Terms of Service

1. Definitions

In these Terms of Service ("Terms") the following terms have the meanings set out below:

• Peil — the service offered via peil.app, including the web application, associated APIs, and all other components of the Platform.
• Platform — the technical environment through which the Service is offered, accessible via peil.app and app.peil.app.
• Service Provider — Studio Jeroen Kortekaas, established in the Netherlands, registered with the Dutch Chamber of Commerce under number 93707754, trading as Peil.
• User — the natural or legal person who creates an account or uses the Platform. The Service is intended exclusively for entrepreneurs (including self-employed freelancers / ZZP'ers) acting in the course of their business or profession.
• Account — the personal access to the Platform created by the User using an email address and password or via an OAuth connection.
• Subscription — the agreement under which the User has access to the Platform, either under the Free Plan or the Pro Plan.
• Free Plan — the basic subscription without a subscription fee, offering a limited set of features as described on the website.
• Pro Plan — the paid subscription providing access to the full features of the Platform.
• Personal Data — any information relating to an identified or identifiable natural person, as defined in the GDPR.
• GDPR — Regulation (EU) 2016/679 (General Data Protection Regulation).
• Tax Authority — the Dutch Tax and Customs Administration (Belastingdienst), being the sole authority for tax returns and assessments in the Netherlands.

2. Applicability and acceptance

2.1 Applicability

These Terms apply to all access to and use of the Platform, as well as to the formation and performance of the Subscription.

2.2 Acceptance

By creating an account, using the Platform, or purchasing a subscription, the User accepts these Terms. If the User acts on behalf of a business, they represent that they are authorised to accept these Terms on behalf of that business.

2.3 Service for business users only

The Platform is intended exclusively for use by entrepreneurs acting in the course of their business or profession. By using the Platform, the User declares that they are acting as a business user and not as a consumer within the meaning of applicable consumer protection law. Mandatory consumer protection provisions therefore do not apply, unless otherwise required by law.

2.4 Severability

If any provision of these Terms is void or unenforceable, the remaining provisions remain in full force. The void provision shall be replaced by a valid provision that most closely reflects the intent of the original.

3. Account, access, and security

3.1 Creating an account

To use the Platform, the User must create an account. The User must be at least 18 years old. Registration is possible with an email address and password, or via an OAuth connection (such as Google). The User is responsible for the accuracy and completeness of the information provided at registration.

3.2 Beta access and invitation code

During the beta phase of the Platform, access is restricted to Users who hold a valid invitation code. The Service Provider reserves the right to refuse or revoke access without stating reasons. No rights may be derived from possession of an invitation code.

3.3 Account security

The User is responsible for keeping their login credentials confidential. The User is liable for all actions performed through their account, unless the Service Provider is responsible for unauthorised access due to a defect in the Platform's security infrastructure. In the event of (suspected) unauthorised use, the User must contact the Service Provider without delay at hallo@peil.app.

3.4 Personal use

An account is strictly personal and non-transferable. Sharing login credentials with third parties or allowing multiple individuals to use one account is not permitted, unless explicitly allowed under a subscription tier that facilitates this.

4. Nature of the service and orientation disclaimer

4.1 What Peil is

Peil is a financial orientation tool for self-employed freelancers (ZZP'ers). The Platform enables Users to:

• track hours worked and rates;
• create, manage, and send invoices;
• calculate a net effective hourly rate, tax burden, and financial position based on data entered by the User;
• explore financial projections, scenarios, and cash-flow overviews;
• track structural costs, income streams, and business expenses.

4.2 What Peil expressly is not

Peil is not a certified bookkeeping application, tax advisor, chartered accountant, or financial adviser. The Platform does not produce legally recognised accounts, tax advice, or audited financial statements. The calculations, projections, and indications in the Platform are:

• orientational in nature — intended as a tool for insight and planning;
• dependent on data entered by the User — Peil performs no independent verification;
• based on publicly available tax parameters that may change from year to year and which the Service Provider maintains on a best-efforts basis, without any guarantee of accuracy.

4.3 User's own responsibility

The User remains at all times fully and exclusively responsible for:

• the timely and correct filing of tax returns (income tax, VAT, and other levies) with the Tax Authority;
• the accuracy of all data underlying those returns;
• compliance with all other statutory and fiscal obligations arising from their entrepreneurial activities.

The Tax Authority (Belastingdienst) is the sole authority for tax assessments and obligations. Peil does not replace the advice of a qualified tax advisor, accountant, or chartered accountant. When in doubt, the User should always consult a competent professional.

4.4 No reliance for legal or official purposes

The User may not use the Platform's outputs as evidence, a basis, or justification in legal or tax proceedings, or as a substitute for officially certified financial statements.

5. Subscription, payment, and billing

5.1 Free Plan

Peil offers a free basic version ("Free Plan"). No payment obligations apply to the Free Plan. The Service Provider reserves the right to modify or limit the functionality, usage limits, and availability of the Free Plan with reasonable advance notice.

5.2 Pro Plan — pricing

The Pro Plan is available at the prices published on the website:

• Monthly subscription: €12 per month (exclusive of VAT);
• Annual subscription: €120 per year (exclusive of VAT).

The Service Provider reserves the right to change these prices. Price changes will be announced at least 30 days in advance by email. If the User does not agree with the new price, they may cancel their subscription before the effective date of the change. Continued use after that date constitutes acceptance of the new price.

5.3 Payment processing via Mollie

Payments are processed by Mollie B.V., established in Amsterdam, the Netherlands. Peil does not store payment card details or other payment instrument data; these are processed exclusively by Mollie. By initiating a payment, the User also agrees to Mollie's applicable terms (available at mollie.com). The IBAN entered by the User in their business settings for display on outgoing invoices is a separate item stored by Peil as part of the business profile.

5.4 Automatic renewal

The Pro Plan renews automatically at the end of each billing period for an equivalent period, unless the User cancels in time. The User will receive a renewal reminder in accordance with applicable law prior to renewal.

5.5 Cancellation and access until end of billing period

The User may cancel the Pro Plan at any time via the account settings or by emailing hallo@peil.app. Cancellation must occur before the start of the new billing period. After cancellation, Pro access remains available until the end of the current billing period. After that period, the account reverts to the Free Plan, unless the User requests account deletion.

5.6 Refunds

Amounts already paid are not refunded in principle. Exceptions apply:

• where required by law (for example, in the event of a non-delivered service);
• where the Service Provider terminates the subscription on its own initiative and not due to a breach by the User, in which case a pro-rata refund will be issued for the remaining billing period.

5.7 Invoices and VAT receipts

Peil issues an invoice / VAT receipt for each payment. These are sent by email and are also available in the account settings. Invoices are self-billed documents in accordance with applicable VAT legislation.

5.8 Late payment

In the event of non-timely payment, the Service Provider reserves the right to restrict or suspend access to the Pro Plan until the outstanding amount is settled, without this giving rise to a right of refund for ongoing periods.

6. Acceptable use

6.1 Permitted use

The User may use the Platform exclusively for lawful purposes in accordance with these Terms and applicable law.

6.2 Prohibited use

The User may not use the Platform for:

• activities that violate Dutch or European law or regulations;
• entering, storing, or processing third-party data without their consent and without a valid legal basis;
• circumventing, attacking, or testing the security infrastructure of the Platform without prior written permission;
• using automated systems (bots, scrapers, crawlers) to access or extract data from the Platform;
• commercially reselling, sublicensing, or otherwise making available access to or use of the Platform to third parties;
• deliberately entering incorrect data with the intention of misleading third parties or disrupting the operation of the Platform;
• using the Platform in ways that damage the rights or interests of the Service Provider or other Users.

6.3 Consequences of misuse

In the event of a breach of the acceptable use provisions, the Service Provider reserves the right to immediately block access and terminate the account without prior notice and without refund of subscription fees.

7. Intellectual property

7.1 Service Provider's ownership

All intellectual property rights in the Platform — including the software, algorithms, financial calculation models, design, user interface, logos, trade names, texts, and documentation — vest in the Service Provider or its licensors. The User obtains only a limited, non-exclusive, non-transferable, revocable right of use for the duration of the Subscription.

7.2 User's ownership of data

The User retains all rights to the data they enter into the Platform, including hours, rates, client details, invoice content, and costs ("User Data"). The Service Provider processes User Data solely to deliver the Service and does not provide or sell User Data to third parties for commercial purposes.

The User grants the Service Provider a limited, revocable licence to process User Data to the extent necessary for the technical delivery of the Service, including storage, back-up, and display.

7.3 Prohibition on reverse engineering

The User may not copy, decompile, reverse engineer, modify, or create derivative works from the Platform, unless expressly permitted by law.

7.4 Feedback

If the User shares feedback, suggestions, or ideas with the Service Provider, the User grants the Service Provider a royalty-free, irrevocable, worldwide right to use these for improving the Platform or other products of the Service Provider, without any compensation being owed.

8. Privacy and data processing

The processing of personal data by the Service Provider is described in the Privacy Policy. The Privacy Policy forms part of the contractual relationship between the Service Provider and the User.

For personal data entered by the User relating to their own clients or contacts (such as names, addresses, and email addresses on invoices), the Service Provider acts as a data processor on behalf of the User. In that capacity, the User is the data controller. A Data Processing Agreement (DPA) is available on request at privacy@peil.app.

9. Limitation of liability

9.1 Service provided "as is"

The Platform is provided "as is" and "as available". The Service Provider makes no warranties, express or implied, regarding:

• the uninterrupted or error-free availability of the Platform;
• the accuracy, completeness, or currency of calculations, projections, or tax parameters;
• the suitability of the Platform for the User's specific tax or financial situation.

9.2 Exclusion of liability

To the extent permitted by law, the Service Provider is not liable for:

• indirect damages, consequential damages, lost revenue, lost profits, or missed savings;
• tax assessments, fines, surcharges, interest, or corrections by the Tax Authority, regardless of whether these arise from the use of or reliance on the Platform's calculations or projections;
• damages resulting from incorrect or incomplete data entry by the User;
• damages resulting from temporary or permanent unavailability of the Platform;
• loss, corruption, or accidental deletion of User Data due to technical failures, cybersecurity incidents, or force majeure;
• damages arising from acting on projections, scenarios, or indications generated by the Platform.

9.3 Cap on liability

Notwithstanding §9.2, the total liability of the Service Provider to the User on any basis whatsoever, per event or series of related events, is limited to the amount the User has paid to the Service Provider in the three calendar months preceding the damage-causing event, with an absolute maximum of €500.

9.4 Tax responsibility

The Service Provider is not a tax advisor and does not hold a licence under the Act on Financial Supervision (Wet op het financieel toezicht) or equivalent legislation. The tax calculations in the Platform are based on public parameters and are indicative only. The User remains fully and personally responsible for all tax returns and the accuracy of the data contained therein, as well as the timely remittance of taxes due.

9.5 Force majeure

The Service Provider is not liable for failures to perform its obligations due to circumstances beyond its reasonable control, including but not limited to: outages at hosting providers or third-party service providers, network failures, DDoS attacks, cyberattacks, fire, government measures, epidemics or pandemics, or other force majeure events.

10. Availability and maintenance

The Service Provider strives for high Platform availability but does not guarantee uninterrupted access. The Service Provider reserves the right to carry out scheduled maintenance, preferably with advance notice. Unplanned maintenance or outages may occur. The Service Provider is not liable for damages resulting from scheduled or unscheduled maintenance.

11. Termination and account deletion

11.1 Cancellation by the User

The User may cancel their Subscription and account at any time via the account settings or by emailing hallo@peil.app. After submitting a deletion request, a 30-day recovery period applies during which the User may reverse the request. After the recovery period expires, User Data is permanently deleted in accordance with the Privacy Policy.

Before permanent deletion, the User may request a data export via privacy@peil.app. The Service Provider supports export of client data, time records, invoice overviews (CSV/JSON), and invoice PDFs.

11.2 Termination by the Service Provider

The Service Provider reserves the right to suspend or terminate the User's account if:

• the User breaches these Terms and, where the breach is remediable, fails to remedy it within 14 days of a written notice;
• there are reasonable grounds to suspect fraudulent, unlawful, or abusive use of the Platform;
• the Service Provider discontinues the Service wholly or in part.

In the event of suspension or termination due to a serious breach by the User, no refund of subscription fees already paid will be made. In the event of termination due to discontinuation of the Service, a pro-rata refund of the remaining billing period will be issued.

11.3 Data after termination

After account termination, the Service Provider retains personal data for the periods described in the Privacy Policy. Invoice data may be retained longer under the statutory record-keeping obligation (seven years), in anonymised or minimal form to the extent necessary.

12. Changes to these Terms

The Service Provider reserves the right to amend these Terms. Material changes will be announced at least 30 days in advance by email. The most current version is always available at peil.app/en/terms. Continued use of the Platform after the effective date of amended Terms constitutes acceptance. If the User does not agree with the changes, they may cancel their account before the effective date.

13. Governing law and disputes

13.1 Governing law

These Terms and the legal relationship between the Service Provider and the User are governed exclusively by Dutch law, to the exclusion of the Vienna Convention on Contracts for the International Sale of Goods (CISG).

13.2 Jurisdiction

Disputes arising from or in connection with these Terms or the use of the Platform shall be submitted exclusively to the competent court of the District Court of Amsterdam (Rechtbank Amsterdam), unless mandatory law prescribes a different court.

13.3 Amicable resolution

Before submitting a dispute to a court, the Parties undertake to seek an amicable resolution within 30 days of the dispute arising.

14. Contact

Questions about these Terms, the Platform, or your subscription can be sent to:

Studio Jeroen Kortekaas
trading as Peil
Chamber of Commerce: 93707754
Email: hallo@peil.app
Website: peil.app