Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
FreshBooks can change its terms at any time, with your continued use signifying agreement (risk_flags-1). You are fully liable for your User Content, and FreshBooks can remove it without notice (risk_flags-2, risk_flags-3). FreshBooks collects and refreshes your credit information for marketing purposes (data_use-1) and considers User Content in Interactive Areas non-confidential (data_use-2). Your User Content can also be used broadly for analytics and marketing additional services (data_use-3). Subscription fees are non-refundable, and disputes are limited to 90 days, with refunds capped at three months' fees (cancellation_renewal-1, cancellation_renewal-2). Late payments incur a high interest rate, and FreshBooks can collect negative balances by charging your card on file (gotchas-1, gotchas-2). Your access credentials, which belong to FreshBooks, can be revoked at their sole discretion (gotchas-3).
90% confidence
Ask Verbaterm
Follow up on findings with grounded answers from this review. Not legal advice.
Risk Flags
Potentially harmful terms that are material and hard to reverse. These are often one-sided clauses that may lead to financial loss, privacy exposure, or limited user rights.
high95% confidence
Service can unilaterally change terms at any time; continued use constitutes agreement
FreshBooks reserves the right to change, modify, or alter these Terms, or any policy or guideline applicable to the Services, at any time in its sole discretion. Your continued use of the Services after such notice will constitute your agreement to be bound by such modified Terms.
Why it matters: The company can change the terms of service at any time. Your continued use of the service after such changes means you agree to the new terms, potentially without explicit consent for each change.
FreshBooks reserves the right, in its sole discretion, to change, modify or otherwise alter these Terms, or any policy or guideline applicable to the Services, at any time. If we do so, we will make reasonable efforts to communicate these changes to you via email at the email address you provide in your Registration Data (defined below), if any, or we will post a notice on the Site and/or in the Application. Unless otherwise specified, any changes or modifications will be effective immediately upon such notice, and your continued use of the Services after such notice will constitute your agreement to be bound by such modified Terms.
_**1. Updates to these Terms**_, paragraph 1 · Citation strength: strong
high95% confidence
Liability for user-generated content
You are responsible and liable for all of your User Content, and FreshBooks has no responsibility or liability for any User Content, or for any loss or damage User Content may cause to you or any person.
Why it matters: You are fully responsible for any content you upload or create using the services, and FreshBooks is not liable for any harm or damage that content might cause.
Your User Content is your responsibility. You agree that you are responsible and liable for all of your User Content, and FreshBooks has no responsibility or liability for any User Content, or for any loss or damage User Content may cause to you or any person.
**_10. User Content and Interactive Areas_**, paragraph 6 · Citation strength: strong
high95% confidence
User Content can be removed without notice or reason
FreshBooks has the sole discretion to remove, screen, or edit without notice any User Content posted or stored on the Services, and they may do this at any time and for any reason.
Why it matters: The company can remove or edit any content you post or store on their services at any time, for any reason, and without telling you first.
Although we have no obligation to do so, we have the sole discretion to remove, screen or edit without notice any User Content posted or stored on the Services, and we may do this at any time and for any reason.
**_10. User Content and Interactive Areas_**, paragraph 7 · Citation strength: strong
medium90% confidence
No guarantee of personal information security; user accepts risks
FreshBooks cannot guarantee the security of your personal information transmitted through the Site or Application. The transmission of personal information is at your own risk, and FreshBooks is not responsible for circumvention of any privacy settings or security measures.
Why it matters: You are informed that the security of your personal information cannot be guaranteed during transmission and that you accept the risks associated with this. FreshBooks is not responsible if security measures are bypassed.
In addition, reliability of hosting services, Internet intermediaries, your Internet service provider, and other service providers cannot be assured. When you use the Services, you accept these risks. Specifically, Subscribers who enable auto-billing and choose to store the credit card information of their Customers accept these risks to the security of that credit card information. Credit card data is provided by Subscribers and their Customers, and they are responsible for its protection. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site or Application.
Practices concerning the collection, processing, and sharing of user data.
medium90% confidence
Authorization to obtain and refresh credit information for marketing
By using the Services, you authorize FreshBooks, its affiliates, and designated third-party service providers to obtain and periodically refresh your credit information and other information from credit bureaus or similar third parties for marketing and eligibility, to offer additional services to you, and refer third-party services to you. This authorization remains in effect for the duration of your relationship with FreshBooks.
Why it matters: You give the company permission to regularly access your credit information and other data from credit bureaus for marketing purposes, to offer you additional services, and to refer third-party services, for as long as you use the service.
By using the Services, you authorize FreshBooks, its affiliates, and designated third-party service providers in accordance with the Fair Credit Reporting Act and other applicable law to obtain and periodically refresh your credit information and other information about you from credit bureaus or similar third parties for marketing and eligibility, as required in connection with your use of the Services, to offer additional services to you, and refer third party services to you.
**_4. Privacy Policy and Data Processing_**, paragraph 2 · Citation strength: strong
medium95% confidence
User Content considered non-confidential in Interactive Areas
User Content submitted to any Interactive Area will be considered non-confidential.
Why it matters: Any content you submit to areas like blogs or forums will not be treated as private or confidential.
User Content submitted to any Interactive Area will be considered non-confidential.
**_10. User Content and Interactive Areas_**, paragraph 1 · Citation strength: strong
medium85% confidence
Broad license to use User Content, including for marketing additional products/services
You grant FreshBooks and its Authorized Partners a world-wide, royalty-free, perpetual, irrevocable, non-exclusive, sublicensable license to access, use, reproduce, analyze, combine with other data sets, and otherwise process all User Content for purposes including conducting simulations, analytics, or modeling to generate reports, trends, or recommendations ("Analytical Outputs"), and using such Analytical Outputs internally or with Authorized Partners to identify, evaluate, and market additional or complementary products or services of FreshBooks or its partners.
Why it matters: You grant the company extensive rights to use your content, including combining it with other data, to create analytical outputs that can be used to market additional products or services to you or others.
1. Conducting simulations, analytics or modeling (including through Authorized Partners) to generate reports, trends, or recommendations (“Analytical Outputs”); 2. Using such Analytical Outputs internally or with Authorized Partners to identify, evaluate, and market additional or complementary products or services of FreshBooks or such partners; and 3. Complying with law and exercising its rights and remedies hereunder.
_**11. Ownership and License to User Content**_, paragraph 4 · Citation strength: strong
Cancellation and Renewal
Terms related to subscription changes, cancellations, and renewals.
high95% confidence
Subscription fees are non-transferable and non-refundable
All features, subscription fees, and other charges for the use of the Services are non-transferable and non-refundable.
Why it matters: Any money you pay for the service, including subscription fees, cannot be transferred to another user and will not be refunded, regardless of the circumstances.
All fees subscription fees and other charges for the use of the Services are non-transferable and non-refundable.
Disputes about charges limited to 90 days and refunds limited to three months
If you wish to dispute any fees or other charges, you must do so by written notice within 90 days from the earlier of: (a) date of the applicable invoice or charge; or (b) when payment is processed. In no event shall FreshBooks provide any refund or credit of more than three months’ fees or charges.
Why it matters: You have a limited window of 90 days to dispute charges, and even if your dispute is successful, you will not receive a refund or credit for more than three months' worth of fees.
If you wish to dispute any fees or other charges applied by FreshBooks, you must do so by written notice within 90 days from the earlier of: (a) date of the applicable invoice or charge; or (b) when payment is processed. In no event shall FreshBooks provide any refund or credit of more than three months’ fees or charges.
Potentially unfavorable clauses that may be overlooked. These can include hidden fees, automatic renewals, or limitations on service.
medium95% confidence
Late payments accrue significant interest
Any portion of any subscription fee or other charge payable hereunder that is not paid when due shall accrue interest at an amount equal to 1.5% of such amount per month (18% per year) or the maximum amount allowed by law, whichever is less, from the due date until paid.
Why it matters: If you pay your fees late, you will be charged a high interest rate of 1.5% per month, which amounts to 18% per year, or the maximum legally allowed amount.
Any portion of any subscription fee or other charge payable hereunder that is not paid when due shall accrue interest at an amount equal to 1.5% of such amount per month (18% per year) or the maximum amount allowed by law, whichever is less, from the due date until paid.
Right to collect negative balances, including charging card on file
In the event your account has a negative balance that lasts 30 days or longer, FreshBooks may proceed to collect against you, including charging your card on file with FreshBooks and other lawful means.
Why it matters: If your account has a negative balance for 30 days or more, FreshBooks can collect the debt from you, including by automatically charging the credit card you have on file.
In the event your account has a negative balance that lasts 30 days or longer, FreshBooks may proceed to collect against you, including charging your card on file with FreshBooks and other lawful means.
Revocation of access credentials at FreshBooks' sole discretion
Access credentials are the property of FreshBooks and may be revoked if you share them, if they are compromised, if you violate the Terms, or for any other reason in FreshBooks’ sole discretion.
Why it matters: Your login information, such as passwords or API keys, belongs to FreshBooks and can be taken away for many reasons, including sharing them or if FreshBooks decides to revoke them for any reason.
The access credentials are the property of FreshBooks and may be revoked if you share them with any third party (other than as allowed in the Terms), if they are compromised, if you violate these Terms or for any other reason in FreshBooks’ sole discretion.
These are clauses or practices that benefit the user. They can include explicit commitments to data minimization, user control, clear refund policies, or advance notice for changes.
Protection95% confidence
Clear process for exercising privacy rights and opting out of data sharing
Users who wish to exercise privacy rights or opt-out of the sharing of their personal information may do so in accordance with FreshBooks’ privacy policy, which describes User rights, including access, correction, deletion and opt-out mechanisms required by applicable laws. Additional information and directions for submitting an opt-out request via email are available.
Why it helps: You have a clear path to exercise your privacy rights, including accessing, correcting, or deleting your data, and opting out of personal information sharing, as required by law.
Users who wish to exercise privacy rights or opt-out of the sharing of their personal information may do so in accordance with FreshBooks’ privacy policy located “[here](https://www.freshbooks.com/policies/privacy)”describing User rights, including access, correction, deletion and opt-out mechanisms required by applicable laws. Additional information regarding the collection, use, and sharing of data, and directions for submitting an opt-out request via email are available at [Support@freshbooks.com](mailto:Support@freshbooks.com).
**_4. Privacy Policy and Data Processing_**, paragraph 5 · Citation strength: strong
Protection95% confidence
Advance notice for subscription fee changes
If subscription fees change, FreshBooks will give you at least 30 days’ notice.
Why it helps: You will be informed at least 30 days in advance if subscription fees are going to change, giving you time to decide if you want to continue the service.
If subscription fees change, we will give you at least 30 days’ notice.