1. Acceptance of these Terms

By accessing or using bill.i.ng (the “Service”), through our web site or our iOS and Android apps, you agree to these Terms of Service. If you are using the Service on behalf of a business, you represent that you have authority to bind that business. If you do not agree, please do not use the Service.

2. What the Service does

bill.i.ng is a cloud-based billing and invoicing platform for small businesses. Features include invoice creation and sending, customer and vendor records, expense tracking, quote generation, reporting, team collaboration, and (on paid plans) purchase orders, vendor bills, credit notes, and time tracking. We add, remove, and improve features over time; we will give you reasonable notice before removing any feature central to your use.

3. Account registration and security

You must provide accurate information when creating an account and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us at [email protected] immediately if you suspect unauthorised access.

4. Free and paid plans

The Service has a free “Starter” plan with unlimited invoices, customers, and products, and optional paid plans (Pro and Business) for advanced features. The full plan matrix is on our pricing page and is also returned by the /api/plans endpoint, which we treat as the source of truth.

Paid plans are billed through our web site only. No subscription is sold through the Apple App Store or Google Play Store — we do not use in-app purchase. Monthly plans renew each month; annual plans renew each year. You can change or cancel your plan at any time in Settings → Subscription. Prorated refunds are not provided for mid-cycle cancellations. Fees are charged in NGN for Nigerian customers and CAD for Canadian customers unless otherwise agreed.

We may change prices with at least 30 days' notice. Changes apply to your next billing cycle; active paid periods are honoured at the existing rate.

5. Your data and content

You own the content you input into the Service (invoices, customer records, uploaded files). By using the Service you grant us a limited licence to process and display that content solely to operate the Service for you. We do not sell, share, or use your content for advertising. See our Privacy Policy for details.

You are responsible for ensuring you have the right to upload and process the personal data of your own customers, vendors, and team members through the Service, and for complying with applicable data protection law (including NDPA in Nigeria, PIPEDA in Canada, and GDPR/UK GDPR where relevant).

6. Acceptable use

You agree not to use the Service to: (a) violate any law or regulation; (b) send spam, phishing content, or unsolicited marketing; (c) upload malware or attempt to interfere with the Service; (d) reverse engineer or scrape the Service; (e) issue fraudulent invoices or misrepresent your business; or (f) infringe any intellectual property right. We may suspend or terminate your account for material violations.

7. Third-party services and payments

When you send a customer a Paystack-enabled invoice, payment processing is handled by Paystack on their infrastructure under their own terms. We pass only the amount, reference, and invoice ID to Paystack; your customer interacts with Paystack's checkout, not ours. bill.i.ng is not a payment processor and does not hold your or your customers' funds.

8. Termination and account deletion

Either party may terminate at any time. You can delete your account from within the app (Settings → Delete account) or on the web at bill.i.ng/account/delete. On deletion we remove your data within 30 days, except for records we are legally required to retain (for example, Nigerian tax law requires retention of transactional records for 6 years). You may export your data before termination at any time via Settings → Export. We may suspend or terminate your access if you materially breach these Terms or if required by law.

9. Warranties and liability

We provide the Service “as is”. To the fullest extent permitted by law, we disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Service will be uninterrupted, error-free, or free from security incidents.

Our total aggregate liability arising out of or relating to these Terms or the Service shall not exceed the fees you paid us in the 12 months preceding the claim (or ₦20,000 / CA$50 if you are on the free plan). In no event shall we be liable for indirect, incidental, special, or consequential damages, loss of profit, loss of business opportunity, or loss of data that we can reasonably avoid.

Nothing in these Terms limits any non-excludable statutory warranty you have as a consumer under Nigerian, Canadian, or other applicable law.

10. Indemnity

You agree to indemnify us against any claim brought by a third party arising out of your misuse of the Service, your content, or your violation of these Terms or of applicable law.

11. Changes to these Terms

We may update these Terms. For material changes we will notify you by email or an in-app banner at least 30 days before they take effect. The “Last updated” date at the top of this page reflects the most recent revision.

12. Governing law and disputes

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with the Service shall first be addressed by good-faith negotiation; if unresolved after 30 days, it shall be referred to the exclusive jurisdiction of the courts of Lagos State, Nigeria. For Canadian users, nothing in this section deprives you of your right to bring a small-claims court action in your province of residence.

13. Contact

Questions about these Terms? Email [email protected]. For product support, see bill.i.ng/support.