Terms of Service

These terms govern your use of the Umikflow Billing website and workspace at billing.umikflow.com. By creating an account or using the service, you accept them.

If you are using Umikflow on behalf of a business, you confirm you are authorised to accept these terms for that business.

Umikflow Billing is a record-keeping tool. It stores client records and payments you enter, calculates outstanding balances from them, produces invoice documents, and prepares reminder messages for you to send.

It is important to be clear about what it is not:

• It is not a payment processor. Umikflow does not collect, hold, transfer or refund money, and has no payment gateway. Your clients pay you directly by whatever means you arrange, and you record what arrived.
• It does not send messages on your behalf. Reminders are composed and opened in WhatsApp for you to review and send. There is no automated or scheduled sending.
• It is not accounting, tax or legal software. Invoices carry no tax calculation, no VAT, GST or sales tax treatment and no sequential numbering, and nothing in the service constitutes financial or legal advice.

You need a valid email address to create an account, and you must confirm that address. You are responsible for keeping your password confidential and for everything that happens under your account.

Tell us promptly if you believe your account has been accessed by someone else. If you have forgotten your password, use the password reset, which works through your registered email address.

One person or business, one account. Do not share account credentials.

The client and payment records in your workspace are yours. We claim no ownership of them and we do not use them for any purpose other than operating the service for you.

In return, you are responsible for what you enter. Specifically, you confirm that you have a lawful basis for holding the personal information of the clients you record, that you will keep it accurate, and that you will respond to any request they make to you about it. The workspace lets you edit and remove records so you can meet those obligations.

You are also responsible for the accuracy of the figures. Umikflow calculates balances from what you enter; it cannot know whether an agreed fee or a recorded payment is correct.

You agree not to:

• Use the service to harass, threaten or intimidate anyone, including through reminder messages composed in it.
• Use it for unlawful purposes, or to record information you have no right to hold.
• Attempt to access another merchant's workspace, probe or bypass the access controls, or interfere with the service's operation.
• Scrape, resell or redistribute the service, or use automated means to create accounts.
• Upload or transmit anything designed to damage the service or its users.

Reminders you send are your messages, sent from your own WhatsApp account. You are responsible for their content and for complying with WhatsApp's terms and with any law governing debt collection communications where you operate.

If you find a security weakness, please report it to support@umikflow.com rather than exploiting it. See the security page.

The service is provided as it is. We do not offer a guaranteed uptime level, and the service may be unavailable for maintenance, because of a fault, or because a provider we depend on has an outage.

We may add, change or remove features. Where a change materially reduces what the service does, we will make a reasonable effort to tell account holders.

Keep your own copy of anything you cannot afford to lose. Invoices can be downloaded as PDFs, and you can request an export of your records by writing to us.

Creating and using a workspace is currently free, and no payment details are requested at any point. If that changes, we will announce it in advance and existing accounts will not be charged without notice and an explicit choice to continue.

The Umikflow name, logo, website, interface and underlying software belong to us. These terms give you permission to use the service; they do not transfer any ownership in it.

The content you enter, and the invoices you generate from it, remain yours to use however you wish.

The service is provided “as is”, without warranties of any kind to the extent the law permits. We do not warrant that it will be uninterrupted, error-free, or that it will result in any particular commercial outcome.

We are not liable for indirect or consequential loss, for lost profits or revenue, for payments a client did not make, or for business decisions taken on the basis of figures in your workspace. You are responsible for verifying anything material before acting on it.

Nothing in these terms excludes liability that cannot lawfully be excluded.

We may suspend an account that breaches these terms. A suspended account can still sign in and will see an explanation, but cannot reach its workspace data. If you believe a suspension is a mistake, write to us and we will review it.

You can stop using the service at any time. To have your account and its data deleted, email support@umikflow.com from the address on the account.

We may update these terms as the service changes. The date at the top of this page shows when they were last revised, and continuing to use the service after a change means you accept the revised terms.

Questions about these terms go to support@umikflow.com, or through the contact page.