Terms of Service

HL Hunt provides a software platform that uses artificial intelligence to conduct debt collection outreach, hold conversations with debtors, negotiate and administer payment arrangements, process payments, and apply compliance rules on behalf of clients. HL Hunt may act as a third-party debt collector, as a service provider to a first-party creditor, or as a software vendor, depending on the configuration you select and the jurisdiction. The role we take for each engagement is documented in your account.

We may update the platform, add or remove features, and change compliance rule sets at any time. Material changes that affect your use will be announced in the changelog and by email to account administrators.

You must be a business, organization, or licensed professional with a lawful right to collect the debts you place. You represent that each account placed is a valid, owed obligation; that you have the documentation to substantiate it; that it is not subject to a bankruptcy stay, cease request, or legal prohibition you have not disclosed; and that you have provided accurate information about the debtor and the debt.

You are responsible for the security of your credentials, API keys, and user accounts, and for all activity under them. Notify us immediately at security@hlhunt.org of any unauthorized access.

• Provide complete and accurate account data, including itemization dates, balances, and consent records where applicable.
• Maintain any licenses, registrations, and bonds required for your own collection activity in your jurisdictions.
• Promptly inform HL Hunt of disputes, payments received directly, bankruptcies, deaths, attorney representation, and cease requests received outside the platform.
• Configure tone guidelines, settlement authority, and policies consistent with applicable law and your own obligations.
• Use the platform only for lawful collection of legitimate debts and not for harassment, deception, or any purpose prohibited by the Acceptable Use Policy.

HL Hunt will operate the platform with commercially reasonable care; maintain compliance rule sets reflecting the FDCPA, Regulation F, the TCPA, the FCRA, and state laws as they apply to platform-generated communications; maintain the security program described on our Security page; and provide the documentation and audit trails described in the product. Where HL Hunt acts as a licensed collector, it will maintain the licenses and bonds applicable to that role.

The platform enforces rules that can be expressed as checks on communications and actions. It does not replace your overall compliance program, your legal counsel, or your judgment about which debts to pursue.

Fees are published at hlhunt.org/pricing. Subscription fees are billed monthly in advance. Commission is calculated on amounts recovered through or attributable to platform activity during the engagement, including payments made directly to you by a debtor the platform has contacted, and is billed monthly in arrears. Usage beyond plan limits is billed at published overage rates. Letters, skip tracing, and certain payment processing costs are passed through at published rates.

You may change plans or cancel at any time. Accounts in active payment plans at cancellation remain subject to commission on payments collected under those plans unless you recall them.

Payments collected from debtors are processed by our payment partners and remitted to you on the schedule shown in your dashboard, net of commission and fees unless you elect gross remittance with separate invoicing. HL Hunt does not hold client funds beyond settlement periods required by processors. Refunds, chargebacks, and returned items are debited from subsequent remittances.

Debtor data you provide and data generated by platform activity is your confidential information. HL Hunt uses it solely to provide the service, improve platform performance in aggregate and de-identified form, and comply with law. We will not sell debtor data. Our data practices are described in the Privacy Policy and our subprocessors are listed at hlhunt.org/legal/subprocessors. Where HIPAA applies, we will execute a Business Associate Agreement before you place accounts containing protected health information.

Each party is responsible for compliance with laws applicable to its own role. HL Hunt is responsible for the lawfulness of communications generated and sent by the platform within the configuration you select. You are responsible for the validity of the debts, the accuracy of the data, the lawfulness of your own communications outside the platform, and any instruction you give that overrides a platform default. If you instruct the platform to act in a way the compliance engine flags as prohibited, the platform will refuse; if you circumvent that refusal, you assume the resulting liability.

HL Hunt owns the platform, its models, rule sets, documentation, and all improvements. You receive a limited, non-exclusive, non-transferable license to use them during your subscription. You own your data and the content you provide. You grant HL Hunt a license to use your data to provide the service.

HL Hunt warrants that the platform will perform materially as described in the documentation. Except as expressly stated, the platform is provided as is. HL Hunt does not warrant any particular recovery rate, does not provide legal advice, and does not guarantee that use of the platform will make you compliant with laws applicable to your overall operations.

To the extent permitted by law, neither party is liable for indirect, incidental, consequential, or punitive damages. Each party's total liability under these terms is limited to the fees paid or payable by you in the twelve months preceding the claim, except for breaches of confidentiality, indemnification obligations, and liability that cannot be limited by law. HL Hunt will indemnify you for third-party claims arising from communications generated and sent by the platform in violation of applicable collection law, provided you did not override the platform's defaults or provide inaccurate data that caused the violation.

These terms apply while you have an account. HL Hunt may suspend accounts that present compliance, security, or payment risk, with notice where practicable. Either party may terminate for convenience with 30 days notice or immediately for material breach. On termination, you may export your data for 90 days, after which it is deleted per our retention schedule, subject to legal holds.

These terms are governed by the laws of the State of Delaware without regard to conflicts principles. Disputes will be resolved by binding arbitration in Wilmington, Delaware, except that either party may seek injunctive relief in court. Enterprise agreements may specify different terms, which control.

Questions about these terms: legal@hlhunt.org. HL Hunt, Inc.