#1. Parties and definitions

1.1. These Terms of Service (“Terms”) govern the relationship between Carica Trading EOOD, UIC 207080428, email: support@carica.website (“we”, the “Company”), and any person using the Carica Finance web application at finance.carica.website (and related pages on carica.website) (“you”, the “User/Customer”, the “Platform” or the “Service”).

1.2. “Subscription” – a paid, recurring plan for access to features; “Plan” – the bundle of features/limits, price and conditions; “Customer Data” – all data you enter into the Platform (incl. counterparties and invoices).

#2. Acceptance of the Terms

2.1. You accept the Terms via a mandatory checkbox before registration/payment (“I agree to the Terms of Service and the Privacy Policy”). Without acceptance, access is not provided.

2.2. For paid plans, you expressly confirm that you want the Service to start immediately after payment.

#3. Accounts and minimum age

3.1. The Platform is intended for users over 18 and/or business customers. We do not perform age/identity verification.

3.2. You are responsible for keeping your login credentials confidential and for actions taken from your account.

#4. Service description

4.1. The Platform provides automated functionality for issuing invoices and related operations. Access activates almost immediately after successful payment.

4.2. We do not provide legal, accounting or tax advice. You are responsible for the lawfulness of the content of the documents you issue.

#5. Territorial scope

5.1. Payments and invoicing are currently focused on Bulgaria. Future rollout across the EU is planned.

5.2. The Service may be accessible from other countries; for EU consumers, mandatory local consumer rights apply where relevant.

#6. Subscriptions, payments, invoicing

6.1. Subscriptions renew automatically until you cancel (“detach” the subscription).

6.2. Payments are processed via Stripe. Prices are displayed and charged in BGN (lev) or EUR (the currency is visible and/or selectable before payment) and include VAT. VAT number: BG207080428.

6.3. Invoices are issued in the same currency as paid. Any currency conversion or international card fees charged by your bank/card issuer are at your expense.

6.4. When changing plans, proration applies according to Stripe’s mechanism and is shown before confirmation.

6.5. Promotions and promo codes apply within the announced conditions and time limits.

6.6. On failed payment, a grace period of up to 7 days applies. Continued failure may result in restricted/suspended access until payment is settled.

6.7. Invoices are issued based on the billing details you provide, for the accuracy of which you are responsible.

#7. Right of withdrawal and refunds (B2C)

7.1. If you are a consumer (a natural person acting outside their trade), you have the right to withdraw within 14 days from contract conclusion.

7.2. Because you expressly request the Service to start immediately, upon withdrawal you owe a proportional amount for the period up to withdrawal.

7.3. Outside the above, refunds are provided only as required by law or where our team verifies a failure to deliver the promised Service (e.g., a material unplanned outage).

7.4. For B2B customers, refunds are at our discretion unless required by law.

#8. Service levels and support

8.1. No specific uptime/service levels (SLA) are guaranteed. For material outages, we may, at our discretion, issue credits/discounts for future services.

8.2. Planned maintenance may cause temporary unavailability; we will seek to provide reasonable advance notice within the Platform.

#9. VIES

9.1. The EU VAT Information Exchange System (VIES) may be subject to frequent limitations/queuing; delays or temporary unavailability outside our control may occur.

#10. Acceptable use

Prohibited: (a) entering false/fictional data and documents; (b) circumventing technical limits and security measures; (c) excessive load/abuse of the API; (d) violating the law or third-party rights. We may restrict/terminate access in case of violations.

#11. Data & privacy (GDPR)

11.1. We process the minimum data necessary for account creation, payment and invoicing. You enter and manage all other data at your discretion.

11.2. For your account/billing data we act as Controller; for Customer Data we act as Processor.

11.3. Special categories of personal data under Art. 9 GDPR (e.g., health, biometric) and data under Art. 10 (criminal convictions/offences) are not intended to be processed in the Platform. You undertake not to input such data; if identified, we may delete/anonimise it and notify you.

11.4. We aim to store data in the EU/EEA. Transfers outside the EU/EEA may occur due to provider infrastructure; in such cases we apply appropriate safeguards (e.g., Standard Contractual Clauses).

11.5. We do not perform profiling/automated decision-making that produces legal or similarly significant effects.

11.6. Your GDPR rights: access, rectification, restriction, portability, erasure, and the right to complain to a supervisory authority. Contact: support@carica.website.

#12. Processing on your behalf (when we are a Processor)

Where we process Customer Data on your behalf: (a) we act only on your documented instructions (incl. via settings); (b) ensure staff confidentiality; (c) implement appropriate technical and organisational measures (access control, encryption in transit/at rest, logging, backups, segmentation, monitoring); (d) may use sub-processors for hosting/payments; (e) apply appropriate safeguards for any transfers outside the EU/EEA; (f) assist with data subject requests; (g) notify you without undue delay after a personal data incident; (h) upon termination, return or delete data unless retention is required by law.

#13. Export, retention and deletion

13.1. With an active subscription you can export data via available functions.

13.2. After deactivation, export/deletion is performed on request via support; we may request confirmation of the export destination to ensure secure transfer and GDPR compliance. This does not limit your access/portability rights.

13.3. We retain certain records for legally required periods (e.g., accounting documents).

#14. Term, termination and suspension

14.1. The contract is deemed concluded upon acceptance of the Terms and/or payment and remains in force for the duration of the active Subscription.

14.2. You may terminate at any time via the Platform or through the contact form.

14.3. In case of non-payment after a grace period of up to 7 days, we may restrict/suspend access until settled.

14.4. We may terminate immediately for material breach of the Terms.

#15. Limitation of liability

15.1. To the maximum extent permitted by law, we are not liable for indirect/consequential damages, loss of profit or loss due to interruption.

15.2. Our aggregate liability to you is capped at the amount of fees you paid during the 6 (six) months preceding the incident. For consumers, only to the extent allowed by mandatory law.

15.3. Nothing herein excludes liability that cannot be excluded under applicable law.

#16. Changes to the Terms and pricing

16.1. We may update the Terms/pricing. For material changes we will provide prior notice in the Platform and/or by email. Continued use after the effective date constitutes acceptance.

#17. Governing law, disputes and language

17.1. Bulgarian law governs. Disputes not resolved amicably shall be submitted to the competent court by subject-matter and venue at the registered seat of Carica Trading EOOD, unless mandatory rules provide otherwise.

17.2. In case of discrepancy between a translation and the Bulgarian version, the Bulgarian version prevails.

17.3. For EU consumers, mandatory local/EU consumer protection rules apply. Claims against a consumer shall be brought before the competent court at the consumer’s domicile; the consumer may sue in their own place of residence.

#18. Contact

support@carica.website | Carica Trading EOOD