Terms of use

1. Who provides the service

Cobrix is operated by Christopher Familia ("we"). You can write to us at psacchristopherfamilia@gmail.com.

Cobrix is a software tool. It does not lend money, broker loans, collect or receive payments on anyone's behalf, or give legal, financial or accounting advice.

2. Accounts and users

Each lending company ("the company") requests its account and we approve it manually. The company's administrator creates its users (owner, administrator, collector or viewer) and is responsible for what they do in the account.

Each user must keep their password secret and tell us if they believe someone else accessed their account. We may suspend access if we detect misuse.

3. Trial and monthly fee

The first company gets a free one-month trial. After that a monthly fee is paid, according to the agreed plan, manually.

If the monthly fee is not paid on time, the account becomes read-only and is then blocked, without deleting data. It is reactivated once payment is up to date. Fees already paid are not refunded.

4. The company's responsibilities

The company is solely responsible for its lending business: the rates, late fees and conditions it agrees to; complying with the laws that apply to it (including usury, consumer protection, anti-money-laundering and collection practices); and the contracts it signs with its clients.

The company is responsible for its clients' data that it records in Cobrix. It must have the right to use it, inform its clients and obtain their consent where the law requires, including consent to receive WhatsApp messages.

The service may not be used to harass, threaten or shame debtors, to send unsolicited messages, or for anything illegal.

5. Contracts and template texts

The contract template and other texts provided by Cobrix are a general starting point. They are not legal advice and do not guarantee that a contract is valid or enforceable. The company must review them with its lawyer and adapt them before use.

Installment, interest and late-fee calculations follow the conditions the company records. The company must check them; Cobrix is not responsible for incorrectly recorded conditions.

6. WhatsApp

Automatic reminders are sent from the company's own WhatsApp number through Meta's official API. The company must comply with WhatsApp Business policies and pays Meta whatever it charges for messages. If Meta rejects or blocks the messages or the account, we are not responsible.

7. Availability and backups

We make reasonable efforts to keep the service running and to back up data, but there may be interruptions due to maintenance, provider failures or causes beyond our control. We recommend exporting reports regularly.

8. Limitation of liability

Cobrix is provided "as is". To the extent permitted by law, we are not liable for indirect losses, lost profits, uncollected loans or decisions made with the information in the service. Our total liability will not exceed what the company paid in the three (3) months before the event.

9. End of service

The company may stop using the service at any time and ask us to delete its account. Before that it can export its reports to Excel or PDF. We may also end the service for non-payment or breach of these terms.

10. Changes

We may update these terms. We will publish the new version with its date and, if the change is significant, notify the administrator. Continuing to use the service means accepting the new version.

11. Governing law

If the company is in the Dominican Republic, these terms are governed by Dominican law and any dispute will be resolved before its courts. If it is in the Turks and Caicos Islands, by the laws and courts of the Turks and Caicos Islands. Before going to court, the parties will try to resolve it in good faith in writing.