Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the ROWAN platform and the rowanplatform.com website (together, the “Services”), provided by Recovery Columbus Inc. (“ROWAN,” “we,” “us”). By accessing or using the Services, you agree to these Terms. If you are agreeing on behalf of an agency or company, you represent that you are authorized to bind it.

1. The Services

ROWAN is software for running a recovery agency's operations, including assignments, field work, storage, remarketing, billing, accounting, and related tools. We may add, change, or remove features over time. We provide the Services as a tool; you are responsible for how your agency uses them and for your own business decisions, recoveries, and compliance.

2. Accounts and access

You must provide accurate account information and keep your credentials secure. You are responsible for activity under your accounts and for the users your agency authorizes. You agree to use the permission and role controls in ROWAN to grant access only to people who need it. Notify us promptly of any unauthorized use.

3. Your data and content

You retain all rights to the data and content your agency puts into ROWAN. You grant us the limited rights needed to host, process, and display that data to operate the Services for you, to provide support, and to maintain backups and audit records. You are responsible for having the rights and a lawful, permissible purpose to process the information you enter, including personal information about debtors and third parties, and for your compliance with applicable laws such as the FDCPA, FCRA, GLBA, and state licensing and repossession rules.

4. Acceptable use

You agree not to:

• use the Services for any unlawful purpose or in violation of any third party's rights;
• access data belonging to another agency, or attempt to bypass security or permission controls;
• interfere with or disrupt the integrity or performance of the Services;
• reverse engineer, resell, or copy the Services except as expressly permitted; or
• upload malicious code or use the Services to harass or harm others.

5. Fees and subscriptions

Paid features are provided under the plan and pricing you select or the subscription agreement you sign. Fees are billed in advance and are non-refundable except as required by law or expressly stated in your agreement. We may change pricing prospectively with reasonable notice. Early-access or beta pricing, where offered, applies on the terms communicated to you at sign-up.

6. Third-party systems

The Services may connect to systems you choose to use, such as your existing case-management system, accounting software, email, or payment processors. Your use of those systems is governed by your agreements with their providers. We are not responsible for third-party systems or for data you direct us to exchange with them.

7. Disclaimers

The Services are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. ROWAN supports your bookkeeping and operations but is not a substitute for professional legal, tax, accounting, or compliance advice. You are responsible for verifying outputs before relying on them.

8. Limitation of liability

To the fullest extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenues. Our total liability arising out of or relating to the Services will not exceed the amounts you paid us for the Services in the twelve months before the event giving rise to the claim. These limits do not apply to a party's liability for its own gross negligence, willful misconduct, or breach of confidentiality obligations where prohibited by law.

9. Suspension and termination

You may stop using the Services at any time. We may suspend or terminate access if you materially breach these Terms, fail to pay, or use the Services in a way that risks harm to others or to the Services. On termination, your right to use the Services ends. We will make your data available for export for a reasonable period as described in your agreement, after which we may delete it consistent with our Privacy Policy.

10. Changes to these Terms

We may update these Terms as the Services evolve or as the law requires. We will post the updated version here and revise the effective date above. Material changes will be communicated through the Services or by email, and your continued use after they take effect constitutes acceptance.

11. Contact

Questions about these Terms? Reach us through our contact page.