Terms of Service

Sail is operated by ALCOFAGEOMÉTRICA — PROGRAMAÇÃO INFORMÁTICA, UNIPESSOAL LDA (NIPC 519501624), a company incorporated in Portugal, doing business as Sail Labs ("we", "us").

Sail is a receivables, payments and invoicing platform for freelancers and small businesses: payment requests and recurring requests paid by SEPA transfer, card, MB WAY or SEPA direct debit, public payment pages with tickets and door entry, certified Portuguese invoicing, expense and VAT capture, bank account aggregation, budgets, cashflow projections, an assistant and connections to external AI apps. Sail is intended for business and professional use by users who are at least 18 years old. Sail is in early access: signup is open to businesses established in a eurozone country, certified invoicing is available to businesses established in Portugal, and features may change as we open more countries.

Sail is a financial-technology company, not a bank, and does not hold client funds. Payments by SEPA credit transfer settle directly to your own bank account. Card, MB WAY and direct-debit payments are processed by Stripe on a Stripe account in your name and paid out by Stripe to your bank account. Sail never takes possession of the money you collect.

• Enable Banking — bank account aggregation is provided by Enable Banking, an authorised account information service provider under PSD2. Access to your bank data requires your explicit consent, given in your bank's own authorisation flow, and can be revoked at any time.
• Invopop — invoices are issued through Invopop under a software certification recognised by the Portuguese Tax Authority (AT, certification 192/AT). You remain the issuer of your invoices and responsible for their content.
• Stripe — if you accept card, MB WAY or SEPA direct-debit payments, Stripe opens a connected account in your name, verifies your identity and your business, processes those payments and pays them out to your bank. You accept Stripe's own services agreement when you open it. Stripe deducts its fees from each payment and bears the losses and dispute fees under that agreement; Sail adds no fee of its own. Refunds and disputes follow Stripe's rules.
• WorkOS — signing in to Sail (passwords, Google and Microsoft sign-in, email verification and your signed-in sessions) is provided by WorkOS, Inc., our identity provider. Sail never sees your password; what WorkOS processes is described in the Privacy Policy.
• External AI apps (MCP) — on plans that include it, you may connect an AI app of your choice to Sail. You decide what it may read and do; every change it proposes runs only after you confirm it in Sail, within your own permissions, and you can revoke the connection at any time. The app is provided by its own vendor under its own terms, and its charges are yours. We are not responsible for what an app you connect does with the data you authorise it to read.

These providers have their own terms and privacy policies, which apply to your use of their services.

• Provide accurate information — in your account, your supplier profile, your invoices and your payment requests.
• Keep your credentials secure and don't share your account. You are responsible for activity under your account, including team members you invite.
• Use Sail only for lawful purposes: no fraud, money laundering, requesting payment for illegal goods or services, or misleading payers.
• You are responsible for the invoices you issue, the VAT you charge, and your tax filings.
• If you use the API or webhooks: keep your API keys and webhook secrets confidential and revoke any that may have been exposed. Everything done with your keys — including certified invoices issued through the API — is done on your behalf and is your responsibility. You are responsible for the systems that receive your webhooks. We may limit request rates, and we announce breaking changes to the API with reasonable notice; additions to it may happen at any time.

You may not abuse the service: no attempts to breach security, no scraping or bulk extraction of data that isn't yours, no reverse engineering, no interfering with other users, and no use of public payment pages to collect payments you are not entitled to collect. We may suspend or terminate accounts that violate these terms or create risk for other users, payers or the service.

Sail's accounting features, VAT summaries, cashflow projections and assistant outputs are informational tools, not tax, legal or accounting advice. In Portugal, only a certified accountant (contabilista certificado registered with the OCC) may sign tax declarations. Bank balances and transactions are as fresh as the latest synchronisation permitted by your bank and PSD2; always confirm critical figures with your bank and your accountant.

We work to keep Sail available and secure, but the service is provided "as is" and depends on third parties (banks, payment processors, the tax authority's systems) we do not control. We may add, change or remove features. If we discontinue the service or a material part of it, we will give you reasonable notice and the opportunity to export your data.

To the maximum extent permitted by law, we are not liable for indirect or consequential losses, loss of profit, or losses caused by third-party services, and our total liability arising from the service is limited to the amounts you paid us for it in the twelve months before the event giving rise to the claim. Nothing in these terms excludes liability that cannot be excluded under Portuguese law, including liability for wilful misconduct or gross negligence.

Sail is sold as a subscription (Basic, Plus, Pro or a Custom plan agreed in writing) billed either monthly or yearly, paid in advance for the billing period through our payment provider, Stripe, from the moment you subscribe. Prices are stated excluding IVA; the applicable IVA is added at checkout based on your billing country and VAT status. Subscriptions renew automatically for a further period of the same length — one month or one year — at the then-current price unless you cancel before the end of the current period. You cancel from your billing settings in the app; any open invoice must be settled first. Cancellation takes effect at the end of the period already paid for, and usage up to then is billed on a final usage invoice. Upgrades, and a switch from monthly to yearly billing, take effect immediately and are prorated for the remainder of the current period. Downgrades, and a switch from yearly to monthly billing, take effect at the end of the current period; nothing already paid is refunded. There is no trial period and no money-back period beyond your statutory rights.

Each plan includes, per calendar month counted from your subscription date on both billing cycles, an allowance of payments collected, an allowance of automated emails Sail sends to your customers on your behalf, and an amount of AI usage, together with a number of connected bank accounts and a number of team members. A payment is collected when a payment request is paid in full, whatever the payment method — a payment of less than the amount requested does not count; a later refund or reversal does not give it back. We never block a payment or an email at an allowance: each payment collected beyond it is charged at €0.05, capped each month at the difference between your plan's monthly price and the next plan's, and each automated email beyond it at €0.05. We notify the account owner at 90% and 100% of each allowance. On a complimentary plan nothing is billed and the included amounts are the whole allowance.

Usage beyond what the plan includes is billed monthly in arrears, on a separate monthly usage invoice, at the following prices excluding IVA. Certified invoicing is optional: each certified document issued in the live environment (invoices, invoice-receipts and credit notes alike; voided documents count, sandbox documents never do) costs €0.20 on Basic, €0.15 on Plus and €0.10 on Pro; and the invoicing seat costs €5, €4 or €3 per month respectively while it is active. You activate the seat when you set up live invoicing and can pause it from your billing settings; while it is paused no live certified documents can be issued, and your registration and documents are kept. AI usage beyond the included amount is charged at the provider's cost plus 50%, up to a monthly spending cap you set on the Assistant page (€10 unless you change it, at most €200) — once the included amount and your cap are used up, AI features pause until the next month and nothing beyond the cap is charged. Subscriptions started before October 2026 keep the document and seat prices they were sold at. Usage prices may change with 30 days' notice.

We will announce price changes at least 30 days before they apply to your renewal. Certified documents already issued are unaffected by any change to, or the end of, your subscription — they remain your fiscal records and stay available to you.

You can stop using Sail and delete your account at any time. We may suspend or terminate your access for material breach of these terms. Provisions that by their nature should survive termination (such as liability limits and legally required record retention) survive it.

We may update these terms as the product evolves. Material changes will be announced in the app or by email before they take effect; continuing to use Sail after that constitutes acceptance. The "Last updated" date above always reflects the current version.

These terms are governed by Portuguese law, and any dispute is subject to the courts of Portugal, without prejudice to mandatory consumer protections that may apply to you.

Legal and privacy matters: [email protected]. Support: [email protected]. How we handle personal data is described in our Privacy Policy.