Terms of Service

Effective date: 1 April 2026
Provider: K & N Publishing KLG, Egglerstrasse 10, 9555 Tobel, Switzerland ("Salvio", "we", "us")

1. Scope

These Terms of Service ("Terms") govern access to and use of the Salvio software-as-a-service platform available at salvio.app ("Service"). By creating an account or using the Service, you ("Customer") agree to these Terms. If you are acting on behalf of a company, you represent that you have authority to bind that company.

2. Service Description

Salvio is a B2B SaaS tool that helps Stripe-based subscription businesses recover failed payments through automated retry logic, multilingual dunning email sequences (English, German, French), and a recovery analytics dashboard.

The Service connects to your Stripe account via Stripe Connect (OAuth) and processes webhook events to detect and respond to failed payment events on your behalf. Features and availability correspond to the product description at the time of subscription.

Salvio does not guarantee any specific payment recovery rate. Recovery outcomes depend on third parties including card-issuing banks, cardholders, and Stripe's own infrastructure.

3. Account Registration

You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You must notify us immediately of any unauthorized use.

You may not share account access with third parties or create accounts on behalf of others without their consent.

4. Stripe Connect Authorization

To use the Service, you must authorize Salvio to connect to your Stripe account via Stripe Connect OAuth. By doing so, you grant Salvio read and write access to your Stripe account data as described in the onboarding flow — specifically: invoices, customers, subscriptions, and webhook configuration.

You may revoke this authorization at any time through your Stripe Dashboard. Revocation will disable recovery functionality for the affected Stripe account.

5. Trial Period & Subscription

Free trial: New accounts receive a 14-day free trial. No credit card is required to start the trial. At the end of the trial, continued use requires a paid subscription.

Subscription plans: Paid plans are billed monthly or annually as published on the pricing page. Minimum plan: $49/month (Growth). All prices are in USD excluding applicable taxes.

Annual billing: Annual subscriptions are offered at a discount (equivalent to 2 months free). Annual payments are non-refundable except as described in Section 6.

Plan changes: You may upgrade or downgrade your plan at any time. Upgrades take effect immediately; downgrades take effect at the next billing cycle.

6. 30-Day Money-Back Guarantee

If Salvio does not recover at least the equivalent of your first monthly subscription fee within the first 30 days of your first paid subscription, you may request a full refund. Refund requests must be submitted within 35 days of your first payment by emailing info@salvio.app.

This guarantee applies once per Customer and does not apply to annual plans, plan upgrades, or renewals.

7. Payment & Billing

Payments are processed by Stripe. By subscribing, you authorize Salvio to charge the payment method on file at the applicable subscription rate. Failed payment of your own Salvio subscription may result in suspension of the Service.

All fees are exclusive of taxes. You are responsible for any applicable sales tax, VAT, or withholding tax in your jurisdiction.

8. Cancellation

You may cancel your subscription at any time through the billing portal. Cancellation takes effect at the end of the current billing period. No refunds are issued for unused time within a billing period (except as covered by the 30-day money-back guarantee in Section 6).

9. Acceptable Use

You agree not to use the Service to:

You remain solely responsible for your relationship with your own customers, including compliance with applicable consumer protection and data protection laws in the jurisdictions where you operate.

You are responsible for correctly configuring your webhook endpoints and cancel URLs. Salvio is not liable for misconfigured dunning flows resulting from incorrect settings.

10. Customer Data & Privacy

Salvio processes your customer data (email addresses, payment metadata, subscription data from Stripe) solely to provide the Service. We do not sell customer data to third parties.

Data processing details, subprocessors, and data subject rights are described in the Privacy Policy at https://salvio.app/legal/privacy.html.

For customers who require a Data Processing Agreement (DPA/AVV) under GDPR, a standard DPA is available on request at info@salvio.app.

11. Confidentiality

Each party agrees to keep the other's confidential information (including business data, pricing, and technical specifications) confidential and not to disclose it to third parties without prior written consent. This obligation does not apply to information that is publicly available, independently developed, or required to be disclosed by law.

12. Intellectual Property

Salvio and all related technology, software, and content remain the exclusive property of K & N Publishing KLG. No license is granted to you beyond the right to use the Service as described in these Terms.

You retain ownership of all data you provide to the Service, including your Stripe account data and customer data.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SALVIO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

SALVIO DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY SPECIFIC PAYMENT RECOVERY RATE WILL BE ACHIEVED.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SALVIO'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO SALVIO IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

IN NO EVENT SHALL SALVIO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, OR LOSS OF DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under Swiss law.

15. Indemnification

You agree to indemnify and hold Salvio harmless from and against any claims, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Service, violation of these Terms, or violation of any third-party rights.

16. Term & Termination

These Terms remain in effect for the duration of your subscription. Either party may terminate for material breach if the breach is not cured within 30 days of written notice.

Salvio may suspend or terminate your account immediately if we determine that your use violates these Terms, Stripe's policies, or applicable law.

Upon termination, your access to the Service will cease. You may export your data within 30 days of termination. After 30 days, Salvio may delete your account data in accordance with the Privacy Policy.

17. Modifications

Salvio may update these Terms from time to time. Material changes will be communicated by email or in-app notification at least 14 days before taking effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

18. Governing Law & Jurisdiction

These Terms are governed by the laws of Switzerland, excluding conflict of law principles. For disputes arising from these Terms, the parties submit to the exclusive jurisdiction of the courts of the Canton of Thurgau, Switzerland.

If you are a consumer (not acting in a business capacity), mandatory consumer protection laws of your country of residence may apply in addition to Swiss law.

19. Miscellaneous

Entire agreement: These Terms, together with the Privacy Policy and any applicable DPA, constitute the entire agreement between the parties regarding the Service.

Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force.

No waiver: Failure to enforce any provision does not constitute a waiver of future enforcement.

Assignment: You may not assign your rights under these Terms without Salvio's prior written consent. Salvio may assign its rights in connection with a merger, acquisition, or sale of assets.

Language: In the event of any inconsistency between the English, German, and French versions of these Terms, the German version shall prevail for customers domiciled in Switzerland, Austria, or Germany; the French version shall prevail for customers domiciled in France, Belgium, or Luxembourg; the English version shall prevail for all other customers.

Contact: K & N Publishing KLG · Egglerstrasse 10, 9555 Tobel, Switzerland · info@salvio.app