Terms and Conditions

1. Agreement to terms

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

To create an account you must tick a box confirming that you have read and agree to these Terms and Conditions and our Privacy Policy. Invio records the date you agreed and the version of the Terms you agreed to.

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.

Bank statement import (optional)

The Bank area lets you import statement files from your online banking and shows which deposits may be payments for your invoices. How we handle the data is in our Privacy Policy.

• Only import statements for bank accounts you are entitled to use for your business. Statement lines can contain other people’s names and references. Use them only to run your own business.
• Matching is a convenience. Invio compares each deposit with your unpaid invoices. Unless you turn it off in the Bank area, it marks an invoice as paid by itself when the amount is exact and the invoice number is in the deposit’s details; other possible matches are suggestions for you to confirm. You can undo a match, which removes the payment it recorded.
• You are responsible for checking that what Invio shows and records is right, and that the money actually arrived. Invio only knows what is in the file you import, and a file can be incomplete or wrong.
• Invio does not give financial, accounting or tax advice. The Bank area does not replace your bank statements, your bookkeeping or your accountant.

Xero sync (optional)

If you connect Invio to your Xero organisation, Invio copies the invoices you send, the payments and credit notes that go with them, and your clients’ contact details into that organisation, as the settings you choose say. You choose the organisation, the accounts and tax rates it uses, and when it starts.

• The sync is a convenience. Your Invio documents remain the record of what you sent to your clients. You are responsible for checking what arrives in Xero, and for your tax returns and your accountant’s records. The sync is not accounting, tax or financial advice.
• Invoices you sent before you connected are not copied unless you choose to send them.
• Invio does not delete, void or change anything in Xero except as a result of a step you take in Invio, such as voiding an invoice or removing a payment. When you disconnect, it asks Xero to remove its own connection.
• Xero can refuse an item, for example because the period is locked or the number is already used. Invio then shows what Xero said and leaves the item for you; it does not retry for ever.
• We may pause or stop the sync, for example if Xero changes or withdraws access, or if the connection is removed on Xero’s side. Documents already in Xero stay there.
• Your use of Xero is under your own agreement with Xero. Xero is a trademark of Xero Limited. Invio is an independent product and is not endorsed by, or affiliated with, Xero.

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

Add-on modules

Some features are sold as add-ons to a paid plan. Your add-ons are a separate subscription from your plan, billed monthly in the currency of your business. If you add or remove an add-on part-way through a month, the difference for the rest of that month is worked out pro rata and added to your next monthly invoice.

• Extra business: Open another business under the same login, up to 5 in all. Each keeps its own invoices, clients, bank details and branding. $9 NZD a month each. Can be added to Pro and Growth.
• Lead form: A "Request a Quote" form for your website. Enquiries land in your Enquiries inbox and become draft quotes. $9 NZD a month. Can be added to Pro and Growth.
• Projects Pro: Budgets and profit by job on top of Projects and time. $9 NZD a month. Included in Growth. Can be added to Pro.
• Xero sync: Invoices you send in Invio appear in your Xero file by themselves. $10 NZD a month. Can be added to Pro and Growth.
• Extra team seat: Another person on your team, beyond the seats your plan includes. $9 NZD a month each. Can be added to Growth.

You can cancel an add-on at any time: it keeps working until the end of the period you have paid for. Add-ons are for accounts on a paid plan, so if your paid plan ends, your add-ons end with it. A feature that your plan already includes is not sold again, and if a change of plan makes an add-on you bought part of your plan, we remove it from your add-on subscription so you do not pay for it twice. When an add-on ends we do not delete the records you made with it, but the feature stops being available to you. The price changes clause in this section applies to add-ons as it does to plans.

Plan features may evolve over time. The features included in each plan are listed on our pricing page and in the product.

Price changes. We may change the prices we offer to new customers. We will not raise the price of a subscription you already have while it continues: you keep paying the price you subscribed at for as long as you stay subscribed. An introductory price ends on the date, and at the price, shown when you subscribed. If you cancel and subscribe again later, the price on offer at that time applies, except where we have promised your account an earlier price.

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). Invio is not registered for GST, so no GST is added to the price of your subscription.
• 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. No change to these Terms can raise the price of a subscription you already have (section 4).

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