SteadyChase
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Terms of Service

Last updated November 9, 2026

These terms are an agreement between you and SteadyChase (“SteadyChase”, “we”, “us”). They apply when you create an account or use SteadyChase to follow up on unpaid invoices. If you use SteadyChase for a business, you agree to these terms on behalf of that business and confirm you’re allowed to.

1. What SteadyChase does

SteadyChase connects to your accounting software (QuickBooks Online, QuickBooks Desktop or Xero), reads your unpaid invoices and customers, and, when you turn them on, sends payment reminders to your customers by email and text, adds late fees you have set up, and gives your customers a page to pay you through Stripe. It can also run payment plans, offer early-payment discounts, take automatic payments your customers agree to, and read customer replies for you. Payments, discounts and late fees are recorded back in your accounting software.

2. Your account

  • Give accurate information and keep your password safe. You’re responsible for what happens under your account.
  • You must be at least 18 and able to enter a contract.
  • Tell us straight away at hello@steadychase.com if you think someone has used your account without permission.

3. Reminders sent on your behalf

Reminders are sent in your business’s name, to people you already invoiced, about money they owe you. You are responsible for:

  • having the right to contact the customers in your accounting software about their invoices;
  • the content of any email you edit, and the schedule you choose;
  • following the laws that apply to collecting your own debts where you and your customers are;
  • texting only customers who agreed to receive texts from you. When you record that a customer agreed, you confirm they did. Customers can reply STOP at any time, and we stop texting them;
  • final notices: only say you may pass an account to a collection agency if you really would.

SteadyChase is not a debt collection agency and does not collect debts for you. Don’t use it for debts you have bought or are collecting for someone else. When you hand an invoice to a collection agency, we stop chasing it and give you its details to send to them; we don’t contact the agency or take part in collecting.

4. Late fees and interest

Late fees stay off until you switch them on and confirm that your payment terms allow them and your customers agreed to those terms. Rules on late fees and interest differ between US states and between countries, and some set maximum amounts. You are responsible for making sure the fees you set are allowed and were agreed. SteadyChase doesn’t give legal advice. If you’re unsure, ask a lawyer or accountant before turning fees on.

5. Payments from your customers

Customer payments go to your own Stripe account, not to us. To accept them you must agree to the Stripe Connected Account Agreement, which includes the Stripe Services Agreement. Stripe’s fees, payouts, refunds and disputes are between you and Stripe. We don’t take a share of your payments.

6. Payment plans, automatic payments and discounts

  • Payment plans are agreements between you and your customer. SteadyChase sends the schedule and reminders; it doesn’t change the invoice in your accounting software.
  • Automatic payments happen only after your customer authorises them on their payment page. Their card or bank details are kept by Stripe on your Stripe account, not by us. You must honour that authorisation: charge only what’s owed on or after its due date, and stop when they turn it off. If a charge fails, we tell the customer and pause automatic payments for them. Refunds and disputes are between you, your customer and Stripe.
  • Early-payment discounts you offer apply to invoices dated after you turn them on, and are recorded in your accounting software as a credit. How discounts and late fees are taxed is for you and your accountant to decide.

7. AI and your customers’ replies

If you leave Read customer replies with AI on, text replies and payment-page messages from your customers, with the invoice details they’re about, are sent to our AI provider (Anthropic) to suggest what the customer means and a possible reply. They aren’t used to train AI models. AI can be wrong: a dated promise to pay is logged automatically and pauses reminders until shortly after that date; anything else waits for you, and nothing is sent to a customer without you. You can switch it off in Settings at any time. We limit how much AI is used per business.

8. Sending from your own domain

If you send reminders from your own email address, you confirm you own or control that domain. Until it’s verified, and if verification later fails, reminders are sent from our address in your business’s name.

9. Your accounting data

Your accounting software stays the source of truth. SteadyChase only writes to it to record payments made through SteadyChase, to record early-payment discounts as credits, and to create (and, when you waive them, void) the late-fee invoices you set up. With QuickBooks Desktop, changes are made when Intuit’s Web Connector runs on your computer. We check each invoice again right before sending a reminder or adding a fee, but we can’t promise your accounting data is complete or correct. Please check your books regularly.

10. Plans, billing and cancelling

  • Paid plans are billed in advance, monthly or yearly, through Stripe. Prices are shown on the pricing page.
  • Upgrades take effect straight away and you pay only the difference for the rest of the period. Downgrades take effect at the end of the period.
  • You can cancel any time. Your plan keeps working until the end of the period you paid for, and isn’t renewed.
  • Except where the law says otherwise, payments aren’t refundable for partly used periods. If we charge you by mistake, we’ll refund it.
  • We’ll give you at least 30 days’ notice by email before a price change applies to you.

11. Acceptable use

Don’t use SteadyChase to:

  • send messages that are threatening, harassing, misleading or unrelated to a real invoice;
  • break any law, or anyone else’s rights;
  • interfere with the service, try to get around limits, or access other customers’ data.

We may pause sending or suspend an account that does, and will tell you why unless the law stops us.

12. Our service

We work to keep SteadyChase available and secure, but it is provided “as is”. We don’t promise it will be uninterrupted or error-free, or that any customer will pay you. We rely on services run by others, including Intuit, Xero, Stripe, Twilio, Anthropic and our email and hosting providers, and we’re not responsible for their outages.

13. Liability

To the extent the law allows, SteadyChase isn’t liable for indirect or consequential losses, lost profits or lost data, and our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits rights you have under consumer protection laws that can’t be excluded, including the Australian Consumer Law.

14. Ending the agreement

You can stop using SteadyChase and close your account at any time. Disconnecting your accounting software stops all reminders and fees straight away. We may end these terms with 30 days’ notice, or immediately if you seriously break them. Sections 4, 6, 9, 10 and 12 continue after the agreement ends.

15. Changes and governing law

We may update these terms. If a change matters, we’ll email you at least 14 days before it applies. These terms are governed by the laws of the State of Delaware, USA.

Contact

Questions about these terms: hello@steadychase.com. See also our Privacy Policy.