Terms of Service

1. About Podnik.io

Podnik.io is an online platform that helps freelancers and small companies manage business finances and administration, including tools and information related to invoicing, expenses, accounting, and related business operations.

2. Who Can Use the Service

You may use the Service only if you can legally enter into a binding agreement and comply with applicable laws. If you use the Service on behalf of a company or other legal entity, you confirm that you have authority to bind that entity to these Terms.

3. Your Account

You may need to create an account to access some parts of the Service. You are responsible for keeping your login credentials secure and for all activity under your account. You must provide accurate and up-to-date information when using the Service.

4. Acceptable Use

You agree not to:

• use the Service for unlawful, fraudulent, or misleading purposes;
• interfere with the operation or security of the Service;
• attempt to gain unauthorized access to the Service, accounts, or systems;
• copy, scrape, reverse engineer, or misuse the Service except where applicable law expressly allows it;
• upload or submit data that you do not have the right to use.

5. Your Data

You retain ownership of the information, documents, and other content you submit to Podnik.io. You grant Podnik.io a limited, non-exclusive right to host, process, store, and use your data only as necessary to operate, maintain, secure, improve, and develop the Service, comply with legal obligations, and provide the features you request. You are responsible for ensuring that your data is accurate and lawful. We recommend keeping your own backups of important data. Personal data is processed in accordance with our Privacy Policy.

6. Service Availability

We may update, modify, suspend, or discontinue parts of the Service where reasonably necessary, including for maintenance, security, legal compliance, or operational reasons. While we make reasonable efforts to keep the Service available, uninterrupted, secure, or error-free operation cannot be guaranteed.

7. No Professional Advice

Content, tools, calculators, guidance, AI-generated outputs, and other information provided through the Service are for general informational purposes only. Unless explicitly agreed otherwise in a separate written agreement, nothing on the website or platform constitutes legal, tax, accounting, financial, or other professional advice. You should obtain professional advice appropriate to your particular circumstances before relying on any information provided by the Service.

8. Fees and Paid Services

Some features or services may require payment. If paid services are offered, pricing, billing terms, and the scope of those services will be presented separately during purchase, signup, or in a separate agreement.

9. Intellectual Property

The Service, including its software, design, branding, content, and other materials, is owned by or licensed to Podnik.io and protected by applicable intellectual property laws. Except as expressly permitted by these Terms or applicable law, you may not use Podnik.io's intellectual property without prior written permission.

10. Disclaimer

To the maximum extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis. Podnik.io disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Podnik.io's total liability arising out of or relating to the Service will not exceed the total amount you paid for the relevant paid Service during the twelve (12) months preceding the event giving rise to the claim. If you have not paid for the Service, Podnik.io's liability will be limited to the minimum extent permitted by applicable law. Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

12. Suspension and Termination

We may suspend or terminate your access to the Service if:

• you materially breach these Terms;
• your use creates security, legal, or operational risks;
• we reasonably suspect fraud, abuse, or unauthorized use; or
• we are required to do so by law.

You may stop using the Service at any time.

13. Changes to These Terms

We may update these Terms from time to time. The updated version becomes effective when published on this page unless stated otherwise. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance of those changes.

14. Governing Law

These Terms are governed by the laws of the country in which the Podnik.io operating entity is established, unless mandatory consumer protection laws provide otherwise. Any disputes shall be resolved by the competent courts of that jurisdiction unless mandatory law provides otherwise.

15. Contact

If you have questions about these Terms, please contact us through our contact page.

16. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms applicable to specific features or paid services, constitute the entire agreement between you and Podnik.io regarding the use of the Service.