Legal

Terms of Service

Last updated: 28 May 2026 · Effective immediately upon acceptance

1. Definitions

In these Terms of Service, the following words and expressions have the meanings set out below:

• "Agreement" means these Terms of Service together with the Privacy Policy and Refund Policy, all of which are incorporated by reference.
• "Account" means the unique account created by you when you register to use the Service.
• "Billing Cycle" means the recurring monthly period for which a Subscription fee is charged, beginning on the date of your first payment and renewing on the same calendar date each month.
• "Effective Date" means the date on which you first accept these Terms by creating an Account or by using the Service.
• "FlashBill", "we", "us", or "our" means the sole trader operating the FlashBill platform, based in England and Wales, contactable at admin@flashbill.co.uk.
• "Free Plan" means the no-charge tier of the Service with limited functionality as described in clause 6.
• "Intellectual Property Rights" means all patents, registered and unregistered trade marks and service marks, registered designs, copyrights, database rights, confidential information, trade secrets, know-how, and all other intellectual property rights and analogous rights whether registered or unregistered.
• "Paid Plan" means any subscription plan for which a recurring fee is charged.
• "Prohibited Content" has the meaning given in clause 8.
• "Service" means the FlashBill cloud-based invoicing and financial administration platform made available at flashbill.co.uk and related subdomains, including all features, tools, APIs, and associated software.
• "Subscription Plan" means the pricing tier — Free or Paid — to which your Account is subscribed at any given time.
• "Third-Party Services" means software, services, and infrastructure provided by third parties that FlashBill integrates with to deliver the Service, as described in clause 13.
• "UK GDPR" means the General Data Protection Regulation as it forms part of UK law by virtue of the European Union (Withdrawal) Act 2018, as amended by the Data Protection, Privacy and Electronic Communications (Amendments etc) (EU Exit) Regulations 2019.
• "User Content" means all data, text, business information, invoice details, client records, and other content that you upload, input, generate, or otherwise submit through the Service.
• "You" or "your" means the individual or organisation that has accepted these Terms and holds an Account.

2. The Service

FlashBill is a cloud-based invoicing and financial administration platform designed for UK-based sole traders, self-employed contractors, and small businesses. The Service enables users to create professional invoices, manage client records, track outstanding and received payments, calculate Construction Industry Scheme (CIS) deductions, apply VAT rates, generate and send PDF invoices by email, schedule recurring invoices, and review financial summaries.

The Service is provided as software-as-a-service (SaaS) and is accessed via a standard web browser. No software installation is required. FlashBill may, from time to time, introduce new features, modify existing features, or withdraw features in accordance with clause 18 of these Terms.

FlashBill is not and does not hold itself out as an accountancy firm, a bookkeeping firm, a tax adviser, an insolvency practitioner, or an agent authorised by HM Revenue & Customs (HMRC). The Service is a tool to assist you in creating and managing invoices; it is not a substitute for professional financial or legal advice. Nothing in the Service constitutes advice on which you should rely without independent verification.

FlashBill is not currently designated as HMRC-authorised software for Making Tax Digital (MTD) purposes. Users who rely on the Service for VAT returns or other HMRC submissions remain solely responsible for ensuring compliance with MTD requirements.

3. Eligibility

To create an Account and use the Service, you must satisfy all of the following conditions at the time of registration and throughout your use of the Service:

• You are at least 18 years of age;
• You are based in the United Kingdom, or you use the Service exclusively for UK-based business activities (for example, invoicing UK clients or managing CIS or VAT obligations under UK law);
• You have full legal capacity and authority to enter into a binding contract under the laws of England and Wales;
• If you are registering on behalf of a company, partnership, or other legal entity, you have the authority to bind that entity to these Terms, and "you" shall be construed to include that entity;
• You have not previously had an Account suspended or terminated by FlashBill for breach of these Terms or applicable law;
• You are not prohibited from receiving services of this kind under the laws of any jurisdiction applicable to you.

FlashBill reserves the right to verify eligibility at any time and to decline or revoke access if eligibility requirements are not met. By creating an Account, you represent and warrant that all eligibility conditions are satisfied.

4. Account Registration & Security

To access the Service you must register for an Account by providing accurate, complete, and current information, including a valid email address. You agree to keep all Account information up to date. Providing false or misleading information is a breach of these Terms and may result in immediate termination of your Account.

You must maintain only one Account per individual. The creation of multiple Accounts to circumvent free plan limits, suspensions, or other restrictions is strictly prohibited and constitutes a material breach of these Terms.

You are solely responsible for maintaining the confidentiality of your Account credentials, including your password. You must not share your login details with any other person. If you are a business and multiple individuals require access to invoice records, each individual should use a separate Account, or you should contact us to discuss appropriate access arrangements.

You accept full responsibility for all activity that occurs under your Account, whether authorised by you or not. If you suspect that any unauthorised person has gained access to your Account, or that your credentials have been compromised, you must notify us immediately at admin@flashbill.co.uk and change your password without delay. FlashBill will not be liable for any loss arising from unauthorised use of your Account credentials where you have failed to notify us or take reasonable precautions to secure your credentials.

FlashBill may require you to reset your password at any time where we reasonably believe your Account may have been compromised or poses a security risk to the platform. FlashBill offers two-factor authentication (2FA) as an optional but strongly recommended additional security measure. You are responsible for setting up and maintaining any security features you choose to enable.

5. Subscription Plans, Billing & Renewal

FlashBill offers a Free Plan and one or more Paid Plans. The features and limitations applicable to each plan are described on the pricing page at flashbill.co.uk/pricing. By selecting and activating a Paid Plan, you enter into a binding subscription agreement with FlashBill governed by these Terms.

Billing currency and VAT: All prices are displayed and charged in pounds sterling (GBP). Unless expressly stated otherwise, prices are shown exclusive of Value Added Tax (VAT). Where FlashBill is required by law to charge VAT, the applicable UK VAT rate will be added to the subscription fee and shown separately on your invoice.

Automatic renewal: Paid Plans renew automatically at the end of each Billing Cycle without further action on your part. Your chosen payment method will be charged on the same calendar date each month. By subscribing to a Paid Plan, you authorise FlashBill (via Stripe) to charge your payment method on a recurring basis until your subscription is cancelled. It is your responsibility to cancel before the next renewal date if you do not wish to be charged for the next period.

Price changes: FlashBill may change the price of Paid Plans from time to time. We will provide at least 30 days' written notice of any price increase by email to your registered address. If you do not cancel your subscription before the price change takes effect, your continued use of the Service shall constitute acceptance of the new price. You will not be charged the new price without prior notice.

Failed payments: If payment of your subscription fee is declined or fails, Stripe will automatically retry the charge at intervals of approximately 3, 5, and 7 days after the initial failure. You will receive email notifications at each retry attempt. If all retry attempts fail, access to your Paid Plan features will be suspended. Your data will not be deleted and your Account will not be closed. To restore access, update your payment method in Account Settings and clear any outstanding balance. FlashBill will not impose additional penalty charges for failed payments.

Payment processing: All payments are processed securely by Stripe, Inc. FlashBill does not directly handle, store, or process your payment card details. Card data is managed entirely by Stripe in accordance with PCI DSS standards. By making a payment, you also agree to Stripe's terms of service available at stripe.com/gb/legal.

6. Free Plan

The Free Plan allows you to create and manage up to five (5) invoices per calendar month at no charge. This limit resets on the first day of each calendar month. If you reach your invoice limit before the end of the month, you will be prompted to upgrade to a Paid Plan to continue creating invoices; alternatively, you may wait until the limit resets at the start of the next calendar month.

The Free Plan is provided without any service level agreement (SLA) or uptime guarantee. We make no commitment to maintain the availability of the Service for Free Plan users during periods of high demand or planned maintenance. Paid Plan users receive priority access during any service degradation.

FlashBill reserves the right to modify the Free Plan invoice limit, functionality, or features with at least 30 days' written notice. If FlashBill decides to discontinue the Free Plan entirely, we will provide at least 60 days' written notice to allow Free Plan users to export their data or upgrade to a Paid Plan. Data protections described in our Privacy Policy apply equally to Free Plan users.

7. Licence Grant

Subject to your compliance with these Terms and payment of any applicable subscription fees, FlashBill grants you a limited, personal, non-exclusive, non-sublicensable, non-transferable, revocable licence to access and use the Service via a standard web browser solely for your own internal lawful business purposes during the term of your Agreement with us.

This licence does not permit you to: (a) access the Service on behalf of third parties as a service bureau or managed service provider without FlashBill's prior written consent; (b) build competing or derivative products using features, design patterns, or knowledge derived from the Service; (c) use automated tools, bots, or scripts to access or interact with the Service except where expressly permitted by FlashBill in writing; or (d) sublicense, transfer, or assign your right to use the Service to any other person or entity.

No rights are granted other than those expressly stated in this clause. All rights not explicitly granted are reserved by FlashBill.

8. Acceptable Use Policy

You agree to use the Service only for lawful purposes and in accordance with these Terms. The following activities are expressly prohibited and constitute serious breaches of this Agreement:

• Creating, submitting, or transmitting invoices that are fraudulent, fictitious, duplicated without legitimate basis, or that misrepresent the goods or services supplied;
• Using the Service to issue invoices for unlicensed, illegal, or unregulated services, including but not limited to activities that require regulatory authorisation that you do not hold;
• Deliberately misrepresenting CIS deduction rates, VAT registration status, UTR numbers, or any other tax or regulatory information on invoices;
• Impersonating FlashBill, any FlashBill employee, another user, or any other person or entity;
• Attempting to gain unauthorised access to any part of the Service, the underlying infrastructure, databases, or other users' Accounts;
• Circumventing, disabling, or otherwise interfering with security features of the Service, including authentication mechanisms and access controls;
• Scraping, crawling, or using automated tools to systematically extract data from the Service without FlashBill's prior written authorisation;
• Uploading, transmitting, or introducing malicious code, viruses, worms, trojan horses, ransomware, spyware, or any other harmful software or content;
• Engaging in or facilitating any denial-of-service attack, distributed denial-of-service attack, or any other attack that disrupts or degrades the performance of the Service;
• Reselling, sublicensing, or otherwise providing access to the Service to third parties without FlashBill's prior written consent;
• Reverse engineering, decompiling, disassembling, or otherwise attempting to derive the source code or underlying algorithms of the Service;
• Using the Service to facilitate, enable, or conceal money laundering, tax evasion, sanctions evasion, or any other financial crime or fraud;
• Harassing, threatening, or intimidating other users, FlashBill employees, contractors, or partners;
• Removing, obscuring, or altering any copyright notice, trade mark, or other proprietary notice in or on the Service;
• Using the Service in any way that violates applicable UK law, including the Computer Misuse Act 1990, the Fraud Act 2006, the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, or any applicable HMRC regulations.

FlashBill may investigate suspected violations of this Acceptable Use Policy and may suspend or terminate your Account immediately without notice if it reasonably believes a violation has occurred or is occurring. FlashBill may also refer suspected criminal activity to the relevant law enforcement authorities and cooperate fully with any resulting investigation. You acknowledge that FlashBill shall have no liability to you for any consequences arising from the lawful enforcement of this policy.

9. User Content & Data

As between you and FlashBill, you retain full ownership of all User Content you create, upload, or input into the Service. FlashBill makes no claim of ownership over your invoice data, client records, business information, or any other User Content.

By submitting User Content to the Service, you grant FlashBill a limited, non-exclusive, royalty-free, worldwide licence to host, store, reproduce, process, and transmit your User Content solely for the purpose of providing and improving the Service to you. This licence terminates when you delete the relevant content or close your Account (subject to retention obligations under applicable law).

You warrant and represent that: (a) you have all necessary rights, licences, and permissions to submit the User Content; (b) the User Content does not infringe any third party's Intellectual Property Rights, privacy rights, or other legal rights; (c) all information contained in the User Content is accurate to the best of your knowledge; and (d) the User Content complies with all applicable laws, including those governing the creation and retention of invoices and financial records.

FlashBill does not proactively review, monitor, or edit User Content. However, FlashBill reserves the right to remove or disable access to User Content that, in FlashBill's reasonable opinion, violates these Terms, infringes third-party rights, or is required to be removed by law or court order. FlashBill will notify you of any such action where lawfully permitted to do so.

10. Your Responsibilities as Data Controller for Client Data

When you use the Service to process the personal data of your clients (including their names, addresses, email addresses, and financial information), you act as the data controller in respect of that client data. FlashBill acts as your data processor, processing that client data solely on your instructions and in accordance with our Privacy Policy.

As the data controller, you are responsible for: (a) ensuring you have a valid lawful basis under UK GDPR to collect and share your clients' personal data with FlashBill; (b) providing your clients with appropriate privacy notices as required by UK GDPR Articles 13 and 14; (c) responding to data subject access requests and other rights requests from your clients relating to data you have input into FlashBill; and (d) ensuring the accuracy and security of client data before submitting it to the Service.

FlashBill's processing of your clients' data on your behalf is governed by the data processing terms incorporated into our Privacy Policy, which constitutes a Data Processing Agreement for the purposes of UK GDPR Article 28. You accept these data processing terms on behalf of your clients by using the Service.

11. CIS, VAT & Tax Calculations Disclaimer

FlashBill provides tools to assist with common UK tax calculations, including Construction Industry Scheme (CIS) deduction calculations and Value Added Tax (VAT) rate application. These tools are provided as computational conveniences only and must not be treated as professional tax advice or HMRC guidance.

FlashBill makes no warranty, representation, or guarantee that the calculations produced by the Service are accurate, current, or compliant with HMRC requirements at any given time. Tax rates, thresholds, and regulatory requirements change regularly and FlashBill cannot guarantee that the Service is updated in real time to reflect all such changes.

You remain solely and exclusively responsible for: (a) verifying the accuracy of all CIS deductions, VAT calculations, and invoice totals before submitting invoices to your clients or making tax filings with HMRC; (b) ensuring your invoices comply with all applicable HMRC requirements, including the VAT invoice requirements set out in VAT Notice 700 and the CIS requirements under the Finance Act 2004; (c) obtaining advice from a qualified accountant or tax adviser if you are uncertain about any tax or regulatory matter relating to your invoicing activities; and (d) any penalties, surcharges, interest, or assessments imposed by HMRC or any other authority as a result of errors in invoices created using the Service.

FlashBill expressly excludes all liability for loss or damage arising from reliance on the tax calculations provided by the Service. Nothing in this clause shall limit your statutory rights.

12. Intellectual Property Rights

The Service, including all software, source code, object code, algorithms, databases, design elements, user interface layouts, trade marks, logos, service marks, trade dress, documentation, training materials, and all other content created by or for FlashBill in connection with the Service ("FlashBill IP"), is owned by or licensed to FlashBill and protected by the laws of England and Wales and applicable international intellectual property laws, including the Copyright, Designs and Patents Act 1988.

No FlashBill IP is transferred to you by these Terms or by your use of the Service. The licence granted in clause 7 is the only right you have in respect of the Service. You must not: (a) copy, reproduce, modify, adapt, translate, or create derivative works based on any part of the Service or FlashBill IP without FlashBill's prior written consent; (b) use any FlashBill trade mark, logo, or brand element in any manner that is likely to cause confusion or that implies endorsement by FlashBill without our prior written consent; (c) register, or attempt to register, any domain name, trade mark, or social media handle that incorporates "FlashBill" or any confusingly similar name.

You retain full Intellectual Property Rights in your User Content as set out in clause 9. Nothing in these Terms transfers ownership of your User Content to FlashBill.

13. Third-Party Services

The Service relies on the following third-party services, each of which is provided by an independent entity and governed by its own terms of service and privacy policy:

• Stripe, Inc. — payment processing. Stripe's terms apply to all payment transactions: stripe.com/gb/legal;
• Postmark (ActiveCampaign, LLC) — transactional email delivery (invoice emails, password resets, account notifications);
• Railway Corporation — cloud hosting, server infrastructure, and managed PostgreSQL database;
• Cloudflare, Inc. — DNS management, content delivery network, and DDoS protection;
• Sentry (Functional Software, Inc.) — error monitoring and diagnostic logging.

FlashBill is not responsible for the availability, performance, accuracy, or data handling practices of any Third-Party Service. Outages, errors, or data incidents caused by Third-Party Services do not constitute a breach of these Terms by FlashBill, and FlashBill's liability in such circumstances is excluded to the fullest extent permitted by law. We will make reasonable efforts to notify users of known Third-Party Service outages that materially affect the availability of FlashBill.

Third-Party Services may be modified, discontinued, or replaced from time to time. FlashBill will endeavour to maintain service continuity and will notify you of material changes to the Third-Party Services it relies upon where reasonably practicable.

14. Confidentiality

Each party acknowledges that in the course of this Agreement it may receive confidential information about the other party that is not generally known or available to the public ("Confidential Information"). Each party agrees to hold all such Confidential Information in strict confidence and not to disclose it to any third party without the prior written consent of the other party.

FlashBill will not disclose your User Content, invoice data, client data, or business information to any third party except: (a) as strictly necessary to provide the Service, including transmission to Third-Party Service providers bound by confidentiality and data processing obligations; (b) as required by applicable law, court order, or regulatory authority; (c) with your prior written consent; or (d) to enforce these Terms or protect the rights and safety of FlashBill, its users, or the public.

This confidentiality obligation survives the termination or expiry of this Agreement for a period of three (3) years.

15. Warranties & Disclaimer

FlashBill provides the Service on an "as is" and "as available" basis without any representation or warranty of any kind, whether express, implied, statutory, or otherwise.

To the fullest extent permitted by the law of England and Wales, FlashBill expressly disclaims all implied warranties and conditions, including but not limited to: implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, and non-infringement. In particular, FlashBill does not warrant that:

• The Service will be uninterrupted, error-free, or available at all times;
• Any errors or defects in the Service will be corrected within any particular timeframe;
• The Service will meet all of your specific business requirements;
• The results of CIS deduction or VAT calculations will be accurate or compliant with HMRC requirements at any given time;
• The Service will be compatible with all web browsers, operating systems, or devices;
• Any data stored in the Service will be free from loss, corruption, or unauthorised access.

Nothing in this clause shall affect any statutory rights that you may have as a consumer under UK law which cannot lawfully be excluded or limited, including rights under the Consumer Rights Act 2015.

16. Limitation of Liability

To the maximum extent permitted by the law of England and Wales, FlashBill shall not be liable to you for any of the following types of loss or damage, regardless of how they arise (whether in contract, tort including negligence, breach of statutory duty, or otherwise):

• Loss of profits, revenue, income, or anticipated savings;
• Loss of business, contracts, goodwill, or opportunity;
• Loss, corruption, or destruction of data;
• Indirect, special, incidental, or consequential loss or damage;
• HMRC penalties, interest charges, surcharges, or tax assessments arising from reliance on calculations produced by the Service;
• Loss arising from the unavailability or failure of any Third-Party Service;
• Loss arising from your failure to maintain the security of your Account credentials.

Aggregate liability cap: Subject to the paragraph below, FlashBill's total aggregate liability to you arising under or in connection with this Agreement, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the greater of: (a) the total subscription fees actually paid by you to FlashBill in the twelve (12) calendar months immediately preceding the date on which the claim arose; or (b) one hundred pounds sterling (£100).

Exceptions: Nothing in these Terms shall limit or exclude FlashBill's liability for: (a) death or personal injury caused by FlashBill's negligence; (b) fraud or fraudulent misrepresentation by FlashBill; (c) any other liability that cannot lawfully be limited or excluded under the laws of England and Wales, including liability under the Consumer Rights Act 2015 where applicable.

17. Indemnification

You agree to indemnify, defend, and hold harmless FlashBill and its officers, contractors, agents, successors, and assigns (each an "Indemnified Party") from and against all claims, actions, proceedings, damages, losses, costs, expenses (including reasonable legal fees), and liabilities brought against or incurred by any Indemnified Party arising out of or in connection with:

• Your use of the Service in breach of these Terms or applicable law;
• Your User Content, including any claim that your User Content infringes the Intellectual Property Rights, privacy rights, or other legal rights of a third party;
• Your failure to comply with your obligations as a data controller under UK GDPR in respect of your clients' personal data;
• Any fraudulent, deceptive, or unlawful invoicing activity carried out using the Service;
• Your breach of any warranty or representation made in these Terms.

FlashBill will: (a) notify you promptly in writing of any such claim; (b) give you reasonable control of the defence and settlement of the claim, provided that FlashBill may participate in the defence with counsel of its own choosing at its own expense; and (c) provide reasonable cooperation and assistance at your cost. You must not settle any claim that imposes liability, obligation, or restriction on any Indemnified Party without FlashBill's prior written consent.

18. Service Availability & Modifications

FlashBill targets a monthly uptime availability of 99.5% for Paid Plan users, measured on a rolling calendar month basis and excluding scheduled maintenance windows and outages caused by Third-Party Services, force majeure events, or factors outside FlashBill's reasonable control. This target does not constitute a binding service level agreement unless separately agreed in writing.

FlashBill may perform planned maintenance that temporarily affects service availability. Where practicable, FlashBill will provide at least 48 hours' advance notice of scheduled maintenance via email or a status notice on the platform. Emergency maintenance required to address security vulnerabilities or critical failures may be performed without prior notice.

FlashBill reserves the right to modify, update, or improve the Service at any time. For material changes that remove or significantly alter existing features, FlashBill will provide at least 30 days' written notice to affected users. Minor updates, bug fixes, security patches, and feature enhancements may be deployed without prior notice. If a feature that forms a material part of your reason for subscribing is permanently withdrawn, you may terminate your subscription before the change takes effect and receive a pro-rated refund of the unused portion of your prepaid subscription fee.

19. Suspension & Termination

Suspension by FlashBill: FlashBill may immediately suspend your Account, with or without prior notice, if FlashBill reasonably believes that: (a) you are in breach of the Acceptable Use Policy in clause 8; (b) there is fraudulent or suspicious activity on your Account; (c) you have initiated a chargeback, payment dispute, or bank reversal against a FlashBill charge; (d) continued access poses an imminent risk of harm to other users, the Service, or third parties; or (e) FlashBill is required to do so by applicable law or court order. Suspension does not relieve you of your obligation to pay outstanding subscription fees.

Termination by FlashBill: FlashBill may terminate your Account on seven (7) days' written notice if you have committed a material breach of these Terms that is not remedied within seven days of receiving written notice of the breach, or if you repeatedly commit minor breaches that, taken together, indicate an unwillingness or inability to comply with these Terms.

Termination by you: You may close your Account and cancel your subscription at any time by navigating to Account Settings → Subscription → Cancel Plan, or by emailing admin@flashbill.co.uk. Cancellation of a Paid Plan takes effect at the end of the current Billing Cycle. You will retain full access to paid features until that date. No refund will be provided for the remaining portion of the current Billing Cycle except as provided in the Refund Policy.

Consequences of termination: On termination of your Account for any reason: (a) your licence to access the Service is immediately revoked; (b) you must cease all use of the Service; (c) for a period of thirty (30) days following termination, you may request a full export of your invoice data and User Content, which FlashBill will provide in a standard machine-readable format (CSV or PDF); (d) after thirty days, FlashBill will permanently delete your User Content and Account data, except where retention is required by applicable law (including HMRC's seven-year record-keeping requirement under the Taxes Management Act 1970); (e) provisions of these Terms that by their nature should survive termination — including clauses 9, 11, 12, 14, 16, 17, 22, 23, and 24 — shall survive.

20. Force Majeure

Neither party shall be in breach of these Terms or otherwise liable to the other for any delay in performance or non-performance of its obligations to the extent that such delay or non-performance is caused by an event or circumstances beyond its reasonable control, including but not limited to: acts of God; natural disasters; floods, droughts, earthquakes, or other natural catastrophes; war, armed conflict, terrorism, or civil unrest; pandemics or government-declared public health emergencies; action or inaction by any government or regulatory authority; nationwide or regional failure of electricity, telecommunications, or internet infrastructure; cyber attacks or distributed denial-of-service attacks on third-party infrastructure; or industrial action.

The party affected by a force majeure event must: (a) notify the other party in writing as soon as reasonably practicable after the event begins; (b) use all reasonable endeavours to mitigate the effects of the event and to resume full performance as soon as possible. If the force majeure event continues for more than sixty (60) consecutive days, either party may terminate this Agreement immediately by giving written notice, without any liability to the other except for obligations that accrued before the force majeure event began.

21. Changes to These Terms

FlashBill reserves the right to update or modify these Terms at any time. Any material changes — including changes that affect your legal rights, subscription pricing, or core Service functionality — will be notified to you by email to your registered address at least fourteen (14) days before the change takes effect. The updated Terms will also be posted at flashbill.co.uk/terms with the "Last updated" date revised accordingly.

If you do not wish to accept material changes to these Terms, you may terminate your Account at any time before the new Terms take effect and receive a pro-rated refund of any prepaid subscription fees for the period after termination. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms.

Non-material changes — including typographical corrections, formatting updates, clarification of existing provisions, or additions that do not alter your rights — may be made without prior notice and will take effect immediately upon posting.

22. Severability, Waiver & Entire Agreement

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from the Terms. The validity and enforceability of the remaining provisions shall not be affected.

No failure or delay by FlashBill in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. A waiver of any breach of these Terms shall not be construed as a waiver of any subsequent breach.

These Terms, together with the Privacy Policy and the Refund Policy (each of which is incorporated by reference), constitute the entire agreement between you and FlashBill in relation to your use of the Service and supersede all prior representations, discussions, negotiations, understandings, and agreements between the parties relating to the same subject matter.

23. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

Subject to the paragraph below, both parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter or formation.

If you are a consumer habitually resident in Scotland or Northern Ireland, nothing in these Terms shall prevent you from bringing proceedings in your local courts or from invoking mandatory consumer protection provisions of the law applicable in your place of residence. For the avoidance of doubt, nothing in this clause shall limit the rights of consumers under the Consumer Rights Act 2015 or other mandatory UK consumer protection legislation.

24. Contact

If you have any questions, concerns, or complaints about these Terms or the Service, please contact us at:

Email: admin@flashbill.co.uk

For formal legal notices, data subject access requests, and written claims, please use email and include "Legal Notice" or "DSAR" in the subject line. We will acknowledge receipt of formal notices within two (2) business days and aim to respond in full within five (5) business days, or such longer period as may be required by applicable law.

FlashBill is based in England and Wales. Our registered contact address for legal correspondence is available upon request.