Terms and Conditions

Last updated: 4 August 2026

1. Agreement to Terms

By accessing or using Invio ("Service"), you agree to be bound by these Terms and Conditions.

2. Description of Service

Invio provides online invoicing software for New Zealand businesses, including:

• Creating and sending invoices and quotes
• Managing clients
• Tracking payments
• Generating PDF invoices and quotes
• Automated reminders and recurring billing features
• AI-assisted features, including voice-to-invoice drafting, where available on your plan

AI Features and Accuracy

Some features use artificial intelligence (for example, voice-to-invoice) to generate drafts. AI can make mistakes. Every AI-generated draft must be reviewed and confirmed by you before it is sent. You are solely responsible for the accuracy of any invoice, quote, or other document you send, including amounts, client details, and GST treatment. Invio does not warrant that AI output is accurate, complete, or fit for any particular purpose, and any AI-generated summaries or suggestions are not tax, legal, accounting, or financial advice. Use of AI features is subject to the fair-use limits shown in-product, and we may change or withdraw AI features at any time.

3. User Accounts

• You must provide accurate information when creating an account
• You are responsible for maintaining the security of your account
• You must be at least 18 years old to use this Service
• One person or business per account

4. Subscription Plans

Starter Plan (Free)

• No monthly subscription fee
• Core invoicing features (including recurring/reminders) as currently offered in-product
• No credit card required to start

Plan features may evolve over time. The latest in-product plan details and pricing apply.

5. Payment Terms and User Liability

• Paid subscriptions are billed monthly in advance.
• Card payments are processed through third-party providers (including Stripe Connect).
• A platform/processing fee may apply to card transactions as disclosed in-product at the time of payment.
• The currency and amount you are charged are the ones shown at checkout for your plan. For this site, that currency is New Zealand Dollars (NZD). GST treatment is shown in-product where applicable.
• Refunds are provided at our discretion unless required by law.

Users are solely responsible for verifying the accuracy of payment destination details (including bank account details) before issuing invoices. Invio is not liable for misdirected funds, delayed payments, chargebacks, or losses arising from incorrect payment details entered by users.

Invio is a software platform and not a bank, payment institution, or financial adviser. Payment provider availability, settlement timing, and payment rail rules may vary by provider and may change over time.

6. Cancellation and Account Deletion

You may cancel your paid subscription at any time. Access continues until the end of your billing period. No refunds for partial months. Cancelling a subscription moves your account to the free plan - it does not delete your account or your data.

Deleting your data is a separate step, and you start it yourself in Settings. When you request account deletion we schedule it for 30 days later and email you the date. You can cancel the deletion at any time before that date by signing in and cancelling it in Settings. After that date your account and its data are permanently deleted and cannot be recovered. If you have an active paid subscription, cancel it in billing first. Export anything you need to keep before the date - see our Privacy Policy for what we retain.

7. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

8. Acceptable Use

You agree NOT to:

• Use the Service for illegal purposes
• Upload malicious content
• Attempt to access other users' data
• Resell or redistribute the Service
• Use automated systems to access the Service
• Abuse, overload, or attempt to circumvent the usage limits of AI features

9. Data and Privacy

Your data belongs to you. We process data as described in our Privacy Policy. We use industry-standard security measures and do not sell your data to third parties. Where you use AI features, your data is processed by our AI provider as described in the Privacy Policy, including that it is not used to train AI models and that some processing occurs overseas.

10. Intellectual Property

Invio and its content are owned by Bakhtiyar Duganov trading as Invio. You retain ownership of your business data, invoices, and quotes. You grant us license to store and process your data to provide the Service.

11. Limitation of Liability

To the maximum extent permitted by law, Invio (Bakhtiyar Duganov) shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses. In no event shall the aggregate liability of Invio exceed the greater of one hundred New Zealand dollars (NZD $100) or the amount you paid Invio, if any, in the past six months.

Consumer Guarantees Act 1993 (New Zealand)

Invio is business software, sold to people running a business.

If you acquire the Service in trade, for the purposes of a business, the guarantees in the Consumer Guarantees Act 1993 do not apply, to the extent permitted by section 43 of that Act.

If you do not acquire the Service in trade for business purposes, this exclusion does not apply to you, and your rights under the Consumer Guarantees Act 1993 are unaffected.

Where those guarantees do apply, nothing in these Terms limits or excludes them.

12. Indemnification

You agree to indemnify Invio against claims arising from your use of the Service or violation of these Terms.

13. Changes to Terms

We may update these Terms at any time. When we do, we publish the updated Terms on this page and update the "Last updated" date at the top. Where a change is significant, we may also flag it in the app.

If you continue using Invio after updated Terms are published, you accept them.

14. Governing Law

These Terms are governed by the laws of New Zealand. Disputes will be resolved in New Zealand courts.

15. Contact

For questions about these Terms:

• Email: support@invio.co.nz
• Website: Contact us