Terms of Service

Version 2026-08-11

Effective 11 August 2026 · Last updated 11 August 2026 · previous version

These Terms of Service (these “Terms”) constitute a binding agreement between Phineworks Inc. (“Phineworks”, “we”, “us”, or “our”), which operates the Straightbill platform and its related websites and services (the “Service”), and the business that registers for or uses the Service (“Shop”, “you”, or “your”). Capitalized terms have the meanings given to them where they first appear.

1Agreement and acceptance

These Terms are an agreement between you — and the business you register on behalf of, if that is a different person — and Phineworks.

You accept these Terms when you create an account. The sign-up screen presents them directly above the control that creates the account, and we record which version you accepted and the date of acceptance. If you accept on behalf of a business, you represent that you are authorized to bind it, and “you” refers to that business.

Together with the Privacy Policy and the Cancellation Policy, each of which is incorporated into these Terms by reference, these Terms constitute the entire agreement between the parties regarding the Service.

2Eligibility and business use

You must be 18 years of age or older and able to enter into a binding contract. The Service is provided solely for business use — it is a tool for operating a trade business, and not for personal, family, or household purposes — and you represent that you are acquiring it for your business.

You are responsible for safeguarding your credentials and for all activity under your account. Notify us at support@straightbill.com if you believe your account has been accessed without authorization.

3Subscription, trial, fees, and renewal

Free trial. Your first week is free, and no charge is made during it. If you cancel before the trial ends, you are not charged.
Fees. After the trial, the subscription is US$29 per month or US$290 per year, per business.
Automatic renewal. The subscription renews automatically at the end of each billing period — monthly, or annually on the annual plan — at the then-current rate, and continues to renew until you cancel. You authorize us to charge your payment method for each period until you cancel.
Timing. Fees are billed in advance, on the anniversary of the date you started, or the nearest available date in a shorter month.
Taxes. Fees are exclusive of taxes, which are added where the law requires and are your responsibility.
No gating or caps. Every feature of the Service is included in the subscription. No feature is withheld for a higher tier, and there is no limit on the number of estimates or invoices you may send.

Annual renewal notice. No fewer than 15 and no more than 45 days before an annual subscription renews, we will email you to state that the renewal is upcoming, its cost, and how to cancel.

Price changes. We will give at least 45 days’ notice by email of any change to the price of your subscription, and you may cancel before the change takes effect. A price change never applies to a period already paid for.

Failed payment. If a payment fails, we will retry it and notify you. If it remains unresolved after 14 days, the subscription is suspended. Suspension is not deletion (see section 12), and the links your customers already hold continue to function.

4Cancellation

You may cancel at any time from a control in Settings. Cancellation takes effect immediately, and the exact end date is shown before you confirm; you retain full access until that date. Fees for a period already paid for are not refunded. The details, and the exceptions we honor, are set out in the Cancellation Policy, which is incorporated into these Terms.

5Payments your customers make to you

Card and bank payments are processed by Stripe, Inc. (“Stripe”), into a connected Stripe account held in your own name.

Funds settle to you. Payments settle into your own connected account and to your bank. They do not pass through, and are not held in, any account belonging to us, and we cannot hold, delay, or freeze them.
Our fee is a flat 0.5% of each payment, in addition to Stripe’s own rate. You pay Stripe’s published rate, which Stripe sets and may change, and Phineworks collects 0.5%, deducted automatically at the time of payment and disclosed on the payments screen before you enable the feature. Both amounts are itemized in your Stripe dashboard.
Our fee is returned on a refund. If you refund your customer, our 0.5% is returned in proportion to the amount refunded; the same applies if you lose a chargeback. You are not left paying us for money you have returned.
Stripe’s agreement applies. Using payments requires your acceptance of Stripe’s Connected Account Agreement in addition to these Terms. Stripe determines whom it will serve, and we cannot overturn its decisions.
Refunds, chargebacks, and disputes with your customers are yours to handle. Beyond returning our own fee, we are not a party to the underlying sale, take no position on it, and cannot reverse a customer’s payment on your behalf or theirs.
Charging the correct amount and tax, and performing the work behind an invoice, are your responsibility.

6Your responsibilities

The Service is a tool; what you put through it is your business. You are responsible for the following.

That the prices, taxes, and terms on your documents are correct and lawful where you operate.
That you hold the licenses, registrations, and insurance your trade requires. We display a license number; we do not verify it.
That you have the right to hold the customer information you enter, and to send documents to the recipients you send them to.
That any consent the law requires before you contact your customers is obtained and honored by you — including under the Telephone Consumer Protection Act (TCPA), the A2P 10DLC messaging rules, and the CAN-SPAM Act — whether the message is sent by email or, where we offer it, by text. We transmit on your instruction; the underlying permission, and the honoring of any opt-out, are yours.
That you perform the work you have billed for.
Retaining your own copies of anything you cannot afford to lose. You may request an export at any time.

Prohibited uses

You may not use the Service to defraud any person, to bill for work not performed, or to violate any law. You also may not:

resell the Service, or provide access to it to any person outside your business;
copy, reverse engineer, or use the Service to build a competing product;
upload malicious files, or any content you do not have the right to upload;
probe, scrape, overload, or interfere with the Service or its security;
send unlawful, deceptive, or unsolicited messages through the Service; or
circumvent any limit, lock, or suspension.

7Our commitments

The following are contractual commitments, not marketing statements, and we consider ourselves bound by them.

No caps. We will not introduce a limit on the number of estimates or invoices you may send.
Self-service cancellation. We will not place cancellation behind a telephone call, an email, or a retention process.
Durable access to your documents. Every estimate and invoice retains a stable link for as long as your account exists, including while it is suspended for non-payment. After deletion, see section 12.
Data export. On request, we will export your data at any time, including after cancellation and before deletion.
Fees disclosed plainly. We will not bury a charge.
No sale of, or training on, your data. We do not sell your data, and we do not use it to train any model.

We aim to keep the Service available and to inform you when it is not. We do not offer a formal uptime guarantee, and we prefer to say so rather than promise one we have not built the operations to honor.

8Your customers’ information

With respect to information about your customers that you enter into the Service (“Customer Data”), you are the controller and Phineworks is your service provider and processor. You determine what Customer Data is entered and for what purpose. The following are contractual commitments.

We process Customer Data only to provide the Service to you, and only on your documented instructions.
We do not sell it, and we do not share it for cross-context behavioral advertising, as those terms are defined under the California Consumer Privacy Act as amended (the “CCPA/CPRA”).
We do not retain, use, or disclose it for any purpose other than providing the Service, and we do not combine it with information obtained from any other source.
Personnel of Phineworks and of our Subprocessors who can access it are bound to keep it confidential.
We will assist you in responding to a request from one of your customers to access, correct, or delete their information.
When your account ends, we delete it on the schedule set out in the Privacy Policy.

We understand these restrictions and will comply with them.

9Indemnification

You will indemnify and hold harmless Phineworks from and against any claim brought by a third party — including one of your customers, a regulator, or any other person — and any resulting losses, costs, and expenses, including reasonable legal fees, arising out of or relating to your Customer Data, your use of the Service, the work you billed for, the documents or messages you sent, or your breach of these Terms.

We will notify you promptly, permit you to assume the defense with counsel of your choosing, and cooperate with you. You may not settle any matter in a way that admits liability on our behalf, or that imposes any obligation or cost on us, without our prior consent.

This section does not apply to our own fraud, gross negligence, or willful misconduct, which remain our responsibility.

10Services we depend on

The Service operates on infrastructure provided by other companies — for payments, hosting, database, and email (each, a “Subprocessor”). We identify them, by category, in the Privacy Policy. We select them with care and are answerable for that selection.

We are not answerable for a Subprocessor’s outages, for its decisions regarding your account with it, or for changes to its terms or pricing. If Stripe declines or closes your connected account, that is a matter between you and Stripe; we will help you understand it, but we cannot overturn it.

11Intellectual property; ownership of data

Your data is yours. Your business details, your customers, your documents, and your prices remain yours. We claim no ownership of them, we do not use them to train any model, and we do not sell them. We hold them to operate the Service for you. We may compile aggregate measurements — such as how many invoices are sent, or how long a page takes to load — where the result identifies neither you nor any individual.

License to operate the Service. To provide the Service, you grant us the permission we need to store your content, copy it between our systems, transmit it to the recipients you designate, and display it to you and to them. You grant this permission for those purposes only. It continues while your account exists and ends when your data is deleted. It does not permit us to publish your work, disclose it to anyone you have not sent it to, sell it, or use it to train any model.

Our intellectual property. The Straightbill software, design, and name remain the property of Phineworks. While you are subscribed, you may use the Service to operate your business; you may not copy it, resell it, or provide access to it to any person outside your business.

Feedback. If you provide suggestions for improving the Service, we may use them without obligation to you.

12Suspension, termination, and data handling

You may terminate at any time under section 4. We may suspend or terminate an account that is unpaid, or that is used for fraud, abuse, or any unlawful purpose.

Wherever practicable, we will state the reason and give you an opportunity to cure it first. That is our default. We act first and explain afterward only where delay would cause real harm — an active security threat, ongoing fraud, abuse of the email we send on your behalf, or where the law or a Subprocessor requires immediate action. In such a case, we will notify you as soon as we are able, and we will restore the account if we acted in error.

When an account ends, the data is retained for 90 days and then deleted, on the schedule set out in the Privacy Policy. You may export everything yourself at any point within that window, and if you request deletion sooner, we will delete it. After deletion, the links you sent your customers cease to function, so retain any PDFs you require before then.

13Disclaimers

Please read this section.

The Service is provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, title, non-infringement, and accuracy, and any warranty arising from a course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any output will be correct.

We work to ensure correctness — of money arithmetic in particular — and prefer to state the limits rather than imply there are none.

No professional advice. The Service is a tool. It does not provide legal, tax, accounting, licensing, or other professional advice, and it is no substitute for your own judgment or that of your professional advisers. Tax rates you enter are yours to determine.

Backups. We store your data and work to keep it safe, but we do not warrant against its loss or corruption, and you should retain your own copies of anything you cannot afford to lose.

AI features. Certain features of the Service use artificial intelligence — for example, drafting a line item from a photograph or a spoken note. AI output may be inaccurate, incomplete, or entirely fabricated, and it may present as any of these convincingly. You will review and correct AI output before relying on it or placing it on a document, a price, or anything you send. AI output is not professional advice and is no substitute for your own judgment, and you remain responsible for everything that leaves your account, however it was drafted.

14Limitation of liability

To the fullest extent permitted by law, our total aggregate liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of US$100 or the fees you paid us in the three months preceding the event giving rise to the claim. This limit is a deliberate allocation of risk between two businesses, is reflected in the price of the Service, and applies in the aggregate and even if a limited remedy fails of its essential purpose.

We will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost or corrupted data, business interruption, or the cost of substitute software, even if advised of the possibility and even if a limited remedy fails of its essential purpose.

Nothing in these Terms limits liability for our own fraud, gross negligence, or willful misconduct, for death or personal injury caused by negligence, or for any liability that cannot be limited or excluded under applicable law.

15Force majeure

Neither party is in breach for a failure or delay caused by an event genuinely beyond its reasonable control, including a Subprocessor’s outage, a network or power failure, a natural disaster, an epidemic, war, or governmental action. This does not excuse us from paying attention, or from informing you of what is occurring and what we are doing about it.

16Changes to the Service

We will continue to develop the Service, and that entails change. We may add, modify, or remove features, and we may take the Service down for maintenance.

Where a change removes functionality you rely on, we will notify you before it takes effect and, where we reasonably can, leave you a means of exporting your work first. We will not, however, quietly withdraw any commitment in section 7; those are commitments, and changing the product is not a route around them.

17Changes to these Terms

Where we make a change that materially affects you, we will email you at least 30 days before it takes effect. Continuing to use the Service after that date constitutes acceptance; cancelling before the change takes effect means it does not apply to you. Prior versions remain available at their own dated links.

18Dispute resolution

Informal resolution first. Before either party commences a formal proceeding, each agrees to give the other written notice and 30 days to resolve the dispute informally. Most matters end here, and the attempt costs neither party anything.

Please read this section — it affects how any dispute is decided.

Binding individual arbitration. Any dispute not resolved informally will be settled by final and binding arbitration rather than in court, administered by JAMS under its rules, before a single arbitrator, seated in California. The Federal Arbitration Act governs this agreement to arbitrate. The arbitrator may award the same individual relief a court could.

Individual basis; class waiver. Any claim is brought only in your or our individual capacity. Neither party will bring or join a class, collective, consolidated, or representative action, and the arbitrator may not preside over one. If this class waiver is held unenforceable, this entire agreement to arbitrate is void and the dispute proceeds in the courts identified in section 19; a class action is never arbitrated.

Jury waiver. To the extent any dispute proceeds in court, each party waives any right to a trial by jury.

Small-claims and injunctive relief. Either party may bring a claim in small-claims court, and either party may seek injunctive relief in court to prevent the misuse of intellectual property or confidential information, in each case without first arbitrating or observing the 30-day period.

Opt-out. You may opt out of this agreement to arbitrate by emailing support@straightbill.com within 30 days of first accepting these Terms and stating that you opt out. Opting out affects nothing else in these Terms — the individual-basis and jury waivers above continue to apply — and will not affect your standing with us.

19Governing law and venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to section 18, the state and federal courts located in Santa Clara County, California have exclusive jurisdiction, and each party consents to that jurisdiction and waives any objection to that venue.

20General

Severability and reformation. If any provision of these Terms — including any limitation in sections 13 or 14 — is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and any limitation reduced to the maximum permitted by law, rather than struck out. The remaining provisions continue in full force.

Survival. Sections 5, 6, 8, 9, 11, 13, 14, 18, 19, and this section survive termination of your account.

Assignment. You may not assign these Terms without our written consent. We may assign them to an entity that acquires or merges with our business, or that acquires the Straightbill product; if we do, we will notify you, and the assignee assumes these Terms.

No third-party beneficiaries. These Terms are between you and us and confer no rights on any third party, including your own customers.

Electronic communications and notices. You agree to receive notices and other communications from us electronically — by email to the address on your account, in the Service, and, if you provide a mobile number or enable text messaging, by text — and that these satisfy any requirement that a communication be in writing. Service text messages may be sent using automated systems; message and data rates may apply and frequency varies; reply STOP to stop or HELP for help; and consent to texts is not a condition of using the Service. Notices to us are sent to support@straightbill.com. Keep your contact details current, as they are how we reach you regarding renewals, price changes, and security.

No waiver. Our failure to enforce a provision is not a waiver of it, and we may enforce it, and any other, later.

Export and sanctions. You represent that you are not located in an embargoed jurisdiction and are not identified on any U.S. government restricted-party list, and you will not access or use the Service from such a jurisdiction or export it to any such person.

Entire agreement. These Terms, together with the Privacy Policy and the Cancellation Policy, are the entire agreement between the parties regarding the Service, and supersede any prior statement made on our website, in an email, or by any person before you accepted them. In the event of a conflict among those documents, these Terms control.

21Contact

support@straightbill.com
Phineworks Inc.