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Terms of Use and Sale — GetPaid (provisional name)

DRAFT — 2026-11-11. Not legal advice. Not reviewed by a lawyer. Resolve every [REVIEW: …] (lawyer) and [OWNER: …] (publisher decision) before publishing. Remove this box before publishing.

Effective date: [OWNER: effective date] Publisher (“we”, “us”): [Publisher name], [Registered address]. Contact: [Contact email]. [OWNER: VAT/tax number if required]

By buying or using our products you agree to these Terms. If you do not agree, do not use them. Nothing in these Terms limits rights you have under mandatory consumer law.

1. The products

The exact contents and price are shown on the product page at the time of purchase. [OWNER: product page URL]

2. Purchase, tax and delivery

• Purchases are processed by [OWNER: sales platform], which acts as merchant of record: it is the seller for payment and tax purposes and its own terms of sale also apply to your purchase. [REVIEW: align these Terms with the chosen platform’s buyer terms; identify who is the contracting party for consumer-law purposes]
• Prices include or exclude tax as shown at checkout; the platform calculates and collects VAT/sales tax.
• Access and activation: the ebook is delivered by the platform as a download. Access to the Tracker and, for Premium, to Cloud mode is granted as described on the product page and in your purchase email. [OWNER: describe the actual delivery and activation steps]
• Premium access depends on a valid purchase record (entitlement) linked to your account. If a payment is refunded or reversed, the related access may end.

3. Refunds and the right of withdrawal

• Refund policy: [OWNER: refund policy — e.g. none, or N days, conditions]
• EU/UK consumers normally have 14 days to withdraw from an online purchase. For digital content supplied immediately (downloads, instant access), this right is lost only if you expressly agreed to immediate supply and acknowledged that you lose the right of withdrawal, before the download or access starts. [REVIEW: confirm the chosen platform collects this consent and acknowledgement at checkout and sends the required confirmation; if not, the 14-day right remains]
• Your statutory rights for defective or non-conforming digital content are not affected.

4. License

Your use of the ebook, templates and app is governed by the License Terms. In short: one user, for your own personal or business use; you may copy and adapt the templates for your own correspondence; you may not redistribute or resell the products.

5. Your account (Cloud mode)

• Keep your sign-in details confidential. You are responsible for activity on your account.
• Give a valid email address; we use it for account emails (confirmation, magic link, password reset).
• You can delete your account at any time in the app. This deletes the account and all its data (see the Privacy Policy for backups).

6. Acceptable use

You must not: - use the products to harass, threaten, deceive or intimidate anyone, or to send messages that break debt-collection, consumer-protection, anti-spam or anti-harassment laws; - enter data you have no right to process, or sensitive personal data that is not needed; - try to access other users’ data, bypass access controls or entitlement checks, or interfere with the service; - share your account or resell access; - use the service for any unlawful purpose.

We may suspend or end Cloud-mode access for serious or repeated breaches, after notice where reasonable.

7. Your data and your clients’ data

• Local mode: your data stays on your device. You are responsible for backups; we cannot recover lost data.
• Cloud mode: you remain the owner and the controller of the content you enter, including your clients’ personal data. You are responsible for having a lawful basis for it and for informing your clients where the law requires. We process it only to provide the service, under the Processor Terms annex below.
• Messages to your clients: the app does not send emails to your clients. It drafts messages that you review, copy or open in your own email program. You decide whether and what to send, and you are responsible for its content and lawfulness.

8. No legal, financial or tax advice; no guarantee

The ebook, templates and app give general information and practical tools. They are not legal, financial, tax or debt-collection advice and do not create a professional relationship. Laws on late payment, interest, fees and collections differ by country and change over time; check your situation with a qualified professional before relying on them.

We do not guarantee that you will recover any payment, that a client will respond, or any particular result.

9. Service availability (Cloud mode)

Cloud mode is provided “as is” and “as available”, without a service-level agreement. It depends on third-party providers and may be interrupted, changed or discontinued. We will give reasonable notice before permanently discontinuing a paid service and allow you to export your data. [OWNER: notice period, e.g. 30 days] [REVIEW: consumer-law conformity rules for digital services]

10. Liability

• Nothing in these Terms excludes or limits liability that cannot be excluded by law, including for death or personal injury caused by negligence, fraud, wilful misconduct or gross negligence, or your statutory consumer rights.
• Subject to that, we are not liable for indirect or consequential loss, lost profits, unpaid invoices, lost business, or loss of data you did not back up.
• Subject to that, our total liability is limited to the amount you paid for the product in the 12 months before the claim.
• [REVIEW: enforceability of these limits for consumers in Portugal, EU, UK, US, CA and AU; whether separate wording is needed for business users]

11. Intellectual property

The products, their text, design and code belong to us or our licensors. Third-party open-source components and fonts are used under their own licenses. [OWNER/REVIEW: publish a third-party notices file (SPDX license inventory) with the app]

12. Changes to these Terms

We may update these Terms. Changes apply to future purchases. For Cloud-mode users, we will notify significant changes in advance; if you do not accept them, you may stop using and delete your account. [REVIEW: rules on unilateral changes for consumer contracts]

13. Governing law and disputes

[REVIEW: proposed — These Terms are governed by the laws of Portugal. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may bring proceedings in your local courts.] [REVIEW: Portuguese information duties on alternative dispute resolution (Law 144/2015) and the electronic complaints book (Livro de Reclamações Eletrónico); confirm current status of the EU ODR platform link requirement]

14. Contact

[Publisher name], [Registered address] — [Contact email]

Annex — Processor Terms (Cloud mode) — OUTLINE ONLY

[REVIEW: this is an outline of the clauses required by GDPR Art. 28 and UK GDPR Art. 28. A lawyer must draft the final text. Decide whether it is part of these Terms or a separate Data Processing Addendum accepted at sign-up.]

1. Roles. The user is the controller of the content they enter in Cloud mode (including their clients’ personal data); we are the processor.
2. Subject matter and duration. Hosting and displaying the user’s content to provide GetPaid Tracker Cloud mode, for the life of the account.
3. Data and data subjects. The user’s clients and contacts: name, email, company, country, notes; invoice, payment and message data linked to them; the user’s own business details (including payment instructions, which may contain bank details).
4. Instructions. We process only on the user’s documented instructions, which are these Terms and the user’s use of the app.
5. Confidentiality. Anyone authorised to process the data is bound by confidentiality.
6. Security. Technical and organisational measures, including Row Level Security, hashed passwords (Supabase Auth), server-only entitlement writes, HTTPS. [OWNER: confirm and complete the list]
7. Sub-processors. General authorisation for: Supabase [OWNER: region]; [OWNER: email provider]. We will notify the user of changes and allow objection (by closing the account). [REVIEW]
8. International transfers. Only with an adequacy decision or SCCs / UK Addendum. [REVIEW]
9. Assistance. We help the user respond to data-subject requests (in-app export and deletion) and with security, breach and impact-assessment obligations, as far as reasonable.
10. Breach notification. We notify the user without undue delay after becoming aware of a personal data breach affecting their content. [REVIEW: target timeframe]
11. Deletion or return. At the end of the service the user can export their data, and account deletion removes it; backups expire per the provider’s retention period. [OWNER: backup retention]
12. Audits and information. We make available the information needed to demonstrate compliance, proportionate to a small service. [REVIEW]