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Terms of Service

Last updated: 1 October 2026

These Terms of Service ("Terms") govern your access to and use of BillGrid (the "Service"), operated by Noria Technologies LTD ("Noria", "we", "us", or "our"). By creating an account, accessing, or using the Service you agree to these Terms. If you are using the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms, and "you" refers to that organization. These Terms should be read together with our Privacy Policy and Refund and Cancellation Policy.

If you do not agree to these Terms, do not use the Service.

1. The Service

BillGrid is a multi-tenant platform for invoicing, payment collection, customer messaging, metered utility billing, and shared financial accounting. It lets you ("Merchant") create customers and invoices, share payment links, and collect payments from your customers through third-party payment providers, including mobile money and card or bank transfers. Each Merchant operates within an isolated workspace.

The Service also lets you send payments (payouts/disbursements) to third parties through these providers.

We provide the software that facilitates these activities. We are not a bank, payment processor, money transmitter, or party to the underlying payment. Funds move between your customers and your own provider/merchant accounts, and from your own provider/merchant account to recipients you choose, under the terms of those providers. The only exception is where you and Noria sign a separate collection agreement for Noria to collect on your behalf; that agreement then governs those funds.

The Service also includes AI-assisted features that help you draft content, review your data, and decide on actions, working from the information in your workspace. These features are assistive: they make suggestions for you to review, and you remain responsible for anything you send, post, or rely on.

2. Accounts and eligibility

  • You must provide accurate account information and keep it current.
  • You are responsible for all activity under your account and workspace, including activity by members you invite.
  • You must safeguard your sign-in credentials, one-time codes, and API keys. Tell us promptly of any suspected unauthorized access.
  • You must be capable of forming a binding contract and not barred from using the Service under applicable law.

3. Workspaces, members, and roles

A workspace is the tenant boundary. Owners and admins can manage company details, payment-provider credentials, members, API keys, and the subscription. Members may perform day-to-day billing operations. You are responsible for assigning roles appropriately and for the actions of everyone you grant access.

4. Subscriptions, plans, and billing

  • Free plan. Invoicing is free for a small number of customers, invoices and team members, as shown on our pricing page. The Free plan does not expire.
  • Paid subscriptions are priced on what you bill: the active water connections, waste collection customers and let units in your workspace, each product counted separately and billed together as one subscription. Your team allowance and AI credits grow with that count, and extra team members can be added. Current prices are shown in the app and on the pricing page.
  • Paid subscriptions are billed monthly in advance, on the count for that month. A signed order form with Noria may set an agreed price, which then applies instead.
  • Card subscriptions renew automatically each cycle until cancelled. Mobile-money subscriptions are paid manually each cycle, and we remind you before each invoice is due.
  • If a subscription invoice is still unpaid 3 days after its due date, your workspace runs on the Free plan's limits until it is paid. Your data is not deleted, and paid features return as soon as the invoice is settled.
  • BillGrid subscription fees are charged in advance and are strictly non-refundable, except where a refund is required by mandatory law. This applies to every plan, renewals, upgrades, downgrades, unused time, unused entitlements, unused quotas, and purchased seat add-ons. Cancelling stops a future renewal; it does not create a cash refund, account credit, or prorated refund for the current period. Prices exclude VAT, which is added where we are required to charge it.
  • Any one-off wallet, messaging, AI-credit, or setup-fee purchase is governed by the Refund and Cancellation Policy and the terms shown at checkout.
  • We may change prices or plan limits on at least 30 days' notice. Continued use after a change takes effect constitutes acceptance.
  • Going over the Free plan's limits may require a paid subscription before you can continue the affected action. A paid subscription never blocks a billing run because your count has grown; your price follows the count instead.

5. Collecting and sending payments

  • To collect or send payments you must configure your own payment-provider credentials, unless you have signed a collection agreement with Noria. Your use of each provider is governed by that provider's terms, and you are responsible for complying with them and for any fees they charge.
  • You are the merchant of record for transactions with your customers. You are responsible for the accuracy of invoices, the legitimacy of charges, refunds, chargebacks, disputes, and customer support relating to your sales.
  • Payouts. Where you use the Service to send payments to third parties, you are solely responsible for the accuracy of the recipient and amount you enter, for having the authority and a lawful basis to pay that recipient, and for maintaining sufficient funds with your provider. Payments may be irreversible once sent; we are not liable for payments misdirected due to details you provide.
  • You authorize us to transmit payment instructions and receive settlement notifications (webhooks) on your behalf solely to operate the Service.

6. Customer messaging

Where you use the Service to send SMS, WhatsApp, or email messages to your contacts, you are responsible for having each recipient's consent (or another lawful basis) to message them, for the content of your messages, and for complying with applicable communications and data-protection rules. Messages are delivered through third-party messaging providers under their own terms. Recipients who opt out are suppressed automatically; you must not attempt to circumvent opt-outs.

7. Acceptable use

You agree not to use the Service to:

  • break any law or regulation, including anti-money-laundering, sanctions, tax, consumer-protection, or data-protection rules;
  • collect payments for fraudulent, deceptive, or prohibited goods or services, or send payouts to sanctioned, fraudulent, or otherwise unlawful recipients;
  • infringe others' intellectual property or privacy;
  • upload malware, attempt to breach security or tenant isolation, probe or scrape the Service without authorization, or interfere with its operation;
  • send unlawful, abusive, or unsolicited communications via the Service.

We may suspend or terminate access for suspected violations.

8. Your content and data

You retain all rights to the data you and your customers put into the Service ("Customer Data"). You grant us a limited licence to host, process, and transmit Customer Data solely to provide and improve the Service and as described in our Privacy Policy. We process your customers' personal data as your processor under our Data Processing Agreement, which you accept for your workspace when you create it, and again in Settings if it changes. You are responsible for having the necessary rights and notices to collect and process your customers' information.

9. Intellectual property

The Service, including its software, design, and trademarks, is owned by Noria and its licensors and is protected by law. These Terms grant you a limited, non-exclusive, non-transferable right to use the Service; no other rights are granted.

10. Third-party services

The Service integrates third parties (including payment providers and email and cloud infrastructure providers). We are not responsible for third-party services, their availability, or their acts and omissions. Your use of them may be subject to separate terms.

11. Term, suspension, and termination

  • These Terms apply while you use the Service.
  • You may stop using the Service and delete your workspace at any time from Settings. Deletion permanently removes workspace data and cannot be undone; export first if needed.
  • We may suspend or terminate access if you breach these Terms, fail to pay, or create risk or legal exposure, with notice where practicable.
  • You can export your data from Settings before termination. After termination we may delete your data in line with our retention practices.

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that payment providers will process any transaction. AI-assisted features may produce inaccurate or incomplete output; you are responsible for reviewing their suggestions before relying on or acting on them.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NORIA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUES, DATA, OR GOODWILL. OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE FEES YOU PAID US IN THE THREE (3) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. Nothing limits liability that cannot be limited under applicable law.

14. Indemnification

You will indemnify and hold harmless Noria from claims, losses, and expenses (including reasonable legal fees) arising from your Customer Data, your use of the Service, your sales to your customers, or your breach of these Terms or applicable law.

15. Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a new "Last updated" date and, for material changes, provide reasonable notice. Your continued use after the changes take effect constitutes acceptance.

16. Governing law and disputes

These Terms are governed by the laws of the Republic of Kenya, without regard to conflict-of-laws rules. The courts of Kenya have exclusive jurisdiction over any dispute, subject to any mandatory consumer protections that apply to you.

17. Contact

Questions about these Terms: [email protected].