Terms and Conditions

Last Updated: September 30, 2025

1. Acceptance of Terms

Welcome to Elba.finance ("Elba," "we," "our," or "us"). By accessing or using our invoice processing platform, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services.

These Terms constitute a legally binding agreement between you and Elba.finance. By creating an account or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Service

Elba provides an automated invoice processing platform that:

  • Connects to your email accounts (Gmail, Outlook) and/or WhatsApp to receive invoice documents
  • Processes PDF invoices using AI-powered document extraction technology
  • Extracts relevant financial data from your invoices
  • Generates structured reports (such as CSV files) for accounting purposes
  • Delivers processed reports to your connected email or cloud storage (Google Drive, OneDrive)

Elba operates on a zero-storage model, meaning we do not permanently store your invoice documents, extracted data, or generated reports beyond the time necessary for processing.

3. Eligibility

You must be at least 18 years of age to use Elba. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. Account Registration and Security

Account Creation

To use Elba, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Security

You agree to:

  • Provide accurate and truthful information during registration
  • Maintain the security of your password and account
  • Notify us immediately of any unauthorized access or security breach
  • Accept responsibility for all activities conducted through your account

We reserve the right to suspend or terminate accounts that violate these Terms or appear to be compromised.

5. Connected Services and Permissions

Service Integrations

Elba requires access to third-party services to function. When you connect your email, messaging, or cloud storage accounts:

  • Input Sources: You grant Elba permission to access and scan your email inbox (Gmail, Outlook) and/or receive messages from your WhatsApp account to identify and retrieve invoice documents.
  • Output Sources: You grant Elba permission to send generated reports to your email or cloud storage (Google Drive, OneDrive).
Your Responsibilities

You are responsible for:

  • Ensuring you have the right to grant Elba access to the accounts you connect
  • Maintaining valid credentials and connections to third-party services
  • Understanding and accepting the terms of service of connected third-party platforms
  • Any consequences resulting from documents you submit for processing
Revoking Access

You may revoke Elba's access to any connected service at any time through your account settings or the respective third-party platform's security settings.

6. Subscription Plans and Billing

Plans Available

Elba offers subscription-based access with two tiers:

  • Free Plan: Limited monthly credits for document processing
  • Paid Plan: Subscription fee plus additional credits for processing

Full pricing details are available at elba.finance/pricing.

Billing Terms
  • Subscriptions are billed monthly or annually as selected
  • Credit purchases are non-refundable once used for processing
  • Prices are subject to change with 30 days' notice to active subscribers
  • You authorize us to charge your designated payment method for all applicable fees
Credit System
  • Credits are consumed when documents are uploaded and processed
  • Credit usage is based on the number of pages processed
  • Unused credits may expire based on your plan terms (see Pricing documentation)
  • Free plan credits reset monthly and do not roll over
Cancellation and Refunds
  • You may cancel your subscription at any time through your account settings
  • Cancellation takes effect at the end of the current billing period
  • No refunds are provided for partial billing periods
  • Unused credits are forfeited upon cancellation

7. Acceptable Use

Permitted Uses

You may use Elba solely for legitimate business and personal invoice processing and accounting purposes.

Prohibited Uses

You may not:

  • Use Elba for any illegal or unauthorized purpose
  • Submit documents containing malicious code, viruses, or harmful content
  • Violate any laws, regulations, or third-party rights
  • Attempt to circumvent credit limits or payment requirements
  • Access or attempt to access other users' accounts or data
  • Reverse engineer, decompile, or attempt to extract source code from our platform
  • Use automated tools to abuse or overload our systems
  • Process documents you do not have the right to process
  • Submit documents containing highly sensitive information beyond typical business invoices (e.g., medical records, government ID documents)
  • Share your account credentials with others
  • Resell or redistribute our services without authorization

We reserve the right to investigate violations and take appropriate action, including account suspension or termination.

8. Data Processing and Privacy

Our Zero-Storage Commitment

Elba does not permanently store your invoices, extracted data, or generated reports. Documents are processed in real-time and immediately deleted from our systems after delivery to your output destinations.

Third-Party Processing

We use Docupipe.ai as our document processing partner. Your documents are transmitted to Docupipe for AI-powered extraction. By using Elba, you consent to this processing arrangement.

Privacy Policy

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Intellectual Property

Our Rights

All rights, title, and interest in Elba, including our software, technology, trademarks, and content, are and will remain the exclusive property of Elba.finance. These Terms do not grant you any rights to our intellectual property except as expressly stated.

Your Content

You retain all rights to the documents you submit to Elba. By using our services, you grant us a limited, non-exclusive license to process your documents solely for the purpose of providing our services.

Feedback

If you provide feedback, suggestions, or ideas about Elba, you grant us the right to use such feedback without any obligation to you.

10. Service Availability and Modifications

Service Availability

While we strive for high availability, we do not guarantee uninterrupted access to Elba. Our services may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

Modifications to Service

We reserve the right to:

  • Modify, suspend, or discontinue any aspect of Elba at any time
  • Change features, functionality, or credit pricing with reasonable notice
  • Update these Terms as necessary (with notice to users)

Continued use of Elba after modifications constitutes acceptance of the updated Terms or services.

11. Disclaimers and Limitations of Liability

Service Provided "As Is"

ELBA IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Accuracy of Processing

While we use advanced AI technology for document processing, we do not guarantee 100% accuracy of extracted data. You are responsible for reviewing and verifying all processed information before using it for accounting or business purposes.

Third-Party Services

We are not responsible for the availability, accuracy, or performance of third-party services (email providers, cloud storage, Docupipe.ai, payment processors, etc.) integrated with Elba.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ELBA AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES ARISING FROM YOUR USE OF OR INABILITY TO USE OUR SERVICES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF ELBA SHALL NOT EXCEED THE AMOUNT YOU PAID TO ELBA IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR $100, WHICHEVER IS GREATER.

12. Indemnification

You agree to indemnify, defend, and hold harmless Elba and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your use of Elba
  • Your violation of these Terms
  • Your violation of any rights of third parties
  • Documents you submit for processing

13. Term and Termination

Term

These Terms remain in effect while you use Elba and maintain an active account.

Termination by You

You may terminate your account at any time through your account settings or by contacting support@elba.finance.

Termination by Us

We may suspend or terminate your account immediately if you:

  • Violate these Terms
  • Engage in fraudulent activity
  • Abuse our services or systems
  • Fail to pay applicable fees
Effects of Termination

Upon termination:

  • Your access to Elba will cease
  • Connected service permissions will be revoked
  • Unused credits will be forfeited
  • Your account data will be deleted in accordance with our Privacy Policy
  • These Terms will remain in effect regarding any obligations incurred prior to termination

14. Dispute Resolution

Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles.

Informal Resolution

Before filing any formal legal action, you agree to contact us at legal@elba.finance to attempt to resolve any dispute informally.

Arbitration Agreement

Any dispute that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization] rather than in court, except that you may assert claims in small claims court if they qualify.

Class Action Waiver

You agree to resolve disputes with Elba on an individual basis and waive any right to participate in class actions or class arbitrations.

15. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and Pricing documentation, constitute the entire agreement between you and Elba regarding our services.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms without restriction.

Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control.

Contact Information

For questions about these Terms, contact us at:

Email: legal@elba.finance
Support: support@elba.finance
Website: https://elba.finance/contact

16. Amendments

We may update these Terms from time to time. We will notify you of material changes via email or through a prominent notice on our platform at least 30 days before the changes take effect. Your continued use of Elba after the effective date constitutes acceptance of the updated Terms.

By using Elba.finance, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.