Terms and conditions

Last updated: 3 August 2026

These terms govern the use of the Cuotal service. They are written to be understood, but they are a contract: by creating your account you accept them in full. The Spanish version is the legally binding one; the English and German translations are provided for convenience and, in the event of any discrepancy, the Spanish text prevails.

1. Who provides the service and how you accept these terms

The Cuotal service is provided by Cuotal App, S.L.U., with tax ID (NIF) B93910081 and registered office at Calle Real 14, Navas de Tolosa, 23212 La Carolina (Jaén), Spain (full details are in the Legal Notice). In these terms we refer to the provider as “Cuotal”.

You accept these terms by ticking the box or pressing the account-creation button during sign-up. From that moment a contract exists between you and Cuotal.

In accordance with Article 27 of the LSSI, the contract is kept on file and these terms are accessible at all times from the app and the website, in their current version. Before you subscribe to a paid plan we show you the price, the applicable taxes and the essential conditions.

2. Definitions

To avoid repetition, these terms use the following definitions:

3. What Cuotal does

Cuotal is a cloud (SaaS) invoicing and organisation service for self-employed professionals and small businesses. Its main features are:

4. A service for professionals only

Cuotal is aimed exclusively at self-employed workers, professionals and businesses acting in the course of their economic activity. It is not a consumer service.

By signing up you declare that you are of legal age and that you use Cuotal as a professional. As this is a business-to-business (B2B) relationship, rights reserved for consumers do not apply, such as the 14-day right of withdrawal. The free trial period allows you to evaluate the Service before paying.

5. Your account

When signing up you must provide accurate details and keep them up to date. Each account holder may have only one account.

You are responsible for safeguarding your credentials and for all activity that takes place in your account. If you detect unauthorised access, notify us immediately at hugo@cuotal.com.

6. Plans, prices, free trial and payment

Cuotal offers a free trial period of 14 days, no card required. When it ends, you need to subscribe to a paid plan to keep using the Service normally; if you do not, your account switches to read-only mode: you keep access to view and export your data, but you cannot create new documents or record movements.

The current plans and prices are those published in the app and on the website. As of this version: Cuotal Pro, at €9.99 per month or €99.90 per year, taxes not included. For accounts with the United States as billing country, the price is $14.99 per month or $149.90 per year. Prices are displayed indicating whether or not they include applicable taxes. Payment is processed through Stripe.

Your subscription renews automatically for equal periods (monthly or annual, depending on the plan you choose) unless you cancel before renewal. You can cancel at any time from Settings (Stripe customer portal); cancellation takes effect at the end of the period already paid. If a payment fails and is not resolved, we may switch your account to read-only mode or suspend access until the situation is remedied.

If we change our prices, we will give you at least 30 days’ notice by email. The new price will apply from the next renewal; if you do not agree, you can cancel before it takes effect.

7. Acceptable use

We want a healthy service for everyone. By using Cuotal you undertake NOT to:

8. Your data is yours

All User Content —your invoices, clients, expenses and other business data— is yours and remains yours.

You grant us only a limited, non-exclusive and revocable licence to host, process and transmit that content for a single purpose: providing the Service to you (generating your PDFs, sending your invoices, calculating your estimates, making backups).

We do not use your content for commercial purposes or sell it to anyone. We may only use aggregated, anonymised data —from which it is impossible to identify you or your clients— to improve the Service.

9. VeriFactu and invoicing in Spain

For users with business activity in Spain, Cuotal operates as a computerised invoicing system (SIF) in accordance with Royal Decree 1007/2023 and Order HAC/1177/2024: integrity, inalterability, traceability and chaining of invoicing records, QR code and submission to the AEAT under the VeriFactu scheme.

The manufacturer’s responsible declaration required by Article 13 of RD 1007/2023 is available to you: you can request it at any time at hugo@cuotal.com, and we will also publish it on the Cuotal website.

Important: using Cuotal does not transfer your tax obligations. You remain the taxpayer: the decision to issue each invoice, the truthfulness and accuracy of its details and compliance with your tax obligations are your responsibility.

Cuotal does not control or guarantee the availability of the AEAT’s electronic services, and is not liable for rejections or incidents attributable to the AEAT or to incorrect data entered by the User. If the submission of a record fails for reasons beyond Cuotal’s control, we will queue it and retry in accordance with the regulations.

10. Tax estimates and the “piggy bank”: not advice

Cuotal is an invoicing and organisation tool for self-employed professionals and small businesses. Tax estimates, suggested provisions and projections are calculated automatically from the data entered by the user and from general parameters; they are purely indicative and do not constitute tax, accounting, financial or legal advice. Cuotal does not review the user’s individual situation, and the user remains solely responsible for their tax obligations and for verifying any amount before declaring or paying it. For tax decisions, consult a qualified professional. To the extent permitted by applicable law, Cuotal accepts no liability for decisions taken on the basis of such estimates.

This includes the tax “piggy bank” (the provision percentage is a configurable starting point, not an individualised recommendation), the “payslip” (a planning tool, not an employment payslip or an official calculation) and the corporate income tax forecast (a general estimate, not a tax assessment). Cuotal is not liable for differences between the estimated amounts and those actually due, or for surcharges or penalties arising from decisions based on the estimates.

11. Sending invoices by email on your behalf

When you send an invoice by email from Cuotal, the message is sent from our sending infrastructure with your address as the reply-to sender.

By using this feature you warrant that you have a legitimate basis for contacting each recipient (normally, your business relationship). You are responsible for the content of your invoices and of the messages accompanying them.

We may temporarily limit or suspend email sending from your account if we detect abuse, recipient complaints or a risk to the service’s sending reputation, notifying you where possible.

12. Service availability

We commit to reasonable, ongoing efforts to keep Cuotal working well, but the Service is provided “as is” (a best-efforts obligation): we do not guarantee uninterrupted availability or the total absence of errors, and there is no contractual service level agreement (SLA).

The Service depends on third-party providers (cloud infrastructure, email sending, PDF generation, payment processing) and on public services such as those of the AEAT, whose availability we do not control.

We may carry out scheduled maintenance; we will try to minimise its impact and to give notice when it is significant.

13. Limitation of liability

To the extent permitted by law, Cuotal is not liable for indirect damages, loss of profit, loss of business or loss of data not attributable to Cuotal.

Cuotal’s total aggregate liability towards the User on any grounds is limited to the amount of the fees actually paid by the User in the 12 months preceding the event giving rise to the claim.

Nothing in the foregoing excludes or limits Cuotal’s liability in the event of wilful misconduct or gross negligence, which under Article 1102 of the Spanish Civil Code cannot be excluded, or any other liability that the law does not allow to be limited.

14. Protection of your clients’ data: data processing agreement

With regard to the personal data of your End Clients that you enter in Cuotal, you are the data controller and Cuotal acts as data processor within the meaning of Article 28 of the GDPR.

That processing is governed by Annex I (Data Processing Agreement), which forms an integral part of these terms and which you accept together with them. The processing of your own data as a user is described in the Privacy Policy.

15. Cuotal’s intellectual property

The platform, code, design, brand and the other elements of the Service are the property of Cuotal or its licensors.

While your subscription is active we grant you a non-exclusive, non-transferable licence to use the Service, limited to your professional activity. This licence does not include any rights over the software beyond using the Service.

16. Term, cancellation and export of your data

The contract lasts as long as you have an account. You can cancel your subscription at any time from the Stripe customer portal or by writing to us at hugo@cuotal.com; cancellation takes effect at the end of the period already paid for and does not entitle you to a pro-rata adjustment or refund for that period.

Your data is yours when you leave too: you can export your invoices as PDFs and your data in reusable formats (CSV/Excel) at any time and for 180 days after cancellation. After that period, we will delete your User Content.

Legal retention exception: VeriFactu invoicing records and data whose retention is required by tax or commercial regulations will be kept blocked for the legally required periods even after you cancel (see the periods in the Privacy Policy). Blocked means they are used only to meet legal obligations, and for nothing else.

17. Suspension and termination by Cuotal

We may suspend or terminate the contract if you breach these terms, in particular the acceptable use clause, or in the event of unresolved non-payment.

Except for serious breaches or security risks requiring immediate action, we will notify you first and give you a reasonable period to remedy the problem.

In the event of termination, the same data export and deletion regime as in clause 16 applies.

18. Changes to these terms

We may amend these terms. If a change is significant, we will notify you by email at least 30 days in advance.

If you continue using the Service after the changes take effect, they are deemed accepted. If you do not agree, you can cancel your account before that date.

19. Communications

The email address associated with your account is the valid channel of communication between Cuotal and you for everything relating to this contract. Keep it up to date.

20. Governing law and jurisdiction

This contract is governed by Spanish law.

As this is a relationship between professionals, the parties submit to the courts and tribunals of the city of Jaén (Spain), waiving any other jurisdiction to which they might be entitled.

If you contract the Service from outside Spain (for example, from Germany or the United States), this agreement remains governed by Spanish law and the forum above, to the extent permitted by the mandatory rules of your jurisdiction.

21. Miscellaneous

If any clause of these terms is declared void, the rest will remain valid.

If Cuotal does not enforce a clause at any given time, this does not mean it waives it.

You may not assign this contract to third parties. Cuotal may assign it in the event of a sale or reorganisation of the business, ensuring that the new owner complies with these terms and with data protection regulations.

Annex I — Data processing agreement: parties and roles

This annex governs the processing of the personal data of End Clients that the User enters in Cuotal, in accordance with Article 28(3) of the GDPR. It forms an integral part of the Terms and Conditions and is accepted together with them.

For such data, the User is the Controller and Cuotal (Cuotal App, S.L.U., NIF B93910081) is the Processor. The subject matter of the processing engagement is the hosting and processing of End Client data necessary to provide the Service.

Annex I — Nature, purpose and duration of the processing

Processing operations: storage, structuring, consultation, generation of PDF documents, sending by email to the recipients indicated by the Controller, making data available to the User’s accountant when the User enables the accountant portal, export and backup.

Purpose: exclusively the provision of the invoicing and organisation Service described in the Terms.

Duration: the lifetime of the User’s account plus the export and deletion period provided for in clause 16.

Annex I — Types of data and categories of data subjects

Categories of data subjects: the User’s clients and business contacts.

Types of data: identification data (name or company name; NIF, VAT ID, EIN or other tax identifier), contact data (address, email, telephone) and transactional data (invoiced items, amounts, dates).

Entering special categories of data (health, ideology, biometrics, etc.) in Cuotal is prohibited. The Service is not designed to process them and the Controller undertakes not to include them.

Annex I — Documented instructions

Cuotal will process the data only on documented instructions from the Controller. The account settings and the actions the User performs in the app (creating an invoice, sending it, enabling the accountant portal, exporting data) are deemed documented instructions.

If Cuotal considers that an instruction infringes the GDPR or other data protection rules, it will inform the Controller immediately.

Annex I — Confidentiality

Cuotal ensures that the persons authorised to process the data are subject to a duty of confidentiality, whether contractual or statutory.

Annex I — Security measures

Cuotal applies the appropriate technical and organisational measures required by Article 32 of the GDPR, including:

Annex I — Sub-processors

The Controller gives general authorisation for Cuotal to engage the following sub-processors, imposing on them by contract obligations equivalent to those of this annex:

Annex I — International transfers

Data is hosted in the European Union by default. The relevant transfers outside the EU are the sending of emails through Resend (US) and the PDF generation hosted on Vercel (US), both covered by the EU-US Data Privacy Framework. Residual access by Supabase sub-processors from third countries is covered by standard contractual clauses (SCCs).

Annex I — Assistance to the Controller

Cuotal will reasonably assist the Controller, taking into account the nature of the processing, in responding to End Clients’ data subject requests (access, rectification, erasure and others) and in complying with its obligations regarding security, breach notification and impact assessments.

If Cuotal detects a security breach affecting End Client data, it will notify the Controller without undue delay, with the information available, so that the Controller can meet its own notification obligations.

Annex I — Fate of the data at the end of the service

At the end of the processing engagement, the Controller may export the data in accordance with clause 16. Afterwards, Cuotal will delete the End Client data, except for data it must keep blocked under a legal obligation, and only for the required period.

Annex I — Audit

Cuotal will make available to the Controller the information necessary to demonstrate compliance with this annex. The Controller’s audit right will be satisfied primarily through the documentation, reports and certifications of Cuotal and its sub-processors; if these are insufficient, the parties will agree in good faith on the scope of an additional verification, at the Controller’s expense and without disrupting the service for other users.