International $1,000–$7,999 tier reduced from 20% to 18%. All other tiers remain unchanged.

Age Uplift rates reduced and simplified. The cumulative stacking model has been replaced with a single-bracket system. Only the highest applicable bracket applies:

Success Fee calculated on the Recovered Amount. The fee is now based on the amount actually collected, not the original Principal Amount. The percentage tier is still determined by the submitted Principal Amount at case acceptance.

Blended age uplift for multi-invoice claims. Where a case includes invoices with different due dates, the age uplift is calculated using a principal-weighted formula rather than applying a single bracket to the entire case.

Acceptance-based start date. The six-month collection period now begins on the Collection Period Start Date: the earlier of (a) the date you formally accept the case, or (b) the date all required information is provided. Previously the period started at submission.

Extension triggers unchanged. Promise to pay, signed installment plan, or any payment each add 12 months from the triggering event date. Extensions chain indefinitely with no cap.

Reassignment resets the period. If a case is reassigned to a new Collection Partner, a fresh collection period begins. Your extensions do not carry over to the new partner.

Pre-approved installment period increased to 12 months. You can now arrange installment plans of up to 12 months (previously 6) without Client approval, provided the debtor acknowledges the debt in an enforceable form.

Deemed approval for settlements up to 20%. If you propose a settlement that reduces the outstanding amount by 20% or less and the Client does not respond within 10 business days, the settlement is automatically approved. Settlements above 20% still require explicit Client approval.

Extended installment plans (12–24 months). If the Client does not respond within 10 business days, you may arrange a plan up to 24 months without requiring debt acknowledgment. Plans exceeding 24 months always require explicit approval.

Unresponsive Client closure right. If a Client does not respond within 10 business days and continued collection is impractical, you may close the case. Fees already earned remain payable.

Structured complaint process. All disputes now go through the platform’s complaint process. Debitura reviews each complaint and classifies it as Minor, Medium, or Severe. Only Severe outcomes have financial consequences.

Partner Severe Breach categories. Six enumerated categories: misappropriation of funds, failure to undertake meaningful collection activity, unauthorised settlements, unlawful collection methods, unauthorised disclosure of data, and fraud. If upheld, the Client may close affected cases without paying the success fee or withdrawal fee.

Client Severe Breach categories. Six enumerated categories: fictitious claims, repeated unresponsiveness, exclusivity breach, unreported direct payments, failure to pay fees, and fraud. If upheld, you may charge the full success fee as if the claim were paid in full. Debitura may restrict the Client’s platform account.

Automatic Severe Breach for late payment. Any payment delay of more than 10 business days beyond the applicable deadline constitutes a Severe Breach for either party, without further notice.

Mandatory remittance statements. Each disbursement must now include an itemised statement showing the recovered amount, exchange rate, success fee, age uplift, additional fees, VAT, bank costs, and net amount remitted to the Client.

Stronger enforcement on direct payments. If a Client fails to notify you of a direct payment from the debtor within 3 business days, you may charge the full success fee on the total Principal Amount as if the claim were paid in full.

Four industry categories are now formally excluded: gambling, cryptocurrency, multi-level marketing, and adult entertainment. You may independently decline or close cases on these grounds without liability.

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