Terms of Service

1. Acceptance of Terms

Welcome to Billvate ("Service"), operated by Stackvate Inc. ("Company," "we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations.

If you do not agree with any part of these Terms, you must not use our Service. Your continued use of the Service following the posting of changes to these Terms constitutes your acceptance of those changes.

2. Eligibility Requirements

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Service under applicable laws
• Not be located in, or a resident of, any country subject to comprehensive U.S. sanctions
• Not be listed on any U.S. government sanctions list, including the OFAC SDN List
• Not represent or work for any entity on U.S. sanctions lists

Geographic Restrictions

Our Service is not available to users in the following sanctioned countries and regions:

• Cuba
• Iran
• North Korea
• Syria
• Crimea region of Ukraine
• Donetsk People's Republic
• Luhansk People's Republic

3. Description of Service

Billvate provides an online invoice generation and management platform that enables users to:

• Create, edit, and manage professional invoices
• Store and manage client information
• Generate PDF invoices for download and sharing
• Set up recurring invoices for regular billing
• Accept online payments through integrated payment processors
• Track payment status and send reminders
• Provide clients with a portal to view and pay invoices

The Service is provided on a subscription basis with free and paid tiers. Features and limitations vary by subscription plan.

4. User Accounts

4.1 Registration

To access most features of the Service, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

4.2 Account Verification

We may require you to verify your identity or business information at any time. Failure to provide requested verification may result in account restrictions or termination.

4.3 One Account Per Person/Entity

Each individual or business entity may maintain only one account. Creating multiple accounts to circumvent restrictions or limitations is prohibited.

5. Subscriptions & Billing

5.1 Subscription Plans

5.2 Online Payment Processing Fee

When you use Billvate's online payment link feature to accept payments from your clients, an application fee of 1% is applied to each transaction. This fee is in addition to any payment processor fees (such as Stripe's standard processing fees).

• Application Fee: 1% of the transaction amount
• Payment Processor Fee: Standard Stripe fees (approximately 2.9% + $0.30 per transaction)
• Fee Deduction: Fees are automatically deducted from the payment before transfer to your connected account

Example: For a $100 invoice paid via online payment link, approximately $3.20 in fees would be deducted (1% application fee + Stripe processing fee), and you would receive approximately $96.80.

5.3 Subscription Billing

Paid subscriptions are billed in advance on a recurring basis (monthly or annually). By subscribing, you authorize us to charge your payment method for the applicable fees.

5.4 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. We offer a 30-day money-back guarantee for new paid subscriptions.

5.5 Refunds

Refunds are available within 30 days of initial purchase or upgrade. Refunds are not available for:

• Accounts terminated for Terms violations
• Subscriptions active for more than 30 days
• Partial billing periods

6. Acceptable Use Policy

Our Service is designed for legitimate business invoicing purposes. You agree to use the Service only for lawful purposes and in accordance with these Terms.

For detailed information about acceptable and prohibited uses, please review our Acceptable Use Policy.

6.1 Lawful Use

You may only use the Service for invoicing related to legal products and services. All invoices must accurately represent actual goods or services provided.

6.2 Accurate Information

All information you enter into the Service, including client details and invoice items, must be accurate and not misleading or fraudulent.

7. Prohibited Activities

7.1 Prohibited Business Categories

The Service may not be used for invoicing related to:

• Illegal drugs or controlled substances
• Weapons, firearms, or ammunition
• Adult entertainment or pornography
• Gambling or betting services (unlicensed)
• Cryptocurrency or unregistered securities
• Terrorist financing or money laundering
• Human trafficking or exploitation
• Counterfeit goods or intellectual property infringement

For a complete list, see our Prohibited Businesses page.

7.2 Prohibited Actions

You may not:

• Use the Service for fraudulent invoicing or fake billing
• Create invoices for goods or services not actually provided
• Impersonate another person or business
• Attempt to circumvent our security or compliance measures
• Use VPNs, proxies, or Tor to hide your location
• Access the Service from sanctioned countries
• Share your account credentials with others
• Automate access to the Service without permission
• Reverse engineer or copy any part of the Service

8. Compliance Requirements

8.1 Regulatory Compliance

You agree to comply with all applicable laws and regulations, including:

• U.S. sanctions laws and OFAC regulations
• Anti-money laundering (AML) laws
• Know Your Customer (KYC) requirements
• Tax reporting and withholding requirements
• Consumer protection laws
• Data protection and privacy laws

8.2 Business Verification

We may request documentation to verify your business, including:

• Government-issued identification
• Business registration documents
• Proof of address
• Tax identification numbers

8.3 Record Keeping

You are responsible for maintaining accurate records of your invoicing activities. We retain compliance-related records for 7-10 years as required by law.

9. User Content

9.1 Ownership

You retain ownership of all content you create using the Service, including invoices, client information, and business data.

9.2 License Grant

By using the Service, you grant us a limited license to store, process, and display your content solely for the purpose of providing the Service.

9.3 Content Scanning

We use automated systems to scan invoice content for prohibited keywords and activities. This is necessary to maintain the integrity of our Service and comply with legal requirements.

9.4 Content Restrictions

Your content must not contain:

• References to prohibited goods or services
• Fraudulent or misleading information
• Content that violates third-party rights
• Malware, viruses, or harmful code

10. Intellectual Property

The Service and its original content, features, and functionality are owned by Stackvate Inc. and are protected by international copyright, trademark, and other intellectual property laws.

10.1 Trademarks

"Billvate," "Stackvate Inc.," and associated logos are trademarks of Stackvate Inc.. You may not use these marks without our prior written consent.

10.2 Restrictions

You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.

11. Monitoring & Enforcement

11.1 Automated Monitoring

We use automated systems to monitor the Service for:

• Prohibited keywords in invoice content
• Suspicious activity patterns
• Sanctions list matches
• Geographic access from restricted regions
• VPN, proxy, or Tor usage

11.2 Manual Review

Flagged accounts are subject to manual review by our compliance team. We may contact you to request additional information or clarification.

11.3 Enforcement Actions

Depending on the severity of violations, we may:

• Issue a warning
• Temporarily restrict account features
• Suspend your account pending review
• Permanently terminate your account
• Report violations to law enforcement

12. Account Suspension

12.1 Grounds for Suspension

We may suspend your account for:

• Suspected violation of these Terms
• Compliance review pending verification
• Suspicious activity requiring investigation
• Failure to respond to verification requests
• Payment disputes or chargebacks

12.2 During Suspension

While suspended:

• You cannot access the Service or create invoices
• Existing invoices remain accessible to clients
• Recurring invoices are paused
• You retain the right to export your data

12.3 Suspension Duration

Suspensions may last from 24 hours to indefinitely, depending on the nature of the issue. We will notify you of the suspension reason and expected timeline.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting support or using the account deletion feature. We recommend exporting your data before termination.

13.2 Termination by Us

We may terminate your account immediately and without prior notice for:

• Confirmed violation of these Terms
• Fraudulent or illegal activity
• SDN list matches confirmed
• Access from sanctioned countries
• Repeated Terms violations after warnings

13.3 Effect of Termination

Upon termination:

• Your access to the Service will be immediately revoked
• No refunds will be provided for Terms violations
• Your data will be deleted within 90 days (unless legally required to retain)
• Compliance records may be retained for 7-10 years

14. Appeals Process

14.1 Right to Appeal

If your account is suspended or terminated, you have the right to appeal the decision within 14 days of receiving notice.

14.2 How to Appeal

To submit an appeal:

1. Email support@billvate.com with subject "Account Appeal"
2. Include your account email address
3. Provide a detailed explanation of why you believe the action was in error
4. Attach any supporting documentation

14.3 Appeal Review

Appeals are reviewed by our compliance team within 5-10 business days. We may request additional information during the review process.

14.4 Appeal Outcomes

Possible outcomes include:

• Appeal Approved: Account restored with any restrictions lifted
• Appeal Partially Approved: Account restored with ongoing restrictions
• Appeal Denied: Original decision upheld

14.5 Final Decision

Appeal decisions are final. However, you may request a secondary review if new evidence becomes available.

15. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF CONTENT

We do not warrant that the Service will be uninterrupted, secure, or error-free.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACKVATE INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING:

• Loss of profits or revenue
• Loss of data or business interruption
• Damages arising from account suspension or termination
• Any other damages arising from your use of the Service

Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

17. Indemnification

You agree to indemnify, defend, and hold harmless Stackvate Inc., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit through the Service

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions.

Any disputes arising from these Terms or the Service shall be resolved exclusively in the federal or state courts located in New York.

19. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Email notification to your registered email address
• Prominent notice on the Service
• Updating the "Last Updated" date

Your continued use of the Service after changes are posted constitutes your acceptance of the modified Terms.

20. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: support@billvate.com
• Website: https://billvate.com
• Compliance Inquiries: compliance@billvate.com