Terms of Service

Last updated: March 11, 2026

These Terms of Service ("Terms") govern your access to and use of the Custodita platform at custodita.com (the "Service") operated by Custodita ("we", "us", or "our"). By using the Service, you agree to be bound by these Terms.

1. Description of Service

Custodita is a platform for creating, signing, and managing SEPA Direct Debit mandates digitally. The Service allows creditors to:

  • Create digital SEPA mandates and send signing links to debtors
  • Collect electronic signatures with full audit trails
  • Generate signed PDF documents with cryptographic integrity verification
  • Import and manage existing paper-signed mandates
  • Track mandate lifecycle, usage, and expiration

Custodita is a mandate management tool. We do not process payments, initiate debits, or act as a payment service provider.

2. Account Registration

  • You must provide accurate and complete information when creating an account.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • You must notify us immediately of any unauthorized access to your account.
  • You must be authorized to act on behalf of the business entity you register.
  • One account corresponds to one legal entity (creditor).

3. Acceptable Use

You agree to use the Service only for its intended purpose: managing SEPA Direct Debit mandates. You shall not:

  • Use the Service for any illegal or unauthorized purpose
  • Submit false or fraudulent mandate data
  • Attempt to access another user's account or data
  • Use the Service to send unsolicited communications (spam)
  • Interfere with or disrupt the Service or its infrastructure
  • Reverse engineer, decompile, or attempt to extract the source code of the Service

4. Your Responsibilities as a Creditor

As a creditor using the Service, you acknowledge and agree that:

  • You are solely responsible for the accuracy of the mandate data you enter.
  • You must have a valid SEPA Creditor Identifier issued by your bank.
  • You are responsible for compliance with the SEPA Direct Debit scheme rules applicable to your mandates.
  • You must inform debtors about how their data will be processed, in accordance with applicable data protection laws.
  • You are responsible for retaining mandates as required by the SEPA scheme rules and your agreement with your bank.
  • Custodita facilitates mandate management but does not guarantee acceptance of mandates by banks or payment service providers.

5. Electronic Signatures

The Service provides a simple electronic signature mechanism for SEPA mandates. By using the signing feature:

  • You acknowledge that the electronic signature consists of a drawn signature image, combined with IP address, timestamp, and user agent logging.
  • Each signed document includes a SHA-256 hash for integrity verification.
  • The validity and enforceability of electronic signatures may vary by jurisdiction and by the debtor's bank. Custodita does not guarantee that any particular bank will accept an electronically signed mandate.
  • For SEPA B2B mandates, additional signature requirements may apply. You are responsible for ensuring compliance with the applicable scheme rules.

6. Data and Content

  • You retain ownership of all data you submit to the Service.
  • You grant us a limited license to process, store, and display your data solely to provide the Service.
  • We will process personal data in accordance with our Privacy Policy and applicable data protection laws.
  • You may export your data at any time using the CSV export feature.

7. Service Availability

  • We aim to provide the Service with high availability but do not guarantee uninterrupted access.
  • We may suspend the Service temporarily for maintenance, updates, or security reasons.
  • We will make reasonable efforts to notify users in advance of planned downtime.

8. Pricing and Payment

  • The Service offers free and paid plans as described on our pricing page.
  • Paid plan pricing may change with 30 days' notice.
  • You may upgrade, downgrade, or cancel your plan at any time.
  • Refunds are handled on a case-by-case basis.

9. Limitation of Liability

To the maximum extent permitted by applicable law:

  • The Service is provided "as is" without warranties of any kind, express or implied.
  • We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
  • Our total liability for any claim related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim.
  • We are not liable for any losses resulting from a bank's rejection of a mandate, payment failures, or chargebacks.
  • We are not liable for the actions or omissions of debtors who sign (or fail to sign) mandates through the Service.

10. Account Termination

  • You may close your account at any time.
  • Upon account closure, your data will remain accessible for 30 days, after which it will be permanently deleted.
  • We may suspend or terminate your account if you violate these Terms, with notice where reasonably possible.
  • Termination does not relieve you of your obligations as a creditor under the SEPA scheme rules.

11. Changes to These Terms

We may update these Terms from time to time. We will notify registered users of material changes via email at least 30 days before the changes take effect. Continued use of the Service after the changes take effect constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Spain. Any disputes arising from these Terms or the use of the Service shall be subject to the exclusive jurisdiction of the courts of Madrid, Spain.

13. Contact

For questions about these Terms:

Email: [email protected]