Terms of Use

Last updated: July 28, 2025

General provisions
Definitions
Access to the application
Sending sales invoices
Document retention
Obligations of the parties
Confidentiality and data
Cooperation partners
Copyright
Support and notifications
Payment terms
Validity and amendment of the contract
Resolving complaints

1. General provisions

These General Terms and Conditions of Use of the Services (“Terms”) govern the services (“Services”) provided by Finbite OÜ (registration code 16077631, address Peterburi tee 2F, 11415 Tallinn, Estonia, hereinafter “Finbite”), which Finbite offers to its clients (“Client”) and their employees. Bilnex.io via the environment (“Environment”/“Platform”/“Application”).

Bilnex.io is an environment managed by Finbite OÜ, through which Finbite enables invoicing and other services related to the automation of accounting processes. Finbite is the sole legal entity providing and responsible for these services.

No separate written agreement is entered into between Finbite and the Client for the use of the Services. Acceptance of these Terms shall be deemed to be a binding contractual agreement (“Agreement”) between Finbite and the Client regarding the use of the Services. In addition to the Terms of Use, Finbite and the Client shall base their transactions on the Bilnex price lists of services and products (hereinafter referred to as the price list) and privacy policy.

The Client agrees to the Terms and Conditions either by registering in the Bilnex.io environment and/or by using the Bilnex.io environment or other Services provided by Finbite. Such acceptance means that the Client has read the Terms and Conditions, understood them and undertakes to comply with them.

If any provision of the Terms of Use proves to be invalid in whole or in part due to a change in legislation, the Terms of Use will remain valid in other respects.

Finbite offers the following as part of the Bilnex Service:

Access to the Bilnex environment;
Sending sales invoices according to the desired sales invoice channels;
Document retention.

2. Definitions

In the Terms of Use, the following terms are used with the following meanings:

Invoice is for Finbite Bilnex An electronic document prepared and entered for the purpose of providing a service.

E-invoice is an Estonian e-invoice, respectively or Peppol A file in XML format created for the standard.

Application is an internet-based software solution required to provide the service, which is accessed via the internet address app.bilnex.io.

Customer is jlegal entity whose representative agreed to these terms and conditions FBilnex provided by inbite kboard when registering as a user; this also includes those legal entities that use service free.

User is the person who has been granted access to use the application.

Main user are the client's representative or representatives authorized by the Client to access the Application and who have the right to manage the access rights of all users in the Application.

3. Access to the application

3.1. Creates and terminates access for application users PeakFounder. Main Users are assigned the role of administrator in the Application, which allows them to add additional Users to the Application.

3.2. To enable access to the application for Main Users and Users, it is necessary to enter the e-mail addresses of authorized persons in the application, which are considered user IDs. KThe founder must use the Google account authentication associated with the user ID to enter the environment or create one. A personal password. The password must be protected by its creator, and Finbite is not responsible for any damages resulting from its unauthorized use.

3.4. In order to resolve inquiries submitted to Finbite by the Client and issues arising from its use, Finbite employees have the right to add access to the Application to themselves in order to resolve the inquiry in order to ensure that the issue is resolved as quickly as possible.

4. Sending sales invoices

4.1 The Bilnex environment can be used to send e-invoice files that comply with the Estonian e-invoice standard or the Peppol standard. If the recipient of the invoice does not accept e-invoices, sales invoices in PDF format can also be sent through the Bilnex environment.

4.2 Users can download submitted e-invoices and PDF invoices from the Bilnex environment in PDF format.

4.3 The Customer is responsible for the correctness and legal compliance of the sales invoice submitted by the Customer.

4.4 Finbite undertakes to forward Invoices prepared in the Bilnex environment that meet the requirements to other e-invoice operators within 1 (one) business day and PDF invoices to the recipient by e-mail within 1 (one) business day.

5. Document retention

5.1 Finbite undertakes to ensure the retention of sales invoices in the Bilnex Application for 12 months from the date of preparation/receipt of the document.

5.2 Finbite has no obligation to retain documents after the Client's account in the Bilnex environment is closed and if the Client has destroyed/deleted the documents themselves.

5.3 Before terminating the contract, the Client can export their documents from the Bilnex Application using the functionalities available in the Application.

6. Obligations of the parties

6.1 The invoice preparer is responsible for the content and legality of the customer's sales invoices.

6.2 The Client undertakes to notify Finbite 1 (one) month in advance of any planned changes or work arrangements that may prevent, disrupt or otherwise affect the provision of the service in accordance with the requirements of the Agreement.

6.3 In the event of termination of the provision of the Bilnex Service, Finbite undertakes to inform the Client immediately and to ensure the transfer of electronically stored documents within 2 months.

6.4 Finbite undertakes to ensure the security of the Bilnex application, including secure access to the application and the protection of data contained in the application from third parties.

6.5 Finbite ensures that only the relevant persons have access to the Client's data in the Bilnex environment using Google authentication or a password set by the User, and the use of the password is also the basis for identifying the relevant persons, unless the User has forwarded the authentication tools and passwords to third parties.

6.6 Finbite is not liable for any indirect losses incurred by the client related to the use of the Bilnex Service.

6.7 Finbite is liable for direct material damage related to the use of the Bilnex Service up to a maximum amount corresponding to the amount paid to Finbite for the Service during the 6 months preceding the month in which the damage occurred. If the Client has used the Service for less than 6 months, Finbite is liable up to a maximum amount corresponding to the amount paid to Finbite for the Service until the damage occurred.

6.8 In the event of the termination of Bilnex's operations or the bankruptcy of Finbite, Finbite undertakes to immediately inform the Client and ensure the transfer of electronically stored documents within 3 (three) months.

6.9 The Client is prohibited from abusing the Bilnex Application, including for illegal activities or in a manner that may cause damage to the Service Provider or a third party.

6.10 By providing the Bilnex Service, Finbite does not assume the Client's obligations arising from the Money Laundering and Terrorist Financing Prevention Act. The Client is responsible for fulfilling the relevant obligations.

7. Confidentiality and personal data

7.1 The Client undertakes not to disclose the passwords of the means used to log in to the Bilnex Application to third parties. Application users have the right to authorize their employees to use the Application, remaining responsible for compliance with the confidentiality requirement towards the Service Provider.

7.2 Finbite shall process personal data entered by the Client’s users into the Bilnex Application in accordance with the provisions of Regulation (EU) 2016/679 of the European Parliament and of the Council and other applicable personal data protection regulations. Finbite shall ensure that it has implemented appropriate technical and organisational measures and shall continue to implement them during the provision of the service in such a way that its processing of personal data complies with the requirements of applicable legislation on the protection of personal data, including Regulation (EU) 2016/679 of the European Parliament and of the Council (“GDPR”). Finbite shall ensure adequate security of personal data, which is consistent with the personal data being processed and the risks inherent in the nature of the processing.

7.3 In relation to the personal data contained in the Client's data transmitted to Finbite within the framework of the use of the Bilnex Service, the Client shall be deemed to be the controller of the personal data and Finbite shall be deemed to be the processor. The Client shall ensure that the Client, Finbite and third parties used for the processing of personal data have the right to process the personal data in the manner, form, extent and in accordance with the process agreed upon by the Parties. The Client shall ensure to Finbite that all obligations of the controller arising from the GDPR towards the data subject have been fulfilled, including that the data subject has been informed of the circumstances of the processing of personal data and related rights, and that the Client has all necessary permits and consents for the processing of data (including personal data) contained in the Client's materials and for their transfer to Finbite for processing on the basis of the provision of the service.

7.4 Finbite processes the personal data contained in the Client's data in accordance with the Terms of Use and the Client's instructions.

7.5 In order to provide the Bilnex Service, Finbite processes the data subject's data to the minimum extent necessary. The Client is obliged not to provide Finbite with personal data of the data subject that is not necessary for the provision of the Service. Finbite does not independently verify the composition or correctness of the personal data provided by the Client or processed by Finbite for the provision of the Service.

7.6 Finbite is obliged to make available to the Client all information and provide all necessary assistance to prove compliance with the obligations set out in this clause (7).

7.7 The Client shall be liable to Finbite without any limitations for any damage and expenses caused to Finbite by the breach of the obligations set out in this clause. The liability of the Parties to the data subject for the breach of the requirements of the legislation regulating the protection of personal data is unlimited to the extent covered by the protective purpose of the respective norm. In their mutual relationship, Finbite and the Client agree that the Party whose task was to fulfil the breached obligation to the data subject is liable for the costs and damages incurred in connection with the enforcement of redress and damage claims submitted by the data subject or the enforcement of the precepts and sanctions imposed by the supervisory authorities. Finbite's liability is limited in amount to the provisions of the Terms of Use, except in the case of intentional or grossly negligent breach.

7.8 After the termination of the Agreement, Finbite will delete or return to the Client all personal data obtained in the course of providing the service. The termination of the Agreement shall not affect the processing of personal data that Finbite processes on another lawful basis, including as the controller or as the processor under a lawful agreement concluded with another controller.

7.9 Finbite may use partner companies (including subcontractors) located in the European Union and third countries to provide the Blinex Service, ensuring that the partner companies and subcontractors fulfill their obligations under the Terms of Use and the GDPR and being liable for the subcontractors' failure to fulfill their obligations. In the case of partner companies located in third countries, Finbite will do its utmost to ensure lawful processing of personal data that complies with applicable data protection regulations.

7.10 The transfer of data to third parties does not limit the validity of Finbite's data protection and confidentiality obligations or liability to the Client or the data subject. Upon the Client's request, Finbite will provide the Client with a list of persons involved in the processing of personal data.

7.11 In the event that a personal data breach has occurred during the processing of personal data on behalf of the Client, Finbite, taking into account the nature of the processing and the available information, shall take all necessary steps to assist the Client in fulfilling its obligations in order to comply with the applicable data protection regulations. In addition, Finbite shall notify the Client of the breach without delay, but no later than 24 hours after becoming aware of the breach.

The notification shall provide at least the following information:

a description of the nature of the personal data breach, specifying, where possible, the categories and approximate number of data subjects concerned and the types and approximate number of personal data records concerned;
the name and contact details of the Finbite contact person who can provide additional information;
a description of the possible consequences of a personal data breach;
a description of the measures taken or planned to be taken by Finbite to address the personal data breach, including, where necessary, mitigating the potential adverse effects of the breach.
The Client undertakes to comply with the obligation to inform data subjects set out in Articles 13 and 14 of the GDPR.

8. Cooperation partners

8.1 Finbite has the right to use various cooperation partners for data processing, invoice transmission and system development in the Bilnex Application and, at its discretion, to enter into cooperation agreements with partners with whom the service would be provided more efficiently for the Client.

8.2 Finbite transmits e-invoices prepared in the Blinex application between e-invoice operators operating in Estonia and through the PEPPOL network.

8.3 Finbite receives information about e-invoice recipients displayed in the Bilnex Application from the Estonian Commercial Register.

9. Copyright

The Client has the right to use the Bilnex Application and additional developments without paying any additional fee.
for the intended purpose only to the extent and in the manner agreed.

9.1 Finbite grants the Customer a personal, non-sublicensable, non-exclusive license for the purposeful use of the Application and additional developments (including developments made at the Customer's request) worldwide for the period of validity of the Agreement, under the conditions and to the extent set forth in this section of these Terms of Use (hereinafter: License). The license fee is included in the cost.

9.2 All personal and proprietary rights in the Bilnex Application and additional developments belong and remain with Finbite. The License only grants the Client permission to use the Application and additional developments in the usual manner. All proprietary copyrights arising from any changes and additions made to the Application and additional developments belong to Finbite.

9.3 The Client confirms that he is aware that Finbite is engaged in the development of the Application, therefore the Application development ideas received in the course of fulfilling the obligations are free and do not fall under the category of confidential information.

9.4 The Client is not permitted to:

Distribute the Bilnex Application and its additional developments in any way (including by gift, sale, rental, lending, etc.) or direct it to the public (including by transmitting it to third parties or making it available);
Reproduce, translate, adapt or otherwise modify the Application and its further developments, or reproduce the results obtained;
Reverse engineer (decompile) the application and its additional developments,
reverse assemble or in any other way attempt to restore it
source text;
modify or crack the license key of the Application and its additional developments and other encryption-protected algorithms included in the Application and its additional developments;
grant sub-licenses or grant any rights to the Application and its further developments
Transfer the right to use the Application and its additional developments arising from the Agreement to a third party(ies).

9.5 Finbite recommends using the Bilnex Application with general-purpose internet browsers using their latest version (Google Chrome, Internet Explorer, Mozilla Firefox, Safari).

9.6 Finbite prohibits the use of special-purpose programs to access and use the Application. A special-purpose program in this agreement is a program that is not intended for general-purpose Internet browsing or whose operation is not directly controlled by a person. Special-purpose programs include, among others, scripts, robots and automated tools.
or programs that are not designed for internet browsing.

10. Technical support and reporting

10.1 Finbite undertakes to ensure that Users have access to the Bilnex application during business hours (Monday to Friday from 8:00 to 18:00, excluding public holidays). Finbite guarantees that the maximum consecutive failure of access to the Bilnex application during business hours does not exceed 4 hours.

10.2 The support service and technical support email address are available on the page www.bilnex.io.

10.3 A notice sent by Finbite to the Client by e-mail shall be deemed to have been received by the Client and Finbite's obligation to inform shall be deemed to have been fulfilled if the notice has been forwarded to the e-mail address last notified to Finbite by the Client or his/her contact person and one day has passed since Finbite sent the notice. If the Client does not notify Finbite of any changes to the information, Finbite shall assume the accuracy of the information notified to it by the Client.

11. Payment and payment terms

11.1 The use of the Bilnex.io environment is free for all users until December 31, 2025 (inclusive). The free period automatically applies to all registered Clients and does not require the fulfillment of any additional terms and conditions.

11.2 Starting from January 1, 2026, some Service packages will become chargeable and fees will apply for its use in accordance with the price list and payment terms established by Finbite OÜ. The use of the Service will automatically continue after the end of the free period, unless the Client decides to terminate the use of the Service before the start of the paid period.

11.3 Finbite will notify Clients of the establishment of a new price list and payment terms at least 30 calendar days before the start of the paid period – i.e. no later than December 2, 2025. Notification will be made by email, via the app.Bilnex.io platform and on the Bilnex.io website.

11.4 The Customer has the right to cancel the Service before the start of the paid period if they do not wish to accept the new terms. Cancellation will not entail any additional fees or other obligations.

11.5 Finbite has the right to unilaterally change the terms of use and price list of the Bilnex Application by notifying the Client at least 30 days before the change comes into force. Finbite will notify the Client of the relevant content via the e-mail address agreed in the Agreement or via the app.Bilnex.io platform.

12. Validity, amendment, termination and cancellation of the contract

12.1 Finbite has the right to unilaterally change and supplement the terms of use and price list of the Bilnex Application by notifying the Clients thereof via the bilnex.io website or e-mail at least 30 days in advance, unless the terms of use or legislation provide for a longer notice period.

12.2 If the Client does not agree with the changes, he has the right to cancel the contract in whole or one or all service contracts before the changes come into force, by notifying Finbite in writing or in another agreed manner and fulfilling all obligations arising from the service contracts in advance. If the Client does not notify before the changes come into force that he wishes to cancel the contract in whole or one or more service contracts, he is deemed to have agreed to the changes.

12.3 In exceptional and justified cases, Finbite's price list may be changed with a shorter notice period than that set out in clause 12.1 or without notice. In such a case, the Client has the right to terminate the contract immediately in accordance with the procedure set out in clause 12.2.

12.4 The Agreement enters into force after the user creates an account in the Bilnex environment.

12.5 The terms of use of the service are concluded for an indefinite period.

12.6 Finbite has the right to terminate the contract in whole or in part – only the service contract – without prior notice if the Client has materially breached the contract or in other cases specified in clause 12.7.

12.7 The parties understand the following cases as a material breach of the Agreement and other cases in which Finbite has the right to terminate the Agreement under clause 12.6:

The Client has repeatedly (at least three times) failed to fulfill his/her financial obligations to Finbite on time, including if the Client is in arrears with late payment interest on at least three invoices;
The Customer violates the Terms of Use of Bilnex Environment in any other way, repeatedly or intentionally;
The client has not notified Finbite of circumstances that are of significant importance for the performance of the obligation arising from the contract;
The client or a legal entity related to them has caused significant damage or a real threat of such damage to Finbite or a legal entity belonging to the same group as Finbite;
The Client has not used Bilnex services during the year preceding the termination of the Terms of Use;
Liquidation or bankruptcy proceedings have been initiated against the client.

12.8 Either party has the right to terminate the contract in whole or in part – by giving 3 (three) months’ written notice to the other party. Either party has the right to terminate the contract in whole or in part – only the service contract – without notice if circumstances considered to be force majeure prevent the performance of the contract or the service contract and such circumstances have lasted for one month or more. The notice of termination of the contract shall be made in writing.

12.9 Termination of the Agreement by either party shall not release the other party from the performance of its obligations that arose prior to the termination of the Agreement or Service Agreement.

13. Resolution of complaints and disagreements

13.1 The Client shall provide Bilnex technical support with a description of the problem as accurately and clearly as possible, as well as proposals for solving the problem. A representative of Bilnex and Finbite shall respond to the Client no later than within 10 (ten) business days from the date of the Client's contact.

13.2 Any disagreement between Finbite and the Client shall be resolved through negotiations. If the parties fail to reach an agreement, either party shall have the right to submit a written claim to the other party, indicating the circumstances underlying the disagreement and referring to the legislation or document relied on.

13.3 The party receiving the claim must respond to the claim in writing within two weeks.

13.4 If the disagreement cannot be resolved, either party has the right to file a claim for resolution of the dispute with the court at the location of Finbite.