Terms of Service

These terms form the agreement between you and Simplance regarding your use of the app, community, and related services.

Last updated March 20, 2026

1. Agreement & Scope

By creating an account, accessing Simplance, or using any feature you agree to these Terms as well as our Privacy Policy and Cookie Policy. If you are accessing Simplance on behalf of a company, you confirm you have authority to bind that entity. If you disagree with any section, do not use the service.

2. Eligibility & Accounts

  • • You must be at least 13 years old and able to enter a binding contract.
  • • Sign in with email and password or Google OAuth. Keep your credentials secure; you are responsible for actions taken through your session.
  • • Provide accurate profile information. Display names and bios appear on community content—don't impersonate others.
  • • Notify us immediately if you suspect unauthorized access: support@simplance.org.

3. Acceptable Use

Do not upload malware, automated scripts, or try to probe/scan our infrastructure.
Do not scrape, resell, or commercially exploit other users' public data without permission.
Do not share illegal, infringing, hateful, or deceptive content anywhere within Simplance.
Do not abuse notifications, reactions, or support channels for spam or harassment.
Respect rate limits and API boundaries. Automated exports must use in-product endpoints only.

Violations can result in content removal, temporary suspension, or permanent bans.

4. Community & Sharing

Community features include public/unlisted shares, reactions, and notifications. When you publish a share you grant Simplance a non-exclusive, royalty-free license to host, display, and distribute that snapshot. You can delete the share at any time, which removes it from public feeds.

Do not post content you don't have rights to share. We may remove or moderate content that violates these terms and may report illegal activity to authorities.

5. Ownership & Licenses

You own your content

Invoices, proposals, expenses, earnings data, uploads, and community posts remain yours. Simplance only uses them to provide requested features.

We own Simplance

The platform, design system, logos, and source code are owned by Simplance. Don't copy or reverse engineer without permission.

Feedback you choose to share (roadmap ideas, bug reports) may be used without obligation to you, but we love shout-outs.

6. Service Availability & Changes

We aim for high uptime but Simplance is provided "as is." We may update, pause, or discontinue features (including beta experiments) at any time. We'll strive to give prior notice for major changes through notifications or email. Backups run daily, but you should export critical data regularly.

7. Pricing & Payments

Pricing Tiers

Free Tier

No credit card required

  • • 1 business, 5 clients
  • • 3 invoices/month, 10 expenses/month
  • • 1 proposal template, 3 sends/month
  • • Dashboard with Last 30 days window, 1 AI advisor message/day
  • • Basic tax estimates (no quarterly tracking or export)

Pro Tier

$19.99/month or $179.99/year (25% savings)

  • • 1 business included (+$4.99/mo per additional)
  • • Unlimited invoices, expenses, clients, and proposals
  • • AI advisor (20/day), forecasting, scenarios, goals
  • • Recurring invoices, receipt uploads, bank connections, CSV import/export
  • • Quarterly tax tracking, tax export, priority email support

Payment Processing

  • • We use Stripe for secure payment processing. Stripe is PCI-DSS compliant; we never store your credit card details.
  • • You authorize recurring charges when subscribing.
  • • Payment methods: Major credit and debit cards via Stripe.

Billing

  • • Monthly subscriptions renew automatically each month.
  • • Annual subscriptions renew automatically each year.
  • • You'll receive email receipts for all charges.
  • • Failed payments may result in service interruption after a grace period.

Business Add-Ons

  • • Pro includes 1 business. Additional businesses cost $4.99/month or $49.99/year each.
  • • Each add-on is a separate Stripe subscription billed independently.
  • • Add-ons require an active Pro subscription. Free users must upgrade first.
  • • Canceling an add-on does not affect your Pro subscription or other add-ons.
  • • When an add-on is canceled, the associated business data is preserved. You cannot create new businesses beyond your limit, but existing businesses remain accessible.

Cancellation

  • • Cancel anytime from Settings.
  • • You retain Pro access until the end of your current billing period.
  • • After cancellation, you automatically revert to Free tier.
  • • Add-on subscriptions can be canceled independently. Canceling an add-on does not affect your Pro subscription or other add-ons.
  • • No refunds for early cancellation.

Plan Changes

  • • Upgrade from Free to Pro: Immediate access, charged immediately.
  • • Downgrade from Pro to Free: Access continues until end of billing period.
  • • Switch billing period (monthly ↔ annual): Prorated charges apply.

Data Retention After Downgrade

  • • Your data is never deleted.
  • • If you exceed Free tier limits after downgrade, you'll be prompted to upgrade or remove excess items.
  • • You can re-subscribe anytime to regain full access.

Price Changes

  • • We may change pricing for new subscribers with 30 days notice.
  • • Existing subscriptions are locked at your original price until you cancel or change plans.
  • • Grandfathered pricing for early supporters (if applicable).

Taxes

Prices exclude applicable sales tax, VAT, or GST. Stripe calculates and collects taxes based on your billing location.

Invoice Payment Links

  • • Pro tier users can generate payment links via Stripe, Square, or PayPal for invoices.
  • • The chosen provider (Stripe, Square, or PayPal) processes client payments — Simplance never handles payment card data.
  • • Each provider's standard processing fees apply to payments collected via payment links.
  • • You are responsible for the accuracy of invoice amounts and applicable tax compliance.
  • • Simplance is not a payment processor and does not hold funds on your behalf.

Third-Party Integrations

  • • You may connect third-party platforms (Stripe, Square, and PayPal for payment links; Plaid for bank connections) to auto-sync financial data into Simplance.
  • • By connecting, you authorize Simplance to access specified account data on your behalf.
  • • You are responsible for maintaining the security of your connected platform accounts.
  • • You can disconnect at any time from Settings; OAuth tokens are deleted immediately on disconnect.
  • • Simplance is not responsible for third-party API changes, outages, or data accuracy.
  • • Historical data synced before disconnection is retained unless you explicitly delete it.
  • • Connected platform data is subject to that platform's own terms of service and privacy policy.

8. Disclaimers & Liability

  • • Simplance provides informational dashboards, not financial, accounting, or legal advice. Consult professionals before making decisions.
  • • We don't guarantee that analytics, projections, or forecast features are accurate or error-free.
  • • Simplance is not responsible for payment processing errors, failed transactions, or Stripe, Square, or PayPal service interruptions. Contact the relevant provider's support for payment-specific issues.
  • • Simplance is not responsible for the accuracy, completeness, or timeliness of data synced from connected platforms (Stripe, Square, PayPal, and others). Verify synced income against your platform dashboards.
  • • To the fullest extent allowed by law, Simplance isn't liable for indirect, incidental, or consequential damages arising from use of the service.
  • • Tax estimates, quarterly payment suggestions, and scenario modeling are informational tools — not tax advice. Consult a qualified tax professional for filing decisions.
  • • AI Advisor insights, forecasts, and scenario projections are based on your historical data and may not reflect future results. Do not rely on them as financial guidance.
  • • You are solely responsible for the accuracy of invoices you send, expenses you log, and tax data you configure.
  • • Simplance provides tools to organize and estimate — it does not validate, audit, or file on your behalf.
  • • Our total liability is limited to the greater of USD $50 or the amount you paid in the past 12 months.

9. Termination

You can delete your account anytime from Settings. Doing so removes active data immediately (backups purge within 30 days). We may suspend or terminate access if you violate these terms, create security risks, or fail to respond to moderation flags. Termination notices will be sent to your account email when possible.

Account Deletion & Active Subscriptions

  • • Deleting your account cancels any active subscription immediately.
  • • You will not receive refunds for unused subscription time.
  • • Stripe subscription data is retained for 7 years for tax and accounting compliance.
  • • Connected platform tokens (Stripe Connect, Plaid, and any other integrations) are deleted immediately on account deletion.

10. Contact & Disputes

Questions? Email support@simplance.org. These terms are governed by the laws of the State of New York (without conflict-of-law principles). Any disputes will be resolved in New York County, New York, unless both parties agree to an alternative forum or arbitration. We're always open to resolving issues amicably, so reach out first.

UK consumer note: If you're a UK consumer, nothing in these terms restricts your statutory rights under the Consumer Rights Act 2015 or other UK consumer-protection law, including your right to bring proceedings in your local UK courts. Where mandatory consumer-protection law conflicts with the New York jurisdiction clause above, the consumer-protection law applies. For data-protection complaints specifically, see the "UK Visitors" section of our Privacy Policy.