Terms of Service

Version 2026-08-28 · Effective 2026-08-28

1. Acceptance and Eligibility

These Terms of Service (the “Terms”) are a binding contract between you and [[COMPANY]] (“CoatEngine”, “we”, “us”), governing your access to and use of the CoatEngine web application, its quote documents, and everything we make available at coatengine.com (the “Service”).

You accept these Terms by checking the acceptance box when you create an account, and again each time you use the Service. If you do not accept them, do not create an account and do not use the Service.

To hold an account you must be at least 18 years old and legally able to enter into a contract. If you accept these Terms for a company, you represent that you are authorized to bind it, and “you” means that company.

The Service is sold for business use. It is a professional tool for contractors and is not offered, marketed, or intended for personal, family, or household purposes. By accepting these Terms you confirm you are using the Service in the course of a trade or business.

2. Definitions

• Contractor — the account holder using the Service to estimate and quote work.
• End Client — your customer: the property owner or business you send a Quote to.
• Quote — an estimate document produced by the Service, whether viewed in the app, downloaded as a PDF, or opened through a public link.
• Connected Account — the Stripe account you open in your own name to collect payments from your End Clients.
• Your Content — everything you enter or upload: client and worker records, project data, rates, logos, cover images, and quote text.

3. Accounts and Security

You are responsible for keeping your credentials confidential and for everything done through your account. Notify us at support@coatengine.com as soon as you suspect unauthorized access.

Email verification. Registration requires confirming your email address with a numeric code. The code expires after 15 minutes, is invalidated after five incorrect attempts, and cannot be resent more than once a minute. You cannot reach the plan selection, the checkout, or the application itself until your address is confirmed. Keep the address current and reachable: it is where every billing and security notice goes.

Sessions. Signed-in sessions expire after eight hours of validity. Changing your password signs out every open session, including any an attacker may hold.

One credential per person. Credentials are personal. Do not share a password with anyone, including colleagues. Where your plan includes additional seats, each person must have their own invited sub-account.

Team sub-accounts. Pro plans include up to four sub-accounts in addition to the owner. Invitations expire after 72 hours. Sub-accounts inherit the owner's subscription and cannot access billing, the Connected Account, or financial exports. The account owner is responsible for the acts and omissions of every sub-account as if they were their own, and may revoke any of them at any time. When the owner's subscription ends, so does sub-account access.

Suspension. We may suspend or terminate an account immediately, with or without notice, where we reasonably believe there is unauthorized access, credential sharing, fraud, chargeback abuse, or any breach of Section 7.

4. Subscriptions, Billing and Renewal

No free plan and no free trial. Access requires a paid subscription. Signing up creates an inactive account; it is activated when Stripe confirms your first payment.

Plans and prices. Current plans, features and prices are shown at /plans/ and are the authoritative statement of what you pay. Prices are in U.S. dollars. Deliberately, no price is written into these Terms: the page and your Stripe receipts govern.

Cancellation. Cancel at any time from the Stripe Customer Portal, reachable from your account settings. Cancellation takes effect at the end of the billing period you have already paid for. You keep full access until then. We do not require you to call, email, or speak to anyone to cancel.

Refunds. Except where a refund is required by law, fees are non-refundable, including for partial periods, unused time, and periods during which you did not use the Service. Cancelling stops the next charge; it does not refund the current one.

Plan changes. Upgrades are prorated and invoiced immediately. Downgrades produce a credit balance on your Stripe customer record, applied against future invoices — not a refund to your card. Your billing anniversary does not move when you change plans.

Failed payments. If a charge fails, your subscription enters a past-due state and Stripe retries on its published schedule. We attempt to notify you. If the retries are exhausted the subscription becomes unpaid or cancelled and access stops, including for any team sub-accounts. Your data is not deleted — see Section 17.

Taxes. Prices exclude taxes. You are responsible for all sales, use, VAT, GST and similar taxes on your subscription, other than taxes on our net income, and for all taxes arising from your own work and the payments you collect from End Clients.

Price changes. We may change prices. Any change applies from your next renewal and we will give you notice before it takes effect, so that you can cancel first if you prefer.

Billing email. The email on your billing record cannot be edited in the Customer Portal. Contact support@coatengine.com to change it.

5. Contractor Payments through Stripe Connect

On Pro plans you may open a Connected Account and send your End Clients payment links for a deposit and a balance. This section governs that feature and it is important that you read it.

Stripe's terms apply to you directly. Your use of the Connected Account is governed by your agreement with Stripe, including the Stripe Connected Account Agreement and the Stripe Services Agreement, which are incorporated into these Terms by reference. You must comply with them, including Stripe's restricted-business list. Stripe may hold, delay, or reverse funds under its own terms, and we have no ability to influence that.

We are not a party to your contract with your End Client. The agreement to perform painting work, its price, its schedule, its warranty, and its performance are entirely between you and your End Client. We are not responsible for that contract, its enforceability, its breach, or any dispute arising from it.

Refunds, disputes and chargebacks are yours. Refunds to End Clients are issued by you from your own Stripe dashboard; the Service cannot issue them. When we receive notice that a charge was refunded, the payment record stops counting as collected. A refund does not reverse anything else: the project remains in progress, the Quote remains approved, and any state you need to undo you must undo yourself. You bear all chargebacks, disputes, reversals, and Stripe fees on payments to your Connected Account.

How the links behave. Payment links can only be created against an approved Quote. Collection is in two stages: a deposit, then the balance, and the balance stays locked until the deposit is settled. If you re-quote or approve a different Quote, outstanding unpaid links are deactivated at Stripe and marked expired; links already paid are never altered. Disconnecting your Connected Account expires outstanding links.

Your compliance. You are solely responsible for complying with every law that applies to collecting money from your clients, including licensing, deposit limits on home improvement contracts, consumer protection rules, and tax reporting.

6. Estimates Are Not Professional Advice

The Service calculates surface areas, paint quantities, labor hours, burden, margin and totals from measurements, rates, yields and multipliers that you supply and configure. Its output is an estimate, produced by arithmetic on your inputs.

It is not an appraisal, an inspection, an engineering opinion, a guarantee of cost, or professional advice of any kind. Real jobs differ from models: surfaces absorb differently, crews work at different speeds, materials change price, and site conditions surprise everyone. You must review every figure and satisfy yourself that it is right before you present a Quote or commit to a price.

You are solely responsible for the prices you quote and the commitments you make. To the fullest extent permitted by law, we are not liable for underbidding, cost overruns, lost margin, unprofitable jobs, rejected bids, understated materials or labor, or any other loss arising from a figure the Service calculated or from your reliance on it.

Licensing, insurance and contract sufficiency are yours. We do not verify and are not responsible for your contractor licensing, registration, bonding, insurance, workers' compensation, or lien rights. A Quote generated by the Service is not a complete home improvement contract. Depending on your state and the type of work, a binding contract may require disclosures the Service does not produce — including cancellation rights, lien notices, license numbers, and mandated contract language. Confirming that any document you deliver satisfies the law where you work is your responsibility, and we recommend you have your contract forms reviewed by your own attorney.

7. Acceptable Use

The Service accepts structured data you type in, plus image uploads for quote branding. It does not accept, fetch, or convert arbitrary files, URLs, or markup. You agree not to:

• upload any image you do not own or have the right to use, including a certification, association, or partner mark you do not actually hold;
• upload content that is unlawful, infringing, defamatory, or obscene;
• attempt to circumvent rate limits, quotas, seat limits, feature gating, or the paywall;
• scrape the Service, or access it by any automated means, script, or bot;
• resell, sublicense, rent, or provide the Service to third parties as a bureau or agency service, or share one paid account across separate businesses;
• probe, scan, or test the security of the Service, or interfere with its operation or with any other user's use of it;
• attempt to access data belonging to another account;
• use the Service to send unsolicited commercial messages, or to send a Quote link to anyone who has not asked you for a quote;
• use the Service for any unlawful purpose, or in breach of any law that applies to you.

If you find a security vulnerability, please report it to support@coatengine.com rather than exploiting it. We will not pursue good-faith researchers who report privately and do not access other users' data.

8. Your Content and Third-Party Data

You own Your Content. We claim no ownership of your projects, quotes, client records, rates, or branding. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, transmit and display Your Content solely to operate the Service for you — for example to render your logo into your Quote PDF, or to show a Quote to the End Client you sent it to. That licence ends when the content is deleted, except for copies retained in routine backups until they expire.

Data about other people. When you enter an End Client's name, address, phone or email, or a worker's name and pay rate, you are giving us personal data about someone who has no relationship with us. You represent and warrant that you have the right and any necessary basis to provide that data and to have us process it. As between you and us, you are the controller of that data and we are your processor. Our Data Processing Addendum governs that processing and forms part of these Terms. What we collect and how long we keep it is described in our Privacy Policy.

Branding you upload. You represent and warrant that you own or are licensed to use every logo, certification mark, partner mark, and cover image you upload, and that displaying it on your Quotes is truthful and not misleading. We may remove any uploaded image, without notice, where we reasonably believe it infringes a third party's rights or misrepresents a credential you do not hold.

Feedback. If you send us suggestions, we may use them without restriction or obligation to you.

9. Public Quote Links and Electronic Acceptance

When you share a Quote, the Service publishes it at a link containing an unguessable random token. Anyone holding that link can view the Quote, download it, and accept or decline it, without signing in. Treat the link as a secret and send it only to the End Client it is meant for. The link stops working 90 days after the Quote's validity period expires, and a Quote you have superseded is no longer served.

Electronic acceptance. When an End Client accepts or declines a Quote through the link, the Service records that response together with the date, time, and originating IP address. Under the U.S. E-SIGN Act and applicable state Uniform Electronic Transactions Acts, that action is intended to have the effect of a signature, and each party consents to transacting electronically.

What we do and do not warrant about it. We record the acceptance; we do not warrant that a Quote accepted through the Service is a valid, enforceable, or legally sufficient contract in your jurisdiction, that the person who clicked was authorized to bind anyone, or that the record will satisfy a court. We are not a party to the resulting agreement. If enforceability matters to you — and on a construction contract it should — use a contract form your attorney has approved.

If you received a Quote from a contractor. You are using a page we host on your contractor's behalf. Your agreement is with them, not with us. We process the limited data described in our Privacy Policy on their instructions. Questions about the work, the price, or a payment should go to your contractor; questions about the page itself may go to support@coatengine.com. Sections 14, 15, 20 and 21 apply to your use of that page.

10. Intellectual Property

The Service — its software, source code, calculation engine, templates, designs, the CoatEngine name and logo, and all related intellectual property — is and remains ours and our licensors'. Nothing in these Terms transfers any of it to you.

Subject to your compliance with these Terms and payment of your fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for your own business during your subscription. You may use the Quotes you generate however your business requires, including delivering them to your End Clients.

You may not copy, modify, translate, decompile, disassemble, reverse engineer, or create derivative works of the Service, nor remove any proprietary notice from it, except where that restriction is unenforceable under applicable law.

11. Availability, Limits and No SLA

The Service is provided “as is” and “as available”. We do not commit to any level of uptime and offer no service level agreement. There is no credit, refund, or remedy for downtime.

We may modify, suspend, or discontinue any part of the Service, and may perform maintenance, at any time. We will try to give notice of planned maintenance where practical, but we may act without notice when we need to.

We are not responsible for interruptions or failures caused by anything outside our direct control, including Stripe, our hosting provider, network operators, DNS, certificate authorities, or mail servers.

Email is best-effort. Verification codes, password reset codes, welcome messages, payment-failure notices, and renewal reminders are sent on a best-effort basis. Delivery is not guaranteed and a failed send does not stop the underlying event from taking effect. You remain responsible for monitoring your subscription and payment status.

Rate limits. To keep the Service available for everyone, requests are throttled. The current limits are approximately:

These figures are indicative, are applied per network address, and may change at any time without notice. Deliberately circumventing them breaches Section 7.

Keep your own copies. The Service is not a backup service or a system of record. We take routine backups for our own operational continuity, but we do not guarantee that any particular data can be recovered. You are responsible for exporting and retaining your own copies of the quotes, financial records, and client information you need for your business and your tax obligations.

12. Third-Party Services

The Service depends on third parties, including Stripe for payments and subscriptions, our hosting and mail provider, a certificate authority, and Google-hosted web fonts. Their services are governed by their own terms and privacy policies, and we are not responsible for them. The current list is maintained in our Privacy Policy.

13. Future Functionality

Some features are labelled “coming soon” and are not available on any plan. You must not subscribe, upgrade, or renew in reliance on any feature that is not working today. Roadmaps, previews, and announcements are statements of intent, not commitments, and we may change or abandon them. Your rights depend only on what the Service actually does at the time you pay.

14. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. WE SPECIFICALLY DISCLAIM THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT ANY DATA WILL BE PRESERVED OR RECOVERABLE; OR THAT ANY CALCULATION, ESTIMATE, QUANTITY, COST, OR TOTAL PRODUCED BY THE SERVICE IS ACCURATE, COMPLETE, OR SUITABLE FOR ANY PARTICULAR JOB.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST MARGIN, LOST BUSINESS, LOST GOODWILL, OR LOST OR CORRUPTED DATA, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, ON ANY THEORY OF LIABILITY, WILL NOT EXCEED THE AMOUNTS YOU ACTUALLY PAID US FOR THE SERVICE IN THE SIX (6) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limits do not apply to your obligation to pay fees, to your indemnity obligations under Section 16, or to liability that cannot be limited under applicable law.

These limits are a deliberate allocation of risk and are a basis of the bargain between us. The subscription price reflects them; without them the Service could not be offered at this price. They apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

16. Indemnification

You will defend, indemnify, and hold harmless CoatEngine, its officers, employees and agents from any third-party claim, demand, proceeding, loss, liability, damage, cost, or expense (including reasonable legal fees) arising out of or relating to:

• your use or misuse of the Service, or use through your account or any of your sub-accounts;
• Your Content, including any image or mark you upload;
• personal data you provide about End Clients, workers, or anyone else;
• any contract, quote, estimate, dispute, or work between you and an End Client, including any claim that a price was wrong or a document legally insufficient;
• payments you collect through your Connected Account, including refunds and chargebacks;
• your breach of these Terms, or your violation of any law or third-party right, including contractor licensing, consumer protection, and marketing laws.

We will notify you of any claim, give you control of the defence (except that you may not settle in a way that admits our liability or binds us without our written consent), and cooperate at your expense.

17. Term, Suspension and Termination

These Terms apply from your first use of the Service until your account is terminated.

Ending it yourself. Cancel your subscription at any time through the Stripe Customer Portal, effective at the end of your paid period.

Ending it on our side. We may suspend or terminate your access immediately, with or without notice, if you materially breach these Terms, if your payment fails and is not cured, if we are required to by law, or if we reasonably believe your use puts the Service or another user at risk. Where the breach is curable and the risk is low, we will normally give you notice and a chance to fix it first.

Sections 8 (as to licences already exercised), 10, 14, 15, 16, 20, 21 and 23 survive termination.

18. Copyright Complaints

If you believe material on the Service infringes your copyright, send a notice under the Digital Millennium Copyright Act to our designated agent at support@coatengine.com, or in writing to [[DMCA_AGENT]], [[ADDRESS]]. Include: your signature (electronic is fine), identification of the work, the URL of the material, your contact details, a statement of good-faith belief that the use is unauthorized, and a statement under penalty of perjury that your notice is accurate and you are authorized to act.

We will remove or disable material in response to a valid notice and will terminate repeat infringers. If your material was removed in error you may send a counter-notice with the same formalities.

19. Changes to These Terms

We may update these Terms. The version identifier and effective date at the top of this page will change. For material changes we will give notice by email or in the application before they take effect.

Continuing to use the Service after the effective date means you accept the updated Terms. If you do not accept them, cancel before that date. Changes do not apply retroactively to a dispute that arose before they took effect.

20. Dispute Resolution and Arbitration

Please read this section carefully. It affects how disputes between us are resolved and requires arbitration on an individual basis.

Talk to us first. Before starting any formal proceeding, send a written description of the dispute and the relief you want to support@coatengine.com. We will do the same for you. If we cannot resolve it within 30 days, either of us may proceed.

Agreement to arbitrate. Any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be settled by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be seated in [[COUNTY]] County, Florida, or conducted remotely, and the arbitrator's award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Class action waiver. DISPUTES WILL BE ARBITRATED ONLY ON AN INDIVIDUAL BASIS. YOU AND COATENGINE WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION, AND THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS. If this waiver is held unenforceable as to a particular claim, that claim proceeds in court and the rest of this section still applies to all other claims.

Jury trial waiver. YOU AND COATENGINE EACH WAIVE ANY RIGHT TO A TRIAL BY JURY.

Exceptions. Either of us may bring a claim in small claims court if it qualifies, and either of us may seek injunctive relief in court to protect intellectual property or stop unauthorized access.

21. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, excluding its conflict-of-laws rules and the U.N. Convention on Contracts for the International Sale of Goods.

For any dispute not subject to arbitration, you and we submit to the exclusive jurisdiction of the state and federal courts located in [[COUNTY]] County, Florida, and waive any objection to that venue.

22. Export, Sanctions and Government Users

You represent that you are not located in, and are not a national of or controlled by, any country subject to a U.S. embargo, and that you do not appear on any U.S. government restricted-party list. You will not use or export the Service in violation of U.S. export control or sanctions laws.

If you are a U.S. government entity, the Service is “commercial computer software” and “commercial computer software documentation”, licensed with only the rights granted here.

23. General

Force majeure. Neither party is liable for a failure to perform caused by events beyond its reasonable control, including natural disasters, war, terrorism, labour disputes, utility or network failures, and acts of government. Payment obligations are not excused.

Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

Entire agreement. These Terms, together with the Privacy Policy and the Data Processing Addendum, are the entire agreement between us about the Service and supersede all prior discussions. Any purchase order or other document you issue has no effect.

Severability and waiver. If any provision is held unenforceable, it is modified to the minimum extent necessary and the rest stays in force. A failure to enforce a provision is not a waiver of it.

No third-party beneficiaries. These Terms create no rights for anyone other than you and us.

Relationship. We are independent contractors. Nothing here creates a partnership, joint venture, agency, or employment relationship.

Notices. We give notice to the email address on your account or by posting in the Service. You give notice to support@coatengine.com. You consent to receiving contractual notices electronically.

Language. These Terms are written in English. Any translation is provided for convenience only; the English version governs in the event of any inconsistency.

Contact

[[COMPANY]]
[[ADDRESS]]
support@coatengine.com

Terms of Service · Privacy Policy · Data Processing Addendum