Terms & Conditions

1. Definitions

• Service — the platform and related features through which independent workers create invoices, collect payments, and, where selected, use payroll processing.
• User / you — any natural person (≥ 18 years old) who registers an account with a valid Icelandic electronic ID (rafræn skilríki) to invoice through Fustle.
• Client — any entity that you invoice through the Service.
• Invoicing — you are the seller. The invoice shows your kennitala and bank account, and the Client pays you. Fustle charges the service fee in the price list then in force. You remain responsible for taxes and filings.
• Invoicing + Expenses — Invoicing plus expense records. Receipts are entered manually. An image is stored as evidence and is not read automatically.
• Payroll — fixed — a plan for a sole trader. Fustle calculates payroll figures. It does not hold the Client's payment or pay your net salary. The service fee follows the price list then in force. Filings stay manual until a tax or pension connection exists.
• Payroll — flexible — Fustle receives the Client's payment, deducts the service fee in the price list then in force, calculates payroll, and pays net salary. Switching to Invoicing or Invoicing + Expenses is a lasting opt-out.
• Pass-through — after a lasting opt-out from flexible Payroll, Fustle may still receive an eligible group-invoice share and pay that share to you in full, without the flexible fee, tax, pension, or net-salary calculation.

2. Eligibility & Registration

1. You must be at least 18 years old, hold an Icelandic kennitala, and authenticate with electronic ID.
2. You warrant that all registration data (name, address, bank IBAN, pension‑fund choice) is accurate and kept up to date.
3. Each User may hold one active account. We may suspend duplicate or incomplete accounts.

3. Scope of the Service

1. Under Invoicing and Invoicing + Expenses, you are the seller. The Client pays the account on the invoice. Fustle does not deduct its fee from that payment.
2. Under fixed Payroll, Fustle calculates the figures for a sole trader and does not receive the Client's payment. An ehf cannot start a Payroll plan.
3. Under flexible Payroll, Fustle receives the Client's payment, deducts the service fee in the price list then in force, and pays net salary. While flexible Payroll is active, your other invoices use the same route.
4. Fustle is not your employer and does not provide accident or liability insurance. You remain an independent contractor responsible for your own insurance cover.
5. We do not give legal, tax, or financial advice. Consult a professional for your specific situation.

4. Fees & Payouts

1. Service fee: the price list then in force, plus VAT where VAT applies. Fustle collects it by invoice or by card, according to the method you choose and the methods Fustle offers. A fixed plan is charged at the start of the period. The flexible Payroll fee follows that price list and is calculated on payments received during the calendar month. A zero base is not charged. An unused prepaid ordinary period that flexible Payroll replaces becomes a service credit, with net and VAT kept separate, toward a later ordinary charge. It is not paid out in cash.
2. Under flexible Payroll, Fustle may pay a loan against net salary expected from open invoices, within the credit limit on the account. The loan is not a separate salary or payslip. Before payment, the expected net amount must cover it. The principal is deducted from a later salary. Each loan has a service fee according to the price list then in force. Fixed Payroll and the invoicing plans do not include this loan. Otherwise, this service does not pay you before the Client has paid.
3. Payouts under flexible Payroll follow the published schedule. Other invoices are paid by the Client to you.
4. Where a Client-specific schedule applies, work from the 1st–15th is scheduled for the 25th and work from the 16th–month-end for the 10th of the following month. A date falling on a weekend or public holiday moves to the next banking day unless paid earlier.
5. Bank charges, FX spreads, or returned‑payment fees imposed by your bank are your responsibility.

5. Taxes, Social Charges & Pension

1. Under Laun, we calculate and process Icelandic income-tax withholding, tryggingagjald (social security), endurhæfingarsjóður, and pension (15.5 % = 11.5 % employer + 4 % employee) based on rates in force on the payout date.
2. You authorise Fustle to remit these amounts to Skatturinn and your nominated pension fund.
3. Under Invoicing, you remain responsible for tax, VAT registration and returns, pension, social charges, and all filings. In all cases, you are responsible for monitoring obligations that fall outside the selected service.
4. You are responsible for completing your annual tax return; we provide payslips and income statements for that purpose.

6. User Obligations

1. Provide accurate work data (hours, deliveries, expenses). False, misleading, or fraudulent entries are grounds for immediate termination and potential legal action.
2. Maintain valid bank details and contact information.
3. Comply with all applicable laws, Client policies, and these Terms.
4. Inform us by the 10th of the month if you intend to switch to self‑invoicing or another service (see § 12).

7. Prohibited Uses

You must not:

• Use the Service for activities that are illegal, harmful, misleading, or violate Client terms.
• Attempt to bypass the Service fee or manipulate invoiced amounts.
• Reverse‑engineer, decompile, or interfere with platform security.

8. Loans and collection

1. The loan in section 4 is available only under flexible Payroll. Otherwise, this service does not pay you before the Client has paid.
2. A failed collection, whether by invoice or by card, pauses new paid actions after seven days. History, exports, and filings Fustle already owes stay available.
3. Amounts already owed under an earlier membership snapshot are finished on that snapshot.

9. Intellectual Property

All software, trademarks, and content on the platform remain the property of Fustle or its licensors. You receive a non‑exclusive, non‑transferable licence to use the Service for legitimate invoicing.

10. Personal Data & Privacy

Processing of personal data is governed by our Privacy Policy, which forms part of these Terms.

11. Third‑Party Services and Clients

Your relationship with any Client or work platform is separate from Fustle. Fustle is not part of a Client's corporate group and is not liable for the Client's acts or omissions.

12. Term & Termination

1. These Terms remain in force until your account is closed.
2. User termination: email thjonusta@fustle.is with subject "Transfer to Self‑Invoicing" at least 15 calendar days before the switch date. Pending invoices and tax obligations must be settled first.
3. Fustle termination: we may suspend or close your account immediately for breach, fraud, or legal risk. We will provide notice unless prohibited by law.
4. Sections 9–16 survive termination.

13. Warranties & Liability

1. The Service is provided "as is". We do not guarantee uninterrupted availability.
2. To the maximum extent allowed by law, our liability is limited to the total Service fees you paid in the preceding 12 months.
3. We are not liable for indirect or consequential losses, lost profits, or third‑party claims.

14. Indemnity

You will indemnify Fustle against any loss, claim, or penalty arising from your breach of these Terms or violation of applicable law.

15. Force Majeure

Neither party is liable for delay or failure caused by events beyond reasonable control (e.g., natural disasters, internet outages, government acts).

16. Changes to Terms

We may modify these Terms by posting an updated version 14 days before it becomes effective. Continued use after the effective date constitutes acceptance. Material fee changes require explicit email notice.

17. Governing Law & Dispute Resolution

These Terms are governed by Icelandic law. Any dispute shall be submitted to the exclusive jurisdiction of the District Court of Reykjavík (Héraðsdómur Reykjavíkur), unless mandatory consumer law grants you the right to sue elsewhere.

18. Contact

Fustle ehf

Ármúla 36, 108 Reykjavík

Email: hello@fustle.is

Phone: +354 790 3656