Terms of Service

These Terms of Service (the "Terms") form a binding agreement between you (and, where you sign up on behalf of an organisation, that organisation — "you" or "Customer") and SoftBillo. By creating an account, accessing, or using SoftBillo you accept these Terms. If you do not agree, do not use the service.

If you accept these Terms on behalf of a company, you confirm you have authority to bind it.

SoftBillo is operated by MetaEdx Inc, a Delaware corporation, together with its United Kingdom subsidiary MetaEdx Technologies Ltd. Which one you contract with depends on where you are:

• United Kingdom, Ireland and the European Union — MetaEdx Technologies Ltd.
• United States and everywhere else — MetaEdx Inc.

In these Terms, "SoftBillo", "we" and "us" mean whichever of those entities you contract with. The Terms are otherwise identical.

• Service — the SoftBillo web app, mobile experiences, APIs, integrations and related documentation.
• Workspace — the tenant that holds your data and team members.
• Customer Data — invoices, clients, expenses, documents, messages and any other content you or your users submit.
• Vio — the AI features built into the Service.

• You must be at least 18 and legally able to enter a contract.
• You must provide accurate registration information and keep it current.
• You are responsible for safeguarding credentials and for all activity under your account. Enable two-factor authentication where sensitive data is involved.
• The workspace owner controls the workspace, may add or remove members and roles, and is responsible for their use of the Service.
• Notify us promptly at info@softbillo.com of any suspected unauthorised access.

Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable right to use the Service for your internal business purposes. You must not:

• copy, modify, translate, reverse engineer, decompile or attempt to derive source code, except where such restriction is prohibited by law;
• resell, sublicense, rent, timeshare or provide the Service to third parties as a service bureau;
• scrape, crawl, bulk-download or otherwise extract data other than through documented export features or APIs;
• circumvent usage limits, plan entitlements, AI credit metering, rate limits, or security or authentication controls;
• use the Service to build or benchmark a competing product, or publish performance results without our written consent;
• remove or obscure any proprietary notices or branding.

You must not use the Service to:

• break any law or regulation, including sanctions, anti-money-laundering, tax and consumer-protection law;
• issue false, fraudulent or deceptive invoices, receipts, estimates or financial records;
• send spam or unsolicited marketing, or message contacts who have not consented or who have opted out;
• upload malware, or content that is unlawful, defamatory, infringing, obscene, or that harasses or endangers others;
• store payment card numbers, government identity documents or special-category personal data in free-text fields;
• probe, scan or test the vulnerability of the Service or interfere with its integrity or performance, except as permitted under our responsible disclosure policy.

We may investigate suspected violations and may remove content or suspend accounts that violate this section.

• Paid plans are billed in advance on a recurring basis and renew automatically until cancelled.
• You can cancel at any time from Settings → Billing. Cancellation takes effect at the end of the current billing period.
• Fees are non-refundable except where required by law. Partial periods, unused AI credits and unused seats are not refunded.
• AI usage is metered in credits by plan. Additional usage may require an upgrade or an overage purchase; we may pause AI features when an allowance is exhausted.
• Prices are exclusive of taxes; you are responsible for applicable VAT, GST, sales and withholding taxes.
• If a payment fails we may retry, restrict paid features, downgrade the workspace or suspend access after notice.
• We may change prices or plan entitlements with at least 30 days' notice before the change applies to your next renewal.
• Free plans and trials are provided as-is and may be modified or discontinued at any time.
• Payments are processed by our payment provider; you also agree to their terms.

SoftBillo records, organises and reports on your business activity. SoftBillo is not a bank, money transmitter, e-money institution, payment processor or custodian, and never holds, moves or advances your funds. Your customers pay through your own payment provider or bank account.

Nothing in the Service is financial, investment, accounting, tax or legal advice. Reports, categorisations, tax summaries and forecasts are informational only. You remain solely responsible for the accuracy and completeness of your records, for your filings and payments, and for obtaining professional advice.

• Vio produces probabilistic output that can be incomplete or wrong. Review and verify before relying on it.
• You are responsible for anything you send, publish, file or act on based on AI output.
• You must not submit content you lack rights to, or use AI features to generate unlawful, misleading or infringing material.
• We do not use your Customer Data to train third-party foundation models.
• AI features may depend on third-party model providers and may change, degrade or be withdrawn.

You own your Customer Data. You grant us a worldwide, non-exclusive, royalty-free licence to host, copy, transmit, display and process it solely to provide, secure and support the Service, and as required by law. Our processing of personal data is described in our Privacy Policy.

You warrant that you have all rights and consents needed for the Customer Data you submit, including contacts you upload or message.

We may generate aggregated, de-identified statistics that do not identify you or any individual, and use them to operate and improve the Service. If you send us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free licence to use them without obligation.

You can export your data at any time from inside the app.

The Service integrates with third parties such as payment providers, calendars, email delivery, storage and AI model providers. Those services are governed by their own terms and privacy policies. We are not responsible for third-party services, their availability, or their acts and omissions, and their changes may affect features.

We and our licensors own all rights in the Service, including software, designs, models, documentation and the SoftBillo, Vio and MetaEdx names and logos. No rights are granted except as expressly stated here.

Each party will protect the other's non-public information with reasonable care and use it only to perform under these Terms, excluding information that is public, independently developed, or required to be disclosed by law.

We aim for high availability and take automated backups, but the Service is provided without an availability guarantee unless we have signed a separate written service-level agreement. We may perform maintenance, and we will give notice of planned downtime where practical. We may modify, add or remove features over time.

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty that the Service will be uninterrupted, secure, error-free, or that output, calculations or tax summaries will be accurate or compliant. Some jurisdictions do not allow certain exclusions; in that case the exclusions apply to the fullest extent permitted.

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, punitive or consequential damages, or for lost profits, lost revenue, lost goodwill, business interruption, regulatory penalties, or loss or corruption of data, even if advised of the possibility.

Our total aggregate liability arising out of or relating to the Service or these Terms is limited to the fees you actually paid us in the 12 months immediately before the event giving rise to the claim (or USD 100 if you use a free plan).

Nothing here excludes liability that cannot lawfully be excluded, such as death or personal injury caused by negligence, or fraud.

You will defend, indemnify and hold harmless MetaEdx Inc, MetaEdx Technologies Ltd and their officers, employees and agents from any third-party claim, loss, liability, penalty or expense (including reasonable legal fees) arising from your Customer Data, your use of the Service, your breach of these Terms or applicable law, your tax or accounting filings, or your messaging of contacts.

• You may stop using the Service and delete your account at any time.
• We may suspend or terminate access immediately for non-payment, suspected fraud or unlawful activity, security risk, or material breach — with notice where reasonably practical.
• On termination your licence ends and paid features stop. You have 30 days to export your data, after which we delete or anonymise it in line with the Privacy Policy and our legal retention obligations.
• Sections that by nature should survive termination do so, including data ownership, IP, disclaimers, liability, indemnity and governing law.

• MetaEdx Inc customers — these Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules, and the state and federal courts located in Delaware have exclusive jurisdiction.
• MetaEdx Technologies Ltd customers — these Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

Before filing a claim, please contact us so we can try to resolve it informally within 30 days. Claims must be brought individually, not as a class or representative action, to the extent permitted by law. Consumers keep any mandatory rights and forums available in their country of residence.

Force majeure: neither party is liable for delays caused by events beyond reasonable control. You may not assign these Terms without our consent; we may assign them to an affiliate or in connection with a merger or sale. If any provision is unenforceable, the rest remains in force. Failure to enforce a provision is not a waiver. These Terms, plus the Privacy Policy and any order form, are the entire agreement between us.

We may update these Terms. Material changes will be communicated by email or in-app at least 30 days before they take effect. Continuing to use the Service after that date means you accept the updated Terms.

Questions about these Terms? Email info@softbillo.com and tell us which country you are in so the right entity responds. For data questions, see the Privacy Policy; for security controls, see the Security page.