Terms of Service

These Terms of Service (the “Terms”) are an agreement between you and Bower Family Electric, LLC (“we”, “us”), the company that makes Peltuvo (the “Service”). By creating an account, checking the box that you agree, or using the Service, you accept these Terms, our Privacy Policy and our Refund Policy. If you use the Service for a business, you accept them for that business and confirm you are allowed to.

1. Who can use the Service

• You must be at least 18 years old and give us true, current information.
• The Service is for running a business, mainly in the United States. It is not meant for personal or household use.
• Each business gets one free trial.

2. What the Service is — and isn’t

Peltuvo helps trade contractors manage customers, jobs, estimates, invoices, payments, scheduling, photos, time, expenses and business numbers. It is a tool. You decide what to charge, what to promise, and how to do the work. We are not your lawyer, accountant, tax adviser, insurer or payment processor, and nothing in the Service is professional advice.

3. Your account and your team

• The person who creates the business account is its owner. The owner controls the account, the plan, the data, and who else gets access.
• You are responsible for everything done under your account, including by people you invite. Give each person their own login and remove access when someone leaves.
• Keep your password private and turn on two-step login. Tell us right away at support@peltuvo.com if you think someone got into your account.
• We look inside your account only to run, secure and fix the Service, when the law requires it, or when the owner grants us support access in Settings. Support access is time-limited, can be turned off at any time, and is recorded in your account’s activity log. Work to improve the Service uses de-identified data, as section 9 explains.

4. Free trial

• New businesses get a free trial (currently 14 days) with every feature turned on. No payment card is needed.
• When the trial ends, nothing is charged and nothing is deleted. The account becomes read-only: you can still see and export everything, record payments, and your customers can still pay open invoices. Choose a plan at any time to pick up where you left off.
• We may end a trial early if it is being used to get around these Terms, for example by creating repeat trials.

5. Plans, billing and renewal

Who you buy from

Subscriptions are sold through our authorized reseller and merchant of record, Creem. Creem takes your payment, adds any sales tax or VAT that applies, sends your receipts, and is the name on your card statement. Creem’s buyer terms also apply to the purchase. These Terms cover the Service itself.

Renewal and cancelling

• Plans are billed in advance, monthly or yearly, in US dollars, and renew automatically for the same period until cancelled.
• Cancel any time in Settings → Plan & billing. There is no cancellation fee and no contract beyond the month or year you have already paid for. You keep full access until the end of that period; then the account becomes read-only, as after a trial.
• If you switch plans, the difference is charged or credited right away, in proportion to the time left in the period.
• Extra storage is a monthly add-on you can cancel the same way.

Price changes

We will email the account owner at least 30 days before a price increase. It applies from your first renewal after those 30 days. If you don’t want the new price, cancel before it applies.

Failed payments

If a payment fails, you keep full access for 7 days while it is retried or you update your card. After that the account becomes read-only until the bill is paid. We don’t charge late fees or interest on subscriptions.

Refunds and free access

• Refunds are covered by our Refund Policy.
• Complimentary, promotional or “lifetime” access has no cash value and can’t be transferred. “Lifetime” means for as long as we operate the Service.

6. Payments from your customers

• Card and bank payments from your customers go through Stripe into your own Stripe account, under your agreement with Stripe. We are not a party to those payments, we never hold your money, and we never see or store full card or bank numbers. Stripe decides whether to approve your account, and handles payouts, holds and reserves.
• Connecting Stripe lets the Service create payment pages for your invoices and read whether they were paid. You can disconnect at any time from your Stripe dashboard.
• You are responsible for your prices, refunds, disputes and chargebacks with your customers, and for any taxes you collect. We don’t charge you dispute or chargeback fees; Stripe’s own fees still apply.
• If you turn on a card surcharge, convenience fee or cash-discount setting, you are responsible for following card network rules and your state’s laws. The Service tries to keep these settings within published rules, but that is not legal advice.
• Checks, cash, Zelle, Venmo and other payments you record in the Service are records only. We don’t move that money.
• We don’t take a cut of your customer payments. If we ever add a fee, we will give at least 30 days’ notice, and it will apply only to payments made after that.

7. Your work, your contracts and your customers

• Estimates, approvals, deposits, invoices and bookings made through the Service are agreements between you and your customer. We are not a party to them, and we don’t perform, guarantee or warrant your work.
• When a customer approves an estimate by typing their name, we record the name, the date and time, their internet (IP) address and device, and a fingerprint of the exact estimate version they saw. This helps you show what was agreed. We don’t promise that an approval is enforceable, or that your documents meet the rules where you work — such as licensing, permits, home-improvement contract requirements, cancellation-right notices (for example, the federal three-day cooling-off rule for some sales made at a customer’s home), lien notices or warranty laws.
• Templates, sample wording and default settings are starting points, not legal advice. Review them before you use them.

8. Messages to your customers

• When you send an estimate, invoice, receipt, reminder, booking confirmation or review request, we email it for you from our sending service, under your business name. Replies go to you.
• You are responsible for having permission to contact the people you message, for what the messages say, and for honoring requests to stop. That includes laws such as the CAN-SPAM Act and the Telephone Consumer Protection Act. If you ask for reviews, follow review sites’ rules — for example, don’t offer rewards for reviews.
• “Send by text” opens the Messages app on your own phone. The text is sent from your phone number by your carrier, not by us. If we later offer automated texting, it will come with extra terms you must accept before turning it on.
• We may pause sending if bounces or spam complaints put email delivery for everyone at risk. We will tell you why.

9. Your data

You own it

Everything you, your team and your customers put into your account — customers, jobs, documents, photos, numbers — is “Your Data”, and it belongs to you. You give us permission to store, copy, back up, process, send and display Your Data to provide, secure and support the Service, and to improve it as described below and in our Privacy Policy.

How we use it to improve the Service

• We may use Your Data to improve the Service and build new features, including creating, training and testing artificial-intelligence (AI) features — for example, suggesting line items, prices or how long a job will take.
• Before we use Your Data this way, we de-identify it: we remove names, email addresses, phone numbers, street addresses, signatures and payment details, and we separate photos from customer names and addresses and strip their hidden details, such as location. We don’t try to identify anyone from de-identified data. Pricing-coach household numbers and data from your Google account are never used this way.
• Nothing we build will show your customers, prices, documents or photos to another business. Where we show figures from many businesses, such as typical prices, they are combined so no single business can be picked out.
• De-identified data, and what we learn from it — such as improved features or trained AI models — may be kept after your account is deleted, because it no longer identifies you or your customers.

What we don’t do with it

• We don’t sell it or rent it.
• We don’t use it for advertising, and we don’t let others advertise to you or your customers through the Service.
• We don’t let other companies train their own AI models on it.
• We don’t use your business name or logo in our marketing without your written permission (an email is enough).

Your promises about it

• You have the right to collect and use your customers’ information, and you give them any notices the law requires.
• You won’t store information the Service isn’t built to protect: full card numbers, bank account numbers, Social Security numbers, or health information beyond what a job truly needs.

Export, cancellation and deletion

• Export all of Your Data — spreadsheets plus your photos and files — at any time from Settings → Your data.
• Cancelling doesn’t delete anything. The account stays read-only, and you can still export.
• Deleting the account (Settings → Your data) starts a 30-day undo period. After that, Your Data is erased, apart from de-identified data as explained above. Copies in our backups are overwritten within 30 more days. We keep only records the law requires us to keep, such as billing records.
• If an account has had no paid plan and no sign-in for 24 months, we may delete it. We will email the owner at least 60 days before, so there is time to sign in or export.
• We back up the Service every night, but no system is perfect. Keep your own export of anything you can’t afford to lose.

10. Acceptable use

Don’t use the Service to:

• break the law, mislead or defraud anyone, or infringe someone else’s rights;
• send spam or messages to people who haven’t agreed to hear from you;
• upload malware, or try to get into another business’s data or any part of the Service you aren’t allowed into;
• probe, scan, overload or disrupt the Service, or scrape it with bots;
• copy, resell or rent out the Service, or reverse-engineer it, except where the law allows that anyway.

11. Other companies’ services

Some features connect to services we don’t control, such as Stripe, Creem, Google, Microsoft, Apple iCloud, the US Census Bureau and the US National Weather Service, and links to stores for material prices. Your use of them is governed by their terms. We aren’t responsible for what they do, and a feature may stop working if they change their service.

12. New and test features

Features marked “beta”, “preview” or similar are offered as they are, may have problems, and may change or end. Ideas and feedback you send us can be used to improve the Service without payment to you. We won’t name you publicly without permission.

13. Our software

We own the Service, including its software, design and name. While your account is open, you have a personal, non-transferable right to use it for your business under these Terms.

14. Availability, support and changes

• We work to keep the Service running and your data safe, but we can’t promise it will never be interrupted. We schedule maintenance for quiet hours and warn you ahead of anything long. Our Refund Policy explains the credit for a long outage.
• Support is by email at support@peltuvo.com. We aim to reply within one business day (US Central time).
• We keep improving the Service and may change or remove features. If we remove a major feature you pay for, we will give at least 30 days’ notice. If that leaves the Service much less useful to you, you may cancel and get back the unused part of any prepaid period.
• If we stop offering the Service, we will give at least 60 days’ notice so you can export your data, and refund the unused part of any prepaid period.

15. Suspension and closing accounts

• You can cancel or delete your account at any time.
• We may suspend or close an account that seriously or repeatedly breaks these Terms, is used illegally or for fraud, or puts others or the Service at risk. Unless there is urgent risk or the law prevents it, we will warn you first and give you a chance to fix the problem. You will have at least 30 days to export your data, unless the data itself is unlawful.
• We may also close an account for any other reason by giving 60 days’ notice. In that case we refund the unused part of any prepaid period.
• Sections that by their nature should last after an account is closed (for example 6, 7, 9, 16–20) keep applying.

16. Disclaimer

EXCEPT AS THESE TERMS EXPRESSLY SAY, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE EXTENT THE LAW ALLOWS, WE DISCLAIM ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Planning numbers in the Service — such as the pricing coach, tax set-aside, profit, real hourly rate and mileage estimates — are estimates only.

17. Limits on liability

TO THE EXTENT THE LAW ALLOWS: (A) NEITHER YOU NOR WE WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE OR DATA; AND (B) EACH SIDE’S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF $100 OR THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT THAT CAUSED THE CLAIM. These limits don’t apply to amounts you owe for your plan, to your obligations under section 18, to fraud or willful misconduct, or to anything the law doesn’t allow to be limited.

18. Claims about your business

You will defend us and cover our reasonable costs if someone else brings a claim against us arising from your work or services, your contracts and messages with your customers, Your Data, or your breach of these Terms or the law. We will tell you promptly about the claim, let you control the defense, and cooperate, and we won’t settle it in your name without your agreement.

19. Disputes

• Talk to us first. Most problems can be fixed with an email to support@peltuvo.com. Before going to court, either side must give the other a written description of the problem and 30 days to try to resolve it.
• Law and court. These Terms are governed by the laws of the State of Nebraska, without regard to conflict-of-law rules. Court cases will be heard in the state or federal courts located in Douglas County, Nebraska, and both sides agree to those courts. Either side may instead use small-claims court for a claim that qualifies.
• One business at a time. To the extent the law allows, claims may be brought only individually, not as part of a class, collective or representative action, and both sides give up the right to a jury trial.

20. Changes to these Terms

If we make an important change, we will email the account owner and show a notice in the app at least 30 days before it takes effect. If you don’t agree, you may cancel before then; if you paid for a year, we will refund the unused part. Small fixes, such as typos or clearer wording, and changes the law requires may take effect sooner. The date at the top shows the current version.

21. General

• These Terms, the Privacy Policy, the Refund Policy and the plan details shown when you buy are the whole agreement about the Service. If any part can’t be enforced, the rest still applies. Not enforcing a part right away doesn’t waive it.
• We may transfer these Terms to a company that takes over the Service; we will tell you by email, and the Privacy Policy continues to protect Your Data. You may transfer your account along with a sale of your business by asking us.
• Neither side is responsible for delays caused by events beyond its reasonable control, such as outages at providers, natural disasters or war.
• We send notices to the account owner’s email address. Send yours to support@peltuvo.com. Electronic notices, records and signatures count as written ones.
• These Terms don’t create a partnership or employment, and they don’t give rights to anyone else.

22. If you are a contractor’s customer

If you came here from an estimate, invoice, booking or project page a contractor sent you, your agreement is with that contractor, not with us. Peltuvo is the software they use. Card payments are handled by Stripe. Questions about the work, prices or your information should go to the contractor first. Our Privacy Policy explains how we protect the information you enter.

23. Contact

Bower Family Electric, LLC · support@peltuvo.com