Terms of Service

These Terms of Service govern your use of the Billow mobile application and this website (together, the “Service”, “Billow”, “we”, “us”). By downloading, installing, or using the Service, you agree to these terms. If you don’t agree, don’t use the Service.

Billow lets self-employed contractors and small service businesses create estimates and invoices, collect an electronic signature or decision from a client, and accept payment by card, cash, check, or bank transfer. Clients interact with a document through a web link and don’t need an account.

Billow is a tool for creating and tracking documents and payments. It doesn’t provide legal, tax, or accounting advice, and it doesn’t guarantee that any estimate, signature, or invoice meets the requirements of your jurisdiction or industry.

Billow creates an account automatically the first time you open the app, and organizes your data into a “workspace” tied to that account. You can later add an email address to recover access on a new device. You’re responsible for keeping access to your account and for all activity under it.

Free accounts are limited in the number of documents they can send per month, the number of businesses, and the number of clients, as described on our pricing page. We may change these limits going forward.

Pro and Unlimited are auto-renewing subscriptions purchased through the Apple App Store. Apple processes the payment and controls billing, renewal, and cancellation. Managing or canceling a subscription is done through your Apple ID settings, not through Billow directly. Refunds for App Store purchases are handled by Apple under its own policies.

If you downgrade or your subscription lapses, businesses and documents beyond the free plan’s limits stay in your account but become read-only or locked until you upgrade again, as described on the pricing page.

When you connect a Stripe account, your clients pay you directly through your own connected Stripe account. Billow is not a party to that payment, doesn’t hold your funds, and isn’t a bank or money transmitter. Stripe’s own terms govern the processing of those payments, and Stripe may require identity or business verification before enabling payouts.

Billow charges a platform fee on card payments processed through the app, taken from your payout at the rate shown on the pricing page. That fee, and Stripe’s own processing fee, are separate from your App Store subscription.

You own the client information, price book items, documents, notes, and photos you add to Billow (“Your Content”). You’re responsible for having the right to store and share it, including any client personal information. You grant us a license to store, process, and transmit Your Content only as needed to provide the Service, such as rendering a PDF or emailing a client the link to their invoice.

A client’s approval, decline, or typed/drawn signature on an estimate is recorded with a timestamp and, where available, the browser’s IP address and user agent, as evidence of that decision. We don’t guarantee that this record satisfies the legal requirements for a binding signature in every jurisdiction or every type of contract. If enforceability matters for your business, confirm your specific requirements with a lawyer.

You agree not to use the Service to:

• Send documents for a fraudulent, deceptive, or illegal transaction
• Attempt to access another workspace or account without authorization
• Interfere with or disrupt the Service, or attempt to bypass its usage limits
• Use the Service to store or transmit content that infringes someone else’s rights

You can stop using the Service at any time. We may suspend or terminate access to the Service if you violate these terms, misuse the payment features, or if we discontinue the Service. We’ll make a reasonable effort to give notice before doing so, except where immediate action is needed to prevent harm or abuse.

The Service is provided “as is”, without warranties of any kind, express or implied. We don’t warrant that the Service will be uninterrupted, error-free, or that every payment or reminder will be delivered on time. To the extent permitted by law, Billow isn’t liable for indirect, incidental, or consequential damages, including lost revenue or lost clients, arising from your use of the Service.

We may update these terms from time to time. If a change is material, we’ll update the “Last updated” date above and, where appropriate, notify you in the app. Continuing to use the Service after an update means you accept the revised terms.

These terms are governed by the law of the place where Billow is established, without regard to conflict of laws principles. If a dispute can’t be resolved informally through our contact page, it will be handled by the courts with jurisdiction over that location.

Questions about these terms can go through our contact page.