Upcoming version · effective November 16, 2026

Terms of Service (upcoming)

Current terms: /terms.

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.

Southern East Inc. is located at Southern East Inc., 222 Main St E, North Bay, ON P1B 1B1.

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 unauthorized use of your account resulting from your failure to keep your credentials, devices or Connected Apps secure. You are responsible for all activity under your account and for your team members' access.

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.

You grant Southern East Inc. a worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, adapt (for formatting and display), and display Your Content only to: (a) provide, secure, maintain, and support Invoice Mama for you; (b) show content you choose to make public; (c) improve and develop our services as described in our Privacy Policy; and (d) create statistics and anonymized information as described in our Privacy Policy. We will not sell Your Content or give it to a third party for that party's own purposes, including training the third party's AI models, unless you opt in or tell us to. Customer Data follows the stricter rules in the Customer Data section below. The license lasts while you use the Service and until we delete Your Content after account closure, except: (i) content you choose to make public may remain visible until you remove it; (ii) we may retain copies in backups for up to 35 days; (iii) we may keep information the law requires us to keep; (iv) anonymized or aggregated data that no longer identifies you may be kept as described in our Privacy Policy.

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

"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

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

"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 on your documented instructions (these Terms, your settings, and your use of the Service), including your instruction to us to host, deliver, and display Customer Data; to record web app sessions through our analytics provider (including session replay on app.invoicemama.com and public invoice and estimate pages) to operate, secure, support, and improve the Service; and to use aggregated statistics as described in our Privacy Policy. We will not process Customer Data for unrelated purposes unless the law requires it. If we need a materially 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), including PostHog. We give at least 30 days' notice before a new subprocessor starts handling Customer Data, except for an urgent replacement needed for security or continuity, where we give notice as soon as we can. If you object on reasonable data-protection grounds and we cannot resolve it, your sole remedy is to terminate and receive a pro-rata refund of prepaid fees.
  • (h) Breach notice: Without undue delay after we confirm a breach affecting Customer Data, and within 72 hours where we can. Our notice is not an admission of fault.
  • (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 from active systems except legal retention. Residual copies in backups are overwritten within 35 days.
  • (l) Information: On reasonable request, no more than once per year at your cost and subject to confidentiality, we provide information needed to show compliance; we may satisfy this with written answers or third-party reports.
  • (m) Your responsibilities: You must have a lawful basis to put your clients' information into Invoice Mama. You are responsible for telling your own clients that Invoice Mama and its service providers (including analytics providers) process information on invoice, estimate, and related pages they view, and for any notice or consent your clients require.
  • (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.

Payment Processing by Stripe

Online card and bank payments through the Service are processed by Stripe, Inc. and its affiliates ("Stripe"), not by us. By connecting a Stripe account, you agree to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement"), as modified by Stripe from time to time. As a condition of Invoice Mama enabling payment processing through Stripe, you agree to provide accurate and complete information about you and your business, and you authorize us to share it and transaction information related to your use of the payment processing services provided by Stripe.

Stripe, not Invoice Mama, decides account approval, verification, reserves, holds, payout timing, refunds, disputes and chargebacks, and account suspension or termination. We are not responsible for any Stripe decision, delay, fee, or failure, or for funds held, reversed or lost by Stripe, a bank or a card network.

AI Features and Connected Apps

Connected apps. You can connect third-party apps, including AI assistants such as ChatGPT, Claude, Grok or other MCP clients ("Connected Apps"). Connected Apps are not part of the Service and are governed by their own terms. When you connect one, you authorize us to send it the data it requests within the permissions you grant, and you are responsible for that app's access and for everything it does with your account, including drafts or changes it makes at your direction. We are not responsible for a Connected App's outputs, availability, security, data use, or actions, and we may disable any connection at any time to protect the Service.

AI output. AI-assisted features and Connected Apps can produce inaccurate, incomplete or inappropriate output. All AI-generated or AI-prepared content (including draft invoices, estimates, amounts, tax figures, client details and text) is a draft for you to review. You are responsible for reviewing and approving it before you rely on it or send it to anyone. AI output is provided as-is under the Disclaimer of Warranties and is not professional advice.

Changes. AI and connector features may be offered as Beta Features (see Beta Features) and may change or stop working without notice when a third-party provider changes its service.

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.).
  • Jurisdiction examples. Surcharging is prohibited or restricted in some places (for example, certain U.S. states and Canadian provinces). Examples only. This list may be incomplete or out of date and is not legal advice. Check current law and card-network rules before enabling surcharging.
  • 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. Invoice Mama may apply default limits in-app (for example, common card-network caps). You remain responsible for compliance with applicable caps and rules.
  • 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.

Your Business, Your Records

Invoice Mama is a software tool. We are not a tax, legal, accounting, bookkeeping, collections or financial-advice provider, and nothing in the Service (including templates, tax-rate presets, calculators, guides, support answers or AI output) is professional advice. You are solely responsible for: the content and accuracy of every invoice, estimate and document you create or send; choosing and applying the correct taxes, tax rates, tax registration numbers and invoice formats (including any e-invoicing or legal invoice requirements in your jurisdiction); your contracts with and claims against your own clients; and keeping your own complete records for as long as the law requires (for example, six years for CRA purposes). The Service is not a record-retention or archival system, and you should regularly export and keep copies of your data.

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.

Delivery, Payments and Your Data

We send emails, reminders and notifications through third-party email providers and cannot guarantee that any message will be delivered, delivered on time, or not marked as spam. You are responsible for confirming that your clients received your invoices and for following up on unpaid invoices. Payment and payout timing is controlled by your payment provider. We use reasonable backups but do not guarantee that data can be recovered. You are responsible for maintaining your own copies of your data, including by using the export features, and our only obligation for lost or corrupted data is to use commercially reasonable efforts to restore it from our most recent available backup.

The Service relies on third-party providers (for example hosting, databases, email delivery, app stores, payment processors, analytics and AI providers). We are not responsible for their acts, omissions, outages, or policy changes, and the Service may be affected by them.

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE, INCLUDING ALL FEATURES, CONTENT, CALCULATIONS, TEMPLATES, AI-ASSISTED OUTPUT AND CONNECTORS, IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS. Southern East Inc. AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS AND SUPPLIERS ("INVOICE MAMA PARTIES") DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR ARISING FROM COURSE OF DEALING OR USAGE OF TRADE, INCLUDING ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT AND SECURITY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, THAT DATA WILL NOT BE LOST OR CORRUPTED, THAT EMAILS OR PAYMENTS WILL BE DELIVERED OR SETTLED, OR THAT ANY OUTPUT WILL BE ACCURATE, COMPLETE OR COMPLIANT WITH ANY LAW. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US (INCLUDING SUPPORT, MARKETING OR AI OUTPUT) CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. IF APPLICABLE LAW DOES NOT ALLOW A WARRANTY TO BE EXCLUDED, THAT WARRANTY IS LIMITED TO 30 DAYS FROM FIRST USE, TO THE EXTENT THE LAW ALLOWS.

Some jurisdictions (including Quebec and the EU/UK for consumers) do not allow these exclusions; in those places they apply only to the extent permitted.

Limitation of Liability

1. EXCLUDED DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE INVOICE MAMA PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SALES, BUSINESS, GOODWILL, ANTICIPATED SAVINGS OR CONTRACTS; LOSS, CORRUPTION OR UNAVAILABILITY OF DATA; UNPAID, LATE OR MISDIRECTED INVOICES OR PAYMENTS; TAX, INTEREST OR PENALTIES; COST OF SUBSTITUTE SERVICES; OR BUSINESS INTERRUPTION, IN EACH CASE HOWEVER CAUSED AND WHETHER OR NOT FORESEEABLE OR WE WERE ADVISED OF THE POSSIBILITY.

2. CAP. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE INVOICE MAMA PARTIES' TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID OR OWED FOR THE SERVICE (DIRECTLY TO US OR THROUGH AN APP STORE) IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE FIRST CLAIM, AND (B) CAD $100 (OR USD $100 IF YOU ARE BILLED IN U.S. DOLLARS).

3. APPLICATION. THESE LIMITS APPLY TO ALL THEORIES OF LIABILITY, INCLUDING CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE AND FUNDAMENTAL BREACH, AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THEY ARE AN ESSENTIAL BASIS OF THE BARGAIN; OUR PRICES WOULD BE HIGHER WITHOUT THEM.

4. WHAT WE DO NOT LIMIT. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) gross negligence or intentional/wilful misconduct where the law does not allow it to be limited (including art. 1474 of the Civil Code of Québec); (d) any right of a consumer under the Quebec Consumer Protection Act, the Ontario Consumer Protection Act, EU/UK consumer law or other consumer-protection legislation that cannot be waived; or (e) your obligation to pay fees.

To the maximum extent permitted by applicable law, the disclaimers and limitations in these Terms apply in each jurisdiction. If a court holds that a limitation cannot be enforced, it will be enforced to the maximum extent permissible and the rest remains in effect.

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 attorney's fees) arising from:

  • Your Content, your Customer Data and your instructions to us (including whether you had a lawful basis to provide your clients' information).
  • Your business, products and services and your dealings with your clients.
  • 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.

We will notify you promptly of a claim (a delay only reduces your obligation to the extent it prejudices you), let you control the defence with counsel reasonably acceptable to us, and cooperate at your expense. You may not settle any claim that imposes an obligation or admission on us without our written consent. This indemnity does not apply to the extent a claim results from our breach of these Terms or our gross negligence or wilful misconduct.

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

Consumer and Regional Rights

If you use the Service as a consumer (for personal, family or household purposes) rather than for your business, or you live in Quebec, the EU/EEA, the UK or Australia, you have rights under mandatory law that these Terms do not override. In particular: (i) Quebec residents: clauses excluding our liability for our own acts, requiring arbitration, waiving class actions, requiring indemnity, or allowing unilateral changes without the notice required by the Consumer Protection Act do not apply to consumers; (ii) Ontario consumers: the arbitration, class-action waiver, and indemnity obligations do not apply to the extent prohibited by ss. 7–8 of the Consumer Protection Act, 2002 (or its successor); (iii) EU/UK consumers: you may bring proceedings in the courts where you live, and mandatory consumer law of your country of residence applies; (iv) where applicable law limits indemnity or liability caps for consumers, those limits apply.

Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. The UN Convention on Contracts for the International Sale of Goods and the International Sale of Goods Act (Ontario) do not apply.

Subject to Dispute Resolution and to any mandatory right you have as a consumer to sue where you live, the courts of Ontario have exclusive jurisdiction, and you and we submit to that jurisdiction.

Dispute Resolution

Informal resolution. Before starting arbitration or court proceedings (except for injunctive relief under Exceptions), a party must send a written notice describing the dispute and requested relief to us at support@invoicemama.com and Southern East Inc., 222 Main St E, North Bay, ON P1B 1B1, and the parties will try in good faith to resolve it for 45 days. The Time Limit for Claims does not run during this 45-day period.

Binding arbitration. If not resolved, any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration before a single arbitrator. For users in Canada, it is administered by ADR Chambers (or another administrator we agree) under its rules, seated in Ontario, under the Arbitration Act, 1991 (Ontario). For users in the United States, it is administered by the American Arbitration Association under its Commercial Arbitration Rules (or its Consumer Rules where they apply), governed by the Federal Arbitration Act. For other users, it is administered under the ICDR International Arbitration Rules, seated in Ontario. The arbitration will be in English and conducted by video or written submissions unless the arbitrator decides an in-person hearing is necessary.

Costs. We will pay all administrator and arbitrator fees you would owe above the amount of the court filing fee you would have paid for the same dispute, unless the arbitrator finds your claim or defence frivolous.

Class action waiver. Disputes are resolved only on an individual basis. Neither party may bring or participate in a class, collective, consolidated or representative action or arbitration.

Mass filings. If 25 or more similar demands are filed by or with the help of the same counsel or coordinated group, they will be administered in batches of up to 25, with one arbitrator per batch, and the limitations period is tolled while a demand waits.

Exceptions. Either party may bring an individual claim in small-claims court. Either party may seek injunctive or other equitable relief in court at any time for infringement or misuse of intellectual property or unauthorized access to the Service. Nothing in this section prevents a California resident from seeking public injunctive relief in court to the extent required by California law.

Opt-out. You may opt out of this arbitration section by emailing support@invoicemama.com within 30 days after you first accept these Terms (or a material change to this section), with your name, account email and a statement that you opt out.

Consumers. This section does not apply to consumers where the law prohibits pre-dispute arbitration or class-action waivers (including under the Ontario Consumer Protection Act, 2002 and the Quebec Consumer Protection Act) or to residents of the EU/EEA or UK acting as consumers.

Severability. If the class action waiver is found unenforceable for a claim, that claim (and only that claim) proceeds in court under Governing Law, and the remainder of this section applies to everything else.

Time Limit for Claims

To the extent permitted by law, any claim arising out of or relating to these Terms or the Service must be started within one (1) year after the claimant knew or ought reasonably to have known of it; otherwise it is permanently barred. The period is paused during the 45-day informal resolution period in Dispute Resolution. This does not apply to claims by consumers, to claims in Quebec, or where the law does not allow a limitation period to be shortened.

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.

Force Majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including natural disasters, fire, flood, pandemic, war, terrorism, civil unrest, labour disputes, government action, widespread failures or outages of the internet, utilities, or third-party hosting, cloud, database, email, payment or AI services beyond our reasonable control, cyberattacks (including denial-of-service and ransomware) not caused by our failure to maintain reasonable security, and changes to third-party platforms or app-store rules.

Beta Features

Features labelled beta, preview, early access, experimental or similar, and connectors still in testing, are provided AS IS, may be changed or withdrawn at any time without notice, may not be supported, and are excluded from any commitment in these Terms. Beta Features are subject to the Disclaimer of Warranties and Limitation of Liability.

Suspension and Termination

Suspension. We may suspend or limit access immediately, without liability, if we reasonably believe: you breached these Terms or the law; your account poses a security, fraud, abuse or legal risk; you have not paid; or suspension is required by a payment provider, app store or authority. We will tell you why where lawful and practical, and restore access once the issue is resolved.

Termination. We may terminate for cause on notice. We may also terminate your account for convenience with at least 30 days' notice; in that case we will refund prepaid fees for the unused period. After termination you have 30 days to export your data (unless we terminated for illegal activity or abuse).

Discontinuation. If we discontinue the Service entirely, we will give at least 60 days' notice where practicable and refund prepaid subscription fees for the unused period (Lifetime Deals follow the Lifetime Deals section).

General

Entire agreement and order of precedence. These Terms, together with any order form, the Data Processing Addendum (if signed) and policies expressly incorporated by reference, are the entire agreement between you and Southern East Inc. about the Service and supersede all prior agreements, representations and marketing statements. The Privacy Policy explains how we handle personal information and is not a contract term except where these Terms incorporate a specific commitment. If documents conflict, the order is: signed DPA (for Customer Data only), these Terms, then other policies.

Survival. Sections on Fees owed, Your Content license (as needed to complete deletion), Service Data, Disclaimers, Limitation of Liability, Indemnification, Time Limit for Claims, Governing Law, Dispute Resolution and General survive termination.

Severability. If a provision is unenforceable, it will be enforced to the maximum extent permissible and modified only as needed, and the rest remains in effect.

No reliance. You confirm you have not relied on any statement not set out in these Terms.

Other. No waiver of any term is a continuing waiver. You may not assign these Terms without our written consent; we may assign as described in Assignment. Notices to you may be sent to your account email. We are independent contractors. There are no third-party beneficiaries except the app-store beneficiaries named in Mobile Application Terms. These Terms are in English; a French version may be made available where required by law.

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: 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 product liability claims, claims that the app fails to conform to any applicable legal or regulatory requirement, and 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 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 will be removed from active systems; associated personal data will be deleted except for data we are legally required to retain. Residual copies in backups are overwritten within 35 days.
  • 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.
  • You may export your data for 30 days after closure where the product allows; then invoices, templates, and other content you created are removed from active systems.
  • Account deletion is permanent and cannot be undone once export windows end.

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.

Mail: Southern East Inc., 222 Main St E, North Bay, ON P1B 1B1. Email: support@invoicemama.com.