Last updated: 01.11.2025
TERMS OF SERVICE
1. Introduction
The website www.invoicebrokers.com (“Invoicebrokers”) is a product of HYPHEN Digital BV, a private limited liability company incorporated under the laws of Belgium, with registered office at Koning Albert II laan 4, 1000 Brussels, Belgium, registered under VAT number BE1027.259.395 (the “Company”, “we”, “us”, “our”).
These Terms of Service (the “Terms”) govern your access to and use of Invoicebrokers, including our AI-powered comparison tools, websites, content, APIs, and related services (collectively, the “Service”). By accessing or using the Service, you agree to be legally bound by these Terms. If you do not agree, do not access or use the Service.
2. Definitions
“Account”: a registered user account for accessing certain features of the Service.
“User”, “you”, “your”: any person or entity using the Service.
“User Content”: information, data, files, inputs, form entries, and other content you submit to or through the Service.
“Third-Party Providers”: independent suppliers, partners, merchants, data sources, payment processors, advertisers, or other third parties whose content or services appear in or integrate with the Service.
“Outputs”: results, comparisons, recommendations, predictions, summaries, or other information generated by our models or algorithms.
3. The Service : No Professional Advice
3.1 Service description. The Service aggregates and analyzes third-party information and your inputs to generate automated AI-based comparisons and recommendations (e.g., energy, telecom, financial offerings).
3.2 Informational only. Outputs are provided for informational purposes and are not professional advice (financial, legal, medical, tax, or otherwise). You should independently verify any information that is important to your decisions.
3.3 No contract party. Unless we explicitly state otherwise in writing, we are not a party to any agreement between you and Third-Party Providers. Transactions you enter are solely between you and those third parties.
4. Eligibility and Accounts
4.1 You must be at least 18 (or the age of majority in your jurisdiction) and have legal capacity to enter a binding agreement.
4.2 You must provide accurate, complete registration information and keep it up to date. You are responsible for maintaining the confidentiality of your credentials and for all activities under your Account.
4.3 We may suspend or terminate your Account or access if we reasonably believe you breached these Terms, used the Service unlawfully, or created risk/harm to others.
5. Acceptable Use; Prohibited Conduct
You agree that you will not, and will not allow others to:
a) reverse engineer, decompile, or attempt to extract source code, models, or databases;
b) circumvent security or access controls, test vulnerabilities without authorization, or interfere with the Service’s operation;
c) use the Service to violate laws or rights (including IP, privacy, or data protection rights), or to generate or disseminate illegal content;
d) submit unlawful, defamatory, infringing, misleading, or otherwise harmful content;
e) use the Service to make solely automated decisions that produce legal or similarly significant effects on individuals without required disclosures and safeguards;
f) use any automated means (bots, scrapers) to access or collect data from the Service except as permitted by our robots.txt or a written agreement;
g) misrepresent your identity or affiliation or impersonate others.
6. User Content; License; Feedback
6.1 Ownership. You retain ownership of your User Content.
6.2 License. You grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, use, reproduce, process, adapt, modify, translate, create derivative works from, and display your User Content as reasonably necessary to provide, maintain, secure, and improve the Service, to comply with law, and as you direct (e.g., when sharing with a third party through the Service).
6.3 Rights & lawful basis. You represent that you have all rights and lawful basis (e.g., consent) to submit the User Content (including any personal data of third parties).
6.4 Feedback. If you give us ideas or suggestions (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them without restriction or payment.
7. AI Outputs; Accuracy; Safety
7.1 Probabilistic nature. Outputs are generated using machine learning and statistical methods and may be inaccurate, incomplete, biased, or outdated.
7.2 No guarantee. We do not warrant that Outputs are correct, complete, or suitable for a particular purpose. You are responsible for verifying Outputs before relying on them.
7.3 Sensitive uses. You must not use the Service for high-risk or regulated decisions (e.g., creditworthiness, employment, housing, insurance eligibility) unless you implement appropriate human oversight and comply with applicable law.
8. Third-Party Content, Offers, and Services
8.1 The Service may display third-party information (e.g., tariffs, prices, availability) and may link to or integrate with third-party sites or services. We do not control and are not responsible for third-party content, products, or services.
8.2 Any purchase or contract you enter into with a third party is solely between you and that third party. We do not endorse or guarantee third-party offerings.
9. Beta Features; Changes; Availability
9.1 We may offer beta, preview, experimental, or trial features. These may be incomplete or change at any time and are provided “as is” without commitments.
9.2 We may modify or discontinue parts of the Service, with reasonable notice where practicable.
9.3 The Service may be unavailable during maintenance or due to outages. We do not guarantee continuous availability.
10. Fees, Billing, and Taxes (if applicable)
10.1 Some features may require payment. Pricing, billing cycles, and taxes will be stated at purchase.
10.2 Unless required by law or expressly stated, fees are non-refundable.
10.3 If you are a consumer in the EEA purchasing a subscription remotely, you may have a 14-day right of withdrawal unless the service has begun with your prior express consent and acknowledgment that you lose the withdrawal right once fully performed.
10.4 You are responsible for all applicable taxes unless we are required to collect them.
11. Intellectual Property; Open-Source
11.1 We and our licensors own all rights in and to the Service, including software, models, designs, databases, text, graphics, logos, and trademarks.
11.2 Nothing in these Terms grants you rights to our trademarks or other IP except as expressly permitted.
11.3 Certain components may be provided under open-source licenses. To the extent of any conflict, the open-source license terms govern those components.
12. Confidentiality
If you receive information marked or reasonably understood to be confidential, you will use it only to access the Service and will not disclose it to third parties, except as required by law.
13. Privacy & Data Protection
13.1 We process personal data in accordance with our Privacy Policy and Cookie Policy (see below).
13.2 If you are a business customer and require a Data Processing Agreement (DPA), contact us. Where we act as a processor on your behalf, our DPA will apply.
14. Warranties and Disclaimers
To the maximum extent permitted by law, the Service (including all Outputs) is provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, whether express, implied, statutory, or otherwise (including warranties of accuracy, merchantability, fitness for a particular purpose, non-infringement, and availability).
15. Limitation of Liability
15.1 Nothing in these Terms excludes liability where such exclusion is prohibited by law, including liability for death or personal injury caused by negligence, or for fraud.
15.2 To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for loss of profits, revenues, goodwill, data, or business interruption, even if advised of the possibility.
15.3 Our aggregate liability arising out of or relating to the Service or these Terms shall not exceed the greater of €10,000 or the amount you paid to us for the Service in the 12 months preceding the event giving rise to liability.
15.4 Consumers’ mandatory statutory rights remain unaffected.
16. Indemnification
You will indemnify and hold harmless the Company and its officers, directors, employees, and agents from any claim, demand, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to your User Content, your use of the Service in violation of law or these Terms, or your violation of third-party rights.
17. Export Controls, Sanctions & Compliance
You agree to comply with all applicable export control and sanctions laws, including EU, UK, and U.S. (OFAC) regimes. You must not use the Service in or for the benefit of embargoed countries, prohibited end users, or prohibited end uses.
18. Anti-Corruption; Anti-Money Laundering
You represent that you will comply with applicable anti-bribery and anti-money laundering laws (including EU/UK Bribery Acts) and will not offer or accept bribes or improper payments.
19. Governing Law; Venue; Consumer Information
19.1 These Terms are governed by the laws of Belgium, with consideration of applicable EU law and mandatory consumer protections.
19.2 The courts of Brussels (Belgium) shall have exclusive jurisdiction, unless mandatory law grants you another forum.
19.3 If you are an EU consumer, you may also seek dispute resolution through the European Commission’s Online Dispute Resolution (ODR) platform.
20. Term; Termination; Survival
20.1 These Terms remain in effect while you use the Service.
20.2 We may suspend or terminate access for breach or legal reasons. You may stop using the Service at any time.
20.3 Sections that by their nature should survive (e.g., IP, confidentiality, limitations, indemnity, governing law) survive termination.
21. Assignment; Changes; Notices; Miscellaneous
21.1 You may not assign these Terms without our prior written consent; we may assign to an affiliate or in connection with a merger or asset transfer.
21.2 We may update these Terms from time to time. If changes are material, we will provide reasonable notice (e.g., by posting on the Service or emailing you). Continued use after the effective date constitutes acceptance.
21.3 Notices to us must be sent to privacy@hyphen-digital.net (or to our registered office by post).
21.4 Severability: if any provision is unenforceable, the remainder remains in effect. No waiver: failure to enforce is not a waiver. Entire agreement: these Terms form the entire agreement between you and us regarding the Service.
Contact:privacy@hyphen-digital.net