Terms of Service
Forbear
1. These terms, and who they bind
These terms govern your use of Forbear, An AI extraction layer that reads creditor correspondence and writes settlement terms into the CRM a firm already operates.. They form a contract between Forbear, of 1010 Wisconsin Ave NW, Suite 620, Washington, DC 20007 (“Forbear”, “we”) and the company that signs up for the service (“Customer”, “you”).
The service is offered to businesses only. It is not offered to consumers, and by signing up you confirm you are acting for purposes within your trade or profession and that you are authorised to bind your company.
The person clicking through these terms is agreeing on behalf of the company, not personally. If you do not have that authority, do not proceed.
Order of precedence. Where documents conflict: (1) a signed order form or agreement between us, (2) the Data Processing Agreement, (3) these terms, (4) our Privacy Policy, (5) anything on our website.
2. What the service is
A connected service. The firm keeps its CRM, its records and its own relationship with its consumers, and Forbear proposes values into that system.
3. What the service is expressly not
These limits are deliberate and are part of what you are buying. They are not defects.
Not a CRM. Forbear holds no consumer record, no pipeline, no inbox and no dashboard of accounts. It cannot be the system of record and is not built to become one.
Not a negotiator. Forbear does not contact creditors, does not make offers and does not accept them. It reads what a creditor sent and proposes what it says.
Not advice. Nothing Forbear produces is legal, financial or compliance advice, and no extraction is a determination that a settlement is suitable for a consumer.
4. Your responsibilities, and how they affect the outcome
What the service delivers depends materially on things only you control. Read this section carefully; sections 9 and 10 follow from it.
Naming the reviewers. The firm names the users who may accept an extraction. An unnamed user cannot write to the CRM through Forbear.
Clearing the queue. Extractions below the confidence floor wait for a person. A queue nobody clears means nothing is written, which is the intended failure.
Mapping the fields. The firm decides which CRM fields Forbear may write to. Forbear will not guess a mapping.
Its own licensing. State licensing, advance-fee rules and consumer disclosures remain the firm's obligations. Forbear takes none of them on.
5. Getting started, and what is free
The historical backfill is free and has no document cap. It runs once, on connection, across whatever correspondence the CRM already holds.
Billing starts when the firm accepts the first extraction into its CRM, not when the connection is made.
6. Fees and what is extra
$1,200 per connected CRM per month. Flat. It does not move with file count, document volume, seats or the number of creditors.
What is not charged. The historical backfill, additional reviewers, additional creditor templates, and any document that fails extraction.
Term. Month to month. Cancellation takes effect at the end of the current month and every value already written stays in the firm's CRM.
7. Delivery, availability and support
Into the firm's system. Accepted extractions are written to the connected CRM through its own API, as the named reviewer, within one minute of acceptance.
Export. The extraction store, including source documents and every accept or correct decision, exports as JSON on request and on cancellation.
7.3 Support. Support is by email at [email protected], with a target first response of one business day. That is a target, not a guarantee.
8. The write record, and why it outlives the contract
Every write is attributable. Each value written carries the source document, the model's proposal, the confidence score, the accepting user and the timestamp.
It survives cancellation. The write record is exportable for seven years after a connection ends. A settlement figure is something a firm may be asked to account for long after it changed vendors.
9. Warranties, and their limits
We warrant that we will provide the service with reasonable skill and care, and that we have the right to provide it.
We give no other warranty. To the fullest extent permitted by law we exclude all implied warranties, including merchantability, fitness for a particular purpose and non-infringement.
Forbear does not warrant that an extraction is correct. It warrants that every extraction is traceable to the document it was read from and to the person who accepted it.
10. Liability
10.1 Neither party limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.
10.2 Excluded losses. Neither party is liable for loss of profit, revenue, anticipated savings, business, goodwill or reputation, or for any indirect or consequential loss, however arising.
10.3 Specifically excluded. Forbear is not liable for a settlement executed on an accepted extraction, for a creditor's conduct, or for any regulatory finding against the firm.
10.4 Cap. Aggregate liability is capped at the fees paid in the twelve months before the claim.
10.5 You acknowledge that the limits in sections 9 and 10 are a reasonable allocation of risk given the price and your responsibilities under section 4, and that we would not offer the service at this price without them.
11. Confidentiality and data
Documents and extractions are the firm's confidential information. Forbear staff access them only to investigate a fault the firm has reported, and each access is logged and shown in the firm's audit export.
Processing of personal data is governed by our Privacy Policy and by the Data Processing Agreement between us, which is incorporated into these terms. Where the DPA and these terms conflict on personal data, the DPA governs.
12. Intellectual property
The firm owns its documents, its records and every value written into its CRM. Forbear owns the extraction engine, the creditor templates and the labeled corpus, which is held detached from any firm or consumer identifier.
You may not use our name or logo publicly, and we may not use yours, without prior written consent.
13. Term and termination
13.1 The contract starts when you sign up and continues until either party ends it.
13.2 By you. Cancel at any time, effective at the end of the current billing month, subject to any minimum term stated in section 6.
13.3 By us. We may terminate on 30 days’ notice, or immediately if you materially breach these terms and do not cure within 14 days of notice, if you become insolvent, or if your use exposes us to legal risk.
13.4 What survives. On termination we stop delivering and stop billing. You keep everything already delivered to you, and your licence to it survives. We delete or return our working copies as set out in the DPA. Sections 9, 10, 11 and 12 survive.
14. Changes to these terms
We may update these terms. Material changes take effect 30 days after we notify you by email, and if you do not accept them you may terminate before they take effect. Continuing to use the service after that date means you accept them.
15. Contact
Forbear, 1010 Wisconsin Ave NW, Suite 620, Washington, DC 20007
[email protected]