Terms & Conditions

1. Acceptance of Terms

By accessing or using OnPoint ("the Service"), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, do not use the Service. We may update these terms from time to time; continued use after changes constitutes acceptance.

2. Description of Service

OnPoint is a business management platform that provides tools for:

• Jobs, projects, offers, and contractor workflows
• Appointments, calendar, and reminders
• Contacts, sites, quotes, invoices, job sheets, and payments
• Optional bank account linking for payment matching and reconciliation (see section 4)
• Certificates, team and time management, and notifications
• Customer-facing booking and contact portal

We do not provide legal, tax, or financial advice. You are responsible for your own compliance and record-keeping.

3. Your Obligations

You agree to:

• Provide accurate information and keep your account secure
• Use the Service only for lawful business purposes
• Comply with applicable laws (including data protection) when storing or processing customer data
• Not misuse the Service, attempt to gain unauthorised access, or interfere with its operation

4. Bank Account Linking

If you choose to link your business bank account via TrueLayer:

• You authorise us to access account and transaction data (as described in our Privacy Policy) for the purpose of invoicing and reconciliation — matching incoming payments to your invoices and recording payments.
• Access is read-only; we do not initiate payments or move funds. Bank linking is provided through TrueLayer; their terms and your bank's terms also apply.
• You may disconnect your bank account at any time from Preferences. Disconnecting will stop automatic payment matching until you link again.
• We are not responsible for your bank's availability, for incorrect references on customer payments, or for your use of matched/unmatched payment data.

5. Intellectual Property & Your Data

OnPoint and its branding are our property. You retain ownership of the data you submit. By using the Service, you grant us the rights necessary to operate it (e.g. storing, processing, and displaying your data, and using bank data for reconciliation as described). Our use of personal and bank data is set out in our Privacy Policy.

6. Limitation of Liability

The Service is provided "as is". To the fullest extent permitted by law, we exclude liability for indirect, consequential, or special damages, and our total liability shall not exceed the fees you paid to us in the twelve months before the claim. Nothing in these terms excludes or limits liability that cannot be excluded or limited by law.

7. Termination

We may suspend or terminate your access if you breach these terms or for other operational reasons. You may stop using the Service at any time. On termination, your right to use the Service ends; we may retain data as required by law or as described in our Privacy Policy.