Pankow is a micro-dunning service for small firms. It connects to a firm's QuickBooks Online or Xero account, reads invoices that are already overdue, and sends payment reminders to the firm's debtors in the firm's voice, by email, until the invoice is marked paid. The firm controls which invoices are chased and can stop reminders at any time.
Pankow does not guarantee payment. It sends reminders; it does not collect money, does not process payments, and does not move funds between any parties. Whether a debtor pays is entirely up to the debtor. Pankow is not a debt collection agency and does not act as one.
You are responsible for the accuracy of the invoices and debtor contact details in your accounting system, for having a lawful basis to contact your debtors about overdue invoices, and for complying with the laws that apply to your communications with debtors in your jurisdiction. You must not use Pankow to harass, threaten or mislead anyone.
Pankow is billed monthly by subscription. The current plans are Starter $19 per month, Growth $39 per month, and Accountant $99 per month. You can cancel at any time; cancellation takes effect at the end of the current billing period. If Pankow is shut down, you will receive a pro-rata refund of any unused prepaid term within 30 days of the shutdown notice.
We aim to keep Pankow available, but we do not guarantee uninterrupted service. We may change, improve or discontinue features, and we may change pricing with notice. We will give reasonable notice of any material change.
Pankow is provided as is. To the fullest extent permitted by law, Markera OÜ is not liable for any loss arising from a debtor not paying, from the content of a reminder, or from any interruption to the service. Our total liability for any claim is limited to the fees you paid in the 12 months before the claim.
You may stop using Pankow at any time by disconnecting your accounting system and cancelling your subscription. We may suspend or terminate an account that breaches these terms, misuses the service, or uses it unlawfully.
These terms are governed by the laws of Estonia. Any dispute will be settled in the courts of Tallinn, Estonia.
Markera OÜ, Sepapaja tn 6, 15551 Tallinn, Estonia. Email: support@pankow.ai.