Terms of Use

These Terms of Use (“Terms”) govern the Finero website, web application, payment pages, APIs, integrations and related services (the “Service”). References to “Finero”, “we” and “us” mean the operator providing the Service under the Finero name.

Please read these Terms before accepting them. If you do not agree, do not access the Service as a Customer or authorised user.

1. Business use and acceptance

The Service is intended for businesses and their authorised users. You must be legally able to enter into a binding contract. By accepting these Terms when presented to you, creating an account with notice of them, or using the Service after agreeing to them, you agree to be bound.

If you act for a business or other organisation (a “Customer”), you confirm that you have authority to bind it. The Customer is responsible for its authorised users and their use of its workspace. If you lack that authority, you must not accept these Terms or grant access on its behalf. Invoice recipients and payers are addressed separately in section 20.

2. What Finero provides

Finero provides software for managing receivables, including invoice and customer data, payment links and pages, connected systems, configurable workflows and notifications, and payment and reconciliation information. Available features depend on your plan, configuration and supported integrations. Only features made available to your workspace or expressly agreed in writing form part of your subscription.

Finero manages the software payment flow; the connected payment provider processes the payment. Finero is not your payment provider, bank, ERP, accounting system or communications carrier. It does not hold or settle customer funds, purchase your receivables, guarantee collection, or provide legal, tax, accounting or financial advice.

The Customer remains the seller or creditor. Finero is not a party to the underlying transaction and does not determine whether goods or services were supplied, an invoice is valid, or an amount is owed. Using the Service does not transfer the Customer’s legal or compliance responsibilities to Finero.

3. Accounts, administrators and authorised access

You must keep account information accurate. The Customer is responsible for selecting administrators, assigning appropriate permissions, removing access when no longer needed, and supervising its users, API keys and connected agents. Keep sign-in methods, connected mailboxes, devices, integration credentials and access keys secure.

We may act on instructions submitted through valid account access, API credentials or agent authorisations within their permitted scope. The Customer is responsible for actions it authorises and for unauthorised access caused by its failure to protect or revoke access. Notify us promptly of suspected compromise and use available controls to revoke affected access. This does not excuse Finero from responsibility that the law places on it for its own conduct.

4. Customer data, invoices and collection responsibilities

The Customer is responsible for:

• lawful, accurate invoices and payment instructions, including amounts, currencies, due dates, instalments, recipient details and payment destinations;
• its authority to collect each amount and use each payment method, and obtaining required consents, mandates and notices;
• lawful communications and collection practices, including recipient consent, suppression requests and applicable messaging restrictions;
• configuration, field mappings, schedules, time zones and third-party permissions; and
• resolving invoice and supply disputes, taxes, refunds and chargebacks, and keeping its own accurate financial and business records.

Review imported data, payment requests and financial results, reconcile them against the underlying systems, and correct errors promptly. Finero’s validation and status indicators do not establish that a debt is legally collectible, a payment is final, or your records meet accounting or regulatory requirements.

5. Automation, AI and notifications

Enabling a workflow or authorising an integration, API client or AI agent instructs Finero to perform the actions permitted by that configuration and access. These may include creating or deactivating payment links, scheduling or sending messages, synchronising data, and transmitting payment records to connected systems. An action may trigger further configured actions without a separate approval for each step.

The Customer must understand and test its configuration, choose appropriate access, monitor outcomes and disable or correct unsafe instructions. AI-generated suggestions, interpretations and instructions from connected agents can be inaccurate, incomplete or inappropriate. Review them before authorising material actions and do not rely on them as professional advice or as the sole basis for a financial, legal or compliance decision. Finero does not promise that AI or automation will detect every error, dispute or fraud.

Data changes, timing differences, configuration errors and service failures can cause incorrect, delayed, duplicated or missed actions. Messages may be filtered or fail to reach recipients. Disabling a workflow or revoking access may not recall a message, payment request or third-party operation already submitted. The Customer remains responsible for its authorised instructions and required follow-up.

6. Payment services

Customer payments are processed by the Customer’s connected payment provider under its own agreement, onboarding requirements, supported methods, fees and policies. Checkout may be hosted by the provider or embedded in a Finero page. Payment-card credentials are entered into the provider’s checkout; Finero handles payment instructions, status and transaction references rather than storing full card numbers or card security codes.

The Customer must maintain the correct merchant account, settlement details, provider permissions and any required payment authorisations. It is responsible for its provider fees, reserves, reversals, refunds, chargebacks and underlying customer disputes. Finero does not guarantee authorisation, availability of a payment method, settlement timing, finality of funds or recovery of a debt.

A success message or recorded payment status is not a guarantee against later reversal or chargeback. Verify uncertain outcomes with the provider before retrying or acting on them. Use of Finero does not certify compliance or determine or remove the Customer’s payment-security, PCI or other regulatory obligations.

7. Accounting and ERP integrations

Connecting a system authorises Finero to access, synchronise and, where the enabled feature supports it, write data to that system according to your configuration. You must have the necessary rights and maintain compatible accounts, permissions and settings.

Synchronisation and write-back depend on source data, mappings, interface limits and the connected system. They may be incomplete, delayed or fail, and records in different systems may temporarily disagree. The Customer must review exceptions and maintain its authoritative ledger and independent records. A connection test does not certify end-to-end compatibility. Any connection identified as a test or simulator connection is for that environment only and does not establish production compatibility.

8. Third-party services

Customer-selected payment, ERP, communications, AI and other services operate under their own terms. You are responsible for selecting them, authorising the data shared with them and complying with their terms. Once a connected agent or service receives data at your direction, its subsequent use of that data is governed by your arrangement with its operator.

Finero does not control those services or warrant their security, accuracy, availability or continued compatibility. Their operators may change or discontinue functionality, access or terms. Finero is not responsible for their independent acts or failures. Finero also uses suppliers to operate its own Service; this section does not transfer Finero’s own contractual or mandatory data-protection obligations to you.

9. Acceptable use

You must not:

• use the Service for unlawful, fraudulent, deceptive or abusive activity, false invoices, unauthorised collection, harassment or spam;
• infringe intellectual-property, confidentiality, privacy or other rights, or use the Service contrary to applicable sanctions or export restrictions;
• access other customers’ data, bypass permissions, agent approvals, security controls or usage limits, or use compromised credentials;
• introduce malicious code, exploit the Service, or impose disruptive automated load;
• enter full payment-card numbers, security codes or unrelated sensitive personal information into invoice fields, messages or other general-purpose inputs; or
• reverse engineer, copy or resell the Service except as expressly permitted or to the extent the restriction is prohibited by law.

10. Customer Data

You retain your rights in information and materials submitted, connected or processed through your workspace (“Customer Data”). The Customer must have the rights, lawful basis and notices needed for Finero and its suppliers to process that data and perform the Customer’s instructions.

You grant Finero a limited right to host, use and transmit Customer Data as needed to provide, maintain, secure and support the Service, subject to the Privacy Policy and any applicable data-processing agreement. This is not an unrestricted licence to sell Customer Data or use it for unrelated purposes.

Maintain independent copies of records needed for your business and legal obligations. The Service is not your sole backup or statutory archive, and no particular retention, recovery or post-termination export period is promised unless agreed in writing or required by law.

11. Privacy and data protection

The Privacy Policy describes Finero’s handling of personal information. Finero acts on the Customer’s behalf for the personal information it processes as a processor, and acts independently for purposes such as its own account administration, security and business operations. Each party remains responsible for the obligations applicable to its role.

Where data-protection law requires a processing agreement, the parties must put one in place for the relevant processing. These Terms and the Privacy Policy do not by themselves replace that agreement. An applicable processing agreement controls over these Terms for conflicting personal-data processing provisions.

12. Intellectual property

Finero and its licensors retain all rights in the Service, software, interfaces, documentation, branding and improvements. Subject to these Terms and applicable fees, the Customer receives a limited, non-exclusive, non-transferable right to use the available Service for its business during its permitted access period, including through authorised users and integrations. No other rights are granted.

Feedback may be used to improve the Service without payment or obligation to adopt it. Do not include third-party confidential information in feedback without permission.

13. Confidentiality

Each party will use the other’s non-public information disclosed in connection with the Service only to perform or exercise rights under this relationship, and will protect it with reasonable care. This includes Customer Data and non-public technical, security and commercial information. Disclosure is permitted to personnel, advisers and suppliers who need it for that purpose and are subject to appropriate confidentiality obligations, or where required by law.

These restrictions do not cover information independently developed, lawfully received without restriction, already lawfully known, or public without a breach. They do not prevent disclosures the Customer authorises through its use of the Service.

14. Fees, subscriptions and billing

The plan, fees, billing period, usage allowance and any additional charges are those disclosed and accepted at purchase or in an agreed order form. The pricing pagedescribes available offers. Subscription fees pay for Finero software and are separate from payments your customers make through the payment provider you connect.

14.1 Trials

Where offered, the trial period and conditions are stated at sign-up. A trial does not convert to a paid subscription without your agreement to the fees. We may end a trial for misuse or change offers for future sign-ups.

14.2 Subscription seller and billing provider

The seller and any billing provider or authorised reseller are identified in your checkout or order form. Their applicable purchase terms govern their processing of the order, taxes and refunds; these Terms govern use of Finero. Finero provides the Service, not the reseller’s billing services.

For purchases through Paddle, Paddle.com is the Merchant of Record and provides order-related customer service and handles refunds and returns. Those purchases are also subject to its Buyer Terms and Refund Policy.

14.3 Renewal and payment

A subscription renews automatically only where recurring billing is disclosed and accepted at purchase. It then renews for the agreed billing period until cancelled. You authorise the identified seller or billing provider to collect agreed fees using your payment method. Keep billing information current. Failed payments may be retried and unpaid access may be suspended under section 16.

14.4 Usage and taxes

Usage charges, if agreed, follow the disclosed metric, rates and billing schedule. Fees exclude applicable taxes unless stated otherwise; the Customer must pay taxes properly chargeable on its purchase, but not taxes on Finero’s income. Third-party payment, bank and integration fees are separate.

14.5 Cancellation

Cancel through the available billing process or contact support@getfinero.com for assistance. Cancellation takes effect at the end of the current paid period unless your purchase terms or mandatory law say otherwise. Access continues until then, subject to section 16, and accrued fees remain payable.

14.6 Refunds (our Refund Policy)

Payments are non-refundable except where required by law, the applicable reseller’s terms, your order form or the following provisions. We will correct billing errors, including duplicate charges and charges after an effective cancellation. If Finero ends a paid Service for a reason other than your breach or unlawful use, we will refund prepaid fees for the remaining unused period.

If a fault within Finero’s responsibility makes the paid Service materially unusable, notify us and allow a reasonable opportunity to restore it. If we cannot restore it, you may terminate the affected Service and receive a proportionate refund of prepaid fees for the period it was unusable and the remaining unused term. This does not create a guaranteed uptime level or a refund for brief interruptions.

Voluntary cancellation, non-use and usage already delivered do not ordinarily qualify for refunds. Fees paid to your bank, payment provider or other independent suppliers must be addressed with them. To request a refund, send your account details, order reference and reason to support@getfinero.com. The seller or billing provider processes approved refunds, generally to the original payment method; bank processing times are outside Finero’s control. Paddle orders can also be addressed at paddle.net. Mandatory cancellation, withdrawal and refund rights are preserved.

14.7 Price changes

For an existing subscription, a price change applies no earlier than renewal after reasonable advance notice and an opportunity to cancel. It does not increase fees for a period already paid or change charges already incurred.

15. Availability and service changes

The Service may be interrupted by maintenance, updates, security incidents, network failures or third-party outages. No uptime, response time, recovery time or service credit is promised unless expressly agreed in writing. Performance examples, forecasts, demonstrations and roadmap statements are not guarantees of results or commitments to deliver future features.

We may update, replace or discontinue features and integrations. Where a change materially reduces the core Service in a current paid term, we will give reasonable notice where practicable and, if we cannot provide a reasonably equivalent alternative, allow termination of the affected Service with a refund of unused prepaid fees. Changes needed for law, security or an unavailable third-party dependency may take effect immediately. This does not override an agreed order form.

16. Suspension and termination

We may suspend or restrict access to the extent reasonably necessary for suspected unlawful use, fraud, a security threat, material breach, non-payment or a legal or provider requirement. Immediate action may be taken where delay would create risk; otherwise we will give notice and a reasonable opportunity to resolve a remediable issue. We may terminate for a material breach that cannot be remedied or is not remedied within a reasonable period after notice.

We may also discontinue the Service or end the relationship on reasonable notice. Where this is not caused by your breach or unlawful use, unused prepaid fees are refunded under the refund terms in section 14.6. You may cancel as described in section 14.5.

On termination, access ends and the Customer should revoke connected credentials and retain required records. Ending Finero access does not cancel a customer invoice, a payment already submitted, or a contract with another provider. Data may be deleted in the ordinary course, subject to applicable law, the Privacy Policy and any processing agreement. Accrued fees and provisions concerning confidentiality, intellectual property, disclaimers, liability, indemnity and disputes survive.

17. Disclaimers

To the fullest extent permitted by law, the Service and its outputs are provided “as is” and “as available”. Finero disclaims warranties not expressly agreed, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant uninterrupted, error-free or completely secure operation, or the accuracy or completeness of third-party data or AI-generated outputs.

Finero does not guarantee payment, collection rates, revenue, reduced collection times, successful reconciliation or compliance with your legal requirements. The Customer must assess suitability for its business and obtain professional advice where needed. These disclaimers do not override express written commitments or rights that cannot lawfully be excluded.

18. Limitation of liability and personnel protection

Nothing in these Terms excludes or limits fraud, wilful misconduct, death or personal injury caused by negligence, or any other liability or statutory right to the extent it cannot lawfully be excluded or limited.

Subject to that rule, Finero and its affiliates, founders, directors, officers, employees, contractors and representatives involved in providing the Service (together, the “Finero Parties”) are not liable for indirect, consequential, special or punitive damages, or loss of profits, revenue, business opportunity or goodwill, arising from the Service or these Terms. Responsibility for independent customer and third-party conduct is allocated as described above.

The total combined liability of all Finero Parties for all claims arising out of or relating to the Service or these Terms will not exceed the fees paid or payable by the Customer for the affected Service during the 12 months immediately before the first event giving rise to liability. Service fees include purchases through a reseller, but exclude taxes, third-party fees and invoice payments collected for the Customer. The cap is aggregate, not per claim, user or Finero Party, and applies regardless of the legal theory, including contract and negligence.

No founder or other personnel member gives a personal guarantee merely by developing, supporting or representing Finero. To the extent permitted by law, the Finero Parties may rely on and enforce the protections in sections 17 to 19 as intended third-party beneficiaries. This does not immunise anyone from liability the law imposes personally and does not permit double recovery for the same loss. Refunds expressly due under section 14.6 remain payable.

19. Customer indemnity

To the extent permitted by law, the Customer will defend and indemnify the Finero Parties against third-party claims and resulting damages, settlements and reasonable legal costs to the extent caused by the Customer’s unlawful or infringing data, invoices or communications; unauthorised collection or payment instructions; misuse of connected services; or material breach of these Terms or applicable law, including by its authorised users and agents. This does not apply to the extent a claim is caused by a Finero Party’s breach, negligence or wilful misconduct.

We will give prompt notice of a claim, with any delay reducing the obligation only to the extent it materially prejudices the defence. The Customer may control the defence with competent counsel, and we will reasonably cooperate at its expense. No settlement may admit fault by, impose non-monetary obligations on, or fail to fully release a Finero Party without its consent, not unreasonably withheld.

20. Invoice recipients and payers

If you use a Finero payment page, your purchase or debt is between you and the business that issued the invoice. Finero supplies the software, not the invoiced goods or services, and does not decide whether an amount is owed. Check the business, amount and payment details before paying and use only a payment method you are authorised to use. The provider processes the payment under its applicable terms.

Address invoice, delivery, refund and payment disputes to that business or the payment provider as appropriate. Merely paying an invoice does not make you a Finero subscriber or subject you to the Customer’s subscription fees or indemnity. The payment-page rules and Privacy Policy remain relevant, and no mandatory consumer, payment or other statutory rights are waived.

21. Changes to these Terms

We may revise these Terms for changes in the Service, legal requirements or business arrangements and will identify the revision at the top of the page. Material changes apply prospectively. For existing Customers, we will give reasonable advance notice through the Service or an account contact and an opportunity to stop using or cancel the affected Service before the change applies, with a refund of any unused prepaid period if a material adverse change takes effect during that period.

We will request affirmative acceptance where required. A change required by law or urgently needed for security may take effect sooner, with notice as reasonably practicable. Changes do not retrospectively alter accrued claims or override a signed agreement. Publishing a revision alone does not establish that an existing Customer has accepted it.

22. Governing law and disputes

These Terms and disputes arising from them or the Service are governed by the laws of the State of Israel, without regard to conflict-of-laws rules. The competent courts in Israel have exclusive jurisdiction, except where mandatory law gives a party a non-excludable right to another law or forum.

Please first send written details of a dispute to the contact below so the parties can try to resolve it in good faith. This does not prevent urgent court relief, require delay that would prejudice a claim, or restrict access to regulators or mandatory legal remedies.

23. General terms

These Terms and any applicable written order form or separately agreed contract constitute the agreement for the Service. A separately agreed contract prevails over conflicting provisions of these Terms for its subject matter; an applicable data-processing agreement prevails for personal-data processing. No purchase depends on future features unless expressly agreed.

If a provision is unenforceable, the remaining provisions continue to apply. Failure to enforce a provision is not a waiver. Neither party may transfer the agreement without the other’s consent, except to a successor in a merger, reorganisation or sale of the relevant business that assumes its obligations without reducing the other party’s contractual protections.

24. Contact

For legal notices or questions about these Terms, contact sales@getfinero.com. For support, billing, cancellations or refunds, contact support@getfinero.com. Privacy questions may be sent to privacy@getfinero.com. Finero may send account and contractual notices through the Service or to the account contact details you maintain.