Legal
Terms &
Conditions
Effective 25 May 2026. These Terms set the responsibilities, limits, and dispute resolution framework for using Invofolio. Please read them carefully; they include an arbitration clause, a class action waiver, and a cap on liability.
Related: Privacy Policy · Sub-processors
1. Acceptance of these Terms
By accessing, registering for, or using Invofolio (the "Service"), you agree to be bound by these Terms and Conditions (the "Terms"). If you do not agree, do not access or use the Service. If you use the Service on behalf of a business, client, studio, agency, or other organisation, you represent and warrant that you have authority to accept these Terms on that organisation’s behalf, and references to "you" mean both you and that organisation.
2. What Invofolio Provides
Invofolio is a productivity workspace for creating quotations, invoices, client records, project numbering, PDF previews, public share links, payment records, and dashboard summaries. The Service is a software tool only. It is not, and shall not be construed as, accounting, bookkeeping, audit, tax, legal, financial, investment, regulatory, professional, or business advice.
3. Not a Regulated or Professional Service
The Service is NOT, and shall not be construed as: (a) an accounting, bookkeeping, or audit system; (b) tax preparation, tax filing, or tax compliance software; (c) legal, financial, investment, or business advice; (d) a regulated financial service, money transmission service, payment institution, money service operator, or payment service provider under any jurisdiction; (e) an anti-money-laundering, know-your-customer, counter-terrorism-financing, or sanctions screening service; (f) an electronic invoicing compliance system for any jurisdiction that mandates specific e-invoicing standards (including but not limited to Italy SdI, France Chorus Pro, Mexico CFDI, Brazil NF-e, Saudi Arabia ZATCA, or Hong Kong consumption tax e-invoicing if introduced); (g) a statutory record-keeping, archival, or evidential system for legal, regulatory, tax, or audit purposes; or (h) a backup, archival, or disaster recovery service. You are solely responsible for ensuring that your use of the Service complies with all applicable laws, regulations, professional standards, and contractual obligations.
4. Restricted Users and Jurisdictions
The Service is not offered to, and may not be used by, the following persons or entities: (a) residents of, or persons or entities located in, the European Economic Area, the United Kingdom, or Switzerland, unless and until we publish a GDPR-compliant addendum and you accept it; (b) residents of, or persons or entities located in, any jurisdiction subject to comprehensive international sanctions, including without limitation Cuba, Iran, North Korea, Syria, the Crimea region, and the Donetsk, Luhansk, Kherson, and Zaporizhzhia regions of Ukraine; (c) persons or entities listed on any government sanctions list, including the United States OFAC Specially Designated Nationals list, the EU consolidated sanctions list, the UK HMT sanctions list, or the Hong Kong AMLO sanctions list; (d) regulated financial institutions, licensed money service operators, payment institutions, virtual asset service providers, or other licensed corporations whose use of the Service would impose regulatory or compliance obligations on the Service provider; and (e) persons or entities using the Service in connection with legal practice, medical practice, regulated financial advisory, or other professional services where professional regulation imposes specific software, security, archival, or audit-trail compliance requirements that the Service is not designed to meet. By using the Service, you represent and warrant that you are not a restricted user.
5. Account and Authentication
You are responsible for keeping your account credentials, email address, authentication method, devices, browser sessions, password manager, and recovery factors secure. You are responsible for all activity occurring under your account, unless caused solely by our intentional misconduct. You must notify us promptly if you suspect unauthorised access, credential compromise, lost device, unauthorised invoice issuance, incorrect data exposure, or misuse of a public share link.
6. Your Responsibilities for Content and Output
You are solely responsible for the accuracy, legality, completeness, currency, tax classification, and suitability of all information you enter, generate, modify, export, send, share, or rely upon through the Service. You must independently review every invoice, quotation, tax rate, payment instruction, bank detail, client detail, currency conversion, totals calculation, public share link, and PDF before issuing, sending, relying upon, or storing it. The Service may display calculated totals, suggested invoice numbers, currency conversion rates, and other generated values; these are provided for convenience only and are not warranted to be correct, current, or fit for any particular purpose.
7. Ownership of Your Data
You retain ownership of the business information and content you enter into the Service ("Your Content"). You grant us a worldwide, non-exclusive, royalty-free, non-transferable licence to host, store, process, transmit, display, back up, copy, and format Your Content solely as reasonably needed to operate, secure, support, troubleshoot, debug, and improve the Service. We may use aggregated or de-identified data derived from Your Content for these purposes where practical. We may sublicense this licence only to the sub-processors listed at /sub-processors strictly to the extent necessary for them to perform the services described there. We do not grant any rights to use Your Content for marketing, advertising, training third-party models, or creating new products outside the Service without your separate consent. Do not upload highly sensitive information (including without limitation government identifiers, full payment card numbers, health information, biometric data, or material non-public information) unless it is strictly necessary for your billing workflow.
8. Public Share Links and Exports
If you create or send a public invoice link, anyone in possession of that link may be able to view, download, or print the shared document until access is removed or the link is disabled by you. You are solely responsible for deciding who receives public share links, PDFs, exported files, payment details, and invoice copies. We are not responsible for any access, viewing, copying, forwarding, screenshotting, downloading, archiving, or republication of shared documents by recipients or any third party, or for the consequences of your sharing choices.
9. Plans, Pricing, and Billing
Free and paid plan limits, pricing, included features, and availability may change over time. Paid subscriptions will display the price and billing cadence before payment is collected. Payments are processed by Stripe and are subject to Stripe’s terms. We may add, modify, suspend, deprecate, remove, or reprice features where reasonably necessary for product, security, operational, legal, regulatory, or commercial reasons. Material price increases will be announced with at least thirty (30) days’ notice before they take effect for your existing paid subscription. Unless explicitly stated otherwise, all fees are non-refundable once paid, except where mandatory consumer law requires a refund.
10. Acceptable Use
You must not, and must not permit any other person to: (a) misuse the Service, attempt to access data, accounts, or systems without permission, or interfere with the operation, performance, or security of the Service; (b) bypass, disable, or circumvent any usage limits, rate limits, plan limits, technical restrictions, or security measures; (c) probe, scan, fuzz, exploit, or attack any part of our infrastructure or that of our sub-processors; (d) upload malware, malicious code, or harmful content; (e) use the Service to commit, facilitate, or further fraud, money laundering, sanctions evasion, tax evasion, or any unlawful activity; (f) impersonate any person or misrepresent your affiliation; (g) enter, transmit, or share content that infringes intellectual property, privacy, publicity, or other rights, or that violates any law; (h) reverse engineer, decompile, or attempt to extract the source code of the Service, except to the extent expressly permitted by mandatory law; (i) use the Service to send unsolicited bulk communications, phishing, or harassment; or (j) issue invoices or quotations in connection with virtual asset, cryptocurrency, NFT, or unlicensed regulated transactions without independently verifying compliance. We may suspend, restrict, throttle, or terminate access without notice if we reasonably believe these Terms are being breached or if action is needed to protect users, data, infrastructure, or third parties.
11. Security and Incidents
We apply commercially reasonable technical and organisational measures designed to protect the Service. However, no internet service, cloud provider, hosting platform, software system, or transmission method is, or can be, guaranteed to be completely secure, uninterrupted, error-free, or free of vulnerabilities. Security incidents, unauthorised access, data exposure, data loss, service outages, provider failures, software defects, configuration errors, dependency vulnerabilities, and data corruption may still occur. Where required by applicable mandatory law, we will take reasonable steps to assess, contain, and respond to incidents and to notify affected users.
12. Service Availability
The Service is provided on a best-effort basis. No service level agreement, uptime commitment, response time commitment, recovery time objective, or recovery point objective is offered or implied. Scheduled and unscheduled downtime, maintenance windows, third-party outages, infrastructure failures, and degraded performance may occur without notice. The Service may be unavailable, slow, or non-functional from time to time, and we are not liable for any consequences of such unavailability.
13. Backups and Data Loss
You must keep your own independent copies of all important invoices, quotations, client records, payment records, exported PDFs, and business data. The Service is not your sole archive, accounting record, statutory record, evidential record, or disaster recovery system. We are not responsible or liable for lost profits, lost business, lost revenue, lost goodwill, lost opportunities, regulatory penalties, tax penalties, or any indirect, incidental, consequential, special, exemplary, or punitive loss arising from unavailable, corrupted, deleted, delayed, modified, leaked, or inaccurate data.
14. Third-Party Services
The Service relies on third-party providers for hosting, authentication, email delivery, payment processing, database storage, content delivery, PDF generation, analytics, infrastructure, and related services. A current list of material sub-processors is published at /sub-processors. Their outages, software defects, security incidents, policy changes, pricing changes, service deprecations, or compliance limits may affect the Service. We are not responsible or liable for the acts, omissions, security practices, or service availability of any third-party provider we do not control.
15. Intellectual Property
The Service, including its software, source code, design, layout, brand, name, logos, templates, copy, illustrations, documentation, and underlying technology (excluding Your Content), is owned by, or licensed to, the Service operator and is protected by intellectual property laws. Except for the limited right to use the Service in accordance with these Terms, no other right, title, licence, or interest is granted to you, whether by implication, estoppel, or otherwise. You may not copy, reproduce, frame, mirror, translate, modify, create derivative works of, distribute, sublicense, lease, sell, rent, or commercially exploit any part of the Service, except as expressly permitted by mandatory law or by us in writing.
16. No Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR OWNER, OPERATORS, DEVELOPERS, CONTRACTORS, AGENTS, AND SERVICE PROVIDERS DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, CURRENCY, AVAILABILITY, SECURITY, COMPATIBILITY, INTEROPERABILITY, AND ERROR-FREE OR UNINTERRUPTED OPERATION. NOTHING IN THESE TERMS EXCLUDES OR LIMITS ANY WARRANTY OR LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER MANDATORY APPLICABLE LAW.
17. Limitation of Liability
(a) AGGREGATE CAP. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF INVOFOLIO, ITS OWNER, OPERATORS, DEVELOPERS, CONTRACTORS, AGENTS, AND SERVICE PROVIDERS, FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE FORM OF ACTION (INCLUDING WITHOUT LIMITATION CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTORY LIABILITY, RESTITUTION, INDEMNITY, OR ANY OTHER THEORY), SHALL NOT EXCEED THE LESSER OF (i) THE FEES ACTUALLY PAID BY YOU TO INVOFOLIO IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) FIFTY UNITED STATES DOLLARS (US$50). (b) FREE USERS. IF YOU HAVE NOT PAID ANY FEES, THE AGGREGATE LIABILITY CAP IS ZERO UNITED STATES DOLLARS (US$0), EXCEPT WHERE MANDATORY APPLICABLE LAW REQUIRES OTHERWISE. (c) EXCLUDED DAMAGES. IN NO EVENT WILL ANY PARTY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, LOST DATA, LOST GOODWILL, LOST OPPORTUNITIES, BUSINESS INTERRUPTION, REGULATORY OR TAX PENALTIES, OR COST OF SUBSTITUTE SERVICES, REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. (d) CLAIM WINDOW. ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS MUST BE FILED OR COMMENCED WITHIN TWELVE (12) MONTHS AFTER THE CAUSE OF ACTION ACCRUES, OR SUCH CLAIM IS PERMANENTLY WAIVED, EXCEPT WHERE MANDATORY APPLICABLE LAW PROHIBITS SUCH LIMITATION. (e) ESSENTIAL BASIS. THE LIMITATIONS IN THIS SECTION ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES AND APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. (f) MANDATORY LAW CARVE-OUT. NOTHING IN THIS SECTION EXCLUDES OR LIMITS ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER MANDATORY APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD, DEATH, OR PERSONAL INJURY CAUSED BY NEGLIGENCE WHERE SUCH LIMITATION IS PROHIBITED.
18. Indemnification by You
(a) Scope. You agree to defend, indemnify, and hold harmless Invofolio and its owner, operators, developers, contractors, agents, and service providers (the "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, losses, liabilities, damages, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys’ fees and costs of investigation) arising out of or relating to: (i) your use of the Service; (ii) any information, data, content, invoice, quotation, payment instruction, or communication you create, upload, transmit, store, share, or generate using the Service; (iii) your breach of these Terms; (iv) your violation of any law, regulation, or order; (v) your infringement or alleged infringement of any third party’s intellectual property, privacy, publicity, contractual, or other rights; (vi) any dispute between you and a recipient of an invoice, quotation, public share link, or PDF created using the Service; (vii) any tax, accounting, regulatory, AML, KYC, sanctions, or financial compliance matter relating to your business, your invoices, your clients, or your payments; (viii) any claim that any invoice, quotation, or other output generated through the Service is inaccurate, incomplete, fraudulent, misleading, defamatory, non-compliant, or otherwise unlawful; and (ix) any chargeback, payment dispute, refund demand, or collections matter arising from your invoices or business activity. (b) Procedure. To benefit from this indemnity, the Indemnified Party must give you prompt written notice of the claim, permit you to control the defence and settlement of the claim (provided that no settlement may admit liability, impose any non-monetary obligation, or impose any payment obligation on any Indemnified Party without that party’s prior written consent), and provide reasonable cooperation at your expense. (c) Reservation. The Indemnified Parties reserve the right, at their own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you will fully cooperate. (d) Payment. You will pay any settlement amount you agree to and any final award entered against any Indemnified Party.
19. Force Majeure
No party shall be liable for any delay, failure, or interruption in performance (other than payment obligations) caused by circumstances beyond reasonable control, including without limitation acts of God, natural disaster, fire, flood, typhoon, earthquake, pandemic or epidemic, war, terrorism, civil unrest, governmental action, sanctions or export controls, judicial or regulatory order, labour dispute, internet or telecommunications failure, hosting or cloud provider outage, third-party service disruption, cyberattack, denial-of-service attack, ransomware, or supply-chain interruption.
20. Termination
(a) By you. You may stop using the Service at any time. (b) By us. We may suspend, limit, terminate, or refuse access at any time, with or without notice, where reasonably necessary to protect the Service, comply with law, prevent abuse, respond to a security risk, address a breach of these Terms, respond to a complaint, or in our reasonable discretion. (c) Effect. Upon termination, your right to use the Service ceases. Some information may remain in backups, logs, billing records, audit records, or legal compliance files for a limited period as set out in our Privacy Policy or as required by law. (d) Survival. Sections concerning user obligations, content licences, intellectual property, no warranties, limitation of liability, indemnification, dispute resolution, restricted users, and miscellaneous provisions survive termination.
21. Governing Law
These Terms, the Service, and any non-contractual obligations arising out of or in connection with them, are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People’s Republic of China, without regard to its conflict-of-laws rules and without regard to the United Nations Convention on Contracts for the International Sale of Goods.
22. Dispute Resolution; Binding Arbitration; Class Action Waiver
(a) Good-Faith Negotiation. Before commencing arbitration or any other proceeding, the parties shall attempt to resolve the dispute by good-faith written negotiation for at least thirty (30) days following written notice of the dispute. (b) Binding Arbitration. Any dispute, claim, controversy, or difference arising out of, relating to, or having any connection with these Terms or the Service, including any dispute as to their existence, validity, interpretation, performance, breach, or termination, or any non-contractual obligation arising out of or relating to these Terms or the Service, shall be referred to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules in force when the Notice of Arbitration is submitted. (c) Seat, Language, Tribunal. The seat of arbitration shall be Hong Kong. The language of the arbitration shall be English. The number of arbitrators shall be one (1). (d) Class Action Waiver. ALL CLAIMS MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN CLAIMS OF MORE THAN ONE PERSON. (e) Confidentiality. The existence, conduct, and outcome of any arbitration shall be kept strictly confidential by the parties, except to the extent disclosure is required by law, by a competent regulator, or to enforce an award. (f) Injunctive Relief. Notwithstanding the foregoing, either party may seek interim, conservatory, or injunctive relief from any court of competent jurisdiction to protect intellectual property, confidential information, or to prevent imminent harm, pending the constitution of the arbitral tribunal.
23. Updates to these Terms
We may update these Terms from time to time as the Service, legal requirements, security practices, third-party dependencies, or business model evolve. The updated version will be posted at /terms with a new effective date. Material changes (including changes to fees, dispute resolution, liability, or privacy practices) will be communicated by reasonable means (which may include in-app notice or email to your account email) with reasonable advance notice where practicable. Your continued use of the Service after an update takes effect constitutes your acceptance of the updated Terms. If you do not accept the updated Terms, you must stop using the Service.
24. Miscellaneous
(a) Entire Agreement. These Terms, together with the Privacy Policy and any policies referenced herein, constitute the entire agreement between you and Invofolio with respect to the Service and supersede all prior or contemporaneous agreements, communications, proposals, and understandings. (b) No Agency. Nothing in these Terms creates any agency, partnership, joint venture, employment, fiduciary, or franchise relationship between you and Invofolio. (c) Assignment. We may assign, novate, or transfer these Terms and any rights or obligations hereunder, in whole or in part, including to a corporate successor, affiliate, subsidiary, acquirer, or to a new legal entity established to operate the Service, without notice or consent. You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent, and any purported assignment in violation of this clause is void. (d) Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it valid, legal, and enforceable, or, if it cannot be so modified, severed from these Terms, and the remaining provisions will remain in full force and effect. (e) No Waiver. No failure or delay by either party in exercising any right, power, or remedy will operate as a waiver, nor will any single or partial exercise preclude any other or further exercise. (f) Third-Party Beneficiaries. Except for the Indemnified Parties (which are intended third-party beneficiaries of Section 18), these Terms do not create any third-party beneficiary rights. (g) Notices. We may give you notices by in-app message, by email to your account email, or by posting on the Service. You may give us legal notices via the contact channels referenced at /contact. (h) Headings. Headings are for convenience only and do not affect interpretation. (i) Language. These Terms are written in English. Any translation is provided for convenience only; the English version controls.
25. Contact
General questions about these Terms can be sent through the support contact at /contact. Privacy and data protection requests should be directed to the channels listed in the Privacy Policy at /privacy. If you believe there is a security vulnerability, account compromise, or data exposure, please contact us promptly with sufficient detail to investigate and, where possible, allow reasonable time to respond before public disclosure.