Legal
Terms of Service
Last updated: July 8, 2026
1. Who these terms cover
These Terms of Service (“Terms”) govern access to and use of the AR Buddy client portal, public REST API, debtor account pages, and related services (collectively, the “Platform”) operated by Workflow Corporation, doing business as AR Buddy (“AR Buddy,” “we,” “us”). The Platform is offered solely to radio stations and broadcast groups (“Client,” “you”) for the purpose of placing and tracking commercial (business-to-business) advertising accounts receivable for collection. By creating an account, signing in, using an API key, or placing an account, you agree to these Terms on behalf of the business you represent, and you confirm you have authority to bind that business.
The Platform is a business tool offered only to businesses. It is not directed to consumers, and nothing in the Platform is an offer of consumer financial services.
2. Relationship to the Client Service Agreement
Your use of the Platform is in addition to, and governed by, the separate written Client Service Agreement (“CSA”) between you and AR Buddy, which controls the actual collection engagement, fees, trust-account handling, and remittance. If these Terms and the CSA conflict on a collection-engagement matter, the CSA controls. These Terms control matters of Platform access and use.
3. Eligibility and accounts
3.1 You must be authorized to act for the radio station or group on whose behalf you place accounts. 3.2 You are responsible for the confidentiality of your login credentials and API keys, for all activity under them, and for promptly notifying us of any suspected compromise. 3.3 API keys are bearer credentials; treat them like passwords. You may rotate a key at any time, and we may revoke a key we reasonably believe is compromised.
4. Commercial-only use; your representations
By placing any account through the Platform, you represent and warrant, for each account, that:
(a) the receivable is a commercial (B2B) advertising debt owed to your station — not a consumer debt incurred primarily for personal, family, or household purposes;
(b) the amount is valid and currently due, and you hold the underlying contract, invoice, and proof the advertising ran;
(c) you have the authority to place the account for collection and to provide the associated data to us;
(d) the account is not subject to bankruptcy, settlement, dispute, or attorney representation known to you and not disclosed; and
(e) where our fee is added to the amount due (Section 5), your underlying advertising terms with the debtor authorize recovery of collection costs.
You agree to promptly inform us if any of these ceases to be true, including if you learn an account is or may be consumer debt, in which case we may decline or close it.
5. Fees and minimums
Our collection fee is a flat $295 per invoice, as displayed on the Platform. It is added to the amount due and is payable by the debtor, in reliance on your representation at placement that your underlying advertising terms authorize recovery of collection costs. Amounts collected are applied to your invoice principal first; our fee accrues only from amounts collected above the principal and never exceeds the flat fee. You pay no fee on any account, and no amount is ever deducted from collections up to your principal. We accept placements with a minimum account balance of $250. We may update the fee or minimum prospectively for new placements; the figures in effect when you place an account apply to that account. The CSA governs in case of any discrepancy.
6. No guarantee of outcome
Recovery results vary by account and are not guaranteed. Any recovery figures, liquidation rates, or example calculations shown in the Platform or on our marketing materials are illustrative only and are not a promise, prediction, or guarantee of results for your accounts.
7. Trust account and remittance
Funds we collect on your behalf are held in a segregated client-trust account, separate from our operating funds, and are remitted to you on a twice-monthly cycle with a statement reconciling gross collected, our fee, and your net. We do not purchase your debt; you retain title to each receivable and we collect on contingency.
8. Your data responsibilities (debtor information)
When you place an account, you provide us with information about the advertiser/debtor, which may include an individual's name and contact details (the “Account Data”). You represent that you are entitled to disclose the Account Data to us for collection purposes. As between you and us, you are the controller of the Account Data and we act as your service provider/processor, handling it to perform collection on your behalf as described in our Privacy Policy and the CSA's data-processing terms. You agree not to place data you are not permitted to share, and not to use the Platform to place data unrelated to a bona fide collection account.
9. Acceptable use
You will not: (a) place accounts you know to be invalid, fraudulent, or consumer debt; (b) attempt to access another Client's data; (c) probe, scrape, or overload the Platform or API beyond documented use; (d) reverse engineer or interfere with the Platform's security; or (e) use the Platform to harass any person. We may suspend access for a violation that creates legal, security, or reputational risk.
10. Conduct standards; not a law firm
We hold every debtor contact to FDCPA-grade conduct standards voluntarily, even where the law does not require it, because protecting advertiser relationships is central to the service. This is a statement of our operating practice and not an admission that any particular statute applies to a given account. AR Buddy is a receivables management service, not a law firm; nothing we provide — including notices, templates, or statements in the Platform — is legal advice, and no attorney-client relationship is created.
11. Platform ownership and feedback
We own the Platform, including its software, design, documentation, and all related intellectual property. We grant you a limited, non-exclusive, non-transferable right to use the Platform for your internal business purposes while you have an active relationship with us. Your data remains yours. If you send us suggestions or feedback about the Platform, we may use them without restriction or obligation to you.
12. Service availability; no warranty
The Platform is provided “as is” and “as available.” We do not warrant uninterrupted or error-free operation. To the maximum extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Nothing in this section limits the collection obligations set out in the CSA.
13. Limitation of liability
To the maximum extent permitted by law, neither party is liable to the other for indirect, incidental, special, consequential, or punitive damages arising from use of the Platform. Our aggregate liability arising from the Platform (as distinct from the CSA) will not exceed the greater of (a) the total collection fees we earned on your placed accounts in the twelve (12) months preceding the claim, or (b) five hundred dollars ($500). This section does not limit liability that cannot be limited by law, and it does not limit our obligation to remit funds we have collected and hold in trust for you.
14. Indemnification
You will defend and indemnify AR Buddy against third-party claims, and reimburse the resulting losses, penalties, and reasonable legal costs, to the extent the claim arises from (a) a breach of your placement representations in Section 4 — including a claim that an account you placed is consumer debt or is not owed; (b) Account Data you provided in violation of law or of rights of the person it concerns; or (c) your misuse of the Platform. We will notify you promptly of any such claim and reasonably cooperate, at your expense, in its defense.
15. Suspension and termination
You may stop using the Platform at any time. We may suspend or terminate Platform access for non-payment, breach of these Terms or the CSA, or to address a security or legal risk. On termination, handling and return or deletion of Account Data is governed by the CSA and our Privacy Policy; accounts already in trust-settlement finish their remittance cycle normally.
16. Changes and notices
We may update these Terms; material changes will be posted with an updated “Last updated” date and, where appropriate, notified to your account contact. Continued use after an update constitutes acceptance. You consent to receive notices under these Terms electronically — by email to your account contact or by posting in the portal — and such notices satisfy any written-notice requirement.
17. Governing law and disputes
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-laws rules. The parties will first attempt in good faith to resolve any dispute informally; failing that, the parties submit to the exclusive jurisdiction of the state and federal courts located in Cape May County, New Jersey.
18. General
These Terms, the CSA, and the Privacy Policy are the entire agreement about the Platform and supersede prior discussions. If a provision is held unenforceable, the remainder stays in effect. A failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent, except to a successor of your station or group; we may assign to an affiliate or successor. Neither party is liable for delay or failure caused by events beyond its reasonable control.
19. Contact
Workflow Corporation (d/b/a AR Buddy)
3201 Pacific Ave, Unit #3, Wildwood, NJ 08260, USA
legal@workflowcorp.com