Terms of service

1What the service does

Bilufoiy lets you create quotations and invoices, record payments against them, keep customer and product records, and share documents with your customers by link, email or WhatsApp. It calculates GST at the rate you choose for each item.

It is a record-keeping and document tool. It is not an accountant, a tax adviser, or a payment processor, and it does not file anything with MIRA on your behalf.

2Your account

You need an account to use Bilufoiy, and the details you give us must be accurate. You are responsible for what happens under your account, including anything done by people you invite to your business. Keep your password to yourself, and tell us promptly if you think someone else has access.

You must be old enough to enter a contract in the Maldives, and you must not use the service if we have previously closed your account for breaking these terms.

3Starting out

There is no free trial. A new business can be set up and read straight away, and it becomes editable — able to create and send documents — once its first monthly payment has been approved. Nothing is charged automatically at any point.

If you decide not to subscribe, nothing is lost: the account stays readable, your data can be exported at any time, and we do not delete it because you did not pay.

4Subscriptions and payment

Subscriptions are paid in advance by bank transfer in Maldivian rufiyaa. You choose a package, transfer the amount, and submit the transfer reference — we verify it and activate the plan. Because approval is manual, allow for a working day.

Prices and packages are shown on the pricing section of our site and inside your account. We may change them, but a change never affects a period you have already paid for. There is no automatic renewal and no stored card: when a period ends, you choose whether to pay for another.

Payments are not refundable once a period has started, except where the law requires it or where we have clearly failed to provide the service. If you think you have been charged wrongly, write to us and we will look at it properly.

5Your data is yours

Everything you put into Bilufoiy — your business details, customers, products, documents and payment records — remains yours. We store and process it to run the service for you, and for nothing else. We do not sell it, and we do not use it to advertise to you or anyone.

You can export your data at any time from Settings, including while your account is read-only. If you close your account, export first: we delete business data after closure, and once it is gone we cannot bring it back.

We use reasonable measures to keep your data safe, including encryption in transit and access controls. No service can promise perfect security, and we do not.

6Documents, GST and accuracy

You decide what goes on your documents: the items, the prices, the GST rate, and your own registration details. Bilufoiy does the arithmetic on what you enter. Whether the right rate has been applied, whether a supply is taxable, and whether a document meets MIRA's requirements are your responsibility and your accountant's, not ours.

Check a document before you send it. We are not liable for tax, penalties or disputes arising from what you chose to put on one.

7Acceptable use

You agree not to use Bilufoiy to:

• issue documents you know to be false, or to help someone else do so
• send unsolicited bulk messages to people who have not dealt with you
• break into, overload, probe or disrupt the service or anyone else's account
• copy, resell or rebrand the service as your own
• break any law that applies to you

8Availability

We aim to keep Bilufoiy running and we work to fix problems quickly, but we do not promise uninterrupted service. Maintenance, an upstream outage, or a fault can make it unavailable for a period. We do not offer credits for downtime.

9Ending it

You can stop using Bilufoiy at any time and ask us to close your account. We may suspend or close an account that breaks these terms, and where it is reasonable to do so we will tell you first and give you a chance to put it right. If we close your account for a reason other than a breach, we will refund any unused part of a paid period.

10Liability

Bilufoiy is provided as it is. To the extent the law allows, we are not liable for lost profits, lost business, or indirect losses. Where we are liable, our total liability is limited to what you paid us in the twelve months before the claim.

Nothing here limits liability that cannot be limited by law.

11Changes to these terms

We may update these terms as the service changes. If a change materially affects you, we will tell you inside the app or by email before it takes effect. Continuing to use Bilufoiyafter that means you accept the updated terms.

12Law and contact

These terms are governed by the laws of the Republic of Maldives, and the courts of the Maldives have jurisdiction over any dispute.

Questions about any of this: billing@bilufoiy.com.