1. Acceptance of Terms

By creating an account, accessing, or using BillGram's invoice software and related services (the "Service"), you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, you may not use our Service.

These terms apply to all users, including individuals, businesses, and organizations that use BillGram for invoice management and billing purposes.

2. Service Description

BillGram provides cloud-based invoice software that enables users to:

• Create, customize, and manage professional invoices
• Track payments and manage accounts receivable
• Generate financial reports and analytics
• Store customer and product information
• Send invoices via email and other delivery methods
• Accept online payments through integrated payment gateways
• Manage taxes, discounts, and currency conversions
• Access mobile applications for on-the-go billing

We reserve the right to modify, suspend, or discontinue any feature or aspect of the Service at any time with or without notice.

3. Account Registration and Eligibility

3.1 Eligibility

You must be at least 18 years old and capable of forming a binding contract to use BillGram. By using our Service, you represent and warrant that you meet these requirements.

3.2 Account Creation

To use BillGram, you must create an account by providing accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Ensuring your account information remains accurate and up-to-date

3.3 Account Restrictions

You may not:

• Share your account credentials with others
• Create multiple accounts for fraudulent purposes
• Use someone else's account without permission
• Register for an account on behalf of someone else without authorization

4. Subscription Plans and Pricing

4.1 Subscription Tiers

BillGram offers various subscription plans with different features and pricing. Details of available plans, features, and pricing are available on our website and may be updated from time to time.

4.2 Payment Terms

• Subscription fees are billed in advance on a monthly or annual basis
• All fees are non-refundable except as required by law or as specified in our refund policy
• You authorize us to charge your payment method for all fees incurred
• Failure to pay fees may result in suspension or termination of your account

4.3 Price Changes

We reserve the right to modify subscription pricing with at least 30 days' advance notice. Continued use of the Service after a price change constitutes acceptance of the new pricing.

4.4 Taxes

All fees are exclusive of applicable taxes, which you are responsible for paying. We will add applicable taxes to your invoice where required by law.

5. User Responsibilities and Acceptable Use

5.1 Lawful Use

You agree to use BillGram only for lawful purposes and in compliance with all applicable laws and regulations. You will not use the Service to:

• Create fraudulent or misleading invoices
• Engage in tax evasion or money laundering
• Violate intellectual property rights
• Harass, abuse, or harm others
• Distribute malware, viruses, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service

5.2 Data Accuracy

You are solely responsible for the accuracy and legality of all data you enter into BillGram, including customer information, pricing, tax calculations, and invoice content.

5.3 Compliance

You are responsible for ensuring your use of BillGram complies with applicable accounting standards, tax laws, and business regulations in your jurisdiction.

6. Intellectual Property Rights

6.1 BillGram's Rights

All rights, title, and interest in and to the BillGram software, including all intellectual property rights, are and will remain the exclusive property of BillGram and its licensors. Our Service is protected by copyright, trademark, patent, and other laws.

6.2 Your Data

You retain all rights to the data you input into BillGram, including invoices, customer information, and business data. By using our Service, you grant us a limited license to use, store, and process your data solely to provide the Service.

6.3 Restrictions

You may not:

• Copy, modify, or create derivative works of the Service
• Reverse engineer, decompile, or disassemble the software
• Remove or alter any copyright, trademark, or proprietary notices
• Use the Service to develop competing products
• Sell, rent, lease, or sublicense access to the Service

7. Data Privacy and Security

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We implement industry-standard security measures to protect your data, but we cannot guarantee absolute security. You acknowledge that you use the Service at your own risk.

8. Service Availability and Support

8.1 Uptime

While we strive to provide continuous service availability, we do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or unforeseen technical issues.

8.2 Maintenance

We may perform scheduled or emergency maintenance that temporarily interrupts the Service. We will make reasonable efforts to provide advance notice of scheduled maintenance.

8.3 Customer Support

We provide customer support through email, chat, and phone during business hours. Support availability may vary based on your subscription plan.

9. Third-Party Integrations

BillGram may integrate with third-party services such as payment processors, accounting software, and email providers. Your use of these integrations is subject to the third party's terms and conditions. We are not responsible for the performance, security, or availability of third-party services.

10. Termination

10.1 Termination by You

You may terminate your account at any time by contacting our support team or through your account settings. Upon termination:

• Your access to the Service will cease
• You will not receive a refund for any prepaid fees
• You may export your data before termination

10.2 Termination by BillGram

We may suspend or terminate your account immediately if you:

• Violate these Terms and Conditions
• Fail to pay subscription fees
• Engage in fraudulent or illegal activities
• Abuse or misuse the Service

10.3 Data Retention After Termination

After termination, we will retain your data for a period of 30 days to allow for data recovery. After this period, your data may be permanently deleted unless required to be retained by law.

11. Limitation of Liability

BillGram's total liability arising from or related to these Terms or your use of the Service shall not exceed the amount you paid to BillGram in the 12 months preceding the claim.

This limitation applies to all causes of action, whether in contract, tort, negligence, strict liability, or otherwise, even if BillGram has been advised of the possibility of such damages.

12. Disclaimer of Warranties

BillGram does not warrant that:

• The Service will be uninterrupted, error-free, or secure
• Defects will be corrected
• The Service will meet your specific requirements
• Results obtained from the Service will be accurate or reliable

13. Indemnification

You agree to indemnify, defend, and hold harmless BillGram, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising from:

• Your violation of these Terms and Conditions
• Your use or misuse of the Service
• Your violation of any third-party rights
• Any data or content you submit through the Service

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

14.2 Arbitration

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization], except that either party may seek injunctive relief in court.

14.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. When we make material changes, we will notify you by:

• Posting the updated terms on our website
• Sending an email notification to your registered email address
• Displaying an in-app notification

Your continued use of the Service after changes are made constitutes acceptance of the updated terms. If you do not agree to the changes, you must stop using the Service and terminate your account.

16. Force Majeure

BillGram shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

18. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by BillGram, constitute the entire agreement between you and BillGram regarding the Service and supersede all prior agreements and understandings.

19. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. BillGram may freely assign or transfer its rights and obligations under these Terms.

20. Contact Information

For questions about these Terms and Conditions, please contact us at: