Terms of use
Updated November 14, 2026. These English terms describe the platform and its US-dollar workflow. The operator remains Multibrands.Software UG (haftungsbeschränkt), Germany.
1. Operator and scope
These terms apply to bilzup.com and its app, operated by Multibrands.Software UG (haftungsbeschränkt), Gimpelstr. 18, 49661 Cloppenburg, Germany (“BilzUp,” “we”). By registering, you agree to these terms.
2. The service
Registered users may submit unpaid bills (“applicants”), and other users may voluntarily cover them (“supporters”). The supporter provides the bill amount for payment to the issuer on the applicant's behalf. BilzUp arranges the payment to the issuer; applicants have no right to a personal cash payout.
BilzUp is not a charitable organization and does not issue charitable donation receipts. Users are responsible for the tax treatment of their payments. Publication and funding are not guaranteed. Applicants remain responsible to the issuer until their bill has actually been paid.
3. Accounts
Users must be adults with full legal capacity. Each person may have one account. Registration and verification information must be accurate and complete. Keep your account credentials confidential.
4. Verification and limits
Applicants must confirm their email and verify their identity using valid government-issued identification and a selfie. Additional address verification may permit higher bill amounts. Your account displays the current limits and permitted number of open bills. BilzUp may adjust limits and may decline a verification.
5. Applicant responsibilities
Submit only genuine, unpaid bills issued to you or your household. Issuer and payment details must match the bill and belong to the issuer. For US bills, provide USD amounts and the issuer's US bank details, not your personal bank account. If payment instructions are unclear, contact the issuer before submitting.
Withdraw a bill immediately if it is paid another way. Tell BilzUp if an issuer refunds or credits an amount funded through the service. Your story must be truthful and respect other people's rights. Fraudulent or already-paid bills can lead to account suspension and reporting to authorities.
6. Supporter payments
Supporters pay the displayed bill amount and any separately selected voluntary contribution through Stripe. Review the total and currency before confirming payment. New US bills are in USD; historical euro records keep their original currency. Stripe's applicable terms also apply.
Completing checkout authorizes BilzUp to arrange payment of the bill amount to the issuer. Checkout confirmation and the outgoing payment are separate events. The team normally arranges payment within five business days after funds are received; issuer processing may take longer. If a bill cannot be paid, for example because it is already settled or the bank details are incorrect, BilzUp refunds the supporter.
These are voluntary payments on behalf of applicants, not purchases of goods or services from BilzUp. Applicable statutory rights are unaffected. Contact us promptly about a payment problem.
7. Review and moderation
BilzUp reviews bills with reasonable care before publication but cannot eliminate every deception. We may edit titles or stories for length or privacy, reject or remove bills, and suspend accounts that breach these terms.
8. Liability
BilzUp is fully liable for intent, gross negligence, injury to life, body or health, and liability required by product liability law. For minor negligence affecting essential contractual duties, liability is limited to foreseeable damage typical of the contract. Other liability for minor negligence is excluded to the extent permitted by applicable law.
BilzUp does not guarantee that a supporter will cover a bill and is not responsible for late fees or other consequences of a bill remaining unpaid, subject to mandatory law.
9. Closing an account
You may delete your account through Account settings, subject to completing pending payments. BilzUp may terminate the agreement with two weeks' notice, or immediately for a material reason. Already-funded bills will still be processed for payment to the issuer.
10. Changes
BilzUp may change these terms for the future. Material changes are communicated by email at least four weeks in advance. Where permitted by applicable law, the notice may explain the effect of not objecting within that period.
11. Applicable law
German law applies. For consumers, this choice does not remove protections from mandatory rules of the country in which they ordinarily reside. If a provision is invalid, the remaining provisions continue to apply.
Questions?
Contact hello@bilzup.com.