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InstaQuote

Terms of Service

Last updated 26 September 2026

These terms govern your use of InstaQuote (the “service”), provided by InstaQuote Ltd (Company No. 17224118), a company registered in England & Wales, registered office 77 Falstaff Road, Coventry, CV4 9RX (“we”, “us”). By creating an account you agree to them. Contact: hello@getinstaquote.com.

The service

InstaQuote is a software tool for UK trades to create quotes and invoices, schedule jobs, take payments, and manage accounting and tax tasks. It provides tools and calculations; it is not a substitute for professional accounting, tax or legal advice. Some features are not live yet: filing VAT returns to HMRC under Making Tax Digital runs in HMRC's test environment only, and the Open Banking bank feed is not switched on. Where a feature is not live we say so in the app, and you should not rely on it.

Eligibility & account

  • You must be 18+ and using the service for a business.
  • You’re responsible for your login details and for activity under your account.
  • You must provide accurate information and keep it up to date.

Free trial, plans & card fee

  • New accounts start with a free 7-day trial of the whole app: every feature, and no card is needed to open the account. Nothing is charged unless and until you choose a plan.
  • If you set up a plan during the trial, we take your card details at that point, you are not charged while the trial runs, and the first payment is taken automatically on the day the trial ends. Cancel before that day and nothing is charged.
  • At the end of the trial, you choose a paid plan to continue. If you do not, your account is paused (your data is retained, not deleted) until you subscribe. If nobody signs in to a paused account for 2 years, we email you 30 days before deleting it and its data; signing in before then keeps it. Accounts created before 29 June 2026 are not subject to the trial or this requirement and keep their existing free-of-charge access on the terms under which they joined. The same 2-year rule, with the same 30-day warning, applies to those accounts.
  • The plans are: Founders Rate (currently £49/month or £490/year), for a single solo user; Accounts (currently £109/month or £1,090/year), which adds team logins (up to 10 crew, each scoped to see the work and log their hours) plus crew tools to track your team's hours and labour cost; and the Complete bundle (currently £129/month or £1,290/year), which combines Accounts with the KERB Sites lead-generating website. Prices are shown before VAT. We are not VAT registered today, so no VAT is added to your bill. If that changes, VAT is added at the rate in force at the time, and if you are VAT registered you reclaim it the usual way. Unless you are still inside your free trial, a plan is charged immediately on subscribing; there is no further trial on a paid plan.
  • We earn an InstaQuote card payment fee on the card payments you collect through the app. On any paid plan this fee is zero: InstaQuote takes nothing. During the free trial (and on any pre-29-June-2026 free account) the fee is currently 2.9% (no per-payment cap). The fee, when it applies, is deducted from your payout and is never added to the amount your customer pays. It is separate from, and on top of, your payment processor's (Stripe's) own standard processing charge, which is set by Stripe and is not ours.
  • The Founders and Accounts rates shown are founder prices. The first 300 members on each plan join at today's price, and from member 301 the price is higher (£98/month for Founders, £139/month for Accounts). Whichever price you join at is the price you keep.
  • The Complete price shown is also a founding price: the first 100 Complete members pay £129/month or £1,290/year, and new Complete members after that pay £149/month or £1,490/year. Whichever price you join at is the price you keep.
  • Your price is locked. The price you join at is the price you keep, for as long as your subscription stays active and unbroken and we still offer that plan. That covers your subscription price and your card-fee rate. If your subscription stops, the lock stops with it: start again later and you pay the price on sale that day.
  • VAT is the one thing the lock does not hold. Your price before VAT does not change. VAT does: if the rate changes, or the law requires us to charge it, your bill changes by that amount and by nothing else.
  • The lock does not cover what is in the plan: the set of features, the team-member limit, the optional website add-on price, or AI model routing and SMS credits. Those are product terms we may change on 30 days' written notice, to reflect our underlying costs or a change in the law, and you may cancel free of charge before any such change takes effect. The service is provided to you as a business customer.
  • The KERB Sites website is InstaQuote's optional website service (currently £69/month), provided and billed by InstaQuote Ltd as an add-on on top of any plan. When bought on its own as the £69/month add-on, the first month is free; your app plan and its card fee still apply during that month. When the website is included in the Complete plan (£129/month for founding members, software and website together), that plan's free 7-day trial applies instead of a free website month. You can cancel the website without affecting your InstaQuote plan.
  • If you refer another business and they subscribe to a paid plan, you and the person you referred each receive one month free, a credit equal to one month of your plan, applied to a single invoice (so on an annual plan it is one month's worth, not a free year). The reward applies once the referred account is on a paid plan and is subject to us confirming a genuine, unconnected referral; we may withhold it in cases of abuse. It can't be combined with a sales partner's code or link on the same account.
  • If you subscribe on our website with a sales partner's code or link, you get the discount shown at checkout for the period shown. Partners are independent people or businesses we pay commission to when you subscribe; they don't work for us and can't make promises on our behalf. Your account is linked to the first partner whose code or link you used. We tell partners how many customers they've brought and what they've earned, never who you are. Partner codes apply to subscriptions bought on our website, not in-app purchases through Apple or Google.
  • You can cancel a paid plan at any time. If you subscribed on our website, do it in Settings → Billing and Stripe processes the payments; if you subscribed in a phone app, cancel it with Apple or Google (see “Automatic renewal” below). Either way you keep access until the end of the period you have paid for, after which your account is paused until you subscribe again (your data is retained).
  • Except where required by law, subscription fees already paid are non-refundable.

Automatic renewal

  • Every paid plan renews automatically. A monthly plan renews every month and an annual plan every year, on the same date, at the price you are on, using the payment method you gave us, until you cancel. This is a continuous payment authority: you do not have to approve each payment.
  • You can cancel at any time and you never lose time you have paid for. Cancel and you keep access to the end of the period already paid for; nothing more is taken after that, and the account is then paused with your data kept.
  • How to cancel depends on where you subscribed. On our website: Settings, then Billing. In the iPhone app through Apple: iPhone Settings, your name, then Subscriptions. In the Android app through Google Play: the Play Store app, then Subscriptions. Deleting the app, or deleting your InstaQuote account, does not cancel a subscription bought through Apple or Google. You have to cancel it with them.
  • Seeing what is coming. The next renewal date and amount are always shown in Settings, then Billing, and Stripe emails you a receipt for every payment it takes. If the price you pay is going to change we give you 30 days' written notice first, as set out above. For a store subscription, Apple or Google shows the renewal date and emails their own receipts.
  • If a payment fails we retry it over the following days and email you. If it still fails, your access is paused rather than cancelled, and your data is kept until you either pay or ask us to delete it.

Subscriptions bought through the App Store or Google Play

  • If you subscribe inside the iPhone app, Apple takes the payment, not us, through your Apple Account. If you subscribe inside the Android app, Google takes the payment, not us, through Google Play. Your contract to use InstaQuote is still with us, and these terms still apply.
  • Those subscriptions renew automatically through Apple or Google, at the price shown in the store, until you cancel them in that store. We cannot cancel them for you and we cannot see your card.
  • Refunds for store purchases follow Apple's or Google's own policies and are decided by them, not by us. We are happy to support a request, but we cannot refund a payment we never received. Ask Apple through reportaproblem.apple.com, or Google through the Play Store.
  • Prices in the stores can differ from our website prices because the stores charge their own commission and set their own local price points. Discount codes, partner codes and referral credits apply to subscriptions bought on our website only.
  • Free trials offered in a store are governed by that store's rules. If you already have a trial or a plan with us, do not also subscribe in a store: you would be paying twice, and we cannot refund the store's payment.

Taking card payments from your customers

Card payments your customers make are processed by Stripe. To take them you open a Stripe Connect account through the app, and in doing so you enter into the Stripe Connected Account Agreement (which includes the Stripe Services Agreement) directly with Stripe. You agree to be bound by it as a condition of using the payment features, and to keep the information you give Stripe accurate and complete.

Stripe decides whether to accept you, holds and pays out your money, sets its own processing charges and may withhold or reverse funds under its agreement with you. We are not a bank, a payment institution or a party to that agreement, we never hold your customers' money, and we are not responsible for Stripe's decisions. The contract for the work itself is between you and your customer; chargebacks, disputes and refunds on it are yours to resolve.

If something goes wrong: complaints

Tell us and we will put it right. Email hello@getinstaquote.com with what happened and what you would like us to do. We will acknowledge it and reply within 5 working days. If we need longer to look into it we will tell you why and when to expect an answer.

If our reply does not settle it, ask for it to be escalated and a director will review it and write to you. You keep your legal rights either way, including the right to take a dispute to the courts of England and Wales. Complaints about a payment Stripe processed, or a subscription Apple or Google billed, should also go to them, because they hold the money.

Your responsibilities

You are responsible for the accuracy of the quotes, invoices, expenses, VAT returns and other records you create or submit using the service, including anything filed with HMRC. Always review figures before sending or submitting them. We are not liable for errors in data you enter or in submissions you authorise.

Acceptable use

  • Don’t use the service unlawfully, or to store or send unlawful content.
  • Don’t attempt to break, overload, reverse-engineer or gain unauthorised access to the service.
  • Don’t use it to send unsolicited or fraudulent communications.

Third-party services

Features that connect to Stripe, TrueLayer (Open Banking), HMRC, Google, Apple and others are also subject to those providers’ terms. We’re not responsible for third-party services we don’t control.

Intellectual property

We own the service and its software. You own the content and data you create. You grant us the limited rights needed to host and process that content to provide the service.

Availability & liability

We aim for high availability but don’t guarantee the service will be uninterrupted or error-free. To the extent permitted by law, we exclude liability for indirect or consequential loss, and our total liability is limited to the fees you paid in the 12 months before the claim. Nothing here limits liability that can’t be limited by law.

Termination

You can stop using the service and cancel anytime. We may suspend or terminate access if these terms are breached. You can export your data before closing your account.

Changes to these terms

We may update these terms. If a change affects what you pay or what you get, we tell you by email at least 30 days beforehand, and you can cancel free of charge before it takes effect. Your locked price is not changed this way.

Governing law

These terms are governed by the laws of England and Wales, and disputes are subject to its courts.

Contact

Questions about these terms: hello@getinstaquote.com.