Terms of use

Last updated October 17, 2026

1. Who this agreement is between

These terms are between you and Invoice Tools Inc, a Texas corporation (“InvoiceTools”, “we”, “us”), which operates invoicetools.com. By using the site you agree to them. If you do not agree, do not use the site. If you use the site for a business, you confirm you can bind that business. “You” means the person or business using the site.

2. Age and eligibility

The service is for businesses and adults. You must be at least 18 to create an account or to use Pay now. We do not knowingly collect personal information from children under 13 (or under 16 where the law requires), and we delete it if we learn we have. You may not use the service if you are subject to US sanctions, are on a US government restricted party list, or live in a place where US law bars us from serving you. Pay now is open at launch to businesses in the United States for invoices in US dollars.

3. What the service is

A set of document generators, templates and calculators that run in your browser. They produce invoices, quotes, receipts and related documents from figures you enter. There is an optional signed-in layer that saves documents and client details, lets you send documents as links, and offers Pay now. The generators and calculators work without an account.

The tools are free to use. There is no watermark, no cap on how many documents you make and no paid tier for the generators. Some features carry usage allowances, which are set out on the pricing page. Pay now carries the fees in section 11.

4. The documents you create are yours

You keep every right in the invoices, quotes and other documents you produce here. We claim no ownership of them. If you save or share a document, you give us the limited license described in section 7 so that we can store it and show it to the people you send it to. The privacy page explains what we keep.

5. Templates, designs and our content

We give you a personal, non-exclusive, non-transferable, revocable license to use the templates, layouts and designs on the site to create documents for your own business or your own clients’ billing. You may not resell, sublicense, redistribute or republish the templates themselves, offer them as a competing template library or product, copy the site or its pages as your own, or remove copyright notices. You get no rights in our trademarks or in third-party photographs and artwork shown on the site. Photographs on the trade pages are used under a free stock photo license and are not part of the templates you export unless a template page says so. The site, software, text, designs and brand are owned by us or our licensors.

6. What you agree not to do

• Use the site to produce a document intended to deceive somebody, such as an invoice for work that was never done or a receipt for a payment that was never made.
• Attempt to break, overload or gain unauthorized access to the site or to anyone else’s account.
• Scrape the site at a rate that degrades it for other people, or resell access to it.
• Upload or send anything unlawful, anything that infringes someone’s rights, anything that contains malware, or anything you do not have the right to use.
• Use the email sending features for marketing, spam or anything that breaks section 12, or use the API or webhooks in a way that breaks section 13.

7. Your content, our license, and your indemnity

You keep ownership of what you upload, type or send through InvoiceTools (“your content”), including documents, logos, client lists and messages. If you save or share content, you give us a worldwide, non-exclusive, royalty-free license to host, copy, process, transmit, display and format it, and to make it available to the people you share it with, only so that we can run, secure and improve the service for you and meet legal duties. You promise that you have the rights to use your content this way, including permission to store your clients’ contact details and to message them, that it is lawful and does not infringe anyone’s rights.

You will defend, indemnify and hold harmless InvoiceTools and its owners, officers, employees and contractors from claims, losses, liabilities, fines, costs and reasonable attorney fees arising from your content; your invoices, products and services; your dealings with your clients; your taxes; messages sent from your account; disputes, chargebacks and reversals on your payments; and your breach of these terms, the Stripe terms or the law. This does not apply to the extent a claim is caused by our own breach of these terms, gross negligence or willful misconduct. We will tell you about a claim promptly, and you may not settle it in a way that binds us without our written consent.

8. What you invoice is your responsibility

You are responsible for every invoice, quote, receipt and message you create or send, including prices, descriptions, tax, discounts, late fees, interest, deposits, payment terms and legal wording. You promise that what you bill is true, that you are entitled to bill it, and that your client agreed to it or is legally bound to pay it.

Taxes and reporting

You decide whether to charge sales tax, VAT, use tax or other taxes and at what rate, and you are responsible for collecting, reporting and paying them. InvoiceTools does not calculate, collect, file or remit taxes on your invoices for you and does not issue tax forms. Tax on our own plan fees is covered in section 11. Stripe may report your payments to the IRS and to states, for example on Form 1099-K, and may ask you for tax identification. You are responsible for your own income tax, record keeping and filings, and for giving Stripe correct information. Keep your own records for as long as the law requires.

9. No professional advice, and accuracy

Templates, presets, calculators, sample wording, guides, the AI helper and all other content are general information. They are not legal, tax, accounting, financial or other professional advice and do not create an advisor relationship. Laws about invoicing, late fees, interest, deposits, lien and retainage notices, sales tax, consumer notices and electronic payments differ by state and country and change often. You are responsible for checking that any document or message you send follows the law that applies to you and your client. Have a lawyer or accountant review anything high-stakes.

The calculators apply the formula each page describes to the numbers you enter. Rounding, currency, tax and rate assumptions can be wrong or out of date. We do not promise that any result, document or template is accurate, complete, current, suitable for your purpose or legally enforceable. Review the final document before you send or rely on it.

10. AI drafting and AI output

The AI helper uses a third-party AI model from a third-party AI provider to turn your text, photo, file or recording into a draft. AI output can be wrong, incomplete or out of date, and can look confident when it is not. Treat every AI draft as a suggestion that you must read and correct before using it. Do not rely on it for legal, tax, medical, financial or safety decisions. Do not enter card numbers, bank account numbers, government ID numbers, health information or anything you are not allowed to share. You are responsible for what you send to the AI helper and what you do with the result. AI output may not be unique, and we do not promise you ownership of any particular words or images.

11. Pay now (online payments with Stripe)

Our role

InvoiceTools is a software company. We are not a bank, a money transmitter, a payment processor, a payment facilitator or an escrow agent, and we do not hold, receive, transmit or control your funds or your client’s funds. Payments are processed by Stripe, Inc. and its affiliates (“Stripe”) and go to your Stripe account. We are not a party to any sale, contract or dispute between you and your client. We do not check or guarantee what you sell, what you invoice or whether your client will pay. A payment shown as “paid” in InvoiceTools reflects information Stripe sent us. It can be late, wrong or reversed, and Stripe’s records control.

Stripe terms

Pay now is provided with Stripe Connect. To use it you must create or link your own Stripe account and accept the Stripe Connected Account Agreement and the Stripe Services Agreement (together, the “Stripe terms”). You must also follow Stripe’s Prohibited and Restricted Businesses list and any other Stripe policy it points to. If these terms and the Stripe terms conflict about payment processing, the Stripe terms win. Stripe is responsible for onboarding and verifying you, paying you out, tax reporting on your payments, handling disputes with card networks and banks, and its own compliance programs. Stripe may refuse, limit, hold, reverse or close any payment or account at its discretion, and we are not responsible for what Stripe does. We receive information from Stripe about your account and payments, including status, balances and restrictions, and use it to run Pay now.

Once your Stripe account is active, Pay now is on by default for your shared invoices that still have a balance, and you can switch it off in Account. If you allow it, a client can pay a deposit or part of the balance, from $1.00 up to what is still owed. Each payment is separate and is checked against the saved invoice.

Part payments, deposits and late fees

If you allow it, a client can pay part of a balance, and on an accepted quote a client can pay the deposit you set. Each payment is a separate payment with its own fee, and the invoice or quote shows what has been paid and what is left. Any deposit, late fee, interest or other charge on a document is set by you, not by us. You are responsible for making sure it is allowed by your agreement with your client and by the law that applies, and for stating it on the document before you ask for payment. We do not add late fees for you.

Saved cards and automatic payments (autopay)

On the Pro and Business plans, a client can choose to save a card so that later invoices from the same recurring schedule are charged to it automatically. The client does this on the payment page, or from an email link you ask us to send, and is told who will charge the card before agreeing. By saving a card the client authorizes the business to charge it for future invoices on that schedule. The card is stored by Stripe on the business’s connected account, not by us, and we never see the full card number.

The business is responsible for having the client’s authorization, for charging only amounts the client agreed to, and for any dispute about a charge. Each automatic charge is attempted once per invoice. If a charge fails, the client is not charged again for that invoice, the emailed Pay now link still works, and we tell the business. After three failed charges in a row, autopay switches itself off for that schedule until the client saves a card again. The client gets an email each time the card is charged. A client can stop automatic payments at any time, without logging in, with the Stop automatic payments link in any payment email or the Stop automatic payments button on the invoice page. Autopay is then switched off for that schedule immediately, and we confirm by email to the client and tell the business. A client can also ask the business to turn it off, or, if neither works, email contact@invoicetools.com, and we will switch autopay off for that schedule promptly. A client can also ask the card issuer to block the charges. Revoking autopay stops future automatic charges only. It does not cancel an invoice that is already owed, and the client can still pay it from the emailed Pay now link. Authorization lasts until it is revoked, until autopay switches itself off, or until the card expires or is replaced. The amount of each automatic charge is the balance of that invoice, shown on the invoice and in the email sent after each charge. The same fees apply to an automatic payment as to any other card payment on the business’s plan.

Paid plans

Pro and Business are subscriptions billed weekly, monthly or yearly, at the price shown on the pricing page when you subscribe. A subscription renews automatically at the end of each period and is charged to the card you saved, until you cancel. You can cancel at any time in Account, under Plan, by choosing Manage billing. Cancelling stops the next renewal; the plan stays active until the end of the period you already paid for, and we do not refund part periods unless the law requires it. If you are charged twice, or charged after you cancelled in time, email contact@invoicetools.com within 30 days and we will correct it. Plan prices do not include sales tax. Where the law requires us to collect sales tax on a plan fee, for example Texas sales tax on software as a service, we will tell you before we start adding it to your bills. Each account can use one free trial of 14 days. If you do not cancel before the trial ends, the first payment is taken on the last day of the trial. When a paid plan ends, its features stop and your data stays: extra businesses become read-only, team members lose access, and automatic schedules over the Free limit stop sending new invoices until you upgrade again or switch some off.

Fees

On each successful payment we charge you an application fee that depends on your plan. On the Free plan it is 1.3% of the payment amount for card, digital wallet and buy now, pay later payments, and 0.5% of the payment amount, up to $5.00, for US bank transfer payments. On the Pro plan it is 0.8% and 0.4% (up to $4.00). On the Business plan it is 0.3% and 0.25% (up to $3.00). The rate is the one for your plan at the moment the payment is made. Stripe charges its own processing fees on top, at the rates Stripe publishes and shows you when you connect. Both fees come out of the payment before it reaches your account. Your client pays only the invoice total. We add no fee for them.

We may change our fees or add new ones. We will email you and post a notice in your account at least 30 days before a change applies to you. If you do not agree, switch off Pay now before that date. Using Pay now after that date means you accept the new fees. A fee change never applies to a payment already made.

Refunds, chargebacks, returns and negative balances

You are the seller. You decide whether to refund, and you issue refunds from your Stripe dashboard. Your refund policy is between you and your client, and you should state it on your invoice or quote. When you refund a payment in full or in part, we refund our fee in the same proportion. Stripe decides whether its own fees are returned, and it usually does not return them.

A client can dispute a payment with their bank or card issuer (a chargeback), and a bank transfer can be returned. When that happens, Stripe may take the disputed amount and fees from your Stripe balance, even if you already spent the money. You are responsible for the full amount of every dispute, return, refund, reversal, fine and fee on payments made to you, including any negative balance or shortfall your Stripe balance cannot cover. Stripe’s dispute fees and returned bank transfer fees are yours. You must respond to disputes with evidence by Stripe’s deadline. We do not represent you in a dispute and have no duty to challenge one. InvoiceTools is not liable to you or your client for a refund, chargeback, reversal or any loss that follows from one. If we pay or become liable for any amount because of your payments, you will repay us on request, and we may collect it from future payments or by other lawful means after notice.

US bank transfers (ACH)

A client can pay by US bank transfer through Stripe by accepting Stripe’s payment authorization at checkout. Bank transfers can take several business days to clear and can be returned for insufficient funds, a closed or wrong account, a stop payment, or a claim that the debit was unauthorized. A bank transfer does not count as paid until Stripe says it has succeeded, and it can be reversed afterward within the time allowed by Nacha rules and law, which can be as long as 60 days for consumer accounts. If a transfer is returned, you are responsible for the amount and any fee, and we may change the invoice status back to unpaid. We do not store bank account numbers. Bank transfers are available only for US bank accounts and US dollar invoices.

Buy now, pay later

Depending on the amount, location and eligibility, a client may be offered a buy now, pay later option offered by a third-party provider at checkout. Those services are provided by the provider, not by us or you. The provider decides approval, charges the client’s fees and interest, and sets repayment terms under its own terms. Refunds, returns and disputes on these payments follow the provider’s process, and availability and limits can change.

Prohibited and restricted businesses

You may not use Pay now for anything on Stripe’s Prohibited and Restricted Businesses list, for anything unlawful where you or your client are, or for any of the following: invoices for goods or services you do not provide; invoices to people who did not agree to the work; gambling, adult content, weapons, illegal drugs, tobacco or vaping products, counterfeit goods; pyramid or multilevel schemes; debt collection or debt relief; money transmission, crypto exchange or lending. You may not take payments for another person’s business without their agreement and a Stripe account in their name, or split one sale across several invoices to avoid limits. We and Stripe may remove content, stop a payment, hold funds or close your account if we reasonably believe you broke this section.

Switching Pay now off

We can switch Pay now off for an account, or for everyone, if we see misuse or a problem with the service, and we do not promise it will always be available. When Pay now ends, pending payments are handled by Stripe under its terms, and open invoices lose their Pay now button.

12. Shared links, tracked sends and email

Shared links are public to anyone who has the link

When you send or share a document, we create a link with a long random token. Anyone who has the link can open the document without signing in, including anyone you forward it to and anyone who gets it from your client’s email or device. The page shows what is on the document, such as names, addresses, line items, totals, notes, any payment details you put on it and, if Pay now is on, a button that lets the visitor pay. Do not share a link you want to keep private, and do not put sensitive information on a document you send as a link. You are responsible for who you send it to. You can remove a link by deleting or unsharing the document in your account. Downloads and forwarded copies that we do not control may remain.

Client portal and shared document pages

A client who opens a shared link or a portal page can view the document or documents you shared with them and, if you allow it, pay, approve, decline or sign. Access depends on holding the link, so the business controls who can see a document by controlling who it sends the link to. The business, not InvoiceTools, decides what appears on the shared page.

Emails, reminders and messages

If you use InvoiceTools to send an invoice, quote, receipt, reminder or other message (including payment reminders by email, when we offer them), we send it on your behalf and you are the sender. You promise that you have the right to contact each recipient, that the message relates to a real transaction or relationship, and that you will follow the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), state email and telemarketing laws and any other law that applies. Our sending is for transactional and relationship messages about a document you chose to send. You may not use it for marketing, promotions or unsolicited bulk messages, to purchased or scraped lists, or with misleading names, subject lines or sender details.

Payment reminders and quote follow-ups are sent from billing@reminders.invoicetools.com. Other notifications and updates are sent from updates@notify.invoicetools.com. The display name is your business and replies go to your reply-to address. You may send these only to your own clients, and only about transactions or relationships you really have with them.

Each email includes your reply-to address and a way for the recipient to stop reminders. We honor stop requests and may block further messages to that address. You will not message anyone who asked you to stop. We do not send text messages for you. If that changes, you may text only people who gave you prior express consent, and you will be responsible for any claim under the TCPA or state law. Tracked sends record when a message or link is opened, viewed, downloaded or printed. Open tracking is not exact, and you agree to tell recipients about tracking where the law requires it.

Electronic acceptance and signatures

If your client types their name, approves or signs a quote or invoice through a shared link, we record the name, date, time, IP address and browser. Whether that acceptance is legally binding depends on the law and the facts. InvoiceTools is not a party to your agreement, does not verify who signs and does not provide notarization or a legal opinion that an electronic signature is valid.

13. Public API, API keys and webhooks

The Business plan includes API keys, a public API and webhooks. You use them at your own risk and only for your own account and your own business data.

• Keep keys secret. An API key lets whoever holds it read and change your data through the API. You are responsible for storing it safely and for everything done with it. Do not put a key in code that runs in a browser or in a public repository. If a key may have leaked, revoke it in your account right away and make a new one.
• Webhooks send your data. When you add a webhook, we send a signed message to the URL you set each time a chosen event happens. The message contains document and payment details such as the document number, status, totals, dates, the client’s name and a public share link. You are responsible for the URL you give us, for checking the signature, and for protecting and lawfully using whatever arrives there. We do not control or review what the receiving server does with it.
• Limits. Each API key is limited to 120 requests a minute, and other limits may apply. Webhook messages that fail are retried on a schedule and then stop. Delivery is not guaranteed, so do not rely on a webhook as your only record of an event.
• No service level. The API and webhooks are provided as is, with no uptime commitment, and we may change, limit or retire them with reasonable notice where practical.
• Misuse. We may rate limit, suspend or revoke any key or webhook, or end API access, if it is abused, endangers the service or other people’s data, or breaks these terms.

14. Third-party integrations

You can choose to connect InvoiceTools to Zapier, an automation service that is not owned or run by us. If you connect it, document and payment information from your account passes to Zapier when your automations run, and Zapier’s own terms and privacy policy apply to it and to anything you connect through it. Zapier may then pass that data to other services you choose. We are not responsible for Zapier or for those other services, or for what they do with your data. You are responsible for the automations you build, and for making sure you may send your clients’ information to them. You can disconnect the integration at any time in your account and in Zapier.

15. Accounts and security

Keep your sign-in details secret and use a strong, unique password or your sign-in provider. You are responsible for all activity under your account and for your Stripe login. Tell us right away at contact@invoicetools.com if you think someone else has access. We are not liable for loss caused by unauthorized use before you tell us, unless the law says otherwise. We may require you to reset credentials or verify your identity.

16. Suspension and termination

You can stop using InvoiceTools and delete your account at any time, which removes the documents saved in it (see the privacy page for what we must keep). We may suspend, restrict or end your access, turn off Pay now, remove content or delay payments if we reasonably believe you broke these terms or the Stripe terms, your use creates a risk of fraud or legal or card network trouble, Stripe asks us to, or the law requires it. Where practical we will tell you why and give you a chance to respond, but we may act first when there is a risk of harm. Sections that by their nature should survive (ownership, fees owed, disclaimers, liability limits, indemnity, governing law and disputes) survive termination.

17. Availability

We aim to keep the site and Pay now running, but we do not promise they will always be available. They can be down for maintenance, updates or security work, or because Stripe, our host, our database provider, an email provider or another third party is down. Payment and refund statuses may arrive late. A delay or outage does not change what is owed between you and your client. The generators run in your browser, but saved documents live on our servers, so keep your own copy of anything important. We may change, move or end a feature, with reasonable notice where practical.

18. Disclaimer of warranties

THE SITE, TOOLS, TEMPLATES, CALCULATORS, AI HELPER AND PAY NOW ARE PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY PAYMENT WILL BE MADE, SETTLED OR FINAL, THAT ANY DOCUMENT IS LEGALLY VALID, OR THAT ANY RESULT IS CORRECT.

19. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS, INVOICETOOLS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL OR BUSINESS OPPORTUNITY, EVEN IF WE WERE TOLD THEY WERE POSSIBLE. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AND (B) US $100. These limits apply to every legal theory, including contract, tort and negligence, and including a document that turns out to be wrong, a payment that is not made or a result a calculator produced from inputs you supplied. They do not limit liability for fraud or willful misconduct, or liability that cannot be limited by law. Some places do not allow some of these limits, so they apply only as far as the law permits.

20. Copyright complaints (DMCA)

We respond to notices of alleged copyright infringement under 17 U.S.C. 512. If you believe content on invoicetools.com infringes your copyright, send a written notice to our designated agent at contact@invoicetools.com.

Include your signature; the work you claim is infringed; where the material is on our site; your contact details; a statement that you believe in good faith the use is not authorized; and a statement, under penalty of perjury, that your notice is accurate and that you own or may act for the owner. We may remove the material and tell the person who posted it, who may send a counter-notice. We end the accounts of repeat infringers in appropriate cases.

21. Governing law and disputes

These terms and any dispute about them or the service are governed by the laws of the State of Texas, without regard to conflict of law rules. Any dispute must be brought only in the state and federal courts located in Harris County, Texas, and you and we consent to their exclusive jurisdiction and venue. There is no arbitration. You and we each waive the right to bring or join a class, collective or representative action, and to a jury trial, to the extent the law allows these waivers. Before filing a claim, please email contact@invoicetools.com so we can try to resolve it.

22. General

These terms and the policies they link to are the whole agreement between us about the service. If a part is unenforceable, the rest stays in force. We may assign these terms in a merger, sale or reorganization; you may not assign them without our written consent. Not enforcing a term is not a waiver. We are not liable for failures caused by events outside our reasonable control. We may give notice by email, in your account or on the site.

23. Changes to these terms

We may update these terms. For material changes, including to fees, liability, dispute resolution or Pay now, we will email account holders and post a notice in the product at least 30 days before they take effect (or sooner if the law requires or to address security or legal risk). The date at the top of this page shows when the terms last changed. If you do not agree, stop using the service and delete your account before that date. Using it after that means you accept the new terms.

24. Getting in touch

Questions about these terms, legal notices and copyright notices go to contact@invoicetools.com. You can also use the contact page. For what the site does and does not store, see the privacy page.

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