Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you” or “Customer”) and WhiteMirror Technologies (“WhiteMirror Technologies”, “we”, “us”) governing your access to and use of Mira, our accounts-receivable automation platform (“the Service”).

By creating an account or using any part of the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Service.

If you are using Mira on behalf of a business, you represent that you have the authority to bind that business to these Terms, and “you” refers to both you and that business.

We may update these Terms from time to time. We will notify you of material changes at least 14 days in advance by email. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

Mira is a business software service that enables you to:

• Build a personalised communication style profile (a “voice constitution”) based on your preferences.
• Upload client and invoice data to track outstanding payments.
• Automatically send follow-up messages to your clients via WhatsApp Business API in a tone that matches your voice.
• Receive and review client replies in a centralised dashboard.
• Approve or decline client requests related to payment terms before Mira responds on your behalf.

The Service is designed for legitimate business use — specifically, chasing overdue invoices from your own clients. It is not a general-purpose messaging tool.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with reasonable notice where possible. We will not be liable for any modification, suspension, or discontinuation of the Service.

To use Mira you must:

• Be at least 18 years old.
• Be using the Service for lawful business purposes.
• Provide accurate and complete registration information.
• Maintain the security of your account credentials.

You are responsible for all activity that occurs under your account, whether or not you authorised it. If you suspect unauthorised access, notify us immediately at security@whitemirror.io.

You may not create multiple accounts to circumvent plan limits, bans, or any other restriction. We reserve the right to merge or close duplicate accounts.

Accounts are personal to the business that creates them. You may not transfer your account to another person or entity without our prior written consent.

You agree to use the Service only for its intended purpose: chasing legitimate, pre-existing invoice debts from clients who have an established business relationship with you.

You must not use Mira to:

• Send messages to individuals who have not had a prior business relationship with you — this is spam and may be illegal.
• Harass, threaten, or intimidate any person.
• Send messages that are false, misleading, or fraudulent.
• Violate any applicable laws, including the UK Consumer Credit Act, the Electronic Communications Act, GDPR, or anti-spam legislation.
• Attempt to collect debts that are statute-barred, disputed without basis, or that you know to be incorrect.
• Impersonate any person or entity other than your own business.
• Reverse engineer, decompile, or extract the source code of the Service.
• Use automated scripts to access the Service other than through our documented API.
• Circumvent rate limits, security measures, or access controls.
• Upload malicious code, files, or data to the platform.

We monitor the platform for abuse. Violations may result in immediate account suspension without refund. We will cooperate with law enforcement in the event of illegal activity.

You retain full ownership of all data you upload to Mira — your client lists, invoice data, and business information. We do not claim any intellectual property rights over your data.

By uploading client data to Mira, you represent and warrant that:

• You have a lawful basis under UK GDPR for processing that client’s personal data (e.g. a legitimate interest in recovering a genuine debt).
• The client data is accurate to the best of your knowledge.
• You have the right to receive payment from each client you upload and are not pursuing a debt you know to be settled or disputed in bad faith.
• You will honour any request from your clients to stop receiving messages and promptly remove them from the platform.

You are the data controller for your client data. We act as your data processor and handle it only as instructed by you through the Service. For full details, see our Privacy Policy.

You grant us a limited, non-exclusive licence to process your data solely for the purpose of providing the Service to you.

Mira operates on a subscription basis. By subscribing to a paid plan, you authorise us to charge the payment method on file on a recurring basis (monthly or annual, as selected) until you cancel.

Plans and pricing

Current pricing is displayed on our pricing page. We reserve the right to change prices with at least 30 days’ notice to existing subscribers. Price changes take effect at the start of your next billing cycle after the notice period.

Free trial

Where a free trial is offered, it is limited to one trial per business. We reserve the right to end or modify free trials at any time.

Cancellation

You may cancel your subscription at any time from your account settings or by emailing billing@whitemirror.io. Cancellation takes effect at the end of your current billing period. You will retain access to the Service until that date. We do not offer prorated refunds for unused time within a billing period.

Refunds

Fees paid are non-refundable except where required by law, or at our sole discretion in the case of a documented service outage exceeding 48 continuous hours that was attributable to us.

Failed payments

If a payment fails, we will attempt to charge the payment method again over the following 7 days. If payment cannot be collected, your account will be downgraded to a read-only state until payment is resolved. Data is retained for 30 days before deletion.

Taxes

Prices shown exclude VAT where applicable. VAT will be added at checkout based on your billing address in accordance with UK and EU tax law.

The Service, including all software, algorithms, designs, text, and trademarks, is the exclusive property of WhiteMirror Technologies and is protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your internal business purposes during the term of your subscription. This licence does not include any right to sublicence, resell, or create derivative works based on the Service.

The name “Mira”, the WhiteMirror Technologies name and logo, and any product names associated with the Service are trademarks of WhiteMirror Technologies. You may not use them without our prior written permission.

Nothing in these Terms transfers ownership of any intellectual property from us to you or from you to us. Feedback or suggestions you provide about the Service may be used by us without obligation to you.

Mira sends messages via the Meta WhatsApp Business API. By using the messaging features of the Service, you agree to comply with:

• Meta’s WhatsApp Business Policy
• Meta’s WhatsApp Commerce Policy
• All applicable laws governing electronic communications in the jurisdictions where your clients are located.

You are responsible for ensuring that your use of WhatsApp messaging through Mira complies with these policies. Violations of Meta’s policies may result in Meta restricting or terminating your WhatsApp Business number, for which we are not liable.

You must promptly honour any opt-out request from a client. If a client asks to stop receiving messages, you must remove them from the platform immediately. Continued messaging after an opt-out is a violation of these Terms and may be illegal.

Mira is designed to send invoice follow-up messages only. Using the platform to send promotional, marketing, or unsolicited messages is prohibited and may result in account termination.

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that:

• The Service will be uninterrupted, error-free, or available at all times.
• Messages generated by Mira will be perfectly suited to every situation.
• Using Mira will result in your clients paying their invoices.
• The Service will be free from viruses or other harmful components.

Mira is a tool to assist you in sending payment reminders. It does not provide legal advice, financial advice, or debt collection services regulated under the Financial Services and Markets Act 2000 or the Consumer Credit Act 1974. If you are pursuing a debt through formal legal channels, you must consult a solicitor.

Messages generated by Mira are drafts based on patterns in your voice constitution. You have the ability to review and override them. You are ultimately responsible for every message sent from your account.

To the maximum extent permitted by applicable law, WhiteMirror TechnologiesWhitemirror’srsquo; total liability to you for any claim arising out of or in connection with these Terms or the Service — whether in contract, tort (including negligence), or otherwise — shall not exceed the total fees paid by you to us in the 12 months preceding the event giving rise to the claim.

We shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages.
• Loss of profit, revenue, business, goodwill, or data.
• Damage caused by your reliance on message content generated by Mira.
• Actions or inactions of Meta, Supabase, Razorpay, or any other third-party provider.
• Loss arising from your failure to comply with WhatsApp Business Policies.
• Damages arising from unauthorised access to your account where you failed to maintain the security of your credentials.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

Termination by you: You may close your account at any time from your account settings. Upon closure, your data is retained for 30 days (to allow for recovery) then permanently deleted, except for data we are legally required to retain.

Termination by us: We may suspend or terminate your account immediately, without notice or refund, if you:

• Breach these Terms or our Acceptable Use Policy.
• Violate Meta’s WhatsApp Business Policies.
• Engage in fraudulent, abusive, or illegal activity.
• Repeatedly fail to pay subscription fees.

We may also terminate the Service entirely upon 30 days’ notice, in which case we will provide a prorated refund for any prepaid period.

Effect of termination: Upon termination, your licence to use the Service ends immediately. You may request an export of your data within 30 days of termination before it is deleted.

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the law of England and Wales.

Both parties agree to submit to the exclusive jurisdiction of the courts of England and Wales for the resolution of any dispute.

Before bringing formal proceedings, we encourage you to contact us at legal@whitemirror.io to attempt to resolve any dispute informally. We commit to responding within 10 business days and making a good-faith effort to reach a resolution.

• Entire agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and WhiteMirror Technologies regarding the Service and supersede all prior agreements.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
• Waiver: Our failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce it in the future.
• Assignment: You may not assign these Terms or any rights under them without our prior written consent. We may assign our rights and obligations under these Terms to a successor entity in the event of a merger, acquisition, or sale of assets.
• Force majeure: We shall not be liable for any failure to perform our obligations where such failure results from causes beyond our reasonable control, including but not limited to internet outages, Meta platform outages, natural disasters, or government action.
• Notices: Legal notices to us should be sent to legal@whitemirror.io. We will send notices to the email address associated with your account.

For any questions about these Terms, contact us at:

• Email: legal@whitemirror.io
• Company: WhiteMirror Technologies
• Registered in: England and Wales