← Back to 1099Ready

1. Acceptance of Terms

By accessing or using 1099Ready ("Service", "Platform", "we", "us", or "our"), you ("User", "you", or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you and 1099Ready. Your continued use of the Service constitutes your acceptance of any modifications to these Terms.

2. Description of Service

1099Ready is a web-based software platform designed to help small business owners who hire independent contractors:

• Track contractor payments throughout the year
• Manage business expenses
• Collect W-9 forms from contractors
• Export 1099-NEC data summaries in IRS-compliant formats (PDF and CSV)
• Organize projects and contractor relationships
• Create and manage invoices

3. Eligibility

To use 1099Ready, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Service under applicable law
• Provide accurate and complete registration information
• Use the Service for lawful business purposes only

4. Account Registration and Security

4.1 Account Creation

You must create an account to use 1099Ready. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your password
• Immediately notify us of any unauthorized access or security breach

4.2 Account Responsibility

You are solely responsible for:

• All activities that occur under your account
• Maintaining the confidentiality of your login credentials
• All charges incurred through your account
• Compliance with these Terms by anyone using your account

4.3 Account Security

We implement industry-standard security measures, including:

• Encrypted data transmission (HTTPS/SSL)
• Firebase Authentication with secure password storage
• Regular security audits and monitoring
• Firestore security rules to protect user data

5. Subscription and Payment

5.1 Pricing

1099Ready operates on a subscription model:

• Monthly Subscription: $10.99/month (after free trial)
• Pricing is subject to change with 30 days advance notice
• All prices are in USD

5.2 Payment Processing

Payments are processed securely through Stripe, Inc. By subscribing, you agree to:

• Provide valid payment information
• Authorize recurring monthly charges
• Stripe's Terms of Service and Privacy Policy
• Keep your payment information current and valid

5.3 Billing

• Subscriptions are billed monthly in advance
• Billing occurs on the same day each month as your subscription start date
• Failed payments may result in service suspension
• You will receive email notifications for successful and failed payments

5.4 Refund Policy

5.5 Cancellation

You may cancel your subscription at any time through:

• Settings → Billing → Manage Billing (Stripe Customer Portal)
• Cancellation takes effect at the end of the current billing period
• No charges will occur after cancellation
• Your data will be retained according to our Privacy Policy

6. Free Trial

6.1 Trial Period

New users receive a 7-day free trial with full access to all Pro features.

6.2 Trial Terms

• One free trial per user (per email address)
• Payment method required at signup (but not charged during trial)
• Cancel anytime during trial with no charge
• After 7 days, automatic billing begins at $10.99/month

6.3 Trial Conversion

If you do not cancel before the trial ends:

• Your payment method will be charged $10.99
• Subscription continues on a monthly basis
• You will receive an email confirmation of the charge

7. Acceptable Use

7.1 Permitted Use

You may use 1099Ready only for:

• Legitimate business purposes
• Tracking your own financial data
• Generating tax documents for your business
• Managing your contractor relationships

7.2 Prohibited Use

You agree NOT to:

• Use the Service for any illegal purpose or in violation of any laws
• Upload false, misleading, or fraudulent information
• Attempt to gain unauthorized access to the Service or other users' accounts
• Reverse engineer, decompile, or disassemble the Service
• Use automated scripts, bots, or scrapers to access the Service
• Resell, redistribute, or sublicense the Service
• Remove or obscure any proprietary notices
• Use the Service to spam, phish, or distribute malware
• Violate any third party's rights, including intellectual property or privacy rights
• Interfere with or disrupt the Service or servers

7.3 Enforcement

We reserve the right to investigate violations and take appropriate action, including:

• Removing violating content
• Suspending or terminating accounts
• Reporting illegal activity to law enforcement
• Pursuing legal remedies

8. Your Data and Content

8.1 Data Ownership

You retain all ownership rights to the data you enter into 1099Ready, including:

• Contractor information
• Payment records
• Expense data
• Project information
• Generated reports and forms

8.2 License to Use Your Data

By using the Service, you grant us a limited license to:

• Store your data on our servers
• Process your data to provide the Service
• Create backups of your data
• Use aggregated, anonymized data for analytics and improvements

We will NEVER sell your personal data or use it for purposes other than providing the Service.

8.3 Data Security

We implement reasonable security measures to protect your data, but cannot guarantee absolute security. You acknowledge that:

• No internet transmission is completely secure
• You use the Service at your own risk
• You are responsible for maintaining backups of critical data

8.4 Data Retention and Deletion

Active Accounts:

• Data is retained for as long as your account is active
• Data is backed up regularly and encrypted at rest

After Subscription Cancellation:

• Your data is retained for 90 days after cancellation
• You can reactivate your subscription within 90 days to restore full access
• After 90 days, all data is permanently and automatically deleted
• We will send email reminders at 60 days (30 days left) and 85 days (5 days left)

Immediate Deletion Requests:

• You can request immediate account and data deletion at any time
• Contact us at privacy@1099ready.app or use the "Delete Account" option in Settings
• We will permanently delete all data within 30 days of your request
• You will receive email confirmation when deletion is complete

Legal Retention:

• Some data may be retained longer if required by law or for legal compliance
• System backups may persist for up to 90 days but are not accessible

8.5 Data Export

You have the right to export ALL of your data at any time:

• Available through Settings → Privacy & Data → Export Data
• Includes all contractors, invoices, expenses, projects, and time entries
• Exported in JSON format (machine-readable)
• CSV format available for individual data types
• No charge for data export
• Complies with GDPR and CCPA data portability requirements

9. Tax Compliance Disclaimer

9.1 No Tax Advice

We do not provide tax, legal, or accounting advice. You should consult with qualified professionals regarding:

• Tax obligations and filing requirements
• Classification of workers (employee vs. contractor)
• Deductible expenses
• State and local tax requirements
• IRS compliance

9.2 User Responsibility

9.3 Data Export Only - Not Filing Service

1099Ready organizes and exports your contractor payment data in IRS-compliant formats (professional PDF summaries and CSV spreadsheets) based on your input data, but:

• Does NOT generate official IRS 1099-NEC forms - You must obtain and fill official forms from IRS.gov or use tax software
• Does NOT file forms with the IRS - You must file through official channels (FIRE e-file system, mail, or accountant)
• Does NOT validate TIN/EIN numbers with the IRS - You must verify these yourself or use IRS TIN Matching service
• Does NOT guarantee IRS acceptance or compliance
• Does NOT ensure compliance with federal, state, or local tax laws
• Does NOT provide state-specific forms or filing
• Does NOT verify payment amounts, dates, or worker classification
• Does NOT replace professional tax preparation services

Our exported data summaries are for your records and to assist with filing through official channels. You are responsible for downloading official IRS forms, filling them accurately using our organized data, and filing them by required deadlines. We recommend consulting with a qualified CPA or tax professional for filing assistance.

9.4 No Liability for Tax Issues

1099Ready and its creators, officers, employees, and affiliates are NOT liable for:

• IRS penalties, fines, interest, or fees ($50-$280 per form or more)
• Incorrect, incomplete, or late tax filings
• Late filings or missed deadlines (January 31 deadline)
• Tax audits, disputes, or IRS correspondence
• Errors or inaccuracies in user-entered data
• Incorrect TIN/EIN validation or verification
• State or local tax compliance issues
• Worker classification issues (employee vs. contractor)
• Calculation errors or formula mistakes
• Rejected or non-scannable forms
• Any financial loss or business impact related to taxes

9.5 Indemnification for Tax Issues

You agree to indemnify and hold harmless 1099Ready from any claims, damages, penalties, fines, legal fees, or expenses arising from:

• Your tax filings or failures to file
• IRS audits or investigations
• Incorrect data you entered into the Service
• Your reliance on the Service for tax compliance
• Any tax-related disputes or litigation

9.6 Recommendation to Consult Professionals

10. Intellectual Property

10.1 Our Rights

1099Ready and all related content, features, and functionality are owned by us and protected by:

• Copyright laws
• Trademark laws
• Trade secret laws
• Other intellectual property rights

10.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Service for personal business use
• Download and print reports generated by the Service

10.3 Restrictions

You may NOT:

• Copy, modify, or create derivative works
• Reverse engineer or decompile the Service
• Remove proprietary notices or branding
• Use our trademarks without permission

11. Termination

11.1 Termination by You

You may terminate your account at any time by:

• Canceling your subscription through Stripe Customer Portal
• Requesting account deletion through Settings
• Emailing us at support@1099ready.app

11.2 Termination by Us

We may suspend or terminate your account immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Fail to pay subscription fees
• Abuse or misuse the Service

11.3 Effect of Termination

Upon termination:

• Your access to the Service will cease immediately
• Your subscription will be canceled (no refunds)
• Your data will be deleted according to our Privacy Policy
• Certain provisions of these Terms will survive (see below)

11.4 Survival

The following sections survive termination:

• Your Data and Content (ownership rights)
• Intellectual Property
• Disclaimers and Warranties
• Limitation of Liability
• Indemnification
• Governing Law

12. Disclaimers and Warranties

12.1 No Warranties

We disclaim all warranties, express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability
• Error-free or uninterrupted operation
• Security or data protection

12.2 No Guarantee

We do NOT guarantee that:

• The Service will meet your requirements
• The Service will be available at all times
• Results will be accurate or reliable
• Errors will be corrected
• Data will be secure from unauthorized access

12.3 Third-Party Services

The Service integrates with third-party services (Firebase, Stripe). We are not responsible for:

• Third-party service outages or errors
• Changes to third-party services
• Third-party data breaches

13. Limitation of Liability

13.1 Limitation

In no event shall our total liability exceed the amount you paid us in the 12 months preceding the claim.

13.2 Excluded Damages

We are not liable for:

• Lost profits or revenue
• Lost data or business interruption
• IRS penalties, fines, or tax liabilities
• Errors in tax calculations or filings
• Unauthorized access to your account
• Service outages or downtime
• Third-party actions or services

13.3 Basis of the Bargain

These limitations reflect the allocation of risk between the parties. The limitations apply even if:

• A remedy fails of its essential purpose
• We were advised of the possibility of damages
• The damages were foreseeable

14. Indemnification

You agree to indemnify, defend, and hold harmless 1099Ready, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any law or regulation
• Your data or content
• Your infringement of third-party rights
• Tax liabilities, penalties, or disputes

15. Modifications to Service and Terms

15.1 Service Changes

We reserve the right to:

• Modify or discontinue the Service at any time
• Add or remove features
• Change pricing with 30 days notice
• Implement maintenance or updates

15.2 Terms Changes

We may update these Terms at any time. When we do:

• We will update the "Last Updated" date
• We will notify you via email or in-app notification
• Continued use constitutes acceptance of the new Terms
• Material changes will be highlighted

15.3 Your Right to Reject

If you do not agree to modified Terms:

• You must stop using the Service
• Cancel your subscription before changes take effect
• No refund for remaining subscription period

16. Governing Law and Dispute Resolution

16.1 Governing Law

These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles.

16.2 Jurisdiction

Any disputes shall be resolved in the state or federal courts located in Delaware, United States.

16.3 Waiver of Class Actions

You agree to resolve disputes on an individual basis only, not as a class action, class arbitration, or consolidated action.

16.4 Informal Resolution

Before filing any legal claim, you agree to contact us at legal@1099ready.app to attempt informal resolution.

16.5 Time Limit

Any claim must be filed within one (1) year of the cause of action arising, or be permanently barred.

17. Contact Information

---

By using 1099Ready, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

← Return to 1099Ready