Terms of Service

These terms govern your use of invoiqo (the "Service"), operated by invoiqo ("we", "us"). By creating an account or using the Service you agree to them on behalf of yourself and the business you register ("you").

1. The Service

invoiqo is online software for billing, GST invoicing, inventory, payments and bookkeeping for businesses in India. It is offered as a subscription through the web, the desktop app and our API.

2. Your account

• You must give accurate business details, including your GSTIN and state, and keep them up to date.
• You are responsible for everyone you add to your account and for the permissions you give them, and for keeping passwords and API tokens secret.
• Tell us immediately at hello@app.invoiqo.in if you suspect unauthorised access.

3. Your data

The business records you enter or import (customers, products, invoices, payments, accounts) belong to you. You give us permission to store and process them only to provide the Service. You can export all of your data at any time from Settings → Data & privacy. Our handling of personal data is described in the Privacy Policy.

4. Tax compliance

The Service calculates GST and prepares returns, e-invoice data and reports from the information you enter. You remain responsible for the correctness of your invoices, filings and payments to the tax authorities, and for checking figures before you file. The Service is not tax or legal advice.

5. AI features

Optional AI features (such as reading supplier bills, suggesting HSN codes, drafting reminders and answering questions about your data) produce suggestions that may be wrong. Nothing is saved or sent until you review and confirm it. You can turn AI features off in Settings.

6. Subscription and payment

• New accounts start with a free trial. After the trial, continued use needs a paid plan or the free plan where offered.
• Paid plans renew automatically each month or year through our payment partner Razorpay until you cancel. Prices are shown in Indian Rupees and include or add GST as stated on the plan.
• You can cancel at any time in the app; you keep access until the end of the period you have paid for. Refunds are covered by the Refund Policy.
• If a renewal payment fails, we may give a short grace period and then limit your account to read-only access until payment is made.

7. Acceptable use

You must not use the Service to break the law (including issuing false invoices or evading tax), to send spam, to access other businesses' data, to probe or overload our systems, or to resell the Service without our written permission.

8. Availability and changes

We aim to keep the Service available and backed up, but it is provided "as is" without a guarantee of uninterrupted operation. We may improve or change features; we will give reasonable notice of changes that materially reduce what your paid plan includes.

9. Liability

To the extent the law allows, we are not liable for indirect or consequential losses (such as lost profit, penalties or interest), and our total liability for any claim is limited to the fees you paid us in the twelve months before it arose.

10. Suspension and closing your account

We may suspend accounts that breach these terms or endanger other users. You may close your account at any time from Settings; we keep your records only for as long as the law requires (see the Privacy Policy) and then delete them.

11. Law and disputes

These terms are governed by the laws of India. Courts at Kolkata, West Bengal have exclusive jurisdiction.

12. Contact

invoiqo. Email hello@app.invoiqo.in.