Terms of Service

These Terms of Service (“Terms”) govern your use of Setorio. Setorio is a trade name of Mayelow, a sole proprietorship (eenmanszaak) registered with the Dutch Chamber of Commerce under KvK number 91736838, located at Charlotte van Pallandthof 132, 1112 ZL Diemen, the Netherlands. VAT number: NL004912213B40. (“Setorio”, “we”, “us”).

By creating an account or accessing the Service, you (“you” or “Customer”) agree to these Terms.

These Terms apply to every use of the Service. They are made available before you create an account, in a form you can save and print. The applicability of any terms and conditions of the Customer is expressly rejected.

1. Definitions

• “Service” means the Setorio web application available at app.setor.io, including any client portal operated through it.
• “Plan” means the Setorio subscription tier applied to your workspace, and the recurring fee payable for it.
• “Client Subscription” means a recurring payment arrangement between you and one of your End Clients, collected through your own connected payment provider account.
• “Customer Content” means any data, information, or content you upload, store, or create within the Service, including data about your own clients.
• “End Client” means a third party whose data you enter into the Service as part of your use of the platform.
• “Agreement” means these Terms together with the Data Processing Agreement, the Privacy Policy as far as it concerns you, and any Plan selection you make in the Service.

1A. Business use only

The Service is offered exclusively to businesses and professionals acting in the course of their trade or profession. By creating an account you confirm that you do so on behalf of a business. Setorio does not contract with consumers. If you provide incorrect information about your business status, you indemnify Setorio against any resulting claims.

2. Plans, Activation and Payment

2.1 Free until your first paying client

Creating a workspace, adding clients, creating subscription plans, customising your client portal, connecting a payment provider and sending portal invitations are free of charge. No Plan fee is payable for any of them.

Your Plan activates on the first successful payment of a Client Subscription. Activation is not triggered by a client accessing or opening their portal, nor by any activity of the demonstration client created with your workspace.

2.2 Authorisation to charge

You choose a Plan and store a valid payment method before you may invite a real client to a portal. By choosing a Plan and storing that payment method, you authorise Setorio to charge it for the Plan fee when your Plan activates under clause 2.1, and thereafter at the start of each billing period, until you cancel. Nothing is charged at the moment you choose a Plan. The first charge is for the period beginning on the date of activation.

You may replace your stored payment method at any time. You may not remove it while your Plan is active without providing a replacement.

2.3 Failed payment and suspension

If a charge fails, Setorio will notify you and retry. If the amount remains unpaid 21 days after the first failed attempt, Setorio may suspend your workspace and the client portal operated through it, which will also suspend your End Clients’ access to that portal. Access is restored once payment succeeds. Setorio does not deduct unpaid amounts from money your clients pay you; no such mechanism exists (see clause 3).

2.4 Prices and changes

Current prices are published on the pricing page. Setorio will give at least 30 days’ notice by email before any increase to your Plan fee, and you may cancel before it takes effect. Where a permanent discount has been granted (for example the founding-customer discount), that discount continues to apply to your Plan for as long as the subscription remains active, including after any change to list prices.

Prices are shown and charged in euros, pounds sterling or US dollars, depending on your location when you create your workspace. The currency of your Plan is fixed once you store a payment method and cannot be changed afterwards. Current prices in each currency are published on the pricing page.

Prices are exclusive of VAT unless stated otherwise. VAT is applied where required. Customers established in the EU outside the Netherlands, and customers established in the United Kingdom, must provide a valid VAT number; VAT is then reverse charged to the Customer.

2.5 Cancellation and refunds

You may cancel at any time. There are no contracts and no cancellation fees. On cancellation you keep access until the end of the billing period you have paid for, and no further charges are made.

If you tell us within 14 days of your first Plan charge that you did not want it, Setorio will refund that charge in full. Subsequent charges are not refundable, because cancelling stops future charges and leaves your access intact until the period you have already paid for ends.

3. Payments From Your Clients

Payments from your End Clients are processed by your own connected payment provider account, in your name. That provider issues the invoices for those payments, owns their numbering, and pays the money to you directly.

Setorio is not a party to those transactions. Setorio does not issue those invoices, does not act as merchant of record, does not hold, route or receive your clients’ funds, and takes no percentage of them. Where the Service lists such invoices, it is displaying records created by your payment provider so that you can see them without leaving Setorio.

Your payment provider’s fees, chargebacks, reversals and negative balances are between you and that provider. Setorio has no liability for them and no means of recovering them on your behalf. Your agreement with your payment provider governs that relationship, and you are responsible for complying with it.

You are responsible for the invoices you issue to your clients, for the accuracy of what you charge them, and for your own VAT and bookkeeping obligations.

Payment processing for your End Clients is provided by Stripe under the Stripe Services Agreement between you and Stripe. Setorio is not a party to that agreement. By connecting your Stripe account you authorise Setorio to access the data in that account that is needed to create and manage your End Clients’ subscriptions and to display their invoices in the Service. You can revoke this access at any time in your Stripe dashboard or in Setorio.

4. Service level

Setorio will use reasonable care and skill to provide the Service and to keep it available, secure and backed up in line with the Data Processing Agreement. Setorio does not guarantee uninterrupted or error-free operation and does not offer a service level agreement or uptime commitment. Setorio may change or remove features, provided the core functionality of your Plan is not materially reduced during a paid billing period. You can request an export of your data at any time by emailing support@setor.io.

5. Acceptable Use

You agree not to use the Service to:

• Upload or store content that is unlawful, fraudulent, or infringes third-party rights.
• Attempt to gain unauthorized access to any part of the Service or its underlying infrastructure.
• Use automated tools or bots to access the Service in a way that impairs its performance.
• Resell or sublicense the Service, or make it available to third parties other than your End Clients through the client portal.
• Use the client portal feature to deceive or mislead your End Clients.

Violation of this section is grounds for immediate termination of your access.

6. Data and Privacy

7. Intellectual Property

All intellectual property rights in the Service (software, design, trademarks, documentation) belong to Setorio. These Terms do not transfer any ownership rights to you.

If you provide feedback, suggestions, or ideas about the Service, you grant Setorio a perpetual, royalty-free license to use that feedback to improve the Service, without any obligation to compensate you.

8. Liability

8.1 Setorio's total aggregate liability to the Customer under or in connection with the Agreement is limited to the amount paid by the Customer to Setorio in the twelve (12) months preceding the event giving rise to the damage, with a minimum of EUR 500.

8.2 Setorio shall not be liable for any indirect damages, including lost profits, missed savings, loss of data, reputational damage, and consequential damages.

8.3 The limitations in this section do not apply to damage caused by intent or wilful recklessness on the part of Setorio, or to any liability that cannot be excluded or limited under mandatory law.

8.4 Any claim by the Customer lapses twelve (12) months after the moment the Customer became aware, or could reasonably have become aware, of the damage.

8A. Indemnity, Force Majeure and Assignment

Indemnity. You indemnify Setorio against all claims by third parties, including your End Clients, your payment provider and supervisory authorities, and against related reasonable costs, arising from (a) your use of the Service in breach of these Terms or applicable law, (b) your Customer Content, (c) your relationship with your End Clients, including what you charge them, or (d) your obligations as controller under the GDPR.

Force majeure. Setorio is not liable for failure to perform caused by circumstances beyond its reasonable control, including outages or failures of hosting, database, email or payment providers, internet disruptions, and government measures.

Assignment. Setorio may transfer its rights and obligations under the Agreement to a legal entity controlled by the owner of Mayelow, or to a successor of the Service. You consent to this in advance. Setorio will notify you of any transfer.

9. Term and Termination

These Terms apply from the date you first access the Service until terminated.

You may stop using the Service at any time. To delete your account and data, contact support@setor.io.

You may cancel at any time under clause 2.5. Setorio may suspend your workspace for unpaid Plan fees under clause 2.3, or for a breach of clause 5 (Acceptable Use).

Setorio may terminate these Terms, or discontinue the Service, on 30 days’ written notice to you. In that case Setorio will refund the unused portion of any Plan fee you have already paid, and you will have the notice period to export your data.

Sections 3, 4, 6.4, 7, 8, 10 and 11 survive termination.

10. Changes to These Terms

Setorio may update these Terms. We will notify you by email or in-app notification before a change takes effect. Where a change materially affects your rights or increases what you pay, we will give at least 30 days’ notice, and you may cancel under clause 2.5 before it takes effect. Continuing to use the Service after that date means you accept the updated Terms. Every version is listed in the change history at the end of these Terms, with the date it was notified and the date it took effect.

11. Governing Law

These Terms are governed by Dutch law. Any disputes shall be submitted to the competent court in Amsterdam, the Netherlands. The parties will first attempt to resolve any dispute informally by contacting support@setor.io.

The United Nations Convention on Contracts for the International Sale of Goods does not apply. These Terms are drafted in English; the English version prevails over any translation.

12. Contact

Questions about these Terms: support@setor.io

Change history

Every version of these Terms, the Privacy Policy and the Data Processing Agreement, with the date customers were notified and the date the version took effect.