Terms of Service

These terms govern your use of Citofact. The service is intended for businesses — agencies, studios and freelancers — not consumers.

1. The service

Citofact provides software that lets you create, send, and track invoices, and get paid by bank transfer to your own account or — optionally — by card through your own Stripe account. We do not handle funds; payments flow directly from your clients to you.

2. Your account

You are responsible for keeping your account credentials secure and for all activity under your account. You agree to provide accurate company and contact information and to update it when it changes.

3. Acceptable use

You may not use Citofact to send fraudulent invoices, harass recipients, or violate applicable law. We may suspend accounts that we reasonably believe are in violation.

4. Fees

Citofact charges no platform fee on your invoices. Bank-transfer payments carry no processing fee at all; where you enable card payments, Stripe's own processing fees apply per Stripe's pricing. We may introduce subscription plans in the future; existing accounts will receive at least 30 days' notice before any pricing change.

5. Data ownership and data protection

You retain ownership of all data you upload — invoices, client lists, branding assets. We process that data only to provide the service to you. Where we process personal data of your own customers on your behalf, we do so as your processor under our Data Processing Agreement, which forms part of these terms.

6. Termination

You may close your account at any time. Upon closure, your data is exported on request and deleted within 30 days. We may terminate accounts that violate these terms with reasonable notice except in cases of abuse.

7. Availability and warranty

We provide the service with reasonable care and skill but do not warrant that it will be uninterrupted or error-free. Statutory warranty rights are not excluded by this section. We may carry out maintenance and will give reasonable notice of planned downtime where practicable.

8. Liability

We are liable without limitation for damages arising from intent or gross negligence, from injury to life, body or health, under mandatory product-liability law, and to the extent we have given a guarantee.

Otherwise, to the fullest extent permitted by applicable law, we are not liable for indirect or consequential loss, lost profits, lost revenue, or lost data; and our liability for direct damage is limited to loss that was reasonably foreseeable. Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law.

9. Changes to these terms

We may update these terms as the service evolves. We will give existing accounts at least 30 days' notice of material changes; continued use after they take effect means you accept them.

10. Governing law and venue

These terms are governed by the laws of the Republic of Latvia. The exclusive place of jurisdiction for disputes is the competent court in Riga, Latvia. Any mandatory consumer- protection rules of your country of residence remain unaffected.

11. Severability

If any provision of these terms is or becomes invalid, the remaining provisions stay in effect.

12. Contact

Questions about these terms? Email legal@citofact.com.