Terms of Use

1. About PayNox

PayNox is operated by Paynox AB, a company registered in Sweden.

• Company name: Paynox AB
• Organisation number: 559558-0654
• Postal address: Trädgårdsgatan 2 a Lgh 1102, 598 74 Mariannelund, Sweden
• Website: paynox.net
• App: https://app.paynox.net
• Email: [email protected]

2. Acceptance of these Terms

By accessing or using PayNox, you agree to these Terms of Use. If you use PayNox on behalf of a company or organisation, you confirm that you have authority to bind that company or organisation to these Terms.

If you do not agree to these Terms, you must not use PayNox.

3. What PayNox provides

PayNox is a business platform for invoicing, payment tracking, accounts receivable visibility, invoice reminders, customer invoice access, receivables reports, and customer payment behaviour insight.

PayNox may include features for:

• Creating and managing invoices
• Generating invoice PDFs
• Sending invoice emails and reminder emails
• Managing business customers
• Recording full and partial payments
• Tracking invoice activity and customer invoice views
• Managing overdue invoices and receivables dashboards
• Generating Accounts Receivable PDF reports
• Creating operational customer receivables risk profiles based on PayNox activity
• Providing public invoice pages for invoice recipients

4. Business use only

PayNox is intended for business and professional use. It is not intended for private consumer household use.

5. Accounts and access

You are responsible for keeping your login details secure and for all activity that occurs under your account.

You must ensure that all information you provide to PayNox is accurate, current, and complete.

We may suspend or restrict access to PayNox if we reasonably believe that an account is being misused, used unlawfully, or used in a way that may harm PayNox, other users, or third parties.

6. Your responsibilities

You are responsible for how you use PayNox and for the content, customer information, invoice information, payment records, notes, and other data you enter into PayNox.

You agree not to:

• Use PayNox for unlawful, fraudulent, misleading, or harmful purposes
• Upload or process data that you do not have the right to use
• Send unlawful, misleading, abusive, or unauthorised invoice or reminder communications
• Attempt to gain unauthorised access to PayNox or related systems
• Interfere with the normal operation of PayNox
• Reverse engineer, copy, resell, or misuse the service except as permitted by law or written agreement
• Use PayNox to make official credit decisions, lending approvals, or automated financing decisions

7. Invoices, payment records, and reports

PayNox helps you create invoices, record payments, track balances, and generate reports. You are responsible for verifying the accuracy of all invoice content, payment details, customer information, tax information, VAT amounts, payment references, and report output before relying on them.

PayNox is not a full accounting system and does not replace professional accounting, bookkeeping, tax, or legal advice.

8. Customer receivables risk profiles

PayNox may provide operational customer receivables risk profiles based on invoice and payment activity inside PayNox. These profiles are intended to help businesses understand payment behaviour, follow-up priority, overdue exposure, and receivables patterns.

9. Public invoice pages

PayNox may allow invoices to be accessed through public invoice links. These links are designed to allow invoice recipients to view invoice details without creating an account.

You are responsible for deciding when and how to send public invoice links, and for ensuring that invoice recipient details and invoice content are correct before sending.

10. Email sending

PayNox may allow invoice emails and reminder emails to be sent through the platform. You are responsible for ensuring that any email you send through PayNox is lawful, accurate, and appropriate.

PayNox does not guarantee that every email will be delivered, opened, or acted upon by the recipient.

11. No financial, legal, tax, or accounting advice

PayNox provides software tools for business invoicing and receivables management. PayNox does not provide financial advice, legal advice, accounting advice, tax advice, credit advice, lending advice, or debt collection advice.

You should consult qualified professionals where advice is required.

12. Availability and changes

We aim to keep PayNox available and reliable, but we do not guarantee uninterrupted or error-free access.

We may update, modify, suspend, or discontinue parts of PayNox from time to time. We may also change features, layouts, reports, and workflows to improve the service or comply with operational, legal, or business needs.

13. Data and backups

We take reasonable steps to protect service data, but you remain responsible for keeping any records, invoices, reports, and business information that you are legally or operationally required to retain.

You should not rely on PayNox as your only record storage system for legally required accounting, tax, or business records.

14. Intellectual property

PayNox, including its software, design, branding, text, graphics, workflows, and related materials, is owned by Paynox AB or its licensors.

You may use PayNox only as permitted by these Terms or by a separate written agreement with Paynox AB.

15. User content and business data

You retain responsibility for the business data, customer data, invoice data, payment records, notes, and other content you enter into PayNox.

You grant Paynox AB the right to process such data as necessary to provide, operate, maintain, secure, and improve PayNox in accordance with these Terms and our Privacy Policy.

16. Limitation of liability

To the maximum extent permitted by applicable law, Paynox AB is not liable for indirect losses, loss of profit, loss of revenue, loss of goodwill, loss of business opportunity, loss of data, or consequential damages arising from or related to your use of PayNox.

Paynox AB is not responsible for decisions made based on invoice data, payment records, customer profiles, reports, or receivables information generated or displayed in PayNox.

17. Indemnity

You agree to compensate Paynox AB for losses, claims, damages, liabilities, and expenses arising from your unlawful use of PayNox, your breach of these Terms, or your misuse of customer, invoice, or payment data.

18. Termination or suspension

We may suspend or terminate access to PayNox if we reasonably believe that you have breached these Terms, used PayNox unlawfully, created risk for PayNox or others, or failed to comply with applicable laws.

You may stop using PayNox at any time.

19. Privacy

Our processing of personal data is described in our Privacy Policy. By using PayNox, you acknowledge that personal data may be processed as described in that policy.

Privacy Policy: /privacy-policy

20. Changes to these Terms

We may update these Terms from time to time. The latest version will be published on this page. Continued use of PayNox after changes means you accept the updated Terms.

21. Governing law and disputes

These Terms are governed by the laws of Sweden, unless mandatory law provides otherwise.

Any dispute arising from or relating to these Terms or PayNox shall be handled by the competent courts of Sweden, unless mandatory law requires another forum.

22. Contact

For questions about these Terms, contact:

• Paynox AB
• Org.nr: 559558-0654
• Trädgårdsgatan 2 a Lgh 1102, 598 74 Mariannelund, Sweden
• Email: [email protected]