Terms of Service

These Terms of Service ("Terms") govern your access to and use of Billing Zero, a billing and invoicing platform operated by FameBo LLC("FameBo," "we," "us"), owner of billingzero.com. By creating an account or using the Service, you agree to these Terms.

1. The Service

Billing Zero lets you create clients, send agreements and statements of work for electronic signature, issue invoices, accept payments, and manage recurring billing. We provide the software; we are not a bank, a payment processor, or a party to the agreements you make with your own clients.

2. Your account

You must be at least 18 and provide accurate information. You are responsible for activity under your account and for keeping your credentials secure. You are responsible for the content you upload and the agreements, invoices, and communications you send to your clients.

3. Payments, processing, and fees

Payments are processed by Stripe, Inc.under Stripe's own terms. Stripe's processing fees (currently around 2.9% + $0.30 per card transaction, and a lower fee for bank/ACH transfers) apply to funds you collect. FameBo does not take a percentage of your transaction volume.

Card surcharging. The Service can add a processing surcharge to card payments so the fee is passed to the payer. If you enable this, you are solely responsible for complying with applicable card-network rules and law, including: surcharges may not be applied to debit or prepaid cards; the surcharge may not exceed the applicable cap or your actual cost of acceptance; and the surcharge must be clearly disclosed to the payer before payment. Some jurisdictions restrict or prohibit surcharging. Payers can always choose a bank/ACH transfer to avoid the card surcharge. You agree to indemnify FameBo for any claims arising from surcharges you choose to apply.

Any subscription fees for the Service itself will be disclosed to you before they apply and are non-refundable except where required by law.

4. Electronic signatures

Agreements and statements of work signed through the Service are executed electronically. By signing, both parties consent to the use of electronic records and signatures under the U.S. E-SIGN Act and applicable state law (including California's UETA), and agree that an electronic signature has the same legal effect as a handwritten one.

5. Acceptable use

You may not use the Service to send unlawful, deceptive, or infringing content; to bill for prohibited goods or services; to violate any law (including tax, consumer-protection, and payment-surcharge law); or to interfere with the Service's operation or security.

6. Third-party services

The Service relies on third parties including Stripe (payments) and Resend (email delivery). Your use of those features is also subject to those providers' terms, and we are not responsible for their acts or omissions.

7. Disclaimers

The Service is provided "as is" without warranties of any kind. We do not provide legal, tax, or accounting advice; the templates, agreements, and clauses available in the Service are starting points that you should review and adapt for your situation.

8. Limitation of liability

To the fullest extent permitted by law, FameBo will not be liable for any indirect, incidental, or consequential damages, or for lost profits or revenue. Our total liability for any claim relating to the Service is limited to the amount you paid us for the Service in the twelve months before the claim.

9. Termination

You may stop using the Service at any time. We may suspend or terminate access for violation of these Terms or to protect the Service or its users. Provisions that by their nature should survive termination will survive.

10. Governing law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. The exclusive venue for disputes is the state and federal courts located in California.

11. Changes

We may update these Terms from time to time. Material changes will be posted here with an updated date, and continued use of the Service means you accept the revised Terms.

12. Contact

Questions about these Terms? Email support@billingzero.com.