Terms of Use
These Terms govern your access to and use of the public Billz website, product demonstrations, interactive models and early-access experience. They do not govern any live financial, payment, credit, treasury, digital-asset or other service that may later be provided under separate product-specific agreements.
1. Operator and scope
“Billz”, “we”, “us” and “our” refer to the operator of this website and the Billz brand. The legal entity operating Billz, its registered address and formal contact details must be stated in the website legal notice before broad commercial launch. These Terms apply only to the public website and related early-access interactions unless a separate written agreement expressly says otherwise.
2. Business use and eligibility
The Billz website is intended primarily for companies, founders, finance teams, treasury professionals and other business users. By using the website on behalf of an organisation, you represent that you are authorised to do so. Access to any future Billz product may be subject to separate eligibility, onboarding, know-your-customer or know-your-business checks, sanctions screening, jurisdictional restrictions and provider requirements.
3. Website content and product status
The website describes Billz’s treasury operating-system direction, including treasury visibility, AI-assisted analysis, payments, capital workflows and related infrastructure. Content may include prototypes, demonstrations, simulated workflows and capabilities that are live, early, working, incomplete, dependent on third parties, or part of future product direction. Website presentation is not evidence that every displayed capability is generally available.
4. No financial, investment, credit, legal, tax or accounting advice
Nothing on the website is financial, investment, credit, legal, tax, accounting or other professional advice. Nothing is an offer, solicitation, recommendation, promise to lend, commitment to extend credit, investment recommendation, fiduciary service or guarantee that a particular transaction, product, protocol, counterparty or strategy is suitable for you. Treasury and capital decisions remain your responsibility.
5. AI-assisted analysis and human review
Billz may demonstrate or provide AI-assisted analysis, recommendations, summaries or decision-support outputs. AI-generated outputs may be incomplete, inaccurate, delayed, based on imperfect inputs or unsuitable for a specific business. They should not be relied upon without appropriate human review, verification of source data and consideration of your company’s policies, liquidity requirements, legal obligations and risk appetite.
6. Illustrative models, yields, LTVs and projections
Any yield, gain, liquidity amount, loan-to-value ratio, treasury allocation, deployable-capital range, projection, scenario, forecast or modelled outcome shown on the website is illustrative unless expressly stated otherwise. Illustrations are not customer performance, contractual pricing, guaranteed availability or expected returns. Actual outcomes can differ materially and may involve loss of capital, reduced liquidity, additional fees, collateral calls or other adverse outcomes.
7. Early access
Submitting an early-access form only expresses interest in Billz. It does not create a customer, advisory, fiduciary, payment, lending, brokerage, custody, investment or other regulated relationship. Early access is not guaranteed. Billz may contact you to understand your requirements, assess product fit or eligibility, arrange a demonstration or discuss future access.
8. Third-party providers, rails and protocols
Billz may integrate with, rely on, link to or refer to third-party providers, payment rails, banks, lenders, custodians, data providers, blockchain networks, protocols or other infrastructure. Third-party products are governed by their own terms, risk controls, eligibility criteria and availability. Billz does not control third-party services and cannot guarantee their performance, security, continuity or regulatory status.
9. Digital assets, onchain activity and financing risk
Digital assets, DeFi, onchain transactions, collateralised borrowing and treasury financing can involve material risks, including market volatility, liquidity risk, smart-contract failure, oracle failure, protocol risk, counterparty risk, custody risk, liquidation risk, collateral shortfall, cyber incidents, operational failure, network congestion and regulatory change. Losses may be substantial or total. Any live functionality in these areas should be subject to additional product-specific disclosures and terms.
10. Information you submit
You are responsible for information you submit through the website and for ensuring you have the right to provide it. Do not submit passwords, private keys, seed phrases, payment-card data, highly sensitive personal data or confidential treasury information through public website forms unless Billz expressly provides a secure channel designed for that purpose.
11. Acceptable use
You must not misuse the website; attempt unauthorised access; interfere with security or availability; introduce malicious code; reverse engineer protected functionality except where legally permitted; scrape or extract content at unreasonable scale; impersonate another person or organisation; misrepresent Billz scenarios as guaranteed results; or use the website in violation of applicable law, sanctions, export-control requirements or third-party rights.
12. Intellectual property
Unless stated otherwise, the Billz name, branding, website, interface designs, copy, graphics, product concepts, demonstrations and other materials are owned by or licensed to Billz. These Terms give you a limited, non-exclusive and revocable right to access the website for legitimate evaluation and business-information purposes. No ownership rights are transferred to you.
13. External links and social networks
The website may link to external websites and social networks, including LinkedIn or X. Those services are operated independently and are subject to their own terms and privacy practices. Billz is not responsible for external content, availability, security or data practices.
14. Availability, changes and roadmap statements
Billz may change, suspend or discontinue website content or functionality at any time. The website may contain errors, incomplete information or temporary interruptions. Statements about future products, features, integrations, partners, pricing, timelines or regulatory availability reflect current intentions only and are not binding commitments unless included in a signed agreement.
15. Disclaimers
To the maximum extent permitted by applicable law, the website is provided on an “as is” and “as available” basis. Billz does not warrant that the website will be uninterrupted, secure, error-free, complete or suitable for any particular treasury decision. Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.
16. Limitation of liability
To the maximum extent permitted by applicable law, Billz will not be liable for indirect, incidental, special, exemplary or consequential losses arising solely from use of, inability to use, or reliance on this informational website, including loss of profit, revenue, opportunity, data or anticipated savings. Nothing in these Terms limits liability where doing so would be unlawful, including liability for fraud or other liability that cannot legally be excluded.
17. Privacy and cookies
Personal information collected through the website is handled as described in the Billz Privacy Policy. Where non-essential cookies, analytics or similar technologies require consent, Billz should obtain that consent before those technologies are activated.
18. Separate product agreements
If Billz later provides you with a live product or service, separate agreements may govern that relationship. If there is a conflict between these website Terms and a signed product-specific agreement, the product-specific agreement will control for the relevant product or service.
19. Changes to these Terms
Billz may update these Terms as the website, product, providers or applicable requirements evolve. The “Last updated” date identifies the current version. Material changes should be communicated where required by law.
20. Contact and legal details
Questions about these Terms should be sent using the official contact details published by Billz. Before broad commercial publication, Billz should insert the full legal name of the operating entity, registered address, company-registration details where applicable, legal contact address and the governing-law / dispute-resolution provisions confirmed by counsel.