These Terms of Service (“Terms”) constitute a legally binding agreement between you (“Client,” “you,” or “your”) and IRS Collections (“Company,” “we,” “our,” or “us”) governing your use of our debt collection services and website. By engaging our services or using our website, you agree to be bound by these Terms and our Privacy Policy.
IRS Collections is a licensed collection agency operating across Canada in compliance with all applicable federal and provincial collection agency legislation, consumer protection laws, and privacy regulations.
IRS Collections provides professional debt recovery services including:
All services are performed in strict compliance with applicable collection agency legislation including but not limited to the Collection and Debt Repayment Act (Alberta), Collection Agencies Act (British Columbia), Collection and Debt Settlement Services Act (Ontario), and equivalent legislation in other provinces.
By engaging our services, you represent, warrant, and agree that:
Contingency Fee Structure
Our standard fee structure operates on a contingency basis: we charge a percentage of amounts successfully collected. Specific rates are provided in your service agreement and vary based on account age, size, complexity, and volume.
No Collection, No Fee
For standard contingency arrangements, if we do not collect on an account, you owe no fee for our collection efforts. This does not apply to hourly or flat-fee arrangements where applicable.
Remittance
Collected funds are held in our trust account and remitted to you monthly (or as otherwise agreed), less our commission and any approved costs. Detailed accounting statements are provided with each remittance.
Trust Account Compliance
All client funds are maintained in a designated trust account in compliance with provincial collection agency legislation and are never commingled with company operating funds.
We are committed to ethical, professional, and legally compliant collection practices:
You agree to notify us immediately if:
Failure to provide timely notification may result in continued collection efforts, legal complications, or violations of debtor rights.
During the collection period:
You agree to indemnify, defend, and hold harmless IRS Collections, its officers, employees, and agents from any claims, losses, damages, liabilities, or expenses (including legal fees) arising from:
This indemnification does not apply to claims arising solely from our negligence, misconduct, or violation of applicable laws in our collection activities.
To the maximum extent permitted by law:
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.
Both parties agree to maintain the confidentiality of all non-public information shared in the course of our business relationship. This includes account information, debtor data, collection strategies, and business practices. Information may only be disclosed as required by law, court order, or with written consent. Our privacy practices are detailed in our Privacy Policy.
Either party may terminate this agreement with written notice, subject to the following:
Any disputes arising from these Terms or our services shall first be addressed through good-faith negotiation. If negotiation fails, disputes shall be resolved through mediation or arbitration in accordance with the laws of the province where services were primarily performed, before resorting to litigation. Both parties consent to the jurisdiction of courts in that province for any necessary legal proceedings.
IRS Collections maintains all required licenses and bonds as a collection agency operating in Canada. We comply with:
Use of our website is subject to the following conditions:
We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated “Last Updated” date. Continued use of our services after changes constitutes acceptance of modified Terms. Material changes affecting existing client agreements will be communicated directly to affected clients.
These Terms are governed by the laws of Canada and the province in which services are primarily performed. In the event of any conflict between these Terms and applicable law, the law shall prevail. If any provision is found unenforceable, the remaining provisions remain in full effect.
These Terms, together with our Privacy Policy and any executed service agreements, constitute the entire agreement between you and IRS Collections regarding our services, superseding any prior agreements or understandings. No modification is valid unless in writing and signed by both parties.
If you have questions about these Terms of Service, please contact us:
Acknowledgment
By using our services or website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, please do not use our services or website.
