The paperwork

User Agreement

Last updated September 7, 2026 · Applies to app.chalkcrm.com and chalkcrm.com

This is the agreement between Chalk and your business. Plain English wherever plain English will hold, because an agreement nobody reads protects nobody. The short version: you rent software from us, the records inside it are yours, and what you do with it is yours too. We built the tools. You are the one texting, emailing, quoting, charging and promising things to your customers, and the law treats you as the one who did it.

1 Accepting this agreement

By creating an account, clicking to accept, or using Chalk, you agree to this User Agreement and to the Privacy Policy, which is part of it. If you do not agree, do not use Chalk.

You are agreeing on behalf of a business. The person who accepts represents that they are at least 18, that they are authorised to bind that business, and that the business information they enter is true. Both the business and that person are responsible under this agreement. Chalk is a tool for businesses and is not offered for personal, family or household use.

2 Words we use

• "Chalk", "we", "us" means the operator of chalkcrm.com and app.chalkcrm.com.
• "You", "your business", "Subscriber" means the business that holds the account.
• "Users" means the people you invite: owners, admins, office staff, field crew, bookkeepers, and anyone else who signs in under your account.
• "Your Customers" means the homeowners, property managers and businesses you serve. They are your customers, not ours.
• "Your Data" means everything you or your Users put into Chalk or generate through it: customers, properties, quotes, jobs, visits, invoices, payments, expenses, messages, photos, signatures and notes.
• "ChalkBot" means the assistant and related automations in the Service that can draft or send messages, suggest or make bookings, write or change records, and generate quotes, invoices and other copy, on the settings you choose.
• "The Service" means the Chalk software, websites, APIs and anything we provide with them, including ChalkBot when your plan includes it.

3 What Chalk provides

Chalk is business management software delivered over the internet: quoting, scheduling, invoicing, payment collection, customer messaging, job costing, reporting and related tools, plus ChalkBot on plans that include it. We licence it to you as a subscription for the term you pay for. You are not buying the software and no copy of it is delivered to you.

Chalk is a tool, not a service provider in your trade and not an adviser. We do not perform your work, do not supervise your crews, do not verify your pricing, do not check your licences or insurance, and do not give legal, tax, accounting or regulatory advice. Figures Chalk calculates, including totals, taxes, fees, payroll and profit, are conveniences to be checked by you before you rely on them.

4 Your account and your people

You are responsible for everything that happens under your account, whether or not you authorised it. That includes every action taken by your Users, by anyone you give a device or PIN to, and by anyone who obtains a credential you failed to protect.

• Keep sign in details, device PINs and API keys confidential, and tell us promptly at info@chalkcrm.com if you believe an account has been compromised.
• Remove Users who leave your business. The tools to do so are in Settings, and using them is your job, not ours.
• Set permissions appropriately for each role. Chalk enforces the permissions you configure; it cannot know which of your people should see what.
• Do not share a single login between people, and do not create accounts for anyone under 18.
• You are responsible for your Users' compliance with this agreement, and their acts and omissions are treated as yours.

5 Fees, billing and renewal

Current prices are shown at chalkcrm.com/pricing and inside the app under Settings and Billing. Subscriptions are billed monthly in advance and renew automatically until cancelled. One owner seat is included in the plan price. Extra teammate seats are billed per person per month in addition to the plan.

• Payment method. You authorise us to charge the card or payment method on file for each renewal, for seats you add, and for any other amount you agree to. Keeping a valid method on file is your responsibility.
• Seats. Adding a seat is billed immediately and is not refundable. Removing a seat stops the next charge; the seat stays usable through the period you have already paid for.
• Plan changes. Moving up is charged immediately for the remainder of the period. Moving down applies the credit for unused time against your next invoice.
• Taxes. Prices exclude sales, use, communications and similar taxes. Where we are required to collect them, they are calculated at checkout from your business address and shown separately. Taxes on your own sales to your customers are entirely your responsibility.
• Failed payments. If a payment fails we may retry it and will keep your account working for a short grace period. If it stays unpaid we may suspend the account under section 17.
• Price changes. We may change prices with at least 30 days' notice by email or in the app. The new price applies from your next renewal. If you do not accept it, cancel before that date.
• Disputes and chargebacks. Tell us about a billing problem within 60 days so we can look at it. Initiating a chargeback against a Chalk subscription charge without contacting us first is a breach of this agreement and may result in suspension.
• No offsets. Fees are non-refundable except where this agreement says otherwise or the law requires it, including the refund-by-email rule in section 6. We do not refund unused seats or periods of non-use as a matter of course.

6 Free trial

New accounts start with a 14-day free trial. No card is required to start. After 14 days, a card is required to keep using Chalk. The first paid invoice is after the trial ends, once a card is on file, unless you cancel in one press before then. The trial includes one owner seat. Extra seats are $14 a month after you pick a plan. ChalkBot is included for those 14 days. At the end of the trial the account is locked until a plan is chosen, after a short grace period. Trials are offered per business, not per email address, and we may end or shorten a trial that is being abused.

After the trial, Core does not include ChalkBot. The AI plan does. Live prices are on the pricing page.

If you pay and have a problem, email info@chalkcrm.com. We will refund the subscription charge. That is the exception to the no-refund rule in section 5.

We still add and change features. Some may be labelled beta, and those may be modified or withdrawn without notice. Beta features are provided as is and are excluded from any commitment about availability or fitness.

7 Cancelling and closing

You may cancel at any time from Settings and Billing, in one press, with nobody to call. Cancelling takes effect at the end of the billing period you have already paid for: the account keeps working normally until that date, nothing further is charged, and you may restart the plan before that date. Part periods are not refunded.

You may also close the account entirely. Closing is immediate and permanent: the subscription ends at once with no refund for the remainder of the period, Your Data is deleted, links you sent Your Customers stop working, and any text number assigned to you is released back to the carrier and may be reassigned to someone else.

8 Taking payments from your customers

Chalk is not a bank, a money transmitter, a payment processor or a party to any transaction between you and Your Customers. Card and bank payments are processed by Stripe through a Stripe account that belongs to you, under your agreement with Stripe. Funds are settled by Stripe directly to your account and never pass through ours. Card numbers never touch Chalk.

• You must accept Stripe's terms and satisfy Stripe's verification. Approval is Stripe's decision, not ours, and Stripe may hold, delay or reverse funds under its own rules.
• You are the merchant of record. Refunds, chargebacks, disputes, fraud losses, negative balances and card network fines arising from your transactions are yours.
• Processing fees are charged by Stripe to your account. Chalk takes no percentage of your customers' payments.
• Deposits, cancellation terms, late fees, early payment discounts and payment plans are your commercial decisions. Chalk only carries out the settings you choose.
• You are responsible for issuing receipts, keeping records, and for all sales, use and other taxes on your own sales, including how tax is configured in your account.

9 Texting and email: your legal obligations

Chalk can send text messages and emails to Your Customers, from a number or address associated with your business. You are the sender. In the eyes of the law, the carriers and the recipient, those messages come from your business, and you are solely responsible for them.

You represent, warrant and agree that:

• Consent. You have obtained and can evidence the consent legally required from each recipient before messaging them, of the kind required for the type of message you are sending. Prior express written consent is required for marketing; transactional messages about work you are already doing for someone have different requirements. Knowing which you are sending is your job.
• Opt out. You will honour opt out requests promptly and by any reasonable means, not only the keywords a carrier recognises, and you will not message anyone who has asked you to stop.
• Content. Your messages will be accurate, will identify your business, and will not contain anything prohibited by carriers or law, including messages relating to cannabis, firearms, gambling, high risk lending, adult content, or deceptive claims.
• Timing. You will respect quiet hours and calling time restrictions in the recipient's location.
• Do not call. You are responsible for scrubbing against applicable do-not-call registries where the law requires it.
• Registration. Information you give for carrier registration, including your legal name, EIN or lack of one, address, website and business type, must be true and current. Registrations are filed with carriers and The Campaign Registry on the strength of what you tell us. False information can get your number suspended, your registration rejected, and fees forfeited.
• Fees. Carrier registration, campaign and per message fees are set by the carriers and the registry, and are passed through at cost with no margin added. The one-time registration charge is added to your next invoice rather than taken separately, and includes card processing so that the amount reaching the carriers is the amount they charge. It is only added once the registration has actually been filed, so if the registry refuses to verify your business you are not billed for it at all. Once a campaign has been submitted for carrier compliance review the fee is spent and is not refundable, including where the carriers later reject or suspend the campaign, and each resubmission is charged again by the carriers.
• Email. Emails you send must comply with the CAN-SPAM Act and equivalent laws: accurate headers and subject lines, a working unsubscribe where required, and your physical address where required.
• Lists. You will not upload or message purchased, scraped or rented contact lists.

Chalk gives you tools that make compliance easier, including opt out handling, quiet hours and message logs. Those tools are not a compliance programme, not a legal opinion, and not a defence. Delivery is never guaranteed: carriers filter and block messages at their own discretion, and we are not responsible for messages that are delayed, filtered, blocked or never delivered.

9.1 The messaging programme, for the people receiving it

Everything above is addressed to the businesses that use Chalk. This part is addressed to you, if a business has texted you from a Chalk number, and it is the description of the messaging programme that US carriers require to be published. It is also the page our customers' carrier registrations point at.

• Who is texting you. The business you asked for work from. They use Chalk to send it, but the message is theirs, and replies go to them.
• What you get. Messages about work you have asked that business to do: a quote or estimate ready to view, a reminder before a scheduled visit, an invoice or receipt, and replies to your own messages. No marketing lists, and no messages from anyone else.
• How you got on it. You gave that business your mobile number yourself, when you asked for a quote on their website, over the phone, or in person, and agreed at that point to be texted about the work.
• How often. Message frequency varies, and depends on the work in progress.
• What it costs. Message and data rates may apply. Consent is not a condition of any purchase.
• Stopping. Reply STOP to any message and you are unsubscribed straight away, with no further messages. You can also just ask the business to stop, and they are required to honour that too.
• Help. Reply HELP for contact details, or reply to the message and a person at the business will read it.
• Delivery. Mobile carriers are not liable for delayed or undelivered messages.
• Your information. How it is handled is set out in our privacy policy. We never share the fact that you agreed to be texted with anyone else for any purpose unrelated to that business's messages to you, and we never sell it.

If you are being texted by a business you do not recognise, or after asking them to stop, tell us at support@chalkcrm.com with the number that texted you and we will act on it.

10 Your data, and our part in it

Your Data belongs to you. We claim no ownership of it. You grant us a worldwide, non-exclusive, royalty free licence to host, copy, transmit, display, back up and process Your Data solely to provide and support the Service, to keep it secure, and as this agreement or the law otherwise permits.

Between us, you are the controller of the personal information in your account and we are the processor acting on your instructions. You represent and warrant that:

• You have the legal right to collect Your Customers' information and to put it into Chalk, and to have us process it on your behalf.
• You have given Your Customers whatever privacy notice the law requires, and obtained whatever consent it requires, including for photographs of people or their property, recordings, and location information.
• You will respond to Your Customers' requests about their own information. They are your customers; those requests are yours to answer, and we will help where we reasonably can.
• You will not put into Chalk any information it is not built to hold: payment card numbers, government identification numbers, protected health information, or anything subject to sector rules such as HIPAA, GLBA or PCI DSS beyond ordinary card handling by Stripe. Chalk is not built for that data and we have no obligation to treat it accordingly.

How we handle information, who processes it for us, and how long we keep it are set out in the Privacy Policy. If you require a separate data processing agreement or have obligations under GDPR, UK GDPR or a similar regime, write to us and we will provide our standard terms.

11 Quotes, signatures and the records you create

Chalk lets Your Customers approve quotes and sign them electronically. Whether a particular quote, approval or signature forms a binding contract, and on what terms, is between you and Your Customer. We are not a party to it, we make no representation that any document Chalk produces is legally sufficient for your trade or your state, and we do not verify the identity of anyone who signs.

The terms, warranties, licence numbers, insurance details and disclosures on your quotes and invoices are yours to write and yours to keep lawful. Home improvement contracts in particular are heavily regulated in many states, including mandatory cancellation notices and specific contract language. Chalk's templates are starting points, not compliant contracts.

12 ChalkBot, automations and generated work

ChalkBot and related automations may draft or send texts and emails, answer customers who text in, suggest or make bookings, write or change leads, quotes, jobs, invoices and other records, and generate prices, copy, summaries and recommendations. They operate on the settings you choose, including whether a customer text is left as a draft or sent, whether inbound texts are handled automatically, and whether bookings and office work wait for your approval or run on their own. Anything they create or send goes out in your name, from your numbers and addresses, as your business.

You, not Chalk, are solely responsible for every action ChalkBot takes and every output it produces. That includes messages you never read before they left, bookings you did not personally confirm, quotes and invoices whose numbers or promises you did not check, and any harm that follows. Choosing "send it" or "just do it" is you authorising those acts. Leaving a setting on "draft" or "ask first" and then failing to review what was drafted is also your choice.

• Output can be wrong, incomplete, outdated, invented or inappropriate. Models guess. They do not know your job site, your licences, your prices or the law. Review before you rely on anything, or accept the risk of not reviewing.
• You remain the sender and the author of every message an automation or ChalkBot writes or sends, exactly as if you had typed it, including under section 9 (TCPA, CAN-SPAM, carrier rules and consent).
• You remain the party to every quote, booking, invoice, warranty and contract ChalkBot drafts, sends or records. Templates and generated figures are starting points, not advice and not a guarantee they are lawful or accurate.
• Chalk has no duty to review, approve, delay or stop a ChalkBot action before it runs. We may, but are not obliged to, refuse or limit features that present a risk.
• ChalkBot may pass relevant content (messages, names, job details, prices, your instructions) to third party model providers to generate a response. Those providers are described in the Privacy Policy.
• ChalkBot and automations are not legal, tax, financial, safety or professional advice, and are not a substitute for a licensed person in your trade.
• If you connect an API key, script or other tool to the Service, you are responsible for what that tool does with the same completeness as a User sitting at the keyboard.

13 Acceptable use

You will not, and will not permit anyone else to:

• Use Chalk for anything unlawful, deceptive, harassing or infringing, or in a way that harms anyone.
• Send spam, or message people who have not dealt with your business and have not consented.
• Upload malware, or content you have no right to upload.
• Breach, probe, scan or test the security of the Service, or attempt to access another business's data.
• Reverse engineer, decompile or copy the Service, or use it to build a competing product.
• Resell, sublicence, rent or share access with anyone other than your own Users, or operate a service bureau on it, unless we agree in writing.
• Place unreasonable load on the Service, evade rate limits, or use scrapers or bots against it other than through an API we provide.
• Remove or obscure any notice, or misrepresent your relationship with Chalk.

We may, but are not obliged to, review content and activity, and may remove or restrict anything that in our reasonable judgement breaches this section.

14 Third party services

Chalk depends on services operated by others, including hosting and storage, payment processing, text messaging and voice, email delivery, address lookup and mapping. Your use of them may be subject to their own terms. We choose our providers carefully, but we do not control them, we do not guarantee their performance, and we are not liable for their acts, outages, decisions or failures. Where you connect an optional integration of your own, your relationship with that provider is yours to manage.

15 Ownership and licences

We own the Service and everything in it other than Your Data: the software, design, text, the Chalk name and logo, and all improvements to them. Nothing in this agreement transfers any of that to you. You may use the Service only as this agreement allows.

You may not use our name or logo without permission, except to say factually that your business uses Chalk. If you send us feedback, ideas or suggestions, we may use them freely and without obligation or payment to you.

We may use aggregated and de-identified data derived from use of the Service, which cannot reasonably identify you, your business or Your Customers, to operate, secure, analyse and improve it.

16 Availability, support and changes

We aim to keep Chalk running and quick, and we do not promise uninterrupted service. We do not currently offer a service level agreement, credits for downtime, or guaranteed support response times. Maintenance, provider outages, network problems and events outside our control will sometimes make the Service unavailable.

We may change, add or remove features. We will not make a change that materially reduces core functionality you are paying for without reasonable notice, and if such a change is unacceptable to you, cancelling under section 7 is your remedy.

Support is provided by email at info@chalkcrm.com on business days.

17 Suspension and termination by us

We may suspend or terminate your account, in whole or in part, if:

• Fees are unpaid after the grace period;
• You breach this agreement, in particular sections 9 or 13;
• We are required to by law, by a carrier, or by a provider we depend on;
• Your use presents a security risk, a legal risk, or a risk of harm to others; or
• We stop offering the Service, in which case we will give reasonable notice and a chance to export.

Where circumstances allow we will warn you first and give you a chance to fix the problem. Where they do not, such as an active security or messaging abuse issue, we may act immediately. On termination your right to use the Service ends, and Your Data is deleted after a reasonable opportunity to export it unless we must keep it by law.

18 Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED AND STATUTORY, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE, THAT ANY MESSAGE WILL BE DELIVERED, THAT DEFECTS WILL BE CORRECTED, THAT DATA WILL NOT BE LOST, OR THAT ANY CALCULATION, ESTIMATE OR RECOMMENDATION IT PRODUCES IS ACCURATE OR SUITABLE FOR YOUR PURPOSE. NO ADVICE OR INFORMATION FROM US CREATES ANY WARRANTY NOT STATED HERE.

Some states do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

19 Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST GOODWILL, LOST OR CORRUPTED DATA, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE, ON ANY THEORY OF LIABILITY, EVEN IF ADVISED THAT SUCH DAMAGES WERE POSSIBLE.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL SUBSCRIPTION FEES YOU PAID US IN THE THREE MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS.

These limits do not apply to your obligation to pay fees, to your indemnity under section 20, or to liability that cannot be limited by law. They apply in the aggregate across all claims, and they reflect a deliberate allocation of risk that is part of the price you pay. Some states do not allow certain limitations, so parts of this section may not apply to you.

20 Your indemnity

You will defend, indemnify and hold harmless Chalk, its owner, and its officers, employees, contractors and providers from and against any claim, demand, investigation, proceeding, loss, liability, damage, fine, penalty, cost and expense, including reasonable legal fees, arising out of or relating to:

• Your Data, and your collection, use, storage or disclosure of information about Your Customers or anyone else;
• Text messages, emails, calls or other communications sent from your account, including any claim under the Telephone Consumer Protection Act, CAN-SPAM, state telemarketing or consumer protection law, or any carrier or industry rule;
• Your work, your contracts, your quotes, your invoices, your warranties and your dealings with Your Customers, including any dispute about quality, timing, price, damage or injury;
• ChalkBot, automations, generated text, generated prices, bookings, record changes, auto-send, and any use of the API, including claims that output was wrong, sent without your review, or relied on by you or Your Customers;
• Payments you take, refunds, chargebacks, card surcharges, deposits and taxes;
• Your Users, your employees, your subcontractors, and your employment and payroll obligations;
• Your breach of this agreement or of any law, licence or regulation applicable to your business.

We will notify you of any claim we seek indemnity for and may participate in the defence with our own counsel at our expense. You will not settle any claim in a way that imposes an obligation or admission on us without our written consent.

21 Disputes, law and venue

This agreement is governed by the laws of the State of South Carolina, without regard to conflict of law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Talk to us first. Before starting any formal proceeding, you agree to send a written description of the dispute to info@chalkcrm.com and to give us 30 days to resolve it informally. Most problems end here.

Arbitration. If we cannot resolve it, any dispute arising out of or relating to this agreement or the Service will be settled by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before one arbitrator, seated in Spartanburg County, South Carolina, or conducted remotely by agreement. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

No class actions. Disputes will be brought only in an individual capacity. Neither party may bring a class, collective, consolidated or representative action, and the arbitrator has no authority to hear one. If this waiver is found unenforceable as to a particular claim, that claim is severed and goes to court, while the rest stays in arbitration.

Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in the state or federal courts in South Carolina to protect intellectual property or address unauthorised access. Both parties consent to the jurisdiction of those courts for that purpose.

Any claim must be brought within one year after it arises, or it is permanently barred, to the extent the law allows a shortened period.

22 Changes to this agreement

We may update this agreement. If a change is material we will give notice by email or in the app before it takes effect, normally at least 30 days ahead, and the date at the top will change. Continuing to use Chalk after a change takes effect means you accept it. If you do not accept it, cancel under section 7. We will not apply a material change retroactively to a dispute that already exists.

23 General terms

• Entire agreement. This agreement and the Privacy Policy are the whole agreement between us about the Service and replace anything said before. Any purchase order or standard terms of yours have no effect.
• Severability. If a provision is unenforceable it is limited or removed to the minimum extent necessary and the rest stays in force.
• No waiver. Not enforcing something once does not waive it.
• Assignment. You may not assign this agreement without our written consent, except to a successor of your business that assumes it. We may assign it to an affiliate or in connection with a merger, acquisition or sale of assets.
• No third party beneficiaries. Nobody other than you and us has rights under this agreement.
• Independent parties. Nothing here creates a partnership, joint venture, agency or employment relationship.
• Force majeure. Neither party is liable for a delay or failure caused by events beyond its reasonable control.
• Notices. We may give notice by email to the address on your account or in the app. Notice to us goes to info@chalkcrm.com.
• Electronic dealings. You consent to transact with us electronically and to receive notices, agreements and records electronically.
• Export and sanctions. You represent that you are not located in, or acting on behalf of anyone in, a country or on a list subject to United States sanctions.
• Survival. Sections 8, 9, 10, 13, 15, 18, 19, 20, 21 and 23 survive termination, along with anything else that by its nature should.

24 How to reach us

Chalk · info@chalkcrm.com · Duncan, South Carolina, United States. We answer billing, privacy, security and legal questions at that address.