These terms govern your use of Invoice Owed at invoiceowed.com, operated by Ermaz LLC ("we"). By opening a workspace you agree to them.
Invoice Owed is calculation and template software. It imports your invoice data, asks you to confirm the facts that decide whether the Late Payment of Commercial Debts (Interest) Act 1998 applies, calculates statutory interest and the fixed sum from those confirmed facts, and prepares reminder letters for you to send yourself. It is not a law firm or a collection agency, it does not give legal advice, it is not a regulated service, and it never contacts your customers or acts on your behalf. Whether to send a letter, and what it says, remains your decision and your responsibility.
Every figure the service produces depends on the data you import and the confirmations you give. You are responsible for the accuracy of that data, for confirming only facts that are true, and for checking a letter before sending it. Rows the service blocks as uncertain are blocked deliberately; do not rely on the service for invoices it declines to calculate. Disputed, foreign-law, insolvency, construction, assigned, consumer or time-barred invoices should be reviewed by a qualified professional adviser.
A workspace is opened with an email address and a one-time code. You are responsible for keeping that mailbox secure and for everyone who uses your workspace. Use the service only for invoices issued by the business you represent.
Importing, qualification, resolution and the statutory schedule are free. The letters for your first customer are free. Letters for every further customer need the Invoice Owed subscription, currently £19 a month plus VAT where applicable, billed monthly in advance until cancelled. Prices may change for future periods with at least 30 days notice by email.
Subscriptions are sold by Paddle.com Market Ltd, or Paddle.com Inc. for some regions, as merchant of record. Paddle handles checkout, payment, invoices, VAT and refunds under Paddle's own buyer terms, which apply alongside these terms. We never see your card details.
You can cancel at any time from the workspace or through Paddle's billing portal. Access continues until the end of the paid period and then stops; no further payment is taken. Refunds are described in our refund policy.
Your invoice data belongs to you. We process it only to run the service, as described in the privacy notice. Only your latest import is kept, imports are deleted after the retention period shown in the workspace, and you can delete your invoice and business data immediately at any time. Deleting data does not cancel a subscription; a minimal billing record (Paddle customer and subscription references and the free-letter marker) is kept so that an active subscription keeps working, and you cancel from the workspace or Paddle's portal.
Do not use the service to request sums you know are not owed, to harass any person, to process data you have no right to process, or to attempt to access other workspaces. We may suspend a workspace that breaches these terms.
We aim to keep the service available but do not guarantee uninterrupted access. The statutory reference-rate table is verified through the date shown in the workspace; invoices whose rate is not yet verified are refused rather than estimated. We may improve or change the service and will not remove a paid feature during a period you have paid for.
The service is provided as is. To the fullest extent permitted by law we exclude implied warranties and are not liable for indirect or consequential loss, or for loss arising from data or confirmations you provided or from a decision to send or not send correspondence. Our total liability for any claim connected with the service is limited to the amount you paid for it in the twelve months before the claim. Nothing in these terms limits liability that cannot lawfully be limited.
These terms are governed by the law of England and Wales and the courts of England and Wales have exclusive jurisdiction, except that consumers keep any mandatory protection of their home country.
Ermaz LLC. Email hello@invoiceowed.com.