Terms of Service

1. What Chit is

Chit is a quoting and invoicing tool for self-employed and small trade businesses. It helps you record jobs, generate invoices, and keep basic records. It is not an accountancy, tax, or legal service — you're responsible for the accuracy of your own invoices, and for meeting your own tax and VAT obligations (including Making Tax Digital requirements, where they apply to you). If you're unsure about any of that, speak to an accountant.

2. Your account

You're responsible for keeping your login details secure and for everything that happens under your account. Tell us straight away if you think someone else has access to it.

3. Plans and billing

• The free plan allows up to 5 invoices per calendar month.
• The paid plan removes that limit for a recurring monthly fee, billed automatically through Stripe until you cancel.
• You can cancel any time from the billing portal in Settings — you'll keep paid access until the end of the period you've already paid for, and we don't provide refunds for the unused part of a billing period.
• We may change pricing with reasonable advance notice; changes won't apply retroactively to a period you've already paid for.

4. Online payments via Stripe Connect

If you set up online payments, Chit uses Stripe Connect to let your clients pay an invoice by card, with the money going directly to your own bank account. In doing this:

• We're a technology provider, not a party to the transaction.The underlying sale — the job you did, the price you charged, whether it was delivered satisfactorily — is a matter between you and your client. We don't review, approve, or take responsibility for what any individual invoice is for.
• Chargebacks and disputes.If a client disputes a card payment with their bank, that dispute is handled through Stripe and is between you and Stripe (and, in turn, your client) — not something we're able to resolve or are liable for. We'll assist where we reasonably can, but the outcome and any resulting deduction from your balance is governed by Stripe's own terms.
• Stripe's own terms apply too.Setting up online payments means accepting Stripe's own terms of service and Connected Account Agreement directly with Stripe — separate from these terms with us.
• Stripe's own fees apply, and are deducted before you're paid. Stripe charges its own processing fee (currently around 1.5% + 20p per UK card payment — see Stripe's pricing page for their current rate) on each payment, deducted before the remainder reaches your bank account. You'll receive slightly less than the full invoice total, not the exact amount your client paid. We don't control this fee or how quickly a payout reaches your bank — both are set by Stripe, not us.
• Refunding a client is your decision and your responsibility, done through Stripe directly — we don't process or fund refunds ourselves.

5. Acceptable use

Use Chit for genuine invoicing of your own clients. Don't use it to send fraudulent invoices, to store data you don't have a lawful right to hold, or to try to disrupt or reverse-engineer the service.

6. Your data

You own the business and client data you put into Chit. See our Privacy Policy for how we handle it. You can export or delete your data at any time by contacting support@chit.website.

7. Service availability

We aim to keep Chit available and working properly, but we don't guarantee uninterrupted access — like any small software product, there may be occasional downtime or bugs. We'll fix problems as quickly as we reasonably can.

8. Limitation of liability

To the extent permitted by law, our total liability to you for any claim relating to Chit is limited to the amount you've paid us in the 12 months before the claim. We're not liable for indirect losses, like lost profits or lost business, or for losses arising from your use of Stripe Connect that are properly Stripe's or your own responsibility under section 4 above. Nothing in these terms limits liability for death or personal injury caused by negligence, or for fraud — those can't legally be excluded.

9. Ending your account

You can close your account at any time. We may suspend or close accounts that breach these terms, breach the law, or go unpaid after a reasonable grace period.

10. Governing law

These terms are governed by the law of England and Wales.

11. Changes to these terms

We'll give you reasonable notice of any material changes before they take effect.