Last updated: 10 July 2026
These terms govern your use of Creditio ("the app"), a Shopify app operated by Talivio Technology OÜ (registry code 16991406), Ahtri tn 12, Kesklinna linnaosa, Tallinn, Harju maakond, 15551, Estonia ("we", "us"). By installing or using the app you agree to these terms.
Creditio adds B2B credit control to a Shopify store: per-company credit limits, an open-balance and receivables ageing dashboard, checkout blocking or warnings when a company exceeds its limit or has an overdue balance, and optional automated payment reminder emails. The app is intended for business and professional use by merchants; it is not offered to consumers.
Credit decisions are yours. The app is a tool that calculates balances and applies the limits and rules you configure — it does not assess the creditworthiness of your customers, and nothing in the app constitutes financial, credit or legal advice. You are responsible for the credit limits you set, for the enforcement rules you enable, for the content and lawfulness of payment reminder emails sent on your behalf, and for complying with the laws that apply to your own trade receivables and to your customers' data. You must have the right to let us process the B2B customer data your store shares with the app (see our Privacy Policy). You are the controller of your customers' data and you alone set the credit and checkout rules the app enforces; where a rule affects a natural person, you are responsible for any lawful basis and safeguards required under Article 22 GDPR, and the app gives you a manual override to review or reverse any decision.
Subscription fees are charged through the Shopify billing system on the recurring terms shown on the app's listing or pricing page, including any free trial. Fees already paid for the current billing period are non-refundable unless required by law. Uninstalling the app cancels the subscription in accordance with Shopify's billing rules.
The app is provided "as is" and "as available", without warranty of uninterrupted or error-free operation. The app depends on Shopify — its APIs, webhooks, checkout validation functions and billing system — which we do not control. We are not responsible for Shopify's availability, for changes Shopify makes to its platform, or for orders that complete despite a configured block where that results from Shopify platform behaviour (for example, sharing a checkout link with payment rules disabled, or delays in data synchronisation). Balance and ageing figures are calculated from the data Shopify makes available to the app and may lag behind the store's actual state.
You may not misuse the app, attempt to disrupt or gain unauthorised access to it, use it to send unlawful communications, or use it in breach of applicable law or of Shopify's terms.
We own the Creditio app and its content. You retain ownership of your store's data; you grant us the rights needed to host and process it to provide the service. Where that data includes personal data of your B2B customers, we process it as your processor as described in the Privacy Policy. We will, on request, enter into a GDPR Article 28 data processing agreement with you; our standard DPA is available at [email protected].
To the fullest extent permitted by law, Talivio Technology OÜ is not liable for indirect or consequential losses, lost profits, or losses arising from your credit decisions — including orders that were blocked, orders that were not blocked, or unpaid receivables. Our total aggregate liability under these terms is limited to the fees you paid us in the twelve months before the event giving rise to the claim, or EUR 100 where you paid less than that in the relevant period. This limitation does not apply to liability that cannot be limited under mandatory law, including liability for intent (wilful misconduct) or gross negligence, for death or personal injury, or under mandatory consumer-protection law.
You may stop using the app and uninstall it at any time. We may suspend or terminate access for breach of these terms. On uninstallation your data is deleted as described in the Privacy Policy.
These terms are governed by the laws of Estonia, excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods (CISG). Disputes are subject to the exclusive jurisdiction of Harju Maakohus (Harju County Court, Tallinn), Estonia. The app is offered for business and professional use only. Nothing in this clause deprives you of the protection of mandatory provisions of the law of your country of habitual residence or establishment that cannot be derogated from by agreement.
We may update these terms; continued use of the app after an update means you accept the revised terms. The date at the top shows when they last changed.
Questions about these terms can be sent to [email protected].