Last updated: 29 March 2026
PennaPay is an invoicing platform for freelancers and small businesses, operated by PennaSystems ("we", "us", "our"). The service is available at pennapay.com. These Terms of Service govern your use of the platform.
By accessing or using PennaPay, you confirm that you are at least 16 years old and agree to be bound by these terms. If you are using PennaPay on behalf of a business, you confirm you have authority to bind that business to these terms.
PennaPay provides tools to create, manage, and send invoices; collect payments from clients; store and deliver files; and manage client relationships. We offer a free tier (no account required) and a paid Pro subscription.
We reserve the right to modify, suspend, or discontinue any feature at any time. We will give reasonable notice of material changes to the service where possible.
You are responsible for maintaining the security of your account credentials. Do not share your password. Notify us immediately at [email protected] if you suspect unauthorised access to your account.
You are responsible for all activity that occurs under your account, including invoices created, messages sent, and files shared.
You must provide accurate information when registering. Accounts created with false information may be suspended.
Trial period: New Pro accounts include a 14-day free trial. You will not be charged until the trial ends. You may cancel during the trial at no cost.
Billing: Pro subscriptions are billed monthly at £8/month (or the current price at time of upgrade). Billing is handled by Stripe. By subscribing, you authorise us to charge your payment method on a recurring monthly basis.
Cancellation: You may cancel your Pro subscription at any time via your account settings. Cancellation takes effect at the end of the current billing period — you retain Pro access until then. No partial refunds are issued for unused portions of a billing period.
Price changes: We will give at least 30 days' notice before changing the Pro subscription price. Continuing to use Pro after the effective date of a price change constitutes acceptance.
Refunds: We do not offer refunds on completed billing periods except as required by applicable consumer protection law. If you believe you have been charged in error, contact [email protected].
You agree not to use PennaPay to:
Violations of acceptable use may result in immediate account suspension or termination without refund.
You retain ownership of all invoice data, client data, and files you create or upload on PennaPay. By using the service, you grant us a limited licence to store, process, and transmit your content solely to provide the service to you.
You are responsible for ensuring that any personal data you enter about third parties (e.g. client names and addresses) is handled in accordance with UK GDPR and any applicable data protection law. PennaPay acts as a data processor for this data, processing it on your instructions.
When clients pay your invoices online through PennaPay, payments are processed by Stripe under Stripe's own terms of service. You are responsible for ensuring the accuracy of invoiced amounts, compliance with applicable tax law (including VAT), and any refunds or disputes with your clients.
PennaPay is not a party to the commercial relationship between you and your clients. We are not liable for non-payment by your clients, payment disputes, chargebacks, or errors in invoiced amounts.
Files shared via PennaShare are accessible to anyone with the share link. You are responsible for ensuring you have the right to share any file you upload and that it does not contain illegal, harmful, or infringing content.
We reserve the right to remove files that violate these terms or applicable law. Files may be stored indefinitely until you delete them or close your account.
PennaPay is provided "as is" without warranties of any kind, express or implied. We do not warrant that the service will be uninterrupted, error-free, or free from viruses or harmful components.
We do not provide legal, accounting, or tax advice. Invoice templates and calculations are provided for convenience only — you are responsible for ensuring your invoices comply with applicable law, including VAT regulations.
To the maximum extent permitted by UK law, PennaSystems shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of PennaPay, including but not limited to loss of profits, loss of data, or business interruption.
Our total liability to you for any claim arising from these terms or your use of the service shall not exceed the amount you have paid to us in the 12 months preceding the claim, or £100, whichever is greater.
Nothing in these terms limits our liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded under UK law.
You may close your account at any time by contacting [email protected]. Upon closure, your data will be deleted within 30 days, subject to legal retention requirements.
We may suspend or terminate your account if you violate these terms, with or without prior notice depending on the severity of the violation. In the event of wrongful termination by us, your sole remedy is a refund of any prepaid subscription fees for the unused period.
These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
We may update these terms from time to time. We will notify registered users of material changes by email at least 14 days before they take effect. Continued use of the service after the effective date constitutes acceptance of the updated terms.
The current version is always available at pennapay.com/terms.html.
For any questions about these terms: [email protected]