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Terms of service

The terms for using TradeOwed.

Effective date: October 30, 2026

These Terms of Service ("Terms") are an agreement between Buy Owner Florida LLC, a Florida limited liability company doing business as TradeOwed ("TradeOwed," "We," "Us"), and the business that signs up for TradeOwed ("Customer," "You"). They cover the TradeOwed app and website at tradeowed.com, and the sharing and upload pages We host for Our Customers (together, the "Service").

By starting a trial, subscribing, or using the Service, You agree to these Terms. If You are accepting these Terms on behalf of a company, You confirm that You have the authority to bind that company, and "You" means the company. If You don't agree, don't use the Service.

TradeOwed's Privacy Policy explains how We handle personal information and is part of these Terms.

1. What TradeOwed does, and what it doesn't

TradeOwed helps You store certificates of insurance ("COI"), licenses, W-9s and similar documents; read details from certificates; send documents to the general contractors You work for; collect documents from Your own subcontractors; and get reminders before documents expire.

TradeOwed is not an insurance company, agent, broker or law firm, and it doesn't give insurance, legal or tax advice. A certificate of insurance is informational only; it doesn't change or prove coverage. TradeOwed doesn't verify that any policy exists, is in force, or meets a contract's requirements. Your insurance agent and carrier decide Your coverage, and You are responsible for meeting Your contracts' insurance and paperwork requirements, and for checking the documents You receive from others.

Reminders and the automatic sending of information are a convenience, not a guarantee. Emails can be delayed, filtered as spam or fail, and dates can be entered incorrectly. Don't rely on TradeOwed as Your only way of tracking deadlines.

2. Your account

  • Business use. The Service is for businesses and the people who work for them. You must be at least 18 to use it.
  • Accurate information. Give Us accurate account and billing information and keep it current.
  • Team members. Your plan includes licenses for up to 5 people, including the account owner. The account owner controls who's invited and what role each person has, and You are responsible for everything done in Your account by Your team. "Account owner" means the individual who set up the account on behalf of the business.
  • Security. Keep Your sign-in details and sign-in links private, and contact Us immediately at [email protected] if You think someone has accessed Your account without permission.

3. Free trial

  • New customers can try TradeOwed for free for the first 14 days ("Trial Period"), with no payment card required. The Trial Period is limited to one per email address, and We may decline a free trial for a company that has already had one.
  • During the Trial Period, some restrictions may apply, such as lower volume usage than on a paid plan, including the number of certificates the AI reads automatically (30 during the entire Trial Period) and the number of emails the app sends to general contractors and subcontractors each day (25).
  • If You add a payment method before the Trial Period ends, Your subscription starts when the Trial Period ends. If You don't provide a payment method when the Trial Period ends, Your account becomes read-only: nothing is deleted, You can still view and export Your data, and adding a payment method later turns full access back on.
  • We may change or end trial offers for new customers at any time, and We may end a trial early if We reasonably believe it is being misused.

4. Subscriptions, billing and cancellation

  • Price. TradeOwed costs $29 a month or $290 a year, plus any applicable taxes, unless the pricing page shows otherwise when You subscribe. Every feature is included in the one plan.
  • Automatic renewal. Your subscription renews automatically at the end of each monthly or yearly billing period. Each billing period begins on the date Your paid subscription started (for a new customer, the day the Trial Period ends), and We charge Your payment method at the start of each billing period until You cancel.
  • Payments. Payments are processed by Stripe, and Your use of Stripe is subject to Stripe's terms. You authorize Us, through Stripe, to charge the payment method You provided for Your subscription and taxes.
  • Failed payments. If a payment fails, We will inform You and Stripe will retry the payment for Your subscription. If Your payment still has not been processed and collected within seven (7) days after it was due, Your account becomes read-only until the outstanding balance is paid.
  • Price changes. We may change Our prices at any time. If a price increase is planned, We will give You at least 30 days' notice by email before the new price applies to Your subscription, and the price increase will take effect at Your next renewal after that notice. If You don't want to pay the new price, You can cancel before it takes effect.
  • Cancellation. You can cancel at any time from Settings → Billing in the app. Cancellation takes effect at the end of Your current billing period, and You keep full access until then. After that, Your account becomes read-only and Your Content is kept and then deleted as described in Section 5 (Export and deletion). Backing up Your information before it is deleted is Your responsibility, and We are not responsible for lost data or for Your inability to access Your information after it has been deleted as described in these Terms.
  • Refunds. By accepting these Terms, You acknowledge that You pay in advance for the entire monthly or annual billing period. Payments received by Us for Your use of the Service are strictly non-refundable, which means We do not give refunds or credits for partial billing periods or unused time, except where the law requires it or as described in Section 9 (Changes to the Service).
  • Taxes. Our monthly and annual subscription prices do not include taxes. You are responsible for sales, use and similar taxes on Your subscription, other than taxes on Our income.

5. Your content

"Your Content" means the documents, files, details and contact information that You, Your team, or people You invite (such as a subcontractor using an upload link) put into the Service.

  • You own Your Content. These Terms don't give Us ownership of Your Content.
  • Permission for Us to run the Service. You give Us a limited permission to store, copy, process, display and transmit Your Content only as needed to provide, secure and support the Service, including sending Your Content electronically to the people You choose and to Our service providers as described in the Privacy Policy. This permission ends when Your Content is deleted from the Service, except for copies in backups that are overwritten on their normal schedule.
  • Your responsibility. You are responsible for Your Content and for having the right to upload Your Content and share it through the Service. When You add information about other people or companies, such as a general contractor's contact details or a subcontractor's documents, You confirm that You have a legitimate business reason for that information to become part of Your Content and that You have the approval of those general contractors and subcontractors to upload their documents to the Service, and You agree that You will use the Service lawfully and for business purposes only.
  • Sharing links. When You send documents, the recipient gets a secure link. Anyone who has that link can view and download the documents You selected until it expires (30 days after sending), so make sure You send secure links only to the correct people.
  • Export and deletion. You can export Your Content at any time, including while Your account is read-only. If You don't start a paid subscription when Your Trial Period ends, or after Your paid subscription (monthly or annual) is cancelled and the billing period You paid for ends, We will keep Your Content for 12 months so that You can return to the Service or export it, and then We will delete it. The account owner can ask Us to delete all of Your account's content sooner by emailing [email protected].

6. The Artificial Intelligence ("AI") feature

TradeOwed can read details from a certificate of insurance automatically using an AI service provider.

  • AI is not perfect and can make mistakes when reading the details of Your Content. The Service shows what it read so You can review and correct any inaccuracies before saving the information to Your account, and You are responsible for confirming that the details the AI identified are accurate. As We do not take ownership of Your Content, You waive any and all liability claims against Us for any inaccuracies made when using the AI feature of the Service.
  • We do not send W-9 tax forms to Our AI provider.
  • Automatic reading is limited per account (currently 50 certificates a day and 300 a month on a paid plan, and 30 in total during the Trial Period). During the 12-month period after Your subscription (monthly or annual) ends, You will have read-only access, and the AI feature is not available. During the Trial Period and during an active subscription, You can always enter the details manually if You reach these limits.

7. Emails sent at Your direction

When You send documents to a general contractor, request documents from a subcontractor, or turn on automatic renewal sends, the Service emails the recipients at the email addresses You list, on Your behalf. You are responsible for making sure that You have a business relationship with the intended recipients and that the emails are appropriate. You agree that You will not use the Service to send unsolicited marketing emails. If We determine that You are using the Service to send unsolicited marketing emails, You agree that We have the right to cancel Your subscription (monthly or annual) with no refund for any unused time You have paid for.

8. Acceptable use

You agree not to, and not to let anyone else:

  • upload anything unlawful, infringing, deceptive or harmful, or documents You know to be forged or altered;
  • upload malware, or try to break, probe or get around the Service's security, limits or access controls;
  • access another customer's account or data;
  • overload or disrupt the Service, or use AI bots or scripts to access the Service other than through features We provide;
  • copy, resell or sublicense the Service, or use it to build a competing product;
  • use the Service to harass anyone or to send spam; or
  • use the Service in a way that breaks the law or someone else's rights.

9. Our responsibilities

  • Security. We will use reasonable administrative, technical and physical safeguards to protect Your Content, as described in the Privacy Policy.
  • Availability. We work to keep the Service running, but it may sometimes be unavailable for maintenance, updates or reasons outside of Our control. We do not promise any particular uptime. We back up data regularly, but You should keep Your own copies of important documents outside of the Service.
  • Changes to the Service. We may add, change or remove features at any time without notice to You. If We remove a major feature You pay for, We will notify You in advance and, if You cancel because of it, refund any prepaid amount for the unused part of Your billing period. You acknowledge that this is the only exception to Our no-refund policy in these Terms, other than where the law requires a refund.
  • Support. Email support is available at [email protected].

10. Our intellectual property and Your feedback

TradeOwed, its software, design, name and logo belong to Us or Our licensors. Except for the right to use the Service under these Terms, You do not get any rights in them. If You send Us suggestions or feedback, We may use them without any obligation to You.

11. Third-party services

The Service relies on third parties such as Stripe for payments and email providers for delivering the emails it sends. The services provided by third parties are governed by their own terms, and We are not responsible for them. Links to other websites are for convenience only.

12. Suspension and termination

  • By You. You can cancel at any time, as described in Section 4.
  • By Us. We may suspend or end Your access if You seriously or repeatedly break these Terms, do not pay or keep an active payment method on file, or use the Service in a way that could harm others, the Service or Us. Where it is reasonable, We will tell You first and give You a chance to fix the problem. While an account is suspended, its sharing and upload links stop working.
  • After it ends. Sections 1, 5 (Export and deletion), 10, 13, 14, 15, 16 and 17 continue to apply after these Terms end, along with any amounts You owe.

13. Disclaimers

Except as expressly stated in these Terms, the Service is provided "as is" and "as available." To the fullest extent the law allows, We disclaim any and all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement, and any warranty that the Service will be uninterrupted or error-free, or that information read or shown by the Service (including AI-read details, statuses and expiration dates) will be accurate or complete.

14. Limitation of liability

To the fullest extent the law allows:

  • neither party will be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, contracts, payments, data or goodwill, even if it was told they were possible, including losses from a lapsed or missing certificate, a delayed payment from a general contractor, or a coverage dispute; and
  • each party's total liability arising out of or relating to these Terms or the Service will not exceed the greater of the amounts You paid Us in the 12 months before the event giving rise to the claim, or $100.

These limits don't apply to Your payment obligations or Your obligations under Section 15.

15. Indemnity

You will defend and indemnify Buy Owner Florida LLC and its owners, employees and agents against third-party claims, and the resulting losses, damages and reasonable legal fees, arising from Your Content, Your use of the Service in breach of these Terms, or Your violation of law or someone else's rights.

16. Disputes

  • Talk to Us first. If You have a dispute with Us, email [email protected] and give Us 30 days to try to resolve it informally before starting any formal proceeding.
  • Governing law. These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules.
  • Where disputes are heard. Disputes will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Cape Coral, Florida, with a class action waiver and a small-claims exception.

17. General terms

  • Changes to these Terms. We have the right to update these Terms at any time. We will post the new version of these Terms here with a new effective date, and for significant changes We will tell account owners by email or in the Service at least 30 days before they take effect. If You keep using the Service after that, the new Terms apply. If You do not agree, You can cancel before they take effect. Cancelling for this reason does not entitle You to a refund; You keep access until the end of the billing period You have already paid for.
  • Notices. We will send notices to the account owner's email address. You can send notices to [email protected].
  • Assignment. You cannot transfer these Terms without Our written consent. We may transfer them in a merger, acquisition or sale of Our business or assets.
  • Events outside Our control. Neither party is responsible for delays or failures caused by events beyond its reasonable control, such as natural disasters, power or internet outages, or failures of third-party providers. This does not apply to payment obligations.
  • Entire agreement. These Terms and the Privacy Policy are the entire agreement between You and Us about the Service and replace any earlier agreements on the subject. Terms in Your purchase orders or other documents do not apply.
  • Severability and waiver. If part of these Terms cannot be enforced, the rest stays in effect. If We do not enforce a right, We have not given it up.
  • Independent parties. You and We are independent contractors. These Terms do not create a partnership, employment or agency relationship.

Contact us

Buy Owner Florida LLC d/b/a TradeOwed
Email: [email protected]