Terms of Service

1. These terms and the Service

1.1 These terms apply to your use of Billio (billio.com.hk) and related services (the “Service”). By registering an account, using the Service or paying fees, you accept these terms.

1.2 The Traditional Chinese version of these terms prevails; the Simplified Chinese and English versions are for reference only, and in case of any difference the Traditional Chinese version applies.

1.3 If you use the Service on behalf of a company or organisation, you represent that you are authorised to accept these terms on its behalf.

2. Accounts

2.1 You must provide a valid email address and keep it up to date. Your email is our primary channel for reminders and notices; we are not responsible where a reminder is not received because an email address is invalid, wrong or unable to receive mail.

2.2 You must keep your account credentials secure and are responsible for activity carried out through your account.

2.3 You may invite members into a workspace; you must ensure that they comply with these terms.

3. What the Service does, and what it explicitly does not do

3.1 Billio is a renewal-deadline reminder tool. You enter renewal records, and the Service sends reminders by app push and email according to your settings.

3.2 The Service does not connect to your bank accounts and does not read card data. It stores only the renewal records and workspace settings you enter, together with your account details (email, name).

3.3 We do not provide the following, and you should not use the Service as a substitute for them:

(a) handling any government procedure, filing or licence renewal on your behalf;

(b) legal, company secretarial, accounting, tax or financial advice;

(c) verifying whether the due dates, amounts or statutory requirements you enter are correct or complete.

3.4 If you have any doubt about a renewal or a statutory obligation, consult a qualified professional.

4. The nature of reminders, and delivery limits

4.1 Reminders are an aid. Final responsibility for any renewal, payment or filing remains with you or your team.

4.2 Delivery of reminders is subject to factors outside our control, including email filtering and delay, your device notification settings, and network or third-party infrastructure outages.

4.3 We do not guarantee that every reminder will be delivered, or that it will be delivered on time. You are advised to keep an independent record of important deadlines and not to rely on the Service as your only source.

4.4 WhatsApp is a customer support channel, not a channel through which reminders are sent.

5. Fees, automatic renewal and cancellation

5.1 Fees for paid plans are collected through Stripe. Your card details are handled by Stripe; we do not obtain or store full card details.

5.2 All fees are priced and charged in US dollars (US$). If your card settles in Hong Kong dollars, the amount actually charged is converted at your card issuer’s rate and may attract foreign-currency or cross-border fees. Those rates and fees are set by your card issuer, are outside our control, and we do not compensate for them.

5.3 Paid plans renew automatically until you cancel.

5.4 You can cancel in the product at any time. Cancelling does not end the Service immediately: the period you have paid for continues until it expires, after which the workspace moves to the Free plan, your data is retained, and the Free plan’s limits apply (see chapter 6).

5.5 No refunds　Except as described in clause 8.4, fees already paid are not refundable, including where you cancel mid-period or do not make full use of the plan you bought. The effect of cancelling is the one described in clause 5.4: access continues until the period expires.

5.6 If you have any question about a charge, contact us first under clause 10.1. If you raise a payment dispute directly with your card issuer without contacting us, we may suspend the account concerned until the dispute has been resolved.

5.7 We may adjust fees. An adjustment takes effect only from your next billing cycle, with prior notice under clause 10.3.

6. Your data: ownership, export, deletion

6.1 The content you enter belongs to you. You grant us the licence necessary to provide the Service, send reminders, and take and restore backups — and nothing beyond that.

6.2 Export　Paid plans can export CSV in the product. The Free plan does not provide export.

6.3 Deleting a workspace　Workspaces on a paid plan cannot be deleted; once back on the Free plan, a workspace can be deleted.

If a workspace’s paid plan was granted manually by us and you cannot downgrade it yourself, contact us under clause 10.1.

6.4 Closing an account　The Service does not currently provide a way for users to delete their own account.

If you ask us to close your account, make the request under clause 10.1; once we have verified your identity, we will disable your account and delete your account details (email, name) together with the workspaces you own and all their records.

6.5 Retention　Even after a workspace has been deleted or an account closed, transaction and payment records may be retained to meet statutory record-keeping requirements; copies held in system backups are removed as backups rotate.

6.6 We take reasonable measures to protect your data, but no system can guarantee absolute security.

7. Acceptable use

7.1 You must not use the Service to store or distribute unlawful content, attempt unauthorised access to the system, reverse-engineer it, scrape it in bulk by automated means, or resell the Service without our written consent.

7.2 If we reasonably believe that you are in breach of this chapter, we may — depending on severity — issue a warning, suspend features, or suspend or terminate the account. For serious breaches involving unlawful content or intrusion into the system, we may terminate immediately without prior notice and will notify you as soon as practicable afterwards.

7.3 If you believe a decision was wrong, you may appeal under clause 10.1.

7.4 Where an account is terminated for breach of this chapter, fees already paid are not refunded.

8. Changes to and termination of the Service

8.1 We do not offer a formal service level agreement (SLA), and we do not guarantee that the Service will be uninterrupted or entirely free of errors. We will use reasonable efforts to keep it available.

8.2 We may suspend the Service for maintenance or updates, and will use reasonable efforts to give advance notice of planned maintenance.

8.3 We may modify, add or remove features. Where a change has a material adverse effect on your plan, we will give notice under clause 10.3.

8.4 We may terminate your account or stop providing the Service on 30 days’ prior notice. In that case we will refund, pro rata, the prepaid and unused part of your subscription period; beyond that, no further compensation is paid.

9. Limitation of liability

9.1 We will provide the Service with reasonable care and skill.

9.2 Other than clause 9.1 and terms implied by law that cannot be excluded, the Service is provided “as is”. We do not warrant that it will be uninterrupted or error-free, or that every reminder will be delivered or delivered on time.

9.3 Liability we do not exclude　These terms do not exclude or limit our liability for death or personal injury caused by our negligence; for fraud; or for any liability that cannot be excluded under Hong Kong law.

9.4 Losses we do not accept　To the fullest extent permitted by law, we are not liable for indirect or consequential loss; loss of profit, revenue, business or goodwill; or penalties, surcharges or interest, or the lapse of a licence, registration, policy or domain name, arising because you did not renew, pay or file before a deadline.

9.5 Cap　To the fullest extent permitted by law, and without affecting clause 9.3, our aggregate liability for all claims arising out of these terms and the Service in any rolling twelve-month period is limited to the lower of:

(a) one thousand Hong Kong dollars (HK$1,000); and

(b) the total fees you actually paid us for the Service in the twelve months before the event giving rise to the claim.

For the Free plan, (b) is zero, so the cap is zero.

9.6 You acknowledge that: the Service is an aid and final responsibility rests with you; the price of the Service is set on the basis of the allocation of risk in this chapter; and you can keep independent records to reduce the risk of relying on a single system.

10. Changes to these terms, notices and governing law

10.1 Contacting us　For all requests described in these terms (data export, closing an account, appeals, billing questions), contact us on WhatsApp (link in the site footer). Notices to you are sent to your registered email address.

10.2 Ordinary changes　We may update these terms. An updated version is published on this page with a version number and an effective date. For changes that do not have a material adverse effect, continuing to use the Service after the effective date counts as acceptance.

10.3 Material changes　Where a change has a material adverse effect on you (including raising fees, reducing features already included in your plan, or widening our limitation of liability), we will notify your registered email at least 30 days before the effective date, with a summary. If you do not accept it, you may terminate your paid plan before the effective date.

10.4 We will not apply changed terms retrospectively to events that occurred before the effective date.

10.5 Severability　If any provision is held invalid, it is reduced or severed to the minimum extent necessary, and the remaining provisions are unaffected.

10.6 Governing law　These terms are governed by the laws of the Hong Kong Special Administrative Region, and disputes are subject to the non-exclusive jurisdiction of the courts of the Hong Kong SAR.

10.7 Effective date of this version: 2026-08-17　Version: v1.0