Legal

Terms of service

The agreement between you and Bilio: plans and payments, your data, and what each of us is responsible for.

Effective date: 1 October 2026
Last updated: 7 October 2026

These terms apply when you use getbilio.com or the Bilio app (app.getbilio.com). By creating an account or using Bilio you agree to them. If you do not agree, please do not use Bilio.

1. Who we are

Bilio is a product of Stefka.com, based in Amsterdam, the Netherlands (“we”, “us”). Questions about these terms: [email protected].

2. What Bilio is

Bilio is invoicing and bookkeeping software for freelancers and small businesses: invoices, quotes, expenses, VAT reports and related tools. It is meant for business use.

3. Your account

  • You must give accurate details and keep your sign-in secure. You are responsible for what happens in your account, including what people you invite do there.
  • You must be at least 16 and able to enter into a contract for your business.
  • Tell us straight away at [email protected] if you think someone else has accessed your account.

4. Plans, prices and payment

  • Starter is free with no end date. Pro and Business are paid monthly or yearly at the prices on the pricing page. Prices include or exclude VAT as shown at checkout.
  • Free trial: Pro and Business include a 14-day trial with no card needed. When it ends, your account returns to Starter unless you subscribe. Nothing is deleted.
  • Price lock: the price you subscribe at holds for 24 months from the day you sign up for that plan, whatever we charge new customers.
  • No usage charges, except online payments: we do not charge per invoice, client or team member. If you take online payments through Bilio (below), we charge a fee per payment. Optional services that cost us money per use, such as Peppol e-invoicing outside the Business plan or payment-link processing fees, are shown before you use them.
  • Online payments (Pay now links): you can let your clients pay your invoices online with iDEAL, card, Bancontact, SEPA Direct Debit and other methods offered by our payment partner, Stripe. To do so you connect your own Stripe account; payments go straight to that account, and Stripe pays them out to your bank. Your use of Stripe is also covered by the Stripe Services Agreement, which you accept with Stripe when you connect.
    • Fees. For each online payment, Stripe charges its own processing fee, and Bilio charges a platform fee of 1% of the amount paid. Stripe deducts both automatically from the payment; you don’t receive a separate bill. Paying by bank transfer stays possible on every invoice and costs nothing extra.
    • Refunds and disputes. You are the seller to your client. Refunds, disputes and chargebacks are between you and your client and are handled in your Stripe account. Bilio’s fee is not returned when you refund a payment.
    • Changes. We’ll announce changes to the platform fee at least 30 days in advance, by email and in the app.
    • Switching off. You can stop taking online payments at any time in Settings. Your Stripe account itself stays yours.
  • Payments are processed by Stripe. Subscriptions renew automatically until you cancel.
  • Changing or cancelling: you can upgrade, downgrade or cancel at any time in the app. Upgrades apply at once; downgrades and cancellations apply at the end of the period you have paid for. Your account then returns to Starter.

5. Your data

  • Your data is yours. You can export it at any time, including after you cancel a paid plan.
  • We use it only to provide Bilio, as described in the privacy policy. For your clients’ and team members’ personal data, we process it on your behalf; a data processing agreement is available on request.
  • You are responsible for having the right to add the data you put into Bilio, and for keeping your own records for as long as the law requires.

6. Connecting AI assistants

You can connect Bilio to AI assistants such as Claude, ChatGPT or Cursor. When you do, you choose to share the data the connector reads with that assistant’s provider, under your agreement with them. We are not responsible for what the assistant does with it or for its answers, so check them before you act on them. Connecting an assistant needs a plan that includes it (Pro or Business). Creating and changing data from an assistant also needs an owner or admin role and the permissions you give that assistant; deletions and emails to your clients always need your confirmation of a preview. You are responsible for what you allow an assistant to do and for checking drafts before you send them. You can change permissions or disconnect an assistant at any time in Settings → Connected assistants.

7. Your responsibilities for invoices and tax

Bilio helps you prepare invoices, VAT figures and reports, but it does not give tax or legal advice. You are responsible for what you send to clients and file with tax authorities. Check figures before you rely on them, especially VAT rates, reverse-charge treatment and anything produced by the AI features (receipt reading, categorisation and the financial advisor), which can make mistakes.

8. Acceptable use

Do not use Bilio to:

  • send spam, phishing or emails to people who have no business relationship with you
  • create false or misleading invoices, or commit fraud
  • break the law or infringe anyone’s rights
  • try to access other companies’ data, disrupt the service or get around its limits and security

We may suspend or close accounts that break these rules. Where reasonable, we will warn you first and give you a chance to export your data.

9. Availability and changes

We work to keep Bilio available and your data safe, but we cannot promise it will always be uninterrupted or error-free. We may improve, change or remove features. If we remove a paid feature you rely on, we will tell you in advance.

10. Liability

To the extent the law allows, our total liability to you for any claim related to Bilio is limited to the amount you paid us in the 12 months before the claim. We are not liable for indirect loss, such as lost profit or lost data that you could have exported. Nothing in these terms limits liability that cannot be limited by law, including for intent or gross negligence.

11. Ending the agreement

You can stop using Bilio and delete your account at any time. We may end the agreement with 30 days’ notice, or immediately if you seriously break these terms. When an account is deleted, we delete its data as described in the privacy policy.

12. Changes to these terms

We may update these terms. For changes that affect you significantly, we will email account holders at least 30 days before they take effect. If you do not agree, you can cancel before then.

13. Law and disputes

These terms are governed by Dutch law. Disputes go to the competent court in the Netherlands, unless the law gives you the right to go to a court where you live.

14. Contact

Stefka.com, Amsterdam, the Netherlands
Email: [email protected]