Terms of Service

Last updated: April 25, 2026Effective date: April 25, 2026

These Terms of Service ("Terms") are a legal agreement between you and Hubflo Corp., a Delaware corporation with its principal office at 1411 Broadway, New York, NY 10018 ("Hubflo," "we," "us," or "our"), governing your use of WinPal (the "App"), our website at winpal.app, and related services (together, the "Services"). WinPal is operated by Hubflo Corp., the U.S. subsidiary of Hubflo.

By creating an account, downloading the App, or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

ARBITRATION AND CLASS-ACTION WAIVER. Section 18 contains an arbitration agreement and a class-action waiver that affect your legal rights. Please read it carefully.

1. Who can use the Services

You must be at least 18 years old and able to form a legally binding contract. By using the Services, you represent that you meet these requirements. If you are using the Services on behalf of a business, you represent that you have authority to bind that business to these Terms, and "you" refers to both you and that business.

The Services are designed for independent service professionals (the "Pros") to send estimates and invoices to their customers (the "Clients"). Clients do not need an account to view, sign, or pay documents sent to them.

2. Accounts

2.1 Registration

You are responsible for:

  • Providing accurate information when you create your account.
  • Keeping your password confidential and securing your device.
  • All activity that occurs under your account.

Notify us immediately at support@winpal.app if you suspect unauthorized access. You may delete your account from within the App at Settings → Account → Delete Account.

2.2 Account ownership

If you register on behalf of a business, that business is the legal account owner. The billing-contact person is the default account owner (the "Account Owner") and has rights including the right to cancel the account, delete information, and appoint administrators. Designation as Account Owner does not convey ownership rights or any property interest in the account; all rights in the account remain with Hubflo. In the event of a dispute about who controls an account, we may request documentation (business license, government-issued ID, last four digits of the payment card on file) and reserve the right to determine the rightful Account Owner in our sole judgment, or to temporarily disable the account until the dispute is resolved.

2.3 Team members

If your subscription includes team-member seats, the Account Owner is responsible for: (a) ensuring team members comply with these Terms; (b) any breach by team members; and (c) keeping team-member access current. Each team member is also a "you" under these Terms.

3. Subscription and billing

3.1 Subscription plans

The Services are offered on a paid subscription basis. Plans, prices, and features are described at winpal.app/pricing. We may offer free trials or promotional pricing at our discretion.

3.2 How you're billed

You can subscribe in two ways:

In-app (iOS / Android). If you subscribe through the App Store or Google Play, Apple or Google processes your payment under its own terms. Your subscription is billed through your Apple ID or Google Account, auto-renews automatically at the end of each period unless you cancel, and can only be cancelled through your device's subscription settings — not by us. We cannot issue refunds for purchases made through Apple or Google; you must request those from the store directly.

On the web. If you subscribe at winpal.app, we bill you through Stripe on a monthly or annual basis. Your subscription auto-renews at the end of each period at the then-current price. You can cancel anytime from your account settings; cancellation takes effect at the end of the current billing period and you will not be charged again.

3.3 Taxes

Prices exclude applicable taxes (sales tax, VAT, GST) unless stated otherwise. You are responsible for all taxes associated with your subscription, other than taxes on our income.

3.4 Price changes

We may change our prices on at least 30 days' notice by email or in-app before the change applies to your next billing period. If you don't agree, cancel before the new price takes effect; continued use is acceptance.

3.5 Refunds

Subscriptions are non-refundable except where required by law. There are no refunds or credits for partial months, downgrades, upgrades, or unused time. If you cancel mid-period, you keep access until the end of the period. Refunds on Apple and Google purchases are handled by those stores under their policies.

3.6 Auto-renewal disclosure

Your subscription automatically renews at the end of each billing period unless you cancel. By subscribing, you authorize us (or Apple / Google) to charge your payment method for each renewal at the then-current price until you cancel. You can cancel at any time without penalty; cancellation stops future charges but does not refund the current period. For web annual subscriptions, we will email you a renewal reminder at least 7 days before any annual renewal.

3.7 Disputes about charges

If you dispute any charge, notify us within 60 days after the charge or such longer period as required by law. After 60 days, you waive the right to dispute the charge.

3.8 Collection costs

You are liable for all costs we reasonably incur to collect amounts you owe under these Terms, including attorneys' fees, arbitration costs, and collection-agency fees, in addition to the amounts owed.

4. Payments you receive from your Clients (Stripe Connect Standard)

If you enable payments on your invoices, payments from your Clients are processed by Stripe through Stripe Connect Standard. This is a critical part of these Terms.

4.1 Stripe — not Hubflo — is the payment processor

Hubflo is software, not a payment processor. Hubflo is not a money transmitter, payment processor, payment facilitator, merchant of record, or payment intermediary, and does not provide any banking, lending, or financial services. Hubflo does not at any point take possession of, hold, route, custody, or process funds paid by your Clients. When a Client pays an invoice, the funds move directly from the Client's payment method through Stripe to your own Stripe account under your direct contractual relationship with Stripe.

4.2 You contract directly with Stripe

Under Stripe Connect Standard, you have your own Stripe account, hold the direct contractual relationship with Stripe, and onboard with Stripe directly. Payment processing services for Pros are provided by Stripe and are subject to the Stripe Services Agreement. By agreeing to these Terms and by connecting a Stripe account in the Services, you agree to be bound by the Stripe Services Agreement, as it may be modified by Stripe from time to time. As a condition of Hubflo facilitating payments through Stripe, you authorize Hubflo to share information about you, your business, and your transactions with Stripe.

4.3 Why this matters for Apple and Google

Client payments are payments for physical services performed outside the app (such as plumbing, electrical, landscaping, cleaning, mobile detailing, and similar in-person services). Under Apple App Store Review Guideline 3.1.5 and Google Play's payments policy, payments for physical goods or services consumed outside the app are not subject to in-app-purchase requirements and are processed using ordinary payment methods. Your subscription to the Services (a digital service) is processed through Apple, Google, or Stripe as described in Section 3; only your subscription falls within in-app-purchase requirements.

4.4 Identity verification

Stripe may obtain information from credit agencies to verify your identity. That information will be used for the purposes described in Stripe's Privacy Policy.

4.5 Fees

Stripe charges payment processing fees (for example, a percentage and per-transaction fee on card payments). Those fees are set by Stripe and deducted from your payouts under your agreement with Stripe. Hubflo may also charge a platform fee on payments you collect; any such fee will be disclosed in your subscription plan or pricing page and is for software services, not payment processing.

4.6 Refunds, disputes, and chargebacks

You are responsible for:

  • The goods and services you provide to your Clients.
  • The accuracy of your estimates and invoices.
  • Customer service, receipts, refunds, and complaints from your Clients.
  • Any chargebacks, disputes, reversals, fines, or losses imposed by card networks or Stripe on your Client transactions.

Hubflo is not a party to the transaction between you and your Client and is not liable for any dispute, refund, chargeback, fraud loss, payout delay, or other matter relating to Client payments.

4.7 Tax reporting

Stripe, not Hubflo, generates any required tax forms (e.g., IRS Form 1099-K) for payments processed through your Stripe account. You are responsible for reporting and remitting taxes on your income.

4.8 Restricted businesses

You may not use the Services or Stripe payments for any business or activity on Stripe's Restricted Businesses List, or for any illegal or fraudulent purpose.

5. Your content and our license to use it

5.1 Your content

"Your Content" means everything you submit to the Services — estimates, invoices, photos, Client information, branding, messages, and other materials. You retain all ownership of Your Content.

5.2 License to Hubflo

You grant Hubflo a worldwide, non-exclusive, royalty-free license (with the right to sublicense to our service providers) to host, store, copy, transmit, display, and process Your Content (a) to operate, provide, and improve the Services; (b) to create aggregated and de-identified data for analytics, benchmarking, market research, and product improvement; and (c) as otherwise permitted by these Terms or our Privacy Policy. The license in (a) ends when you delete the relevant Content or close your account, except to the extent retention is necessary under our Privacy Policy. The license in (b) survives termination because the resulting data is no longer about you.

5.3 Your representations

You represent and warrant that:

  • You have all rights necessary to submit Your Content.
  • You have a lawful basis to share Client information with Hubflo and to use it for the purposes in our Privacy Policy.
  • Your Content is accurate, lawful, and does not infringe anyone's rights or violate any law.

5.4 Sensitive data

Do not upload to the Services any social security numbers, government-ID numbers, financial-account numbers other than what is required for invoicing, health information, or other sensitive personal information not necessary to send an estimate or invoice. The Services are not designed for, and you may not use them to process, special categories of data under GDPR or sensitive personal information under CPRA.

5.5 Feedback

If you send us ideas, suggestions, or feedback, we may use them without restriction or compensation to you. You represent you have all rights necessary to grant this license.

5.6 Data Processing Addendum

When you enter personal information about your Clients into the Services, you act as a "controller" and Hubflo acts as a "processor" under GDPR (and a "service provider" under CCPA). The Data Processing Addendum ("DPA") forms part of these Terms and governs that relationship. By using the Services to handle Client personal information, you agree to the DPA.

6. AI features

Some features of the Services generate content — such as draft estimates, scope descriptions, or line items — using artificial intelligence models provided by third parties, specifically OpenAI, Anthropic, and Google (Gemini). You understand and agree that:

  • You consent to AI processing in-app, before any data is sent. Before any data is sent to an AI provider for the first time, the App will display an in-app consent prompt that names the AI providers and describes what data will be sent. AI features will not transmit data to any AI provider until you grant consent. You can review your consent and disable AI features at any time at Settings → Privacy → AI features.
  • AI output is a draft, not a binding quote or professional advice. AI-generated estimates, scopes of work, or other suggestions may be inaccurate, incomplete, biased, or inappropriate for your situation. You are solely responsible for reviewing, editing, verifying, and approving all AI-generated content before sending it to a Client.
  • You are responsible for the final estimate. The price you quote and the work you promise are yours. Hubflo is not liable for any loss, underbid, dispute, or damage that arises from an AI-generated estimate or other AI output you reviewed and sent.
  • Content submitted to AI features. When you use AI features, we send relevant inputs (such as photos and project context) to our AI providers to generate output. Our AI providers are contractually prohibited from training their models on our customer content.
  • Do not submit sensitive personal information (health, financial-account, government-ID, or other sensitive data) to AI features.
  • No professional advice. AI features cannot provide legal, medical, financial, accounting, tax, or other professional advice.
  • No guarantee of availability. AI features depend on third-party services and may be unavailable, modified, or removed at any time without notice.
  • Core features without AI. AI features are optional. You can use the Services to create estimates and invoices manually without enabling AI features.

7. Acceptable use

You agree not to:

  • Use the Services to send fraudulent, misleading, or deceptive invoices or estimates.
  • Use the Services to collect payment for illegal goods or services, or any business on Stripe's Restricted Businesses List.
  • Harass, threaten, or abuse anyone (including other Pros, Clients, or our staff).
  • Interfere with, disrupt, or attempt to gain unauthorized access to the Services or related systems.
  • Reverse engineer, decompile, or attempt to extract source code from the Services, except where expressly permitted by law.
  • Scrape, data-mine, or use bots to extract data from the Services at scale.
  • Use the Services to build a competitive product, or access the Services if you are a competitor of Hubflo or acting on behalf of one.
  • Upload malware, viruses, or other malicious code.
  • Violate any applicable law or the rights of others.
  • Misrepresent your identity, business, or affiliation with anyone.
  • Use the Services for any purpose prohibited by Apple's App Store Guidelines or Google Play's policies.
  • Open multiple accounts to circumvent restrictions on your account, or use VPNs or other means to evade IP-based restrictions.

We may suspend or terminate your account for any violation, and may, at our discretion, charge you for reasonable costs incurred to investigate or remedy a violation.

8. SMS, email, and call communications

By providing your phone number or email address, you consent to receive transactional messages from Hubflo (account, billing, security, and product-notification messages). For marketing emails, calls, or SMS, we will only send if you opt in, and you can opt out at any time (reply STOP to SMS, click "unsubscribe" in marketing emails, or contact us).

If you use SMS-related features of the Services to send messages to your Clients (for example, automated invoice reminders), you are solely responsible for: (a) the content and legality of all messages you send or schedule; (b) obtaining and documenting valid consent from your Clients to receive your messages, including under TCPA, CAN-SPAM, CASL, and applicable state laws; (c) honoring opt-out requests and including required identifiers; and (d) complying with all carrier and industry rules. You will indemnify Hubflo for any claim arising from your messages.

9. Service availability and changes

We work hard to keep the Services available, but we do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue features at any time. We will give reasonable advance notice before removing or materially changing a feature you rely on, except where immediate action is required for security or legal reasons. You are responsible for maintaining backups of important data.

10. Third-party services

The Services integrate with third-party services including Stripe, Apple, Google, OpenAI, Anthropic, Google Gemini, Twilio, Resend, Novu, RevenueCat, PostHog, Sentry, and others listed in our Privacy Policy. Your use of those services is governed by their own terms and privacy policies. Hubflo is not responsible for third-party services or for any action, inaction, or interruption by them.

11. Apple-specific terms

If you use the App through the Apple App Store, the following applies and supplements these Terms:

  • These Terms are between you and Hubflo, not Apple. Apple is not responsible for the App or its content.
  • Your license to use the App on Apple devices is limited to the "Usage Rules" in the Apple Media Services Terms and Conditions, except that the App may be accessed by other accounts associated with your Apple ID via Family Sharing or volume purchasing.
  • Apple has no obligation to provide maintenance or support for the App.
  • If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the App.
  • Apple is not responsible for addressing any claim by you or a third party relating to the App. Hubflo (not Apple) is responsible for handling product-liability, warranty, intellectual-property, and consumer-protection claims relating to the App.
  • You represent that (i) you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and (ii) you are not on any U.S. Government list of prohibited or restricted parties.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

12. Google Play-specific terms

If you use the App through Google Play: (i) these Terms are between you and Hubflo, not Google; (ii) your use must comply with Google's then-current Google Play Terms of Service; (iii) Google is only the distributor; (iv) Hubflo, not Google, is responsible for the App; (v) Google has no obligation or liability to you with respect to the App or these Terms; and (vi) Google is a third-party beneficiary of these Terms with respect to the App.

13. Intellectual property

The Services, including all software, designs, logos, text, and other materials (other than Your Content), are owned by Hubflo or its licensors and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services in accordance with these Terms. No other rights are granted.

"WinPal" and "Hubflo" are trademarks of Hubflo Corp. You may not use our trademarks without written permission.

If you believe content on the Services infringes your copyright, send a DMCA notice to legal@winpal.app with the elements required by 17 U.S.C. § 512(c)(3). We will respond and may remove infringing content.

14. Termination

14.1 By you

You may cancel your subscription and delete your account at any time through in-app settings.

14.2 By us

We may suspend or terminate your account:

  • Immediately, for violations of these Terms, fraud, abuse, security risk, legal request, or activity that may expose Hubflo or other users to liability.
  • With at least 30 days' notice, for any other reason.

14.3 Effect of termination

When your account ends, your right to use the Services stops. We will delete your data in accordance with our Privacy Policy. Sections that by their nature should survive (including 4.5, 5.2, 5.4, 6, 13, 15, 16, 17, 18, 19, and any unpaid amounts) will survive.

15. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, title, satisfactory quality, and any warranties arising from course of dealing or usage of trade.

Hubflo does not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses; that AI-generated content will be accurate; that defects will be corrected; or that the Services will meet your specific requirements. Any data downloaded or otherwise obtained from the Services is at your own risk.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • No indirect damages. Hubflo will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, goodwill, or business opportunity, even if advised of the possibility, and regardless of the form of action.
  • Cap on direct damages. Hubflo's total cumulative liability for all claims arising out of or relating to the Services or these Terms will not exceed the greater of (a) the amounts you paid Hubflo in the 12 months before the event giving rise to the claim, or (b) USD $100.
  • Specific exclusions. Hubflo is not liable for: (i) any dispute between you and your Clients; (ii) any loss related to AI output you reviewed and sent; (iii) any action or inaction of Stripe, Apple, Google, or other third-party services; (iv) any loss resulting from your failure to keep your credentials secure; or (v) any loss resulting from your failure to maintain backups of your data.

Some jurisdictions do not allow limitations of liability for consumer products. If you are a consumer in such a jurisdiction, some of these limits may not apply, and your rights are as provided by applicable law.

If you are a New Jersey user, the sections titled "Indemnification," "Disclaimers," and "Limitation of liability" are intended only as broad as permitted under New Jersey law; if any portion is invalid, the rest stays in effect.

17. Indemnification

You agree to defend, indemnify, and hold harmless Hubflo and its affiliates, officers, directors, employees, and agents from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the Services.
  • Your Content, including any Client information you enter.
  • Any estimate, invoice, or message you send (whether AI-assisted or not).
  • Your breach of these Terms or violation of applicable law.
  • Any dispute between you and a Client.
  • Your use of SMS, email, or call features to communicate with Clients.

We will provide notice of any indemnified claim and may assume exclusive defense and control of any matter subject to indemnification; you will cooperate with our defense. You may not settle any claim against us without our written consent.

18. Governing law, dispute resolution, arbitration

Please read this section carefully. It affects your legal rights.

18.1 Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

18.2 Informal resolution

Before filing a claim, you and Hubflo agree to try to resolve the dispute informally. To start, send a written Notice of Dispute by certified mail to Hubflo Corp., 1411 Broadway, New York, NY 10018, Attn: Legal, with a copy to legal@winpal.app. The Notice must (a) describe the nature and basis of the claim and (b) state the specific relief sought. If the dispute is not resolved within 60 days after the Notice is received, either party may pursue arbitration.

18.3 Binding arbitration

Any dispute arising out of or relating to these Terms or the Services that is not resolved informally will be resolved by binding arbitration administered by JAMS under its Streamlined Arbitration Rules (for claims under USD $250,000) or its Comprehensive Arbitration Rules (for larger claims). The arbitration will be held in New York, New York, by video, by telephone, or based on written submissions, at your election.

18.4 Class-action waiver

YOU AND HUBFLO AGREE THAT DISPUTES WILL BE RESOLVED INDIVIDUALLY AND NOT AS PART OF ANY CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ACTION. Only individual relief is available.

18.5 Jury-trial waiver

YOU AND HUBFLO WAIVE ANY RIGHT TO A JURY TRIAL.

18.6 Exceptions

Either party may bring: (a) a claim in small-claims court, if it qualifies; (b) a claim for injunctive or other equitable relief to protect intellectual-property rights; or (c) Hubflo may sue in court to collect amounts you owe.

18.7 30-day opt-out

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@winpal.app with your name, your account email, and the statement "I opt out of arbitration." If you opt out, all other Terms still apply.

18.8 Forum for non-arbitrated claims

For any claim not subject to arbitration, you and Hubflo submit to the exclusive jurisdiction of the state and federal courts located in New York County, New York.

18.9 One-year limitation

Any claim arising out of or related to the Services or these Terms must be filed within one (1) year after the claim arose, or it is permanently barred (except where applicable law requires a longer period).

18.10 Confidentiality

All aspects of the arbitration, and any ruling or award, will be confidential.

18.11 Survival

This arbitration agreement survives termination of your account.

19. General terms

Entire agreement. These Terms, the Privacy Policy, the DPA, and any documents they reference are the entire agreement between you and Hubflo regarding the Services.

Changes. We may update these Terms. We'll notify you by email or in-app at least 14 days before material changes take effect. Continued use after the effective date is acceptance.

Severability. If any provision is unenforceable, the rest of the Terms remain in effect.

No waiver. Our failure to enforce any provision is not a waiver.

Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.

Notices. We may give notices by email, in-app, or by posting. You may send legal notices to legal@winpal.app with a copy to Hubflo Corp., 1411 Broadway, New York, NY 10018, Attn: Legal.

Force majeure. Neither party is liable for delays or failures caused by events beyond reasonable control (acts of God, war, civil disturbance, pandemic, internet outages, third-party-provider failures, government action).

No agency. These Terms do not create a partnership, joint venture, employment, or agency relationship.

Language. These Terms were prepared in English; the English version controls in case of any conflict with translations.

Export controls. You represent that you are not located in, and will not access the Services from, a country subject to U.S. embargoes, and that you are not on any U.S. Government list of restricted parties.

20. Contact

Hubflo Corp.
1411 Broadway
New York, NY 10018
legal@winpal.app

WinPal is operated by Hubflo Corp., the U.S. subsidiary of Hubflo. For general support, contact us at support@winpal.app.