Effective Date: 06.05.2026
Service Provider: Billingo Technologies Closed Company Limited by Shares (Billingo Technologies Zrt.)
These Terms of Service (the "Agreement" or "TOS") constitute a legally binding agreement between Billingo Technologies CPLC (registered as Billingo Technologies Zrt. in Hungary; hereinafter: "Provider", "we", or "us") and the person or entity (the "User" or "you") accessing or using the "Billingo" cloud-based software service via https://billingo.com/en-ae (the "Service") within the United Arab Emirates (UAE).
By registering for an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement and the Operating Manual available on our website.
1. DEFINITIONS
"Service" means the "Billingo" cloud-based SaaS platform, including all modules, features, and updates provided via the Website.
"Website" means https://billingo.com/en-ae and its subdomains.
"Operating Manual" means the document(s) published on the Website describing the technical specifications, functional modules, and service levels of the Software.
"User Content" means any data, information, or material (including financial records) uploaded or entered into the Service by the User.
"Subscription Plan" means the specific set of features and pricing options selected by the User.
2. SERVICE PROVISION AND OPERATING MANUAL
2.1. The Operating Manual: The functional and technical content of the Service is defined by the Operating Manual published on the Website. The Operating Manual is an integral part of this TOS. The Provider reserves the right to update the Operating Manual as the Service evolves.
2.2. Integration: In case of conflict between this TOS and the Operating Manual, the TOS shall prevail regarding legal and business terms, while the Operating Manual shall prevail regarding technical specifications and software functionality.
2.3. No Professional Advice: Billingo is a technical tool. The Provider does NOT provide accounting, tax, or legal advice. The User is solely responsible for ensuring that their use of the Service complies with UAE tax laws and accounting standards.
3. FEES AND PAYMENT
3.1. Payment Processors: Payments for the Service are processed via Stripe or other third-party payment service providers integrated into the platform. By using these services, you agree to their respective terms and conditions.
3.2. Promotional Period: The Provider may offer a free "Promotional Period" at its sole discretion. Upon the expiration of this period, continued use of the Service is subject to the payment of the then-current subscription fees in AED (or other specified currency).
3.3. Changes in Fees: The Provider will notify the User at least 15 days prior to any changes in pricing or the introduction of fees following a Promotional Period.
4. INTELLECTUAL PROPERTY RIGHTS
4.1. Ownership: The Provider (and its licensors) retains all rights, title, and interest in and to the Service, including the software, source code, algorithms, design, documentation (including the Operating Manual), and all trademarks.
4.2. Limited License: Subject to compliance with this TOS, the Provider grants the User a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for internal business purposes during the subscription term.
4.3. Restrictions: The User shall not: (i) decompile or reverse engineer the software; (ii) sub-license or resell the Service; (iii) use the Service to build a competing product.
5. DATA STORAGE AND PRIVACY
5.1. Data Sovereignty: The Provider processes data in accordance with its Privacy Policy.
5.2. Data Location: User data and backups are stored on secure cloud servers located in Mumbai, India. By using the Service, the User consents to the transfer and storage of data in this location.
5.3. User Backup: While the Provider performs regular backups, the User is solely responsible for maintaining independent copies of their business data (e.g., via the Service’s export functions).
6. DISCLAIMER OF WARRANTIES
6.1. "As-Is" Basis: The Service is provided on an "as-is" and "as-available" basis. To the maximum extent permitted by law, the Provider expressly disclaims all warranties, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
6.2. No Guarantee: The Provider does not warrant that the Service will be uninterrupted, error-free, or completely secure, or that the Service will meet the User's specific tax or legal requirements in the UAE.
7. LIMITATION OF LIABILITY
7.1. Exclusion of Damages: In no event shall the Provider be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, business interruption, or reputational harm, arising out of or in connection with the use or inability to use the Service.
7.2. Liability Cap: The total aggregate liability of the Provider for any claim arising out of this Agreement, regardless of the form of action, shall not exceed the total amount paid by the User to the Provider for the Service in the twelve (12) months preceding the event giving rise to the claim.
7.3. Free Service: During any promotional or free trial period, the Provider’s liability is excluded to the fullest extent permitted by law.
7.4. Statutory Exceptions: Nothing in this TOS shall exclude or limit liability for death, personal injury caused by negligence, or for fraud or willful misconduct, in accordance with the mandatory provisions of the Hungarian Civil Code (Ptk. 6:152. §) or applicable UAE law.
8. INDEMNIFICATION
The User agrees to indemnify, defend, and hold harmless the Provider and its officers, directors, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of: (i) the User’s breach of this Agreement; (ii) the User Content; or (iii) the User’s violation of any applicable laws or third-party rights.
9. FORCE MAJEURE
The Provider shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargos, acts of civil or military authorities, fire, floods, accidents, strikes, or failures of public utilities or third-party internet service providers.
10. TERMINATION
10.1. By User: The User may terminate the Agreement at any time by deleting their account and ceasing use of the Service.
10.2. By Provider: The Provider may suspend or terminate access immediately if the User breaches this TOS, the Operating Manual, or any applicable UAE law, or if the Provider decides to cease offering the Service in the region.
11. GOVERNING LAW AND JURISDICTION
11.1. Governing Law: This Agreement shall be governed by and construed in accordance with the Federal Laws of the United Arab Emirates and the laws of the Emirate of Dubai.
11.2. Dispute Resolution: Any dispute arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the Dubai International Financial Centre (DIFC) Courts (including the Small Claims Tribunal, where applicable).
12. MISCELLANEOUS
12.1. Amendments: The Provider reserves the right to modify this TOS at any time. Continued use of the Service after notification of changes constitutes acceptance of the modified terms.
12.2. Severability: If any provision of this TOS is found to be unenforceable, the remaining provisions will remain in full force and effect.
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Billingo Technologies CPLC