TERMS OF SERVICE

Terms of Service

Effective date: May 11, 2026 · Last updated: May 11, 2026

1. Definitions

Service Provider — Netcrafter Damian Urbaniec, sole proprietorship, ul. Sikorskiego 4A/2, 66-460 Witnica, Poland; NIP 599-317-63-90; EU VAT ID PL5993176390; REGON 362003200.

User — a natural person, legal entity, or organizational unit using the Service.

Consumer — a User who is a natural person performing a legal transaction not directly related to their business or professional activity (Art. 22¹ Polish Civil Code).

Business User — a User who is not a Consumer.

Service / checkunpaidinvoices.com — the web tool available at checkunpaidinvoices.com that reconciles a bank statement CSV against an invoice list CSV and reports the result as four buckets (Paid / Likely paid / Unpaid / Anomalies) with an aging breakdown.

Account — an individual user account (Pro / Agency tiers only).

Subscription — paid access to the Service under a selected Plan, automatically renewable.

Plan — a package of features and limits (Free, Pro, Agency).

Billing Period — period for which a Subscription fee is charged (monthly or annual).

2. General provisions

2.1. Scope

These Terms govern the rules for using the Service, the rights and obligations of the Service Provider and User, payment terms, and liability.

2.2. Acceptance

By using the Service, the User declares that they:

• Have read these Terms and the Privacy Policy
• Accept their content in full
• Are at least 16 years old (or have a legal representative's consent)

2.3. Changes to terms

We may amend the Terms for important reasons (legal changes, service development, security). Users will be notified by email at least 30 days before the new version takes effect. A User who does not accept the changes may terminate the agreement within 30 days of notification.

3. Service description

3.1. What the Service does

The Service ingests two CSV files (a bank statement and an invoice list), runs a deterministic match engine against them, and returns: paid invoices, likely-paid invoices, unpaid invoices, anomalies (duplicates, recurring charges, suspicious round amounts), and an aging breakdown (0–30 / 31–60 / 61–90 / 90+ days overdue).

Matching is deterministic — the same two files always produce the same output. The Service does not use AI to decide what is paid. The Service does use an LLM sub-processor only to generate parser configuration from an anonymized sample when it encounters an unfamiliar file format; the configuration is then applied by deterministic code. See Privacy Policy section 4 for details.

3.2. Plans

Available plans:

• Free — $0/month. Up to 50 invoices per run, 1 bank file at a time, watermarked CSV export, no signup required.
• Pro — $24/month. Unlimited rows, anomaly details, sortable aging per row, multi-bank merge with dedup, clean PDF + shareable link, priority format verification (4 h SLA).
• Agency — $79/month (Phase 2). Multi-client dashboard, team accounts (up to 3 users), white-label option.

Prices are quoted net in USD. VAT is added automatically at checkout based on your location.

3.3. Availability

We aim for 24/7 availability but do not guarantee uninterrupted operation. Outages may result from scheduled maintenance (with notice), infrastructure failures, third-party incidents, or force majeure. Current uptime is published at /status.

4. Use of the Service

4.1. Free tier — no account

Free-tier use does not require an account. You may drop CSV files and receive a reconciliation. The files are deleted within one hour of processing.

4.2. Account registration (paid tiers)

To use Pro or Agency, the User must:

• Create an Account with an email address and password
• Confirm the email address (activation link)
• Accept these Terms and the Privacy Policy

4.3. Technical requirements

• Current desktop browser (Chrome, Firefox, Safari, Edge)
• Stable internet connection
• JavaScript enabled

4.4. Account security

The User undertakes to keep their password confidential, notify us immediately of any suspected unauthorized access, and not share access with third parties. The User is responsible for all actions performed from their Account.

5. Payments and subscriptions

5.1. Currency and prices

Prices are expressed in USD, net of VAT. VAT is added at checkout by Lemonsqueezy Tax. EU Business Users with a valid VAT ID may benefit from the reverse charge mechanism.

5.2. Payment processor

Payments are processed by Lemonsqueezy Inc. (USA). checkunpaidinvoices.com does not store credit card data. All payment data is processed by Lemonsqueezy in accordance with PCI DSS standards.

5.3. Automatic renewal

Subscriptions automatically renew for the next Billing Period until cancelled. We notify you by email at least 7 days before each renewal.

5.4. Cancellation

You may cancel any time from your account settings. Cancellation is effective at the end of the current Billing Period — you keep paid features until then; thereafter the Account drops to Free. No pro-rata refunds for unused time.

5.5. Plan changes

• Upgrade — pro-rata adjustment; new Plan active immediately.
• Downgrade — takes effect at the end of the current Billing Period.

5.6. Refund policy

Outside of cases required by mandatory law (erroneous double charge, complaint upheld under section 10, non-performance attributable to the Service Provider), we do not provide refunds. For justified refund requests, contact hi@checkunpaidinvoices.com.

5.7. Price changes

We may change Plan prices. Users are notified by email at least 30 days before the change takes effect. Price changes do not apply to active Subscriptions — the new price applies from the first renewal after the effective date.

5.8. Invoices

VAT invoices are issued automatically and emailed after each payment. Invoices are also stored in your account billing settings.

6. Right of withdrawal (Consumers)

6.1. 14-day withdrawal

Under the Polish Consumer Rights Act of 30 May 2014, Consumers have 14 days to withdraw from a distance contract without giving a reason.

6.2. Loss of right of withdrawal

Legal basis: Art. 38(13) of the Consumer Rights Act. The Consumer loses the right to withdraw from a digital service contract once performance has begun with the Consumer's express consent, before the 14-day period expires.

By starting to use the Service (running the first reconciliation, or activating a Pro feature), the Consumer:

• Gives express consent to the commencement of Service provision before the 14-day window expires
• Acknowledges that they thereby lose the right to withdraw

7. Rights to reconciliation output

The reconciliation output (the table of paid / likely / unpaid / anomalies, the aging breakdown, the CSV / PDF export) is derived from your own data. We claim no rights to the output. The output is yours to use, share, publish, or sell.

The Service Provider's intellectual property in the Service itself (code, UI, parser configs database) is reserved.

8. Prohibited conduct

The User undertakes not to:

• Upload files containing content that is illegal, infringing third-party rights, or obtained without authorization
• Use the Service for criminal purposes (money laundering, tax fraud, etc.)
• Attempt reverse engineering, decompilation, or disassembly of the Service
• Attack the infrastructure (DDoS, injection, scraping, abuse of rate limits)
• Circumvent Plan limits (multiple accounts, counter manipulation)
• Resell or relicense access to the Service without prior written agreement (white-label requires the Agency plan)

Violations may result in account suspension, agreement termination without refund, or legal action.

9. Liability

9.1. Business Users — limitation

Toward Business Users, the Service Provider's liability is limited to the amount of fees paid by the User in the 12 months preceding the event giving rise to the claim, and to direct damages only. Indirect damages, lost profits, data loss, and reputation loss are excluded.

The exclusion does not apply to damages caused intentionally or by gross negligence, or to claims under mandatory legal provisions.

9.2. Consumers — general principles

Toward Consumers, liability follows the Polish Civil Code and the Consumer Rights Act. Liability for personal injury and intentional damage cannot be excluded.

9.3. Accuracy disclaimer

The reconciliation result is a computational match of the two files you upload. Although the match engine is deterministic, the accuracy of the output depends on the accuracy of your input files and on the format detection. The Service Provider does not guarantee:

• That the reconciliation captures every paid invoice (partial matches and unusual formats may be flagged as Unpaid or Anomaly)
• Suitability for any specific accounting, tax, or legal purpose — the User is responsible for verifying the result before relying on it

You should review the result and override matches you disagree with before treating the output as authoritative.

9.4. Sub-processors

The Service Provider uses third-party services (full list in Privacy Policy section 4 and at /sub-processors) and is liable for sub-processor actions as for its own, subject to limitations in sections 9.1 and 9.3.

10. Complaints

Consumers may file complaints regarding non-conformity of the Service with the agreement within 2 years of the date of Service provision (Art. 43a–43g Consumer Rights Act). Business Users may file complaints based on Polish Civil Code warranty provisions (Art. 556 et seq.) — promptly, no later than 1 year from defect discovery (Art. 563 § 2 CC).

File complaints at hi@checkunpaidinvoices.com with: User data, description of non-conformity, requested remedy, supporting evidence. Complaints are processed within 14 days.

11. Termination

11.1. By the User

The User may terminate the agreement at any time by cancelling the Subscription and deleting the Account (paid tiers) or by simply stopping use (Free tier — no Account exists to terminate).

Account deletion triggers permanent deletion of all User data within 30 days, subject to retention periods specified in the Privacy Policy.

11.2. By the Service Provider

In case of Terms violation (section 8), the Service Provider may send a 14-day cease-and-desist notice and, if the violation is not remedied, terminate the agreement without refund. In case of gross violation (criminal activity, serious security threat), the Service Provider may terminate immediately without notice.

12. Force majeure

The Service Provider is not liable for non-performance caused by force majeure (natural disasters, war, strikes, internet infrastructure failures, legal changes, public authority actions). If force majeure lasts longer than 30 days, either party may terminate with immediate effect, with proportional refund of unused Subscription.

13. Dispute resolution

EU Consumers may use the Online Dispute Resolution platform: ec.europa.eu/consumers/odr. Before going to court, parties may attempt mediation. The Service Provider is open to amicable dispute resolution.

14. Applicable law and jurisdiction

The agreement is governed by Polish law.

For disputes with Business Users, the court of the Service Provider's registered office (Witnica / Gorzów Wielkopolski) has jurisdiction. For disputes with Consumers, jurisdiction lies with the court of the Consumer's choice (place of residence or Service Provider's registered office).

15. Final provisions

Contact:
Netcrafter Damian Urbaniec
ul. Sikorskiego 4A/2, 66-460 Witnica, Poland
hi@checkunpaidinvoices.com

Severability. If any provision is found invalid, the remaining provisions remain in force. The invalid provision is replaced by a valid provision closest to the parties' intent.

Language. Terms are available in English; Polish translation may follow. In case of discrepancies, the Polish version is binding for Users from Poland; the English version for others.

Entire agreement. These Terms together with the Privacy Policy constitute the entire agreement between the Service Provider and the User.

Last updated: 2026-05-11.