Terms of Use

Last Updated: 20/05/2026

These Terms of Use (“Terms”) govern access to and use of the Nova Collect LLC website, client portals, and related online services (collectively, the “Services”).

1. Parties

These Terms of Use are entered into by and between you and Nova Collect LLC (“Nova Collect,” “Company,” “we,” “us,” or “our”). All references to “this website,” “this site,” or “our site” refer to the website owned or operated by Nova Collect LLC.

By accessing or using this website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with these Terms of Use, you should not use this website.

2. Use of Website and Restrictions

Subject to these Terms of Use and our Privacy Policy, you may use the public areas of this website only for lawful, personal, informational, or internal business purposes.

You agree not to:

Access or attempt to access this website by any means other than through the interface we provide;
Use automated means, including scripts, bots, crawlers, or scraping tools, to access the website unless expressly authorized by us in writing;
Violate or attempt to violate the security of this website;
Resell, sublicense, transfer, assign, distribute, copy, or commercially exploit the website, its services, or its content;
Modify, adapt, translate, reverse engineer, or create derivative works based on the website or its content;
Frame, mirror, or display any portion of this website on another website or server without our prior written consent;
Use the website in any way that is unlawful, harmful, misleading, abusive, or disruptive; or
Use this website to submit false, inaccurate, misleading, or unauthorized information.

All rights not expressly granted in these Terms of Use are reserved by Nova Collect LLC and its licensors.

3. Modification of Terms

We reserve the right to modify these Terms of Use at any time by posting updated Terms of Use on this website. The updated Terms of Use will be effective as of the date posted unless otherwise stated.

Your continued use of this website after updated Terms of Use are posted constitutes your acceptance of the modified Terms of Use.

You should review this page periodically for updates.

4. Monitoring and Website Activity

We reserve the right, but not the obligation, to monitor, record, or log access to and use of this website for security, compliance, operational, legal, and business purposes.

Any collection or use of information through this website is governed by our Privacy Policy.

5. Separate Agreements

Certain services, portals, payment arrangements, client services, account-resolution options, or other offerings may be governed by separate written agreements, disclosures, authorizations, portal terms, payment terms, or service agreements.

If there is a conflict between these Terms of Use and a separate written agreement signed or accepted by you and Nova Collect LLC, the separate agreement will control with respect to the specific subject matter covered by that agreement.

6. Ownership and Intellectual Property

The content, design, text, graphics, logos, icons, images, software, service names, documents, forms, and other materials available on this website are protected by copyright, trademark, trade dress, and other intellectual property laws.

Unless otherwise stated, the website content is owned by Nova Collect LLC or its licensors. You may not copy, reproduce, modify, distribute, display, publish, transmit, sell, license, or otherwise exploit any website content without our prior written consent.

All trademarks, service marks, trade names, trade dress, product names, and logos appearing on this website are the property of their respective owners.

7. Informational Purpose Only

The information on this website is provided for general informational purposes only. It is not intended to constitute legal, financial, tax, accounting, compliance, or professional advice.

You should not act or rely on information from this website without consulting appropriate professional advisors regarding your specific circumstances.

Use of this website does not create an attorney-client, accountant-client, fiduciary, agency, or professional advisory relationship between you and Nova Collect LLC.

8. Debt Collection and Account Servicing Disclosures

Nova Collect LLC may provide receivables management, account servicing, early-out, pre-collection, and third-party debt collection services, depending on the nature of the account, the applicable agreement, and applicable law.

Where Nova Collect LLC is acting as a debt collector, the following disclosure applies:

Nova Collect LLC is a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

Not all communications, services, or website interactions necessarily constitute debt collection activity. Certain services may involve provider-authorized account servicing, early-out, or pre-collection activity, depending on the account status, client relationship, and applicable law.

Nothing on this website is intended to waive, limit, or modify any rights you may have under applicable federal or state law, including the Fair Debt Collection Practices Act, Regulation F, the Fair Credit Reporting Act, applicable state consumer protection laws, or other applicable laws.

9. Account Information and Consumer Communications

If you use this website, a payment portal, contact form, communication tool, or account-resolution feature, you agree to provide accurate and current information.

You should not submit information about another person unless you are legally authorized to do so.

Any payment, settlement, account-resolution option, communication preference, or electronic authorization may be subject to additional disclosures, verification, consent requirements, or separate terms.

If you provide express consent to receive electronic communications, including text messages/SMS or MMS through our website, user portal, online form, or other opt-in process, you authorize Nova Collect LLC to send account-related communications to the phone number or electronic contact information you provide. Messages will relate solely to account servicing, account resolution, payment reminders, account updates, or other legally permitted communications. Message frequency may vary by account. Message and data rates may apply. You may opt out of text communications at any time by replying STOP to any text message from Nova Collect LLC. At no time will Nova Collect LLC sell, share, rent, or transfer your text-message opt-in consent or consent data to any third party for marketing or promotional purposes.

10. No Legal Advice

This website may contain general information about receivables, account servicing, debt collection, consumer rights, payment options, or regulatory topics. Such information is provided for general informational purposes only and should not be interpreted as legal advice.

Nova Collect LLC does not provide legal advice to consumers, patients, providers, creditors, or website users through this website.

If you need advice regarding your legal rights, obligations, debts, disputes, payment responsibilities, credit reporting, or any legal matter, you should consult a qualified attorney or other appropriate professional.

11. Accuracy of Information

We make reasonable efforts to keep information on this website current and accurate. However, we do not guarantee that all information is complete, accurate, timely, or free from errors.

Information may change without notice. Updates may not be immediately reflected on this website.

We reserve the right to correct errors, update content, modify service descriptions, or remove information at any time without prior notice.

12. Testimonials, Examples, and Results

Any testimonials, examples, case studies, performance statements, or success stories displayed on this website are provided for informational purposes only.

Results may vary based on account type, balance age, data quality, consumer responsiveness, client policies, applicable law, and other factors.

Unless expressly stated otherwise, examples or testimonials should not be interpreted as guarantees, promises, or typical results.

13. Third-Party Links

This website may contain links to third-party websites, payment processors, portals, service providers, advertisers, or external resources.

These links are provided for convenience only. Nova Collect LLC does not control, endorse, or assume responsibility for third-party websites, content, privacy practices, security, terms, or services.

Your use of any third-party website is at your own risk and may be subject to that third party’s terms of use and privacy policy.

14. Links to This Website

You may create a limited, revocable, nonexclusive hyperlink to this website, provided that the link does not portray Nova Collect LLC, its services, clients, consumers, or affiliates in a false, misleading, defamatory, derogatory, or offensive manner.

You may not use any Nova Collect LLC logo, trademark, service mark, trade name, or proprietary graphic without our prior written consent.

15. Advertisers and Third-Party Promotions

If this website contains advertising or third-party promotions, any dealings, communications, transactions, or participation in such promotions are solely between you and the applicable third party.

Nova Collect LLC is not responsible for any third-party advertising, promotion, product, service, payment, delivery, representation, or dispute.

16. Warranty Disclaimer

THIS WEBSITE, ITS CONTENT, FEATURES, SERVICES, AND MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

TO THE FULLEST EXTENT PERMITTED BY LAW, NOVA COLLECT LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, COMPLETENESS, TIMELINESS, ACCURACY, SECURITY, AND UNINTERRUPTED OPERATION.

NOVA COLLECT LLC DOES NOT REPRESENT OR WARRANT THAT:

The website will be secure, uninterrupted, timely, error-free, or available at all times;
The website or its content will meet your requirements or expectations;
The website will be free of viruses, malware, harmful code, or other harmful components;
Any errors or defects will be corrected; or
Any information on the website is complete, current, or suitable for your particular purpose.

Some jurisdictions do not allow certain warranty exclusions, so some of the above limitations may not apply to you.

17. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NOVA COLLECT LLC, ITS OWNERS, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, LICENSORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO:

Your access to or use of this website;
Your inability to access or use this website;
Website errors, omissions, interruptions, delays, or inaccuracies;
Viruses, malware, unauthorized access, or security incidents;
Third-party links, services, portals, or payment processors;
Reliance on information contained on this website; or
Any products, services, content, or materials obtained through or referenced on this website.

This limitation applies regardless of the legal theory asserted and even if Nova Collect LLC has been advised of the possibility of such damages.

18. Arbitration

Except for claims involving intellectual property rights, injunctive relief, or matters that may not be subject to arbitration under applicable law, any dispute, controversy, or claim arising out of or relating to these Terms of Use, this website, or your use of this website shall be resolved by binding arbitration administered by the American Arbitration Association under its applicable rules.

The arbitration shall be conducted on an individual basis. No dispute may be consolidated with the claim of another person, and no arbitration may proceed on a class, collective, or representative basis unless required by applicable law.

The arbitrator shall have authority to award any relief available under applicable law, subject to the limitations in these Terms of Use.

The arbitration location shall be Mecklenburg, North Carolina, unless the parties agree to telephone, video, written, or online arbitration, or unless applicable law requires another location.

Nothing in this section prevents either party from seeking temporary or preliminary injunctive relief from a court of competent jurisdiction where necessary to protect intellectual property, confidential information, or legal rights.

19. Jurisdiction and Venue

For any legal proceeding not subject to arbitration, you agree that the exclusive jurisdiction and venue shall be in the state or federal courts located in Mecklenburg, North Carolina, unless applicable law requires otherwise.

20. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Mecklenburg, North Carolina, without regard to conflict-of-law principles.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms of Use.

21. Intended Use Within the United States

This website is intended for use only within the United States. Nova Collect LLC does not represent that this website or its content is appropriate or available for use in any other jurisdiction.

Accessing this website from locations where its content or use is unlawful is prohibited.

22. Transfer and Processing of Information

Any personal information collected through this website may be stored and processed in the United States.

If you access this website from outside the United States, you consent to the transfer, storage, and processing of information in the United States, subject to our Privacy Policy and applicable law.

23. Privacy

Please review our Privacy Policy, which governs how we collect, use, disclose, and protect information obtained through this website.

Our Privacy Policy is accessible through the Privacy Policy link on this website.

24. Security

We use reasonable administrative, technical, and physical safeguards designed to protect information submitted through this website. However, no website, portal, transmission, or electronic storage system can be guaranteed to be completely secure.

You are responsible for maintaining the confidentiality of any login credentials, account access information, or authentication details associated with your use of any portal or website feature.

25. Force Majeure

Nova Collect LLC shall not be liable for any delay, interruption, failure, or inability to perform resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, labor disputes, governmental actions, war, terrorism, civil unrest, fires, power outages, internet disruptions, cyberattacks, telecommunications failures, vendor failures, or other events beyond our reasonable control.

26. Severability

If any provision of these Terms of Use is determined to be invalid, unlawful, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if modification is not possible, severed from these Terms of Use.

The remaining provisions shall remain in full force and effect.

27. Entire Agreement

These Terms of Use, together with our Privacy Policy and any applicable separate agreements, disclosures, or authorizations, constitute the entire agreement between you and Nova Collect LLC regarding your use of this website.