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The Billing DeskRSA-2026-09d

Recovery Services Agreement

Version RSA-2026-09d

1. Parties

This Recovery Services Agreement ("Agreement") is between The Billing Desk, a service of Alphonzo Cirton, a sole proprietor doing business as Kova Digital Marketing ("Kova", "we") and the business identified in the onboarding form ("Contractor", "you"). It takes effect when you sign electronically (§14).

2. Services

Kova acts as your billing agent. On Enrolled Accounts (§6) Kova will, in your name and under your business identity:

  1. Send payment reminders by email and, only if you enable it and confirm consent (§10), SMS.
  2. Read and answer customer replies: confirm payments, offer split payment plans, record disputes, honor stop requests.
  3. Provide a hosted payment page and process payments through Stripe Connect to your connected account.
  4. Report every message, reply and payment to you in a dashboard and a weekly email.

Kova decides timing, wording and cadence of messages within the rules in §10. Kova does not make phone calls in this version of the service.

3. Fee

Kova's fee is 15% of Recovered Amounts (the "Fee"; contingency_bps = 1500).

Recovered Amount means any payment, credit, offset, trade or other value received on an Enrolled Account from the moment of enrollment through 90 days after Kova's last contact with that customer.

4. Paid-However-Collected

The Fee applies to every Recovered Amount regardless of how or where it is paid: through Kova's payment page, directly to you, by check, cash, card in your office, through your own software, through a bank transfer, or by a third party on the customer's behalf. The Fee applies only after Kova's first delivered contact on that Enrolled Account: a reminder email that was sent to the customer and not returned as undeliverable. From that first delivered contact, you owe the Fee on whatever that customer pays during the period in §3, even if you believe the payment was unrelated to Kova's work. No contact, no Fee.

There is no Fee on amounts you write off, on amounts a customer never pays, on payments received before Kova's first delivered contact, or on invoices you exclude before first contact (§6).

5. Payment mechanics

  1. Payments through Kova. Each payment is processed with you as the merchant of record and settles to your Stripe connected account with the Fee deducted first (application_fee_amount). You receive the remainder, less Stripe's processing fees (currently 2.9% + $0.30 per card transaction; ACH lower), on a daily payout schedule with a one-day delay, so funds normally reach your bank the next business day.
  2. Payments outside Kova. When Kova's ledger sync (§7) shows a balance reduction on an Enrolled Account without a matching Kova payment, Kova issues you a fee invoice for 15% of the reduction, with the evidence attached. It is due net 7 days and is paid through the Stripe invoice Kova emails you. If it stays unpaid 7 days after the due date, Kova may suspend the service (stop all outreach) until it is paid. Suspension does not end your obligations under §3–§4. Kova does not keep a card on file for you and never charges you without an invoice.
  3. Stripe processing fees are borne by you, out of your 85%. Kova's 15% is calculated on the gross amount paid by the customer.
  4. Refunds and chargebacks. If a Kova-processed payment is refunded, or a chargeback on it is lost, Kova reverses its Fee on that payment automatically by refunding the application fee to your connected account, records the payment as refunded, and the amount is no longer a Recovered Amount.

6. Enrollment

  1. An invoice becomes an Enrolled Account when it appears in an aging report you send Kova, or in a ledger you connect, and has an open balance past its due date (or, on the Guard plan, from issue).
  2. Exclude window. Kova emails you an enrollment summary listing every newly enrolled invoice with a one-click "Exclude" link. Kova's first contact with a customer is sent no sooner than 24 hours after the invoice is enrolled and only at 9am in the customer's local time. You may exclude any invoice at any time before Kova's first delivered contact, by that link, in your portal, or by replying to the summary; an excluded invoice owes no Fee. After first delivered contact, §4 applies.
  3. You may pause outreach on any account at any time; pausing does not un-enroll it.

7. Ledger access

To run the service and to compute the Fee honestly, you agree to give Kova read access to your invoicing ledger (QuickBooks, Jobber, Housecall Pro, ServiceTitan, FieldEdge or similar) or, if you prefer, to send a full accounts-receivable export at least weekly. If Kova has received no ledger data for 14 days, Kova will notify you, and may estimate Recovered Amounts from the last snapshot and its own payment records and invoice the Fee on that estimate; Kova does not do so automatically, and any estimate is corrected when data resumes.

8. Your representations

You confirm that for every Enrolled Account: the work was performed or goods delivered; the amount is accurate and owed; the customer information is correct and lawfully obtained; you are not aware that the customer is in bankruptcy, has disputed the charge in writing, or has asked you not to contact them. You will tell Kova within one business day if any of that changes. You are responsible for losses caused by an inaccurate representation.

9. Commercial accounts

Kova's primary service is accounts-receivable management for business-to-business invoices. On a Commercial Account (an Enrolled Account whose customer is a business, general contractor, property manager, government prime contractor, agency or other non-consumer entity) Kova's services are billing and receivables management performed as your agent on trade debt, not consumer debt collection, and the conduct rules written for consumer accounts in §10 apply to Commercial Accounts only to the extent Kova chooses to follow them as a matter of practice. You represent that every customer you mark as a business is in fact a business and that the invoice arises from goods or services supplied to that business, and you will mark any account owed by an individual for personal, family or household purposes as a consumer account. Consumer accounts (those you mark as such, and any account Kova has reason to treat as consumer) are subject to §10 in full. If Kova learns a Commercial Account is in fact a consumer account, Kova will treat it as consumer from that point; you are responsible for losses caused by a mis-marked account (§8).

10. Customer relationship and conduct

Kova will never threaten legal action, report to a credit bureau, contact a customer's employer or neighbors, contact anyone before 8am or after 9pm in the customer's local time, or misstate what is owed. Kova will honor every dispute (outreach stops until you resolve it), every stop request (permanently), and every request for a validation of the debt. On consumer accounts Kova follows the consumer-protection rules in this section in full; on Commercial Accounts (§9) contact is limited to business hours on business days in the customer's local time. Every message identifies you as the sender and Kova as the billing service. SMS is off by default; you enable it only by confirming that you hold the customer's prior express consent to receive texts.

11. Guard plan

Guard is an optional subscription of $199 per month (guard_monthly_cents = 19900), billed by Stripe subscription and started only by you through the Guard checkout, under which every open invoice is enrolled on issue and reminded from day 0. The 15% Fee still applies to Recovered Amounts on Guard accounts. Cancel any time from the dashboard; cancellation is effective at the end of the paid month. No refunds for partial months.

12. Term and termination

This Agreement runs until either party ends it. You may cancel any time by email or in the dashboard. Kova may end it with 7 days' notice, or immediately for non-payment, an untrue representation in §8, or conduct that exposes Kova to legal risk. After termination Kova stops all outreach within one business day. Accounts that were already enrolled remain subject to §3–§5 for the 90-day tail, and you continue to provide ledger data (§7) for that period.

13. Limitation of liability

Kova's total liability under this Agreement is limited to the Fees you paid in the 3 months before the claim. Neither party is liable for indirect, incidental or consequential damages, including lost profits. Nothing here limits liability for fraud or for a party's own willful misconduct. Kova provides the service "as is"; it does not guarantee any recovery rate.

14. Governing law, disputes, e-signature

This Agreement is governed by the laws of the State of Illinois, without regard to conflict-of-law rules. Disputes go to the state or federal courts in Cook County, Illinois. You agree that clicking "I agree" in the onboarding flow, with your name typed, is your electronic signature under the Illinois Electronic Commerce Security Act and the federal E-SIGN Act, and that Kova's record of the signed text (identified by its SHA-256 hash), your name, IP address and timestamp is conclusive evidence of the Agreement.

15. Whole agreement

This is the entire agreement between us on this subject. Changes are effective only if made in a new numbered version you accept electronically.

Signed: {signer_name} on {signed_at} from {signer_ip} · Document hash {document_sha256}