Legal

Terms of Use

Effective date: November 12, 2026

These Terms of Use (“Terms”) are an agreement between you and Scandinavia consulting LLC, a Wyoming limited liability company (“Scandinavia Consulting LLC,” “we,” “us,” or “our”), for your use of the Fjordbill mobile application for Android and iOS (the “App”) and the website at https://fjordbill.com (the “Site”).

By downloading, installing, or using the App or Site, you agree to these Terms. If you do not agree, do not use the App or Site.

Our Privacy Policy, available at https://fjordbill.com/privacy, describes how information is handled. It is part of how we operate the service; it does not replace these Terms.

1. Who we are

Scandinavia consulting LLC
30 N Gould St
Sheridan, WY 82801
USA

Email: [email protected]
Website: https://fjordbill.com

2. The service

Fjordbill is a tool that helps you create, manage, and share invoices and estimates on your device. The App is offline-first: your documents are stored locally on your device, you do not create a Fjordbill account, and we do not host a Fjordbill cloud sync service for your invoice data.

The App may also include related features such as client records, reports, CSV import and export, a job timer, local payment reminders, optional app lock, backup and restore, on-device signatures, and a “pay now” link or QR code that uses a payment URL you provide.

We may update, add, or remove features. Some features are available only with a Fjordbill Pro subscription, as shown in the App.

3. Eligibility

The App is intended for business use by adults. You must be at least 13 years old, and you must be able to form a binding contract. If you use Fjordbill for a company, you represent that you have authority to bind that company to these Terms.

4. Your license to use the App

Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, for your own business invoicing, in accordance with the App’s documentation and any applicable store rules.

You may not:

Copy, modify, or create derivative works of the App, except as allowed by law
Reverse engineer, decompile, or attempt to extract source code, except to the extent this restriction is prohibited by law
Rent, lease, sell, sublicense, or redistribute the App
Bypass, interfere with, or disable security, app-lock, or subscription checks
Use the App for unlawful, fraudulent, or harmful purposes
Use the App to infringe others’ rights, or to send spam or malware
Misrepresent the App or your relationship with us

The App is licensed, not sold, to you. Apple, Google, and their affiliates may be third-party beneficiaries of these Terms to the extent required by their store rules, and may enforce the store-related provisions.

5. Your content and responsibilities

You own the content you enter or generate in the App (“Your Content”), including your business details, client information, invoices, estimates, signatures, receipts, and payment links.

You are solely responsible for:

The accuracy and completeness of Your Content
Having the right to collect, store, and share client and business information you put in the App
How and with whom you share PDFs, CSVs, backups, reminders, or other files
Your invoices, collections, taxes, bookkeeping, and legal or regulatory obligations
Access to your device, your PIN or backup passphrase, and any copies you export

Fjordbill is a software tool. It is not a law firm, accountant, tax advisor, bank, money transmitter, or payment processor. Documents the App generates are provided for your convenience. You should review them before you send them, and obtain professional advice where you need it.

If a client signs a document on your device, that signature is captured and stored on the device and included in PDFs you generate. We are not a party to your contracts and do not witness or guarantee signatures.

6. Free use and Fjordbill Pro

6.1 Free features

You may use the App without a paid subscription. The free tier includes unlimited invoices and estimates, with a “Made with Fjordbill” footer on documents, and the other free features described in the App. We may change Pro-only features from time to time, but we intend that features already offered for free will remain available in the free tier.

6.2 Subscriptions

Fjordbill Pro is offered as auto-renewing in-app subscriptions purchased through the Apple App Store or Google Play, not from us directly:

Plan	Product ID	Standard U.S. price
Fjordbill Pro Monthly	`fjordbill_pro_monthly`	$7.99 per month
Fjordbill Pro Yearly	`fjordbill_pro_yearly`	$49.99 per year

The price you pay is the price shown in the App Store or Google Play at the time of purchase, which may be converted to local currency and may include applicable tax. There is no lifetime purchase option.

6.3 Free trial

A 7-day free trial is offered for the monthly and yearly plans, as shown in the App at the time you subscribe. If a trial is available, it begins when you confirm the subscription in the store. Unless you cancel at least 24 hours before the trial ends, the subscription converts to a paid subscription for the plan you chose and the then-current price is charged to your store account. Store rules may limit eligibility for a free trial (for example, one trial per Apple ID or Google account).

6.4 Auto-renewal, billing, and cancellation

Payment is charged to your Apple ID or Google account when you confirm the purchase, or at the end of a free trial if you have not cancelled.
Subscriptions renew automatically for the same period (monthly or yearly) unless you cancel at least 24 hours before the end of the current trial or paid period.
Your account will be charged for renewal within 24 hours before the end of the current period, at the then-current price shown by the store.
You can manage or cancel the subscription at any time in your App Store or Google Play account settings. Deleting the App does not by itself cancel a subscription.
You can restore a purchase you already paid for by using Restore purchases in the App, on a device signed in with the same store account.
Refunds are handled by Apple or Google under their refund policies, not by us directly. You may also contact us at [email protected] and we will point you to the right store process where we can.

6.5 Changes to price or offering

We may change subscription prices or packages for future periods as allowed by Apple and Google rules. If a change requires notice or consent, it will be provided through the applicable store or the App.

7. Getting paid by your clients

If you add a payment link, the App can print that link and a QR code on documents you create. That link is yours. Payments your clients make go through the third-party service you chose (for example Venmo, PayPal, Stripe, or Zelle), under that service’s terms. We do not process those payments, hold those funds, or complete those transactions, and we are not responsible for declined payments, chargebacks, payout timing, or that provider’s fees or outages.

You must not use payment links on invoices to sell Fjordbill itself, digital App features, or anything else that Apple or Google require to be sold as an in-app purchase. Pro features must be purchased in the App.

8. Backups, devices, and loss of data

Your data is stored on your device. We do not have a copy of your invoice database. You are responsible for making backups if you want a spare copy. Backup files contain your business and client information; protect them, and use a passphrase for encrypted Pro backups.

If you lose, reset, or uninstall the App without a backup, your data on that device may be unrecoverable. We are not responsible for loss of data resulting from device failure, theft, user error, a failed restore, a forgotten passphrase, or similar events.

9. Third-party services and other apps

The App may interact with Apple, Google, your email or messaging apps, cloud storage you choose, printers, payment-link providers you configure, and optional export to other software (including SovereignLedger, if you use it). Those services are not controlled by us (except to the extent we also publish SovereignLedger as a separate product, which has its own terms). Your use of them is subject to their terms and privacy policies.

10. Intellectual property

We and our licensors own the App, the Site, the Fjordbill name and marks, and our templates, design, and documentation. These Terms do not transfer any ownership to you, other than your ownership of Your Content.

Fonts bundled in the App (including Inter and Plus Jakarta Sans) are licensed under their respective open-font licenses.

You may not use our name, logo, or branding in a way that suggests we endorse you or your invoices, except for the ordinary “Made with Fjordbill” footer the App may place on free-tier documents.

11. The Site

The Site is provided for information about Fjordbill and to make these Terms and the Privacy Policy available. It may change without notice. It does not create a professional-advice relationship.

12. Disclaimer of warranties

THE APP AND SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT CALCULATIONS, TAX AMOUNTS, PDFS, OR REMINDERS WILL BE ACCURATE OR SUITABLE FOR YOUR SITUATION.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS. IN THOSE JURISDICTIONS, THE DISCLAIMER APPLIES TO THE FULLEST EXTENT PERMITTED.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCANDINAVIA CONSULTING LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE APP OR SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE APP OR SITE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR FJORDBILL PRO IN THE TWELVE MONTHS BEFORE THE CLAIM (EXCLUDING AMOUNTS RETAINED BY APPLE OR GOOGLE AS STORE COMMISSIONS) AND (B) TWENTY-FIVE U.S. DOLLARS (US $25).

THESE LIMITATIONS APPLY TO ANY THEORY OF LIABILITY, INCLUDING CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR STATUTE, AND THEY SURVIVE TERMINATION OF THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS. IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.

14. Indemnity

You will defend, indemnify, and hold harmless Scandinavia consulting LLC and its members, managers, employees, and agents from and against claims, damages, losses, and reasonable expenses (including reasonable attorneys’ fees) arising out of Your Content, your invoices or client relationships, your use of the App or Site, or your violation of these Terms or applicable law.

15. Termination

You may stop using the App at any time and may uninstall it. To stop charges, you must also cancel a Pro subscription with Apple or Google as described in Section 6.

We may suspend or stop providing the App or Site, or terminate these Terms, if you materially breach them, if we are required to do so by law or a store, or if we discontinue the product. If we discontinue Fjordbill, we will provide reasonable notice when practicable. Your local data remains on your device subject to the App’s ordinary storage; we recommend exporting a backup.

Sections that by their nature should survive (including 5, 8–10, and 12–17) will survive termination.

16. Governing law and disputes

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-law rules. Exclusive venue for any dispute arising out of or relating to these Terms, the App, or the Site is the state or federal courts located in Wyoming, and you and we consent to personal jurisdiction there, except that we may seek injunctive relief in any court of competent jurisdiction.

If you are a consumer entitled to the mandatory protection of laws in another jurisdiction, those protections still apply to the extent they cannot be waived.

If a dispute proceeds in court, each party waives any right to a jury trial to the extent that waiver is permitted by law.

17. Changes to these Terms

We may update these Terms from time to time. We will post the revised Terms on the Site and update the effective date. If you continue to use the App or Site after the revised Terms become effective, you accept the changes, except where applicable law requires additional notice or consent. If you do not agree, stop using the App and Site and cancel any subscription.

18. General

These Terms are the entire agreement between you and us about the App and Site, and they supersede prior agreements on that subject. If a provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a reorganization or sale of our business. There are no third-party beneficiaries except as stated for Apple and Google in Section 4.

If you obtained the App from the Apple App Store, you and we acknowledge that these Terms are between you and us, not Apple, and that Apple is not responsible for the App or its content. In the event of a failure of the App to conform to any applicable warranty, you may notify Apple, Apple may refund the purchase price for the App (if any) to the extent required by its terms, and Apple will have no other warranty obligation with respect to the App. Apple is not responsible for addressing any claims by you or a third party relating to the App, including product-liability claims, legal or regulatory claims, or consumer-protection claims, or for investigating, defending, settling, or discharging any claim that the App infringes a third party’s intellectual property. Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, Apple will have the right to enforce these Terms against you as a third-party beneficiary.

19. Contact

Scandinavia consulting LLC
30 N Gould St
Sheridan, WY 82801
USA

[email protected]