Terms of Service

1. What SetAllUp does, and what it does not

SetAllUp helps you write estimates, invoices and simple agreements, send them to your customers, and collect payment. It can present the same document in English and Spanish.

SetAllUp is not a party to the work you agree with your customers, does not guarantee that you will be paid, does not verify your customers, and does not provide legal, tax or accounting advice. Translations are provided to help two people understand each other; they are a convenience and not a certified translation.

We do not hold your money. Card and bank payments go through Stripe into an account in your name. Zelle and Venmo payments go directly between your customer and you and never touch us at all.

2. Your account

You must give accurate information when you sign up and keep it current. You are responsible for what happens under your account, including keeping your password to yourself. Tell us promptly if you think someone else has access to it.

One account is one business. Everything in your account — your customers, jobs, settings and signed records — belongs to that business and is kept separate from every other business using SetAllUp.

You must be at least 18 and legally able to enter into contracts. You are responsible for holding whatever licences, registrations or bonds your work requires. SetAllUp displays a licence number if you enter one; it does not check it.

3. Getting paid by card or bank

Card and bank payments are processed by Stripe. To accept them you must complete Stripe's onboarding and accept the Stripe Connected Account Agreement directly with Stripe. That agreement is between you and Stripe, and it governs your payments account.

Payments are made out in your name. Your business appears on your customer's statement, and you are the merchant of record for the transaction.

We do not accept card payments on your behalf until Stripe tells us your account can both take payments and pay out to your bank. If either is not yet true, the card option is switched off for your invoices and your customer is offered other ways to pay. This is deliberate: money taken into an account you cannot draw from is worse for you than a payment that did not happen.

Payout timing is Stripe's, not ours.

4. Chargebacks and disputes

If a customer disputes a card payment, the card network takes the money back while the dispute is decided. Because payments are charged on your own Stripe account, Stripe debits that amount from your own Stripe balance, along with the card network's dispute fee. It does not pass through SetAllUp.

The disputed amount is therefore already yours to carry, and there is nothing for us to recover from you — no transfer to reverse and no payout to set it against. We will tell you when a dispute arrives, what it was for, and what the deadline is for responding.

If the dispute is resolved in your favour, the money is returned to you.

You are responsible for responding to disputes about your own work, because you are the only one who knows what was agreed and what was done. Keeping your estimates, invoices and signed records in SetAllUp is what gives you something to respond with.

5. Card fees you pass on

SetAllUp can add a percentage to card payments so the processing cost is carried by the customer rather than by you. Whether you may do that, how much, how it must be disclosed, and whether it must be capped are questions of state law and card network rules, and they differ from state to state — a few prohibit it outright.

Deciding this is your responsibility, not ours. The setting exists; the legality of using it in your state is yours to establish.

6. Zelle, Venmo, cash and cheque

SetAllUp can show your Zelle or Venmo details so a customer can pay you directly. Neither service gives us any way to see whether a payment was actually sent or received.

So when a customer taps "I've sent it", SetAllUp records that they said so. It does not mark the invoice paid. Only you can do that, after you have looked at your own account and seen the money. We built it this way because a number in your books that no money is behind is a worse problem than an extra tap.

Venmo asks that payments for goods and services go through a business profile rather than a personal one. Complying with that, and with Zelle's own terms, is between you and them.

7. Set Up and electronic signatures

Set Up lets you write up what was done and what is owed, and send it to someone to sign. When they sign, SetAllUp records the terms exactly as they stood, a fingerprint of those terms, their typed name and drawn signature, their agreement to sign electronically, and a timestamped trail of what happened and when.

The signing flow is built to follow the federal ESIGN Act and state UETA equivalents: it asks for consent to transact electronically before the signature, captures intent, associates the signature with the specific document, and keeps a record both sides can retain.

What it does not do is confirm who the person holding the link is. Anyone with the link can sign. The record says so, in those words, rather than implying an identity check that did not happen. If you need stronger identity assurance, this is not the right tool.

Construction contracts, change orders and lien-related documents carry additional requirements in some states, and some documents cannot be signed electronically at all. Whether a Set Up record is sufficient for your purpose is a legal question about your work in your state. We do not answer it.

8. Your customers' information

You decide what customer information you put into SetAllUp. You are responsible for having the right to collect it and for telling your customers what you do with it. We handle it on your behalf and only to run the service for you.

Our Privacy Policy describes what we collect, why, how long we keep it, and what rights people have.

Your records are yours. Ask us for a copy and we will get you one — there is no self-service export yet, so it is a person doing it, and we will not be slow about it. If you close your account we will return or delete your records on request, subject to what we have to keep to comply with law and to what section 9 says about signed records.

A person whose details you have entered — a customer, or somebody who signed something — can ask to be removed, either through you or by writing to us. When that happens their name, contact details, address, photographs and signature image are erased, while the record of what was invoiced and paid stays in your books, because those are your trading records and you have to keep them. Backups taken before the request still contain them until those backups age out, and we say so rather than pretending otherwise.

9. How long records are kept

Signed Set Up records are kept for ten years from signing, and then the signature image, the signer's IP address and their device details are removed. The agreement itself, its fingerprint, who signed, when, and the full trail of events are kept permanently, so a purged record still shows that a named person agreed to specific terms on a specific date.

Ten years is chosen to match California's outer limit for construction claims. If you work in a state with a longer period, tell us.

10. Warranties and liability

SetAllUp is provided as it is. We do not promise it will be uninterrupted or error free, and we make no warranties beyond those the law does not let us disclaim.

We are not liable for the work you do, for whether your customers pay you, for what your customers do with documents you send them, or for indirect or consequential losses. Where liability cannot be excluded, it is limited to the greater of the fees you paid us in the twelve months before the claim, or one hundred dollars.

You agree to cover us against claims arising from your work, your use of SetAllUp, your card-fee practices, or your handling of your customers' information.

11. What you pay us

SetAllUp is a monthly subscription. The plans and their prices are shown on the plan screen inside the app and on the pricing page, and the price you agreed to is the price on your own screen.

The first fourteen days are free and need no card. Nothing is charged during that time. When you add a card, your first payment is taken one month later — not that day — and then on the same date each month after that. If that date does not exist in a given month, it is taken on the last day of that month and returns to your usual date afterwards.

You can change plan at any time. Moving up takes effect immediately, including the payment rate. Moving down takes effect at your next payment, so you keep the plan you have already been billed for until the period it covers has been paid.

If a payment fails we try again over the following days and tell you. After four failed attempts the subscription stops. Nothing you have already created stops working, and your customers keep every link you have sent them — what stops is starting new estimates and invoices.

Payments to us are not refunded for part of a month. You can cancel whenever you like and you keep what you have paid for until the end of the period.

Separately from the subscription: card and bank payments from YOUR customers are processed by Stripe, and a processing fee is taken out of each one before it reaches you. The rate for your plan is shown on the plan screen. Your customer is never charged more than the invoice says.

We may change prices. If we do, we will tell you at least thirty days before it applies to you, and it applies from your next payment after that — never retroactively.

12. Ending the agreement

You can close your account at any time. We can suspend or close an account that breaks these terms, is used for fraud, or creates risk for us or for Stripe — and we will tell you why unless the law stops us.

Closing an account does not cancel money you already owe, including disputed payments under section 4, and does not delete signed records that others rely on.

13. What belongs to whom

Your documents, your customer list, your logo and everything you type into SetAllUp remain yours. You give SetAllUp permission to store them, display them back to you, and send them to the people you choose to send them to — which is what running the service requires and no more. That permission ends when you delete the material or close your account, except where a signed record has to be kept under section 9.

SetAllUp itself — the software, the interface, the name and the marks — is the property of SetAllUp. Nothing here gives you rights in it beyond using it while this agreement is in force.

We may use anonymous, aggregated information about how the app is used to improve it — how many people reach a screen, where they stop, how long a step takes. This never includes your customers' names, addresses or amounts, and it is never sold or shared. The privacy policy sets out what is measured and how to switch it off.

If you send us an idea for how SetAllUp should work, we may use it without owing you anything for it. This is not a claim on your business; it is only about suggestions you volunteer about the software.

14. What you may not do with it

Do not use SetAllUp to break the law, to send anything you do not have the right to send, or to invoice for work you are not licensed to do. Do not use it to collect payment for something other than work you actually performed.

Do not attempt to reach another business's data, take the service apart, work around its limits, scrape it, or rebuild it as a competing product. Do not resell access to it.

We can suspend an account we reasonably believe is doing any of these, and we will say why unless the law prevents us.

15. Law, disputes and changes

These terms are governed by the laws of the State of California, without regard to conflict of laws rules. Any dispute goes to the state and federal courts located in California, and both sides agree to that venue.

A claim has to be brought within one year of when you knew, or reasonably should have known, about the facts behind it.

We may update these terms. If a change matters, we will tell you at least thirty days before it takes effect, and continuing to use SetAllUp after that means you accept it. If you do not accept it, you can close your account and stop paying.

If any part of this agreement turns out to be unenforceable, the rest of it still stands. Not enforcing something once does not mean giving it up. You may not transfer this agreement without our written agreement; we may transfer it if the business is sold, and we will tell you if that happens.

Nothing here makes either of us the other's partner, agent or employee, and nobody outside this agreement gets rights under it. Neither side is liable for a failure caused by something genuinely outside their control.

Notices to you go to the email on your account, so keep it current. Notices to us go to the address below.

Contact: info@setallup.com · P.O. Box 661216, Los Angeles, CA 90066 · (650) 888-7658