Terms and Conditions

Last updated: July 1st, 2017

Please read these Terms and Conditions ("Terms", "Terms and Conditions", “Terms of Service”) carefully before using the http://invoice.to website (the "Service") operated by Kuneri Ltd. ("us", "we", or "our").

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

You understand that Service is experimental and not suitable for any use other than testing. Use "as is" and at your own risk.


We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Links to other websites and services

Our Service may contain links to third party web sites or services that are not owned or controlled by us.

We do not have control over, and assume no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of such third party web sites or services.

Third Party products and services

We are not a bank, a money services business, or a payment processor. Payments are processed through Stripe, Paypal or Plaid; a provider of payment services. The Service collects and relays information, generated in connection with your accepted card payment or account information.

Your relationship with these third parties is separate from your relationship with the Service and is governed by the terms of service, of the related third party site. You must sign up for an account with Stripe, Paypal or Plaid and agree to abide by the Terms of Service located at below. Please review those terms carefully and make sure You understand and agree to them.

We are not responsible for anything regarding with these third parties. You are responsible for all transactions processed via PayPal, Stripe, Plaid. We cannot and will not be liable for loss or damage from errant or invalid transactions processed via Paypal, Stripe or Plaid. This includes transactions that were not processed due to a network communication error, or any other reason. If you process a transaction, it is your responsibility to verify that the transaction was successfully processed by Stripe, PayPal, Plaid. Complaints, claims, concerns, or questions regarding payment processing.

We are neither payment receiver nor payment sender. We are only the application owner and we do not have any responsibilities to issue, follow, track or request a chargeback or refund. Chargebacks and refunds are on your own responsibilities.

We do not collect or store any payment information. Collections and transaction of payer, payee and payment information is performed by third party payment processors (i.e Stripe, Paypal, Plaid).

Governing Law

These Terms shall be governed and construed in accordance with the laws of Finland, without regard to its conflict of law provisions

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service

Disclaimers; Indemnity; Representation and Warranty

Certain online services including access to online banking, online payments, digitization, storage of receipts, and other online services related to the use of the Service are provided by financial institutions and other third party service providers, such as Stripe. You agree to hold harmless and release us from any liability relating to your use of such online services. Your access to and conditions of use of such services may be limited in accordance with the terms of use published by each such third party provider. You may be billed by your third party provider(s) for such service(s) and any such fees or costs (including text, data, phone, and delivery charges) are independent of us and will be paid by You. You represent and warrant that you have the right to provide us with usernames, passwords, personal information and other access credentials which we may require to access any third party services or accounts in connection with the Services.


You acknowledge that we may communicate with you electronically. You consent to receiving these electronic communications. You may at any time withdraw your consent to receiving these electronic messages.


We reserve the right, at our sole discretion, to modify or replace these Terms at any time, without notice.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service


If you have any questions about these Terms, please reach us at admin-at-invoice.to