Last updated 31 August 2026
These Terms of Service (“Terms”) are a legal agreement between you (the account holder) and Invo (Pty) Ltd (“Invo”, “we”, “us”). By creating an account or using Invo you agree to be bound by these Terms. If you are accepting on behalf of a company, you represent that you have authority to bind that company.
Please also read our Privacy Policy, which forms part of these Terms.
Invo is a cloud-based business management platform for South African small businesses. It provides invoicing, quoting, client management, expense tracking, job cards, inventory, document storage, optional online invoice payment collection through a payment gateway you connect, and related tools (“the Service”).
We reserve the right to modify, add or remove features at any time. Where a change materially reduces the Service, we will give reasonable notice.
New accounts include a 14-day Pro trial with no credit card required. At the end of the trial, the account moves to a read-only state until a subscription is activated. No data is deleted at trial end.
Subscriptions are billed monthly or annually in South African Rand (ZAR) via Paystack. Current pricing is published at getinvo.co.za/pricing. Invo is not currently VAT-registered, so no VAT is added to subscription fees.
Subscriptions renew automatically at the end of each billing period. You can cancel at any time from the billing settings in your dashboard. Cancellation takes effect at the end of the current paid period. We do not issue pro-rata refunds.
If a payment fails, we will retry and notify you by email. Your account keeps paid-plan access for a 3-day grace period from the failed payment. If payment has not succeeded by the end of that window, the account moves to a read-only trial state until a payment succeeds or a new subscription is started. No data is deleted.
We will give at least 30 days' written notice before changing subscription prices. Continued use after the effective date constitutes acceptance of the new price.
You can optionally let your clients pay your invoices online. To do this, you connect your own account with a supported payment gateway, currently Paystack, PayFast, Peach Payments, Yoco Online or Ozow, from Settings → Payment gateways.
You need your own merchant account with whichever gateway you connect, and you agree to that gateway's own terms, verification checks and fees. Invo is not a party to the payment itself. We do not process the transaction, hold the funds, or act as a payment facilitator. Money your client pays goes straight into your own gateway account and never passes through Invo.
We store the credentials you enter for a connected gateway in encrypted form and use them only to create a checkout session and confirm payment on your behalf.
You are responsible for entering correct credentials, for any fees your gateway charges, and for your own compliance with that gateway's terms and any payment-services law that applies to you. We are not liable for a gateway's downtime, a payment that fails or is misdirected because of credentials you entered incorrectly, or a dispute between you and your client over a payment made through a connected gateway.
You can disconnect a gateway at any time from Settings → Payment gateways. This stops new payments through it and does not affect a payment already collected.
You may cancel your subscription at any time from Settings → Billing in your dashboard. There is no cancellation fee and no notice period. Cancellation takes effect at the end of your current paid billing period, and you keep full access until then.
Subscription fees are billed in advance and are non-refundable, including for partial billing periods, except where required by South African law (including the Consumer Protection Act 68 of 2008). We do not provide pro-rata or partial-month refunds when you cancel or downgrade mid-cycle.
If you believe you were billed in error (for example, a duplicate charge or a charge after cancellation), contact us at info@getinvo.co.za within 14 days of the charge. We review every billing dispute and will issue a refund via the original payment method (Paystack) where the error is confirmed.
The 14-day trial requires no payment method, so there is nothing to refund or cancel. The account simply moves to a read-only state at the end of the trial unless a paid plan is activated.
This refund policy covers your Invo subscription only. If a client pays one of your invoices through a payment gateway you've connected, that payment is between you and your client, processed by that gateway. To refund a client, use the refund tools in your connected gateway's own dashboard.
Where we suspend or terminate an account for violating Section 6 (Acceptable use), no refund is issued for the remaining billing period.
You agree not to use Invo to:
We reserve the right to suspend or terminate accounts that violate these rules without notice or refund.
You retain full ownership of all data you enter into Invo: your clients, invoices, expenses and documents remain yours.
You grant us a limited, non-exclusive licence to store, process and display your data solely for the purpose of providing the Service to you.
If you connect a payment gateway for online invoice payments, we encrypt and store the credentials you provide for as long as that connection stays active, and delete them once you disconnect it.
You can export your data at any time from the reports or settings sections. Deleting your account is immediate and permanent: invoices, clients, expenses and all other business data are erased at that point, with no recovery period afterwards.
South African tax law requires businesses to retain financial records (including invoices and VAT records) for a number of years. That obligation belongs to you as the business owner, not to Invo. Export the data you need before deleting your account. Once deleted, we cannot recover it for you or SARS.
You are solely responsible for ensuring the accuracy of the data you enter, including VAT numbers, banking details and client information.
The Invo platform, brand, logo, design system and all underlying software are the exclusive property of Invo (Pty) Ltd. These Terms do not grant you any rights to our intellectual property except the limited right to use the Service as described here.
If you submit feedback or suggestions, you grant us a perpetual, royalty-free licence to use that feedback without obligation to you.
We aim to keep Invo available 99.5% of the time, excluding scheduled maintenance. We will provide reasonable advance notice of planned downtime where possible.
The Service is provided “as is”. While we work hard to keep everything running, we do not guarantee uninterrupted or error-free operation.
Support is provided via email at info@getinvo.co.za during South African business hours (Monday–Friday, 08:00–17:00 SAST).
To the maximum extent permitted by South African law, Invo (Pty) Ltd shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, revenue, data or business opportunities, arising out of or related to your use of the Service.
Our total aggregate liability to you for any claim arising from these Terms or the Service shall not exceed the total fees you paid to us in the 3 months preceding the event giving rise to the claim.
Nothing in these Terms limits liability for gross negligence, wilful misconduct or any liability that cannot be excluded under South African law. Section 4 sets out the specific limits that apply to online invoice payments made through a connected gateway.
By you: You may cancel your subscription at any time from the billing settings. Your account remains active until the end of the current billing period.
By us: We may suspend or terminate your account immediately if you breach these Terms, fail to pay fees after the grace period, or if we are required to do so by law. We will notify you by email except where prohibited.
Upon termination, your right to access the Service ceases. Sections 7 (your data), 8 (IP), 10 (liability) and 12 (disputes) survive termination.
These Terms are governed by the laws of the Republic of South Africa. Any dispute arising from these Terms or the Service shall first be subject to good-faith negotiation. If unresolved after 30 days, disputes shall be submitted to the jurisdiction of the High Court of South Africa (Gauteng Division, Johannesburg).
The Consumer Protection Act 68 of 2008 and the Electronic Communications and Transactions Act 25 of 2002 apply where relevant.
We may update these Terms from time to time. We will notify you of material changes by email at least 14 days before they take effect. The “Last updated” date at the top of this page will always reflect the current version.
Continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you disagree with the changes, you may cancel your account before the effective date.
Questions about these Terms? Get in touch: