Account Closure for Overdrawn Accounts

When an Account Becomes Overdrawn

An account enters the overdrawn state when its effective
balance (cash balance) goes negative. This means usage
charges have exceeded all available funds. When this
happens, the account owner receives an email notification
about the negative balance.

Warning Timeline

Accounts that remain continuously overdrawn receive graduated
closure warnings:

• 90-day notice: sent approximately 275 days after the account first became overdrawn.
• 60-day notice: sent approximately 305 days after the account first became overdrawn.
• 30-day notice (final warning): sent approximately 335 days after the account first became overdrawn.

Each warning is sent by email to the account owner.

Account Closure

If the account remains overdrawn for 365 days and at least
45 days have passed since the final warning, the account is
permanently closed. A closure confirmation email is sent to
the account owner.

Closed accounts are no longer operational: calls, leads,
and other platform services stop functioning.

How to Prevent Closure

At any point before closure, adding funds sufficient to
bring the effective balance back to zero or above will
immediately clear the overdrawn state and cancel the closure
timeline. All warning timestamps are reset, so the account
starts fresh if it becomes overdrawn again in the future.

Rate Changes for Extended Overdrawn Accounts

Accounts that have been overdrawn for six or more months
without making a payment may be moved to pay-as-you-go
rates and have their credit limit reduced to zero.