These terms and conditions ("Terms and Conditions") are made between BILLO ("we", "us", "our"), and users who (i) use our website in its entirety, including all of our subpages, associated sites or pages ("Website") and/or the BILLO mobile or web app, which is accessible through browser on mobile phone, tablet computer and personal computer ("App") (collectively, "INVOICE APP"), (ii) download software for BILLO ("BILLO Software"), and/or (iii) use, access, or purchase in-App products and services provided by BILLO ("you", "User").

1. Acceptance of Terms and Conditions

Please read the following Terms and Conditions carefully before using BILLO.

By downloading the BILLO Software or using, accessing, or purchasing products and services of BILLO, you are acknowledging that you have read, understood, and agreed to be bound by the (i) Terms and Conditions, (ii) privacy policy (see here), (iii) cookie policy (see here), and (iv) any terms disclosed and agreed to by you if you purchase additional features, products, or services we offer on BILLO (collectively, "Agreement").

You acknowledge and agree that the availability of BILLO and the BILLO Software is dependent on the third party from which you received the BILLO Software (e.g., Apple App Store, or Google Play (each, "App Store")). You acknowledge that the Agreement is between you and us and not with the App Store. Each App Store may have its own terms and conditions to which you must agree before using or accessing BILLO or downloading the BILLO Software.

If you do not accept and agree to be bound by all the terms of the Agreement and the applicable terms and conditions of the respective App Store, please do not access or use BILLO.

2. Modification of the Agreement

We reserve the right to modify, add to, change, or remove parts of the Agreement at any time at our own discretion ("Modifications").

If the Modifications include material changes to your rights or obligations, you will be notified at least 10 days in advance of the changes via (i) an email sent to the last email address you provided and (ii) a notice of such alterations posted on BILLO. If, for any reason, an email sent by us to this email address does not reach you, the email sent will nonetheless be considered an effective notice of the changes being undertaken by BILLO.

If the Modifications are not material, we will notify you by posting a notice of such alterations on BILLO.

It is your responsibility to provide us with an up-to-date email address and to check from time to time for changes to the Agreement. By continuing to use INVOICE APP following the dispatch of an email to you containing notice of changes to the Agreement, or after notice of such alterations was posted on BILLO, your binding acceptance of these alterations is constituted, and agreement that such alterations shall automatically come into effect 10 days after our email giving notice to you was sent, or 10 days after notice of the changes was posted on BILLO, is given.

3. Eligibility

Subject to the applicable law, BILLO is not available to, and may not be used directly or indirectly by, any person who (i) is not at least 17 years old or older when explicitly required by applicable state laws (referred to as a "minor" hereafter), (ii) lacks the legal capacity to form a binding contract with us, (iii) is barred from using BILLO, (iv) has been convicted of a felony or indictable offense, a sex crime, or any crime involving violence, or (v) does not comply with this Agreement, applicable laws, rules and regulations. In that case you are not authorized to create an account or access BILLO in any way. No person of legal age may permit or encourage a minor to view or use BILLO under any circumstances.

To use BILLO, you must have a mobile device that is compatible with the BILLO application. We do not warrant that BILLO will be compatible with your mobile device.

4. Rights we grant you

We, our subsidiaries, and affiliated companies, own all rights, titles, and interests in any inventions, ideas, discoveries, trade names, logos, domain names, concepts, processes, design methods, trade secrets, know-how, databases, computer programs, work products, and other intellectual property, including related intellectual property rights (including but not limited to patents, copyrights, trademarks, designs, any registration thereof and pending applications therefor), irrespective of their form and whether registerable or legally protectable relating to BILLO and the BILLO Software (collectively, "Materials").

Subject to the terms of the Agreement, we hereby grant you a worldwide, non-exclusive, royalty-bearing, revocable, non-transferable, non-sublicensable license to access and use the Materials ("License"). Subject to our express prior written consent, you may not access and use the Materials in any way other than as set out in the Agreement. In particular, and to the extent permitted by applicable law, you may not: