Terms & Conditions

By accessing or using i-quote (the "Service"), available at i-quote.app, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use the Service.

These Terms apply to all users of the Service, including business owners ("Tenants"), their team members ("Users"), and their clients who access the customer portal ("End Customers").

By creating an account, you represent that you are at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or the business entity you represent.

i-quote is a multi-tenant, white-label invoicing and quote management platform that allows businesses to:

• Create, send, and manage professional invoices and quotes
• Accept online payments through Stripe Connect
• Manage customer relationships and records
• Generate branded PDFs of invoices and quotes
• Set up recurring invoices and automatic payment reminders
• Access reports and analytics on business performance
• Present quotes, invoices and payment pages under their own business name, logo and colours
• Invite team members with role-based access controls

The Service is provided on an "as-is" and "as-available" basis. We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice.

To use the Service, you must create an account by providing accurate and complete information including your business name and email address.

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring that all information you provide is accurate and up to date

We reserve the right to suspend or terminate accounts that provide false or misleading information, or that violate these Terms.

i-quote offers four self-serve subscription plans:

Free Plan ($0/month): Up to 3 invoices and 3 quotes per month, 1 user. Customer-facing pages show a small "Powered by i-quote" badge.

Starter Plan ($9.99/month): Up to 25 invoices and 25 quotes per month, 1 user, priority support.

Pro Plan ($24.99/month): Unlimited invoices and quotes, up to 3 users, priority support.

Multi-Business Plan ($99/month): Unlimited businesses under one login, unlimited invoices and quotes, up to 10 users, priority support.

• There is no free trial of paid plans. Every account starts on the Free plan, and a paid plan begins when you upgrade.
• Subscription fees are billed monthly in advance via Stripe.
• Monthly invoice and quote limits reset at the start of each calendar month (UTC).
• You may upgrade, downgrade or cancel at any time through the Stripe billing portal in Settings > Billing. Plan changes take effect immediately and Stripe prorates the difference. A cancellation takes effect at the end of the period already paid for, after which the account moves to the Free plan.
• Refunds are not provided for partial months or unused portions of a subscription.
• If payment fails, your account may be placed in a "past due" or "locked" status, restricting access to certain features.

i-quote uses Stripe Connect to facilitate payment processing between Tenants and their End Customers.

• When an End Customer pays an invoice, the payment is processed by Stripe and deposited directly into the Tenant's connected Stripe account.
• i-quote does not deduct a platform fee from card payments: your subscription is a flat monthly price. Stripe charges its own processing fee on card payments under your agreement with Stripe. Payments you record manually (for example cash or bank transfer) carry no fee.
• Stripe's standard processing fees also apply (see Stripe's pricing at stripe.com/pricing).
• i-quote does not store credit card numbers or sensitive payment data. All payment processing is handled securely by Stripe, which is PCI-DSS Level 1 compliant.
• By using Stripe Connect, you agree to Stripe's Terms of Service and Connected Account Agreement.

Each business account (Tenant) operates in a completely isolated environment:

• Your data (customers, invoices, quotes, payments) is separated from all other tenants using row-level security.
• No tenant can access another tenant's data under any circumstances.
• Team members can only access the businesses they have been invited to.

Tenants can invite team members with the following roles:

• Owner: Full access to all features including billing, team management, and account settings. The account creator is automatically assigned as Owner.
• Admin: Can create, edit, and manage invoices, quotes, customers, settings and billing, and view reports. Cannot change team members' roles or transfer ownership.
• Viewer: Read-only access to invoices, quotes, customers, and reports.

The Tenant Owner is responsible for the actions of all users they invite to their account.

You agree not to use the Service to:

• Send fraudulent invoices or quotes
• Engage in illegal activities or facilitate money laundering
• Distribute malware, spam, or harmful content
• Attempt to access other tenants' data or circumvent security measures
• Impersonate another person or business
• Use the Service in any way that could damage, disable, or impair our infrastructure
• Scrape, crawl, or use automated means to access the Service without permission
• Violate any applicable local, state, national, or international law

We reserve the right to suspend or terminate accounts that violate these terms without notice.

Our Property: The i-quote platform, including its design, code, features, documentation, and branding, is owned by i-quote and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from our platform.

Your Content: You retain ownership of all content you create on i-quote, including invoices, quotes, customer data, and business information. By using the Service, you grant us a limited license to store, process, and display your content as necessary to provide the Service.

Feedback: If you provide suggestions, feedback, or ideas about the Service, we may use them without obligation to compensate you.

To the maximum extent permitted by law:

• i-quote is provided "AS IS" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
• 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 claims arising from the Service shall not exceed the amount you paid us in the 12 months preceding the claim.
• We are not responsible for payment disputes between Tenants and their End Customers.
• We are not liable for service interruptions caused by third-party providers (Stripe, hosting providers, email services).

You agree to indemnify and hold harmless i-quote, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Any content you create or transmit through the Service
• Any dispute between you and your End Customers

You may cancel your paid subscription at any time from Settings > Billing; your account then continues on the Free plan. To close your account entirely, email support@i-quote.app or privacy@i-quote.app from the account's email address.

When an account is closed:

• Your access to the Service is revoked.
• Your data is deleted within 30 days of the request, except records we must keep by law (for example payment and tax records), which are kept only as long as the law requires.
• Encrypted backups may hold data for up to 30 further days before they expire.
• Any outstanding balance remains due and payable.

We may suspend or terminate your account at any time if you violate these Terms, with or without notice.

Any disputes arising from these Terms or the Service shall be resolved through:

1. Informal Resolution: Contact us at support@i-quote.app to attempt to resolve the dispute informally within 30 days.
2. Mediation: If informal resolution fails, the parties agree to attempt mediation before pursuing other remedies.
3. Governing Law: These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.
4. Jurisdiction: Any legal proceedings shall be brought exclusively in the courts of the State of Delaware.

We may update these Terms from time to time. When we make changes:

• The updated Terms will be posted on this page with a new "Last Updated" date.
• For material changes, we will notify you via email at least 30 days before the changes take effect.
• Your continued use of the Service after changes take effect constitutes acceptance of the new Terms.
• If you disagree with the changes, you may cancel your account before the new Terms take effect.

If you have questions about these Terms and Conditions, please contact us:

• Email: legal@i-quote.app
• Website: https://i-quote.app
• Support: support@i-quote.app