Service agreement

Last updated: 8 September 2026

If you are reading this text it is because you are creating a FacturaDirecta account, so welcome! We are pleased that you have decided to automate your billing and accounting tasks. From now on everything will save you time :)

FacturaDirecta is an online service specialised in offering billing and accounting for freelancers and SMEs, owned by Conductiva Online Services S.L. (hereinafter “Conductiva”), a Spanish company, with NIF B65152100, with fiscal address at C/ de la Llotja, sn, VIT, 08500 Vic, Barcelona, Spain and registered in the Barcelona Commercial Registry, Volume 41388, Folio 9, Sheet B392505, Entry 1.

This Service Agreement (hereinafter “Agreement”) will broadly explain our obligations as service providers and your obligations as a User of the program (hereinafter “User”).

Conductiva will understand that any User who uses the service has read and accepted this Service Agreement and has sufficient capacity to enter into this Agreement.

The Data Processing Agreement, which governs the processing of the personal data that the User enters into the service and which the User accepts together with this Agreement, forms an integral part of this Agreement.

Conductiva reserves the right to update and modify the Service Agreement, as well as the rest of the conditions under which the service is provided. The current version will always be available at www.facturadirecta.com/legal/acuerdo. When a modification is substantial and may adversely affect the User, Conductiva will give at least 30 days’ notice through the service itself or by email; if the User does not agree with the modification, they may choose not to renew their subscription or to delete their account before it takes effect.

This Agreement will be valid from the date on which the Agreement acceptance checkbox is ticked.

What services does Conductiva offer?

Conductiva makes available to freelancers and SMEs a set of web Services that facilitate the management of billing, accounting, taxes and expenses/purchases, together with complementary financial or legal services, which are described in more detail at this link. These services will be provided through the “FacturaDirecta” product.

All data entered into accounts, both manually and through imports, is the sole and exclusive property of the User who owns the account. FacturaDirecta will limit itself to recording the data in an orderly manner and displaying it. Under no circumstances will the data contained in the accounts become the property of FacturaDirecta, nor will it be commercialised, nor will it be used in a way different from that already known by the User and for which they entered the data.

Bank aggregation: For the use of some of these features, the User requests FacturaDirecta to obtain, in the User’s name and on the User’s behalf, the information on their balances and positions corresponding to the services contracted by the User with financial institutions and with other financial and non-financial providers that make it available to the User through the Internet. To do so, the User will have to provide FacturaDirecta with the personal read-only keys that enable access to the information at each of the institutions that manage the accounts they wish to aggregate.

By providing the access keys, the User grants Conductiva the ability to access the websites of the linked institutions and to request this information in the User’s name and on the User’s behalf, without FacturaDirecta being authorised under any circumstances to carry out any order or act of disposal in such accounts. The connection with the institutions is made through authorised bank aggregation providers, identified in the list of sub-processors.

In some cases, the institutions do not allow the information to be integrated into aggregation systems, which will prevent such accounts from being aggregated. Conductiva will not be able to provide the Service in respect of the information from such institutions.

Conductiva will access the websites of the linked institutions and obtain the information corresponding to the User’s accounts through a process that Conductiva triggers daily or at another frequency, aggregating it and keeping it accessible to the User.

Conductiva will reflect the information from the linked accounts as it is available on the websites of the institutions that provide it, without checking its veracity or currency and without altering it or making any changes. Conductiva does not request, nor should the User supply under any circumstances, the keys or systems established by the institution for carrying out transactions.

Conductiva aggregates the data obtained from the institutions, organising and analysing it so that the User can reconcile the payments and receipts from their bank with the sales and purchase/expense invoices in FacturaDirecta.

At any time, the User can revoke the consent given for the use of the read-only access keys, simply by clicking on the “Disconnect from bank” option in the same “Banks” tool.

Expense inbox and Google Drive: In addition, Conductiva may offer the possibility of linking FacturaDirecta with a Google Drive folder belonging to the User or of receiving documents through an expense inbox email address. These options will copy those files to FacturaDirecta and process them to extract the information needed to load those same documents in a readable format that allows them to be correctly accounted for within the program.

Issuing invoices with VeriFactu: FacturaDirecta offers the possibility of issuing invoices that comply with the VeriFactu electronic invoice verification system of the Spanish Tax Agency (AEAT). The User can operate in the submission mode (VERI*FACTU), in which the invoicing records are sent automatically to the AEAT and the invoices include the verification QR code required by the regulations, or in the non-submission mode, in which the invoicing records are generated, signed and chained without automatic sending, remaining available to the AEAT in the event of a request.

The invoicing records generated, with their hash and chaining, are kept in the User’s account and can be consulted and exported from the program itself.

To use the submission mode through FacturaDirecta’s digital certificate, it is an essential requirement that the User grant Conductiva a power of attorney at the Spanish Tax Agency. This power of attorney is necessary so that Conductiva can act in the name and on behalf of the User before the AEAT, sending the invoicing information required by the VeriFactu system and thus complying with current legislation.

The User may manage and revoke this power of attorney at any time through the AEAT’s electronic office. If the User does not wish to grant this power of attorney, they may choose to use their own digital certificate for issuing invoices with VeriFactu, without needing to grant a power of attorney to Conductiva.

Electronic invoicing to public administrations (FACe): FacturaDirecta allows you to generate invoices in Facturae format and submit them to FACe, the General Entry Point for Electronic Invoices of the General State Administration and of the administrations that have joined it. Facturae invoices must be electronically signed. The User can sign them with their own digital certificate, by configuring it in the account, or submit them with FacturaDirecta’s signature: in this case Conductiva signs the invoice as a third party, in the name and on behalf of the User, in accordance with Article 5 of Royal Decree 1619/2012, of 30 November, approving the Regulation on invoicing obligations. By submitting an invoice to FACe without having configured their own certificate, the User expressly authorises Conductiva to sign it in this way.

Signing by a third party does not make Conductiva the issuer of the invoice: the User remains the issuer and the sole party responsible for its content, its numbering and the tax obligations arising from it. Each submission is recorded in the account, together with the user who made it and the signing method used, and the User may choose at any time to use their own certificate.

Client portal and online payments: FacturaDirecta allows you to share invoices and other documents with their recipients through a web portal and, if the User enables it, to collect payment for them online. Payments are processed through a payment service provider (currently Stripe): the payment method details are collected and processed directly by that provider and are not stored in FacturaDirecta.

Sending documents by email: Documents are sent by email through Conductiva’s email delivery provider or, if the User configures it, through the User’s own SMTP server. In the latter case, the sending is carried out with the User’s credentials and under the User’s responsibility.

Public API and integrations: FacturaDirecta offers a public API and connections with third-party services (such as Zapier or e-commerce platforms) that the User can enable voluntarily. Use of the API is subject to this Agreement and to reasonable technical limits intended to preserve the quality of the service. When the User connects a third-party service, the data is communicated to that service under the third party’s conditions and by the User’s decision.

Likewise, we may offer you access to services identified as “beta” or pre-release services. These services are still under development, so they may contain programming defects or errors, may lack features, may change significantly before their definitive commercial launch, or may never be launched on the market. We offer beta services in the state they are in, without any warranty of any kind and without any right to claim, so any use you make of, or reliance you place on, beta services is at your own risk.

What availability does FacturaDirecta have?

The service will be provided 24 hours a day, 365 days a year during the term of the agreement.

Conductiva guarantees Service availability of 99.9%. In the event of actual unavailability below this service level, the following penalties will apply:

<99.9% monthly availability -> 5% refund of the monthly amount
<99% monthly availability -> 25% refund of the monthly amount
<98% monthly availability -> 50% refund of the monthly amount
<96% monthly availability -> 75% refund of the monthly amount
<90% monthly availability -> 100% refund of the monthly amount

Network downtime will be counted from the moment the User notifies Conductiva of the fault by any of the means indicated in this Agreement.

Users will not receive any compensation for possible non-operation of the service when:

It is directly caused by the User’s activity or resources. Maintenance tasks are being carried out. In this case the User will be notified in advance using the notification system visible after logging into the Service itself, as the main communication channel, or even through posts on the FacturaDirecta blog (if deemed necessary) (https://www.facturadirecta.com/novedades/). Other causes not directly attributable to Conductiva (force majeure…).

Is my data safe in FacturaDirecta?

Conductiva has implemented all the technical and organisational systems and measures within its reach, as provided for in the personal data protection regulations, to prevent the loss, misuse, alteration, unauthorised access and theft of the personal data provided by the User or visitor.

All communications with FacturaDirecta are carried out over a secure channel using TLS encryption, the same level of security used by the most advanced banks, with certificates issued by recognised certification authorities.

FacturaDirecta’s servers are hosted within the European Union, on Google Cloud and Amazon Web Services infrastructure, guaranteeing high security standards (physical security of the facilities as well as backups, network security and storage service security).

Access credentials to the program are stored irreversibly to guarantee their confidentiality, and the read-only access keys to the Users’ financial institutions are always stored encrypted.

Personal data protection

In providing the service, Conductiva processes two different types of personal data:

Your data as a User (the registration, contact and billing data of your relationship with Conductiva). In respect of this data, Conductiva is the controller and applies the Privacy policy.
The personal data you enter into the service (data of your customers, suppliers, employees or other third parties). In respect of this data, you are the controller and Conductiva acts as processor on your behalf. This processing is governed by the Data Processing Agreement, which forms an integral part of this Agreement.

The providers involved in delivering the service as sub-processors, with their purpose and location, are published and kept up to date in the list of sub-processors.

How is the FacturaDirecta service contracted?

Plans and modules: Conductiva offers different subscription plans and additional modules that extend the features of the contracted plan. The current features, capacities and prices of each plan and module are, at all times, those published on the pricing page at https://www.facturadirecta.com/pequenos-negocios/precios/. Contracting and each renewal are governed by the conditions published on that page at that time. If the User exceeds any of the limits of their plan, they must adapt to the contracted capacity or contract a plan or module with greater capacity.

Additional modules: Modules are contracted on top of a plan and can be added or removed at any time from the account administration area. Adding a module takes effect immediately: the first time a module is activated it is not charged until the next renewal, and if it is reactivated after being removed, the proportional part up to that renewal is charged. Removing a module takes effect at the next renewal: the module remains active until the end of the period already paid and does not generate any refund. When a module ceases to be active, the associated features are no longer available, but the data entered with them is kept in the account and can still be exported.

Contract period: Plans can be contracted monthly or annually. Annual contracting means a more favourable price for the User. There is no minimum term beyond the contracted period already paid.

Trial period: All accounts will always have a 30-day free trial. No charge will be made during the free trial period, even if a paid plan has been configured.

Payment method: The User can pay for their plan by credit card directly from their account. Conductiva may enable other payment methods in the future. These other payment methods may be subject to a series of additional conditions that the User will have to accept before using them.

Currency: Payments will be made in euros (EUR) unless otherwise indicated on the contracting page or on the invoice itself. The plan amount must be paid in advance, as this is a condition for the contracted plan to be activated in the User’s account.

Taxes: All prices shown both on www.facturadirecta.com and in the program are always exclusive of taxes, unless otherwise indicated. The User will be responsible for the payment of any tax.

By default, Value Added Tax (VAT) will be applied to all products. The User must inform Conductiva if they are exempt from or not subject to VAT and provide a valid certificate issued by the competent tax authority so that invoices are issued in accordance with their situation.

Contracting: To contract any paid plan, you just have to follow these instructions (https://help.facturadirecta.com/tu-suscripcion/contratar-un-plan)

Advertising: Accounts that are on the free plan or in the trial period and have not yet configured a paid plan may show a FacturaDirecta advertising line in the generated documents.

Modifications and/or updates: Conductiva may modify the capacities, features and prices of the plans and modules. Changes will never affect the period already paid: they will apply, at the earliest, from the next renewal. When a change involves a price increase or a substantial reduction in the capacities of the contracted plan or module, the User will be notified at least 30 days before the renewal at which it becomes applicable, so that they may choose not to renew.

What is the duration of the agreement?

The contract will have the same duration as the service, unless the regulations provide otherwise in relation to any of the terms of this Agreement.

This Agreement binds Conductiva and the User who accepts it and cannot be assigned unless the new beneficiary accepts the conditions of this Agreement and the previous User remains responsible for the obligations undertaken in the Agreement before such assignment. Any other attempt at assignment or transfer will be considered null and void.

What is the duration of the service?

FacturaDirecta has no minimum contract term. You can stop using the program at any time, as well as delete your account and all your data from our servers.

The program can be contracted either annually or monthly, and Conductiva will offer the service during the contracted period and even after it ends, adapting to the capacities of the free plan we offer.

Deleting the account or changing to a lower plan will not generate any right to a refund of the amount already paid. If the contract is cancelled and the contracted period has not yet been used up, no proration of that time will be made, nor will the remaining amount be refunded, but it can always be enjoyed until it is fully used.

At the end of the paid period (month or year), the Service will be renewed automatically for a period equal to the previous one.

Likewise, the User who administers the account may choose not to renew, change the contracted capacities of the service or delete their account at any time using the “Do not renew subscription” or “Change subscription” option in the Account Administration area accessible from the service itself, or “Delete company” from the access panel.

What happens with plan changes and renewals?

Plan changes (changes in the capacities of the contracted service) can be requested at any time from the Account Administration area and are applied according to the following rules:

Upgrading your plan takes effect immediately. The User pays the proportional part of the price difference corresponding to the time remaining until the next renewal; depending on the amount, it is charged at the time of the change or included in the next invoice. If that charge cannot be completed, the change may remain pending until the payment is made or authorised.
Downgrading your plan takes effect at the next renewal. The User keeps the contracted plan until the end of the period already paid, without any refund, and may cancel the downgrade as long as it has not yet taken effect.
Changing the billing frequency (from monthly to annual or from annual to monthly) takes effect at the next renewal, without proration. If it is requested together with an upgrade, the plan is upgraded immediately and the frequency changes at the renewal.

During the trial period, the chosen plan can be changed free of charge: the first charge is made at the end of the trial with the plan selected at that time.

Service renewals will take place automatically for successive periods upon expiry. Both parties agree that they may, unilaterally, at any time and for any reason, decide not to continue with the automatic renewal of the Services.

Promotions and discounts

From time to time, promotions or discounts associated with advertising campaigns will be enabled.

They will have a validity date, a duration and specific conditions described in the different promotional campaigns.

As a general rule, promotions and discounts will have no retroactive effect nor will they be converted into cash. They will always mean a lower cost for the services provided by FacturaDirecta.

To apply them, you only need to enter the code at the time of contracting and it will be applied automatically. If the promotional code or discount is not active, you will be notified on the contracting page itself.

FacturaDirecta reserves the right to modify or withdraw any promotion or discount at its sole discretion, undertaking to give 3 months’ notice through its website.

Users who still have a benefit derived from a promotion pending application after its cancellation will continue to have it applied until it is fully used up. Under no circumstances will the benefit be lost if it had been acquired before the cancellation.

FacturaDirecta reserves the right to cancel the service if it detects fraudulent use of the service or of the promotions, as well as to take the appropriate legal action if the act constitutes a criminal offence.

Friend plan

This is a promotional campaign that lets you get one month of your FacturaDirecta fee free for each new user you bring in who contracts the service. The person you have recommended will also get one month of service free.

It is a type of promotion, so the conditions described in the previous section apply to it.

As it is a promotion intended to remain in place for some time, it has some other conditions to bear in mind:

Requirements: It is essential that the coupon be entered at the time of contracting, as it is not possible to add it later.
Application: The free month will be applied to future renewals. Never with retroactive effect, nor will it be converted into a cash payment.
Incompatibilities: The friend plan promotion cannot be combined with, and is not compatible with, other existing promotions.
Transfer: The reward is non-transferable, so it can only be applied to the accounts of the users who generated the benefit.

50% discount for being an Abaq client

Clients of the accountancy service Abaq will have by default a 50% discount on all FacturaDirecta plans simply for being Abaq clients.

This discount has the following particular conditions:

Requirements: It is essential that you are registered with Abaq with an active subscription and no outstanding payments in order for the discount to be applied.
Application: The discount will be applied to future renewals of any of the available paid plans. Never with retroactive effect, nor will it be converted into a cash payment, and it will not apply to additional services.
Incompatibilities: If the FacturaDirecta account has any promotion or reduction, the 50% will be applied to the already reduced amount. This discount is compatible with the annual payment discount.
Transfer: The reward is non-transferable, so it can only be applied to the accounts of the users who generated the benefit.

Fair use of unlimited services

Some capabilities of the paid plans are offered without a set limit (for example, automatic document scanning or, on the Diamond plan, invoice creation). These capabilities are intended for the normal, everyday use of a business, not for manifestly disproportionate uses or uses unrelated to the normal activity of an SME (such as reselling the service, automated mass generation unrelated to a real activity, or any use that degrades the service for other users).

If FacturaDirecta detects a manifestly disproportionate use, it will contact the user to analyse the case and agree on a solution before applying any limitation. No block will ever be applied without prior notice.

Automatic scanning of invoices and receipts

Automatic scanning is performed unattended (with no subsequent manual validation by FacturaDirecta). Specialised technology providers, including artificial intelligence services, are used to extract the data; they act as processors or sub-processors and are identified in the list of sub-processors. The automatic scanning system may contain errors in the transcription of the data from the scanned invoices. In such cases, the user is responsible for checking that the data is correct and correcting any errors manually.

The automatic scanning of invoices and receipts included in the paid plans is offered without a set limit, subject to the fair use of unlimited services clause described in this agreement.

Automatic invoice scanning is optimised for reading invoices with VAT and IRPF taxes.

Is it possible to back out after contracting a plan?

Of course. As with any other online purchase, you have 14 calendar days to withdraw from the contract.

To do so, you can request a refund of the subscription amount from within the account, using the help icon in the top right-hand corner (this is the quickest way, because it lets us check directly that the request is legitimate), or by any other unequivocal statement addressed to Conductiva, for example by email to info@facturadirecta.com from an address associated with the account. If the request arrives through a channel that does not allow us to verify the identity of the requester, we may ask you for additional confirmation before processing it.

For what reason can the Agreement be terminated?

In addition to the legally recognised causes (mutual agreement…), either party may suspend performance of or terminate this Agreement if (i) the other party materially breaches the Agreement and does not remedy the breach within thirty days of receiving written notice, (ii) the other party ceases its business operations or becomes subject to insolvency proceedings and such proceedings are not dismissed within ninety days, or (iii) the other party materially breaches this Agreement more than twice, regardless of whether such breaches are remedied.

In the event of termination of this Agreement:

The rights granted by one party to the other will cease with immediate effect (unless otherwise provided in this Section), Conductiva will provide you with your data, as well as the ability to export it free of charge, during the retention period described in this Agreement, Once that period has elapsed, Conductiva will delete the User’s Data as provided in the following section, Each party will immediately use all commercially reasonable efforts to return or destroy any other Confidential Information of the other party, if so requested.

And what happens to the data in my account if I stop using the service?

At any time, the User may request the export, via chat or email, of all the data contained in their FacturaDirecta account in a structured, commonly used, machine-readable and interoperable format (for example, JSON or other standard formats). This export is free of charge. In addition, the program itself allows you to export the main data sets directly (documents, contacts, accounting and invoicing records).

While the account remains operational, all data entered into the accounts will be kept intact. That data will only be deleted if one of the Users deletes it manually or if complete deletion of the account is requested.

When an account is deleted, it immediately ceases to be accessible and its data is kept blocked for a maximum period of 18 months from deletion, after which it is permanently erased. During that period, the User may request the reactivation of the account or the export of their data, as well as request early erasure, which will be carried out unless there is a legal obligation to retain the data.

As an exception, any data that Conductiva must retain under a legal obligation (for example, the invoicing records generated by the VeriFactu or TicketBAI systems, or the information needed to meet tax, commercial or fraud prevention obligations) will be kept blocked for the periods required by the applicable regulations, and solely at the disposal of the competent administrations and bodies.

What happens if any of the provisions ceases to be applicable or is modified?

The change or inapplicability will only apply to that provision; the rest will remain in force under the same conditions under which the Agreement was accepted.

Does Conductiva assume direct or indirect liability for the use of the Service?

Conductiva will not be liable for non-compliance with this Agreement if it is due to causes beyond its control, whether technical, security-related or otherwise. The User releases Conductiva from any loss or damage they may suffer as a consequence of this type of non-compliance.

Furthermore, Conductiva will not be liable, directly or indirectly, for any damage caused because the content of the tax forms generated and filed, the reports… or any other current or future feature offered by Conductiva is not correct, accurate or complete.

What obligations do I have as a User of the Service?

The User is obliged to use the Service appropriately, never to use third-party access keys under any circumstances, to maintain the confidentiality of the Service access keys and to update or cancel their personal financial aggregation keys.

The User will use all commercially reasonable efforts to prevent unauthorised use of the Service and to stop any unauthorised use. The User will immediately inform Conductiva of any unauthorised use of or access to the Service of which they become aware.

The User undertakes not to use the program’s functions to send unsolicited email (spam) or any other form of non-consensual mass communication. This includes, but is not limited to, the use of the billing tools, customer management or any other Service functionality to send commercial or promotional messages without the express consent of the recipient.

Unless Conductiva specifically agrees in writing, the User may not sell, resell or lease the Service to a third party or take any equivalent action (unless explicitly authorised in this Agreement), attempt to reverse engineer the Service or any of its components, or attempt to create a substitute or similar service through the use of or access to the Service.

If the User becomes aware of any infringement, whether of the law or of this Agreement, they must notify Conductiva as soon as possible so that appropriate action can be taken.

Until the facts that gave rise to the infringement notification are clarified, the account will remain suspended, but with all the data it contains intact.

Intellectual and Industrial Property

All procedures, functionalities, software, brands or distinctive signs, images, photographs, graphics, text, audio and video files and other contents of the Services are protected by intellectual and industrial property laws; they may not be modified, copied, altered, reproduced, adapted or translated by the User or by third parties without the express authorisation of the respective legitimate owners of such contents.

Under no circumstances will making these contents available to Users imply the assignment of their ownership or of any right of use or exploitation in favour of the User other than the use involved in the legitimate use of the Services in accordance with their nature.

What legislation and jurisdiction does this Agreement submit to?

The interpretation and performance of this Agreement are governed by Spanish law.

For the resolution of disputes, the parties submit, at their choice and waiving any other jurisdiction, to the courts and tribunals of the User’s domicile.

How can I contact Conductiva if I have doubts about any of the clauses of this agreement or about the use of the program itself?

Communications and notifications of incidents, suggestions, queries, etc. that arise during the term of the service will be made through the help service of the website and the program (chat) or by email to info@facturadirecta.com. Telephone support is not currently offered.

Our human support team is available during Spanish (mainland) business hours, Monday to Thursday from 9:00 to 17:00 and Fridays from 9:00 to 15:00. Messages received outside those hours will be reviewed when the team is available again.