Terms of Service

These Terms of Service (“Terms”) govern your use of the Preduzmi website at preduzmi.com (“the Service”), operated by 4xxi Software Ltd. (“we”, “us”, “our”), a company registered in England and Wales.

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Service.

Preduzmi is an accounting and tax compliance tool for Serbian lump-sum entrepreneurs (pausalni preduzetnici). The Service helps you:

• Create, manage, and track invoices (income and expense).
• Import and categorise bank transactions from bank statement files (Raiffeisen XML, Alta Banka XLS, and generic CSV).
• Monitor revenue against the 6M RSD annual limit and 8M RSD rolling 12-month VAT threshold.
• Track monthly tax obligations (income tax, PIO, health insurance, unemployment).
• Generate the mandatory KPO ledger book (PDF or DOCX).
• Upload invoices and tax office resolutions (rešenja) for AI-assisted data extraction.

Preduzmi does not provide accounting, tax, legal, or any form of professional advice.

The Service is a record-keeping and compliance tracking tool. It is designed to help you organise your business data — not to replace qualified professional guidance.

Specifically:

• Tax payment amounts, treasury account numbers, and payment references are displayed based on the data you enter. We do not guarantee their accuracy. Always verify payment details with your accountant or the Serbian Tax Administration (Poreska uprava).
• Revenue limit calculations (6M/8M RSD) are based on the invoices and transactions you record. Missing or incorrect data will produce incorrect calculations.
• The KPO book is generated from your confirmed invoices. You are responsible for ensuring completeness and accuracy before submitting it to the tax authority.
• AI-assisted document parsing (invoices, rešenja) may produce errors. All extracted data must be reviewed and confirmed by you before use.
• Exchange rates are sourced from the National Bank of Serbia (NBS) via a third-party API. We do not guarantee their accuracy or timeliness.

If you are unsure about your tax obligations, consult a qualified accountant (knjigovođa) or tax advisor.

Preduzmi uses artificial intelligence to parse uploaded documents (invoices and tax office resolutions). Document content is processed by third-party AI services:

• OpenAI (US-based)
• OpenRouter (US-based) — API gateway for additional language models
• Other providers we may configure, including Azure OpenAI or a model we host ourselves

AI-generated data extraction may contain errors, omissions, or misinterpretations. All AI-extracted data is presented to you in draft form for review and confirmation before it is saved. You are responsible for verifying the accuracy of any AI-extracted data.

We do not use your data to train AI models. We may change AI providers at any time. This will be reflected in our Privacy Policy.

You retain ownership of all data you enter or upload into Preduzmi. By using the Service, you grant us a limited licence to process your data solely for the purpose of providing the Service — including transmitting document content to AI providers for parsing.

All your data is private. We do not share, publish, or make your business data available to other users. Each user can only access their own data.

The Service requires an account. You can sign up with email and password, or optionally via Google sign-in.

You are responsible for maintaining the security of your account credentials. You must not share your account with others. You must provide accurate information and keep it current.

We reserve the right to suspend or terminate accounts that violate these Terms.

When using the Service, you agree not to:

• Use the Service for any unlawful purpose.
• Attempt to interfere with the Service's operation or security.
• Use automated tools, bots, or scripts to access the Service without our permission.
• Upload malicious files, viruses, or harmful content.
• Attempt to access another user's data or account.
• Use AI features to generate content that violates applicable law or third-party rights.
• Attempt to extract training data from or reverse-engineer the AI models used by the Service.

Price. Access to the Service requires a paid subscription of USD 30 per year (launch pricing), charged in advance. Prices are shown at checkout and exclude any taxes that may apply in your country; you are responsible for those taxes unless we state otherwise.

Free trial. New subscriptions start with a 14-day free trial. No charge is made during the trial. If you do not cancel before the trial ends, the subscription starts and the first annual payment is taken.

Automatic renewal. The subscription renews automatically every year at the then-current price until you cancel. We will email you a reminder before each renewal. If we change the price, we will give you at least 30 days' notice before the change takes effect, and you may cancel before renewal if you do not accept the new price.

Cancelling. You can cancel at any time, without contacting us, from Profile → Manage subscription, which opens the Stripe customer portal. Cancellation takes effect at the end of the period you have already paid for — you keep access until then, and you are not charged again.

30-day money-back guarantee. If you subscribe and change your mind, email us at [email protected] within 30 days of the payment and we will refund it in full, no questions asked. Refunds are made to the original payment method.

Statutory right of withdrawal. If you subscribe as a consumer in the UK or the EU, you have a statutory right to withdraw from the contract within 14 days. By starting to use the Service immediately after subscribing, you ask us to begin performance during that period and acknowledge that you may be charged for the part of the service already supplied if you then withdraw. Our 30-day guarantee above is more generous than this statutory right and applies regardless of whether you subscribe as a consumer or as a business.

Failed payments. If a renewal payment fails, Stripe will retry it over a short period. If payment is still not received, the subscription lapses and access to the Service is suspended. Your data is not deleted when access lapses — resubscribing restores access to it.

Payment processing. Payments are processed by Stripe. Card details are entered on Stripe's own checkout page and are never received or stored by us. Your use of Stripe's payment pages is also subject to Stripe's terms and privacy policy. See our Privacy Policy for what billing data we hold.

Complimentary access. We may grant free or discounted access to individual accounts at our discretion. Such access may be withdrawn with reasonable notice.

The Service is intended for registered business owners aged 18 and over. By using the Service, you confirm that you are at least 18 years old. We do not knowingly collect data from anyone under 18.

The Service, including its design, code, analysis methodology, and original content, is owned by 4xxi Software Ltd. and is protected by copyright under UK law.

You may not reproduce, reverse-engineer, or commercially exploit the Service or its content without prior written permission.

The Service and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Service will be available uninterrupted or error-free.
• Tax calculations, payment amounts, revenue limits, or KPO book entries will be accurate or complete.
• AI-extracted data from uploaded documents will be correct.
• Exchange rates will be accurate or up to date.
• Any errors or defects will be corrected.
• The Service is suitable for meeting your specific tax compliance obligations — always verify with a qualified professional.

To the fullest extent permitted by the laws of England and Wales, 4xxi Software Ltd., its directors, employees, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service. This includes, without limitation, any damages arising from:

• Incorrect tax payments made based on data displayed by the Service.
• Loss of lump-sum (paušal) taxation status due to inaccurate revenue tracking.
• Errors in KPO book entries submitted to tax authorities.
• Penalties, fines, or interest arising from reliance on the Service for tax compliance.
• Errors in AI-assisted document parsing.

Our total aggregate liability to you for all claims arising out of or in connection with the Service shall not exceed the total amount you paid us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim, or ten pounds sterling (£10) if you have not paid us anything in that period.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

You may stop using the Service at any time. To request deletion of your account and all associated data, contact us at [email protected].

Cancelling your subscription is not the same as deleting your account: cancellation stops future charges and ends access at the end of the paid period, while your data remains stored until you ask us to delete it.

We may suspend or terminate your access to the Service if you violate these Terms. For non-serious violations, we will provide reasonable notice before termination. If we terminate your account for reasons other than a serious breach by you, we will refund the unused portion of any subscription period you have paid for.

If we decide to discontinue the Service entirely, we will provide at least 30 days' notice, allow you to export your data, and refund the unused portion of any subscription period you have paid for.

We may update these Terms from time to time. Changes will be posted on this page with an updated “last updated” date. For material changes, we will provide notice via email where possible. Your continued use of the Service after any changes constitutes acceptance of the updated Terms.

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, without prejudice to any mandatory consumer protection provisions that may apply in your jurisdiction of residence.

For any questions about these Terms:

Email: [email protected]

4xxi Software Ltd.
23 Leyborne Park, Kew Gardens
TW9 3HB, Richmond, United Kingdom