Terms of Service

Last updated: 8 October 2026

These terms set out the agreement between you and BuilderPay when you use our job tracking and invoicing app. Please read them carefully.

1. About these terms

BuilderPay is operated by Charalampos Louzi, trading as BuilderPay ("we", "us", "our"). You can contact us at hello@builderpay.app.

By creating an account or using BuilderPay, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use BuilderPay.

Business use only. BuilderPay is for businesses, including sole traders, contractors and companies, to manage their own work. By using it you confirm that you are acting for business purposes and not as a consumer. If you sign up on behalf of a company, you confirm that you have authority to accept these terms for it.

2. Your account

To use BuilderPay you must be at least 18 years old, run a business or work as a self-employed tradesperson in the United Kingdom, and give us accurate information when you sign up, including a working email address. Please keep your details up to date.

You are responsible for:

• keeping your password secure and not sharing your login;
• everything that happens under your account;
• telling us straight away at hello@builderpay.app if you think someone has accessed your account without permission.

We may ask you to verify your email address before you can send invoices, quotes or reminders.

3. Free trial, subscription and payment

Free trial. New accounts get a 14-day free trial with full access. You do not need to give card details to start.

When the trial ends. If you have not subscribed by the end of the trial, your account becomes read-only: you can still sign in, view and export your jobs, quotes, invoices and clients, but you cannot create or send anything new until you subscribe. Nothing is deleted.

Price. A BuilderPay subscription costs £25 per month. We are not VAT registered, so no VAT is added. If we become VAT registered, we will tell you how this affects your price before it applies.

Billing. Subscriptions are billed monthly in advance through our payment provider, Stripe, and renew automatically each month until you cancel. By subscribing, you authorise us to charge your card each month.

Failed payments. If a payment fails, we will let you know and retry it. If it is still unpaid after 7 days, your account will become read-only until the payment is made.

Price changes. We may change our prices. We will give you at least 30 days' notice by email, and the new price will apply from your next billing date after that notice. If you do not want to pay the new price, you can cancel before it takes effect.

4. Cancellation and refunds

Cancel anytime. You can cancel your subscription at any time in the app or by emailing hello@builderpay.app. There is no minimum term and no cancellation fee.

What happens when you cancel. You keep full access until the end of the month you have already paid for. After that, your account becomes read-only, so you can still view and export your records.

Refunds. Payments are not refundable, and we do not give refunds or credits for partial months or unused time. This does not affect any rights you have under law that cannot be excluded. If you think you have been charged in error, contact us and we will look into it.

Deleting your account. Cancelling your subscription does not delete your data. You can delete your account at any time in the app. Please export anything you need first, as deleted data cannot be recovered. Our Privacy Policy explains how long we keep information after an account is closed.

5. Your data and your clients' data

You own your content. Everything you put into BuilderPay, including your business details, logo, jobs, notes, photos, quotes, invoices and client records, remains yours. You give us permission to store, copy, display and send that content only as needed to provide BuilderPay to you, for example to generate a PDF invoice and email it to your client.

Your clients' information. When you add details about your clients, you are responsible for having a lawful reason to use that information and for using it in line with UK data protection law. For that information we act as your data processor and handle it only on your instructions, as explained in our Privacy Policy. If your business needs a separate data processing agreement, contact us.

Keep your own copies. We work to protect your data, but you should regularly export important records, especially anything you must keep for HMRC.

Feedback. If you send us ideas or suggestions, we may use them to improve BuilderPay without any obligation to you.

Our intellectual property. BuilderPay's software, design, name and logo belong to us. These terms give you the right to use BuilderPay as described here, but no other rights to our intellectual property.

6. Your responsibilities for invoices and tax

BuilderPay is a tool to help you create and send documents. It is not an accountant, tax adviser or legal adviser.

You are responsible for:

• checking that every quote and invoice is accurate before you send it, including prices, client details, dates and bank details;
• meeting your own legal and tax obligations, including VAT, the Construction Industry Scheme (CIS), Self Assessment and record keeping;
• the agreements you make with your clients, and any disputes or unpaid invoices with them.

Any CIS or tax figures BuilderPay calculates are a guide based on the information you enter. Please check them, and speak to an accountant if you are unsure. We are not a party to any contract between you and your clients and are not responsible for whether they pay you.

7. Acceptable use

You must use BuilderPay only for genuine business invoicing and job management. You must not use it to:

• send phishing messages, scams, fake invoices or misleading payment requests;
• impersonate another person, business or brand;
• send spam or unsolicited bulk messages;
• send content that is illegal, threatening, abusive or infringes someone else's rights;
• upload viruses, malware or harmful code, or include links to them;
• try to access another user's account or data, or get around our security;
• copy, resell or reverse-engineer BuilderPay, or use automated tools to overload or scrape it;
• break any law, including data protection and anti-fraud laws.

We may review content when we reasonably suspect misuse, remove it, and suspend or close accounts that break these rules, without notice where needed to protect other users or the service. We may report illegal activity to the police or other authorities.

8. Availability, changes and ending your account

Availability. We work to keep BuilderPay running reliably, but we cannot promise it will always be available or free of errors. It may be unavailable at times for maintenance, updates or reasons outside our control, such as problems with our hosting or email providers.

Changes to BuilderPay. We regularly improve BuilderPay and may add, change or remove features. If we remove a feature you rely on in a way that significantly reduces what you get for your subscription, we will try to give you reasonable notice, and you can cancel if you are unhappy.

If we suspend or close your account. We may suspend or close your account if you seriously or repeatedly break these terms, if payment remains outstanding, or if we must do so by law. Where reasonable, we will warn you first and give you a chance to fix the problem and export your data.

If we stop offering BuilderPay. If we ever close the service, we will give you at least 30 days' notice so you can export your data, and refund any amount you have paid for time after the closure date.

9. Our liability

What we don't exclude. Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded by law.

Service provided "as is". Apart from what these terms expressly say, BuilderPay is provided as it is and as available, and we do not give any other promises or guarantees about it, to the extent the law allows.

Losses we are not responsible for. We are not liable for:

• loss of profits, revenue, business, contracts or goodwill;
• loss or corruption of data, where you could have avoided it by keeping your own exports;
• unpaid invoices, client disputes, or tax penalties arising from documents you created or sent;
• any indirect or consequential loss.

Limit on our liability. Our total liability to you for all claims arising from or connected with BuilderPay in any 12-month period is limited to the greater of £100 or the total amount you paid us in that 12-month period.

Your responsibility to us. You agree to cover any claims, losses or reasonable costs (including legal fees) we incur because of content you send through BuilderPay, your dealings with your clients, or your breach of these terms or the law.

10. Changes to these terms and general

Changes to these terms. We may update these terms from time to time. For significant changes, we will email you at least 30 days before they take effect. If you keep using BuilderPay after that date, the new terms apply. If you do not agree, you can cancel before then.

General.

• These terms, together with our Privacy Policy, are the whole agreement between you and us about BuilderPay.
• You may not transfer your rights under these terms to anyone else without our written agreement. We may transfer ours, for example if BuilderPay is sold or becomes a limited company, and will tell you if this happens.
• If any part of these terms is found to be unenforceable, the rest stays in effect.
• If we do not enforce a right straight away, we can still enforce it later.
• Nobody other than you and us has any right to enforce these terms.

Law and disputes. These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute. Please contact us first so we can try to resolve any problem informally.

Contact: hello@builderpay.app · Charalampos Louzi, trading as BuilderPay.

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