Last updated 1 May 2026
These Terms of Service ("Terms") govern your use of the RateCalc.io platform (the "Service"). By creating an account or subscribing, you agree to be bound by these Terms. If you don't agree, don't use the Service.
You must provide accurate registration information and keep your password secure. You're responsible for everything that happens under your account, including the actions of any team members you invite. You must be at least 18 and legally able to enter into a contract on behalf of your business.
Access to the Service requires an active paid Subscription. Subscriptions are billed in advance on a monthly or annual basis through Stripe. You may cancel at any time via the Stripe Customer Portal accessible from your billing page.
We don't offer pro-rated refunds for partial months. If we change our prices we'll give you at least 30 days' notice; the change applies on your next renewal.
If a payment fails we'll retry over a few days, then suspend access until payment is resolved. Persistent non-payment will result in account termination.
You agree not to:
You retain ownership of your Content. You grant us a limited licence to host, process and transmit your Content as needed to deliver the Service to you and your team. We do not access your Content except as necessary for support, security, or legal compliance.
You're responsible for the accuracy and lawfulness of any data you upload, including client names, signatures, and Terms of Business clauses. If a client disputes a signed Terms of Business document we're a witness to acceptance, not a party to the agreement.
Where your Content includes personal data (for example client contact details or candidate names), you are the data controller and we are the data processor. The terms on which we process that data on your behalf are set out in our Data Processing Agreement, which forms part of these Terms.
The Service itself (including the calculator logic, document templates, branding, codebase, and all related intellectual property) belongs to us. We grant you a non-exclusive, non-transferable right to use the Service for the duration of your Subscription.
Where you upload a Word document via the Terms of Business parser, the document text is sent to Anthropic's API for clause extraction. The extracted structure is returned to you for review and saved against your account. Anthropic's terms govern how they process the request; we don't permit them to retain your text for training.
We aim to keep the Service available 24/7 but we don't promise uninterrupted access. We may need to take the Service offline for maintenance, upgrades, or to respond to security incidents. We'll give reasonable notice for planned downtime where we can.
Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or anything that can't be limited under UK law.
Subject to that, our total aggregate liability under or in connection with these Terms is capped at the fees you paid us in the 12 months immediately before the event giving rise to the claim. We're not liable for indirect, consequential, or loss-of-profit damages, even if we knew they were possible.
We don't warrant that the Service is free of bugs or that it'll meet every business need you have. The Service is provided on an "as is" basis to the maximum extent permitted by law.
You can terminate your Subscription at any time via the Stripe Customer Portal. We can terminate or suspend your access if you breach these Terms, with reasonable notice except where the breach is serious or repeated. On termination we'll retain your data for 30 days so you can resume; after that we delete it (subject to legal retention requirements).
We may update these Terms occasionally. Material changes will be communicated by email to active subscribers at least 30 days before they take effect. Continued use after the effective date means you accept the updated Terms.
These Terms are governed by English law. The courts of England and Wales have exclusive jurisdiction over any disputes.
Questions, support, or notices under these Terms: email hello@ratecalc.io.