Terms of Service

1. Who uses Pemlo

A Business user creates or joins a Business workspace and uses Pemlo to manage clients, jobs, Estimates, Invoices and related records.

A Customer Portal recipient receives a private link from a Business and may view a document or take only the actions that Business enabled.

The Business—not Pemlo—is the merchant, document sender and party to the underlying commercial relationship with its clients and recipients.

2. Accounts, legal capacity and Business authority

You must have the legal capacity to accept these Terms. If you act for a Business or another person, you confirm that you are authorized to bind them and to use their information for the service.

Keep credentials, devices and private links secure; provide accurate information; promptly update material changes; and notify support@pemlo.app if you suspect unauthorized access. You are responsible for activity performed through your account unless applicable law provides otherwise.

3. The service and iOS license

Pemlo provides tools for Business records, immutable Estimate and Invoice revisions, PDFs, private Customer Portal links, manual settlement records and optional AI-assisted suggestions. Features may evolve, and availability can depend on third-party platforms.

The Apple Standard Licensed Application End User License Agreement governs the license to the iOS app unless a custom App Store license is presented. These Terms separately govern the Pemlo account and cloud service.

4. Your data, ownership and Business responsibilities

You keep ownership of information and content you submit. You grant Pemlo a limited, non-exclusive license to host, reproduce, transmit, format and otherwise handle that content only as needed to provide, secure and support the service, comply with law and enforce these Terms. This license ends when the content is deleted from active systems, subject to stated retention and shared-Business rules.

Each Business is responsible for:

• having a lawful basis to collect, enter, use and share client, job, recipient and document information and providing required notices or obtaining required consents;
• the accuracy, legality and completeness of document content, descriptions, prices, bank instructions and recipient details;
• tax calculation, tax registration, accounting treatment, document numbering and recordkeeping;
• deciding who receives a private link and which actions it permits; and
• the underlying estimate, invoice, job, payment and commercial agreement.

Pemlo is software, not a law firm, accountant, tax adviser or party to that agreement.

5. Customer Portal links and submitted actions

A private Portal link is a bearer capability: anyone who has the complete link may receive the access selected by the Business. Recipients must keep it private, use it only for the intended document and avoid attempting to expand or bypass its permissions.

A typed name, drawn signature, acknowledgement, acceptance, change request or decline is evidence that the action was submitted through the link. Pemlo does not independently verify the actor’s identity, authority or intent and does not guarantee that the action is a legally valid or enforceable signature in every place or circumstance. The Business must decide what verification or contracting process its transaction requires.

Questions or disputes about a document, amount, work, tax, payment or agreement belong with the Business that sent the link. Pemlo support handles only the technical service.

6. Payment records, Pemlo Pro and promotional document credits

A Cash or Bank settlement in Pemlo is a Business-entered assertion for its own records. Pemlo is not a bank or payment processor, does not receive or hold funds and does not independently confirm that money moved.

A new account currently receives 5 one-time, non-expiring promotional document-generation credits. They have no cash value, cannot be transferred, sold, refunded or redeemed, and are consumed according to the current document-generation contract when an eligible generation completes without active Pemlo Pro. Pemlo may stop offering credits to future accounts without removing credits already granted, except where required to address abuse or an error.

Pemlo Pro is an auto-renewable subscription purchased through Apple. The App Store purchase screen shows the current price, period and any applicable offer before confirmation. Turning off auto-renew stops the next renewal but does not end the already-paid period. Active or eligible grace-period Pro allows the subscribing Pemlo User to generate documents without using personal credits across Businesses where that User otherwise has permission; it does not grant Business access to another person.

Restore Purchases is an explicit action. After Apple verifies a current subscription, restoring associates that Apple subscription with the Pemlo User currently signed in and ends its prior Pemlo User association. Signing in, opening the app or receiving a background StoreKit update does not transfer it. A subscription obtained on another supported platform may also keep Pro active, so review each provider to avoid paying twice.

7. AI Assistant and connected AI hosts

The AI Assistant is optional and requires separate, current permission before personal data is sent to OpenAI. Its output is a proposal or suggestion that may be incomplete, inaccurate or unsuitable. You must review the source records, calculations and result before relying on it.

AI output is not legal, tax, accounting or financial advice. The AI Assistant cannot autonomously publish, send, share, pay, delete or void anything. Those actions remain behind the service’s ordinary authorization, validation and explicit human-confirmation boundaries.

You may separately connect Pemlo to ChatGPT or another compatible AI host. The host may request Pemlo records and propose actions only within the scopes and active Business that you authorize. A write is not complete until the host presents the review, you approve it and Pemlo authorizes execution. You remain responsible for the prompts you submit, the records you choose to expose, every review you approve and the resulting Business action.

A connected host handles its conversation and previously received Pemlo results under its own terms and privacy policy. Disconnecting the host or revoking the connection in Pemlo stops new access but does not remove data already retained by that host. Do not connect a host you do not trust or use a connected host to share information you are not authorized to disclose.

8. Acceptable use

Do not use Pemlo to:

• break the law, violate another person’s rights or submit content you are not authorized to use;
• mislead, defraud, impersonate, harass or distribute malware or harmful content;
• probe, bypass or interfere with authentication, tenant isolation, private links, rate limits or security controls;
• scrape, reverse engineer or overload the service except where applicable law does not allow that restriction; or
• use AI output without appropriate human review or to make prohibited automated decisions about people.

9. Third-party services

Pemlo relies on third-party platforms such as Apple, Google, Firebase, DigitalOcean and OpenAI. Their own terms and privacy practices may apply to their services. Pemlo is not responsible for a third-party service outside Pemlo’s reasonable control, but this does not limit responsibilities that cannot be excluded by law.

If you send feedback, you allow Pemlo to use it without restriction or payment, provided Pemlo does not publicly identify you without permission. Pemlo and its licensors own the service, software, brand and materials other than your content.

10. Suspension, termination and deletion

You may stop using Pemlo and may request account deletion in the app. Deletion immediately closes access and then follows the Privacy Policy, including shared-Business records and the limited deletion receipt. Deleting Pemlo does not cancel an Apple subscription or stop Apple billing; use Manage Subscription to cancel renewal. You may still delete Pemlo without cancelling first.

Pemlo may restrict or suspend access when reasonably needed to protect users or the service, investigate suspected abuse, comply with law, address non-payment, or enforce these Terms. Pemlo may terminate for a material or repeated breach. Where practical, Pemlo will give notice and a chance to resolve the issue, but urgent security or legal action may be immediate.

11. Changes and availability

Pemlo may update the service or these Terms. Material Terms changes will be posted with a new effective date and additional notice when appropriate. Continued use after the change becomes effective means acceptance, to the extent permitted by law.

The service is provided “as is” and “as available.” To the maximum extent permitted by law, Pemlo disclaims implied warranties, including merchantability, fitness for a particular purpose, non-infringement and any guarantee that the service, AI output, document result or third-party service will be uninterrupted, error-free or meet every legal or Business requirement. Pemlo does not promise a particular uptime or response time. Delays caused by events beyond reasonable control, including internet, platform, provider, utility, disaster, labor or government events, are not a breach while reasonable mitigation continues.

12. Limitation of liability

To the maximum extent permitted by law, Pemlo will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, data, goodwill or Business opportunity arising from the service.

To the maximum extent permitted by law, Pemlo’s total aggregate liability arising from the service or these Terms will not exceed the greater of (a) the amount you paid directly to Pemlo for the service during the 12 months before the event giving rise to the claim or (b) USD 100.

These exclusions and limits do not apply where applicable law does not allow them, including non-waivable consumer rights or liability that cannot lawfully be excluded or limited.

13. Indemnity

To the extent permitted by law, a Business user will defend and indemnify Pemlo from third-party claims and reasonable costs arising directly from that user’s unlawful use of Pemlo, infringement of another person’s rights, or content the user submitted. This does not apply to the extent a claim was caused by Pemlo’s own breach, negligence or misconduct.

14. General

If part of these Terms is unenforceable, the remaining parts continue to apply and the affected part will be limited only as much as necessary. A delay in enforcing a term is not a waiver. You may not transfer your account or these Terms without Pemlo’s consent; Pemlo may transfer them as part of a merger, reorganization or sale of the service, subject to applicable rights and notice requirements.

15. Contact

Questions about these Terms: support@pemlo.app.