Terms of Service & Fee Schedule

1. About Novafy Billing

Novafy Billing ("the Platform", "we", "us") is a multi-tenant ISP management and billing platform. By creating an account you ("the Tenant") accept these terms in full. If you do not agree, do not register.

2. Platform Service Fees

The Platform deducts a service fee from each revenue-generating transaction processed through the Platform on your behalf. The fee is deducted before crediting your Account Balance. Current rates:

The Platform reserves the right to adjust rates with 30 days' written notice via email or in-app notification. Your current rates are always visible in Settings → Billing → Fee Schedule.

3. Payment Gateway Fees

Mobile money payments from your customers are processed by third-party payment gateways. These gateways charge a processing fee that is passed through to the customer— it is added on top of the package price and is not deducted from your settlement. Current gateway processing fees by country:

Gateway fees are set by the payment provider and may change without notice. The current fee is always shown to your customer on the payment screen before they confirm.

4. Settlement & Payouts

• Your Account Balance is credited with the net amount (gross payment minus platform fee) immediately upon a confirmed transaction.
• Payout requests are processed manually by the platform administrator. Minimum payout amounts and processing times are communicated in-app.
• The Platform is not a licensed payment institution. We act as a billing intermediary. Settlements are in your account's local currency.
• Cash and bank-transfer sales carry no platform fee and no settlement — the money goes directly to you outside the Platform.

5. Subscription & Billing

• All plans include a 14-day free trial. No credit card is required during the trial.
• After the trial, a monthly subscription fee is charged to continue access.
• Failure to renew within the grace period suspends your account. Suspended accounts can log in and renew but cannot access operational features.
• Subscription fees are non-refundable once the billing period has started.

6. Acceptable Use

• You must be a licensed or lawfully operating internet service provider.
• You may not use the Platform to process payments for services you are not legally authorised to offer.
• You are responsible for the accuracy of your company details and the legality of your pricing.
• Abuse, excessive API usage, or attempts to circumvent billing controls will result in immediate suspension.

7. Data & Privacy

We store your company details, user accounts, transaction records, and router configurations to provide the service. Data is stored on servers within the European Union. We do not sell your data to third parties. Transaction data is retained for a minimum of 12 months for audit purposes.

8. Changes to These Terms

We may update these terms at any time. Material changes (including fee adjustments) will be communicated via email and in-app notification at least 30 days before taking effect. Continued use of the Platform after the effective date constitutes acceptance of the updated terms.

9. Limitation of Liability

The Platform is provided "as is". We are not liable for lost revenue resulting from downtime, payment gateway failures, or connectivity issues beyond our control. Our maximum liability in any 12-month period shall not exceed the subscription fees paid by you in that period.

10. Governing Law

These terms are governed by the laws applicable in the jurisdiction of Novafy Billing's registered operator. Disputes shall be resolved by binding arbitration before litigation.