These Terms of Service ("Terms") govern your access to and use of the BillIQ website, application, and APIs (collectively, the "Service"). By creating an account or using the Service, you agree to these Terms.
1. Eligibility & account
You must be at least 18 years old and capable of entering into a binding contract under Indian law. You are responsible for keeping your credentials secure and for all activity under your account.
2. Acceptable use
You agree not to:
- Upload content you do not have the right to process, or that infringes the rights of others.
- Use the Service to launder funds, evade taxes, or commit fraud.
- Reverse engineer, scrape, or attempt to extract our source code, models, or prompts.
- Probe, scan, or interfere with the security or integrity of the Service.
- Resell, sublicense, or white-label the Service without a written agreement.
- Use the Service to send spam, malware, or any unlawful content.
3. Subscriptions & billing
- Paid plans are billed monthly in advance via Razorpay in Indian Rupees (INR), inclusive of applicable taxes where stated.
- Your plan auto-renews at the end of each billing cycle until you cancel.
- You can cancel anytime from the Billing page. Cancellation takes effect at the end of the current billing period.
- We may change pricing with at least 14 days' notice; changes apply to the next renewal.
- Failed payments may result in your account being downgraded to the Free plan after a 5-day grace period.
4. AI-generated insights — disclaimer
BillIQ uses artificial intelligence to extract fields from invoices and to generate analytics, GST estimates, and business insights. AI output can be incomplete or incorrect. BillIQ output is not professional tax, accounting, legal, or financial advice. You are responsible for reviewing every figure before relying on it for filing, payment, or any business decision. Always consult a qualified Chartered Accountant for tax and statutory matters.
5. Your data & content
You retain all rights to the invoices and data you upload ("Customer Data"). You grant BillIQ a limited, non-exclusive licence to host, process, and display Customer Data solely to provide the Service to you. We will not sell Customer Data and will not use it to train public AI models. See our Privacy Policy for details.
6. Service availability
We aim for high availability but the Service is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted access. Planned maintenance, third-party outages (e.g. Razorpay, AI providers), force majeure events, or required security work may cause temporary downtime. We are not liable for losses arising from such interruptions.
7. Suspension & termination
We may suspend or terminate your access, with or without notice, if:
- You breach these Terms or the acceptable-use policy.
- Your payment fails and is not cured within the grace period.
- We reasonably believe your account is being used for fraud, abuse, or illegal activity.
- We are required to do so by law or a regulator.
You may terminate at any time by deleting your account (see the Privacy Policy). Sections that by their nature should survive (payment, IP, disclaimers, liability) will survive termination.
8. Intellectual property
BillIQ, the BillIQ logo, the application, models, and all related intellectual property are owned by us. We grant you a limited, non-transferable, revocable licence to use the Service in accordance with these Terms.
9. Limitation of liability
To the maximum extent permitted by law, BillIQ's aggregate liability for any claim arising out of or relating to the Service is limited to the fees you paid us in the 3 months immediately preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages, including lost profits, lost data, or business interruption.
10. Governing law
These Terms are governed by the laws of India. The courts at Bengaluru, Karnataka have exclusive jurisdiction over any disputes, subject to applicable consumer-protection laws of your state.
11. Changes
We may update these Terms from time to time. Material changes will be notified by email or in-app banner at least 7 days before they take effect. Continued use of the Service after that constitutes acceptance.
12. Contact
Questions about these Terms? Email ai.business.support.team@gmail.com.