Terms of Service

These Terms of Service (the "Terms") are a binding agreement between the person or organization using Stalwart ("you") and the operator of Stalwart ("we", "us", or the "Operator"). By creating an account, accessing Stalwart, or continuing to use the service after a notified update, you agree to these Terms.

1. The service

Stalwart provides software for estimates, invoices, payments, job management, scheduling, communications, reporting, records, and related business workflows. Features may change as the service develops. Some features depend on third-party providers or require separate setup.

Stalwart is a software tool. It is not a law firm, accounting firm, payroll provider, bank, insurer, lender, or licensed trade contractor. Estimates, reports, tax calculations, reminders, and AI-assisted outputs must be reviewed by a qualified person before you rely on them.

2. Accounts and authority

You must provide accurate account information, keep credentials secure, and promptly update your contact information. You are responsible for activity under your account and for configuring access granted to staff, bookkeepers, subcontractors, and other users.

If you use Stalwart for an organization, you confirm that you have authority to bind it to these Terms. You must promptly tell Support if you suspect unauthorized access.

3. Plans, fees, and taxes

Paid plans, billing periods, included features, and applicable taxes are shown before purchase. Unless the order says otherwise, subscriptions renew for the same period until cancelled. You authorize the payment method on file to be charged for recurring amounts that were disclosed to you.

Past-due amounts may result in restricted paid features after reasonable notice. Where required by law, refunds and cancellation rights override these Terms.

4. Your data

You retain ownership of information, documents, images, messages, customer records, and other content you submit to Stalwart ("Customer Data"). You grant us a limited right to host, process, transmit, back up, and display Customer Data only as needed to operate, secure, support, and improve the service.

You are responsible for having a lawful basis to collect and use Customer Data, for providing required notices, and for obtaining required consents. Do not upload information you are not permitted to use. You should export important business records regularly and before closing your account.

5. Your agreements with clients

Quotes, service agreements, approvals, signatures, change orders, payment terms, warranties, and other customer-facing records created through Stalwart are agreements between you and your client. Stalwart records and delivers those records but is not a party to the underlying construction, trade, or service contract.

You are responsible for adapting your client terms to your services and jurisdiction, and for complying with consumer protection, licensing, lien, cancellation, disclosure, warranty, accessibility, and electronic-commerce laws that apply to your work.

6. Payments and financial records

Card processing and some financial connections are provided by third parties. Their terms and privacy practices also apply. Payment status can be delayed or reversed due to disputes, chargebacks, refunds, bank processing, or provider errors. You are responsible for reconciling your books and confirming funds before treating them as final.

Stalwart does not hold client funds unless expressly stated. Reports and exports are aids, not filed tax returns or audited financial statements.

7. Acceptable use

You may not use Stalwart to break the law, deceive customers, send unlawful messages, infringe rights, distribute malware, probe security, bypass access controls, disrupt the service, scrape other accounts, or resell the service without permission. You may not use the service to make fully automated high-impact decisions about a person without appropriate human review and a lawful basis.

We may investigate misuse and suspend access where reasonably necessary to protect clients, other users, providers, or the service. We will give notice when practical and lawful.

8. Third-party services

Stalwart may connect to services such as hosting, databases, payment processors, email, text messaging, maps, accounting exports, and AI providers. Your use of a connected service may be governed by that provider's terms. We are not responsible for a third party's independent acts, availability, or policy changes.

9. Availability, security, and changes

We use reasonable safeguards and work to keep Stalwart available, but no online service is uninterrupted or error-free. Maintenance, emergencies, internet failures, provider outages, and events outside reasonable control may affect availability.

We may update features and these Terms. Material changes will be communicated through the service or account contact information and will state their effective date. If a material change requires renewed consent, we will ask for it.

10. Cancellation and termination

You may stop using Stalwart and cancel a paid plan through available account controls or Support. You remain responsible for amounts incurred before cancellation. We may terminate or suspend an account for a material breach, unlawful activity, security risk, or persistent non-payment, subject to notice where appropriate.

After termination, account access may end and Customer Data may be deleted according to the Privacy Policy and our retention practices. Provisions that by their nature should survive will continue, including ownership, payment obligations, disclaimers, liability limits, and dispute terms.

11. Warranties, liability, and disputes

To the maximum extent permitted by law, Stalwart is provided "as is" and "as available" without implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Nothing in these Terms excludes a warranty or remedy that law does not allow us to exclude.

To the maximum extent permitted by law, neither party is liable for indirect, special, incidental, exemplary, or consequential loss, or for lost profits, revenue, goodwill, or data. The Operator's total liability arising from Stalwart will not exceed the amount you paid for the service in the twelve months before the event giving rise to the claim. This limit does not apply where prohibited by law or to fraud, wilful misconduct, or liability that cannot legally be limited.

You will indemnify the Operator against third-party claims caused by your Customer Data, your client work, your breach of law, or your material breach of these Terms, except to the extent caused by the Operator.

These Terms are governed by the laws of the Canadian province in which the Operator is established and the federal laws of Canada that apply there, without regard to conflict-of-law rules. Before starting a formal claim, each party will make a reasonable effort to resolve the issue through Support. Mandatory consumer rights and courts of competent jurisdiction are not displaced.

12. Contact

Questions, legal notices, and account requests can be sent through the Support channel available in Stalwart. The Operator's formal legal name, mailing address, and privacy contact must be published before commercial production launch and will then be incorporated into this page.