Terms of Service (October 6 through November 15, 2026)

Last updated: October 2026 (October 9, 2026)

Current terms: /terms. Earlier version: through October 3, 2026.

Introduction

Welcome to Invoice Mama. These Terms of Service ("Terms") govern your access to and use of our website (including any subdomains), our mobile applications available on the Apple App Store (iOS) and Google Play Store (Android), and all related services (collectively, the "Service"), operated by Southern East Inc. (operating Invoice Mama). These Terms apply to all visitors, users, and others who access or use the Service, whether through our website or mobile apps.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service. Non-material updates take effect when posted. Material changes follow the notice rules in Changes to Terms (including your choices about data we already hold).

Please read these Terms carefully before using our Service. If you have any questions about these Terms, please contact us before using the Service.

Age Restrictions

Our services are not intended for use by individuals under the age of 18 or the age of majority in the jurisdiction where they reside, whichever is higher. By using our Service, you represent and warrant that you are of legal age to form a binding contract with Invoice Mama and meet all of the foregoing eligibility requirements.

If you are using the Service on behalf of a company, organization, or other entity, then "you" includes you and that entity, and you represent and warrant that you are authorized to accept these Terms on that entity's behalf and that such entity agrees to be responsible to us if you or that entity violates these Terms.

Account Registration

Some features of our Service require you to register for an account. When you register, you must provide accurate and complete information and keep this information updated. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure.

You must notify us immediately of any breach of security or unauthorized use of your account. Invoice Mama will not be liable for any losses caused by any unauthorized use of your account.

We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at our sole discretion.

Service Changes and Availability

We may modify, suspend, or discontinue the Service or any part of it. A material change, such as removing a paid feature or reducing your rights, follows Changes to Terms: at least 30 days' notice. We may act sooner only where the law, a security or abuse risk, or a change by a third-party provider requires it, and then we give as much notice as we can. We may limit or restrict access immediately where needed to protect the Service or other users.

Subject to Changes to Terms and applicable law, we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service.

Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Invoice Mama and its licensors. The Service is protected by copyright, trademark, and other laws of both Canada and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Invoice Mama.

You acknowledge that all intellectual property rights, including without limitation, copyright, trademark, trade secret, and patent rights, in the Service and its content are owned by Invoice Mama or its suppliers. Neither these Terms nor your use of the Service transfers any right, title, or interest in the Service or its content to you.

Your content and our license

"Your Content" (also called "User Content") means everything you submit, upload, or create in Invoice Mama. You keep all your rights in it. You are solely responsible for the User Content you create.

By submitting User Content to the Service, you grant Invoice Mama a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute your User Content in connection with providing the Service to you. This license is solely for the purpose of enabling Invoice Mama to operate, promote, and improve our Service. Updated license terms take effect on November 16, 2026 (see the notice above).

You represent and warrant that:

  • You own the User Content that you submit to the Service or have the rights necessary to grant us the license described above.
  • The User Content does not violate the privacy rights, publicity rights, copyrights, contract rights, intellectual property rights, or any other rights of any person or entity.
  • The User Content does not contain material that is false, intentionally misleading, or defamatory.
  • The User Content does not violate any applicable law, regulation, or rule.
  • The User Content does not contain material that is unlawful, obscene, defamatory, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense.

Service Data (effective November 16, 2026)

"Service Data" means statistics and anonymized information we create as described in our Privacy Policy, plus technical and usage information about how Invoice Mama performs. Service Data does not include Your Content itself and does not identify you, your business, your clients, or any other person. We own Service Data and may use, publish, and license it for any lawful purpose while it stays non-identifying. Each recipient agrees not to re-identify anyone, not to combine Service Data with other data to identify anyone, and not to pass Service Data on without the same restrictions. If Service Data turns out to identify someone, we treat it as personal information.

Assignment (effective November 16, 2026)

We may assign or transfer these Terms, and our related rights and obligations, including information handled under our Privacy Policy, to an affiliate or successor in a merger, acquisition, financing, reorganization, insolvency, or sale of assets. The successor must honour these Terms and our Privacy Policy for the information it receives unless it gives you notice and gets any consent required under Changes to these Terms and our Privacy Policy. We will tell you within 30 days after such a transfer. You may not assign these Terms without our written consent.

Customer Data (effective November 16, 2026)

"Customer Data" means invoices, estimates, client records, payment details, tax IDs, and other content you create in Invoice Mama, including information about your clients.

  • (a) Ownership: As between you and us, you own Customer Data.
  • (b) Our role: We process Customer Data as your service provider and processor, only on your documented instructions (these Terms, your settings, and your use of the service). We will not process Customer Data for any other purpose unless the law requires it. If we need a different purpose, we will tell you first. PostHog provides product analytics and crash/error reporting in the web app and the mobile apps, and session replay in the web app only, as described in our Privacy Policy.
  • (c) No sale, sharing, or third-party training: We will not sell or rent Customer Data, share it for cross-context behavioral advertising, or let any third party use it to train AI models. We will not combine it with other data to build profiles of you or your clients for others.
  • (d) Statistics: You authorize aggregated statistics under our Privacy Policy. Account owners can exclude future statistics by contacting support@invoicemama.com.
  • (e) Confidentiality: Only staff and contractors who need access may view Customer Data, under confidentiality obligations.
  • (f) Security: Reasonable technical and organizational measures, including encryption in transit and at rest.
  • (g) Subprocessors: Listed in our Privacy Policy (#service-providers). We give at least 30 days' notice before adding or replacing one; you may object.
  • (h) Breach notice: Without undue delay, and within 72 hours where we can, after we confirm a breach affecting Customer Data.
  • (i) Help with requests: We help you respond to your clients' privacy requests to a reasonable extent.
  • (j) Transfers: Where Customer Data from the EEA or UK goes to countries without adequacy, we use Standard Contractual Clauses or the UK Addendum.
  • (k) Deletion: Export for 30 days after closure; then delete except legal retention. Backups overwritten within 35 days.
  • (l) Information: On reasonable request, we provide information needed to show compliance with this section.
  • (m) Your responsibilities: You must have a lawful basis to put your clients' information into Invoice Mama.
  • (n) Optional programs: Anything beyond this section needs your separate opt-in.
  • (o) DPA: A data processing addendum with these terms (and SCCs where needed) is available on request; it controls if it conflicts with this section.

User Payment Instructions and Third-Party Payment Methods

Our Service may allow you to add, display, and share payment instructions on invoices, invoice links, payment links, PDFs, customer-facing portals, and other features of the Service. These payment instructions may include, without limitation, bank account and routing numbers, wire-transfer details, payment-provider handles or usernames (such as Venmo, Zelle, PayPal, Wise, Interac e-Transfer, UPI, or regional equivalents), QR codes, payment links, phone numbers, email addresses, cryptocurrency wallet addresses, and any other information you choose to include ("Payment Instructions").

Payment Instructions are User Content. All Payment Instructions you enter into the Service are treated as User Content under these Terms. You retain full ownership of, and are solely responsible for, all Payment Instructions you create, upload, or display through the Service.

Invoice Mama is not a payment processor. Invoice Mama does not act as a bank, payment processor, money transmitter, escrow agent, collection agency, financial institution, or party to any transaction between you and your customers, clients, or any other third party. We do not initiate, process, hold, verify, guarantee, or settle any payments made through third-party payment methods displayed via our Service. Any transaction you or your customers conduct through a third-party payment provider is solely between the parties to that transaction and is governed entirely by the terms, policies, and practices of that payment provider.

By using Payment Instructions through the Service, you represent, warrant, and agree that:

  • You are solely responsible for the accuracy, completeness, and legality of all Payment Instructions you provide.
  • You have the legal right and all necessary authorizations to publish, share, and display the Payment Instructions through the Service.
  • You comply with the terms of service, acceptable-use policies, and eligibility requirements of every third-party payment provider whose details you display, including using the correct account type (personal versus business) where required by that provider.
  • You are solely responsible for all applicable tax obligations, financial reporting requirements, licensing, industry regulations, professional rules, anti-money-laundering and sanctions-compliance obligations, and any other legal requirements related to the payments you receive.
  • You assume all risk of fraud, misdirected payments, payment reversals, holds, chargebacks, disputes, failed transfers, payment delays, scams, unauthorized use of your Payment Instructions by recipients or other third parties, and any other adverse consequence arising from the use of Payment Instructions displayed through the Service.
  • You understand that Payment Instructions displayed on invoices, payment links, shared PDFs, or other outputs of the Service may be viewed, copied, forwarded, or stored by invoice recipients, payment-link viewers, or anyone who obtains access to those documents or links, and that such disclosure is a foreseeable consequence of your decision to include Payment Instructions.
  • Invoice Mama has no obligation to verify, validate, monitor, or audit any Payment Instructions or the transactions they facilitate.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVOICE MAMA DISCLAIMS ALL LIABILITY FOR ANY LOSS, DAMAGE, CLAIM, OR EXPENSE OF ANY KIND ARISING FROM OR RELATED TO YOUR USE OF PAYMENT INSTRUCTIONS OR THIRD-PARTY PAYMENT METHODS THROUGH THE SERVICE, INCLUDING WITHOUT LIMITATION LOST FUNDS, PAYMENTS SENT TO THE WRONG RECIPIENT, PROVIDER ACCOUNT SUSPENSION OR CLOSURE, PUBLIC OR UNINTENDED DISCLOSURE OF PAYMENT DETAILS, OR THE PRIVACY, SECURITY, OR BUSINESS PRACTICES OF ANY THIRD-PARTY PAYMENT PROVIDER.

Credit Card Surcharges

Invoice Mama provides an optional surcharge feature that allows businesses to pass credit card processing fees to their customers. By enabling this feature, you acknowledge and agree to the following:

  • Not legal advice. Invoice Mama is not a law firm. The surcharge feature is provided as a tool only. Nothing in this Service constitutes legal advice regarding surcharging.
  • Your responsibility. You are solely responsible for ensuring your use of surcharging complies with all applicable federal, state, provincial, and local laws, as well as card network rules (Visa, Mastercard, etc.).
  • Prohibited jurisdictions. Surcharging is prohibited in certain U.S. states (Connecticut, Maine, Massachusetts, California, Texas, and Puerto Rico) and Canadian provinces (Quebec). Additional states such as Colorado and Nevada impose caps below standard processing rates. You must not enable surcharging if your business operates in a prohibited jurisdiction.
  • Customer notice. You are required to clearly disclose the surcharge amount to your customers before they complete payment, in accordance with applicable laws and card network rules.
  • Rate limits. Surcharge rates must not exceed 3.0% in the United States (Visa network cap) or 2.4% in Canada (card network settlement cap). Invoice Mama enforces these caps in-app but you remain responsible for compliance.
  • Indemnification. You agree to indemnify and hold Invoice Mama harmless from any claims, fines, penalties, or liabilities arising from your use of the surcharge feature.
  • Changes in law. Surcharge laws and card network rules may change at any time. You are responsible for staying informed of any changes that affect your ability to surcharge.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVOICE MAMA DISCLAIMS ALL LIABILITY FOR ANY LOSS, DAMAGE, FINE, PENALTY, CLAIM, OR EXPENSE OF ANY KIND ARISING FROM OR RELATED TO YOUR USE OF THE CREDIT CARD SURCHARGE FEATURE, INCLUDING WITHOUT LIMITATION REGULATORY FINES, CARD NETWORK PENALTIES, CHARGEBACKS, CUSTOMER DISPUTES, OR ANY FAILURE TO COMPLY WITH APPLICABLE SURCHARGE LAWS OR CARD NETWORK RULES.

Prohibited Uses

You agree not to use the Service:

  • In any way that violates any applicable federal, provincial, local, or international law or regulation.
  • To impersonate or attempt to impersonate Invoice Mama, a Invoice Mama employee, another user, or any other person or entity.
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which, as determined by us, may harm Invoice Mama or users of the Service or expose them to liability.
  • To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service.
  • To use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any of the material on the Service.
  • To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
  • To introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

We reserve the right to terminate your use of the Service for violating any of the prohibited uses without prior notice.

Free and Paid Services

Invoice Mama offers both free and paid services. The specific features and limitations of each service tier are described on our pricing page. We may change the features in each tier. Removing a feature from a paid tier you already subscribe to is a material change, and we give at least 30 days' notice under Changes to Terms.

Free services are provided "as is" without any warranties, express or implied. We make no guarantees regarding the availability, reliability, or functionality of free services. We may limit or discontinue free services. If we convert a free service you already use into a paid one, we give at least 30 days' notice. We post other changes to free services when they take effect.

For paid services, billing terms and conditions will be specified during the purchase process. By purchasing a paid service, you agree to pay all fees due in accordance with the billing terms. We may change prices. A price increase for your subscription is a material change: we give at least 30 days' notice by email and in Invoice Mama before it applies to your next renewal. We reserve the right to suspend or terminate your access to paid services if payment is not received.

Subscriptions: Paid subscriptions automatically renew unless cancelled before the end of the current billing period. Subscription prices may vary between our website and mobile app store offerings (Apple App Store, Google Play Store) and may change during promotional periods. We will notify you of any price increase with at least 30 days' notice under Changes to Terms. You may cancel subscriptions at any time through your account settings or through the applicable app store (e.g., Settings on iOS, Google Play subscription management on Android). There is no cancellation fee. Cancellation takes effect at the end of the current billing period. Except for a qualifying refund under the Refunds section, or where applicable law requires otherwise, we do not refund the unused part of a billing period.

Refunds

This section is the refund policy for paid subscriptions to the Service that Invoice Mama bills directly. Any shorter description of a money-back guarantee, including on a pricing page, is a summary of this section and does not expand it.

30-day window. If you buy a paid subscription for the first time, you may request a refund of that first paid charge. The 30-day window starts on the date the first paid charge succeeds. We must receive your written request within those 30 days. The window does not restart on a renewal, a plan change, or an add-on. A request received after those 30 days is too late, even if you cancelled inside the window.

First-time purchases only. The refund is available once per customer and once per account. It applies only to the first successful paid charge for a new subscription, on an account that has not had a paid subscription with us before, for a customer who has not already received a refund from us. We may treat accounts, email addresses, payment methods, and businesses under common control as one customer when we decide eligibility.

What is not refundable. Unless applicable law requires otherwise, the following are non-refundable. We do not prorate them. These exclusions apply except to the qualifying first paid charge covered by the 30-day refund in this section. They do not cancel that refund for a normal first subscription, including the charge that moves a free account to a paid plan, and including unused time in that first billing period.

  • Renewal charges, including monthly and annual renewals.
  • Plan changes, upgrades, downgrades, and any price difference between plans, other than that qualifying first paid charge.
  • Add-ons, extra seats, and other optional charges.
  • Any unused or partial billing period, including time left after you cancel, other than that qualifying first paid charge.
  • Lifetime Deals and other one-time purchases. Those are not subscriptions. The 30-day refund in this section does not apply to them.

How to request a refund. Email support@invoicemama.com or send a written request through the support dashboard in your account. We must receive that request within 30 days after the date the first paid charge succeeds. The request must identify the account and state that you want a refund of that charge. Cancelling the subscription is not, by itself, a refund request.

Material changes to these Terms. If you decline a material change and close your account before it takes effect, contact us about any prepaid subscription fees. Refunds follow this section (including exclusions for unused or partial periods) unless applicable law requires otherwise.

Our discretion. We may refuse a refund, or close the account without a refund, if we reasonably believe the request involves abuse or fraud, the account has violated these Terms, a chargeback or payment dispute is already open for the same charge, or the customer has a pattern of signing up and requesting refunds. We may ask for information to confirm that you own the account. This paragraph does not limit a right that applicable law says we cannot refuse.

How refunds are paid. An approved refund is paid to the original payment method. Where the law allows, we may deduct payment-processing fees charged to us for that transaction and refund the balance. Taxes are refunded, retained, or remitted only as applicable law requires. After we submit the refund, your bank or card issuer controls when it appears.

Your account after a refund. If we issue a refund, we will downgrade the account to the free plan or close it. Paid features end when the refund is issued. Free-plan limits apply after a downgrade. If we close the account, the Account Deletion section describes what is removed.

Apple App Store and Google Play. Purchases made through the Apple App Store or Google Play are billed by Apple or Google, not by us. Those purchases are governed by that store's refund process. Contact Apple or Google to request a refund. We cannot issue those refunds. If a store refunds you, we may downgrade or close the account as described above.

Consumer protection laws. Nothing in this Refunds section, or in the rest of these Terms, limits a right you have under consumer protection law that cannot legally be waived, including rights that may apply in the European Union, the United Kingdom, Australia, or Quebec. Where such a law gives you a broader refund or cancellation right, that law applies to the extent it must. Where the law allows us to set these terms, this section applies.

Changes. Changes to this Refunds section follow the Changes to Terms section, including at least 30 days' notice before a material change takes effect. Posting an update on this page does not, by itself, make a material refund-policy change effective sooner. The version in effect on the date a charge succeeds applies to that charge. A change does not create a new refund right for a charge that was already outside this section, and it does not remove a refund right that already applied to a charge, except where applicable law allows.

Free Tools and Resources

Invoice Mama provides free tools, calculators, templates, and other resources ("Free Resources") on our website. These Free Resources are provided solely for general informational and educational purposes.

Invoice Mama makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any Free Resources. Your use of any Free Resources is entirely at your own risk.

Free Resources are not intended to constitute professional, legal, financial, tax, or accounting advice. You should consult with qualified professionals before making any decisions based on information obtained from our Free Resources.

We expressly disclaim any responsibility or liability for any errors, omissions, or inaccuracies in the Free Resources, or for any actions taken or not taken based on the information provided by these resources.

Calculation Accuracy Disclaimer

Our Service includes various calculators and computational tools, both within our free and paid offerings. While we strive to provide accurate calculations, Invoice Mama does not guarantee the accuracy, completeness, or reliability of any calculations, computations, or outputs generated by our software.

You acknowledge and agree that:

  • All calculations and outputs are provided for informational purposes only and should not be solely relied upon for financial, legal, tax, or business decisions.
  • You are solely responsible for verifying the accuracy of any calculations before using them for any purpose.
  • Invoice Mama shall not be liable for any errors, inaccuracies, or miscalculations in any output generated by our software, regardless of whether you are using a free or paid version of the Service.
  • Any losses, damages, or consequences arising from reliance on calculations or outputs from our Service are your sole responsibility.
  • You should consult with qualified professionals (such as accountants, financial advisors, or legal counsel) before making any decisions based on calculations from our Service.

This disclaimer applies to all calculations, invoices, estimates, quotes, and any other numerical or financial outputs generated through our Service, whether accessed through free tools or paid subscriptions.

Lifetime Deals

Invoice Mama may offer "Lifetime Deals" which are one-time payment options for access to certain features of the Service. The following terms apply specifically to Lifetime Deals:

  • Lifetime access refers to the lifetime of the specific plan or service that you purchase, not necessarily the lifetime of the Service itself.
  • Lifetime updates and access only apply to the specific plan tier that was purchased. Upgrades to higher-tier plans or newly introduced premium features may require additional payment.
  • We may stop offering Lifetime Deals to new buyers at any time. Changes to a Lifetime Deal you already bought follow Changes to Terms.
  • We reserve the right to limit the number of Lifetime Deals available at our sole discretion.
  • A Lifetime Deal is a one-time purchase, not a subscription. The 30-day refund in the Refunds section does not apply to it.
  • In the event that we discontinue the Service or specific features included in your Lifetime Deal, we are not obligated to provide refunds or compensation, except where applicable law requires otherwise.
  • The purchase of a Lifetime Deal does not entitle you to ownership rights or equity in our company or product.
  • Should we decide to rebrand, restructure, or significantly modify our Service, your Lifetime Deal may be moved to a comparable tier of the new service. We give at least 30 days' notice.

By purchasing a Lifetime Deal, you acknowledge and accept that the Service may evolve, change, or potentially be discontinued in the future, and that such changes do not entitle you to a refund or continued service beyond what is commercially reasonable for us to provide, except where applicable law requires otherwise.

Disclaimer of Warranties

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Invoice Mama, its subsidiaries, affiliates, and its licensors do not warrant that:

  • The Service will function uninterrupted, secure, or available at any particular time or location.
  • Any errors or defects in the Service will be corrected.
  • The Service is free of viruses or other harmful components.
  • The results of using the Service will meet your requirements.
  • The quality of any products, services, information, or other material purchased or obtained by you through the Service will meet your expectations.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain types of damages. Accordingly, some of the above limitations may not apply to you.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Invoice Mama, its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the Service.
  • Any conduct or content of any third party on the Service.
  • Any content obtained from the Service.
  • Unauthorized access, use, or alteration of your transmissions or content.
  • Your use of Payment Instructions or third-party payment methods through the Service, including without limitation lost funds, payments sent to the wrong recipient, failed or delayed transfers, chargebacks, holds, reversals, fraud, scams, provider account suspension or closure, or the privacy, security, or business practices of any third-party payment provider.
  • The disclosure, copying, forwarding, or misuse of Payment Instructions by invoice recipients, payment-link viewers, or any other third party who accesses documents or links generated through the Service.
  • Your use of the credit card surcharge feature, including without limitation any fines, penalties, regulatory actions, card network sanctions, chargebacks, customer disputes, or losses arising from non-compliance with applicable surcharge laws, card network rules, or disclosure requirements.
  • Any other matter relating to the Service.

In no event shall our total liability to you for all claims exceed the amount you have paid, if any, to Invoice Mama for the Service during the twelve (12) month period prior to any cause of action arising.

This limitation of liability section applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Invoice Mama has been advised of the possibility of such damage.

Indemnification

You agree to defend, indemnify, and hold harmless Invoice Mama, its directors, employees, partners, agents, suppliers, and affiliates, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

  • Your use of and access to the Service.
  • Your violation of any term of these Terms.
  • Your violation of any third-party rights, including without limitation any copyright, property, or privacy rights.
  • Any claim that your User Content caused damage to a third party.
  • Your use of Payment Instructions or third-party payment methods through the Service, including any claim arising from the accuracy, legality, or disclosure of payment details you provided, any dispute with a payment recipient or payment provider, or any allegation of fraud, regulatory non-compliance, or unauthorized transactions.
  • Your use of the credit card surcharge feature, including any claim, fine, penalty, card network sanction, or regulatory action arising from non-compliance with applicable surcharge laws, card network rules, prohibited-jurisdiction restrictions, disclosure requirements, or rate caps.

This defense and indemnification obligation will survive these Terms and your use of the Service.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Canada and the Province of Ontario, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

Dispute Resolution

If you have any concern or dispute about our Service, you agree to first try to resolve the dispute informally by contacting us. If these efforts prove unsuccessful, you agree that any dispute, claim or controversy arising out of or relating to these Terms shall be settled by binding arbitration, rather than in court.

The arbitration shall be conducted in accordance with the arbitration laws of Ontario, Canada. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. By agreeing to these Terms, you and Invoice Mama waive the right to a jury trial and to participate in a class action lawsuit.

You remain free to bring your dispute in your local small claims court, if permitted by that small claims court's rules.

For users in regions with mandatory consumer protection laws that cannot be waived, the dispute resolution provisions above may not apply to you to the extent they conflict with your local laws.

Changes to Terms

What counts as material. A change is material if a reasonable user would consider it significant—for example, it reduces your rights or our obligations, raises fees, changes how we use or share your data, changes dispute resolution or governing law, or takes away a paid feature. This notice rule applies to changes to the Refunds section.

Notice. We will give at least 30 days' notice of a material change by email and on Invoice Mama, with a summary and links to the old and new versions.

Your data. A change that expands how we use or share data applies to data we collected before the change only if you expressly agree.

Your options. If you do not agree, you can stop using Invoice Mama and close your account before the change takes effect. If you are on a paid plan, contact us about prepaid fees (see Refunds; general terms exclude prorated refunds except where law or that section requires).

Other changes. Non-material changes take effect when we post them. If you keep using Invoice Mama after a material change takes effect, and we gave you the notice above, you accept the updated Terms, except as the Your data paragraph says.

If the law requires a change sooner, we give as much notice as we can.

Past versions: through October 3, 2026, October 6 through November 15, 2026. Upcoming version: /terms/upcoming.

Mobile Application Terms

The following additional terms apply when you access our Service through our mobile applications (iOS App Store and Google Play Store):

End-User License Agreement: This agreement is between you and Invoice Mama only, and not with Apple Inc., Google LLC, or any other app store provider. Invoice Mama is solely responsible for the Invoice Mama app and its content.

Scope of License: You are granted a limited, non-transferable license to use the app on any device that you own or control, subject to the usage rules set forth in the applicable app store terms of service (Apple Media Services Terms or Google Play Terms of Service).

Maintenance and Support: Invoice Mama is solely responsible for providing any maintenance and support services for the app. Apple Inc., Google LLC, and other app store providers have no obligation to provide maintenance and support services.

Warranty: Invoice Mama is solely responsible for any product warranties, whether express or implied by law. In the event of any failure of the app to conform to any applicable warranty, you may notify the applicable app store (Apple or Google), and they may refund the purchase price if applicable. To the maximum extent permitted by applicable law, Apple and Google have no other warranty obligation with respect to the app.

Product Claims: Invoice Mama, not Apple or Google, is responsible for addressing any claims relating to the app or your possession and use of it, including: (a) product liability claims; (b) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.

Intellectual Property Claims: In the event of any third-party claim that the app or your possession and use of the app infringes that third party's intellectual property rights, Invoice Mama will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.

Subscriptions via App Stores: Subscriptions purchased through the Apple App Store or Google Play Store are subject to the respective store's payment terms. You can manage and cancel subscriptions through your device settings (iOS: Settings → [Your Name] → Subscriptions; Android: Google Play Store → Subscriptions) or through our app's account settings. Purchases made through the Apple App Store or Google Play are governed by that store's refund process. Refund requests for those purchases must be directed to Apple or Google, as applicable. The Refunds section applies to subscriptions we bill directly. It does not replace either store's process. If a store refunds you, we may downgrade or close the account as described in the Refunds section.

Third-Party Beneficiaries: You acknowledge and agree that (a) Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms with respect to the iOS app, and upon your acceptance, Apple will have the right to enforce these Terms against you as a third-party beneficiary; and (b) Google, and Google's subsidiaries, are third-party beneficiaries of these Terms with respect to the Android app, and upon your acceptance, Google will have the right to enforce these Terms against you as a third-party beneficiary.

Account Deletion

You may delete your account at any time through the account settings in our mobile app (iOS or Android) or web application. Upon account deletion:

  • Your account and associated personal data will be permanently deleted, except for data we are legally required to retain.
  • Any active subscriptions will be cancelled. For subscriptions purchased through the Apple App Store or Google Play Store, you must also cancel through your device (iOS: Settings → Subscriptions; Android: Google Play Store → Subscriptions) to stop billing.
  • All invoices, templates, and other content you created will be permanently removed.
  • This action cannot be undone.

If you are unable to access the account deletion feature, you may contact us to request account deletion.

Contact Us

If you have any questions about these Terms, wish to report a concern, or request account deletion, please visit our Support page.