Terms & Conditions

Effective date: June 9, 2026

Last updated: October 22, 2026

These Terms & Conditions ("Terms") govern your access to and use of bizvoid l.l.c. ("we," "us," "our") and its product, BizVoid (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

BizVoid is a lead-generation and outreach tool that helps users discover local businesses, audit publicly available information about their websites, and generate draft outreach materials. Depending on your plan, features may include area ("zip") scans, website ("URL") audits, AI-generated pitches and reports, saved leads, a chat assistant, API/MCP access, and team seats. Specific limits per plan are described on our pricing page and may change.

These Terms govern the Service described above. They do not govern the separate BizVoid creator program (Bizvoid Creator Payouts), open to independent creators who produce content featuring BizVoid and may be compensated for it. Participation in that program is governed by each creator's own Creator Content Agreement with us and by the privacy notice and terms of use published on ops.bizvoid, the app bizvoid also uses to run staff operations and the Bizvoid Creator Payouts program, where creators log in to submit content and track payouts.

2. Eligibility & Accounts

You must be at least 18 years old and able to form a binding contract. You are responsible for your account credentials and for all activity under your account. Keep your password secure and notify us promptly of any unauthorized use. Information you provide must be accurate and kept up to date.

Sanctions & export control. The Service is not available in, and may not be accessed or used from, any country or region subject to comprehensive United States sanctions — currently Cuba, Iran, North Korea, Syria, and the Crimea, Sevastopol, Donetsk, and Luhansk regions of Ukraine. By using the Service you represent that you are not located in, organized under the laws of, or ordinarily resident in any such jurisdiction; that you are not listed on any US government restricted-party list (including OFAC's Specially Designated Nationals and Blocked Persons List); and that you will not use the Service for the benefit of any such person or jurisdiction. We may block access from these jurisdictions and suspend or terminate any account we reasonably believe violates this section.

3. Subscriptions, Billing & Auto-Renewal

• Paid plans are billed in advance on a recurring basis (monthly or annual) through our payment processor.
• Subscriptions renew automatically at the then-current rate until cancelled. You authorize us to charge your payment method for each renewal.
• If a payment fails, we retry it and your plan stays active for 14 days. If it is still unpaid after 14 days, your account moves to the Free plan, but your subscription is not cancelled: it stays open and keeps billing at each renewal until you cancel it, and unpaid amounts are charged when a payment succeeds. Paying what is due restores your plan straight away. Some banks require you to approve recurring payments; until you do, the payment counts as failed. If you cancel a subscription while it is unpaid, it ends immediately and the unpaid amounts are cleared.
• You may cancel at any time from your account settings; cancellation stops future renewals but does not, by itself, entitle you to a refund of amounts already paid except as described in our Refund Policy.
• We may change prices or plan features with reasonable notice; changes apply to the next billing cycle.
• You are responsible for any taxes associated with your purchase unless we are required to collect them.
• Subscription credits & monthly rollover. Each subscription plan includes a monthly allotment of usage credits that refreshes at the start of every billing cycle. Unused subscription credits do not carry over, except on the Pro and Agency plans, which include a 10% monthly rollover: 10% of your remaining (unused) subscription credit balance at the end of a billing cycle carries forward to the next cycle. Rollover applies to subscription credits only; it does not apply on the Free or Starter plans, and it is separate from credit-pack credits (see Section 4).

4. Credit Packs

• Credit packs are one-time purchases that add usage credits to your account and, unless stated otherwise at purchase, do not expire and may be used alongside a subscription.
• Credits have no cash value, are non-transferable, and are consumed as you use the associated features.
• Refunds for credit packs are governed by our Refund Policy.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law, including anti-spam, marketing, data-protection, and privacy laws.
• Use scans, audits, or any feature against systems or websites you are not authorized to assess, or in any way that disrupts or attempts to gain unauthorized access to a third party's systems.
• Resell, sublicense, scrape, or redistribute the Service, its data, or its outputs except as expressly permitted by your plan.
• Circumvent or attempt to circumvent usage limits, rate limits, billing, or access controls.
• Reverse engineer, interfere with, or overload the Service or its infrastructure.
• Upload or transmit malicious code, or use the Service to harass, defraud, or harm others.

We may suspend or terminate accounts that violate this section.

6. AI-Generated Content & No Guarantee of Results

Pitches, audits, reports, and similar outputs are generated by automated systems and may contain errors, omissions, or inaccuracies. You are solely responsible for reviewing, editing, and verifying any output before relying on or sending it. We do not guarantee that the Service will produce any particular result, lead, response, or revenue.

You are solely responsible for your outreach and how you use generated content, including compliance with all applicable anti-spam and electronic-communication laws (for example, CAN-SPAM, CASL, GDPR, and similar). You represent that you have a lawful basis to contact any recipient you reach using the Service.

7. Third-Party Services & Data

The Service relies on third-party providers (for example, search, mapping, performance, security-analysis, AI inference, and payment providers). Business and website information surfaced by the Service is drawn from third-party and publicly available sources and is provided "as is" without any warranty of accuracy, completeness, or fitness. Your use of third-party-sourced data must comply with applicable laws and any applicable third-party terms. We are not responsible for third-party services or their availability.

8. Intellectual Property & License

Our platform. bizvoid l.l.c. and its licensors own all rights, title, and interest in and to the Service and the platform that powers it, including all source code, software, algorithms, models, design, user interface, look and feel, documentation, and trademarks (the "Platform"). Nothing in these Terms transfers any ownership of the Platform to you. Subject to these Terms and your active plan, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal business purposes. You may not copy, modify, distribute, sell, or create derivative works of the Platform, except as expressly permitted by these Terms.

Your content and output. As between you and us, you own the content you input into the Service ("Input"). Subject to your compliance with these Terms and payment of applicable fees, you own the outputs the Service generates from your use of it ("Output") — including generated website code, pitches, audits, and reports — and bizvoid l.l.c. claims no ownership of your Output. You grant us a limited license to host, process, and use your Input and Output as needed to operate, secure, support, and improve the Service. You are responsible for your Input and Output as described in Sections 6 and 16, and Output is provided without warranty as set out in Section 10.

Automatic deletion of scans, audits, leads and pitches after 90 days. Discover scan results, the audits listed on the Audit tab, saved leads, saved audits and pitches are deleted automatically 90 days after they were added. For scan results and listed audits, the 90 days run from the scan, and a new scan starts them over; for saved audits and pitches, they run from when the audit or pitch was last saved, re-run or regenerated. A saved lead, saved audit or pitch is not deleted while you or your agency team still use it, that is, while it is in your Pipeline, at any stage from Found to Won; is linked to a Site Builder design, a deployed site or a site you connected to the Service; is linked to one of your clients, a client invoice or a business contact profile; is for a business you called with Cold Call Coach; has the phone number of one of your AI agents, or of a business one of your agents works for; or, for a saved audit, has competitors you unlocked. It is also not deleted while you or your agency team have another saved lead, saved audit or pitch for the same business that is still inside its own 90 days, so a pitch that is still live keeps the older lead and audit for that business. Deleted items cannot be restored, and their deletion does not entitle you to a refund of any credits used to create them. You are responsible for exporting or copying anything you want to keep before it is deleted. Our Privacy Policy describes this in more detail.

Automatic deletion of unused cinematic art after 60 days. AI art and videos made for cinematic themes that are never used to build a site are deleted automatically after 60 days. The 60 days run from when you last changed the art, and this includes any photo you uploaded for it. Art on a built site stays as long as the site does. Deleted art cannot be restored, and its deletion does not entitle you to a refund of any credits used to make it. Our Privacy Policy describes this in more detail.

9. Privacy

Your use of the Service is also governed by our Privacy Policy at /privacy, which explains how we collect and process personal data.

Data Processing Addendum. Our Data Processing Addendum at /dpa is part of these Terms. It applies to the personal data of your own customers, clients, callers and other contacts that we process for you, and by accepting these Terms you also accept it.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL. OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID TO US IN THE 3 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

12. Indemnification

You agree to indemnify and hold us harmless from claims, damages, and expenses arising out of your use of the Service, your content or outputs, your outreach, or your violation of these Terms or applicable law.

13. Suspension & Termination

We may suspend or terminate your access at any time for violation of these Terms, suspected fraud or abuse, non-payment, or to comply with law. You may stop using the Service at any time. Sections that by their nature should survive termination will survive.

Deleting your account. You can delete your account at any time from Settings → Account → Delete account (the "Danger" zone). It is not deleted immediately: your account is closed straight away and permanently deleted 30 days later, and until then you can restore it. Deleting your account does not by itself entitle you to a refund except as described in our Refund Policy. If you are unable to use the self-serve option, you may request deletion by emailing support@bizvoid.com.

What happens straight away. You are signed out on every device and can no longer use the Service, except to restore your account. Every subscription we bill you for is cancelled at once, including your plan, agency seats, recurring agent top-ups and bizvoid numbers for you or your clients, and cancelled numbers are released and may not be recoverable. Your account moves to the Free plan and your agents are paused. If you own an agency, it is dissolved and its members are moved to the Free plan. Your client billing account and your clients' subscriptions are left as they are until permanent deletion is due. We email you when you delete your account, 7 days before it is permanently deleted, and the day before.

Restoring your account. Until your account is permanently deleted, you can restore it by signing in and following the steps shown, or from the restore link in our emails. Restoring brings back your account and the data we still hold, including your leads, saved audits, pitches, websites, purchased credits and agent balance. It does not bring back what was cancelled: your subscriptions stay cancelled and you stay on the Free plan until you subscribe again, released numbers are not returned, your agents stay paused until you turn them back on, and agency members are not added back.

Permanent deletion. We permanently delete your account in our first daily deletion run on or after the 30th day after you deleted it. When it is due, we cancel your clients' subscriptions, even if the rest of permanent deletion has to wait. If your client billing account cannot be closed yet, for example because a client invoice is still open or money is still held on it, permanent deletion waits and we try again each day. When it runs, we close your client billing account and delete your account, profile and settings, your leads, saved audits, generated pitches, website designs, form submissions, call and text records, voicemails, call transcripts, appointments, your agent balance and its history, your AI agents with their settings, prompts and greetings, campaigns, call consent records and qualification answers, and the files you uploaded or we stored for you: logos, profile photos, images, videos, website files and previews, and resumes sent through your websites' forms. If you own an agency, we also delete the agency and its clients, with their agents. Any agent balance or credits you had are lost. This cannot be undone, and we cannot restore the account or its data afterwards. If you would rather not wait 30 days, ask us at support@bizvoid.com and we can permanently delete your account straight away.

What we keep. After permanent deletion we keep:

• a record of your plan, when your account was created and deleted, who started the deletion, and how many scans, pitches and searches you used, without your name or email and linked only to a one-way code made from your account ID;
• records of security, fraud and billing checks on your account, which can include your account ID and IP address, with your email address removed;
• support requests you sent us and our replies;
• our own cost and money records, including what your calls and texts cost us and any disputes or balance recoveries on your client billing account; and
• the records Stripe, our payment processor, keeps of your payments under its own policies.

A logo you uploaded for an agency you do not own stays while that agency uses it. Websites you published to your own Netlify account or GitHub repository stay there, but any of your images or videos they show from our servers stop loading. We may also keep other records where the law requires or allows us to, or to resolve disputes and enforce our agreements. We do not use any of these records to re-create your account.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by reasonable means. Your continued use after changes take effect constitutes acceptance.

15. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules. The Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions in this section.

Informal resolution first. Before starting a formal proceeding, you agree to try to resolve the dispute informally by emailing support@bizvoid.com with a description of the issue and the relief you seek. We will attempt in good faith to resolve it. If a dispute is not resolved within 30 days of that notice, either party may proceed as set out below.

Binding individual arbitration. Except for the matters carved out below, any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be settled by final and binding arbitration administered by a recognized arbitration provider (such as the American Arbitration Association) under its rules then in effect for consumer or commercial disputes, as applicable. The arbitration will take place in Texas, or — at your election — by telephone, video, or written submissions only. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver. Disputes will be conducted only on an individual basis and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims. If this waiver is found unenforceable as to a particular claim, that claim (and only that claim) will be severed and brought in court.

Exceptions. Either party may (a) bring an individual claim in a small-claims court that has jurisdiction, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information.

Court venue. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Texas, United States.

30-day opt-out. You may opt out of this arbitration and class-waiver agreement within 30 days of first accepting these Terms by emailing support@bizvoid.com with your account email and a statement that you wish to opt out of arbitration. Opting out does not affect any other part of these Terms.

Nothing in this section limits any non-waivable right you may have to bring a claim in your local jurisdiction where applicable law so requires.

16. Third-Party Repository Uploads & Owner Permission

The Service lets you generate website content and export or push it to third-party repositories and hosting destinations, including GitHub. You represent and warrant that, for every business or brand for which you generate, export, upload, or publish content, you have obtained all rights, authorizations, and permissions required from that business or brand owner. You agree not to upload, push, publish, or otherwise transfer generated content to any repository or hosting destination unless you have the express permission of the relevant business owner. You are solely responsible for your use of generated content. You agree to indemnify, defend, and hold harmless bizvoid l.l.c. and its affiliates from any claim, demand, loss, or damages arising out of or related to content you generate, export, upload, or publish, including any upload made without the business owner's permission. bizvoid l.l.c. does not endorse and is not responsible for content created or uploaded by users.

17. SMS & Text Messaging Communications

bizvoid's texts to you. If you add or confirm a phone number in bizvoid, or an agency you work with asks to confirm your number, bizvoid texts a one-time verification code to that number, only when one is requested.

Texts from businesses that use bizvoid. Each business texts from its own bizvoid number, under its own name, about appointments, missed calls, payments, reviews and offers, and in reply to texts. Its owner and staff can get its alerts and forwarded texts at a phone they confirmed in bizvoid. Anyone else gets its texts only after texting it first or agreeing to get them: on its booking page, on a form, by pressing 1 on a call it missed, or by saying yes when it asks on a call, which its first text confirms. That business's own texting terms say what it sends and how often, and are linked wherever you agree on a page.

How you agree to texts about an appointment.

• On a booking page, or a booking form a business sends to bizvoid: two optional boxes, one for texts about the appointment and one for one request for a review after it. You can book with neither ticked and get email instead.
• When a business adds your appointment itself: it texts you only after you reply YES to its number, or tick the box for texts on your booking's own link. It asks you by email or in person, never by text.
• When a business uploads your appointment from a list, or sends it from another booking tool without your answer: you are texted only where you said yes, and otherwise get email.
• On a call: saying yes when its AI agent asks means texts about that appointment, and the first one confirms your yes.

A review request is only texted to someone who ticked that box. Nobody is asked for a review by text on a business's word, a list's or a yes on a call.

Message frequency varies. Message and data rates may apply.

Opt-out and help. Reply STOP to any text to stop texts from that business. Reply HELP for help. For help with bizvoid's own texts, email support@bizvoid.com.

Carriers are not liable for delayed or undelivered messages.

See our Privacy Policy at /privacy for how we handle your phone number.

18. AI Voice Agents — Your Obligations as Sender

This section governs the Agents feature: automated voice agents that answer

calls on a number you control, and automated SMS sent on your behalf.

You are the sender. Messages and calls originate from your number and are

attributed to your business. For legal purposes you are the sender and the

caller, and you are responsible for the consent, content and timing of every

message and call your agents make. Bizvoid provides the tooling; it does not

supply, verify or warrant that you hold consent to contact anyone.

Consent is your obligation. You represent that you have the legally

required consent to contact each recipient. In the United States this

includes the Telephone Consumer Protection Act (TCPA) and applicable state

law; elsewhere it includes the equivalent local rules. You must not use an

agent to contact numbers obtained without consent, numbers on an applicable

do-not-call list, or numbers you have no prior relationship with where one is

required.

Opt-out handling. Every agent SMS carries an opt-out instruction. Replies

of STOP, STOPALL, UNSUBSCRIBE, CANCEL, END or QUIT stop every text from your

account's bizvoid numbers to that number, not only your agents' texts, and

START, UNSTOP or YES resumes them. You may configure additional keywords, but

you cannot disable the standard ones.

Opt-outs are recorded and enforced before any message is sent or charged.

Circumventing this — by re-adding an opted-out number under another account,

or by routing around the agent — is a material breach and grounds for

immediate termination.

Call recording and transcription. Voice agents transcribe calls in order

to respond, and audio is processed by third-party providers. Where your

jurisdiction requires notice or all-party consent to record or transcribe, you

are responsible for giving that notice.

Automated disclosure. Some jurisdictions require disclosure that a caller

is speaking with an automated system. Where that applies, you are responsible

for configuring your agent to disclose it.

Agent balance. Agents are paid for from a prepaid agent balance held in

US dollars, separate from your subscription and from usage credits. It is

prepaid credit for agent usage, not a deposit. It earns no interest, does not

expire while your account exists, and cannot be withdrawn, transferred or

exchanged for cash except by a refund under our Refund Policy. Any balance

left when your account is permanently deleted is lost.

Usage billing. Agent calls and texts are charged to your agent balance at

the per-minute and per-message rates shown on our pricing page and in the

Agents feature when the usage happens. Calls an agent answers and calls it

places in a campaign have separate per-minute rates. A call is charged when it

ends, for each minute or part of a minute it lasted, and is charged in full

even where that takes your agent balance below zero. A text is charged per

message just before it is sent. If it cannot be sent, the charge is returned;

a text that is sent but not delivered by the carrier is still charged. Calls

and texts made by agents you run for your clients are charged to your

balance. An agent can be switched on only with a card on file and at

least the minimum balance shown when you switch it on, and agents stop taking

calls, placing calls and sending texts when your balance cannot pay for them.

A call in progress is ended shortly before it would cost more than your

balance covers, after any auto-reload top-up: the agent says a short goodbye,

or hands the caller to your handoff number if you set one, and a call to your

number then goes to your voicemail, forward or text setting.

Amounts already spent are not refundable, including for calls or messages you

later consider unwanted.

Top-ups. You add to your agent balance by card, or from your client

billing balance where Section 19 allows it, in the amounts offered in the

Agents feature: as a one-time top-up, by auto-reload, or by a recurring

monthly top-up. You choose which of your saved cards, or your client billing

balance, pays for each. By turning on auto-reload, you authorize us to charge your

saved card the amount you choose each time your balance falls to or below the

level you set, until you turn it off. Auto-reload pauses after a declined

charge until you top up by hand. By turning on a recurring top-up, you

authorize a monthly charge of the amount you choose until you cancel it.

Cancelling stops future top-ups and does not refund earlier ones. Each top-up

is paid from one source. Where your client billing balance pays and cannot

cover a top-up, we charge your card instead only if you turned that on for it;

otherwise the top-up is not made, as if the card had been declined.

Wallets. You can set part of your agent balance aside in a wallet for one

of your clients or one of your agents. Money in a wallet is still agent

balance under these Terms, but only that client's agents, or that agent, can

spend it. An agent pays from its own wallet first, then its client's wallet,

then the rest of your agent balance. For each wallet you choose what happens

when it runs out: its agents keep working on the rest of your agent balance,

or they stop until you add money to it, as if your balance were empty. Unless

it re-ups itself, we tell you by email once each time it runs out. A call that runs past

what a wallet set to stop holds is still charged to that wallet in full, even

below zero. A wallet can re-up itself from the rest of your agent balance when

it falls to a level you set, or each month, and when the rest of your balance

cannot cover that, your auto-reload tops it up first. You can move money

between your agent balance and your wallets at any time. When you remove a

wallet, or delete the client or agent it is for, its money goes back to the

rest of your agent balance. A refunded or disputed top-up is taken back off

the rest of your agent balance, even where it was paid into a wallet.

Included agent credit. The Pro and Agency plans include a one-time agent

credit, added to your agent balance when you buy the plan or upgrade to it,

and not on renewals. It is promotional credit, not money you paid in: it has

no cash value and is never refunded, transferred or paid out. If the plan

payment it came with is refunded or reversed in a dispute, we remove the same

share of that credit from your balance, but only as far as it is still

unspent.

Refunded and disputed top-ups. If a top-up is refunded, or its payment is

disputed with your card issuer, we remove the refunded or disputed amount from

your agent balance, even where that takes the balance below zero. If the

refund fails, or the dispute is closed in our favour, we add the amount back.

Negative balance. While your agent balance is below zero, your agents do

not take or place calls or send texts. If you have auto-reload or a recurring

top-up turned on, we make one automatic attempt to clear it: we charge the card

that auto-reload or the recurring top-up uses for the amount you set, or for

the amount needed to bring the balance back to zero if that is more. We never

make that attempt on the card whose payment is disputed, on a card auto-reload has

already seen declined, from a recurring top-up that is paused or whose own

charge is disputed, or again if that automatic top-up is itself refunded or

disputed. If no attempt is made, or it fails, the balance stays on hold and

auto-reload stays paused until you top up by hand, and we will try to tell

you, by email and in the Agents feature. Apart from that one attempt, we do

not charge any card on file to recover a negative agent balance.

Texting registration fees. US carriers only deliver business texts from a

registered sender. The carriers' registration fees (a one-time brand

registration and campaign vetting fee, and a monthly campaign fee once the

campaign is approved) are passed on to you at cost, are shown before you pay,

and are never discounted. One-time fees are paid by card before anything is

submitted to the carriers, and the monthly fee is added to the subscription

for the bizvoid number the registration is for. Registering a rejected

campaign again is charged a new vetting fee. The Agency plan includes these

fees for the agency's own registration and for as many of its clients'

registrations as our pricing page states; further client registrations are

charged at cost to the agency. A team member's own registration is included

only while the agency shares its credits with its team; otherwise the team

member pays its fees at cost. If an account leaves the Agency plan, the monthly

fee for a registration the plan covered is added at cost from the number's

next renewal, and we email you before it is charged. Refunds of these fees are

governed by our Refund Policy.

Numbers for your clients. On the Pro or Agency plan you can buy a bizvoid

number for a client. Each is its own monthly subscription at the price shown when you

buy it, billed to your account, and it renews until cancelled. Where that

client's texting fees are not included in your plan, its monthly carrier fee

is added to the same subscription. When the subscription ends, whether

cancelled or unpaid after payment retries, we release the number and delete

that client's texting campaign with the carriers, and the number may not be

recoverable.

Our enforcement rights. We may suspend or disable any agent, or your

access to the feature, without notice where we reasonably believe it is being

used unlawfully, where carrier or provider complaints are received, or where

an upstream provider requires it. Carriers may independently filter or block

messages, and we do not guarantee delivery.

19. Client Billing and Payments to You

This Section governs the client billing feature, which lets you invoice your

own clients for work you deliver using the Service (for example a website you

build or an AI voice agent you configure for them). It does not govern what you

pay us for your own subscription or credit packs, which is covered by Sections

3 and 4, except that you can choose to pay for agent balance from your client

billing balance, as set out below.

You are the one selling. Your client is your customer, not ours. You set

your prices, decide what you deliver, and own the commercial relationship. We

provide the software that issues the invoice and moves the money. We do not

review, approve, endorse, or guarantee any work you bill for, and we are not a

party to your agreement with your client.

Stripe account required. Client billing runs on Stripe Connect. Before you

can invoice anyone you must create a connected Stripe account and accept the

Stripe Connected Account Agreement, including the Stripe Services Agreement,

directly with Stripe. Those terms are between you and Stripe. Stripe performs

its own identity and business verification, and may request documents, delay,

restrict, or decline your account for reasons Stripe does not disclose to us

and that we cannot overturn. Your ability to use client billing depends on

Stripe approving and maintaining your account.

Country availability. Client billing is available only where Stripe

supports it, and the level of support differs by country. Stripe determines

these lists and changes them at its discretion. We make no commitment that any

particular country is or will remain supported, and a country becoming

unsupported may end your access to this feature.

Two payment paths, and who holds the money. Which path applies is

determined automatically by the country of your connected account. You do not

choose it.

• Direct path. Where your country supports accepting card payments

directly, your client pays your connected Stripe account and the funds do not

pass through us at any point. You are the seller and you own the commercial

relationship with your client, including agreeing any refund. Because of the

type of connected account this feature uses, Stripe allocates liability for a

disputed card payment to us rather than to you, so we bear that loss in the

first instance. That does not make the dispute ours to resolve or its cost

ours to absorb: you remain responsible to us for the disputed amount and any

related fee, recoverable as described below.

• Collected path. Where your country can receive payouts but cannot accept

card payments directly, your client pays through our platform account and

Stripe forwards the proceeds to your connected account automatically. On this

path we are the merchant of record for the card transaction. We collect that

payment on your behalf as your limited payment collection agent, for the sole

purpose of settling it to you. Payment by your client to us on this path

discharges your client's payment obligation to you for that invoice, whether

or not we have settled it to you yet.

We act as a payment facilitator and software provider. We are not a bank, we do

not provide escrow, we do not hold funds for investment or safekeeping, we pay

no interest on any amount in transit, and nothing in this Section creates a

trust, fiduciary, partnership, joint venture, or employment relationship between

us.

Platform fee. We charge a single, all-in platform fee on each invoice,

retained automatically at the time of payment. You receive the remainder. The

rate depends on how your client's payment reaches you, which is determined by

the country of your connected account and not by you or by us:

• 4% where Stripe can collect card payments directly into your connected

account. Your client pays your account and the funds do not pass through us.

• 6.5% where Stripe cannot do that in your country. On this path your

client pays our platform account and Stripe forwards the proceeds to your

connected account. Such a payment crosses a border and ordinarily requires a

currency conversion, and Stripe charges more to process it for that reason.

Whichever rate applies, that single fee covers the cost of processing the

payment, which we pay to Stripe out of it. We do not add a separate card

processing charge, and there is no second deduction by us of any kind. The

applicable rate is shown to you before you send an invoice. We may change our

platform fee with reasonable notice, and a change applies to invoices created

after it takes effect.

Stripe may still charge you directly for payout or currency-conversion costs on

your own connected account. Those are set by Stripe, are separate from our

platform fee, and are not refunded by us.

Currency. Each invoice is denominated in the currency of your connected

account, determined by its country. We do not convert currencies and we do not

restate amounts already invoiced or already paid. Where a cross-border payout

involves a currency conversion, Stripe performs it at rates Stripe sets, and any

resulting difference is not our responsibility.

Payout timing. Stripe controls when settled funds reach your bank account

and may hold, delay, or reverse a payout under its own terms, including during

verification, review, or a dispute. On the direct path we also set your

connected account to pay out no sooner than 7 days after your client pays, or

longer where Stripe requires it in your country, so that money is on hand for

refunds and disputes. We may lengthen this delay for your account where your

refunds or disputes are high, and we will tell you if we change it. We do not

otherwise control payout schedules and do not guarantee any timing.

Publication tied to payment. You may choose to keep a site private until the

client invoice for it is paid. This is a convenience for your own collection

process and is not a security control, an escrow arrangement, or a guarantee of

payment. You may release a site at any time, including before payment, and if

you do so you accept the risk of non-payment. We do not withhold your work from

you, and we do not collect your invoices for you beyond issuing them and routing

the payment.

Refunds, disputes, and chargebacks. You are responsible for your clients'

refunds and chargebacks. Refunds to your clients are governed by your own

agreement with your client, not by our Refund Policy, which covers only what you

pay us. You can refund a paid invoice in full or in part from Client Billing. On

the direct path a refund comes out of your connected account's Stripe balance.

On the collected path it is issued from the funds attributable to that invoice

and we reverse the matching transfer to your connected account, so where those

funds have already been paid out to you, you are responsible for repaying the

refunded amount. Our platform fee on a refunded invoice is returned to the

extent Stripe returns the corresponding processing fee to us, and is otherwise

retained. Stripe does not return its processing fee on a refund.

If your client disputes a charge, the cardholder's bank decides the outcome, not

us and not you. On the direct path Stripe takes the disputed amount from your

connected account's balance, and on the collected path from ours. On both paths

Stripe charges a dispute fee, which it does not return even if the dispute is

won, and Stripe allocates to us any part of a dispute your balance cannot cover.

You must reimburse us for every disputed amount that is not returned, every

dispute fee, and any negative balance on your connected account, on either path,

and we may recover these as set out below. We will tell you when a dispute is

raised on an invoice you issued and pass on the evidence request, but the

evidence is yours to provide: you hold the contract, the correspondence, and the

proof of what you delivered, and a dispute defended without them is usually

lost.

Recovery of amounts you owe us. You authorize us, and Stripe acting on our

instructions, to recover any amount you owe us under this Section, including

refunds, disputed amounts, dispute fees, reversals, and negative balances, by

any of these means:

• debiting your connected account's Stripe balance and transferring the amount

to us (an account debit). For a dispute on an invoice you issued, we normally

collect Stripe's dispute fee this way when the dispute is opened;

• reversing transfers made to your connected account;
• having Stripe debit the bank account linked to your connected account when

its balance is negative;

• deducting it from amounts otherwise payable to you; or
• invoicing you directly.

This authorization is your legally binding consent to those debits. It

continues until everything you owe us under this Section is paid, and it, like

our right of recovery, survives termination of these Terms. We do not charge

the payment method on file for your own subscription to recover any amount

under this Section.

Paying for agent balance from your client billing balance. If your

connected account is in the United States, you can choose to pay for agent

balance top-ups (a one-time top-up, auto-reload or a recurring monthly

top-up, for your agent balance or one of its wallets) from your connected

account's available Stripe balance instead of a card. You choose this for each

of them, and you can change it at any time. When you accept this on the

payment step, you authorize us, and Stripe acting on our instructions, to

debit your connected account's Stripe balance and transfer to us the amount of

each top-up you set up to be paid this way, when it is made: once for a

one-time top-up, each time your balance falls to the level you set for

auto-reload, and each month for a recurring top-up, until you turn it off or

choose a card instead. This authorization is your legally binding consent to

those debits. We debit only the amount of the top-up, only from your available

balance, and we add the top-up to your agent balance only once the debit has

gone through. A top-up your available balance cannot cover is not debited: we

charge your card instead only if you turned that on for it. Money paid this

way is agent balance under Section 18 and our Refund Policy, and a refund of it

is returned to your connected account.

Taxes. You are solely responsible for determining, collecting, reporting,

and remitting any tax arising from what you sell to your clients, including

sales tax, VAT, GST, and income tax. We do not calculate, collect, or remit tax

on your behalf, and an invoice issued through the Service is not tax advice.

Our platform fee is a fee for our software, separate from any tax you owe.

Tax forms and information reporting. Where the law requires a tax form to

be issued in respect of payments processed through your connected account, that

form is prepared and filed through Stripe, and Stripe delivers it to you

directly, normally by email and through its own document interface. Which form

applies, and whether any form is required at all, depends on your country, your

account type, the amount processed, and thresholds set by the relevant tax

authority. In the United States this is commonly a Form 1099-K.

You agree that:

• you will provide accurate and current tax information, including any taxpayer

identification number, when Stripe requests it, and will keep it up to date.

Stripe may withhold payouts, and we may suspend client billing, until

outstanding tax information is supplied;

• delivery of a tax form to you may be made electronically, and you consent to

electronic delivery where the law permits it;

• a tax form reports gross amounts processed and is not a statement of your

taxable income. It will not account for refunds, chargebacks, fees, or your

own costs, and you must not treat it as a calculation of what you owe;

• receiving no form does not mean you owe no tax. Thresholds determine

reporting, not liability;

• we are not responsible for the content, accuracy, timing, or delivery of any

form issued through Stripe, and any correction must be pursued with Stripe.

We may surface links to documents Stripe holds for your account inside the

Service as a convenience. Those documents are hosted and issued by Stripe, not

by us. We do not prepare them, do not store copies of them, and cannot amend

them. Nothing in this Section is tax advice, and you should take your own

professional advice on your obligations.

Your obligations when billing a client. You must:

• invoice only for goods or services you have actually agreed to provide to

that client, and describe them accurately;

• have the client's authorisation to bill them, and use a billing contact that

belongs to that client;

• not use client billing to process payments unrelated to work delivered

through the Service, to move money on behalf of a third party, to extend

credit, to sell anything prohibited by Section 5, or to evade any law

including those on money laundering, sanctions, and terrorist financing;

• not split, structure, or mischaracterise transactions to disguise their

nature or to avoid fees or limits;

• respond to your clients' billing questions and complaints yourself.

Suspension of client billing. We may suspend or disable client billing for

your account, without notice, where we reasonably believe it is being used in

breach of this Section, where Stripe restricts or closes your connected

account, where we receive credible complaints from your clients, or where a

provider, card network, or regulator requires it. We also pause new invoices

automatically when your clients dispute payments repeatedly, for example when

two disputes are open at once, or when the disputes opened in the last 90 days

are more than 1% of your payments in that time. Invoices you already sent can

still be paid while new invoices are paused, and the pause lifts as those

disputes close, or earlier after our review. On the direct path, if your

connected account's Stripe balance goes below zero and is still below zero 3

days later, or Stripe's debit of your linked bank account fails, we pause new

invoices until the balance is back to zero or above. Payments from your clients

count toward it, invoices you already sent can still be paid, and we email you

when the pause starts and when it lifts. Suspension of client billing does not

by itself entitle you to a refund of your subscription.

Our liability on this feature. The limits in Sections 10 and 11 apply in

full to client billing. In particular, we are not liable for your client's

failure to pay, for any loss arising from a delayed, held, reversed, or failed

payout, for any decision by Stripe or a card network about your account or a

transaction, or for any tax consequence of what you sell. Your indemnity in

Section 12 extends to claims brought by your clients arising from what you

billed them for.

20. Contact

Questions about these Terms: support@bizvoid.com · bizvoid l.l.c., Texas, United States.