Terms of Service

These Terms of Service ("Terms") are a binding agreement between you and invoices.mt ("invoices.mt", "we", "us") and govern your access to and use of the invoices.mt website, applications and services (together, the "Service"). By creating an account or using the Service you agree to these Terms. If you are using the Service for an organisation, you confirm you are authorised to accept these Terms on its behalf.

1. The Service

invoices.mt is a cloud invoicing and bookkeeping tool built for Maltese freelancers and businesses. It helps you create invoices, quotes and receipts, apply Maltese VAT, track expenses, generate reports and accept payments online. We provide software and automation tools. We are not an accountant, tax adviser, auditor or law firm, and the Service does not constitute accounting, tax or legal advice.

You are responsible for the accuracy, legality and tax treatment of every document you issue. You must confirm VAT rates, exemptions, registration details and filing obligations with a qualified accountant or the Office of the Commissioner for Revenue where appropriate. We provide compliance helpers (sequential numbering, VAT calculations, required-field checks) to assist you, but you remain the issuer of record for your documents.

2. Eligibility and accounts

• You must be at least 18 years old and able to enter into a binding contract.
• You are responsible for the information you provide, for keeping your login credentials secure, and for all activity under your account.
• You must notify us promptly at support@invoices.mt of any unauthorised use of your account.
• Workspaces may have multiple members. The workspace owner is responsible for managing members, roles and the resulting billing.

3. AI features

The Service can generate draft invoices, quotes and line items from your text or uploaded files using third-party AI models. AI output can contain errors or omissions. It is provided as a starting point only, and you must review every AI-generated document for accuracy before sending or relying on it. You are responsible for the final content of anything you send. We do not warrant that AI output is correct, complete or fit for a particular purpose.

4. Plans, billing and fees

• Subscriptions. Paid plans (Pro, Business, Agency) are billed in advance on a monthly or yearly basis through our payment processor, Stripe. Subscriptions renew automatically for the same period until cancelled. You can cancel at any time from Plan & billing; your plan stays active until the end of the paid period.
• Team seats. The Business plan includes 3 seats. Additional seats are billed at EUR 8 per seat per month (or the annual equivalent), added to your subscription on a pro-rated basis when you add or remove members.
• Online-payment application fee. When you accept card payments through the Service, we charge an application fee on each successful payment: 2% on the Free plan and 0.5% on paid plans. This is in addition to Stripe's own processing fees, which are set and charged by Stripe.
• Taxes. Fees are exclusive of any applicable VAT or taxes, which will be added where required.
• Refunds. Refunds are governed by our Refund Policy.

We may change our prices or plan features. We will give you reasonable notice of any increase that affects you, and changes take effect from your next billing period.

5. Online payments and Stripe

Online card payments are processed by Stripe through a connected Stripe account that you create and control. For payments on your invoices you are the merchant of record: funds are paid directly into your Stripe account, you are responsible for Stripe's processing fees, refunds and chargebacks, and your use of Stripe is subject to the Stripe Connected Account Agreement. We never see or store full card numbers. We collect only the application fee described above. Our application fee is earned when a payment succeeds and is non-refundable: if you later refund a payment to your customer, the fee is not returned and remains payable by you, and any dispute or chargeback between you and your customer does not affect it.

6. Acceptable use

You agree not to use the Service to: break any law or tax obligation; issue false, fraudulent or misleading invoices; infringe anyone's rights; upload malware; attempt to gain unauthorised access to the Service or other users' data; resell or scrape the Service without our permission; or place unreasonable load on our infrastructure. We may suspend accounts that we reasonably believe are being used in breach of these Terms.

7. Your data and content

You retain ownership of the data and content you put into the Service (your business details, clients, invoices, expenses and uploads). You grant us a limited licence to host, process and display that content solely to provide and improve the Service. How we handle personal data is described in our Privacy Policy and GDPR notice. You can export your data at any time and request deletion as set out there.

8. Intellectual property

The Service, including its software, design, brand and content (excluding your data), is owned by invoices.mt and protected by intellectual-property laws. We grant you a non-exclusive, non-transferable right to use the Service while your account is active. You may not copy, modify, reverse-engineer or create derivative works from the Service except as permitted by law.

9. Availability and changes

We work to keep the Service available and reliable but do not guarantee uninterrupted access. We may modify, add or remove features, and may carry out maintenance that temporarily affects availability. We will try to give notice of material changes that adversely affect you.

10. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access if you materially breach these Terms, fail to pay, or use the Service unlawfully. On termination your right to use the Service ends; you may export your data beforehand, and we will retain or delete remaining data as described in the Privacy Policy.

11. Disclaimers

The Service is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, whether express or implied, including fitness for a particular purpose and that the Service or its outputs (including VAT calculations and AI suggestions) are error-free or compliant for your specific situation. Nothing in these Terms excludes liability that cannot be excluded under Maltese or EU law, including your statutory rights as a consumer.

12. Limitation of liability

To the maximum extent permitted by law, invoices.mt will not be liable for indirect, incidental, special or consequential damages, loss of profits, revenue, data or goodwill, or for tax penalties, interest or losses arising from documents you issue. Our total aggregate liability arising out of or relating to the Service is limited to the greater of (a) the amount you paid us for the Service in the 12 months before the event giving rise to the claim, or (b) EUR 100.

13. Indemnity

You agree to indemnify and hold invoices.mt harmless from claims, losses and expenses arising from your content, your use of the Service, your breach of these Terms, or your failure to meet your tax, invoicing or legal obligations.

14. Governing law

These Terms are governed by the laws of Malta. The courts of Malta have exclusive jurisdiction over any dispute, without prejudice to any mandatory consumer-protection rights you have in your country of residence.

15. Changes to these Terms

We may update these Terms from time to time. If a change is material we will give reasonable notice (for example by email or in-app). Continued use of the Service after a change takes effect means you accept the updated Terms.

16. Contact

Questions about these Terms: support@invoices.mt. Sales and partnership enquiries: sales@invoices.mt.