Effective date: 3 June 2026
This Privacy Policy explains how InvoiceIQ ("InvoiceIQ", "we", "us", or
"our") collects, uses, shares, and protects information when you visit
invoiceiq.co, use app.invoiceiq.co, contact us, request a demo, or use
our invoicing, payment, compliance, cash-flow, and invoice-financing
features.
1. Information we collect
We collect information you provide directly, information generated when you use the product, and limited technical information from your device.
- Account and contact details, such as name, email address, phone number, WhatsApp number, password credentials, role, and login activity.
- Business details, such as business name, legal name, trade name, business type, GSTIN, PAN, address, plan, KYC status, and bank account details you add for invoices or payouts.
- Client and invoice data, such as customer names, emails, phone numbers, GSTINs, billing addresses, invoice line items, tax details, notes, payment status, reminders, recurring invoice settings, and PDF or email delivery metadata.
- Payment, billing, and financing data, such as plan changes, usage, provider customer or subscription IDs, payment references, repayment schedules, funding requests, eligibility outputs, and audit events.
- Compliance data, such as GST validation status, e-invoice or e-way bill previews, generated payload snapshots, warnings, reference numbers where available, transporter details, and compliance logs.
- Lead and support data, such as demo requests, sales requests, business name, email, WhatsApp number, source, submitted time, and messages you send us.
- Technical data, such as IP address, browser or device information, pages visited, request logs, cookies, and security events needed to operate and protect the service.
2. How we use information
- To create and manage accounts, business profiles, roles, authentication, and team access.
- To create invoices, estimates, clients, reminders, recurring invoices, dashboards, reports, and cash-flow insights.
- To evaluate invoice-financing eligibility, process funding requests, support repayments, and manage related operational reviews.
- To support GST, tax, e-invoice, e-way bill, and compliance workflows, including previews, validations, audit trails, and provider-assisted processing where enabled.
- To process billing, subscriptions, online payments, mandates, refunds, disputes, and provider callbacks through payment partners.
- To contact you about demos, onboarding, support, product updates, security notices, and service messages.
- To prevent fraud, enforce access controls, debug errors, improve performance, and protect InvoiceIQ, our users, and third parties.
- To comply with law, tax, accounting, regulatory, dispute, and record-keeping obligations.
3. Cookies and similar technologies
We use cookies and similar technologies for login sessions, security,
preferences, performance, and analytics. Some cookies are essential for
the service to work. You can control cookies through your browser, but
disabling essential cookies may affect login or product features.
4. How we share information
We do not sell your personal information. We share information only where needed to provide, protect, or improve the service.
- With service providers that host infrastructure, databases, email, support tools, analytics, security, and product operations.
- With payment providers, such as Razorpay or Stripe, to process subscriptions, payments, mandates, callbacks, and related verification.
- With compliance, GST, e-invoice, e-way bill, lending, verification, or financing partners when you request or enable those workflows.
- With your invited team members and authorized users according to the roles and permissions configured in your account.
- With customers or counterparties when you send invoices, reminders, payment links, statements, or recurring payment approval requests.
- With authorities, regulators, courts, or professional advisers where required by law or necessary to protect rights, safety, security, or prevent fraud.
- In connection with a merger, financing, acquisition, restructuring, or sale of all or part of our business, subject to appropriate confidentiality protections.
5. Data retention
We keep information for as long as needed to provide the service, comply
with legal, tax, accounting, audit, financing, and dispute obligations,
and maintain security records. Business, invoice, payment, compliance,
and audit records may need to be retained even after an account is
closed. Where retention is no longer needed, we delete, aggregate, or
anonymize information using reasonable measures.
6. Security
We use reasonable technical and organizational safeguards designed to
protect information, including access controls, secure authentication
cookies, encryption where appropriate, audit logs, and operational
monitoring. No internet service is completely secure, so you are
responsible for using strong passwords, limiting team access, and
keeping your account credentials confidential.
7. Your choices and rights
You can access and update much of your account and business information
inside the product. You may also contact us to request access,
correction, deletion, export, restriction, withdrawal of consent,
grievance redressal, or nomination of another person to exercise your
rights where applicable, subject to identity verification and legal
retention requirements. We may decline requests where we must retain
data for tax, compliance, fraud-prevention, financing, dispute, or legal
reasons.
8. Children's privacy
InvoiceIQ is intended for businesses and is not directed to children. We
do not knowingly collect personal information from anyone under 18.
9. International processing
We primarily build for Indian businesses, but our service providers may
process information in India or other countries. Where information is
processed outside your location, we use reasonable safeguards consistent
with applicable law and our service needs.
10. Changes to this policy
We may update this Privacy Policy as InvoiceIQ evolves. If changes are
material, we will take reasonable steps to notify users through the
website, product, or email. The effective date above shows when this
policy was last updated.
11. Contact us
For privacy questions or requests, contact us at
contact@invoiceiq.co.
Effective date: 3 June 2026
These Terms of Service ("Terms") govern your access to and use of
InvoiceIQ's websites, applications, APIs, and services (the "Service").
By creating an account, requesting a demo, or using the Service, you
agree to these Terms.
1. Who may use InvoiceIQ
InvoiceIQ is for businesses and authorized business users. You must be
at least 18 years old and have authority to bind the business you
represent. You are responsible for ensuring that users you invite comply
with these Terms.
2. Account responsibilities
- You must provide accurate account, business, tax, bank, client, invoice, and payment information.
- You are responsible for maintaining the confidentiality of passwords, login sessions, and team permissions.
- You must promptly notify us if you suspect unauthorized account access or incorrect account information.
- You are responsible for all activity under your account, including actions by invited team members.
3. What InvoiceIQ provides
InvoiceIQ provides business software for invoicing, estimates, client
management, reminders, recurring invoices, payments, cash-flow
visibility, GST-oriented workflows, compliance previews, audit trails,
plan management, and invoice-financing related workflows.
Some features may be in beta, limited release, sandbox mode, manual
review, or dependent on third-party providers. We may add, modify, pause,
or discontinue features as the product develops.
4. Payments, subscriptions, and fees
- Paid plans, subscriptions, payment links, mandates, and recurring collection features may be processed through third-party payment providers.
- You authorize us and our payment providers to process charges, subscription changes, payment confirmations, refunds, callbacks, and related records.
- Fees, billing cycles, limits, taxes, and plan features will be shown in the product or agreed separately. Taxes are your responsibility unless stated otherwise.
- Plan downgrades or cancellations may be limited if your usage exceeds the target plan limits or if retention is needed for legal, payment, or compliance reasons.
5. Invoice financing and funding features
InvoiceIQ may help you request, evaluate, or manage invoice-financing
workflows. Eligibility scores, risk indicators, available limits,
estimated fees, and funding offers are informational until expressly
approved by InvoiceIQ or an authorized financing partner.
- Funding is not guaranteed and may be declined, changed, delayed, or withdrawn after review.
- You must provide truthful invoices, buyer details, bank details, tax details, and repayment information.
- You remain responsible for repayment obligations, fees, taxes, chargebacks, disputes, and customer payment failures connected to financing.
- Additional financing terms, lender documents, KYC, KYB, bank verification, or consent may apply before any disbursement.
6. Tax and compliance features
InvoiceIQ may provide GST calculations, GSTIN validation, e-invoice or
e-way bill previews, compliance status, GSTR-1 draft summaries, and
related audit records. These tools help with workflow and record
preparation, but they are not a substitute for professional tax, legal,
accounting, or statutory advice.
Unless a live provider integration expressly confirms successful
submission, previews and payload snapshots do not mean a statutory filing
or government submission has been completed. You are responsible for
reviewing outputs and ensuring all filings, invoices, taxes, and records
comply with applicable law.
7. Acceptable use
- Do not use InvoiceIQ for unlawful, fraudulent, deceptive, abusive, or high-risk activity.
- Do not upload fake invoices, false GST/PAN details, misleading client records, or unauthorized bank/payment information.
- Do not interfere with security, reverse engineer the Service, scrape at unreasonable volume, bypass access controls, or misuse APIs.
- Do not use the Service to send spam, malware, unlawful collection notices, or content that violates another party's rights.
8. Your data and content
You retain ownership of business data, invoice content, client records,
and other content you submit. You grant InvoiceIQ a limited right to
host, process, transmit, display, analyze, and use that content as needed
to provide, secure, support, and improve the Service, comply with law,
and operate payment, compliance, and financing workflows you request.
9. Third-party services
The Service may integrate with payment gateways, email providers,
hosting providers, GST/compliance providers, verification providers, and
financing partners. Their services may be governed by their own terms
and policies. InvoiceIQ is not responsible for third-party outages,
decisions, delays, fees, or errors outside our reasonable control.
10. Intellectual property
InvoiceIQ and its software, design, workflows, branding, content,
product names, and technology are owned by InvoiceIQ or its licensors.
These Terms do not transfer any ownership rights to you. You may use the
Service only as permitted by these Terms.
11. Suspension and termination
We may suspend or terminate access if you violate these Terms, create
risk for InvoiceIQ or others, fail to pay amounts due, submit misleading
information, misuse financing or payment workflows, or if required by
law or a provider. You may stop using the Service at any time, but some
records may be retained as described in our Privacy Policy.
12. Disclaimers
The Service is provided on an "as is" and "as available" basis. We do
not guarantee uninterrupted access, error-free outputs, guaranteed
funding, tax filing success, buyer payment, cash-flow outcomes, or
business results. Product insights, scores, forecasts, and compliance
suggestions are decision-support tools and should be independently
reviewed.
13. Limitation of liability
To the maximum extent permitted by law, InvoiceIQ will not be liable for
indirect, incidental, special, consequential, punitive, or loss-of-profit
damages, or for losses caused by inaccurate user data, third-party
providers, customer non-payment, financing decisions, tax filings, or
unauthorized account use. Our total liability for claims relating to the
Service will not exceed the amount you paid to InvoiceIQ for the Service
in the three months before the claim, or INR 5,000 if you used a free
plan.
14. Indemnity
You agree to defend and indemnify InvoiceIQ from claims, losses,
penalties, costs, and expenses arising from your data, invoices, tax or
compliance filings, funding requests, misuse of the Service, violation
of these Terms, or violation of law or third-party rights.
15. Governing law and disputes
These Terms are governed by the laws of India. Courts in India with
competent jurisdiction will have authority over disputes, unless a
separate written agreement with InvoiceIQ states otherwise.
16. Changes to these Terms
We may update these Terms as InvoiceIQ evolves. If changes are material,
we will take reasonable steps to notify users through the website,
product, or email. Continued use of the Service after the updated Terms
take effect means you accept the changes.
17. Contact
Questions about these Terms can be sent to
contact@invoiceiq.co.