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Terms of Service

Last updated: May 11, 2026 Effective date: May 11, 2026

These Terms of Service (the “Terms”) form a binding legal agreement between Margin Technologies, LLC, a Tennessee limited liability company (“Margin,” “we,” “us,” or “our”) and the person or entity accepting these Terms (“Customer,” “you,” or “your”) governing your access to and use of the Margin pricing and project management platform, including the website at marginpricing.com, the application at app.marginpricing.com, our APIs, integrations, AI features, and any related services, documentation, or content (collectively, the “Service”).

By creating an account, clicking “I agree,” or otherwise accessing or using the Service, you represent that (a) you have read and understand these Terms, (b) you accept and agree to be bound by them, and (c) if you are accepting on behalf of an organization, you have the authority to bind that organization, in which case “you” refers to that organization.

If you do not agree, do not access or use the Service.

SECTION 13 (LIMITATION OF LIABILITY), SECTION 15 (DISPUTE RESOLUTION; BINDING ARBITRATION; CLASS-ACTION WAIVER), AND SECTION 11 (DISCLAIMER OF WARRANTIES) MATERIALLY LIMIT YOUR LEGAL RIGHTS AND REQUIRE YOU TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION. PLEASE READ THEM CAREFULLY.

1. Eligibility & Account

1.1 Eligibility. You must be at least 18 years old and capable of forming a binding contract to use the Service. The Service is intended for business use only and is not directed at children under 13 (and we do not knowingly collect personal information from anyone under 18).

1.2 Account. Account creation and authentication are provided through our identity provider (currently Clerk). You are responsible for (a) maintaining the confidentiality of your credentials, (b) all activity that occurs under your account, and (c) immediately notifying us of any unauthorized access. We are not liable for any loss arising from your failure to safeguard your credentials.

1.3 Organizations. Where the Service is used by an organization, the person who creates the organization is the “Owner.” The Owner may invite additional users, assign roles, and is responsible for managing access and permissions. The Owner is responsible for ensuring all users of the organization comply with these Terms.

2. The Service

2.1 License. Subject to your compliance with these Terms and timely payment of any fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service during the Term for your internal business purposes only.

2.2 Plans. The Service is offered under one or more plans, including a free plan and one or more paid plans, each with different features, limits, and pricing as described at marginpricing.com/pricing/ or within the application. We may add, remove, rename, reprice, or change the features, limits, or availability of any plan at any time as described in Section 7.

2.3 AI Features. The Service includes features powered by third‑party artificial intelligence models (currently OpenAI and Anthropic; the “AI Providers”). When you use these features, your inputs and the relevant context from your account (which may include Customer Content, as defined in Section 5) are transmitted to the AI Providers for processing. AI output is generated probabilistically and may be inaccurate, incomplete, biased, or out of date. You are solely responsible for reviewing, validating, and deciding whether to rely on any AI output. AI output is not professional accounting, tax, legal, or pricing advice. We make no representation that AI output is suitable for any particular pricing, billing, or business decision.

2.4 Beta Features. From time to time we may make features, services, or products available on a beta, preview, alpha, or experimental basis (“Beta Features”). Beta Features are provided “AS IS” with no warranties or service-level commitments of any kind, may be modified or withdrawn at any time, and may not function as intended. Your use of any Beta Feature is entirely at your own risk.

3. Fees, Billing & Auto-Renewal

3.1 Fees. Paid plans are billed in advance on a monthly or annual recurring basis at the rate in effect when you subscribe. All fees are exclusive of taxes; you are responsible for all sales, use, value-added, and similar taxes other than taxes on our net income.

3.2 Payment Processor. Payments are processed by Stripe, Inc. By providing payment information, you authorize us and Stripe to charge the applicable fees to your selected payment method. Stripe’s terms and privacy policy also govern your provision of payment information to Stripe.

3.3 Automatic Renewal. YOUR SUBSCRIPTION RENEWS AUTOMATICALLY at the end of each billing period at the then-current rate for your plan and billing cycle until you cancel. You may cancel at any time from the Settings → Billing area of the application or through the Stripe Customer Portal; cancellation takes effect at the end of the current billing period.

3.4 No Refunds. All fees are non-refundable and are paid in advance. We do not provide refunds or credits for partial months, partial years, unused features, downgrades, or periods during which you did not use the Service, except where required by applicable law.

3.5 Price Changes. We may change the price of any plan at any time. For existing paid Customers, price changes apply at the start of the next renewal period after we give you at least thirty (30) days’ notice (by email, in-app notification, or by posting to marginpricing.com). If you do not agree to a price change, your sole remedy is to cancel before the change takes effect.

3.6 Failed Payments. If a charge is declined, we may retry the charge, restrict your access to paid features, downgrade your account, and/or suspend or terminate your subscription. You will remain liable for any past-due amounts.

3.7 Taxes. Where we are required to collect tax, the amount will be added to your invoice. Where you are required to deduct withholding tax, you will gross up payments so that the amount we receive equals the invoiced amount.

3.8 Disputes. You must notify us in writing of any billing dispute within thirty (30) days of the charge. After that, the charge is conclusively deemed accepted.

4. Acceptable Use

You agree not to, and not to permit any user, agent, contractor, or third party to:

  1. Use the Service in violation of any law, regulation, or third-party right;
  2. Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code, algorithms, model weights, or trade secrets from the Service, except to the extent this restriction is prohibited by law;
  3. Resell, sublicense, rent, lease, or otherwise commercially exploit the Service, except as expressly permitted;
  4. Use the Service to build a competing product or service, train any machine-learning model, or benchmark the Service for publication, without our prior written consent;
  5. Use any bot, scraper, crawler, or other automated means to access the Service except through documented APIs and within published rate limits;
  6. Probe, scan, or test the vulnerability of the Service, or breach or circumvent any security or authentication measure;
  7. Interfere with or disrupt the integrity or performance of the Service or the data it contains;
  8. Upload or transmit malware, viruses, ransomware, or any other malicious code;
  9. Submit any content that is unlawful, defamatory, infringing, harassing, obscene, or that contains personal information of any individual without a lawful basis;
  10. Submit any Sensitive Personal Information as defined under applicable privacy laws — including without limitation government identifiers, financial account numbers, payment card data outside of the Stripe-hosted checkout, health information, precise geolocation, biometric or genetic identifiers, or data of children under 13. The Service is not designed, configured, or warranted for any of these data types;
  11. Use the Service to send spam, phishing, or unsolicited communications;
  12. Misrepresent your identity or affiliation; or
  13. Use the AI Features to generate content that is unlawful, infringing, or intended to harass, deceive, or harm any person.

We may investigate any suspected violation and may suspend or terminate your access immediately, without notice, if we reasonably believe a violation has occurred. You will cooperate with any reasonable investigation.

5. Customer Content & License to Margin

5.1 Customer Content. “Customer Content” means any data, text, files, project information, client information, rates, hours, expenses, configurations, documents, or other content that you or your users submit to, generate within, or transmit through the Service.

5.2 Ownership. As between you and us, you retain all right, title, and interest in and to Customer Content. We claim no ownership over Customer Content.

5.3 License to Margin. You hereby grant Margin a worldwide, royalty-free, fully-paid, non-exclusive, transferable, sublicensable license to host, copy, transmit, display, process, modify, create derivative works of, and otherwise use Customer Content for the following purposes:

(a) operating, maintaining, securing, and providing the Service to you and other users of your organization;

(b) preventing or addressing technical, fraud, abuse, or security issues;

(c) complying with law, valid legal process, or our obligations to regulators or partners;

(d) creating De-Identified Data (data that has been aggregated, anonymized, or otherwise stripped of identifiers such that it does not reasonably identify any individual or your organization), and

(e) any other purpose for which you have given express consent.

5.4 De-Identified Data. Notwithstanding anything to the contrary, we may collect, generate, derive, use, and retain De-Identified Data during and after the Term without restriction for any lawful purpose, including without limitation:

(i) operating, analyzing, improving, and developing the Service and our other products;

(ii) training, fine-tuning, evaluating, and improving machine-learning and artificial-intelligence models;

(iii) generating benchmarks, industry reports, and aggregate statistics (e.g., “average billable rate in [industry] in [region]”) for internal use or for commercial publication, distribution, sale, or licensing to third parties; and

(iv) any other lawful commercial purpose.

De-Identified Data, once created, is owned by Margin. You acknowledge that De-Identified Data is not Customer Content and is not subject to any confidentiality, use restriction, or deletion obligation in these Terms or in our Privacy Policy.

5.5 Feedback. If you submit any suggestion, idea, feature request, bug report, or feedback (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use the Feedback for any purpose without compensation or attribution.

5.6 Customer Responsibility. You represent and warrant that (a) you have all rights, consents, and authority necessary to grant the licenses in this Section 5 with respect to Customer Content, (b) Customer Content does not violate any law or third-party right, and (c) your use of the Service complies with all applicable data-protection laws, including obtaining any required notices and consents from individuals whose personal information you submit.

6. Margin’s Intellectual Property

6.1 Our IP. As between the parties, we and our licensors own all right, title, and interest in and to the Service, including all software, code, algorithms, models, model outputs (other than as customized by Customer Content), interfaces, designs, content, documentation, trademarks, logos, trade names, trade dress, “look and feel,” and all related intellectual property rights. Except for the limited license in Section 2.1, no rights are granted to you by implication, estoppel, or otherwise.

6.2 Trademarks. “Margin,” “marginpricing.com,” and the Margin logo are trademarks of Margin Technologies, LLC. You may not use them without our prior written consent.

6.3 DMCA / Infringement Notices. If you believe content on the Service infringes your copyright, send a notice meeting the requirements of 17 U.S.C. § 512(c)(3) to [email protected]. We may remove allegedly infringing content and terminate repeat infringers in appropriate circumstances. (Designated agent contact: [email protected].)

7. Modifications to the Service

7.1 Right to Modify. We may, at any time and in our sole discretion, modify, add, remove, suspend, discontinue, deprecate, rename, reprice, or otherwise change any aspect of the Service, including features, plans, limits, integrations, model providers, performance, pricing, or availability, in whole or in part, with or without notice, including for paid Customers.

7.2 Material Adverse Changes for Paid Customers. Where a modification would materially reduce the core functionality of the Service for a paid Customer’s plan during a paid term, we will use commercially reasonable efforts to provide at least thirty (30) days’ notice. Your sole and exclusive remedy is to cancel the affected subscription before the change takes effect; on cancellation in this circumstance, we will refund the pro-rata portion of any fees prepaid for the period after the effective date of the change. This is your only remedy for any modification to the Service.

7.3 Roadmap. Any roadmap, “coming soon” feature, statement of direction, or similar communication is provided for planning purposes only, does not create any commitment, and may be changed or withdrawn at any time. You may not rely on any non-released feature in making your purchase decision.

8. Third-Party Services & Subprocessors

8.1 The Service relies on third-party services, including but not limited to Clerk (authentication), Stripe (payments), PlanetScale (database hosting), Railway (application hosting), OpenAI and Anthropic (AI processing), Resend (email), PostHog (analytics), and Sentry (error monitoring). A current list of subprocessors is maintained in our Privacy Policy at marginpricing.com/privacy/.

8.2 We are not responsible for the acts, omissions, performance, availability, security, or terms of any third-party service. Your use of any third-party service is governed solely by the terms between you and that third party.

8.3 We may change subprocessors at any time. Continued use of the Service after a change constitutes acceptance.

9. Confidentiality

9.1 Each party (the “Receiving Party”) may receive non-public business or technical information of the other party (“Disclosing Party”) marked or reasonably understood to be confidential (“Confidential Information”). The Receiving Party will (a) use Confidential Information only to exercise its rights and perform its obligations under these Terms, and (b) protect it using at least the same degree of care it uses to protect its own confidential information of similar sensitivity, and in no event less than reasonable care.

9.2 Confidential Information does not include information that (i) is or becomes public through no fault of the Receiving Party, (ii) was known to the Receiving Party before disclosure without a duty of confidentiality, (iii) is independently developed without reference to Confidential Information, or (iv) is rightfully received from a third party without restriction.

9.3 The Receiving Party may disclose Confidential Information if required by law, subpoena, or court order, provided it gives reasonable advance notice where permitted.

10. Privacy & Data Use

Our handling of personal information is described in our Privacy Policy at marginpricing.com/privacy/, which is incorporated into these Terms by reference. By using the Service, you acknowledge our Privacy Policy.

11. Disclaimer of Warranties

THE SERVICE, INCLUDING ALL AI FEATURES, BETA FEATURES, AI OUTPUT, CONTENT, AND ANY MATERIALS PROVIDED IN CONNECTION WITH THE SERVICE, ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, MARGIN AND ITS AFFILIATES, LICENSORS, AND SUPPLIERS DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT (A) THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS; (B) ANY DATA YOU SUBMIT WILL NOT BE LOST, ALTERED, OR DESTROYED; (C) AI OUTPUT WILL BE ACCURATE, RELIABLE, COMPLETE, OR SUITABLE FOR ANY PURPOSE; (D) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; OR (E) ANY ERRORS WILL BE CORRECTED.

YOU ASSUME ALL RISK ARISING FROM YOUR USE OF THE SERVICE AND ARE SOLELY RESPONSIBLE FOR THE BUSINESS DECISIONS YOU MAKE USING THE SERVICE.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent such law applies to you, some or all of the above exclusions may not apply, and you may have additional rights.

12. Indemnification

You will defend, indemnify, and hold harmless Margin and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, demands, suits, proceedings, liabilities, losses, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) Customer Content; (b) your or your users’ use of the Service; (c) your violation of these Terms; (d) your violation of any law or third-party right, including any privacy or intellectual-property right; or (e) any dispute between you and any user, customer, employee, or third party. We may assume exclusive defense and control of any matter subject to indemnification, in which case you will cooperate fully. You may not settle any matter without our prior written consent.

13. Limitation of Liability

13.1 EXCLUSION OF DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL MARGIN OR ITS AFFILIATES, LICENSORS, SUPPLIERS, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY (A) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST GOODWILL, BUSINESS INTERRUPTION, OR LOSS, CORRUPTION, OR UNAUTHORIZED ACCESS TO DATA; (B) DAMAGES ARISING FROM A SECURITY INCIDENT, DATA BREACH, OR UNAUTHORIZED DISCLOSURE OF DATA, EXCEPT TO THE EXTENT CAUSED BY OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT AND NOT WAIVABLE BY LAW; OR (C) DAMAGES ARISING FROM ANY AI OUTPUT OR YOUR RELIANCE THEREON. THIS EXCLUSION APPLIES REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 LIABILITY CAP. TO THE FULLEST EXTENT PERMITTED BY LAW, MARGIN’S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU ACTUALLY PAID TO MARGIN FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100). FOR USERS OF THE FREE PLAN, MARGIN’S TOTAL CUMULATIVE LIABILITY WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

13.3 ESSENTIAL PURPOSE. THE LIMITATIONS IN THIS SECTION 13 APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

13.4 BASIS OF THE BARGAIN. THE PARTIES ACKNOWLEDGE THAT THESE LIMITATIONS ARE A MATERIAL BASIS OF THE BARGAIN AND THAT WE WOULD NOT PROVIDE THE SERVICE WITHOUT THEM.

Some jurisdictions do not allow certain limitations on liability. To the extent the foregoing limitations are not permitted under applicable law, our liability is limited to the maximum extent permitted by law.

14. Term, Suspension & Termination

14.1 Term. These Terms apply from the date you first accept them until terminated.

14.2 Termination by You. You may terminate by cancelling your subscription and deleting your account from the Settings area. No refunds will be provided except as required by law.

14.3 Termination or Suspension by Us. We may suspend or terminate your access to the Service, in whole or in part, at any time, with or without notice, for any or no reason, including (a) breach of these Terms, (b) non-payment, (c) suspected fraud, abuse, or security risk, (d) by request of law enforcement or a regulator, or (e) for our convenience.

14.4 Effect of Termination. Upon termination, your right to use the Service ceases immediately. We may delete Customer Content after termination in accordance with our Privacy Policy and our data-retention practices. You are responsible for exporting any Customer Content you wish to retain before termination.

14.5 Survival. Sections 1.2 (Account responsibility), 3.4 (No Refunds), 4 (Acceptable Use), 5 (Customer Content & License), 5.4 (De-Identified Data), 5.5 (Feedback), 6 (IP), 9 (Confidentiality), 10 (Privacy), 11 (Disclaimers), 12 (Indemnification), 13 (Limitation of Liability), 14.5 (Survival), 15 (Dispute Resolution), and 17 (Miscellaneous) survive termination.

15. Dispute Resolution; Binding Arbitration; Class-Action Waiver

PLEASE READ CAREFULLY. THIS SECTION AFFECTS YOUR LEGAL RIGHTS.

15.1 Informal Resolution. Before filing any claim, the parties will attempt in good faith to resolve any dispute informally by notice to [email protected] with a written description of the dispute and the relief requested. The parties will negotiate in good faith for at least sixty (60) days before initiating any formal proceeding.

15.2 Binding Arbitration. Except as set forth below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally will be finally settled by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures then in effect. The arbitration will be conducted in Nashville, Tennessee (or by video, at your option), in English, by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

15.3 Exceptions. Either party may bring a claim in small-claims court if it qualifies. Either party may also seek injunctive or equitable relief in a court of competent jurisdiction for actual or threatened infringement, misappropriation, or violation of intellectual property or confidentiality rights.

15.4 Class-Action Waiver. YOU AND MARGIN AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding.

15.5 Opt-Out. You may opt out of this Section 15 by sending written notice to [email protected] within thirty (30) days of first accepting these Terms, with your full name and the words “Arbitration Opt-Out.”

15.6 Governing Law. These Terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws principles. If arbitration is found unenforceable, exclusive jurisdiction and venue lie in the state or federal courts located in Davidson County, Tennessee, and each party submits to that jurisdiction.

15.7 Statute of Limitations. Any claim must be brought within one (1) year after the cause of action arose, or it is permanently barred, to the extent permitted by law.

16. Changes to These Terms

We may modify these Terms at any time. Material changes will be communicated by email or in-app notice and posted at marginpricing.com/terms/ with an updated “Last updated” date. Changes are effective on the date posted (or such later date as we specify). Your continued use of the Service after the effective date constitutes acceptance. If you do not agree to the change, your sole remedy is to stop using the Service and cancel any paid subscription.

17. Miscellaneous

17.1 Entire Agreement. These Terms, together with the Privacy Policy and any order form or written agreement signed by both parties, constitute the entire agreement between the parties with respect to the Service and supersede all prior or contemporaneous understandings, communications, and proposals.

17.2 Order of Precedence. In the event of any conflict, a signed written agreement controls over these Terms; otherwise, these Terms control over the Privacy Policy with respect to contractual matters, and the Privacy Policy controls with respect to data-protection matters.

17.3 Assignment. You may not assign or transfer these Terms or any rights or obligations under them, in whole or in part, without our prior written consent, and any purported assignment in violation of this section is void. We may assign these Terms in whole or in part without consent, including to an affiliate or in connection with a merger, acquisition, financing, reorganization, or sale of assets.

17.4 No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

17.5 Severability. If any provision is held unenforceable, the remaining provisions remain in full force and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

17.6 Force Majeure. Neither party is liable for any failure or delay in performance (other than payment obligations) caused by events outside its reasonable control, including acts of God, war, terrorism, riots, embargoes, strikes, epidemics, pandemics, fires, floods, internet or utility failures, or governmental actions.

17.7 Independent Contractors. The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship.

17.8 No Third-Party Beneficiaries. These Terms do not create any third-party beneficiary rights, except that our affiliates, licensors, and suppliers are intended third-party beneficiaries of Sections 11, 12, and 13.

17.9 Notices. Notices to Margin must be sent to [email protected]. Notices to you may be sent to the email address associated with your account or posted in the Service. Electronic notice is sufficient for all purposes under these Terms.

17.10 Headings. Section headings are for convenience only and have no legal effect.

17.11 Export Control & Sanctions. You represent that you are not located in, under the control of, or a national or resident of any country or person subject to U.S. or U.K. sanctions, and that you will not use or export the Service in violation of any export control or sanctions law.

17.12 U.S. Government Users. The Service is “commercial computer software” and “commercial computer software documentation” as defined in FAR 12.212 and DFARS 227.7202. Government use is subject to these Terms.

17.13 Electronic Signatures & Communications. You consent to receive all communications, agreements, and notices electronically. Records of your acceptance of these Terms (including timestamps and IP addresses) are admissible as evidence of agreement.

18. Contact

Margin Technologies, LLC Email: [email protected]

If you have questions about these Terms, please email [email protected] before signing up.