Terms of Service - DEMFACT - Belgian Invoicing Platform

Last updated: September 12, 2026

By using DEMFACT, you agree to these Terms of Service. Please read them carefully.

1. Definitions

"DEMFACT" refers to the online invoicing platform operated by DEMFACT, accessible at demfact.com
"User" refers to any individual or entity that registers for and uses the Service
"Service" refers to all features and functionalities provided by DEMFACT
"Company" refers to a business entity registered by the User within the platform
"Invoice" refers to any invoice document created through the Service

2. Acceptance of Terms

By accessing or using DEMFACT, you acknowledge that you have been provided with and have reviewed our Privacy Policy, and you agree to be bound by these Terms of Service. Where you use DEMFACT to process personal data about your own customers, suppliers or contacts, our Data Processing Agreement (DPA) forms part of the contractual framework governing the personal-data processing carried out by DEMFACT on your behalf. If you do not agree to these Terms and the DPA, you may not use the Service.

We reserve the right to modify these terms at any time. Continued use of the Service after changes constitutes acceptance of the modified terms.

3. Account Registration and Security

3.1 Account Creation

To use DEMFACT, you must create an account by providing accurate and complete information. You may register using:

Email address and password (email verification required)
Google OAuth authentication
Microsoft OAuth authentication

3.2 Account Security

You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorized access
Using strong passwords and enabling two-factor authentication when available

3.3 Account Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts. If registering on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

4. Company Registration and VAT Compliance

4.1 Legal Declaration

When registering a company on DEMFACT, you must confirm that:

You are the legal representative or an authorized person acting on behalf of the company
All information provided is accurate and complete
You have the authority to use the VAT number and company details provided

4.2 VAT Number Verification

DEMFACT validates VAT numbers against the EU VIES (VAT Information Exchange System) database. By using the Service, you:

Authorize DEMFACT to verify your VAT number with VIES
Agree to provide accurate company information matching official records
Understand that VAT validation is required to create invoices

4.3 Fraud Prevention

Important: Providing false company information or using a VAT number without authorization constitutes fraud under Belgian law (Article 196 of the Criminal Code) and may result in:

Immediate account suspension
Reporting to relevant authorities
Legal prosecution
Civil liability for damages

5. Service Description

5.1 Features

DEMFACT provides:

Company profile management
Client database management
Invoice creation and management (invoices, credit notes, quotes, proformas)
PDF and UBL invoice generation
PEPPOL e-invoicing integration (send & receive)
Payment tracking and reminders
VAT validation via EU VIES
AI-powered receipt and invoice OCR scanning
Financial assistant (DemBot) connected to your data
Financial overview and cash-flow tracking
Accountant portal with WinBooks ACT and Sage BOB50 exports

5.2 Service Availability

While we strive for 99.9% uptime, we do not guarantee uninterrupted service. The Service may be temporarily unavailable due to:

Scheduled maintenance
Emergency repairs
Force majeure events
Third-party service disruptions (VIES, payment processors, etc.)

6. User Responsibilities

6.1 Lawful Use

You agree to use DEMFACT only for lawful purposes and in compliance with:

Belgian accounting and tax regulations
EU VAT directives
GDPR and data protection laws
All applicable local, national, and international laws

6.2 Invoice Accuracy

You are solely responsible for:

The accuracy and completeness of all invoices created
Compliance with Belgian invoicing requirements
Proper VAT calculations and declarations
Maintaining proper accounting records

6.3 Prohibited Activities

You may not:

Use the Service for fraudulent activities
Create invoices for illegal goods or services
Attempt to circumvent security measures
Share account credentials with unauthorized parties
Use automated systems to access the Service without permission
Reverse engineer or copy the Service

7. Payments and Billing

7.1 Subscription Plans

DEMFACT offers various subscription plans. By subscribing, you agree to:

Pay all applicable fees
Provide accurate billing information
Authorize recurring charges if applicable

7.2 Payment Processing

Payments are processed securely through Stripe. DEMFACT does not store complete credit card information.

7.3 Refund Policy

Subscription fees are non-refundable except as required by law. You may cancel your subscription at any time, and your access will continue until the end of the current billing period.

8. Intellectual Property

8.1 DEMFACT Property

All rights, title, and interest in the Service, including software, designs, trademarks, and content, are owned by DEMFACT. You are granted a limited, non-exclusive license to use the Service.

8.2 User Content

You retain ownership of data you upload to DEMFACT. By using the Service, you grant DEMFACT a limited license to process and store your data as necessary to provide the Service.

9. Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.

In summary:

We comply with GDPR and Belgian data protection laws
Your data is encrypted in transit and at rest
We do not sell your data to third parties
You have the right to access, correct, and delete your data

10. PEPPOL E-Invoicing Service

10.1 PEPPOL access point sub-processor

Our e-invoicing service is delivered through a certified PEPPOL access point provider established in the EU/EEA. The identity of this provider, along with its terms and trust-centre documentation, is disclosed to Data Controllers on written request as set out in our Data Processing Agreement. By using DEMFACT's e-invoicing features, you accept that transmission of the electronic invoice through this provider is a technical prerequisite of the PEPPOL network.

10.2 Company Verification

Before sending or receiving e-invoices via PEPPOL, your company must complete an electronic identity verification step required by the access point provider. The person listed as company owner receives a verification email and must complete the electronic signing process. The verification invitation expires after 7 days and can be resent.

10.3 PEPPOL Network

E-invoices are transmitted over the PEPPOL network in BIS Billing 3.0 (UBL 2.1) format, aligned with the Belgian CIUS-BE profile. DEMFACT is not responsible for delivery failures caused by incorrect recipient PEPPOL IDs, network outages, or recipient access point issues.

10.4 Belgian B2B mandate

Structured B2B e-invoicing has been mandatory for Belgian VAT-registered businesses since 1 January 2026 (Law of 6 February 2024, amended by the Law of 20 December 2024). Users are responsible for their own compliance with this obligation.

11. Limitation of Liability

11.1 Service Disclaimer

DEMFACT is provided "as is" without warranties of any kind, express or implied. We do not warrant that:

The Service will meet all your requirements
The Service will be uninterrupted or error-free
Results obtained will be accurate or reliable

11.2 Liability Limits

To the maximum extent permitted by law:

DEMFACT shall not be liable for any indirect, incidental, special, consequential, or punitive damages
Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim
We are not responsible for errors in invoices created by users
We are not responsible for tax or VAT calculation errors by users

11.3 Tax & Fiscal Disclaimer

DEMFACT is an invoicing tool and does not provide tax, legal, or accounting advice. Specifically:

DEMFACT does not verify the accuracy of VAT rates, amounts, or tax categories applied by users
Users are solely responsible for compliance with applicable tax regulations, including VAT obligations
DEMFACT does not substitute professional tax or accounting services
Automated features (such as VAT validation or PEPPOL e-invoicing) are provided as convenience tools and do not guarantee legal compliance

11.4 Third-Party Services

DEMFACT integrates with third-party services (VIES, Stripe, our PEPPOL access point provider, Anthropic for AI features when you enable them). Subject to the paragraph below, we are not responsible for:

Outages or errors in third-party services outside our control
Changes to third-party service terms outside our control
Processing performed by third parties acting as independent controllers (e.g. payment processors for their own fraud-prevention purposes)

Nothing in this Section limits or excludes DEMFACT's obligations under applicable data-protection law. Where DEMFACT acts as a processor on your behalf, DEMFACT remains responsible for compliance with Article 28 GDPR, including the obligations applicable to its sub-processors under Article 28(4). This clause does not limit statutory rights or remedies.

12. Indemnification

You agree to indemnify and hold harmless DEMFACT, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your use of the Service
Your violation of these terms
Your violation of any law or third-party rights
Fraudulent or unauthorized use of company information

13. Termination

13.1 By User

You may terminate your account at any time by contacting support. Upon termination:

Your access to the Service will end
Your data will be retained for the legally required period
You may request data export before termination

13.2 By DEMFACT

We may suspend or terminate your account if you:

Violate these terms
Engage in fraudulent activity
Fail to pay subscription fees
Are inactive for an extended period

14. Governing Law and Disputes

14.1 Governing Law

These terms are governed by Belgian law. Any disputes shall be subject to the exclusive jurisdiction of the courts of Belgium.

14.2 Dispute Resolution

Before initiating legal proceedings, parties agree to attempt resolution through:

Direct communication with support
Mediation if necessary

14.3 Consumer Rights

If you are a consumer in the EU, you retain all rights under applicable consumer protection laws. Nothing in these terms affects your statutory rights.

15. Changes to Terms

We may update these terms from time to time. We will notify you of material changes by:

Email notification to registered users
Prominent notice on the platform

Continued use after changes take effect constitutes acceptance of the new terms.

16. Contact Information

For questions about these Terms of Service, please contact us at:

Email: support@demfact.com
Website: https://demfact.com

DEMFACT is committed to providing a secure, compliant, and reliable invoicing platform for Belgian businesses.

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