XOWE Terms of Use

Effective date: 31 August 2026 Last updated: 31 August 2026 (dispute resolution rewritten, copyright complaints added, the online payment fee restated, notices and force majeure added; export controls, the deadline for claims, cancellation steps and the limits on email use added later the same day; the copyright agent's telephone number and registration number added)

These Terms of Use ("Terms") are a contract between you and TivForge LLC, a limited liability company registered in North Carolina, United States ("TivForge", "we", "us"), and govern your use of the XOWE iPhone app and the services behind it (together, the "Service").

By downloading, opening or using XOWE you accept these Terms. The app also shows you this link and asks you to confirm your acceptance before you subscribe. If you do not accept these Terms, do not use the Service.

Section 14 contains a binding arbitration agreement and a class action waiver that affect how disputes between us are resolved, and a one-year deadline for bringing a claim. Please read it. You may opt out of arbitration within 30 days — section 14.5 says how, and it costs you nothing.

1. Who may use the Service

You must be at least 18 years old and able to enter into a binding contract. XOWE is a tool for business use — issuing invoices and estimates in the course of a trade, business, craft or profession. If you are using it on behalf of a company, you confirm that you are authorised to accept these Terms for that company, and "you" means both you and that company.

You may not use the Service if you are barred from doing so under the laws of the United States or of your country of residence.

Export controls and sanctions. The Service and the software behind it are subject to United States export control and economic sanctions law — including the Export Administration Regulations administered by the Department of Commerce and the sanctions programmes administered by the Treasury's Office of Foreign Assets Control (OFAC) — and, where it applies, to Regulation (EU) 2021/821. By using the Service you represent that you are not located in, ordinarily resident in, or organised under the laws of any country or territory subject to comprehensive US sanctions, and that neither you nor anyone who owns or controls you is named on any restricted party list, including OFAC's Specially Designated Nationals list and the Commerce Department's Entity and Denied Persons lists. You agree not to use the Service, or to invoice or collect payment through it, in breach of those laws, and not to make the Service available to anyone who would be. We may suspend or close an installation to comply with them.

2. Your licence to the app

The app is licensed, not sold, to you. Your licence to use the XOWE app is Apple's Standard End User Licence Agreement at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/, as modified by these Terms. Where the two conflict on a matter Apple's EULA covers, these Terms prevail to the extent permitted.

You may not copy, modify, reverse engineer, decompile or create derivative works of the app, except to the extent that applicable law expressly permits it despite this restriction.

About Apple. These Terms are between you and TivForge only, not with Apple. Apple is not responsible for the app or its content and has no obligation to furnish any maintenance or support for it. If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the app, if any; to the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the app. Apple is not responsible for addressing any claim by you or a third party relating to the app, including product liability claims, failure to conform to a legal requirement, or claims under consumer protection or privacy legislation. Apple is not responsible for investigating, defending, settling or discharging any third party claim that the app infringes intellectual property rights. Apple and its subsidiaries are third party beneficiaries of these Terms and have the right to enforce them against you.

3. There is no account — your installation is your key

XOWE has no sign-up and no password. Your device holds an installation identifier and a secret in the iOS Keychain, and those are what identify your data to our servers.

This has consequences you should understand and accept:

4. Your content, and what you are responsible for

Everything you put into XOWE — your business details, your logo, your clients, your documents — is your content. You keep all rights in it. We claim no ownership.

You grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, render and display your content solely in order to provide the Service to you: to render your documents into PDF, to host the pages you share with your clients, to send the emails you ask us to send, and to keep the whole thing backed up and working. This licence exists for no other purpose and ends when you delete the content — except that it continues, for those same purposes only, for any copy that remains in our encrypted backups until it is rotated out, and for any copy the law requires us to keep.

You are responsible for your content and for how you use the Service. In particular you confirm that:

XOWE is not built for sensitive or regulated information. It is an invoicing tool: it holds business details, contact details and the lines of a document. Do not put into it health or medical records, biometric data, government identity numbers belonging to other people, card or bank credentials, or anything else whose handling carries heightened legal duties — under GDPR Article 9, HIPAA, PCI DSS or their equivalents. Our Data Processing Addendum states the same prohibition as a term of your instructions to us. If you put such data in anyway, you do it on your own responsibility: we do not inspect what you upload, cannot detect it, and the Service is neither designed nor certified for it.

5. Sharing links and reminder emails

When you send a document, we create a page on our domain where its recipient can view, download and — where you have created a payment link — pay it. The link is long and random and is not indexed by search engines, but anyone who has it can open the page. Each link is valid for 180 days; sending the document again issues a new link and invalidates the old one.

If you enable email reminders, we email the recipient of an unpaid invoice around its due date, on your behalf, from our sending domain and with your business named as the sender. You instruct us to send those emails and you are responsible for being entitled to email that recipient. Every reminder gives the recipient a way to stop further reminders for that invoice, and we stop emailing an address that hard-bounces or reports us as spam.

You may switch reminders off at any time in the app.

Every document and every reminder leaves from a sending domain we own, so one sender's abuse costs every other user their deliverability. We may restrict, suspend or disable your access to the emailing and share-link features — without disabling the rest of the app — if we reasonably believe they are being used to send unsolicited mail, to invoice people who have not dealt with you, or in breach of anti-spam law or of these Terms. Where the problem is not serious we will tell you first. We also permanently stop emailing an address that hard-bounces or reports us as spam, for every user, and neither you nor we can override that.

6. Subscriptions

XOWE offers a free tier and a paid Premium subscription. Prices, billing periods and the features included are shown in the app before you buy and may differ by country.

If your subscription lapses, Premium features stop and free-tier limits apply again. Your documents and clients are not deleted.

7. Stripe payments and the platform fee

XOWE can create Stripe payment links so that your clients can pay you by card. To use this you must connect your own Stripe account. Your relationship with Stripe is governed by Stripe's own agreements, which you enter into directly with Stripe. Money flows from your client to your Stripe account; we never hold, receive or handle your funds.

Platform fee. On each payment collected through a Stripe payment link created in XOWE, we charge a platform fee of 1% of the payment amount. This fee:

Any figure the app shows for Stripe's own processing fee is an estimate based on Stripe's published rates. The exact fee is determined and deducted by Stripe, may differ, and we do not guarantee it.

Tips. You can enable Accept tips in the app. When it is on, the page your client opens to pay offers them the option to add a voluntary tip on top of the invoice total. Tips are off until you turn them on, and whether they are offered is fixed for each document at the moment you send it — turning the setting off later does not change a page you have already sent.

Disconnecting Stripe stops new payment links from being created. It does not affect links already issued or payments already made.

8. Acceptable use

You may not:

We may suspend or terminate access that we reasonably believe violates this section, and where the violation is not serious we will try to warn you first.

Fraud and financial crime are the exception to that warning. Where we reasonably believe the Service is being used for fraud, attempted fraud, money laundering, sanctions evasion or any other financial crime, we may suspend or close the installation immediately and without notice, stop new payment links from being created, and — where the law requires or permits it — report the matter to Stripe, to law enforcement or to a regulator and give them the information they are entitled to. We do this to protect the people being invoiced as much as ourselves. It does not make us responsible for detecting fraud, and nothing here obliges us to monitor what you send.

9. Availability and changes

We aim to keep the Service available but we do not guarantee uninterrupted or error-free operation. We may modify, add or remove features, and we may change what the free and Premium tiers include. If a change materially reduces what a paid subscription gives you, we will give you notice the way section 16 describes, so that you can cancel before your next renewal.

We may discontinue the Service. If we do, we will give at least 60 days' notice the same way, so that you can export your documents.

10. Ending it

You may stop at any time: delete the app, and use Settings → Data & Privacy → Delete All My Data if you also want your data erased from our servers. Deleting your data closes the installation permanently and cannot be undone.

We may suspend or terminate your access if you materially breach these Terms, if we are required to by law, or if we discontinue the Service under section 9.

Sections 4 (as to your responsibilities), 11, 12, 13, 14, 16 and 17 survive termination.

11. Third party services

XOWE relies on services operated by others — Apple, Stripe, Google and the providers listed in our Privacy Policy. Their terms apply to their services, we do not control them, and we are not responsible for their acts, omissions or outages. Address autocomplete is powered by the Google Places API and is subject to Google's terms.

12. Disclaimers

The Service is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Service will be uninterrupted, secure, error-free, or that documents it produces will meet the legal, tax or accounting requirements of any jurisdiction.

Some jurisdictions do not allow the exclusion of certain warranties. Where that is the case, the exclusions above apply only to the extent permitted, and nothing in these Terms limits any right you have as a consumer under the mandatory law of your country of residence.

13. Limitation of liability and indemnity

To the maximum extent permitted by law, TivForge is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, lost business, lost goodwill, or lost or corrupted data, however caused and on any theory of liability.

Our total liability arising out of or relating to the Service is limited to the greater of the amounts you paid us in the twelve months before the event giving rise to the claim, or USD 100.

Nothing here excludes liability that cannot be excluded by law, including liability for death or personal injury caused by negligence, or for fraud. Nothing here limits liability that data protection law does not permit to be limited, including a data subject's rights under Article 82 GDPR and the third party beneficiary rights in the Standard Contractual Clauses incorporated into our Data Processing Addendum.

You will indemnify and hold TivForge harmless from claims, damages and reasonable legal costs arising out of your content, your use of the Service in breach of these Terms, or your breach of any law or of the rights of a third party — including a claim brought by a client of yours about how their personal data was handled by you.

14. Governing law and dispute resolution

These Terms are governed by the laws of the State of North Carolina, United States, without regard to its conflict of laws rules and excluding the UN Convention on Contracts for the International Sale of Goods.

14.1 First, talk to us

Before starting arbitration or any other formal proceeding, send a written notice of dispute to support@tivforge.com, or to the postal address in section 18, describing the claim and the relief you want. We will do the same before bringing a claim against you. Give us 30 days to resolve it; most things end here. This notice is a condition of starting proceedings, and any limitation period is paused while the 30 days run.

14.2 Arbitration

If we cannot resolve it, you and TivForge agree that any dispute arising out of or relating to these Terms or the Service — including its formation, breach, termination and enforceability — will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") before a single arbitrator. The AAA's Commercial Arbitration Rules apply, except that where you are an individual using XOWE for personal, family or household purposes the AAA's Consumer Arbitration Rules apply instead. The arbitration is seated in North Carolina, but you may elect to have it conducted remotely, on written submissions only, or at a hearing in the federal judicial district where you live. The arbitrator may award any relief a court could award you individually, and may award you your costs where the applicable AAA rules or the law provide for it. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs this section.

We pay for the arbitration. For an arbitration you start, you pay the AAA filing fee — or, where the applicable rules set a lower consumer filing fee, that one — and we pay the rest of the AAA's fees and the arbitrator's costs. For an arbitration we start, we pay all of them. If the arbitrator finds your claim frivolous or brought for an improper purpose, the AAA rules govern who pays from that point. Cost is not meant to be the reason a claim against us goes unheard.

You and TivForge each waive the right to a jury trial.

14.3 Who decides what

The arbitrator, and not a court, decides all questions about the interpretation, scope, applicability, enforceability and formation of this arbitration agreement — except that a court decides whether the class action waiver in 14.4 is enforceable, and decides any claim falling under the exceptions in 14.6.

14.4 Class action waiver

You and TivForge each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, private attorney general or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of class proceeding. If this waiver is held unenforceable as to a particular claim or remedy, that claim or remedy is severed and proceeds in a court of competent jurisdiction while everything else stays in arbitration.

14.5 You can opt out of arbitration

You may reject sections 14.2 to 14.4 in full. Write to support@tivforge.com with the subject "Arbitration opt-out" — or send the message from Settings → Contact Us in the app, which identifies your installation for us automatically — within 30 days of first accepting these Terms, or, if we later change this section, within 30 days of that change taking effect. Opting out costs you nothing, changes nothing else in these Terms, and we will not treat you differently for it. If you opt out, disputes go to the courts described in 14.8.

14.6 Exceptions

Either of us may bring an individual claim in small claims court — you in the county or district of your own billing address, if you prefer it — and either of us may seek injunctive or other equitable relief in court for infringement or misuse of intellectual property.

14.7 Many similar claims

If 25 or more claimants submit notices of dispute or arbitration demands raising substantially similar claims, and are represented by the same or by coordinated counsel, the claims will be resolved in staged batches of no more than 50, each batch before a single arbitrator, with each side selecting an equal number of the claims in a batch. Limitation periods are paused for every claim in the queue while earlier batches proceed, and either of us may ask the arbitrator to apply a batch's outcome to the remaining claims. If this paragraph is held unenforceable, the claims proceed individually.

14.8 If you are outside the United States

If you are a consumer in the EEA, the United Kingdom or Switzerland, or anywhere else whose mandatory law gives you the right to bring proceedings in your local courts or forbids pre-dispute arbitration agreements, this section does not take that right away: you may bring proceedings in the courts of your country of residence and the mandatory consumer protection law of that country applies to you regardless of the choice of North Carolina law above. Where the arbitration agreement does not apply or has been opted out of, the state and federal courts sitting in North Carolina have jurisdiction, and each of us consents to it.

14.9 Deadline for bringing a claim

To the extent the law allows a contract to set one, any claim arising out of or relating to these Terms or the Service must be brought within one year of the date the claim arose, or it is permanently barred. The year is paused while the notice period in 14.1 runs.

This does not apply where the law forbids shortening a limitation period, and it does not apply at all if you are a consumer in the EEA, the United Kingdom or Switzerland, or anywhere else whose mandatory law gives you a longer period — there, your own law's period applies. It does not shorten anything for a claim we could not reasonably have expected you to discover within the year.

15. Changes to these Terms

We may update these Terms. The current version is always at tivforge.com/xowe/terms with its effective date at the top. If a change is material, we will publish it there with a new effective date at least 14 days before it takes effect, and give you notice the way section 16 describes. Because the Service has no accounts and we hold no email address for you, that page is the authoritative record — check it if you have notifications switched off. Continuing to use the Service after a change takes effect means you accept the new version; if you do not accept it, stop using the Service and, if you wish, delete your data.

16. General

These Terms, together with the Privacy Policy and the Data Processing Addendum, are the entire agreement between us about the Service and replace any earlier understanding.

If a provision is held unenforceable, it is limited or severed to the minimum extent necessary and the rest stays in force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor in connection with a merger, acquisition or sale of assets.

Notices. Notices to us go to support@tivforge.com or to TivForge LLC, 5144 Mabe Drive, Holly Springs, NC 27540, United States. Because the Service has no accounts and we therefore hold no email address for you, notices to you are given by publishing them at tivforge.com/xowe/terms with a new effective date and, where you have enabled notifications, by push notification to your device; a published notice takes effect when it is published.

Feedback. If you send us a suggestion about the Service, we may use it without restriction, obligation or payment. That gives us no right to your content.

Force majeure. Neither of us is liable for a failure or delay in performance caused by something outside our reasonable control — including outages of the third party services named in section 11, network, hosting or power failures, natural events, war, or acts of government. It does not excuse payment obligations already incurred.

17. Copyright complaints

We host the pages you share with your clients and the logo you upload. If you believe material hosted by us infringes your copyright, send a notice under the Digital Millennium Copyright Act to our designated agent:

Copyright Agent, TivForge LLC 5144 Mabe Drive, Holly Springs, NC 27540, United States Telephone: +1 215 602 1330 support@tivforge.com

This agent is registered with the United States Copyright Office under registration number DMCA-1079554.

Your notice must contain: your physical or electronic signature; identification of the copyrighted work; identification of the material you say infringes it, with enough detail for us to find it — the full link; your contact details; a statement that you believe in good faith that the use is not authorised by the owner, its agent or the law; and a statement, made under penalty of perjury, that the information is accurate and that you are the owner or authorised to act for the owner.

We remove or disable material in response to a valid notice, and we close the installations of repeat infringers. If your material was removed and you believe that was a mistake, send a counter-notice to the same address.

If the material we remove is yours. Acting on a notice we reasonably believe to be valid is not a breach of these Terms by us, and we are not liable to you for the removal, for the document or logo becoming unavailable, or for anything that follows from it — whether the complaint later proves well founded or not. We will tell you that we removed something and why, by the means available to us under section 16, so that you can send a counter-notice if you believe the complaint was wrong. We are caught between a claim from the person complaining and a complaint from you; removing first and letting you answer is what the law expects of us, and it is what we will do.

If you are in the European Union or the United Kingdom, you may instead give us notice under Regulation (EU) 2022/2065 (the Digital Services Act) or Directive 2000/31/EC and their national implementations, whichever applies to you. Send it to the same address. Describe the material, where it is — the full link — and the right you say it infringes, and tell us how to reach you. We will act on it expeditiously and tell you what we decided and why, and you keep every right you have to take the matter to a court or an out-of-court dispute settlement body in your own country. The same route is open for material you say is unlawful for a reason other than copyright.

18. Contact

TivForge LLC 5144 Mabe Drive Holly Springs, NC 27540 United States support@tivforge.com