effitrio

Terms of Service — Effitrio

Version: 1.1
Last updated: June 21, 2026

Table of Contents

  1. Acceptance of Terms
  2. Service Description
  3. User Accounts and Subscriptions
  4. Acceptable Use
  5. Your Content and Data
  6. Intellectual Property
  7. Service Availability and Support
  8. Disclaimers and Warranties
  9. Limitation of Liability
  10. Indemnification
  11. Account Termination
  12. Governing Law and Dispute Resolution
  13. EU and UK User Protections
  14. US Users — Specific Terms
  15. Data Protection and Privacy
  16. Changes to These Terms
  17. Severability
  18. Entire Agreement
  19. Contact Information

1. Acceptance of Terms

By accessing or using Effitrio ("we," "our," "us," or "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you may not access or use the Service.

These Terms apply to everyone who uses Effitrio — including visitors who use public tools without an account (for example the ZUGFeRD e-invoice generator) and registered users with an Effitrio account. Creating an account unlocks additional features (such as saved clients, invoice history, and email sending). If you use Effitrio on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.

For EU/EEA consumers: Mandatory consumer protection rights under your local law, EU Directive 2019/770 (Digital Content and Services), and the EU Consumer Rights Directive apply and are not overridden by these Terms. Where any clause in these Terms conflicts with applicable EU consumer protection law, EU law prevails.

2. Service Description

Effitrio is an AI-powered ERP mini tool suite that enables businesses to manage invoices, expenses, projects, and customer relationships. The Service includes free public tools (no account required) and account-based features when you register. The Service provides:

  • Public tools: Free utilities such as ZUGFeRD e-invoice generation (and other tools we may offer without sign-in), subject to the processing described in our Privacy Policy
  • Invoice Management (account): Create, customise, send, and manage professional invoices with payment tracking and history
  • Expense Tracking: Log and categorise expenses with receipt uploads and reporting
  • Project Management: Plan projects, manage tasks, assign team members, and track progress
  • Customer Relationship Management: Maintain client database, communication history, and transaction records
  • AI-Powered Features: Receipt scanning, chat assistance, insights, and AI goal planning (subject to plan limits and AI credits — see Section 3.5)
  • Background AI Watchers: Scheduled scans of your workspace (for example overdue invoices, missing receipts, stale drafts) that surface alerts and proposed goals in the Action Center — you approve before any mutating action runs (see Privacy Policy, Section 11.4)

We reserve the right to modify, suspend, or discontinue any aspect of the Service. Features may evolve as we improve the product. Material changes to core features or discontinuation of the Service will be communicated via email where practicable (see Section 16).

3. User Accounts and Subscriptions

3.1 Account Creation

Public tools do not require an account. To use account-based features, you must create an account. When creating an account, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Maintain the confidentiality of your password and credentials
  • Accept responsibility for all activities conducted under your account
  • Notify us immediately of any unauthorised access or use at support@effitrio.com

3.2 Free and Paid Plans

Effitrio offers a free account tier and paid subscription plans. Feature limits, pricing, and allowances for each tier are shown on our website, in the product, and in your account settings before purchase.

Paid subscriptions are processed via Stripe. By subscribing, you agree to the pricing and features displayed at checkout and the payment terms in Sections 3.3 and 3.4 below.

Pro Early Access (also referred to as Pro Beta) is coming soon. When offered, it will be available for a limited time and/or to a limited number of users, as announced at launch. Early-access pricing and eligibility may not remain available after the offer ends. Until Pro Early Access or standard Pro plans are available for purchase, the free tier terms apply.

3.3 Payment Terms

  • Billing: Subscriptions are billed monthly or annually as selected at signup
  • Currency: Prices are listed in Euros (EUR) or other currencies as shown at checkout, and exclude applicable taxes unless stated otherwise
  • Payment Processor: Payments are processed by Stripe. By subscribing, you authorise Stripe to charge your payment method on our behalf. We never store your full card details (see Privacy Policy)
  • Failed Payments: If payment fails, we will make reasonable attempts to notify you and retry. Repeated failures may result in account downgrade or suspension after notice
  • Taxes: You are responsible for any VAT, GST, or other taxes applicable in your jurisdiction
  • Price changes: We may change subscription prices or plan features with notice as required by applicable law. Existing subscribers will be notified before changes take effect on renewal where required

3.4 Cancellation and Refunds

You may cancel a paid subscription via your account settings. Upon cancellation:

  • Your subscription remains active until the end of the current paid billing period
  • Access reverts to free-tier features after the billing period ends
  • EU/EEA consumers (statutory withdrawal): Where the EU Consumer Rights Directive 2011/83/EU applies to a paid distance contract, you may have a 14-day right to withdraw — subject to national rules and any early-supply conditions for digital content. Accepting these Terms alone does not replace any separate checkout or consent step at purchase.
  • Refunds: No refunds for partial billing periods, unused subscription time, or unused AI credits outside statutory or other non-waivable rights in your jurisdiction

3.5 AI Credits and Usage

Certain AI features consume AI credits from your workspace's monthly allowance. Credits are a usage meter, not money, have no cash value, are non-refundable, and non-transferable.

Monthly allowance: Each plan includes a monthly AI credit allocation as shown on the pricing page and in your account. Allowances may differ by tier.

Credit reset:

  • Free tier: Your allowance resets on a rolling 30-day cycle from your last credit reset (or from when credits were first allocated to your workspace).
  • Paid subscriptions: Your allowance fully refreshes at the start of each paid billing period (aligned with your Stripe subscription period).
  • No rollover: Unused credits do not carry over to the next period. At each reset, your balance is set to the full allowance for your current tier and usage counters restart.

Credits deducted per action (each time the action completes successfully):

ActionCredits deducted
Receipt scan (single upload or each receipt in a bulk scan)5
AI chat / ask assistant query1
AI goal or watcher plan (when the AI planner runs)3

If your remaining balance is lower than the cost of an action, that AI action will be blocked until your credits reset or you upgrade to a plan with a higher allowance.

We may change credit costs or monthly allowances with reasonable notice. Current values are also reflected in the product where available.

3.6 Account Responsibility

You are responsible for all activities under your account and for maintaining the security of your credentials. Effitrio is not liable for any loss or damage resulting from unauthorised access caused by your failure to maintain account security.

4. Acceptable Use

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

  • Create fraudulent, misleading, or illegal invoices, or use the Service to defraud others
  • Transmit viruses, malware, ransomware, or other harmful code
  • Attempt to gain unauthorised access to the Service or related systems
  • Interfere with, disrupt, or attack the Service or its infrastructure
  • Use automated systems (bots, scrapers) without our explicit written permission
  • Impersonate any person or entity or misrepresent your affiliation
  • Collect or harvest personal information about other users without their consent
  • Resell, redistribute, or sublicense the Service without authorisation
  • Violate the intellectual property rights of Effitrio or third parties
  • Generate, store, or transmit illegal content of any kind
  • Harass, threaten, defame, or abuse other users or Effitrio staff

Violations of this Acceptable Use Policy may result in account suspension or termination. Where legally required, we will provide reasons and an opportunity to remedy the situation before termination (see Section 11).

5. Your Content and Data

5.1 Ownership

You retain full ownership of all invoices, expense records, projects, client data, and other content you create using the Service ("Your Content"). Effitrio claims no ownership over Your Content.

5.2 Licence to Effitrio

By using the Service, you grant Effitrio a limited, non-exclusive, worldwide, royalty-free licence to:

  • Store and process Your Content solely to provide the Service
  • Display Your Content to you and authorised workspace members
  • Back up Your Content for data recovery and disaster prevention
  • Use aggregated and fully anonymised data derived from Your Content for analytics and service improvement — this will never identify you or your clients

5.3 Data Processor Role

For data you enter about your clients, vendors, and business operations (client names, bank details, tax IDs, invoice records), you are the Data Controller and Effitrio is the Data Processor acting on your instructions under GDPR Article 28. See the Privacy Policy (Section 5) and contact privacy@effitrio.com to request a Data Processing Agreement (DPA).

5.4 Data Storage, Deletion, and Your Backup Obligations

Your Content is stored in our secure database for as long as your account is active. Effitrio provides storage tools, not legal, tax, or archival services. You are solely responsible for:

  • Exporting and maintaining independent backups of invoices, receipts, exports, and other records you must keep under applicable law
  • Ensuring your records remain available for audits, tax filings, and disputes regardless of Service availability, account deletion, or plan changes

You can delete individual records at any time via the dashboard. Upon account termination, Your Content is deleted within 30 days, except limited billing or legally required records as described in the Privacy Policy.

5.5 Content Responsibility

You are solely responsible for the accuracy, completeness, and legality of all content you upload or create. You represent and warrant that:

  • All information you provide is accurate and truthful
  • You have the legal right to process and share the data you enter, including any third-party personal data (client names, emails, etc.)
  • Your use of the Service complies with all applicable laws including data protection laws
  • Your invoices comply with tax laws, invoicing requirements, and regulations in your jurisdiction

Effitrio does not verify or validate the information you provide. You are responsible for ensuring compliance with all tax, legal, and regulatory requirements.

The Service is a software tool for invoice generation and business management. It does not constitute tax, legal, financial, or accounting advice and is not a substitute for a qualified tax advisor, accountant, or lawyer (including, where applicable, a Steuerberater or similar professional in your jurisdiction).

You must independently verify all tax calculations, invoice content, exports, and AI-generated suggestions before relying on them. Effitrio does not act as your tax representative or fiduciary.

5.7 E-Invoicing and ZUGFeRD

Where the Service generates ZUGFeRD, PDF, XML, or similar e-invoice outputs:

  • Formats such as ZUGFeRD BASIC are entry-level options and may not satisfy every legal or recipient requirement (for example EN 16931, XRechnung, or specific B2B mandates in your jurisdiction)
  • Automated validation checks (where offered) are best-effort and do not guarantee acceptance by tax authorities, clients, or platforms
  • You are responsible for confirming format and content requirements with your recipients and advisors before sending or archiving documents

6. Intellectual Property

6.1 Service Ownership

The Service — including its design, functionality, features, software, code, templates, and all original content — is owned by Effitrio and is protected by applicable copyright, trademark, and intellectual property laws. All rights are reserved.

6.2 Limited Licence

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal or business purposes. This licence does not include:

  • Copying or reproducing the Service or its source code
  • Modifying, altering, or creating derivative works
  • Reverse engineering, decompiling, or attempting to discover source code
  • Reselling, sublicensing, or redistributing the Service
  • Removing or obscuring proprietary notices or labels

6.3 Feedback Licence

If you provide feedback, suggestions, or ideas about the Service, you grant Effitrio a worldwide, perpetual, irrevocable, royalty-free licence to incorporate that feedback into the Service without any obligation or compensation to you.

7. Service Availability and Support

7.1 Uptime

We aim to maintain high availability but do not guarantee 100% uptime. The Service may be unavailable due to:

  • Scheduled maintenance (announced in advance where possible)
  • Technical failures, bugs, or infrastructure issues
  • Force majeure events (natural disasters, war, pandemics, severe weather)
  • Security incidents or necessary emergency patches

7.2 Service changes

We continuously improve Effitrio. The Service may change over time (new features, limits, or interface updates). We do not delete your stored account data without cause, except as described in these Terms, our Privacy Policy, or when required by law. Scheduled maintenance or incidents may temporarily affect availability.

7.3 Support

Support is available via email at support@effitrio.com. We aim to respond to support requests within 5 business days; response times are not guaranteed.

8. Disclaimers and Warranties

8.1 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

EU/EEA consumers: Mandatory statutory warranties under EU Directive 2019/770 on digital content and services apply and cannot be excluded by this clause. This disclaimer applies to the maximum extent permitted by applicable law.

8.2 No Professional Advice

The Service does not provide tax, legal, financial, or accounting advice and is not a substitute for qualified professional advisors. You are solely responsible for:

  • Ensuring invoices and exports comply with laws and regulations in your jurisdiction
  • Verifying the accuracy of all tax calculations, invoice content, and AI outputs
  • Complying with all record-keeping, retention, and invoicing requirements applicable to you
  • Maintaining your own backups and archives of business and tax records
  • Seeking professional advice where required

We do not guarantee that invoices, e-invoice files, or other outputs generated through the Service will meet all legal or regulatory requirements in every jurisdiction or for every recipient.

8.3 AI Features Disclaimer

AI-powered features (receipt scanning, chat, summarisation, insights, goal planning, and background workspace watchers) are provided on an experimental basis and may use third-party LLM providers when you initiate certain AI features (see Privacy Policy, Section 11). Background watcher scans run against your workspace data in our database; watcher-proposed goals that could send messages or change records require your explicit approval before execution (human-in-the-loop — see Privacy Policy, Section 11.4).

AI outputs may be inaccurate, incomplete, or misleading. Always review AI-generated content carefully before relying on it or approving a goal. You are solely responsible for all decisions and actions taken based on AI suggestions.

9. Limitation of Liability

9.1 Exclusions

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EFFITRIO SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, customers, or business opportunities
  • Service interruptions, unavailability, or errors
  • Data loss, corruption, or unauthorised access
  • Inaccuracies in invoice calculations or content
  • Tax, legal, or regulatory non-compliance
  • Reliance on AI-generated content or suggestions
  • Your failure to maintain independent backups or statutory records

9.2 Liability Cap

Effitrio's total aggregate liability for any and all claims arising from or related to these Terms or the Service shall not exceed the greater of:

  • (a) the total fees you paid to Effitrio in the 12 months preceding the claim, or
  • (b) EUR 100

9.3 Mandatory Rights Preserved

German/EU law users: Nothing in this Section limits liability for:

  • Death or personal injury caused by our negligence (§§ 276, 278 BGB)
  • Fraudulent misrepresentation or wilful misconduct (Vorsatz)
  • Gross negligence (grobe Fahrlässigkeit)
  • Liability under the German Product Liability Act (ProdHaftG)
  • Any other liability that cannot be excluded under applicable mandatory law

10. Indemnification

You agree to indemnify, defend, and hold harmless Effitrio, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from or related to:

  • Your use of the Service in violation of these Terms
  • Your violation of any applicable laws or regulations
  • Your violation of third-party rights, including intellectual property or data protection rights
  • Any content or data you upload or create using the Service
  • Claims by third parties regarding your invoices, business practices, or data handling

EU consumers: This indemnification clause does not apply where you are acting as a consumer and the claim arises from Effitrio's own breach or negligence.

11. Account Termination

11.1 Termination by You

You may terminate your account at any time by:

  • Deleting your account through your account settings
  • Emailing support@effitrio.com with a termination request

Upon termination, your right to use the Service ceases immediately. Your data will be deleted within 30 days (except records retained as described in the Privacy Policy). No refunds are issued for remaining subscription time or unused AI credits outside any statutory withdrawal or other rights that apply to you.

11.2 Termination by Effitrio

Effitrio may suspend or terminate your account if:

  • You materially violate these Terms or any applicable laws
  • You engage in fraudulent, illegal, or harmful activities
  • Your account is inactive for 12 or more consecutive months
  • Your payment fails and is not resolved within 7 days of notice (when a paid subscription applies)
  • We are legally required to do so

Process: We will provide written notice of the reason for termination where legally permissible and required. For EU users, we will comply with platform accountability obligations under the EU Digital Services Act (DSA) where applicable, including providing a statement of reasons and access to an internal complaint mechanism.

11.3 Effect of Termination

Upon termination, all licences granted to you under these Terms terminate immediately. Provisions that by their nature should survive termination (including Sections 5.1, 6.1, 9, 10, 12) will survive.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the Federal Republic of Germany, specifically including the German Civil Code (BGB) and applicable EU regulations, without regard to conflict of law principles.

Why German law: Effitrio is operated by a Germany-based individual. Under EU Regulation 593/2008 (Rome I), for consumer contracts with EU residents, the mandatory consumer protection provisions of the consumer's country of residence always apply regardless of any choice of law clause.

12.2 Dispute Resolution for EU/EEA Users

We strongly encourage resolving disputes through direct contact first at legal@effitrio.com. If we cannot resolve a dispute within 30 days:

  • Jurisdiction: The courts of Baden-Württemberg, Germany shall have non-exclusive jurisdiction
  • EU Online Dispute Resolution: EU consumers may also use the European Commission's online dispute resolution platform at https://ec.europa.eu/consumers/odr. Our contact for ODR: legal@effitrio.com
  • Courts: EU consumers retain the right to bring claims before their local courts regardless of this clause

12.3 Dispute Resolution for Non-EU/EEA Users

For users outside the EU/EEA (including the United States and Canada), any dispute arising out of or relating to these Terms or the Service shall be resolved as follows:

  1. Good-faith negotiation between the parties (minimum 30 days), starting with notice to legal@effitrio.com.
  2. If still unresolved, binding individual arbitration in English, with a single arbitrator, administered under the rules and seat below according to your country of residence:
    • United States: JAMS under its Comprehensive Arbitration Rules and Procedures (or successor rules then in effect). The seat of arbitration shall be within the United States, unless the parties agree otherwise in writing.
    • All other non-EU/EEA countries (including Canada): the Deutsche Institution für Schiedsgerichtsbarkeit (DIS) under its Supplemental Rules for Expedited Proceedings (or successor rules then in effect). The seat of arbitration shall be Stuttgart, Baden-Württemberg, Germany, unless the parties agree otherwise in writing.
  3. Judgment on the award may be entered in any court of competent jurisdiction.

Mandatory local rights: Nothing in this Section limits non-waivable rights to bring claims in the courts of your country of residence where such access cannot validly be excluded for consumers or users under the law applicable to you (for example in some Canadian provinces or other jurisdictions).

Further US-specific waivers and carve-outs are in Section 14.

13. EU and UK User Protections

The following protections apply to users in the EU, EEA, and United Kingdom and cannot be waived by these Terms:

  • 14-day withdrawal right on new paid subscriptions where the EU Consumer Rights Directive 2011/83/EU applies — subject to national rules and any early-supply conditions for digital content (see Section 3.4)
  • Conformity requirements for digital services under EU Directive 2019/770 — the Service must function as described
  • Transparent pricing — no hidden fees; all charges disclosed before purchase
  • EU Data Act rights — you have the right to switch to a competing service and we will facilitate portability of your data on request (see Privacy Policy, Section 7.1)
  • DSA compliance — for account restrictions or terminations, we will provide a statement of reasons and access to a complaint mechanism
  • GDPR rights — as described in full in the Privacy Policy (Section 7)

14. US Users — Specific Terms

For users in the United States:

  • No class action: You waive the right to participate in any class action lawsuit related to the Service
  • Individual arbitration: Disputes are resolved by individual binding arbitration under Section 12.3 (JAMS, with the seat in the United States)
  • No jury trial: To the extent permitted for arbitrated claims, you waive the right to a jury trial for claims related to these Terms
  • Small claims court: Nothing prevents you from filing an individual claim in small claims court
  • State rights: Your privacy rights under state law (CCPA, Colorado CPA, etc.) are preserved as described in the Privacy Policy (Section 8)
  • "Shine the Light": California residents may exercise rights under Cal. Civil Code §1798.83 by contacting privacy@effitrio.com

15. Data Protection and Privacy

Your use of the Service is also governed by our Privacy Policy (available at www.effitrio.com/privacy), which is incorporated into these Terms by reference. Key points:

  • Effitrio acts as Data Controller for your account data (name, email, usage logs)
  • Effitrio acts as Data Processor for business data you enter (client records, invoices, financial data) — you are the Data Controller for this data
  • EU/EEA business users may request a Data Processing Agreement (DPA) at privacy@effitrio.com (GDPR Art. 28)
  • For full details on data collection, legal bases, retention, and your rights, see the Privacy Policy

By accepting these Terms, you also confirm you have read and understood the Privacy Policy.

16. Changes to These Terms

We may update these Terms and our Privacy Policy at any time at our discretion.

How we notify you:

  • Minor changes (for example clarifications, formatting, or updates that do not materially affect your rights or how the Service works) take effect when posted on this page. We update the "Last updated" date; we do not typically send email for minor changes.
  • Material changes (for example changes to pricing, billing, your obligations, liability, or how we handle your data in a significant way) will be posted on this page and, where practicable, communicated by email to your registered address.

Your acceptance:

  • When you log in after a policy update, we may ask you to review and accept the current Terms and Privacy Policy before continuing to use account features.
  • If you continue to use the Service after changes take effect — including by logging in and accepting, or by using the Service without objecting — that constitutes acceptance of the updated Terms.
  • If you do not agree, you must stop using the Service and may delete your account.

Nothing in this Section limits any non-waivable rights you have under applicable consumer or data protection law.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy (www.effitrio.com/privacy) and any applicable Data Processing Agreement, constitute the entire agreement between you and Effitrio regarding the Service and supersede all prior agreements, understandings, and representations.

19. Contact Information

Legal Inquirieslegal@effitrio.com
Privacy & Data Requestsprivacy@effitrio.com
Supportsupport@effitrio.com
Websitewww.effitrio.com

These Terms of Service were last reviewed and updated on June 21, 2026.