Terms of Service

Last updated: 3 June 2026

These Terms of Service ("Terms") govern your access to and use of Noria Billing (the "Service"), operated by Noria Technologies LTD ("Noria", "we", "us", or "our"). By creating an account, accessing, or using the Service you agree to these Terms. If you are using the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms, and "you" refers to that organization.

If you do not agree to these Terms, do not use the Service.

1. The Service

Noria Billing is a multi-tenant invoicing and payment-collection platform. It lets you ("Merchant") create customers and invoices, share payment links, and collect payments from your customers through third-party payment providers, including mobile money and card or bank transfers. Each Merchant operates within an isolated workspace.

The Service also lets you send payments (payouts/disbursements) to third parties through these providers.

We provide the software that facilitates these activities. We are not a bank, payment processor, money transmitter, or party to the underlying payment. Funds move between your customers and your own provider/merchant accounts, and from your own provider/merchant account to recipients you choose, under the terms of those providers.

2. Accounts and eligibility

• You must provide accurate account information and keep it current.
• You are responsible for all activity under your account and workspace, including activity by members you invite.
• You must safeguard your sign-in credentials, one-time codes, and API keys. Tell us promptly of any suspected unauthorized access.
• You must be capable of forming a binding contract and not barred from using the Service under applicable law.

3. Workspaces, members, and roles

A workspace is the tenant boundary. Owners and admins can manage company details, payment-provider credentials, members, API keys, and the subscription. Members may perform day-to-day billing operations. You are responsible for assigning roles appropriately and for the actions of everyone you grant access.

4. Subscriptions, plans, and billing

• The Service is offered on tiered plans (e.g. Free, Pro, Business) with differing limits and features ("Entitlements"). Current plans and prices are shown in the app.
• Card subscriptions renew automatically each cycle until cancelled. Mobile-money subscriptions are paid manually each cycle; we will remind you before expiry, and if a cycle is not paid within the stated grace period the workspace is downgraded to the Free plan.
• Fees are charged in advance and, except where required by law, are non-refundable. Taxes may apply and are your responsibility unless stated otherwise.
• We may change plans, Entitlements, or prices on reasonable notice. Continued use after a change takes effect constitutes acceptance.
• Exceeding a plan's Entitlements (for example, monthly invoice or member limits) may require an upgrade before you can continue the affected action.

5. Collecting and sending payments

• To collect or send payments you must configure your own payment-provider credentials. Your use of each provider is governed by that provider's terms, and you are responsible for complying with them and for any fees they charge.
• You are the merchant of record for transactions with your customers. You are responsible for the accuracy of invoices, the legitimacy of charges, refunds, chargebacks, disputes, and customer support relating to your sales.
• Payouts. Where you use the Service to send payments to third parties, you are solely responsible for the accuracy of the recipient and amount you enter, for having the authority and a lawful basis to pay that recipient, and for maintaining sufficient funds with your provider. Payments may be irreversible once sent; we are not liable for payments misdirected due to details you provide.
• You authorize us to transmit payment instructions and receive settlement notifications (webhooks) on your behalf solely to operate the Service.

6. Acceptable use

You agree not to use the Service to:

• break any law or regulation, including anti-money-laundering, sanctions, tax, consumer-protection, or data-protection rules;
• collect payments for fraudulent, deceptive, or prohibited goods or services, or send payouts to sanctioned, fraudulent, or otherwise unlawful recipients;
• infringe others' intellectual property or privacy;
• upload malware, attempt to breach security or tenant isolation, probe or scrape the Service without authorization, or interfere with its operation;
• send unlawful, abusive, or unsolicited communications via the Service.

We may suspend or terminate access for suspected violations.

7. Your content and data

You retain all rights to the data you and your customers put into the Service ("Customer Data"). You grant us a limited licence to host, process, and transmit Customer Data solely to provide and improve the Service and as described in our Privacy Policy. You are responsible for having the necessary rights and notices to collect and process your customers' information.

8. Intellectual property

The Service, including its software, design, and trademarks, is owned by Noria and its licensors and is protected by law. These Terms grant you a limited, non-exclusive, non-transferable right to use the Service; no other rights are granted.

9. Third-party services

The Service integrates third parties (including payment providers and email and cloud infrastructure providers). We are not responsible for third-party services, their availability, or their acts and omissions. Your use of them may be subject to separate terms.

10. Term, suspension, and termination

• These Terms apply while you use the Service.
• You may stop using the Service and delete your workspace at any time from Settings. Deletion permanently removes workspace data and cannot be undone; export first if needed.
• We may suspend or terminate access if you breach these Terms, fail to pay, or create risk or legal exposure, with notice where practicable.
• You can export your data from Settings before termination. After termination we may delete your data in line with our retention practices.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that payment providers will process any transaction.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NORIA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUES, DATA, OR GOODWILL. OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE FEES YOU PAID US IN THE THREE (3) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. Nothing limits liability that cannot be limited under applicable law.

13. Indemnification

You will indemnify and hold harmless Noria from claims, losses, and expenses (including reasonable legal fees) arising from your Customer Data, your use of the Service, your sales to your customers, or your breach of these Terms or applicable law.

14. Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a new "Last updated" date and, for material changes, provide reasonable notice. Your continued use after the changes take effect constitutes acceptance.

15. Governing law and disputes

These Terms are governed by the laws of the Republic of Kenya, without regard to conflict-of-laws rules. The courts of Kenya have exclusive jurisdiction over any dispute, subject to any mandatory consumer protections that apply to you.

16. Contact

Questions about these Terms: [email protected].