This License Agreement and Disclaimers ("Agreement") governs your purchase and use of the 10X Collections Agent ("the Tool"), a Google Sheets and Google Apps Script product operated by 10X Finance. It supplements our general Terms of Use, Privacy Policy, and Disclaimers. Where this Agreement and the general Terms conflict on a matter specific to the Tool, this Agreement controls. By purchasing, copying, deploying, or using the Tool, you agree to it. If you do not agree, do not use the Tool.
On purchase, you receive a limited, personal or single-business, non-exclusive, non-transferable, revocable license to copy and use the Tool for your own debt-collection activities. A single purchase licenses one buyer (an individual or a single business entity). You may deploy the Tool's web app and share its link with members of your own organization/team; you may not share it with the public or with other businesses.
You may not: resell, sublicense, rent, or redistribute the Tool or its "make a copy" link; publish the Tool's source code or templates; use the Tool to build a competing product; remove or alter any notice; or share access with parties outside your own organization. Team/multi-business use requires a separate written license.
The Tool may require a license key issued at purchase (via Gumroad or another processor) and may verify that key with the processor's licensing service. Verification confirms only that a valid, non-refunded purchase exists. Refunds and chargebacks revoke the license, and the key may stop functioning. You agree not to circumvent, disable, or tamper with license verification.
The Tool, its code, design, message templates, the 🐶 Hound persona, and all related assets remain the exclusive property of 10X Finance. No ownership transfers to you. Your account data (your recipient lists, your sent history) is yours.
Debt-collection is regulated. In the United States, the federal Fair Debt Collection Practices Act (FDCPA) primarily governs third-party collectors, and many states impose their own rules that may reach first-party creditors as well. Rules vary by who is collecting, where you and the debtor are located, whether the debt is consumer or commercial, and the content and timing of communications. The Tool's default messages are written for first-party creditors collecting their own commercial debts. You and your legal counsel are solely responsible for determining what law applies to you and for making every message compliant, including any required disclosures, validation notices, or "mini-Miranda" language, which you can add via the Tool's optional Disclosure / Legal Footer field.
The Tool sends commercial and transactional email in volume. You are responsible for compliance with anti-spam laws including, without limitation, the U.S. CAN-SPAM Act, Canada's CASL, and equivalent laws in other jurisdictions — including requirements around accurate sender identification, honest subject lines, a valid physical address where required, and honoring opt-out/unsubscribe requests. You represent that you have a lawful basis to contact each recipient.
You determine what personal information (debtor names, emails, balances) you load into your own Google Sheet, and you are the data controller for that information. Laws such as the CCPA/CPRA, GDPR, and others may apply to you depending on your and your recipients' locations. 10X Finance does not receive, store, process, or have access to your recipient data — it stays in your Google account. See Section 5.
You are responsible for the accuracy of every amount, due date, name, and statement in the emails you send. Dunning stages, aging math, and message wording are drafting aids you review and approve — not verified facts. Sending an incorrect demand, or a demand to the wrong person, is your responsibility, not 10X Finance's.
The Tool sends from your own Gmail / Google Workspace account, using your authorization. Accordingly:
THE TOOL IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. 10X Finance does not guarantee that you will collect any debt, recover any amount, or achieve any particular result. Any figures, examples, or outcomes shown are illustrative only. The Tool depends on third-party platforms (Google Workspace, Gmail, Apps Script, and your payment processor) whose availability, features, and limits can change or fail at any time, outside our control. We do not warrant uninterrupted or error-free operation.
To the fullest extent permitted by law, 10X Finance and its owners will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business, or for any regulatory fine, penalty, claim, or third-party action, arising out of or relating to your use of the Tool — including any email sent, not sent, or sent in error; any collection activity; any legal non-compliance; or any action taken by Google against your account. Our total aggregate liability for any claim arising out of or relating to the Tool will not exceed the amount you paid for the Tool in the twelve (12) months preceding the claim. Some jurisdictions do not allow certain limitations; where that is so, the above applies to the maximum extent permitted.
You agree to indemnify, defend, and hold harmless 10X Finance and its owners from and against any claims, demands, damages, liabilities, penalties, costs, and expenses (including reasonable legal fees) arising from or relating to: (a) your use of the Tool; (b) any email or communication you send; (c) your collection activity; (d) your violation of any law, including debt-collection, anti-spam, or privacy law; (e) your breach of this Agreement; or (f) any action by Google or any third party arising from your use of your own account.
All sales are final. The Tool is a digital product delivered as an immediate, copyable download/link. By purchasing you acknowledge immediate access and waive any right to a refund, except where a non-waivable law requires otherwise. If you cannot access the Tool due to a technical issue, contact Agent@10xfinanceai.com and we will help restore access; resolving an access issue is not a refund. Note that a refund or chargeback may revoke your license key (Section 1.3).
The Tool runs inside your Google account. Your recipient lists, message content, and sent history live in your own Google Sheet and your own Gmail. 10X Finance does not receive, store, or have access to that data. The only data that leaves your Google account through the Tool is a license key and product identifier sent to the payment processor to verify your purchase. Our general Privacy Policy governs any information you provide to us directly (such as a support email).
This Agreement is governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute will be resolved exclusively in the state or federal courts located in California, and you consent to that jurisdiction. If any provision is held unenforceable, the remainder stays in effect.
We may update this Agreement; material changes will be posted here with a revised date. Continued use after changes constitutes acceptance.
Google, Gmail, Google Sheets, Google Workspace, and related marks are trademarks of Google LLC. QuickBooks is a trademark of Intuit Inc. NetSuite is a trademark of Oracle Corporation. All other marks belong to their respective owners. 10X Finance is independent and not affiliated with, endorsed by, or sponsored by any of them.