Terms of Service

These Terms of Service (the “Terms”) govern your access to and use of the Billingz software service, including the web and mobile application and any related features (together, the “Service”). The Service is operated by Billingz EOOD (Билингз ЕООД), a single-owner limited liability company registered in Bulgaria.

Legal name: Billingz EOOD (Билингз ЕООД)
Registered office: Vranya Str. 32, fl. 4, ap. 11, Sofia 1233, Bulgaria
Company ID (EIK / UIC): 208766693
VAT number: BG208766693
Registry: Commercial Register of the Republic of Bulgaria
Contact: support@billingz.com

In these Terms, “Billingz”, “we”, “us”, and “our” refer to Billingz EOOD. “You” and “your” refer to the person or entity that creates an account or uses the Service. By creating an account, subscribing to a paid plan, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

Billingz is a software service that helps freelancers and micro-businesses create and send invoices, record expenses, and see a clearer picture of their cash position, runway, and payment risk. Its purpose is operational visibility and control.

Billingz is not accounting or bookkeeping software, not a tax-filing service, not a bank or payment institution, and not a provider of legal, tax, accounting, or financial advice. It is designed to work alongside your accountant, not to replace one.

Specific limitations you acknowledge:

• Billingz does not file VAT, taxes, or any return on your behalf. Any VAT reserve, tax reserve, or similar figure shown in the Service is informational only and is an estimate based on the data you enter.
• Runway, cash-clarity, risk indicators, predictive insights, and payment-risk alerts are estimates generated from the data you enter and from general patterns. They are not guarantees, not financial advice, and must not be relied on as the sole basis for any financial, tax, or business decision.
• VAT rates and invoice content are selected and entered by you. You are responsible for the legal accuracy and completeness of every invoice you create or send using the Service, including compliance with the invoicing rules of your country.
• You remain solely responsible for your own legal, tax, and accounting compliance.

You must be at least 18 years old and able to enter into a binding contract to use the Service. Billingz is intended for people acting in a professional or business capacity.

When you create an account, you agree to provide accurate information and to keep it up to date. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Tell us promptly at support@billingz.com if you believe your account has been accessed without authorisation.

The Service is offered in four plans. Each higher plan includes everything in the plans below it. Current plans and prices are:

• Free - €0. Limited use, including a cap on the number of invoices per month.
• Core - €9 per month. Unlimited invoices and expenses, client management, and basic reports.
• Control - €17 per month. Adds cash-clarity, runway insights, and risk indicators.
• SafeGuard - €29 per month. Adds predictive insights, payment-risk alerts, and behaviour patterns.

Paid plans are billed monthly or annually, depending on the billing cycle you choose at checkout. Prices are shown exclusive or inclusive of VAT as indicated at checkout, and applicable VAT will be added or shown in accordance with law.

We may change plans, features, limits, and prices. If we change the price of a plan you are subscribed to, we will give you reasonable advance notice, and the new price will apply from your next renewal. We may also add, modify, or discontinue features; where a change materially reduces the core functionality of a paid plan, you may cancel as described below.

Payments are processed by our third-party payment processor (currently Stripe; additional processors may be added). We do not store your full card details; these are handled by the payment processor under its own terms and security standards.

Paid subscriptions renew automatically at the end of each billing period (monthly or annually) at the then-current price, until you cancel. By subscribing, you authorise us and our payment processor to charge the applicable fee to your chosen payment method on each renewal date.

If a payment fails, we may retry the charge and may suspend or downgrade your access to paid features until payment succeeds. You are responsible for keeping a valid payment method on file.

Upgrades take effect immediately on successful payment. Where you upgrade mid-period, we may charge a prorated amount or apply the new plan from the next cycle, as shown at checkout.

Downgrades take effect at the end of your current billing period, not mid-period. You keep access to the higher plan’s features until the period ends, after which the lower plan applies.

Cancellation stops the next automatic renewal. You keep access to your paid plan until the end of the period you have already paid for. We do not charge you again after you cancel, unless you resubscribe.

You can cancel at any time from within the Service. We will provide a clear in-product way to cancel your subscription and, where required by law, to exercise your withdrawal right (see Section 8).

The Free plan is offered at no charge and is subject to usage limits that we may set and change, including a monthly cap on invoices. The Free plan is provided “as is” and we may modify or discontinue it at any time. The Free plan is not a trial of the paid plans; paid features are described above and require a paid subscription.

If you are a consumer in the European Union, you have a statutory right to withdraw from a distance contract within 14 days of concluding it, without giving any reason, under the EU Consumer Rights Directive as implemented in Bulgaria by the Consumer Protection Act (Закон за защита на потребителите). For a subscription, this 14-day period starts on the day you enter into the paid contract.

Because the Service is supplied digitally and you will normally want immediate access, the following applies:

• At checkout you will be asked to expressly request that the Service begins immediately and to acknowledge that, by doing so, you will lose your full right of withdrawal once the Service has been fully performed, and that for a subscription you may be charged a proportionate amount for the period already used if you withdraw during the 14 days. This consent is given by ticking a box that is not pre-ticked.
• If you withdraw within 14 days and have not used the Service, you will not be charged, or you will be refunded in full.
• If you withdraw within 14 days after the Service has begun at your request, we may retain or charge an amount proportionate to the use you have had up to the moment you withdraw.
• After the 14-day period, paid fees are generally non-refundable for the remainder of a billing period. Cancellation stops future renewals but does not refund the current period, except where required by law.

To exercise your withdrawal right, use the in-product cancellation/withdrawal function or contact support@billingz.com. We will confirm receipt and provide confirmation on a durable medium (such as email).

The Service lets you enter and store data, including invoices, expenses, client details, and other business and financial information (“Your Content”). As between you and us, Your Content belongs to you. You grant us a limited licence to host, process, and display Your Content only as needed to provide and improve the Service and as described in our Privacy Policy.

You are responsible for the accuracy and lawfulness of Your Content, including that you have the right to enter any personal data about your clients or third parties and to have it processed through the Service.

Our handling of personal data is described in our Privacy Policy. Billingz EOOD acts as data controller for the personal data of its account holders, and as data processor for personal data that you enter about your own clients. Where we act as your processor, a Data Processing Agreement governs that relationship. You can export Your Content and request deletion as described in the Privacy Policy and in line with the GDPR.

You agree not to:

• Use the Service for any unlawful, fraudulent, or misleading purpose, including issuing false or fraudulent invoices.
• Attempt to access accounts, data, or systems that are not yours, or interfere with or disrupt the security or operation of the Service.
• Reverse-engineer, decompile, copy, or attempt to derive the source code of the Service, except to the extent this restriction is prohibited by law.
• Resell, sublicense, or provide the Service to third parties as a service bureau without our written agreement.
• Use automated means to extract data from the Service beyond normal use, or use the Service to send spam or harvest contacts.

We may suspend or terminate access for serious or repeated breaches, as described in Section 13.

The Service, including its software, design, text, graphics, and logos, is owned by Billingz EOOD or its licensors and is protected by intellectual-property law. The “Billingz” name and logo are trademarks of Billingz EOOD; the Billingz word mark is registered as European Union Trade Mark No. 019289324. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service for your own business purposes during your subscription, subject to these Terms.

The Service is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we do not warrant that the Service will be uninterrupted, error-free, or that any estimate, figure, or insight it produces is accurate or fit for a particular purpose.

To the maximum extent permitted by law, Billingz EOOD is not liable for any indirect, incidental, or consequential loss, or for lost profits, lost revenue, missed tax or payment deadlines, penalties, or business decisions made in reliance on the Service. Our total aggregate liability arising out of or relating to the Service is limited to the amount you paid us for the Service in the 12 months before the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including liability for death or personal injury caused by negligence, for fraud, or any statutory rights you have as a consumer.

You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access if you materially breach these Terms, if required by law, or to protect the Service or other users. Where reasonable and lawful, we will give you notice and an opportunity to fix the problem first.

On termination, your right to use the Service ends. We will make Your Content available for export for a reasonable period and will then delete or anonymise it in line with our Privacy Policy and our legal retention obligations.

We may update these Terms as the Service evolves or as legal requirements change. The “Last updated” date at the top reflects the most recent version. For material changes that affect your rights, we will give reasonable notice, for example by email or in-product notice. If you continue to use the Service after changes take effect, you accept the updated Terms; if you do not agree, you may cancel.

These Terms are governed by the laws of the Republic of Bulgaria, without regard to conflict-of-law rules. The courts of Bulgaria have jurisdiction over any dispute, except that, if you are a consumer, you keep the protection of the mandatory laws and the right to bring proceedings in the courts of your country of residence where the law gives you that right.

EU consumers may also use the European Commission’s Online Dispute Resolution platform at ec.europa.eu/consumers/odr, and may lodge complaints about data protection with the Bulgarian Commission for Personal Data Protection (КЗЛД) at www.cpdp.bg.

Questions about these Terms can be sent to:

Billingz EOOD
Vranya Str. 32, fl. 4, ap. 11, Sofia 1233, Bulgaria
Email: support@billingz.com