Terms, without the fog.

By creating a QuoteIron account, or by using the app or this site, you agree to these terms and our Privacy Policy. If you create your account on or after September 30, 2026, you accept these terms when you sign up. If you already had an account before then, these terms take effect for you on November 1, 2026.

Who these terms are between

These terms are a contract between you and 20M HODL LLC, a Florida limited liability company doing business as QuoteIron ("QuoteIron," "we," "us").

• "You" means the person who creates or uses a QuoteIron account. If you use QuoteIron for a business, "you" also means that business, and you confirm that you're allowed to agree to these terms for it.
• "Your customers" means the people and businesses you send estimates, invoices, payment requests, plans or autopay offers to through QuoteIron.

Add-on agreements you accept in the app, such as the Recurring Billing & Autopay Agreement, are part of these terms.

Who isn't a party. If you only receive, view or pay documents that a business sends you through QuoteIron, you aren't a party to these terms. Your agreement is with that business. See our notice for customers.

QuoteIron is a business tool for trade businesses in the United States. You must be at least 18 to create an account.

What QUOTEIRON is

Software that helps you build a flat-rate price book and produce estimates and invoices. You set every number. Seeded job templates are starting points, not promises about how long work takes or what it costs, so check them against your own experience before quoting from them. You are responsible for the documents you send your customers.

Who's who: QuoteIron is software, and you are the seller

QuoteIron is a software tool. It helps you:

• write estimates and invoices;
• send them;
• remind your customers;
• take card payments, including recurring autopay payments, once you connect your own Stripe account.

You are the seller. Every estimate, invoice, job, service plan, recurring plan and payment is between you and your customer.

• You are the merchant of record for every payment your customers make to you through QuoteIron.
• That money goes to your own Stripe account, in your business's name.
• QuoteIron is not a party to your agreements with your customers. We don't sell your services, and we don't guarantee your work. We don't guarantee that any customer will pay you.

QuoteIron is not a bank or a payment company. We are not a bank, money transmitter, payment processor or payment facilitator.

• We never receive, hold or move your customers' money, and we take no cut of it.
• We never see or store full card numbers.
• Stripe processes card payments under your own agreement with Stripe.
• QuoteIron's servers send payment requests to Stripe on your instructions, and only the requests listed in "Card payments through your Stripe account" and in the Recurring Billing & Autopay Agreement.
• Nothing in these terms makes us your partner, joint venturer, employee, agent for any other purpose, or franchisor.

You alone are responsible for:

1. your prices, estimates, invoices and plan terms, and the work and goods you provide;
2. how and when you bill, and every amount you charge, or ask or allow QuoteIron to charge, your customers;
3. refunds, credits, billing questions, disputes and chargebacks with your customers, plus Stripe fees, card-network fines, reserves or negative balances on your Stripe account;
4. collecting, reporting and paying sales, use and other taxes on your work, and your own income taxes;
5. your licenses, permits, insurance and bonding, and any contract forms or notices that your trade or state requires (for example, home-improvement contract rules);
6. cooling-off and home-solicitation cancellation rights, and their notices, when you sell at a customer's home or anywhere other than your place of business;
7. following every law and rule that applies to your business and your customers. These include:
   • consumer-protection laws;
   • state automatic-renewal laws;
   • the Restore Online Shoppers' Confidence Act;
   • the Electronic Fund Transfer Act and Regulation E;
   • the E-SIGN Act, the CAN-SPAM Act and the Telephone Consumer Protection Act;
   • privacy and data-security laws;
   • card-network rules;
   • your agreement with Stripe;
8. the accuracy of the business details you enter (business name, address, phone, email and refund choices). We show them to your customers as part of required disclosures.

This division is between you and QuoteIron. The "Limits on our liability" and "Your responsibility for claims about your business" sections explain what QuoteIron remains responsible for. That includes the notices and screens QuoteIron writes.

Not advice

Nothing in the product is legal, accounting or tax advice. That includes template hours, example prices and exports labeled for tax preparation. Talk to your professional.

QuoteIron's built-in disclosures, consent screens, notices and templates are designed to help with common legal requirements. They don't replace your own advice, and they don't guarantee that your business complies with every law that applies to it.

Your data

You can build quotes in the app without an account; sending a quote or invoice requires a free account — an email address plus a passkey or emailed sign-in link, or Sign in with Apple or Google, no password. Your business data lives on your device. Creating an account backs up an encrypted copy we physically can't read to the cloud automatically, restorable on a new device with your recovery code or passkey. You can also export the whole book to a file any time. Because your backup is encrypted with keys only you hold, losing both your device and your recovery code (with no passkey) means the backup can't be opened — we can't recover what we can't read.

Automatic reminders

With reminders on, QuoteIron reminds your customers about your open quotes and unpaid invoices on your behalf — by email on every plan, and on Pro also by text when you turn texts on for a document. How we handle their contact details is on our Privacy page. Turn reminders on only for a customer who gave you that email address or mobile number for your quotes and invoices, use them only for your own quotes and invoices and never for marketing, and turn them off for any customer who asks. Text reminders are capped at 50 a month per account; once you reach the cap, your customer's reminders continue by email until the count resets the next month.

If you get reminder texts (program: QuoteIron reminders): they come from QuoteIron's number on behalf of the business that sent you the quote or invoice, and are only about it. Message frequency varies: up to three texts about an open quote, and for an unpaid invoice, a text when it's due and then about one a week until it's paid. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help; you can also email [email protected]. Carriers are not liable for delayed or undelivered messages.

Card payments through your Stripe account

To take card payments, you connect your own Stripe account. Your use of Stripe is governed by your agreement with Stripe, which you accept with Stripe. Stripe can limit or close your Stripe account under that agreement, and we can't override it.

What you authorize QuoteIron to do on your Stripe account. Through Stripe Connect, you authorize QuoteIron to take the following actions on your Stripe account, on your behalf. We take only these actions, and only within your settings.

1. Payment requests. Create payment requests (Stripe Checkout sessions and payment intents) for the amounts you set in QuoteIron for your estimates, invoices and deposits.
2. Customer records. Create and update customer records on your Stripe account for customers who pay you or turn on autopay.
3. Saved cards. Save a customer's card on your Stripe account, and charge it later, only when that customer has personally agreed on QuoteIron's autopay page, and only as the Recurring Billing & Autopay Agreement describes.
4. Retries, cancellations, refunds and saved-card removal. Retry, cancel or refund charges, and remove saved cards, in the situations the Recurring Billing & Autopay Agreement describes. Refunds include:
   • any automatic charge made after a customer asked to stop, whether you recorded the request or the customer told QuoteIron the date they asked you;
   • any automatic charge above or outside the customer's approved terms;
   • any duplicate charge;
   • if you turn it on, a small charge that received a card-network early fraud warning.
5. Reading account information. Read your Stripe account's settings and status that affect your customers: your statement descriptor, your support contact details, whether charges are enabled, and your account's risk settings. Also read the payment, refund, dispute and fraud-warning information we need to:
   • show you what's paid;
   • prevent double charges;
   • stop charging when something is wrong;
   • prepare dispute-evidence documents for you;
   • keep required records.
6. Stripe notices. Receive the notices Stripe sends about payments on your Stripe account. We keep only the ones tied to payments requested through QuoteIron, and discard the rest.
7. Messages to your customers. Send your customers receipts, notices and confirmations about these payments, on your behalf.
8. Sharing with Stripe. Share with Stripe the information about you and your customers that Stripe needs to provide its services and meet its legal duties.

Withdrawing this authorization.

• You can withdraw it at any time. Either disconnect Stripe in QuoteIron, or remove QuoteIron's access in your Stripe Dashboard. After that, we stop acting on your Stripe account.
• If you disconnect in QuoteIron, we first end every autopay agreement, remove the saved cards we can, and tell the customers affected.
• If you remove access from your Stripe Dashboard, we can no longer remove saved cards. You must delete them yourself, as the Recurring Billing & Autopay Agreement requires.
• Either way, we still send the cancellation confirmations your customers are owed, and we keep the records described in our Privacy Policy.

Fees. Stripe charges you its own processing fees. QuoteIron charges no fee on card payments today. If that ever changes, we'll tell you at least 30 days in advance, and the change won't apply to payments already made.

Your part:

• Keep your Stripe account in good standing, with a statement name your customers will recognize.
• Handle refunds and disputes.
• Don't use QuoteIron to take payments for anything Stripe prohibits.
• Don't add surcharges or "convenience fees" to card payments made through QuoteIron.
• Never charge a card without the cardholder's permission. Never use a card saved through QuoteIron for anything outside that customer's plan, including from your Stripe Dashboard.

If we learn that a connected Stripe account is being used for something illegal, fraudulent or deceptive, we may tell Stripe and cooperate with it.

QuickBooks Online integration (Pro)

You can connect your own QuickBooks Online company. Once you do, you authorize QuoteIron to create and update customers, invoices and payments in that company, and one service item for them, on your behalf and only as you choose to sync. How we handle that data is on our Privacy page.

You're responsible for your QuickBooks records and for checking what is sent. Tax and totals can differ between QuickBooks and QuoteIron, for example when QuickBooks applies its own tax settings, so review invoices in QuickBooks. QuoteIron doesn't give accounting or tax advice. QuickBooks is a trademark of Intuit, and we are not affiliated with Intuit. Your use of QuickBooks is governed by your agreement with Intuit, and Intuit's terms apply to the data once it is in QuickBooks.

Billing (QuoteIron Pro)

• QuoteIron Pro is month-to-month or annual. You buy it through the App Store or Google Play, and it renews automatically until you cancel.
• Cancel anytime in your App Store or Google Play subscription settings (on iPhone: Settings › your name › Subscriptions). Cancellation takes effect at the end of the period you've paid for.
• No contracts, and no cancellation phone calls.
• Prices are shown on the pricing page. We don't raise your rate without telling you first.

Subscriptions started earlier on our website. These renew at the price and period shown when you bought them, until you cancel.

• You can cancel online at any time from the link in your subscription emails, or by emailing [email protected]. Cancellation takes effect at the end of the period you've paid for.
• We'll email you before a free trial converts to a paid subscription, before each yearly renewal, and at least 7 days before any price change.

Acceptable use, suspension and ending

Don't:

• use QuoteIron for anything unlawful, deceptive or unfair;
• use reminders, texts or emails for marketing;
• misrepresent who you are, or what you're selling or charging, including how a plan or autopay works;
• charge, or try to charge, anyone without their authorization;
• delay, obstruct or ignore a customer's cancellation;
• alter or hide required disclosures or notices;
• use QuoteIron for a business Stripe prohibits;
• use a card saved through QuoteIron for anything outside the customer's plan, including from your Stripe Dashboard;
• offer autopay for anything other than a recurring service you actually provide;
• access other people's data, probe or overload our systems, or resell QuoteIron.

When we may suspend or restrict. We may suspend or restrict any feature (including card payments, reminders, automatic sending and autopay), or your whole account, if we reasonably believe that:

• you broke these terms or the Recurring Billing & Autopay Agreement;
• your use creates legal, financial or security risk for your customers, for us, for Stripe or for others;
• complaints, disputes, fraud warnings or chargebacks suggest charges your customers didn't authorize or no longer want;
• Stripe, a card network, a bank, a government agency or a court asks us to; or
• the law requires it.

Some of these pauses happen automatically, when our monitoring detects the patterns described in the Recurring Billing & Autopay Agreement.

How suspension works:

• When it's safe and lawful, we'll tell you first and give you a chance to fix the problem. When waiting could harm your customers, we'll act first and tell you after.
• While autopay is paused, no automatic charges run. Your customers can still cancel, and can still pay you another way. We may tell affected customers that autopay is paused.

Ending:

• You can stop using QuoteIron and delete your account at any time.
• We can end these terms for any reason with 30 days' notice, or right away if you seriously or repeatedly break them.
• These sections stay in force after these terms end: "Who's who", records, "No warranties", "Limits on our liability", "Your responsibility for claims about your business", and "Florida law and resolving disputes".

No warranties

QUOTEIRON IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY. THIS INCLUDES WARRANTIES 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 don't promise that:

• QuoteIron will be uninterrupted, error-free or secure;
• any email, text, invoice, reminder or notice will be delivered at a particular time, or at all;
• any customer will pay you;
• seeded prices, hours or templates fit your jobs;
• our disclosures, notices or templates satisfy every law that applies to your particular business.

What this section doesn't change:

• The Recurring Billing & Autopay Agreement describes how QuoteIron's autopay software is designed to work.
• "Limits on our liability" explains what QuoteIron is responsible for if the software doesn't work that way, and for the notices and screens QuoteIron writes.

Stripe, Apple, Google, and our email and text-message providers are third-party services, and we're not responsible for them. Some states don't allow certain warranties to be disclaimed. Where that's the case, this section applies as far as the law allows.

Limits on our liability

TO THE FULLEST EXTENT THE LAW ALLOWS:

(1) No indirect losses. None of the following will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, even if told such losses were possible:

• QuoteIron;
• 20M HODL LLC;
• its members, managers, employees or contractors.

The same goes for lost profits, revenue, business, goodwill or data, and for the cost of substitute services.

(2) Things we're not responsible for. We are not liable for:

• amounts you charge, or fail to charge, your customers;
• refunds, credits, disputes, chargebacks, Stripe fees, reserves, fines or penalties on your Stripe account;
• claims your customers bring against you.

This point (2) doesn't apply to the extent a loss is caused by either of these:

• (a) QuoteIron's software not working as section 7 of the Recurring Billing & Autopay Agreement describes;
• (b) a notice, disclosure or consent screen that QuoteIron wrote, exactly as QuoteIron showed or sent it, unless you altered it or gave QuoteIron wrong information for it.

(3) THE CAP. OUR TOTAL LIABILITY FOR ALL CLAIMS OF EVERY KIND, COMBINED, ARISING OUT OF OR RELATING TO QUOTEIRON OR THESE TERMS, WILL NOT EXCEED THE GREATER OF:

• (a) THE AMOUNT YOU PAID FOR QUOTEIRON PRO (INCLUDING THROUGH THE APPLE APP STORE OR GOOGLE PLAY) IN THE 12 MONTHS BEFORE THE EVENT THAT GAVE RISE TO THE FIRST CLAIM; OR
• (b) US $100.

(4) Exceptions. Points (1) through (3) don't limit:

• liability for our fraud or intentional misconduct;
• liability for our gross negligence, where the law doesn't allow it to be limited;
• liability for death or personal injury caused by our negligence;
• the amount of any refund, charge or other movement of money that QuoteIron's software made on your Stripe account in error. We'll pay that amount back to you in full, to the extent you can't recover it from your customer. This covers the money itself, not other losses;
• any other liability the law doesn't allow to be limited or excluded;
• your obligations to indemnify us or to pay us.

(5) How these limits apply. They apply to every legal theory: contract, tort (including negligence), strict liability, statute or otherwise. They apply even if a remedy fails of its essential purpose. They are a basic part of the deal: QuoteIron is priced on the understanding that these limits apply.

These limits apply only between you and QuoteIron. They don't limit what your customers, a government agency or Stripe may claim.

Your responsibility for claims about your business

(1) What you cover. You will defend, indemnify and hold harmless QuoteIron, 20M HODL LLC, and its members, managers, employees, contractors and agents (the "QuoteIron parties") against any third-party claim, demand, complaint, investigation, lawsuit or proceeding.

• That includes one brought by your customers, by Stripe or another payment provider, by a card network or bank, or by a government agency.
• It covers the resulting losses, damages, judgments, settlements, fines, penalties, chargebacks, card-network assessed fines, amounts Stripe recovers from us, and reasonable attorneys' fees and costs.

It applies to the extent those arise out of or relate to:

• (a) the estimates, invoices, plans, prices, messages and business details you create, enter or send;
• (b) your goods, services and work, and your dealings with your customers;
• (c) your billing, collection, refund and cancellation practices. This includes:
  • every charge you set up, schedule or allow to run through autopay;
  • any failure to record or honor a cancellation or refund request made to you by any means;
• (d) your breach of these terms or the Recurring Billing & Autopay Agreement;
• (e) your violation of any law, card-network rule or your agreement with Stripe; or
• (f) contact details you gave us for a customer without the right to do so.

(2) What you don't cover. You don't owe us for any claim or loss to the extent it was caused by:

• (a) QuoteIron's software not working as section 7 of the Recurring Billing & Autopay Agreement describes;
• (b) a notice, disclosure or consent screen QuoteIron wrote, exactly as QuoteIron showed or sent it, unless you altered it or gave QuoteIron wrong information for it; or
• (c) a QuoteIron party's breach of these terms, negligence or willful misconduct.

(3) Allegations and who pays.

• Your duty to defend applies even if a claim alleges that a QuoteIron party was negligent, as long as the claim also concerns your conduct listed in (1).
• You pay the defense costs as they come in.
• If a court or arbitrator later decides that part of the loss was caused by something listed in (2), we'll pay back what you paid for that part, including its share of the defense costs.

(4) How a claim is handled:

• We'll tell you promptly about a claim. A delay reduces your duty only to the extent it actually harmed your defense.
• You'll use counsel we reasonably approve.
• We may take over our own defense at your expense if you don't defend promptly, if our interests conflict with yours, or if a government agency is involved.
• You may not settle a claim in a way that admits fault for us, or requires anything from us, without our written consent.
• We'll cooperate reasonably, at your expense.

(5) This section stays in force after these terms end.

Florida law and resolving disputes

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS HOW DISPUTES BETWEEN YOU AND QUOTEIRON ARE RESOLVED. IT INCLUDES A CLASS-ACTION WAIVER AND A JURY-TRIAL WAIVER.

Who this covers. This section applies only to disputes between QuoteIron and account holders. It doesn't apply to your customers, who aren't parties to these terms.

Governing law. Florida law governs these terms and any dispute between you and QuoteIron, without regard to conflict-of-law rules. The one exception is this arbitration agreement, which the Federal Arbitration Act governs. The law of your customers' states still governs your dealings with your customers.

1. Talk to us first. Before starting any claim, the side with the complaint must send the other side a written notice by email. If the complaint is yours, send it to [email protected]. If it's ours, we'll send it to your account email. The notice must describe the problem and the relief wanted. Both sides will try in good faith to resolve it within 30 days.

2. Small claims. Either of us may bring an individual claim in small claims court, in your county of residence or in Pinellas County, Florida, if it qualifies there and stays there.

3. Binding individual arbitration. Any other dispute arising out of or relating to QuoteIron or these terms goes to binding individual arbitration instead of court:

• The American Arbitration Association (AAA) administers it, under its Commercial Arbitration Rules. If the AAA decides its Consumer Arbitration Rules apply, those rules apply instead. The AAA's mass-arbitration supplementary rules and fee schedules apply where relevant.
• There is one arbitrator.
• For claims under US $25,000, hearings are by video or on written submissions, unless the arbitrator decides an in-person hearing is needed. Any in-person hearing will be in Pinellas County, Florida, or in another place we both agree.
• Fees. For a claim you bring for US $10,000 or less, you pay no more than US $100 in total of the AAA's filing, administrative and arbitrator fees, and we pay the rest. Otherwise, fees are paid as the AAA's rules provide.
• Each side pays its own attorneys' fees, unless the law or the AAA's rules allow otherwise.
• Judgment on the award may be entered in any court with jurisdiction.

What stays in court. Either of us may go to court for an injunction to stop misuse of our systems or of intellectual property, or to enforce an arbitration award.

4. NO CLASS OR REPRESENTATIVE ACTIONS. YOU AND QUOTEIRON EACH BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE PROCEEDING. The arbitrator may award relief only to the individual party asking for it, and only as much as that party's own claim requires.

• A court, not the arbitrator, decides whether this paragraph is enforceable.
• If a court finds this paragraph unenforceable for a particular claim or type of relief, that claim or relief will be decided in court and not in arbitration. It will be stayed until the individual arbitrable claims are decided. Nothing here allows class arbitration.

5. JURY WAIVER. IF A DISPUTE GOES TO COURT FOR ANY REASON, YOU AND QUOTEIRON EACH WAIVE THE RIGHT TO A JURY TRIAL.

• Any such case will be in the state courts in Pinellas County, Florida, or the U.S. District Court for the Middle District of Florida, and both of us consent to those courts' jurisdiction.
• Small-claims cases are the exception, and stay in the small claims court chosen under paragraph 2.

6. Your right to opt out. You can opt out of this arbitration agreement within 30 days of first accepting these terms. If you had a QuoteIron account before the effective date at the top of this page, you can opt out within 30 days of that date instead. To opt out, email [email protected] from your account email, with the subject "Arbitration opt-out" and your name.

We'll confirm by email. Opting out doesn't affect anything else in these terms.

7. Which claims. This section applies only to claims that arise after the effective date at the top of this page.

8. Time limits. Nothing in these terms shortens any statute of limitations that applies to a claim.

Changes to these terms

How we give notice.

• For material changes, we'll email your account address and post the update on this page at least 30 days before the change takes effect, with a new effective date.
• A change that the law, Stripe or a card network requires sooner, or that fixes a security problem, may take effect on shorter notice. In that case we'll give as much notice as we reasonably can.
• Changes that aren't material, such as clarifications and corrections, take effect when they're posted.

How you accept.

• For material changes, using QuoteIron after the notice period ends means you accept them.
• Changes to the Recurring Billing & Autopay Agreement always need your "I agree" in the app, once that agreement ships.
• If you don't agree to a change, you can stop using QuoteIron and delete your account before it takes effect. To stop paying for Pro, cancel it in the App Store or Google Play.

What changes never do:

• Changes don't apply to a dispute that arose before they took effect.
• A change to "Florida law and resolving disputes" applies only to claims that arise after it takes effect, and you'll have 30 days to opt out of it.
• Changes to these terms never change the autopay terms your customers agreed to. Those change only through the customer notice-and-approval process in the Recurring Billing & Autopay Agreement.

General

• Entire agreement. These terms, our Privacy Policy and any add-on agreement you accept in the app are the whole agreement between you and QuoteIron about QuoteIron.
• Severability. If a court or arbitrator finds part of these terms unenforceable, that part is enforced as far as the law allows, and the rest stays in force. The exception is the class-waiver paragraph in "Florida law and resolving disputes", which works as that section says.
• No waiver. If we don't enforce a term, that isn't a waiver of it.
• Assignment. You may not transfer these terms without our written consent. We may transfer them as part of a merger, acquisition or sale of assets, or to an affiliate.
• Notices.
  • We send notices to your account email or in the app, and you agree to receive them electronically.
  • You send notices to [email protected]. For legal notices, also send a copy to 20M HODL LLC, 7901 4th St N Ste 300, St. Petersburg, FL 33702.
• Events outside our control. We're not responsible for delays or failures caused by events beyond our reasonable control. Examples include outages at Stripe, Apple, Google, our hosting or our email or text providers; internet outages; natural disasters; and government action.
• App stores. If you got the app from Apple's App Store or Google Play, that store's terms govern your license to the app, and these terms govern the QuoteIron service. Apple and Google aren't responsible for QuoteIron.
• Survival. Sections that by their nature should last after these terms end do last.

Contact

[email protected] · 20M HODL LLC, 7901 4th St N Ste 300, St. Petersburg, FL 33702, USA.