Terms of Use

Please read these Terms carefully before creating an account, selecting a plan, accessing any beta, pilot, preview or early-access offering, or using BravoLisa.

By accessing or using BravoLisa, you agree to these Terms.

1. Service, contract, eligibility and acceptance

1.1 Service

BravoLisa is an AI-assisted software service designed to help self-employed professionals in Luxembourg manage their business administration.

The purpose of BravoLisa is to support users in organising, processing and understanding business-related information, including income, expenses, receipts, invoices, client and supplier information, financial records, VAT-related information and other data relevant to bookkeeping, business administration and tax preparation.

BravoLisa may provide features such as:

• tracking income and expenses;
• uploading, storing and organising receipts, invoices, bank statements and other business records;
• issuing and managing invoices;
• extracting and structuring information from uploaded documents;
• categorising expenses and transactions;
• generating summaries, insights, forecasts and financial overviews;
• preparing or pre-filling tax-related information, forms or supporting documents;
• supporting VAT tracking and VAT return preparation, where applicable;
• exporting records and reports;
• providing AI-assisted explanations, suggestions and administrative support through Lisa, the AI assistant inside BravoLisa.

BravoLisa is intended to be used only for lawful professional or business purposes connected with the user’s professional or business activity.

1.2 Contracting party

Your contracting party is the person or the legal entity operating BravoLisa, as identified in the About Us section of our website or application. The operator may be a natural person acting in a professional capacity or a company.

The About Us section forms part of these Terms and identifies who is responsible for providing BravoLisa to you, including the operator’s name, legal form where applicable, registered or business address, registration and VAT details where they exist, and contact information. It also lists the websites and domain names operated by BravoLisa and the countries they serve. We may add websites or countries to that list over time. Features and services may differ between websites and countries, and some websites may offer only limited functionality.

In these Terms, “BravoLisa”, “we”, “us” or “our” means that contracting party.

If the operator of BravoLisa changes — for example if the activity is transferred from a natural person to a company — clause 8.6 applies.

1.3 Professional use only

BravoLisa is intended for professional users, in particular self-employed professionals in Luxembourg.

By creating an account or using BravoLisa, you confirm that you use the service for professional or business purposes and not as a consumer.

1.4 Eligibility

To use BravoLisa, you must:

• have legal capacity to enter into a binding agreement;
• be at least 18 years old;
• use BravoLisa for lawful professional or business purposes;
• provide accurate, complete and up-to-date information if requested by BravoLisa;
• accept these Terms and all other agreements, policies or notices required for the relevant service or plan.

If you use BravoLisa on behalf of another person, you confirm that you have authority to accept these Terms on their behalf.

1.5 Required agreements and notices

Your use of BravoLisa may be subject to additional terms, policies or notices for example:

• the Privacy Policy;
• the Cookie Notice;
• the AI Use Notice;
• the Data Processing Terms, which form part of these Terms and are accepted together with them;
• the Plans page;
• the engagement letter for human accountant and/or tax services, where applicable;
• any order form, subscription confirmation or other document accepted by you in connection with a specific plan or service.

These documents form part of the contractual framework between you and BravoLisa where they apply to the service you use.

If you do not accept a required document, you may not be able to use the relevant service, feature or plan.

1.6 Additional checks and information

For certain services, especially the Care plan and any human accountant and/or tax service, we or the relevant professional accountant may request additional documents, information, explanations or confirmations.

We are not obliged to enter into or continue any agreement (meaning that we may terminate the agreements), engagement letter or service arrangement if:

• you do not provide the requested information;
• the information is incomplete, inaccurate or inconsistent;
• you do not pass AML, sanctions, professional or risk checks;
• the professional accountant cannot accept or continue the engagement;
• entering into or continuing the service would create legal, regulatory, professional, security, operational or reputational risk.

2. BravoLisa service and plans

2.1 What BravoLisa is

BravoLisa is an AI-assisted bookkeeping and business administration tool designed primarily for self-employed professionals in Luxembourg. We may also operate websites for other countries, which may offer a more limited set of features or services. The websites and countries currently operated by BravoLisa are listed in the About Us section.

BravoLisa helps users organise business-related information, including expenses, invoices, receipts, financial tracking, bookkeeping data, tax-related information and business insights.

BravoLisa is a software service. Except where expressly agreed under a separate human accountant or tax engagement, BravoLisa does not provide tax, legal or accounting advice and does not replace your own review, judgement or professional advice.

2.2 Plans

BravoLisa may offer different plans, including Free, Smart and Care. The plans currently available to you are described on the Plans page or inside the app for the relevant website or country. Not every plan or feature is available on every website or in every country.

The current features, limits, prices, billing periods and commercial conditions of each plan are described on the Plans page or inside the app for the relevant website or country.

The Plans page forms part of these Terms.

We do not include plan prices directly in these Terms because prices, features and commercial conditions may change over time.

The Free, Smart and Care plans are designed and priced primarily for individual self-employed professionals. Unless the Plans page states otherwise, use of those plans by or for a company or other legal entity does not expand their scope or functionality.

The functionality currently available for companies or other legal entities is limited and is not designed to provide complete accounting or business-administration functionality for such entities. If you choose to use BravoLisa for or on behalf of a company or other legal entity, you remain responsible for determining whether the available functionality is suitable for your needs. We may later introduce one or more plans specifically designed for companies or other legal entities. Their features, limits, eligibility requirements and prices may differ from those of Free, Smart and Care.

2.3 Changes to plans and features

We may update our plans, features, limits, prices, user interface and functionality from time to time.

Where a price change affects an existing paid subscription, we will notify you in advance in accordance with these Terms.

If a change materially reduces the core features or services included in your paid plan during a minimum commitment period, we will notify you in advance. If you do not accept the change, you may terminate the affected plan before the change takes effect without paying fees for the remainder of the minimum commitment period.

2.4 Free plan

The Free plan allows you to use limited BravoLisa features without paying a subscription fee.

The Free plan may include limits on invoices, expenses, uploads, storage, exports, analytics, AI-assisted features or other functionality.

Current Free plan limits are described on the Plans page or inside the app.

We may change Free plan limits from time to time to keep the service sustainable.

2.5 Smart plan

The Smart plan is a paid subscription plan that gives access to additional software and AI-assisted features described on the Plans page.

The Smart plan may be billed monthly or paid annually in advance, as described on the Plans page or in the order flow. Regardless of the billing option selected, it is subject to a minimum commitment of 1 month, starting from the date of the payment (the latest monthly payment or an annual payment).

Depending on the selected VAT regime and available features, Smart may include tools such as income and expense tracking, invoice management, AI-assisted insights, tax forecasts, pre-filled tax-related forms, VAT tracking, VAT return preparation and additional exports. Form 100 is not included in the Smart plan.

On Smart, BravoLisa may help prepare information and draft documents, but you remain responsible for reviewing, validating and submitting any forms, declarations, invoices or other documents.

BravoLisa does not submit tax declarations, VAT returns or other filings to Luxembourg public authorities on your behalf under the Smart plan.

2.6 Care plan and human accountant services

The Care plan includes Smart plan functionality and access to additional human accountant and/or tax services, as described on the Plans page.

The human accountant and tax services may be provided by BravoLisa itself, where it holds the required business permit, by one or more individual professional accountants selected by BravoLisa, or by both. The Care user enters into a separate engagement letter with a service provider for the relevant accounting and/or tax services that provider will deliver.

The Care price is split into two components:

• the Smart plan tariff, which covers the software and AI-assisted services described under the Smart plan; and
• the remaining part, which covers the human accountant and/or tax services governed by the applicable engagement letter.

The Care price can be billed monthly or paid annually in advance. The Care plan is subject to a minimum commitment of 12 months, starting on the date the first Care payment is successfully made after completion of onboarding and acceptance of the applicable engagement letter.

Subject to your timely completion of onboarding, acceptance of the applicable engagement letter, and timely provision of complete and accurate information and supporting documents, Care covers the preparation and, where applicable, filing of:

• the VAT returns applicable to your activity, including monthly, quarterly and annual VAT returns, as required;
• for commercial activities, the relevant income-tax forms and supporting schedules, including Forms 110, 112 and 113;
• for liberal professions, the relevant income-tax forms and supporting schedules, including Forms 152 and 113; and
• Form 100 in the standard cases described below.

References to specific form numbers include any replacement or successor forms introduced by the relevant Luxembourg authorities. The precise declarations, tax periods and filing obligations covered by Care are confirmed in the applicable engagement letter.

Under Care, Form 100 is included where the professional accountant confirms during onboarding that the user’s household tax situation is a standard case. A standard case generally means:

• a single taxpayer; or
• a married taxpayer or taxpayer in a registered partnership whose spouse or partner does not work or has income from only one employment;

and, in either case, the household has no rental income, foreign-source income or income from investments or financial instruments and, where applicable, the user’s spouse or partner is not self-employed.

If the user’s circumstances fall outside this standard scope, preparation and filing of Form 100 may still be offered, subject to a separate assessment and any additional fees or conditions specified in the engagement letter.

Any other preparation, filing, bookkeeping or supporting work relating to tax years or filing periods before the Care plan began is not included unless expressly agreed in the engagement letter and may be subject to separate fees or conditions.

The Care plan and any human accountant or tax services begin only after onboarding and acceptance of the applicable engagement letter by the relevant provider or providers. We or the relevant professional accountant may request additional documents, information or confirmations before accepting or continuing the engagement.

If you choose to terminate Care before the end of the 12-month minimum commitment, termination may be accepted. Subject to clause 8.5 and applicable law, you remain responsible for payment of the Care fees due for the remainder of that 12-month period. Where clause 8.5 applies, its rules determine the fees payable and any refund.

If the engagement letter or the human services component is terminated or cannot continue, the applicable payment, refund, plan-change and other consequences are set out in clause 8.5 and, where applicable, in the engagement letter.

2.7 Beta, pilot and early-access offerings

From time to time, we may designate particular features, services or plans as beta, pilot, preview, experimental or early-access offerings. A beta or similar designation applies only to the offering expressly identified as such and does not mean that BravoLisa as a whole is in beta.

Such offerings may be made available automatically to some or all eligible users, offered by invitation or made available for optional activation. They may have limited functionality, contain errors, be unavailable from time to time, or be changed, suspended or withdrawn at short notice as they are tested and developed.

Unless we expressly state otherwise, a beta, pilot, preview, experimental or early-access offering is provided for testing and evaluation and is not treated as a core feature of a paid plan. Its change, suspension or withdrawal therefore does not constitute a material reduction of core features under clause 2.3.

If such an offering becomes subject to a new or additional fee, or is converted into a separate paid plan, we will inform you in advance and will not charge the new or additional fee unless you accept it.

3. AI-assisted features and tax-related outputs

3.1 Lisa and AI-assisted features

BravoLisa may include AI-assisted features provided through “Lisa”, the AI assistant inside BravoLisa.

Lisa may help with tasks such as extracting and structuring information from uploaded documents, categorising expenses and transactions, generating or suggesting invoice content, preparing summaries, calculations, financial overviews or insights, and helping organise information relevant for bookkeeping and tax preparation.

BravoLisa may develop, add, change or remove AI-assisted or other features from time to time. The features available under each plan are described on the Plans page or inside the app.

3.2 AI outputs must be reviewed

AI-generated outputs may contain mistakes, omissions, outdated information or incorrect assumptions.

You must carefully review all AI-generated outputs before using them, especially where they relate to invoices, billing information, expense categorisation, financial summaries, calculations, tax-relevant information, legal, accounting or regulatory matters, or information shared with clients, suppliers, accountants or public authorities.

You remain responsible for any information that you approve, send, submit, file or rely on.

3.3 No professional advice through AI

AI-generated outputs are provided for informational and organisational purposes only.

They are not tax, legal or accounting advice and should not be relied upon as a substitute for professional advice.

Your use of AI features is also subject to our AI Use Notice, which forms part of these Terms.

3.4 No filing by BravoLisa unless separately agreed

BravoLisa may help you organise financial data and prepare information that may be useful for bookkeeping and tax preparation.

However, BravoLisa does not submit tax declarations, VAT returns or other filings to Luxembourg public authorities on your behalf, unless this is explicitly offered as part of a separate human accountant or tax service and agreed with you.

On Free and Smart, you review and submit.

On Care, the scope of any review, signature or submission by the professional accountant is defined by the Plans page and the separate engagement letter.

4. Human accountant and tax services

4.1 Separate engagement

Any human accountant or tax services available through BravoLisa are separate professional services. BravoLisa may provide them itself where it holds the required business permit, may select one or more individual professional accountants to provide them, or may use both arrangements.

A Care user enters into a separate engagement letter with BravoLisa and/or the relevant professional accountant or accountants, as applicable. Each engagement letter covers the services provided by its party. Once an engagement letter with a professional accountant is signed, that accountant will not be replaced without informing the user and coordinating the change with them.

By entering into a Care engagement letter with a professional accountant, you authorise BravoLisa to give that accountant access to your Workspace to the extent necessary to provide the agreed services.

These services are not automatically included in the use of BravoLisa, Free or Smart. They are included in Care only to the extent described on the Plans page and agreed in the separate engagement letter.

4.2 Relationship with these Terms

The scope, conditions, professional responsibility, documents covered, submission rules, professional fees outside the Care plan, cooperation duties, termination of the professional engagement and other terms of the human accountant or tax services are set out in the relevant engagement letter.

These Terms govern the BravoLisa software and the Care subscription, including subscription fees, billing, renewal, cancellation and the plan-level payment and refund consequences set out in clauses 5.4, 5.5 and 8.5. The engagement letter governs the professional services provided by its party and may set additional refund rules for those services under clause 5.4. If there is any inconsistency, the engagement letter prevails only in relation to the professional services themselves; these Terms prevail in relation to the software and subscription matters.

4.3 Your cooperation

You must provide accurate, complete and timely information, documents and explanations requested for the human accountant or tax services.

If you do not provide the requested information, or if the information is incomplete, inaccurate or inconsistent, the professional accountant may refuse to review, sign, submit or continue the relevant work.

4.4 No extension of responsibility

Unless expressly agreed in the engagement letter, the professional accountant’s review or responsibility does not extend to:

• information not provided by you;
• AI-generated outputs not reviewed and approved by the professional accountant;
• documents or filings outside the agreed scope;
• your full household tax situation or private tax matters outside your self-employed activity.

5. Fees, beta and early access, cancellation and refunds

5.1 Fees

Fees for paid plans are described on the Plans page, inside the app, in the order flow or in the relevant engagement letter. The VAT treatment of our fees, including whether prices are displayed with or without VAT, is set out on the Plans page and at checkout.

You agree to pay the fees applicable to the plan or service you select.

We may use third-party payment providers to process payments.

5.2 Beta, pilot and early access

We may make particular features, services or plans available on a beta, pilot, preview, experimental or early-access basis, as described in clause 2.7.

Such an offering may be provided free of charge or for a fee and may be made available automatically to eligible users, offered by invitation or made available for optional activation.

The applicable availability, eligibility requirements, functionality, usage limits, fees and any additional conditions will be communicated on the Plans page, inside the app, in the relevant order flow or through another appropriate notice. Any new or additional fee applies only if you accept it.

5.3 Billing

Billing periods, renewal conditions and payment methods are described on the Plans page, inside the app or in the order flow.

A paid subscription automatically renews at the end of its then-current renewal period unless you cancel it under clause 5.5. Smart renews for successive one-month or 12-month billing periods, depending on whether it is billed monthly or paid annually in advance. A Smart plan paid annually remains subject to the one-month minimum commitment and cancellation and refund terms in clauses 5.4 and 5.5. Care renews for successive 12-month minimum commitment periods, with fees continuing to be billed monthly or paid annually in advance, according to the billing option selected for the preceding period. Renewals are subject to any price change notified under clause 5.6.

For Care, billing conditions may also be described in the engagement letter.

Because Care includes both software services and human services, the Care price is split between:

• the Smart plan tariff for the software and AI-assisted services; and
• the remaining part for the professional accountant services governed by the engagement letter.

5.4 Refunds

For the first paid Smart subscription period, we offer a 14-day satisfaction refund, unless the Plans page states more favourable conditions. This 14-day period starts from the date of your first Smart plan payment.

After the 14-day period, monthly Smart subscription payments are non-refundable, unless required by applicable law or expressly agreed otherwise.

If you paid for Smart annually in advance, you may cancel under clause 5.5. After the 14-day period, any refund will be calculated by deducting from the annual fee paid the standard monthly Smart fee applicable to you when the relevant annual subscription period began, multiplied by the number of monthly service periods used up to the effective cancellation date. For this calculation, the first monthly service period starts on the date the annual subscription period begins. Each following monthly service period starts on the corresponding monthly anniversary; if a month has no corresponding date, the anniversary falls on the last day of that month. Each monthly service period ends immediately before the next monthly anniversary. The monthly service periods completed by the effective cancellation date count as used. Any remaining balance will be refunded. The refund will not be less than zero, and you will not be charged any amount if the calculation results in a negative balance.

For Care, we offer a 14-day satisfaction refund, provided that the professional accountant has not yet begun any professional work or made a filing on your behalf. The 14-day period runs from the date of your first Care payment. A refund under this clause ends your Care subscription and releases you from the minimum commitment described in clause 2.6.

Additional refund rules for the human accountant or tax services may be set out in the engagement letter.

If you receive a refund under the 14-day satisfaction refund described in this clause, the relevant paid subscription ends when the refund is approved, and your account is moved to the Free plan from that date, unless you choose to close your account. If a refund is due following cancellation under clause 5.5 or termination under clause 8.5, the subscription ends on the effective date specified in the applicable clause, and your account is moved to the Free plan, or another available plan you select, from that date. Any other refund required by applicable law will be processed as required by that law.

5.5 Cancellation by you

You may cancel your subscription through your account settings or by contacting us, unless a separate engagement letter provides otherwise.

Cancellation of Smart billed monthly takes effect at the end of the current billing period. If you paid for Smart annually in advance, you may cancel after the one-month minimum commitment. Cancellation takes effect at the end of the current monthly service period. Any refund due for the annual subscription is calculated under clause 5.4, and your account moves to the Free plan or another available plan you select from the effective cancellation date.

Cancellation of Care may be subject to additional conditions in the engagement letter, including the 12-month minimum commitment, work already performed, documents already reviewed or signed, and professional obligations of the professional accountant.

Subject to clause 8.5, cancelling Care before the end of the minimum commitment described in clause 2.6 does not release you from the fees due for that commitment, except where you cancel because you do not accept a material reduction under clause 2.3, a price change under clause 5.6, an assignment under clause 8.6 or an update to these Terms under clause 9.9, or where a refund applies under clause 5.4.

After cancellation, your access may be downgraded, restricted or terminated depending on your plan and these Terms.

5.6 Price changes

We may change our prices from time to time.

If a price change affects an existing paid subscription, we will give you at least 30 days’ advance notice by email or inside the app before the change applies.

If you do not agree to the price change, you may cancel your subscription before the change takes effect.

Your continued use of the paid plan after the effective date of the price change means that you accept the new price.

5.7 Plan changes

Upgrades within Smart take effect immediately and are charged pro rata for the remainder of the current billing period.

If you upgrade from Smart to Care, the unused part of your Smart subscription is credited pro rata. Your 12-month minimum Care commitment begins on the date the first Care payment is successfully made, and the Care price is billed monthly or paid annually in advance, as selected in the applicable order flow and described in clause 2.6.

For the purposes of any pro rata calculation under this clause, one month is treated as a period of 30 consecutive days, rather than a calendar month.

Downgrades take effect at the end of the current billing period. Cancellation or downgrade may result in loss of access to plan-specific features, analytics and export formats, as described in section 6.7.

6. Data, privacy, retention and export

6.1 Your data

Your data remains yours.

We do not claim ownership over the business records, documents, invoices, receipts, accounting data or other content you upload or create in BravoLisa.

You grant us the right to host, process, structure, display, copy, back up and otherwise use your data as necessary to provide, secure and support BravoLisa, including AI-assisted features, customer support, billing, compliance and legal defence. We may use aggregated or irreversibly anonymised service information to improve BravoLisa. We use identifiable or pseudonymised user or third-party data for product-improvement purposes only where you have separately opted in.

6.2 Privacy

Our processing of personal data is described in our Privacy Policy.

By using BravoLisa, you acknowledge that we process personal data as described in the Privacy Policy, including data related to your account, use of the service, uploaded documents, invoices, expenses, clients, suppliers, support requests, payments and AI-assisted features.

6.3 Data processing terms

Where you use BravoLisa to process personal data of your clients, suppliers, invoice recipients or other third parties, the Data Processing Terms apply.

The Data Processing Terms are incorporated into these Terms and are accepted electronically when you accept these Terms during registration. They govern our processing of that third-party data on your behalf.

You are responsible for ensuring that you have a lawful basis and the necessary notices for any third-party personal data you upload or process through BravoLisa.

6.4 Hosting and service providers

We host and process data using service providers, including hosting, analytics, payment, AI, support, security and infrastructure providers.

Where required, we enter into appropriate data processing terms with our service providers.

Information about where your data is hosted, about any access to or transfer of data outside the European Economic Area, and about the safeguards that apply to such access or transfer, is set out in our Privacy Policy.

6.5 Retention and deletion

We retain your business records and third-party data for as long as necessary to provide BravoLisa and then follow the deletion or return process in the Privacy Policy and/or Data Processing Terms. You remain responsible for maintaining original documents and records, and for meeting any retention obligation that applies to your business.

After account closure or a valid deletion instruction, business records and third-party data are normally removed from active systems within 30 days and from protected backups within 90 days. A future paid archiving service may offer a different retention arrangement on separately stated terms.

BravoLisa may retain only the limited records it needs for its own accounting, security, legal compliance or the establishment, exercise or defence of legal claims, such as its own invoices and payment records, essential account identifiers, security logs, deletion-request records and relevant correspondence.

If you cancel a paid plan or downgrade, the applicable plan change may affect access to paid features. It does not itself create a right for BravoLisa to keep your full business records beyond the deletion or return process described above.

No long-term archiving service is currently included in the standard plans. We may introduce a paid archiving option later; its scope, retention period, access conditions and price will be described separately before it is offered.

Where a separate human accountant or tax engagement applies, the engagement letter and applicable professional obligations govern the retention of records created or held for that engagement.

Detailed information about retention and deletion is provided in the Privacy Policy and, for third-party data, the Data Processing Terms.

Deletion of an account may not be immediate while we verify the request or where limited BravoLisa records must lawfully be retained. We do not use retained records for unrelated purposes.

You may ask us about deletion by contacting privacy [at] bravolisa [dot] lu.

The data-subject rights described in the Privacy Policy are not limited by the availability of a particular plan feature.

6.6 Export

If you need access to your data or wish to request deletion, please contact privacy [at] bravolisa [dot] lu. This does not limit any rights available to you under applicable data-protection or other laws.

We will handle your request in accordance with applicable law and, where no specific statutory period applies, within a reasonable period, taking into account technical feasibility and security.

6.7 Paid archiving

We may offer a paid archiving option to preserve access to your records, historical reports or other data after cancellation, downgrade, termination or end of activity.

The features, limits and price of any paid archiving option will be described on the Plans page, inside the app or in a separate offer.

Where you purchase paid archiving before the end of the backup retention period described in clause 6.5, the terms of the archiving option apply to the archived records instead of that preservation period.

Unless you choose paid archiving, cancellation or downgrade may result in loss of access to certain paid features, analytics, formatted exports, historical views or other plan-specific functionality, even where the underlying records are retained for legal or technical reasons.

7. Your obligations and acceptable use

7.1 Your responsibility

You are responsible for:

• providing accurate and complete information in BravoLisa;
• reviewing AI-generated outputs before using them;
• correcting any errors or omissions;
• retaining original documents in paper form where, and for as long as, applicable law requires physical retention. Uploading or storing a digital copy in BravoLisa does not replace that obligation;
• ensuring that your invoices, financial records and tax-related information comply with Luxembourg legal and tax requirements;
• submitting tax declarations, VAT returns, invoices or other documents where submission is not expressly provided by BravoLisa or the professional accountant service;
• responding to requests for information, explanations or documents;
• ensuring that you have the right to upload, process and use any data, documents or information you provide to BravoLisa.

You remain responsible for any information that you approve, send, submit, file or rely on.

7.2 Account security

You are responsible for keeping your login credentials secure and for all activity carried out through your account.

You must notify us promptly if you suspect unauthorised access to your account.

We may refuse registration, suspend access or terminate an account where we reasonably believe that the account information is inaccurate, fraudulent, misleading, unlawful or creates legal, security or compliance risks.

7.3 Uploaded content

You may upload receipts, invoices, bank statements, screenshots, PDFs, images and other documents relevant to your self-employed activity or small business.

You must not upload documents or content that are unrelated to the purpose of BravoLisa, including personal photos, private documents unrelated to your business administration, sensitive information not required for using the service, unlawful content, malware or third-party content that you are not entitled or allowed to use.

In particular, you must not upload special categories of personal data within the meaning of Article 9 GDPR — including data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade-union membership, genetic data, biometric data, health data, or data concerning a person’s sex life or sexual orientation — or photographs of individuals, unless the data is strictly necessary for a business record you are required to keep.

We do not actively pre-screen all uploaded content. However, if we become aware of unlawful, harmful or non-compliant content, we may remove it, restrict access to it, suspend the account or terminate the account.

Where content is unrelated to your business administration but is not unlawful, we will notify you and give you 10 days to remove or relocate it yourself. If you do not act within that period, we may delete it. Repeated or large-scale misuse may lead to suspension or termination of your account.

If you believe that content stored in BravoLisa breaches these Terms or applicable law, please contact us at abuse [at] bravolisa [dot] lu.

7.4 Prohibited use

You must not:

• use BravoLisa for unlawful, fraudulent, misleading or abusive purposes;
• use BravoLisa as a generic cloud storage service;
• submit or transmit through Lisa, customer support or any other BravoLisa communication channel content that is abusive, threatening, harassing, insulting, discriminatory or defamatory towards our staff, service providers, the professional accountant, BravoLisa or any other person;
• upload content unrelated to your business administration or self-employed activity;
• upload malware, viruses or harmful code;
• attempt to access another user’s account or data;
• interfere with the security, availability or integrity of BravoLisa;
• scrape, copy, reverse engineer or misuse the service;
• create multiple accounts to bypass Free plan limits or other restrictions;
• use BravoLisa in a way that breaches Luxembourg or EU law;
• use BravoLisa to process data you are not authorised to process.

We may remove content, restrict features, suspend or terminate accounts where we reasonably believe that this section has been breached.

8. Suspension, termination and assignment

8.1 Suspension

We may suspend access to BravoLisa, your account, a plan, a feature, the Care plan, the human services component or any part of the services if:

• you breach these Terms or any other agreement with us;
• you fail to pay fees when due;
• you misuse BravoLisa or attempt to bypass plan limits;
• you provide false, incomplete or misleading information;
• you submit or transmit through Lisa, customer support or another BravoLisa communication channel content that is abusive, threatening, harassing, insulting, discriminatory or defamatory towards our staff, service providers, the professional accountant, BravoLisa or any other person;
• you upload unlawful, harmful, infringing or irrelevant content;
• you fail to provide required onboarding or other information;
• you do not pass applicable AML, sanctions, professional or risk checks;
• providing the service would breach applicable law, professional obligations, sanctions rules, internal risk policies or third-party provider requirements;
• your use creates security, legal, operational, reputational or compliance risks;
• we are required to do so by law, public authority, court order, payment provider, professional accountant or professional service provider.

8.2 Termination by BravoLisa with notice

We may terminate your access to BravoLisa, your account, a plan, a feature, the Care plan, the human services component or any part of the services by giving notice where:

• we decide to discontinue a service, plan or feature;
• we change our business model;
• we close inactive accounts;
• we manage legal, compliance, operational or security risk;
• we have another legitimate business reason to do so.

Where reasonably possible, we will give you advance notice and an opportunity to retrieve your data. If we discontinue BravoLisa as a whole, we will give you at least 60 days’ written notice and, where technically feasible, provide a reasonable way to retrieve your data throughout the notice period and for 30 days after the service ends.

8.3 Termination by BravoLisa without notice

We may terminate immediately and without notice where:

• you materially breach these Terms or another agreement with us;
• immediate termination is required by law, public authority, court order, payment provider, professional accountant or professional service provider;
• your use creates serious legal, security, compliance, operational or reputational risk;
• you fail or refuse to complete required onboarding;
• you do not pass applicable AML, sanctions, professional or risk checks;
• continuing the service would breach applicable law or professional obligations;
• you misuse the service, provide fraudulent information or upload unlawful content;
• you seriously or repeatedly submit or transmit through Lisa, customer support or another BravoLisa communication channel content that is abusive, threatening, harassing, insulting, discriminatory or defamatory towards our staff, service providers, the professional accountant, BravoLisa or any other person.

8.4 Termination of all or part of the services

BravoLisa may terminate all agreements with you or only some of them.

For example, we may terminate the human services engagement while keeping your software account active on Smart or Free, or we may terminate access to BravoLisa entirely where necessary.

Termination of one agreement does not automatically terminate all other agreements unless we state this, the agreements are functionally dependent on each other, or continuing the remaining agreement is not legally, technically or commercially possible.

8.5 Effect of termination

After termination, you may lose access to your account, paid features, AI-assisted tools, analytics, exports, human services or other functionality.

We may allow you a reasonable period to retrieve your data unless immediate termination, legal restrictions, security concerns or other serious reasons prevent this. This does not affect the access period we commit to under clause 8.2 where we discontinue BravoLisa as a whole.

Termination does not affect:

• fees already due, except where clause 5.4, this clause 8.5 or the engagement letter provides otherwise;
• retention obligations;
• rights and obligations that by their nature should continue;
• our right to retain limited records for legal compliance, professional obligations or the establishment, exercise or defence of legal claims;
• limitations of liability;
• intellectual property rights;
• confidentiality, where applicable.

If we terminate your annual Smart subscription, or discontinue the Smart plan, for reasons not attributable to you, we will refund the part of the annual Smart fee attributable to the period after the effective date of termination, calculated pro rata for the unexpired portion of the then-current annual billing period. No further Smart fees will be charged, and your account will be moved to the Free plan or another available plan, as applicable, from the effective date of termination.

Notwithstanding clauses 2.6 and 5.5, the following rules govern fees payable and refunds where Care, the engagement letter or the human services component is terminated in the circumstances described in this clause.

Where we or the professional accountant terminate Care, the engagement letter or the human services component for reasons not attributable to you, we will refund all Care fees paid for that Care subscription. No further Care fees will be charged, and your account will be moved to Smart or Free, as applicable.

Where we or the professional accountant terminate Care, the engagement letter or the human services component because of your breach, failure to cooperate or provide required information, failure to complete onboarding or pass applicable AML, sanctions or risk checks, misuse of the Service or other conduct attributable to you, the following rules apply:

• if you paid for Care annually in advance and no filing has been made on your behalf, all Care fees paid for that subscription will be refunded;
• if you paid for Care annually in advance and a filing has been made on your behalf, the annual Care fee is non-refundable;
• if you pay for Care monthly and no filing has been made on your behalf, Care fees already paid are non-refundable, but no further Care fees will be charged; and
• if you pay for Care monthly and a filing has been made on your behalf, the Care fees for the remainder of the 12-month minimum commitment remain payable.

Where termination results from a reason attributable to you, the professional accountant is not required to perform any further work after termination, including where Care fees remain payable.

For the purposes of this clause, a filing occurs when the professional accountant submits a tax declaration, VAT return or other document to a public authority on your behalf.

These rules apply to the extent permitted by applicable law and do not limit any refund right under clause 5.4.

8.6 Assignment by BravoLisa

We may assign, transfer or otherwise dispose of our rights and obligations under these Terms, in whole or in part, to another entity, including in connection with a restructuring, merger, acquisition, sale of business, transfer of assets or change of service provider.

We will notify you at least 15 days before the assignment takes effect, unless a shorter period is required for legal, regulatory, security or operational reasons.

If the assignment materially affects your rights and you do not agree to it, you may stop using BravoLisa and cancel your paid subscription before the assignment takes effect.

8.7 Assignment by you

You may not assign, transfer or otherwise dispose of your rights or obligations under these Terms without our prior written consent.

Any attempted assignment without our consent is ineffective.

9. Intellectual property, liability and legal terms

9.1 BravoLisa intellectual property

BravoLisa, including the app, website, software, design, trademarks, content, documentation, workflows, AI prompts, templates and other materials, belongs to BravoLisa or its licensors.

You may use BravoLisa only as permitted by these Terms.

You must not copy, reproduce, distribute, modify, reverse engineer, decompile, resell, sublicense or otherwise exploit BravoLisa unless expressly permitted by us or by applicable law.

9.2 Feedback

If you provide feedback, suggestions or ideas about BravoLisa, you allow us to use them without restriction or compensation.

We may use feedback to improve, develop or modify BravoLisa.

9.3 Service availability and changes

We aim to make BravoLisa reliable and available, but we do not guarantee uninterrupted, error-free or permanent availability.

We may update, modify, suspend, limit or discontinue features from time to time.

We may perform maintenance, introduce new features, remove outdated features, change technical requirements, update AI models, change service providers or adapt the service to legal, tax, accounting, security or operational requirements.

We will try to avoid material disruption to paid users where reasonably possible.

9.4 No guarantee of tax outcome

BravoLisa helps you organise information and prepare documents, but we do not guarantee any specific tax, accounting, administrative, financial or business outcome.

We do not guarantee that Luxembourg tax authorities, VAT authorities, social security authorities or any other public authority will accept any filing, declaration, classification, calculation, invoice, deduction, position or document.

You remain responsible for ensuring that your filings, invoices, business records and tax-related information are accurate, complete and compliant.

Where human accountant or tax services are provided, the scope of responsibility is limited to the work expressly agreed in the engagement letter.

9.5 Third-party services

BravoLisa may rely on third-party services, including hosting providers, AI providers, payment processors, analytics providers, support tools, email providers, authentication providers, tax data providers, professional service providers or other service providers.

We are not responsible for third-party services except to the extent required by applicable law or expressly stated in these Terms.

Your use of third-party services may be subject to their own terms and privacy notices.

9.6 Limitation of liability

BravoLisa is provided as a software and business administration tool.

To the maximum extent permitted by applicable law, we are not liable for:

• loss of profit, revenue, business opportunity or goodwill;
• indirect, incidental, special or consequential loss;
• loss caused by inaccurate, incomplete or outdated information provided by you;
• loss caused by your failure to review AI-generated outputs;
• loss caused by tax authority decisions, reassessments, penalties or rejected filings, except to the extent directly caused by our breach of these Terms;
• loss caused by third-party services or events outside our reasonable control; or
• loss caused by unauthorised access resulting from your failure to keep your login credentials secure.

Subject to the exclusions below, our total aggregate liability arising out of or in connection with BravoLisa will not exceed the greater of: (a) the amount paid by you to BravoLisa for the relevant service during the 12 months preceding the event giving rise to the claim; and (b) EUR 200.

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct or gross negligence, death or personal injury caused by negligence, or any other liability that cannot be excluded or limited under applicable law.

For Care, the liability of the professional accountant in connection with the human accountant or tax services is governed by the separate engagement letter and applicable professional rules.

9.7 Indemnity

Where permitted by law, you agree to compensate us for losses, costs, claims or expenses resulting from:

• your breach of these Terms;
• your unlawful use of BravoLisa;
• inaccurate, incomplete or misleading information provided by you;
• content or data you upload without the required rights or legal basis;
• your failure to comply with legal, tax, accounting or professional obligations applicable to you.

9.8 Force majeure

We are not responsible for delay or failure to perform where this is caused by events outside our reasonable control, including internet failures, hosting outages, cyberattacks, power failures, strikes, natural disasters, war, public authority actions, legal changes, payment provider failures or third-party service disruption.

9.9 Changes to these Terms

We may update these Terms from time to time.

If we make material changes, we will notify you by email, inside the app or through another appropriate channel.

If you do not agree to the updated Terms, you must stop using BravoLisa and cancel your subscription before the updated Terms take effect.

Your continued use of BravoLisa after the effective date of the updated Terms means that you accept them.

9.10 Governing law and jurisdiction

These Terms are governed by the laws of Luxembourg.

The courts of Luxembourg have jurisdiction, unless mandatory law provides otherwise.

9.11 Contact

For questions about these Terms, please contact us using the contact details provided in the About Us section.