1. Purpose
These terms of service govern access to and use of the mafactu.com website and its online invoicing services. By accessing the site, you agree to these terms in their entirety. These terms apply to all visitors, registered users, and anyone who interacts with any part of the mafactu platform, including the free calculation tools, invoicing application, and informational content.
2. Services Description
mafactu offers a comprehensive suite of online business tools:
- Free Calculation Tools: VAT calculator, loan simulator, percentage calculator, profit margin calculator, compound interest calculator, age calculator, date calculator, discount calculator, GPA calculator, and salary-to-hourly converter — all accessible without account creation
- Online Invoicing Software: create professional invoices, quotes, purchase orders, and delivery notes with automatic sequential numbering
- Articles and Guides: in-depth resources on invoicing best practices, accounting regulations, and business management
3. Access to Services
Access to calculation tools is free and does not require an account. The invoicing application requires account creation with a valid email address. Upon registration, users must verify their email and complete the initial setup wizard. Certain premium features may require an active subscription. mafactu reserves the right to suspend or terminate accounts that violate these terms or engage in abusive use of the platform.
4. Intellectual Property
All site content, including texts, graphics, logos, calculator algorithms, page layouts, and software code, is protected by copyright and intellectual property laws. Reproduction, distribution, or modification of any content without prior written authorization from mafactu is prohibited. Users retain full ownership of their own business data, including client information, documents, and invoices created through the platform.
5. Liability & Disclaimer
mafactu provides its calculation tools for informational and educational purposes only. Results generated by our calculators do not constitute financial, tax, or legal advice. Users are responsible for verifying all calculations before using them for professional or business decisions. While we strive for accuracy in all our tools, mafactu cannot be held liable for any errors in calculations or any decisions made based on the results provided. For official financial or legal matters, we recommend consulting a qualified professional.
6. Data Protection
Your personal data is processed in accordance with our privacy policy. We use bank-level encryption to protect your information and never share personal data with third parties for marketing purposes. Account data is stored securely on European servers.
7. Advertising
The site may display advertisements via Google AdSense. These ads are clearly identified and do not constitute a recommendation or endorsement by mafactu. Ad content is managed by third-party advertising networks and is subject to their own terms and policies.
8. Changes to Terms
mafactu reserves the right to modify these terms at any time. Changes take effect upon publication on the site. Continued use of the platform after modifications constitutes acceptance of the updated terms. We encourage users to review these terms periodically.
9. Contact
For any questions about these terms of service, contact us at support@mafactu.com. We are committed to addressing your concerns promptly.