1. What Earned Today does

Earned Today watches your QuickBooks Online company for new invoices, asks you by text whether to send each one, sends your customer a payment page that splits a large invoice into e-Transfer sized payments, follows up in your business name until it is paid, confirms each e-Transfer from the Interac deposit notification you forward to us, and records the payment in QuickBooks against the right invoice.

That is the whole service. We do not schedule, dispatch, estimate, do your CRM, or replace your bookkeeper.

2. What Earned Today is not

• We never touch your money. We are not a payment processor, a money services business, or a bank. Your customer pays you directly, into your own bank account, by e-Transfer, cheque, bank draft, or cash. We never hold, move, receive, or have access to funds. If a payment does not arrive, it is between you and your customer, the same as it is today.
• We are not a collections agency. We send reminders in your name on current invoices. We do not pursue debts, negotiate, threaten, or contact anyone other than the customer on the invoice. If someone will not pay, we tell you it is time for you to have that conversation.
• We are not your accountant. We record payments in QuickBooks the way you would by hand. Your books, your tax filings, and the accuracy of your invoices remain your responsibility. Check what we record the same way you would check anything else in QuickBooks.
• We do not verify your customers or guarantee payment. A confirmed payment means we matched an Interac notification from your mailbox to an invoice. It does not mean we vouch for the customer or the funds.

3. Your account

You need a QuickBooks Online company, a mobile number that can receive texts, and an email account that can forward Interac deposit notifications to us. You must have Interac Autodeposit turned on for the email address your customers pay, because without it a transfer is only pending until you accept it and we cannot confirm anything. We will walk you through this during setup and will not activate your account until it is confirmed.

You are responsible for the people you add to your organisation. What they do in Earned Today is done under your account. Remove anyone who leaves.

Keep your sign-in secure. Tell us right away at kasey@earnedtoday.com if you think someone else has access.

4. Your customers

When you reply YES to send an invoice, you are asking us to email and text your customer on your behalf. You confirm that you have a business relationship with that customer, that the invoice is genuine and for work you did or agreed to do, and that you are entitled to contact them about it at the email and phone number in QuickBooks. Reminders go out under your business name and your customer will treat them as coming from you, because they are.

If a customer replies STOP to a text, we stop texting them and tell you, and reminders for that customer continue by email only. Do not use Earned Today to send anything to a customer other than their invoice and reminders about it.

5. Your QuickBooks data

You give us permission to read invoices and customers from your QuickBooks Online company and to create payments against those invoices. We never create, edit, or delete an invoice. We never change a customer record. We write a payment only after we have confirmed the e-Transfer from your forwarded Interac notification, and only once per transfer. Before writing, we check the invoice balance in QuickBooks; if it is already lower than expected, we hold the payment and text you instead of guessing.

You can disconnect QuickBooks at any time from your settings or from inside QuickBooks. When you do, we stop reading and writing immediately.

6. Price and payment

Early access is free, no obligation, and the locked rate below is offered to early access contractors at launch.

The founding rate is $588 per year, paid up front, for the first ten contractors. That rate is locked for as long as you keep your subscription, no matter what we add to the service. After the founding spots are gone, the regular price is $79 per month. Prices are in Canadian dollars and do not include GST, which is added where it applies.

Every plan includes unlimited invoices, unlimited texts and emails, unlimited team members, and QuickBooks sync in both directions. There are no per-user fees and no per-message fees.

There is no contract. Cancel whenever you like from your settings or by emailing us, and your subscription will not renew. If you cancel within the first thirty days of an annual plan we will refund the year in full. After that, an annual plan runs to the end of its year and is not refunded for the unused part. Monthly plans stop at the end of the month you cancel in.

If we change the regular price we will give existing monthly customers at least thirty days' notice. The founding rate does not change.

7. What we promise, and what we do not

We will run the service carefully, keep your data as described in our privacy policy, and fix problems when you tell us about them. We will never post a payment we are not sure about; when in doubt we ask you.

We cannot promise that the service will never be interrupted or never have a bug, that every text or email will be delivered, or that QuickBooks, Interac, your bank, or your customer's bank will behave. Earned Today is provided as is. To the extent the law allows, we make no other warranties, and our total liability to you for anything arising out of the service is limited to the amount you paid us in the twelve months before the claim. We are not liable for lost profits, lost data that you could have kept in QuickBooks, or indirect damages of any kind. Nothing in these terms limits liability for fraud or for anything the law does not allow us to limit.

You agree to cover us for claims from your customers or anyone else that arise from invoices you sent, messages you asked us to send in your name, or your breach of these terms.

8. Ending things

You can close your account at any time. We can suspend or close your account if you break these terms, use the service to send anything other than genuine invoices and reminders, or if we reasonably believe your account is being used for fraud. We will tell you why unless the law prevents it. If we ever shut the service down, we will give you at least sixty days' notice and refund any prepaid time you do not get to use.

When an account closes, we disconnect QuickBooks, stop all messages, and handle your data as set out in the privacy policy. Everything we wrote to QuickBooks stays in QuickBooks; it is yours.

9. Changes to these terms

We may update these terms. If a change matters, we will email or text you at least thirty days before it takes effect, and continuing to use the service after that date means you accept it. If you do not, cancel before the date and we will refund any prepaid, unused time.

10. Law and disputes

These terms are governed by the laws of British Columbia and the federal laws of Canada that apply there. Any dispute goes to the courts of British Columbia. Before that, talk to us. Most problems are a misunderstanding that one email fixes.

11. Everything else

These terms, together with the privacy policy and the SMS messaging program, are the whole agreement between us about Earned Today. If part of them turns out to be unenforceable, the rest still applies. If we do not enforce something once, that does not mean we have given it up. You may not transfer your account to someone else without asking us; we may transfer this agreement to a company that takes over Earned Today, and we will tell you if that happens.

See also the privacy policy and the SMS messaging program.