Terms of service

These terms apply every time you use Nudger — the website at nudger.com.au, the app at /app, and the reminder service behind them. If you don't accept them, don't create a workspace.

1. Who you are agreeing with

Nudger is operated by {{LEGAL_ENTITY}} (ABN {{ABN}}), of {{POSTAL_ADDRESS}}. In these terms, "Nudger", "we" and "us" mean that entity. "You" means the person who created the workspace and the business that person creates it for — if you sign up on behalf of a business, you're confirming you're allowed to bind it.

You can reach us at hello@nudger.com.au. That is the only contact address we operate.

2. What Nudger does

Nudger is a reminder service for invoices you have already issued. In short: it watches invoices that reach it from a connected source, and once one goes past due it works through a sequence of reminders on a schedule you set. The sequence stops when the invoice is marked paid.

The parts worth naming, because they define the boundary of the service:

1. Invoices arrive from a provider you connect, or from an email you forward in. Nudger has no screen for typing an invoice in by hand — it reflects records that already exist somewhere else.
2. Reminders leave through your own mail server, or as a signed JSON payload posted to a URL you nominate. We do not run a mail server, and there is no shared Nudger sending domain.
3. Each step of a sequence can fire only once per invoice. That is enforced in the database, not by hopeful code.
4. Which integrations and features are switched on changes over time. The website says plainly which are live and which are built but not running; those statements are the current position, not a promise about the future.

3. What Nudger is not

This section is not throat-clearing. Each line rules something out.

1. Not a debt collection agency. We do not collect debts, act as your agent in recovering them, take assignment of them, or contact anyone on our own authority. We schedule and deliver messages you wrote.
2. Not a credit reporting body. Nudger holds no shared or network credit information, contributes nothing to any credit file, and never lets one workspace see another's history. The scores described in section 12 are your own private read on your own customers.
3. Not legal, financial, tax or accounting advice. Nothing the product generates — reminder copy, recovery documents, interest workings, guidance text — is advice. If a debt matters enough to act on, talk to your accountant or a solicitor.
4. Not a payment processor. Nudger never takes a payment from your customer and never holds your money.
5. Not your system of record. Your accounting system is the truth about what is owed. Nudger reflects it.

4. Your account

Signing up creates a workspace. Your login is your email address and a password of at least twelve characters. A machine API key is generated at sign-up and shown to you exactly once — we store only a hash of it and cannot show it to you again.

Keep your password, your API key and your session to yourself. Anything done through your workspace is treated as done by you. Signing out ends that browser session; if you think a credential has been exposed, email hello@nudger.com.au and change your password.

Nudger is deliberately small. There are no user roles, no single sign-on, and no audit log. If your business needs those controls, it isn't the right tool yet.

5. Your responsibility for the reminders sent in your name

This is the most important section in these terms. Nudger sends messages on your behalf to people who have no relationship with us — your customers, their accounts staff, whoever you pointed it at. Those people never agreed to anything with Nudger and cannot log in to see what is held about them. Everything below follows from that.

The debt has to be real

You warrant that every invoice you put into Nudger records a genuine debt, actually payable by the person you are chasing, in the amount and on the terms shown. You must not use Nudger to chase an amount that is disputed, that has already been paid, that you know to be wrong, or that you are not entitled to claim.

The contact details have to be right

You warrant that the email address on each invoice belongs to the person or business responsible for paying it, and that it is current. Nudger sends to whatever address it is given. It cannot tell that an address has been mistyped, reassigned or picked up by the wrong person, and a reminder about somebody else's debt landing in a stranger's inbox is a problem you have caused, not a fault in the service.

You need a lawful basis to contact them

You warrant that you are permitted to contact each recipient about the debt, and that doing so complies with the laws that apply to you — including, where relevant, the Privacy Act 1988 (Cth) and the Spam Act 2003 (Cth). Nudger does not assess any of this for you, does not maintain a suppression list, and does not check whether a recipient has asked you to stop. If someone tells you to stop contacting them, it is your job to pause that invoice or that client in the product.

The words are yours

Four graded reminders ship as a default. They are a starting point, not our text. You can rewrite every subject line and every body, and the moment you set a sequence running you are adopting whatever it will say — defaults included. Merge fields insert data you supplied. If a reminder is rude, wrong, or firmer than the situation warranted, that is the sequence you configured.

There is no approval step, by design

Once an invoice is past due, reminders send automatically. There is no per-send review queue and no screen where you approve each message before it leaves — removing that step is the entire point of the product. Your controls are all upstream: the timing, the wording, a minimum amount below which nothing is chased, and two independent pause switches (one invoice, or one whole client). Set them before anything is overdue. Using the service means accepting that messages go out without you looking at them first.

Keep the invoice status current

Nudger stops chasing an invoice when it is marked paid. If a payment arrives somewhere Nudger cannot see it — a bank transfer you haven't reconciled, for instance — the next reminder in the ladder will still go out. Mark it paid, or pause it. We are not responsible for a reminder sent about a debt that was in fact settled.

Complaints come to you

Reminders are sent from your address and replies land in your inbox. If a recipient complains, disputes the debt, asks who you are, asks what you hold about them, or asks you to delete it, that request is yours to answer. They have no account with us and no way to reach their own data through the product. If a request reaches us, we will pass it to you rather than act on it ourselves.

6. Acceptable use

You must not use Nudger to do any of the following. Any one of them is grounds for immediate suspension.

1. Harass, intimidate, threaten or abuse anyone, or send reminders at a frequency or in a tone intended to pressure rather than inform.
2. Chase a debt that is disputed, is not genuinely owed to you, has already been paid, or that you have no right to pursue.
3. Contact a person unlawfully — including where they have withdrawn consent, where you have no lawful basis, or where you obtained their details for some other purpose.
4. Threaten legal action, credit consequences or recovery steps you do not intend to take or are not entitled to take.
5. Imply that Nudger is a debt collector, a credit reporting body, a law firm or a government body, or that a reminder carries any authority beyond your own.
6. Upload contact lists you did not collect yourself, or use the reminder ladder for marketing, newsletters or any message that is not about a specific overdue invoice.
7. Attempt to reach another workspace's data, probe or defeat the isolation between workspaces, evade rate limits, or point an outbound webhook at a system you do not control.
8. Forward mail into the scanning address that you are not entitled to forward.

If we believe a workspace is being used this way we may suspend it immediately, with or without notice, and tell you afterwards.

7. Sending, and what we don't promise

Nudger schedules and hands off messages. It does not guarantee they arrive.

Delivery depends on your mail server, your sending reputation, your recipient's mail provider and their spam filtering — none of which we control. Once a message is handed to your mail server, or posted to your webhook endpoint, what happens next is out of our hands. Failed deliveries are retried with backoff for a while and then stop.

Timing is scheduled, not instantaneous. Reminders are picked up by background loops that run on an interval, so a reminder due on a given day may go out a little after the moment you would calculate by hand. We do not promise a specific send time, and we do not offer an uptime commitment.

8. Connected services

When you connect a payment or accounting provider, you authorise Nudger to read invoice and contact data from it on your behalf, and you confirm you are entitled to give that authorisation. Those providers have their own terms and their own privacy policies, and your relationship with them is yours.

Nudger reproduces what a provider gives it. If a provider is unavailable, returns something wrong, or changes what it sends, reminders may be delayed, missing or based on stale figures. We are not responsible for a provider's accuracy or availability. You can disconnect at any time; disconnecting stops future reads and does not by itself delete what has already been imported.

9. AI-drafted copy

Some parts of the product use a large language model to draft reminder copy in your saved brand voice, and to read details out of an email you forward in. Where that happens, the relevant content — invoice details, the recipient's email address, your brand-voice notes, the forwarded message and its attachments — is sent to our AI provider for processing. The privacy policy sets out who that provider is and what they receive.

Model output is a draft. It can be wrong, it can misread a document, and it can invent a detail that looks plausible. You are responsible for what you send. Treat anything the model produces as a starting point to check, not as a finished message or a reliable extraction.

10. Forwarding email to Nudger

Nudger can give your workspace a unique address you may forward invoices or remittance advice to. It is off until you turn it on: nothing is scanned until you have ticked the scanning terms, and withdrawing that consent stops any further scanning.

Two things to be clear about. First, Nudger never reads your mailbox — it only ever sees mail you deliberately send to that address. Second, anyone who learns the address can post mail into your review queue, so treat it as a secret. Only forward mail you are entitled to forward, and remember that a forwarded invoice usually carries somebody else's personal and banking details.

Withdrawing consent stops future scanning. It does not delete what has already been stored — see section 14.

11. The Recovery toolkit is built for the United States

The product includes a recovery toolkit that produces demand letters, final notices, interest and late-fee workings and small-claims guidance. It is built entirely around United States jurisdictions: US state small-claims limits, US interest conventions and US construction lien deadlines.

It is not suitable for recovering a debt in Australia. Nothing it produces reflects Australian law, and sending one of its documents to an Australian debtor could be wrong on the law and unhelpful to you. It is general information and document drafts only — not legal advice — and the toolkit says so in its own disclaimer. For genuine recovery in Australia, speak to your accountant or a solicitor.

If you use those documents anyway, you do so entirely at your own risk and you are responsible for whatever follows.

12. Payment reputation scores

Nudger can show you a rating for each of your customers, worked out only from your own invoice and reminder history inside your own workspace. It is calculated when you look at it, it is not stored, and it never crosses a workspace boundary. There is no shared, network or cross-customer data behind it.

This is your private view of your own customers. It is not a credit report, not a credit check, and not credit eligibility information. Do not present it to anyone as if it were, and do not share it as a reference about a third party.

13. Plans, price and billing

Being straight with you: you cannot buy anything from Nudger today. Sign-up puts every workspace on the Free plan. Checkout is not configured on the server and returns an error if you try it. We collect no card details, take no payment, and there is nothing to cancel.

The one limit currently enforced is the number of connected client accounts — one on Free. Everything else the product does is available to you. If one connected account isn't enough, email hello@nudger.com.au and we'll work it out with you directly rather than pointing you at a checkout that doesn't finish.

The Starter and Pro figures shown on the website are the structure we're building towards, not an offer and not a quote. The currency, GST treatment and billing cycle are not settled.

If and when billing is switched on, this is how it will work:

1. Nothing converts automatically. No existing workspace moves off Free without you actively choosing a paid plan.
2. The price, the currency, the GST treatment and the billing cycle will be published before anyone is charged, and these terms will be updated to match.
3. Payment would be taken by our payment provider on its own hosted checkout. Card details would never reach Nudger's servers; we would store only an identifier linking your workspace to that subscription.
4. Fees, once charged for a period, would not be refundable except where the law requires it — including under the Australian Consumer Law (section 17).

14. Your data

Your invoices, your templates, your company details and your customers' details stay yours. You give us the permission we need to store and process them for one purpose: running the service for you. We do not sell them and we do not use one workspace's data to serve another.

What we hold, who processes it and where it is stored is set out in the privacy policy, which forms part of these terms.

Two honest facts about deletion, because the product does not yet do what you would expect:

1. There is no self-service delete and no self-service export. Nothing in the app removes an invoice, a reminder, a forwarded email or a workspace.
2. Nothing is deleted automatically. There is no retention timer and no purge job — records stay until someone removes them. Data is kept until you ask us to delete it, and honouring that request is a manual operation we perform ourselves.

To request deletion or a copy of your data, email hello@nudger.com.au. We may need to keep some records where the law requires it.

15. Availability and change

Nudger runs as a single small deployment. We do not offer a service level agreement, an uptime guarantee or a support response time. Maintenance, deployments and faults will interrupt it from time to time.

We may add, change, withdraw or switch off features. Some things described on the website as built but not yet running may never be switched on. If we withdraw something you depend on, we will tell you where we reasonably can.

16. Suspension and closing down

You can stop using Nudger whenever you like. Signing out ends your session but does not close your workspace or delete anything — to close a workspace, email hello@nudger.com.au.

We may suspend or close a workspace if you breach these terms, if we reasonably believe it is being used in a way that could harm a recipient or expose us to legal risk, or if we shut the service down. Where the circumstances allow it, we will give you reasonable notice first. Where they don't — an acceptable-use problem in progress, for instance — we may act immediately and explain afterwards.

When a workspace closes, scheduled reminders stop going out. What happens to the data is covered by section 14: it is not deleted automatically, and you should ask us to delete it if that is what you want.

17. Your rights under the Australian Consumer Law

Our services come with guarantees that cannot be excluded under the Australian Consumer Law.

Nothing in these terms excludes, restricts or modifies any guarantee, condition, warranty, right or remedy that the Competition and Consumer Act 2010 (Cth) or any other law applies and that cannot lawfully be excluded, restricted or modified.

Where the law permits us to limit our liability for failing to comply with a consumer guarantee, our liability is limited, at our option, to supplying the services again or paying the cost of having them supplied again.

Every other clause in these terms is read subject to this section. If a clause would otherwise breach the Australian Consumer Law, it does not apply to the extent of that inconsistency, and the rest of the terms carry on.

18. Limitation of liability

This section is subject to section 17 and does not touch any right you have that cannot be excluded.

To the extent the law allows, we are not liable for indirect or consequential loss, loss of profit, loss of revenue, loss of business or goodwill, loss of data, an invoice you did not recover, or damage to your relationship with a customer — however it arises, and even if we were told it might.

To the extent the law allows, our total liability for all claims connected with the service is limited to the total amount you have paid us for it in the twelve months before the claim arose. Since paid plans are not on sale, for everyone using Nudger today that amount is nil. That is a real limit, and you should weigh it honestly before relying on the service for anything that matters to your business.

We are not liable for the content of a reminder you configured, for a message sent to a wrong or out-of-date address you supplied, for a debt that turns out not to be owed, or for the acts of a provider, mail server or endpoint you connected.

19. Indemnity

You indemnify {{LEGAL_ENTITY}} against any claim, loss, liability or cost we suffer arising from reminders sent from your workspace, the content and data you put into the service, your breach of these terms, or your breach of a law that applies to contacting your customers.

This does not apply to the extent our own breach, negligence or wrongdoing caused the loss, and nothing in this section requires you to indemnify us for anything the Australian Consumer Law says you cannot.

20. Changes to these terms

We may change these terms as the product changes. The current version always sits at this address, with the date it was last updated at the top.

If a change materially affects you — a new charge, a new restriction, a significant change to how your data is handled — we will email the address your workspace signed up with before it takes effect. Continuing to use Nudger after a change takes effect means you accept it. If you don't, stop using the service and ask us to close your workspace.

21. Governing law

These terms are governed by the laws of {{JURISDICTION}}, Australia. You and we submit to the non-exclusive jurisdiction of the courts of {{JURISDICTION}} and any courts able to hear appeals from them.

22. General

1. These terms, together with the privacy policy, are the whole agreement between you and us about the service, and replace anything said or written earlier.
2. If any part of these terms is unenforceable, that part is severed and the rest continues to apply.
3. If we don't enforce something straight away, we haven't given up the right to enforce it later.
4. You may not transfer your rights under these terms without our written consent. We may transfer ours if the business is sold or restructured, and will tell you if that happens.
5. Notices to us go to hello@nudger.com.au. Notices to you go to the email address your workspace signed up with, so keep it current.
6. Neither of us is liable for a failure caused by something genuinely outside our control.

23. Contact

Questions about these terms, a complaint, a data request, or anything else:

{{LEGAL_ENTITY}}
ABN {{ABN}}
{{POSTAL_ADDRESS}}
hello@nudger.com.au

Last updated 7 August 2026. This document is a draft pending legal review, and the tokens in double braces are placeholders a human still has to fill in.