Terms & Conditions

These terms govern your use of invoiso. By creating an account or using the service after having the opportunity to review them, you agree to these terms. If you use invoiso for a business or organisation, you confirm that you have authority to bind it. If you do not agree, do not use the service.

Who you are contracting with

invoiso is operated by Moorio, UAB, a company registered in Lithuania, company number 305786688, registered at Mindaugo 1A-103, Vilnius, Lithuania. These terms are an agreement between you and that company, and “we”, “us” and “our” mean it throughout.

For questions about these terms, email legal@invoiso.com.

The service

invoiso creates and keeps the paperwork a small business runs on: invoices and credit notes, expenses read out of documents you upload or a mailbox you connect, bank statements matched against what you invoiced, stock and what it cost, reports, e-invoicing where a country requires it, and documents sent for signature. An assistant can do most of that by being asked.

Without an account it runs entirely in your browser. A free account adds the workspace and everything stored in it. Paid plans add capability rather than volume — issuing invoices is unlimited on every plan, including the free one. What is on which plan is on the pricing page, and prices are shown before you confirm anything.

Acceptable use

You agree not to:

• Use the service for fraud, money laundering, or any activity that's illegal where you live or where we operate.
• Interfere with the service — load tests, scraping, automated account creation, exploiting vulnerabilities — without our prior written consent.
• Issue invoices for goods or services that violate someone else's rights (intellectual property, privacy, etc.) or applicable law.
• Use the service to send spam, phishing, or unsolicited marketing.

We may suspend or terminate accounts that violate this section, with or without notice, depending on severity.

Who we do not provide the service to

We do not knowingly provide the service to:

• persons or entities designated under EU, UN, UK (OFSI) or US (OFAC) sanctions, or entities owned or controlled by them;
• customers established in, or operating from, comprehensively sanctioned jurisdictions or FATF call-for-action jurisdictions;
• businesses engaged in illegal activity, unlicensed gambling, unlicensed financial or money-services activity, weapons or dual-use goods trading, adult content, or the sale of controlled substances;
• shell entities with no discernible business purpose.

Accounts found to fall into these categories are suspended and terminated under these terms.

Your content

You retain your rights in the data you put into invoiso — including invoice text, customer and supplier details, documents and branding. You give us a limited licence to host, copy, process, transmit and display it only as needed to operate, secure and support the service you request.

We do not sell workspace content or use it for advertising. Features such as document reading, the assistant, email, file storage, e-invoicing and connected accounting services require us to process or transmit content through the providers identified in the Privacy Policy.

Accounts

You're responsible for keeping your sign-in credentials secure. Tell us as soon as you suspect unauthorized access. We'll do what we can to help, but we can't recover access to data we never had — e.g. invoices that only existed in another device's browser storage.

Plans, the meter, and what a month can cost

The Free plan has no subscription charge or trial expiry. Issuing invoices is not metered on any plan. Plans, features and prices may change under the notice rules below, but a change will not alter charges you already confirmed for a current paid period.

Plans that include unlimited users are intended for reasonable use by a single organisation’s own staff and its external advisers (e.g. accountants). Sharing a workspace across unrelated businesses is not permitted. Where an organisation exceeds 25 active users, we may contact you to discuss custom pricing.

If you select Business or Complete while signing up, invoiso may start a one-time 14-day Complete trial without asking for a card. The trial includes up to 25 successful document reads and 25 successful assistant answers. When it ends, the workspace moves to Free automatically unless you choose a paid plan. We do not delete workspace data at the end of a trial, and we do not charge a card automatically.

Two things are limited, and they behave differently.

• Reading documents and asking the assistant cost real money per use, so every plan includes an amount of them each month. When that amount runs out, those features pause. Nothing beyond your plan is ever charged automatically. If Settings offers billed overage and you opt in, work is billed by what the usage actually costs, multiplied by the rate shown for your plan, and pauses at the displayed ceiling. Otherwise, and whenever you prefer, a paid plan can top up a balance before the month resets and spend it at a stated multiple of what each use actually costs; when the balance runs out, those features pause again until you top up or the period resets. A balance does not expire, and it is non-refundable except where the law requires otherwise. The free plan pauses reading and the assistant until the month resets, and invoicing carries on regardless. The current figures are on the pricing page.
• Documents sent for signatureare limited by plan and simply stop when the month is used up — nothing is billed above the limit. A document counts once when you send it, however many people sign it, and documents already out for signature are never recalled.

Changing plan mid-month does not re-price the past: what you have already spent stays spent and the new plan’s allowance applies from the change onwards. Downgrading never produces a credit for an allowance you did not use.

An upgrade takes effect immediately.You are charged the prorated difference for the rest of the current period — credit for what you already paid on the old plan and a charge for the remainder on the new one. The amount is shown to you before you confirm it. Switching between monthly and annual billing also takes effect immediately and starts a new billing period on the switch date.

A downgrade takes effect at the end of the period you already paid for.Nothing is charged or refunded: you keep the higher plan’s features until the period ends, and the lower plan begins after that. Settings shows the scheduled plan and date, and you can cancel the scheduled downgrade before it takes effect.

A plan change cannot move you to a different currency while a subscription is running. To change currency, cancel and subscribe again in the one you want.

Listed subscription prices exclude VAT, GST and similar sales taxes. Where tax applies, Stripe calculates and adds it at checkout and shows it on the receipt before or after payment as applicable.

You can cancel a paid plan at any time. Cancellation takes effect at the end of the period you have paid for, you keep the plan’s features until then, and your data stays where it is. A failed payment does not cut you off immediately — we keep the features running while the card is retried, and tell you.

Usage balance

Every plan includes an allowance for assistant answers and document reading. Beyond that allowance you can add ausage balanceand carry on. The balance is money, not a number of documents or answers, and each piece of work costs what it actually costs us to run multiplied by your plan’s rate — so a long document costs more than a short one rather than an average of the two. Your plan’s rate is shown in Settings before you buy anything.

A balance does not expire.It stays on your workspace until you use it, including if you change plan — a better plan simply means the same money buys more usage.

A balance is non-refundable, except where the law requires otherwise.Some consumer protection laws — including the right of withdrawal for consumers in the EU and UK — give a right to a refund that these terms cannot remove, and where such a law applies to you it applies whatever this paragraph says.

Tax on a top-up is calculated and collected at checkout by Stripe according to where you are, and appears on the receipt Stripe issues.

Work already started is finished.Because the cost of a piece of work is only known once it has run, a balance can end very slightly below zero — by at most the cost of the one piece of work that was already under way. No new work starts on an empty balance, and the small remainder is settled by your next top-up. Nothing is charged to a card automatically: a balance only ever changes because you added to it or because usage consumed it.

Before anything unusually large, invoiso shows an estimate and asks first. The estimate is an estimate; what you are charged is what the work actually cost.

Documents sent for signature

invoiso lets you place signature, initial, date and text fields on a PDF, send it to the people who have to sign, and receive a completed copy with a certificate of completion listing every signer, their email address, the time they signed and the IP address they signed from.

What kind of signature this is.invoiso records an electronic signature and an audit trail. It does not produce an advanced or qualified electronic signature under the EU eIDAS framework, or a secure electronic signature under Singapore’s Electronic Transactions Act. It therefore does not carry the special statutory status or presumptions those higher-assurance signatures can receive. invoiso is not a certification authority or qualified trust service provider.

Laws in the EU, United States and Singapore generally protect covered electronic signatures from being rejected solely because they are electronic. That does not mean every electronic signature is sufficient for every document, that all jurisdictions apply the same rule, or that the signature proves who used the link. Validity can depend on the document, governing law, the parties’ agreement, required formalities, consent and the available identity evidence.

We do not verify who anybody is.A signer receives a private link at the email address you gave us. That link is the only credential: anyone who has it can sign. We do not check identity documents, we do not verify that the address belongs to the person you named, and we cannot tell you that a particular human being signed. What we can tell you is what happened — every send, open, signature and refusal, with its time and the IP address it came from — and that record is the evidence you would rely on if a signature were ever disputed. It is evidence, not proof, and it does not shift the burden of proving a signature onto the person denying it.

What the sealed document proves.A completed document carries an embedded cryptographic signature covering the whole file. A compatible PDF reader can use it to show whether the file changed after invoiso issued it. That supports the document’sintegrity, not anybody’sidentity: the certificate is ours and self-issued, so a reader may describe it as untrusted even when the file is unchanged.

Documents that need extra care.Do not rely on this signing method without local legal advice for wills or other testamentary documents; land sales, transfers or registrable interests; powers of attorney or declarations of trust; negotiable instruments or transferable documents; family-law or court documents; regulated consumer notices; or anything requiring a witness, notary, deed, qualified signature, secure signature or another prescribed form. Exceptions and formalities differ by jurisdiction, and this is not a complete list.

If you send documents to consumers.Where the law requires a disclosure to be given to a consumer, delivering it electronically may require that consumer’s prior consent in a specific form — under the US ESIGN Act, consent given after being told of their right to a paper copy, how to withdraw it, and what they need in order to read it. invoiso does not collect that consent and does not check whether you have. It is your obligation, and using invoiso does not discharge it.

It remains your decision.Whether an electronic signature is sufficient for a particular document, in a particular country, between particular parties, is a question about your circumstances and not one we answer. If it matters, take advice before you rely on it. Keep your own copies of anything that does: a completed document can be downloaded at any time while your account exists, and that is the extent of the guarantee we can sensibly make.

Automated processing, and who is responsible for it

Parts of invoiso reach conclusions without a person: a model reads documents you upload or that arrive in a connected mailbox and proposes what they say; a matcher scores bank transactions against invoices and bills; the assistant answers questions and, where you allow it, files and records things directly. Everything produced that way is a suggestion you are responsible for checking, not a determination we stand behind.

The following areas can act without waiting for a separate confirmation, depending on the setting you choose:

• Recognising expenses from documents — Every document is read and filed either way. This decides which of them are clear enough to count without you checking first. Confirming an expense puts its figures into your reports and its quantities into stock.
• Reconciling bank transactions — Every transaction is matched to the document it most likely settles — money in against an invoice, money out against a supplier's bill. This decides which of those matches are recorded without you. A bill with no reference of its own can only be identified by its supplier and its amount, so those wait for a higher position. Recording a receipt settles the invoice and takes it out of the overdue list; recording a payment out reduces what is owed on the bill. At the top position, transactions judged to settle nothing at all are set aside.
• Accepting a change to where a supplier is paid — Every account a bill prints is read and compared with the supplier's card either way. This decides which of those changes go onto the card without you. A first account is never held — the fraud this guards against is a change, not an arrival — and an account that replaces every one on file waits for a higher position than one that arrives alongside them. Accepting a change moves where a payment file sends this supplier's money. Nothing is dismissed silently: the file names every supplier whose account changed since the last one.

Each starts at its most cautious setting and only moves when you move it, everything done this way is recorded with its reason, and everything can be undone. It can still be wrong: a total misread from a crumpled receipt, a payment matched to the wrong invoice, a figure summarised carelessly. The records are yours and so is responsibility for them. Check anything you would not be comfortable defending to an auditor or a tax authority, and turn the automation down if you would rather check first — that is exactly what the setting is for. We are not liable for a decision you take on the strength of an automated suggestion you did not check.

Services you connect, and services we depend on

Connecting a mailbox, an accounting package, a payment provider or an e-invoicing network means we act on your instruction with that service, under its own terms. You are telling us you are entitled to connect that account. You can disconnect any of them at any time; doing so stops future exchanges and does not undo past ones — an invoice already transmitted to your customer, or already pushed into your accounting package, is out of our hands.

invoiso also runs on services we do not control. The companies that receive or return your data, what each receives and when, are listed in the Privacy Policy. It currently identifies 14 service providers and the published data sources we fetch from: European Central Bank.

What those services do, fail to do, return, or charge is outside our control, and we are not liable for it. That includes an exchange rate a provider published wrongly or did not publish at all; a document a model read incorrectly; a network that delayed, rejected or lost an e-invoice; an accounting package that recorded something differently from how we sent it; a payment provider’s decision about a transaction; and any outage at any of them. Where a service returns us a figure, we pass on what it returned; we do not warrant it. Where one of them changes its terms, its interface or its prices, we may have to change or withdraw the corresponding feature.

Availability

We aim to keep the service available but do not promise uninterrupted or error-free operation unless a separate written agreement says otherwise. Maintenance, provider outages and events outside our reasonable control may cause downtime. Guest invoices stored in a browser may remain available on that device, but signed-in and connected features can depend on our servers and providers.

The figures invoiso produces

invoiso is provided “as is” and “as available”. We work hard to keep it accurate and we check our arithmetic against independently derived figures, but we do not warrant that any number invoiso produces is correct, complete, or fit for any particular purpose — including for filing, for an audit, or for a tax return.

That covers, without limiting the general statement above: totals, tax and discount calculations on documents; amounts converted into your reporting currency, which are converted at the rate held for each document’s own date and are only as good as the rates we hold; figures read out of a document you upload or a mailbox you connect; bank transactions matched to invoices or bills; stock quantities and valuations; every report, dashboard figure, export and answer the assistant gives; and any figure a connected service returns to us. Where no exchange rate covers a document’s date, that document is left out of a converted total rather than counted at zero, and the figure is shown as the subtotal it is — but a subtotal that says so is still not a warranty that the rest is right.

Anything invoiso tells you about a tax authority’s requirements — including which phase of Singapore’s InvoiceNow requirement your business falls into and when it starts — is a summary of published guidance and an estimate from what you told us. It is not tax, legal or accounting advice, and we are not your accountant. The authority’s own guidance, and any date it has written to you with, are what count.

To the fullest extent the law allows, we exclude all warranties, conditions and terms implied by statute or common law, including any implied terms as to satisfactory quality, fitness for a particular purpose, accuracy, or uninterrupted or error-free operation.

What you are responsible for

You are responsible for checking what invoiso produces before you send it, file it, or rely on it. An invoice you issue is your document, a return you file is your return, and a figure you give your accountant is your figure. invoiso is a tool you use to prepare them; it does not assume any of those obligations for you.

You are responsible, in particular, for:

• Reviewing every document — invoice, credit note, statement, report or export — before it is sent to a customer, submitted to an authority, pushed into an accounting package, or used as the basis for a decision.
• Your own tax, accounting, invoicing and record-keeping obligations, including registration, the rates and treatments you apply, the content and numbering an invoice must carry where you are, filing on time, and keeping records for as long as the law requires. Meeting them is yours whatever invoiso shows.
• The accuracy of what you put in — client details, prices, tax rates, dates, opening stock — since nothing we compute can be better than it.
• Keeping your own copies of anything that matters, and taking your data out before you stop using the service.

If something invoiso shows you looks wrong, do not send it. Tell us at support@invoiso.com — we would far rather fix it than rely on this section.

Limitation of liability

This section limits what we may owe if invoiso causes loss. Read it before relying on the service for business-critical work.

Business customers.invoiso is sold for use in a trade, business or profession. If you are using it that way, then to the fullest extent the law allows:

• We are not liable for indirect or consequential loss of any kind, nor for loss of profit, revenue, anticipated savings, business, contracts, goodwill or reputation; for loss or corruption of data; for business interruption; for wasted management time; or for any penalty, interest, surcharge or additional tax assessed against you — in each case whether or not we were told such loss was possible, and whether the claim is in contract, tort (including negligence), breach of statutory duty or otherwise.
• Our total aggregate liability for all claims arising out of or in connection with these terms or your use of invoiso is limited to the total fees you have actually paid us for the service in the twelve months immediately before the event giving rise to the claim. Where you have paid us nothing in that period — which is the case on the free tier — that limit is zero.
• Any claim must be brought within twelve months of the date you first became aware, or reasonably ought to have become aware, of the circumstances giving rise to it.

Consumers.If you are using invoiso as a consumer — outside any trade, business or profession — then nothing in these terms removes or reduces the rights your local law gives you, and the two paragraphs above apply only so far as that law permits. In the EU and the EEA in particular, mandatory consumer-protection rules, including those on unfair contract terms and on the conformity of digital content and services, take precedence over anything written here. In Singapore, the Consumer Protection (Fair Trading) Act and the Unfair Contract Terms Act do the same. We are liable to a consumer for loss that was a foreseeable result of our breaking these terms or failing to use reasonable care and skill.

What is never excluded.Nothing in these terms limits or excludes our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• any other liability that cannot lawfully be limited or excluded under the law that applies to you.

If part of this section cannot be enforced.Each limitation, exclusion and carve-out above is intended to operate separately. If a court or regulator finds any of them — or any part of one, or its application to a particular kind of loss or a particular customer — unenforceable or unreasonable, that part is to be treated as modified to the minimum extent needed to make it enforceable, or if it cannot be, severed. The remainder of this section, and the rest of these terms, continue in full force. In particular, a limit held unenforceable against consumers is not thereby unenforceable against business customers.

These limits do not make a wrong figure acceptable and are not a substitute for maintaining the software. If invoiso produces a wrong figure, tell us so we can investigate and correct the product.

Termination and what happens to your data

You can stop using invoiso or cancel a paid subscription at any time. Cancelling a subscription does not delete your workspace. Before asking us to delete it, take any copies you need: invoices download as PDFs and reports export as spreadsheets from inside the app.

Deleting your organisation cancels the subscription immediately and begins a 30-day grace period; nothing is destroyed during it, and telling us inside that window restores the workspace untouched. After it we delete workspace data, stored files and the access granted to any connected service, subject to limited records we must retain for law, security, billing or legal claims, as explained in the Privacy Policy. You can also email privacy@invoiso.com. We do not delete workspaces merely for inactivity.

We may terminate or suspend access for material breach of these terms, illegal activity, or in response to a binding legal order.

If part of these terms fails

These terms are severable. If any provision, or part of one, is held invalid, unenforceable or unreasonable by a court or regulator of competent jurisdiction, it is to be modified to the least extent needed to make it enforceable and give effect to its commercial intent — and if that is not possible, severed. Everything else stays in force. A provision held unenforceable in one jurisdiction, or against one class of customer, remains in force elsewhere and against others.

A failure or delay by either of us in enforcing a provision is not a waiver of it.

Changes to these terms

We may update these terms. The “Last updated” date at the top will reflect any change. For material changes that affect signed-in users, we will provide reasonable advance notice in-app or by email unless a legal, security or urgent operational reason requires faster action. If you do not agree to revised terms, stop using the service and cancel any paid subscription before they take effect. Continuing after the effective date means you accept the revised terms where the law permits that form of acceptance.

Governing law

These terms are governed by the law of the Republic of Lithuania, and the courts of the Republic of Lithuania have jurisdiction over any dispute that cannot be resolved informally.

That choice does not take away rights you have where you live. If you are a consumer resident in the EU or the EEA, the mandatory consumer-protection law of your country of residence continues to apply, and you may bring proceedings in the courts of the country you live in — a consumer cannot be required to litigate elsewhere. Nothing in this section affects any right you have to bring a claim before a regulator or an alternative dispute-resolution body.

Contact

For questions about these terms, email legal@invoiso.com.