1. Acceptance
These terms govern the use of the concilo.ai site and the Concilo platform, operated by Cibernética, S.A. ("Concilo"), domiciled in Panama City, Republic of Panama. By using the site or contracting the service you accept these terms. The service is aimed at companies; by contracting it you declare that you act on behalf of one and have authority to bind it.
2. The service
Concilo is a software-as-a-service (SaaS) platform that automates accounts-receivable collections, payment reconciliation and financial reporting through artificial-intelligence agents that communicate over WhatsApp, voice calls and email. Current plans, capabilities and limits are those published on the pricing page or agreed by contract.
3. Accounts and acceptable use
- You are responsible for your users' credentials and for the accuracy of the data you load (invoices, balances, contacts).
- You commit to using the service in accordance with the law — including data protection and communications rules — and to having a legal basis to contact your customers through the configured channels.
- You may not use Concilo for harassment, fraudulent collections or misleading communications, nor attempt to breach the platform's security.
4. Automated communications
Collection communications are executed by an AI agent within the policies your company configures (schedules, tone, escalation). Your company is responsible for the content of its policies and for the relationship with its customers; Concilo provides the tool, the records and the supervision controls.
5. Data
The data you load remains yours. Concilo processes it as a data processor, according to the Privacy Policy and the service contract. When the relationship ends you can export your data; we then delete it within the periods described there.
6. Payments
Plans are billed in advance, in United States dollars (USD), monthly or annually. Third-party messaging and voice usage is billed at provider cost. Non-payment may suspend the service after reasonable notice.
7. Intellectual property
The platform, its software, trademarks and content belong to Concilo or its licensors. The contract grants you a non-exclusive, non-transferable license to use the service while it remains in force; you acquire no other rights.
8. Warranties and liability
The service is provided "as is", with commercially reasonable efforts at availability. Concilo does not guarantee specific portfolio recovery results. To the maximum extent permitted by law, Concilo's total liability is limited to the amounts paid for the service in the twelve (12) months before the event giving rise to it, and excludes indirect damages and lost profits.
9. Termination
You can end the service at any time according to your plan. Concilo may suspend or terminate the service for material breach of these terms, with prior notice when reasonable.
10. Governing law and jurisdiction
These terms are governed by the laws of the Republic of Panama. Any dispute will be submitted to the competent courts of Panama City, without prejudice to alternative dispute-resolution mechanisms the parties agree by contract.
11. Changes
We may update these terms; we'll publish the current version with its date. Substantial changes will be notified to active customers with reasonable notice.
Questions: hola@concilo.ai.