Terms of Service

1. The service

Invco is an online invoicing platform that lets you design custom invoice templates, create and manage invoices and clients, send invoices by email from your own address, collect card payments through a payment provider account that you connect, and optionally automate invoicing through a built-in MCP integration with AI assistants such as Claude.

2. Accounts

You must provide accurate information when you register and keep your login credentials secure. You are responsible for all activity that happens under your account. You must verify your email address to use the service.

3. Plans and pricing

Invco is a paid product, priced by the number of companies you manage. Pro is $100/month for up to 5 companies; Unlimited is $499/month for unlimited companies and all features. Both plans add $10 per invoice you raise. We will make the current price clear before you are charged. Subscriptions renew monthly until cancelled. You can cancel at any time; see our Refund Policy for details.

If a subscription lapses, Invco restricts the creation of new records. It does not restrict access to what you have already created: you can continue to open, download and export your invoices, clients and payment history.

4. Your content and data

You retain all rights to the business data, clients, invoices, and templates you create in Invco (“Your Content”). You grant us only the limited rights needed to host, process, render, and deliver Your Content so we can provide the service to you. We do not sell Your Content.

Where Your Content includes personal data about your own clients, you are the controller of that data and Invco is your processor. Our Data Processing Agreement sets out those terms and forms part of these Terms.

5. Sending email from your address

If you connect your own email to send invoices, you are responsible for ensuring you have the right to send from that address and that your use complies with your email provider's terms and applicable anti-spam laws. You must only send invoices to recipients who expect to receive them.

6. Payment services

Invco is an integration platform, not a payment provider. Every business connects its own SumUp merchant account, and money moves from the payer to that merchant account directly. Invco never holds, routes, or settles funds, and never sees a card number — all card entry happens on SumUp's own hosted checkout.

Invco is not a party to any payment transaction between you and your customer. Your agreement with SumUp governs processing, fees, settlement timing, payouts, chargebacks, refunds and the standing of your merchant account. Invco does not hold client money, does not provide payment services within the meaning of the Payment Services Regulations, and does not act as an agent for the receipt of funds.

You are responsible for maintaining your own merchant account in good standing and for complying with your payment provider's terms, including their acceptable-use and prohibited-business rules. If your provider suspends, restricts or closes your account, Invco cannot collect payments on your behalf and is not liable for the consequences of that suspension.

You are responsible for the accuracy of every amount you charge, for issuing refunds where they are due, and for meeting your own tax obligations on money you receive. Refunds to your customers are issued through your payment provider, not by Invco.

Invco charges you for Invco. We do not take a percentage of your transactions; card processing fees are charged by your payment provider under your agreement with them.

7. Acceptable use

You agree not to use Invco to:

• Break the law or infringe anyone's rights;
• Send spam, fraudulent invoices, or deceptive content;
• Attempt to access other users' workspaces or data;
• Disrupt, reverse-engineer, or overload the service or its infrastructure;
• Resell the service without our written permission.

8. AI / MCP usage

The MCP integration lets an AI assistant act on your account using an API key you control. You are responsible for the keys you issue and the actions you ask an assistant to perform. You can revoke a key at any time from your settings.

9. Availability

We work to keep Invco available and reliable, but the service is provided on an “as is” and “as available” basis. We may modify, suspend, or discontinue features, and we may perform maintenance that temporarily affects availability.

10. Disclaimers

Invco helps you create and send invoices but is not an accounting, tax, or legal advisor. You are responsible for the accuracy of your invoices and for meeting your own tax and legal obligations.

11. Limitation of liability

To the maximum extent permitted by law, Invco will not be liable for any indirect, incidental, or consequential damages, or for lost profits or data, arising from your use of the service. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim.

12. Termination

You may stop using Invco and delete your account at any time. We may suspend or terminate accounts that violate these Terms. On termination, you may request an export or deletion of Your Content as described in our Privacy Policy.

13. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the date above and, where appropriate, notify you. Continued use after changes means you accept the updated Terms.

14. Governing law

These Terms are governed by the laws of Pakistan, without regard to conflict-of-law principles, unless otherwise required by your local law.

15. Contact

Questions about these Terms? Contact us at support@invco.pro. Data protection enquiries: privacy@invco.pro. Security reports: security@invco.pro.