Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of Fbrly ("Fbrly", "the Service", "we", "us", "our"), a digital invoicing and FBR e-invoicing platform owned and operated by 41stack, available at fbrly.41stack.com.

By creating an account, accessing, or using Fbrly in any way, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you may not use the Service.

2. Eligibility

You may use Fbrly only if you are at least 18 years old, can form a legally binding contract under the laws of the Islamic Republic of Pakistan, and are not barred from receiving services under applicable law. If you are using Fbrly on behalf of a business, you confirm that you have authority to bind that business to these Terms.

3. The Service

Fbrly provides software tools to help Pakistani businesses:

• Manage customers, suppliers, and product or service catalogues.
• Create and issue sales invoices, debit notes, and (where supported) estimates.
• Calculate sales tax, further tax, and other FBR-defined tax categories.
• Upload invoices to the Federal Board of Revenue's digital invoicing system and receive an Invoice Reference Number (IRN) and QR code.
• Generate PDF invoices and shareable invoice links for buyers.
• Track purchase orders and basic inventory.
• Invite team members under a single business workspace.

We may add, change, or remove features from time to time. Where a change materially reduces functionality on a paid plan, we will give reasonable advance notice.

4. Accounts & Workspaces

To use Fbrly you must register an account with accurate information and confirm your email address. Each account belongs to a single business workspace (the "Business"). The user who creates the Business is its owner and is the primary contract counterparty for that workspace.

Owners may invite additional users as team members, subject to the limits of the active plan. Owners are responsible for the actions of all users they invite. You are responsible for safeguarding your password and for any activity performed under your account; notify us immediately at [email protected] if you suspect unauthorized access.

5. License Grant

Subject to your compliance with these Terms and timely payment of applicable fees, 41stack grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use Fbrly solely for the internal business operations of your Business.

You may not:

• Copy, modify, translate, or create derivative works of the Service or its source code.
• Reverse engineer, decompile, disassemble, or attempt to extract the source code of the Service.
• Rent, lease, sell, sublicense, white-label, or otherwise commercially exploit the Service.
• Use the Service to build a competing product or replicate its features.
• Use automated means (bots, scrapers, crawlers) to access the Service except as expressly authorized.
• Bypass rate limits, security mechanisms, or any access controls.
• Use the Service for unlawful purposes, including tax evasion, money laundering, fraud, or issuance of false invoices.

6. Plans, Trials & Plan Limits

Fbrly offers multiple subscription plans with different monthly invoice quotas, product catalogue limits, user seats, and feature access (such as the FBR Production environment). The plan you are on at any given time, together with its limits and price, is displayed inside your account and on the public pricing page.

Some plans may include a free or demo tier with reduced limits, intended for evaluation. We may modify, restrict, or discontinue any plan with reasonable notice. If we change the price of a plan, the new price takes effect from your next billing period.

7. Billing, Payments & Overage

a. Manual Billing

Fbrly currently operates on manual, post-paid billing. Subscriptions are billed on an anniversary cycle (monthly from your activation date). We issue a billing invoice through the platform; you pay by bank transfer to the account details shown on the invoice and upload a payment proof (such as a transfer screenshot or PDF receipt). Our team verifies the payment and applies it to your account.

b. No Card Storage

We do not store credit or debit card numbers, CVVs, or online-banking credentials. If we introduce an online payment method in the future, it will be processed by a regulated payment gateway under its own terms.

c. Activation

New paid subscriptions become active only after we verify your first payment. Free or demo plans activate immediately, subject to their feature limits.

d. Overage

If your plan includes overage and you exceed the included monthly invoice quota, additional invoices may be allowed and billed at the per-invoice overage rate shown on your plan. Overage charges are added to your next billing invoice. You may set a lower overage cap for your Business at any time; you may not raise it above the plan's maximum.

e. Grace Period & Limited Mode

If a billing invoice is not paid by its due date, your account enters a grace period (typically 7 days). You will continue to receive payment reminders during this period. If the invoice remains unpaid after the grace period ends, the Business is moved to limited mode: you can still sign in and view existing records, but you cannot create new invoices or upload to FBR until the outstanding balance is cleared.

f. Taxes & Currency

Prices are quoted in Pakistani Rupees (PKR) unless stated otherwise and are exclusive of any sales tax or withholding tax that may be applicable to you. You are responsible for any taxes applicable to your purchase of the Service.

g. Refunds

All fees are non-refundable except where required by applicable law or expressly agreed in writing. We do not pro-rate refunds for cancellations mid-billing-period.

h. Price Changes

We may change pricing on prospective notice. We will notify you at least 14 days before a price change takes effect on your account. You may cancel before the new price applies.

8. Your Data & Ownership

You retain all ownership and rights to the content you submit to Fbrly — including customers, suppliers, products, invoices, line items, logos, payment proofs, and any other materials ("Your Data"). You grant 41stack a worldwide, non-exclusive, royalty-free license to host, store, transmit, copy, display, and process Your Data solely as needed to operate, maintain, support, and improve the Service for you.

You represent and warrant that you have all rights necessary to submit Your Data to Fbrly and that doing so does not infringe the rights of any third party or violate applicable law. You are solely responsible for the accuracy, legality, and quality of Your Data.

We do not use Your Data to train any machine-learning model and we do not sell Your Data. See our Privacy Policy for full details.

9. FBR Integration & Credentials

Fbrly integrates with the Federal Board of Revenue's digital invoicing system. To use this integration, you provide your FBR authentication token and indicate whether you are using the Sandbox or Production environment. By doing so, you:

• Authorize Fbrly to use your token solely to perform actions you explicitly initiate (such as uploading an invoice or fetching reference data).
• Confirm that the token is yours or that you are authorized by the registered taxpayer to use it.
• Acknowledge that we encrypt your token at rest using authenticated symmetric encryption.

FBR systems are operated by a government authority and are outside our control. We do not guarantee FBR uptime, accuracy, response times, schema stability, or feature availability. You acknowledge that FBR may change its APIs, business rules, scenarios, sale types, or compliance requirements at any time, and that such changes may temporarily affect the Service.

You are solely responsible for the truthfulness and tax-correctness of every invoice you submit through Fbrly to FBR.

10. Acceptable Use

When using Fbrly, you agree not to:

• Issue false, misleading, or fraudulent invoices, or attempt to evade tax.
• Upload, transmit, or store malware, viruses, or harmful code.
• Attempt to gain unauthorized access to other businesses' workspaces or to our systems.
• Interfere with, disrupt, or place an unreasonable load on the Service or its infrastructure.
• Use the Service to harass, threaten, defame, or harm any person.
• Share your account credentials with anyone outside your authorized team.
• Use the Service in any way that violates Pakistani law or the laws of any jurisdiction applicable to you.

We may investigate suspected violations and take any action we consider appropriate, including warning, suspending, or terminating accounts and reporting unlawful activity to authorities.

11. Shareable Invoice Links

When you generate a public share link for an invoice, anyone with the link can view the invoice page. Treat share links as sensitive and only send them to the intended buyer. You are responsible for managing whom you share links with.

12. Service Availability & Support

We aim to keep Fbrly available and responsive but do not guarantee uninterrupted, error-free service. We may perform scheduled maintenance, deploy updates, or experience unplanned outages. Where reasonably possible we will give advance notice of planned downtime.

Standard support is available via email at [email protected] on a reasonable-effort basis. Paid plans may include enhanced support response targets, where stated.

13. Suspension & Termination

You may cancel your subscription at any time from inside your account. Cancellation takes effect at the end of your current billing period; you remain liable for any unpaid amounts already accrued (including overage).

We may suspend or terminate your access, with or without notice, if we reasonably believe that you have:

• Materially breached these Terms or our Privacy Policy.
• Failed to pay amounts when due, after expiry of the grace period.
• Used the Service to commit fraud, tax evasion, or any other unlawful act.
• Placed the Service, other users, or 41stack at material legal, security, or reputational risk.

On termination, your right to use the Service ends immediately. We will allow a reasonable transition period (typically up to 90 days) for you to export Your Data before it is deleted, except where retention is required by Pakistani tax law.

14. Intellectual Property

All right, title, and interest in and to Fbrly — including its software, source code, design, user interface, branding, logos, trademarks, documentation, and any improvements or derivative works — remain the exclusive property of 41stack and its licensors. These Terms do not grant you any right, title, or interest in the Service except for the limited license expressly set out in Section 5.

If you provide feedback, suggestions, or ideas about the Service, you grant 41stack a perpetual, irrevocable, worldwide, royalty-free license to use that feedback without obligation to you.

15. Third-Party Services

Fbrly relies on, links to, or interoperates with third-party services (including FBR, cloud hosting providers, DNS and CDN providers, email-delivery providers, and any future payment gateways). These services are governed by their own terms and privacy policies. We are not responsible for the availability, content, accuracy, or practices of any third-party service.

16. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE OR ITS SERVERS ARE FREE OF HARMFUL COMPONENTS.

Tax calculations performed by Fbrly are based on the rates, classifications, and rules you and FBR provide. You are responsible for reviewing every invoice before submitting it to FBR. Fbrly is a software tool only; it is not a tax advisor, accountant, lawyer, or registered tax practitioner, and nothing in the Service constitutes tax, legal, accounting, or financial advice.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL 41STACK, ITS OWNERS, EMPLOYEES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, GOODWILL, DATA, BUSINESS OPPORTUNITY, OR TAX PENALTIES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, FROM ALL CAUSES OF ACTION AND UNDER ALL THEORIES OF LIABILITY, WILL NOT EXCEED THE FEES YOU ACTUALLY PAID TO 41STACK FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR PKR 10,000, WHICHEVER IS GREATER.

18. Indemnification

You agree to defend, indemnify, and hold harmless 41stack and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with (a) Your Data, (b) your use of the Service, (c) your violation of these Terms, or (d) your violation of any applicable law or the rights of any third party.

19. No Tax or Legal Advice

Fbrly is a software product, not a tax, legal, financial, or accounting advisor. Nothing in the Service is a substitute for advice from a qualified tax practitioner, chartered accountant, or lawyer. You are solely responsible for understanding and complying with all applicable laws, including the Sales Tax Act 1990, the Income Tax Ordinance 2001, FBR notifications, and any provincial revenue authority rules.

20. Changes to the Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date above and, where appropriate, notify you by email or via an in-app notice before the change takes effect. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service.

21. Governing Law & Jurisdiction

These Terms are governed by the laws of the Islamic Republic of Pakistan, without regard to its conflict-of-laws provisions. The parties submit to the exclusive jurisdiction of the competent courts in Pakistan for any dispute arising out of or relating to these Terms or the Service.

22. Miscellaneous

• Entire agreement. These Terms and our Privacy Policy form the entire agreement between you and 41stack regarding the Service and supersede any prior agreements.
• Severability. If any provision is held invalid or unenforceable, the remainder remains in full force and effect.
• No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control (including FBR outages, internet outages, government action, fire, flood, or labour disputes).
• Headings. Section headings are for convenience only and do not affect interpretation.

23. Contact

For questions about these Terms, billing, or your account, contact 41stack at:

Email: [email protected]
Website: fbrly.41stack.com