Terms of Use

1. Acceptance of Terms

By accessing or using the Invoice Exchange platform ("Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms apply to all visitors, users, and others who access or use the Service.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

2. Description of Service

Invoice Exchange is a B2B invoice management and financing platform that enables:

• Suppliers to create, send, and manage invoices
• Buyers to receive, approve, and pay invoices
• Early payment financing through invoice discounting
• Marketplace for invoice trading and factoring
• Analytics and reporting for cash flow management

The Service is provided on an "as is" and "as available" basis. We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time.

3. User Accounts

To access certain features of the Service, you must register for an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use the Service. Business accounts must be registered by authorized representatives.

4. Invoice Transactions

When using the Service for invoice management and transactions:

• All invoices must represent genuine business transactions
• Users are responsible for the accuracy of invoice information
• Payment terms and conditions are agreements between parties
• Invoice Exchange does not guarantee payment from buyers
• Disputes between parties must be resolved according to applicable law

5. Marketplace and Financing

The Invoice Exchange marketplace allows eligible invoices to be listed for early payment financing. By participating in the marketplace:

• Suppliers acknowledge that listed invoices may be purchased at a discount
• All financing transactions are subject to separate financing agreements
• Invoice Exchange may charge fees for marketplace services
• Approval for financing is at the sole discretion of financing partners
• Users must comply with all applicable financial regulations

6. Fees and Payments

Certain features of the Service may be subject to fees. By using fee-based features, you agree to pay all applicable fees as described on the platform. All fees are:

• Quoted in the applicable currency and exclusive of taxes unless stated otherwise
• Non-refundable unless otherwise specified
• Subject to change with reasonable notice
• Due according to the payment terms specified

7. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Creating fraudulent invoices or misrepresenting transaction information
• Using the Service for money laundering or other illegal activities
• Attempting to gain unauthorized access to the Service or other accounts
• Interfering with or disrupting the Service or servers
• Violating any applicable laws, regulations, or third-party rights
• Uploading malicious code, viruses, or harmful content
• Collecting user information without consent
• Using automated systems to access the Service without permission

8. Intellectual Property

The Service and its original content, features, and functionality are owned by Invoice Exchange and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain ownership of any content you submit through the Service, but grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content for the purpose of providing the Service.

9. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to the collection and use of information as described in our Privacy Policy.

We implement appropriate technical and organizational measures to protect your data, including encryption, access controls, and regular security assessments.

10. Limitation of Liability

To the maximum extent permitted by law, Invoice Exchange shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, data, or business opportunities
• Damages arising from non-payment of invoices by buyers
• Losses resulting from marketplace transactions
• Service interruptions or technical failures
• Third-party actions or content

11. Indemnification

You agree to indemnify, defend, and hold harmless Invoice Exchange and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

12. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination:

• Your right to use the Service will immediately cease
• Outstanding payment obligations remain enforceable
• Data retention will be handled according to our Privacy Policy
• Provisions that should survive termination will remain in effect

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved in the courts of Delaware.

14. Contact Information

If you have any questions about these Terms, please contact us at: