1. Acceptance of Terms
By creating an account or using Kelvo ("Service"), you agree to be bound by these Terms of Service ("Terms"). These Terms form a legally binding contract between you and QuattroTech OÜ ("Company", "we", "us"), a private limited company registered in Estonia (registry code 16365229).
If you are using Kelvo on behalf of a business, you represent that you have authority to bind that business to these Terms, and "you" refers to both you and that business.
If you do not agree to these Terms, you must not use the Service.
2. The Service
Kelvo is a cloud-based invoicing and financial management tool designed for freelancers and independent contractors. The Service includes invoice creation and delivery, expense tracking, client management, an accounting ledger, automated payment reminders, recurring invoices, and an email-based data entry interface ("Magic Email Inbox").
We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.
3. Accounts
3.1 Registration
You must provide a valid email address and create a password to use Kelvo. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us immediately at support@kelvo.app if you suspect unauthorised access.
3.2 One account per person
Each account is for a single individual. You may not share your account credentials or allow another person to use your account as their own. Multi-user or team features, if offered, will have their own terms.
3.3 Accurate information
You agree to provide accurate, current, and complete information when registering and to keep your account information up to date. Accounts registered with false information may be suspended.
4. Billing & Plans
4.1 Subscription
Kelvo Pro is a paid subscription billed monthly. Prices are displayed in your local currency at checkout. All prices are inclusive of any applicable EU VAT. We reserve the right to change pricing with 30 days' advance notice.
4.2 Payment
Payments are processed by our third-party billing provider. By subscribing, you authorise us to charge your payment method on a recurring monthly basis until you cancel. All charges are non-refundable except as required by applicable law or as stated in our refund policy.
4.3 Cancellation
You may cancel your Kelvo Pro subscription at any time from Settings → Billing. Your access to Pro features continues until the end of the current billing period. After that, your account reverts to the Free tier — your data is preserved.
4.4 Failed payments
If a payment fails, we will retry up to three times over seven days. If payment is not collected after that period, your account will be downgraded to the Free tier. You can re-enter payment details to reactivate Pro at any time.
4.5 Refunds
If you are an EU consumer, you have a 14-day right of withdrawal from the date of your first subscription purchase, unless you have already used the Pro features, in which case the right of withdrawal is waived. To request a refund under this right, contact billing@kelvo.app.
5. Free Tier
The Free tier is provided at no cost and includes a limit of 5 invoices per calendar month. Other features (expense tracking, account book, client management) are unlimited on the Free tier. We reserve the right to adjust Free tier limits with 30 days' notice. We will never charge you for the Free tier without your explicit consent.
6. Acceptable Use
You agree not to use the Service to:
- Violate any applicable law or regulation
- Send invoices or communications that are fraudulent, misleading, or constitute spam
- Impersonate any person or entity
- Upload or transmit viruses, malware, or any malicious code
- Attempt to gain unauthorised access to any part of the Service or another user's data
- Scrape, crawl, or systematically extract data from the Service
- Interfere with or disrupt the integrity or performance of the Service
- Use the Service to invoice for illegal goods or services
Violation of this section may result in immediate suspension or termination of your account without refund.
7. Intellectual Property
7.1 Our property
Kelvo, including its design, software, brand, and all content we create, is owned by QuattroTech OÜ and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable licence to use the Service for your own business purposes in accordance with these Terms.
7.2 Your property
All data you enter into Kelvo — clients, invoices, expenses, logos — remains yours. We claim no ownership over your content. Our licence to your content is limited to what is necessary to operate and improve the Service (see Section 8).
8. Your Content
You retain ownership of all content you upload or create in Kelvo. By using the Service, you grant QuattroTech OÜ a worldwide, royalty-free, non-exclusive licence to store, process, display, and transmit your content solely to provide the Service to you.
We may use aggregated, anonymised, non-identifiable data derived from usage patterns to improve the Service. We will never share or sell identifiable data about your business or clients.
You are solely responsible for the accuracy, legality, and completeness of the content you enter. We do not verify invoice amounts, client details, or expense records.
9. Privacy
Our collection and use of personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you agree to the processing of your data as described in the Privacy Policy.
10. Disclaimers
The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
Kelvo is a tool to help you manage your invoicing and finances. It is not a substitute for professional accounting, legal, or tax advice. We make no representations about the accuracy of financial calculations, tax rates, or compliance with the laws of your jurisdiction. You are responsible for verifying all financial data and for compliance with applicable tax obligations.
We do not guarantee that the Service will be uninterrupted, error-free, or that defects will be corrected. We target 99.9% uptime but make no binding SLA commitment on the Free or Pro tiers.
11. Limitation of Liability
To the maximum extent permitted by applicable law, QuattroTech OÜ and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of revenue, loss of data, loss of goodwill, or business interruption — arising out of or in connection with your use of the Service, even if we have been advised of the possibility of such damages.
Our total aggregate liability to you for any claims arising under or related to these Terms or the Service shall not exceed the greater of (a) the total fees you paid to us in the 12 months preceding the claim, or (b) €50.
Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable law.
12. Indemnification
You agree to defend, indemnify, and hold harmless QuattroTech OÜ and its officers, directors, employees, and agents from and against any claims, damages, losses, and expenses (including reasonable legal fees) arising from: (a) your use of the Service in violation of these Terms; (b) your content; or (c) your violation of any law or the rights of a third party.
13. Termination
13.1 By you
You may delete your account at any time from Settings → Account → Delete Account. Deletion is permanent. We recommend exporting your data before deleting.
13.2 By us
We may suspend or terminate your account immediately if you breach these Terms, engage in fraudulent activity, or if we are required to do so by law. For non-material breaches, we will provide notice and a reasonable opportunity to remedy the issue before taking action.
13.3 Effect of termination
Upon termination, your right to use the Service ceases immediately. Sections 7, 10, 11, 12, and 14 survive termination.
14. Governing Law & Disputes
These Terms are governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict-of-law provisions. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Any dispute arising from or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to the exclusive jurisdiction of the courts of Estonia.
If you are a consumer resident in the EU, you may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
15. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes by email at least 14 days before they take effect. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.
If you do not agree with a change, you must stop using the Service and may delete your account before the effective date.
16. Contact
Questions about these Terms? Reach us at: