Terms of Service

You must be at least 18 years old and able to form a binding contract to use the Service. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to both you individually and that organization.

You are responsible for the accuracy of registration information, for activity that occurs under your account, and for the security of your credentials. Notify us immediately of any unauthorized use.

By creating a paid Stowley account you agree that (1) your subscription auto-renews and is charged in advance, (2) you are committed for the full billing period you select (monthly or annual) and owe the fee for that period in full, and (3) all fees are non-refundable except where required by applicable law.

Stowley is paid software. Subscriptions are currently offered on the Basic, Advanced, Premium, and Enterprise tiers, billed either monthly or annually. Annual subscriptions are charged up front for the full 12-month term. Current pricing and feature descriptions are available on our pricing page and may change as described below. Unless stated otherwise, fees are quoted and charged in U.S. dollars and are billed in advance.

By providing a payment method and completing checkout, you authorize Stowley and our payment processor to immediately charge the first period’s fees and to automatically charge the same payment method on every renewal (monthly or annually, whichever you selected) at the then-current rate, until you cancel through the Service.

Once a billing period starts, you owe the full fee for that period. Cancellation stops future renewals only — it does not shorten the current term, refund any portion of fees already paid, or reduce the amount remaining due on an annual term you have committed to. Annual subscribers remain liable for the full 12-month fee even if they stop using the Service mid-term.

All fees are non-refundable except where required by applicable law.

Without limiting the foregoing, we do not issue refunds, credits, or pro-rated adjustments for: unused time after cancellation; partial months; partial years on an annual plan; periods during which you did not log in or did not use the Service; periods of reduced usage; downgrades made mid-cycle; plan changes; account suspension or termination resulting from your breach of these Terms; deletion of your account by you; or general dissatisfaction with the Service or any of its features.

Plan changes. Upgrades take effect immediately and may be charged on a pro-rated basis or at the next renewal at our discretion. Downgrades take effect at the next renewal — you continue to pay for and have access to the higher plan until then, and we do not issue credits for the unused portion of the higher plan. Switching between monthly and annual billing takes effect at the next renewal.

Failed payments. If a charge fails, we may retry the charge, suspend access, downgrade your account, and/or terminate the subscription. You remain responsible for any fees accrued before suspension or termination, and reactivation may require payment of past-due amounts.

Taxes, currency, and chargebacks. Taxes, currency conversion, and bank or card-network fees are your responsibility unless we are legally required to collect them. Initiating a chargeback or payment dispute for a subscription fee that was properly charged under these Terms is itself a breach of these Terms and may result in immediate termination of your account and collection of the disputed amount, plus reasonable costs.

Plan limits. If you exceed the limits of your plan (items, seats, warehouses, storage, API usage, or other quotas) we may require an upgrade, throttle access, or restrict additional usage until you upgrade or reduce usage.

Price changes. We may change pricing, plan structure, or quotas at any time. New pricing applies at your next renewal after we provide reasonable notice (for example, by email or in-app notice). Continued use of the Service after the effective date of new pricing constitutes acceptance.

Comped, discounted, and promotional accounts. Comped accounts, promotional discounts, and platform-issued credits are provided at our sole discretion, are not transferable, have no cash value, and may be modified or revoked at any time without refund.

We may offer trials, sandbox environments, or beta features. Such offerings are provided “as is” without any warranty, may be modified or discontinued at any time, and may have data retention limits. Sandbox data is intentionally ephemeral and may be deleted without notice.

“Customer Data” means content, files, records, messages, photos, and other information you or your end-users submit to the Service. As between the parties, you retain all rights, title, and interest in Customer Data.

You grant Stowley a worldwide, royalty-free, non-exclusive license to host, copy, transmit, display, process, and create derivative works of Customer Data solely as necessary to operate, secure, support, and improve the Service for you. We may also use de-identified, aggregated data derived from Customer Data for internal analytics and product improvement.

You are solely responsible for Customer Data, including its accuracy, legality, and the right to submit it to the Service. You represent and warrant that your use of the Service and your Customer Data does not violate any law, contract, or third-party right.

You agree not to, and not to permit any third party to:

• violate any applicable law or regulation, or infringe the rights of others;
• upload viruses, malware, or any code intended to disrupt the Service;
• probe, scan, reverse engineer, decompile, or attempt to bypass security or rate limits;
• resell, sublicense, or provide the Service to third parties outside the scope of your subscription;
• use the Service to send spam or unsolicited communications;
• upload content that is unlawful, defamatory, harassing, hateful, or sexually explicit; or
• use the Service to handle data to which heightened legal protections apply (for example, regulated health information, payment card numbers outside our payment processor, government IDs, or biometric data) unless we have agreed in writing.

We may investigate and take action — including suspending or terminating accounts and removing content — for any actual or suspected violation, with or without notice.

If you use the Service to communicate with, invoice, or otherwise interact with your own clients or end-users, you are solely responsible for those relationships, including obtaining any consents required by law (such as for email communications, recurring billing authorizations, or processing of personal information), responding to their privacy requests, providing accurate invoices, and resolving any disputes. Stowley is not a party to your contracts with your clients and bears no responsibility for any dispute, chargeback, refund, loss, damaged or missing inventory, missed appointment, or service-quality complaint between you and your clients.

If you accept payments through the Service, those payments are processed by Stripe under Stripe’s own connected-account terms. You are solely responsible for compliance with those terms, for tax obligations, for the accuracy of invoices, and for handling refunds, chargebacks, disputes, and reversals. Stowley does not hold or take custody of funds and is not a party to the payment relationship between you, your clients, and Stripe.

The Service may interoperate with third-party products (for example, calendar sync, email delivery, payment processing). We do not control those services and disclaim all responsibility for them. Your use of any third-party service is governed by that service’s own terms and privacy policy.

Stowley and its licensors own all right, title, and interest in the Service, including all software, content, designs, trademarks, and feedback or suggestions you provide. Subject to your compliance with these Terms, we grant you a limited, non- exclusive, non-transferable, revocable license to access and use the Service during your subscription. All rights not expressly granted are reserved. You may not remove proprietary notices or use our name or marks without prior written consent.

Each party agrees to protect the other’s non-public information disclosed in connection with the Service using the same care it uses for its own confidential information (and no less than reasonable care), and to use it only to perform under these Terms.

The Service, including all software, content, and any data, output, or result generated through it, is provided “as is” and “as available,” with all faults and without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by law, Stowley disclaims all warranties, including the implied warranties of merchantability, fitness for a particular purpose, title, non- infringement, accuracy, and quiet enjoyment.

Without limiting the foregoing, we do not warrant that the Service will be uninterrupted, error-free, secure, or free from data loss; that defects will be corrected; that any data, calculations, reports, exports, AI-generated suggestions, or recommendations will be accurate, complete, or fit for any particular purpose; or that any specific feature, integration, quota, or third-party service will continue to be available. You are responsible for maintaining your own backups of Customer Data and for verifying any output before relying on it.

To the maximum extent permitted by law, in no event will Stowley, its owner, employees, contractors, suppliers, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, anticipated savings, data, or inventory; loss or damage to physical goods; cost of substitute products or services; service interruptions; or unauthorized access to or alteration of data, however caused and under any theory of liability (contract, tort including negligence, strict liability, or otherwise), even if Stowley has been advised of the possibility of such damages.

Stowley’s total aggregate liability for all claims arising out of or relating to the service or these terms, regardless of the form of action, will not exceed the greater of (a) the amounts actually paid by you to Stowley for the service in the three (3) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100.00).

These limitations apply even if a remedy fails of its essential purpose. Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the smallest extent permitted by law.

You will defend, indemnify, and hold harmless Stowley and its owner, employees, contractors, and licensors from and against any and all third-party claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your Customer Data; (b) your use of the Service; (c) your violation of these Terms; (d) your violation of any law or third-party right; or (e) any dispute between you and a client or end-user, including disputes over goods, services, invoices, refunds, chargebacks, or lost or damaged inventory. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us.

We may suspend or terminate your access to the Service at any time, with or without notice, if you breach these Terms, fail to pay fees when due, create risk or legal exposure for us, or use the Service in a way we reasonably believe is harmful. You may terminate by cancelling your subscription. Upon termination, your right to use the Service ends immediately and we may delete Customer Data after a reasonable period. Termination — whether by you or by us, and for any reason — does not entitle you to a refund of fees already paid, and any annual commitment remains payable in full. Sections that by their nature should survive termination — including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution — will survive.

We may modify, add, or remove features, plans, prices, or quotas at any time. We may revise these Terms by posting an updated version with a new effective date and, for material changes, by providing reasonable notice (for example, via email or in-app notice). Continued use of the Service after the effective date of updated Terms constitutes acceptance.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved informally within thirty (30) days of written notice will be resolved by final and binding individual arbitration administered under the then-current commercial arbitration rules of a recognized arbitration provider, conducted in English, with the seat of arbitration in the State of Delaware, United States. You and Stowley each waive any right to a jury trial and any right to participate in a class action, class arbitration, or representative action. Notwithstanding the foregoing, either party may bring an individual action in small-claims court or seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information.

Stowley will not be liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, governmental actions, internet or hosting- provider outages, denial-of-service attacks, or failures of third- party services.

These Terms, together with the Privacy Policy and any order form or written agreement between us, constitute the entire agreement between the parties regarding the Service and supersede all prior agreements. If any provision is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign freely. Notices to Stowley must be sent to hello@stowley.com. Notices to you may be sent to the email address associated with your account or posted in the Service.

Questions about these Terms? Email hello@stowley.com.