Terms of service

Fisco connects to your accounting system and your own sending mailbox, drafts and sends polite, escalating invoice chases in your name, reads and classifies replies, gives your clients a branded page to pay or raise queries, and reports to you. You must have the authority to connect the accounts you connect and to chase the invoices in your ledger.

Accounts belong to your agency; you may invite your team at no extra cost. You are responsible for keeping credentials secure, for the accuracy of the invoice data you sync, and for everything sent from your connected mailbox through the product. Chases require your approval by default; where you allow it to send without per-chase approval — for specific clients or globally — those sends are authorised by you.

Every subscription starts with a 14-day trial with a card on file. During the trial, approval mode is locked on, chases are capped, and you can cancel in one click. After the trial your chosen plan is billed monthly or annually by our merchant of record, who handles checkout, invoicing, and applicable taxes. Plans are flat per agency and sized by open-invoice volume; if you exceed your tier we will ask you to upgrade rather than cut you off mid-month. Fees are non-refundable except where the law says otherwise.

Payments from your clients settle directly to your own accounts through rails you connect — your Stripe, GoCardless, or bank transfer details. Fisco is never in the flow of funds: we do not hold, route, or settle money, and we are not a payment institution, bank, or debt-collection agency. The product helps you chase your own invoices; it does not purchase debt or collect on behalf of third parties.

Use the product to chase genuine invoices you are owed. Do not use it to send unsolicited marketing, to harass, to threaten legal action you do not intend, or to chase debts you know to be disputed without flagging them. We may suspend accounts that send abusive content, breach mailbox provider policies, or put deliverability at risk for other customers.

Your data stays yours. You grant us the licence needed to operate the service — syncing, drafting, sending, and reporting on your behalf — as described in our privacy policy. We act as processor for the personal data of the people you invoice, and our data-processing terms form part of this agreement. We never train models on your content.

Payment-behaviour insights. You also grant us the right to derive anonymised, aggregated insights from payment behaviour observed while we chase for you — how long companies take to pay, how they respond to reminders, whether they keep the dates they promise — and to use those insights to improve the service, to warn customers about payment risk, and to publish aggregate benchmarks and indices.

What that never includes, as a matter of contract and not just policy: we do not sell your data; we never reveal which businesses you invoice, what you charge them, or that you are a customer of ours; we derive insights only from ledger and chasing events, never from the contents of your mailbox; and a fact about a company is only ever shown to another customer when it is drawn from at least three separate businesses, so nothing can be traced back to you. Aggregate benchmarks are published only at a level where no individual business — yours or your clients' — is identifiable.

Drafts are generated with large language models and are designed to reference only real invoice data, but you are responsible for what you approve and for anything sent under the without-approval settings you enable. The service is provided "as is" without warranties of uninterrupted operation. Nothing in the product is legal, accounting, or debt-collection advice.

To the extent the law allows, our total liability in any twelve-month period is capped at the fees you paid us in that period, and neither party is liable for indirect or consequential losses. Nothing limits liability that cannot be limited under law, including for fraud or for death or personal injury caused by negligence.

You can cancel at any time from the billing portal; the subscription ends at the close of the paid period and your data is retained for 30 days, then deleted. We may terminate for material breach that is not cured within 14 days of notice. Sections that by their nature should survive — including data, liability, and governing law — survive termination.

These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction — chosen because our customers are here, notwithstanding that VALENOR CORE DESIGN FZCO is established in the United Arab Emirates. Nothing in this clause removes any right you have under the mandatory law of your own country.

We may update these terms as the product evolves; material changes will be announced by email to account owners at least 14 days before they take effect, and continuing to use the service after that constitutes acceptance.