1. Account Terms
To use Ratio, you must create an account with accurate information and keep that information current. You are responsible for the people you invite, the credentials tied to your account, and the activity that happens inside your workspace.
If you are signing up on behalf of a business, you confirm that you have the authority to agree to these terms for that business.
2. Acceptable Use
You may use Ratio to manage leads, clients, proposals, invoices, contracts, payments, and related workflow activity for legitimate business operations. You may not use the service to break the law, send deceptive communications, interfere with the platform, or attempt to access data that does not belong to you.
You also may not upload malicious code, abuse rate limits, or use the service to impersonate another person or company.
3. SMS Communications and Consent Requirements
If you use Ratio to send text messages, SMS notifications, or similar mobile communications to your clients, leads, customers, contacts, or other end recipients ("Recipients"), you represent, warrant, and agree that, before sending any such message, you have obtained all legally required permissions, including each Recipient's express written consent where required by applicable law.
You are solely responsible for ensuring that each Recipient has validly opted in to receive the specific type of SMS communication you send through Ratio, and that your SMS practices comply with all applicable laws, rules, regulations, industry standards, and carrier requirements, including the Telephone Consumer Protection Act, related state laws, and applicable CTIA messaging principles and guidelines. Ratio provides SMS functionality only as a software platform and messaging conduit on your behalf. Ratio does not determine whether your communications require consent and does not provide legal advice regarding your compliance obligations.
You must maintain complete, accurate, and up-to-date records sufficient to demonstrate each Recipient's consent to receive SMS communications from you, including the date, time, method of consent, the phone number that opted in, and the language presented when consent was obtained. You must retain these records for as long as required by applicable law and, in any event, for at least four years after the last message is sent to the applicable Recipient. Upon Ratio's request, you must promptly provide copies of such records and any other information reasonably necessary for Ratio to verify compliance with this section or respond to carrier, regulator, or third-party complaints.
You must immediately honor all opt-out, unsubscribe, stop, and revocation requests from Recipients, and you may not use Ratio to send SMS messages to any Recipient who has withdrawn consent or for whom you cannot produce adequate proof of consent. You may not use purchased, rented, scraped, harvested, or otherwise improperly obtained phone numbers with Ratio's SMS functionality.
Ratio may monitor SMS-related complaints, carrier feedback, delivery patterns, and other compliance signals. If Ratio reasonably suspects that you have failed to obtain required consent, failed to maintain adequate consent records, sent unlawful or noncompliant messages, or otherwise violated this section, Ratio may immediately suspend, restrict, or terminate your access to SMS functionality, or suspend your account, with or without prior notice. Ratio will have no liability for any such suspension, restriction, or termination undertaken in good faith to address suspected noncompliance.
4. Payment Terms
Paid subscriptions are billed according to the plan you choose. If your plan includes a trial, no payment method is required until you choose to continue after the trial ends. When billing starts, payments are processed through Stripe.
You are responsible for taxes, chargebacks, failed payments, and keeping your billing details current. Fees already charged are generally non-refundable unless required by law or explicitly stated otherwise.
5. Service Availability
We aim to keep Ratio available and reliable, but the service is provided on an “as available” basis. We may perform scheduled maintenance, emergency maintenance, or infrastructure changes that temporarily affect access.
We do not publish this document as a service-level agreement or uptime guarantee.
6. Intellectual Property
You keep ownership of the data, files, content, and client records you place into Ratio. We keep ownership of the Ratio software, design, documentation, and related intellectual property.
You give us the limited rights we need to host, process, transmit, back up, and display your data in order to operate the service for you.
7. Limitation of Liability
To the fullest extent allowed by law, Ratio is not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, lost business, or lost data arising from use of the service.
Our total liability for any claim relating to Ratio will not exceed the amount you paid us during the 12 months before the event that gave rise to the claim.
8. Termination
You may stop using Ratio at any time. We may suspend or terminate access if you violate these terms, fail to pay fees when due, create security risk, or use the service in a way that harms the platform or other users.
After termination, access may end immediately, though we may provide a limited export or recovery window where appropriate.
9. Governing Law
These terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules. Any disputes arising from these terms or your use of the service will be resolved in the state or federal courts located in Tennessee.
If a court finds part of these terms unenforceable, the rest will remain in effect.
10. Changes to These Terms
We may update these terms from time to time. When changes are material, we will update the “Last updated” date and may provide notice in the product or by email.
Your continued use of Ratio after the updated terms take effect means you accept the revised terms.
11. Contact
If you have questions about these terms, contact us at [email protected].