Terms of Service — PennyFetch

1. Introduction

These Terms of Service ("Terms") govern your use of PennyFetch ("the Service"), operated by PennyFetch ("we", "us", "our"). By creating an account or using the Service, you agree to these Terms.

2. The Service

PennyFetch provides automated invoice reminder emails for businesses and freelancers. We send payment reminders to your clients on your behalf according to your configured schedule.

3. Your Account

You are responsible for maintaining the security of your account. You must provide accurate information when creating your account. You must not use the Service to send unsolicited emails (spam) or harass recipients.

4. Acceptable Use

You agree to use the Service only for legitimate business invoicing. You must not use the Service to send fraudulent invoices, harass recipients, or for any unlawful purpose. We reserve the right to suspend accounts that violate these terms.

5. Billing & Subscriptions

Free accounts are subject to usage limits. Paid subscriptions are billed monthly or annually via Stripe. You may cancel at any time through your account settings. Refunds are handled on a case-by-case basis.

6. Email Sending

Emails are sent on your behalf using our email infrastructure. We do not guarantee delivery to all recipients. You are responsible for the content of your invoice reminders and for complying with applicable email regulations.

7. Statutory Interest Calculator

The statutory interest calculator is provided for informational purposes based on the Late Payment of Commercial Debts (Interest) Act 1998. It is not legal advice. You should verify calculations independently before making any claims.

8. Limitation of Liability

The Service is provided "as is" without warranties of any kind. We shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service. Our total liability is limited to the amount you have paid us in the preceding 12 months.

9. Termination

You may close your account at any time. We may suspend or terminate your account for violation of these Terms. Upon termination, your data will be deleted within 30 days.

10. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email. Continued use of the Service after changes constitutes acceptance.

11. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

Questions about these Terms? Email us at support@pennyfetch.co.uk.