Last Modified: 04/02/24

Joist Software Inc. (“Company”) requires users of its websites and services, including any individual, or entity, signing up for an account or executing an order form (“Customer”) to accept and adhere to these terms and conditions (the, “Agreement”). This Agreement governs the purchase and use of Company’s services and is accepted by using, accessing or signing up for Company’s services. Company may update this Agreement from time to time and Customer will have 30 days to reject the updated terms by providing written notice to Company. If Customer continues to use or receive the services following such period, the updated Agreement will be deemed accepted.

1. Sign up.

Services will be ordered by Customer by signing up online or through Customer’s respective mobile device app store. Customer’s specific services being ordered (referred to collectively as “Service”) and the associated fees and any additional terms as applicable are selected by Customer during the process to purchase a paid subscription. Upon completion of an app download or online sign up process, Customer’s use of the Service will be subject to all of the terms and conditions herein.

2. Joist Service.

2.1. Rights for Use. Subject to Customer’s timely payment of all applicable fees, Company hereby grants to Customer, during the Term (as defined below), a non-exclusive, non-transferable (except as expressly permitted hereunder), limited right to access and use the Service subject to the terms and conditions herein. Customer shall not transfer or sub-license the license granted herein to any third party and shall not access or use the Services for or on behalf of any third party.

2.2. Accounts; Security. Access to or use of certain portions and features of the Service may require Customer to create an account (“Account”). Customer represents that all information provided by it is current, accurate, complete, and not misleading. Customer further warrants that it will maintain and update all information provided by it to ensure accuracy on a prompt, timely basis. Customer is entirely responsible for maintaining the confidentiality and security of its Account(s), including the password(s). Accounts are not transferrable. Customer agrees to promptly notify Company if Customer becomes aware or suspects any unauthorized use of its accounts, including any unauthorized access or attempted access. Customer is responsible for all activities that occur under its Account(s). Further, Customer is the primary account holder and is responsible for all charges made by additional users added to the Account(s).

2.2.1. Trial. Company may initially offer certain features and functionality of the Service on a limited or restricted trial basis (a “Trial”) for a period of time determined by Company (the “Trial Period”), which company may provide to Customer without requiring the payment of Fees (as defined below) during such Trial Period. Customer may subscribe to the Service at any time, at which time (i) the Trial Period shall expire and Customer’s applicable paid subscription shall begin, and (ii) Customer shall be charged the Fees as set forth herein for the applicable paid subscription. In the event Customer does not subscribe to the Service prior to the expiration of the Trial Period by selecting a paid subscription and providing its payment information, Customer’s Account will automatically expire, without notice, as of the expiration of the Trial Period, Customer will no longer be able to access its Account or the Service, and Company may delete Customer’s Account and Customer Content (as defined below). Customer acknowledges and agrees that (i) the Trial may be subject to additional terms and conditions and (ii) its use of the Service during any Trial shall be subject to the terms and conditions of this Agreement, including, without limitation, Customer’s obligation to setup an Account in order to access the Service during the Trial Period. Customer acknowledges and agrees that subscriptions which may have been offered on a free basis from time to time shall be deemed Trials and subject to the terms set forth herein.

2.3. Restrictions on Use. In accessing or using the Service, Customer will not: (a) resell, lease, encumber, sublicense, distribute, publish, transmit, transfer, assign or provide such access or use to any third party in any medium whatsoever; (b) devise specifications from, reverse engineer, reverse compile,

disassemble, or create derivative works based on the Service; (c) apply systems to extract or modify information in the Service using technology or method such as those commonly referred to as “web scraping,” “data scraping,” or “screen scraping”; (d) knowingly input or post through or to the Service any content that is illegal, threatening, harmful, lewd, offensive, or defamatory or that infringes the intellectual property rights, privacy rights or rights of publicity of others, (e) store data on the Service that is regulated by the HIPAA Privacy Rules or the PCI Data Standards (f) input or transmit through or to the Service any virus, worm, Trojan Horse, or other mechanism that could damage or impair the operation of the Service or grant unauthorized access thereto; (g) use or access the Service for purposes of monitoring the availability, performance or functionality of the Service or for any other benchmarking or competitive purposes; or (h) cause, assist, allow or permit any third party (including an end-user) to do any of the foregoing; (i) use the Service to compete with Company in any way; or (j) permit any third party to use or access the Service other than Company’s direct employees, contractors, or agents who are acting on Company’s behalf.

2.4. Maintenance. Customer agrees that Company may install software updates, error corrections, and software upgrades to the Service as Company deems necessary from time to time. All such updates, error corrections and upgrades will be considered part of the Service for purposes of this Agreement.

2.5. Applicable Laws. Customer’s access to and use of the Service is subject to all applicable international, federal, state and local laws and regulations. Customer may not use the Service or any information data or Customer Content in violation of or to violate any law, rule or regulation. Ensuring Customer’s use of the Service is compliant with applicable laws is the responsibility of Customer and obtaining all required authorizations (including establishing all required terms and conditions) for payments processed via the Service.

2.6. Suspension of Service. Company has the right to immediately suspend the Service (a) in order to prevent damage to or degradation of the Service or unauthorized or non-compliant use or (b) for operational reasons such as repair, maintenance, or improvement or because of any emergency, or (c) if, following notice from Company, Customer has failed to pay any amounts due and owing. In the case of (a) or (b) Company will give Customer prior notice if reasonable and will ensure that the Service is restored as soon as possible after the event given rise to suspension has been resolved to Company’s reasonable satisfaction.

3. Joist Rewards.

3.1. PayPal Hyperwallet. During the term of this Agreement, while Customer is actively subscribed to the Service, Customer may participate in the Joist Rewards program. Participation in the Joist Rewards program requires a PayPal Business Account to receive rebates. Rebates are distributed by Company and its affiliates to Customer’s PayPal Business Account. Joist Rewards uses PayPal’s Hyperwallet service to distribute rebates. PayPal’s Hyperwallet services are provided subject to the Hyperwallet Terms and Conditions ( and the Hyperwallet Privacy Policy ( Customer’s enrollment in Joist Rewards constitutes Customer’s acceptance of the Hyperwallet Terms and Conditions and Hyperwallet Privacy Policy, Customer’s consent to receive payments from Company via PayPal’s Hyperwallet Services and to be contacted by PayPal via email or text message.

3.2. Minimum Rebate.

Minimum Rebate.  Customer must earn a minimum rebate of $5.00 per rebate period and be actively subscribed to the Service in good standing during the applicable rebate period to receive a distribution for that period. If the earned rebate is less than $5.00 for a rebate period, the amount for the earned rebate will be rolled forward to the next rebate period until the $5.00 minimum is met and the rebate is distributed. If Customer terminates its Joist subscription, any rebate earned during the last rebate period prior to the date of Customer’s termination that meets the minimum threshold of $5.00 will be distributed in accordance with the normal rebate period schedule; if the rebate earned during the last rebate period prior to Customer’s termination period does not meet the minimum threshold of $5.00, Customer forfeits its final rebate.

3.3. Partner Accounts. Participation in the Joist Rewards program may require a business account or other enrollment with applicable Joist Rewards third-party partners (each, a “Partner”) subject to such Partners’ separate terms and conditions. Customer’s participation in the Joist Rewards program and request to receive rebates from Joist Rewards Partners via the Joist Rewards program constitute Customer’s instruction to and consent for Company and Partner’s with whom Customer is enrolled, to share and exchange information about Customer. Information processed by Partners is subject to their respective terms and privacy policies. Customer is responsible for ensuring that Customer’s account information with Partner is current, accurate, and complete. Customer consents to the use of its Company account information and any Partner account information to associate its Company and Partner accounts to receive rebates.

4. Payment Processing Services.

Customer has the option to accept payments through the Service (the “Payment Processing Services”), subject to Customer’s eligibility to enroll in the Payment Processing Services. The terms and conditions of this Section apply to Customer only if Customer enrolls in the Payment Processing Services. The Payment Processing Services are provided by a third-party payment processor as a third-party offering (each a “Third-Party Payment Processor”). Customer’s use of the Payment Processing Services will be subject to a separate payment processing agreement solely between Customer and the Third-Party Payment Processor. Customer agrees that Customer and its affiliates will comply with the terms and conditions of any applicable payment processing agreements, privacy policies, and any other related documentation provided by or on behalf of the Third-Party Payment Processor, and any applicable card network rules, policies, laws, and regulations at all times while using such Payment Processing Services. By enrolling in the Payment Processing Services, Customer agrees to the applicable Third-Party Payment Processor’s payment processing agreement, privacy policy, and any other related terms and conditions, including fees charged to the Customer by Third-Party Payment Processors for the Payment Processing Services. Company is not liable for the acts or omissions of any third party, including any Third-Party Payment Processor.

4.1. Payment Processing Fees. In addition to any fees Customer agrees to pay to a Third-Party Payment Processor, Customer will also pay fees to the Company for the Payment Processing Services. Fees for the Payment Processing Services are subject to change at the Company’s discretion. The standard fees for the Payment Processing Services are posted at, (the “Posted Fees”). If Customer’s fees for the Payment Processing Services are subject to an alternative arrangement to the Posted Fees, Company will provide Customer with such fee arrangement in writing.

4.2. PaySimple Inc. PaySimple, Inc. (“PaySimple”) is a Third-Party Payment Processor and an affiliate of Company. In order for Customer to use PaySimple’s payment processing services, Customer must register with such Payment Service Provider as a merchant via Company’s Underwriting Application. The Terms of Service for the application process are available at: By completing an application and integrating payment processing services, Customer accepts the terms of such Third-Party Payment Processor’s terms of service and privacy policy. Questions regarding the Third Party Payment Processor’s terms of service and privacy policy must be directed to the Third Party Payment Processor directly.

4.3. WePay. WePay, Inc. (“WePay”) is a Third-Party Payment Processor. In order for Customer to use WePay as its Third-Party Payment Processor, Customer must register with WePay as a merchant subject to WePay’s Terms of Service (United States Terms of Service:; Canada Terms of Service: and Privacy Policy (https://go.wepay.comprivacy-policy-us). Questions regarding the WePay Terms of Service or WePay Privacy Policy can be addressed at or Canadian

merchants with complaints related to The Code of Conduct for Credit and Debit Card Industry in Canada should contact WePay at the contact information provided in the Information Summary Box of the WePay Canada Terms of Service. Transactions rates for WePay are 3.5% and .30 cents for credit cards and 1.5% up to a maximum of $15.00 for eChecks.

5. Homeowner Financing.

Company does not provide financing but may partner with a third party, such as Stripe, Inc. or Acorn Finance, through which Customer may access financing offers for Customer’s clients (“Homeowners”). Customer acknowledges and agrees that such financing is provided solely by the third party providing the financing. Company is not liable for the acts or omissions of any third party providing financing to Homeowners.

5.1. Acorn Finance. Customer may access financing for Homeowners through Acorn Finance (“Acorn”), a third-party lender marketplace. The Acorn Dealer Agreement, Terms of Use and Privacy Policy are available at: (collectively, the “Acorn Terms”). In order to use Acorn’s financing platform, Customer must turn on the financing option in Customer’s Joist dashboard. Turning “On” the financing option in the Joist dashboard constitutes Customer’s acceptance of the Acorn Terms. Questions regarding the Acorn Terms must be directed to Acorn at [email protected].

6. Third Party Services.

Except as expressly permitted in this Agreement or as otherwise agreed by Company in writing, Customer is prohibited from linking to the Service, framing of all or any portion of the Service, and extracting data from the Service. Company reserves the right to disable any unauthorized links or frames. Company will not be responsible and expressly disclaims any liability for any third party services that Customer may use or connect to through the Service, whether or not authorized by Company. If Customer activates any APIs or links to enable data sharing through the Service or directs Company to do so on its behalf, Customer thereby authorizes Company to send and receive Customer Content with any such activated third-party service and represents and warrants to Company that Customer has all appropriate right and title to grant such authorization. Customer will be solely responsible for any third-party fees related to the third-party services and compliance with any applicable third-party service terms.

7. Data Licenses.

7.1. Customer Content. As between Company and Customer, all title and intellectual property rights in and to all electronic data or information submitted to and stored in the Service that is owned by Customer (“Customer Content”) are owned by Customer. Customer acknowledges and agrees that in connection with the provision of the Services, Company may store and maintain Customer Content for a period of time consistent with Company’s standard business processes for the Service. Following expiration or termination of the Agreement or a Customer account, if applicable, Company may deactivate the applicable Customer account(s) and delete any data therein. Customer grants Company the right to host, use, process, display and transmit Customer Content to provide the Services pursuant to and in accordance with this Agreement. Customer has sole responsibility for the accuracy, quality, integrity, legality, reliability, and appropriateness of Customer Content, and for obtaining all rights related to Customer Content required by Company to perform the Services.

7.2. Aggregated Data. Customer agrees that, subject to Company’s confidentiality obligations in this Agreement, Company may (a) capture data regarding the use of the Service by Customer, (b) collect metrics and data included in the Customer Content, and (c) aggregate and analyze any metrics and data collected pursuant to subsections (a) and/or (b) of this sentence (collectively, the “Aggregated Data”). Customer agrees that Company may use, reproduce, distribute and prepare derivative works from the Customer Content, solely as incorporated into Aggregated Data, provided that under no circumstances will Company use the Aggregated Data in a way that identifies Customer or its users as the source of the data.

8. Intellectual Property.

8.1. Proprietary Rights. Company’s intellectual property, including without limitation the Service, its trademarks and copyrights and excluding any Customer Content contained therein, and any modification thereof, are and will remain the exclusive property of Company and its licensors. No licenses or rights are granted to Customer except for the limited rights expressly granted in this Agreement.

8.2. Feedback. Customer agrees that advice, feedback, criticism, or comments provided to Company related to the Service are given to Company and may be used by Company freely and without restriction and will not enable Customer to claim any interest, ownership or royalty in Company’s intellectual property.

9. Payment and Taxes.

9.1. Payment. Fees are determined as part of the process during which Customer selects its subscription (“Fees”). Fees will be charged in Customer’s local currency through the Service or respective app store and are non-refundable. Company, upon notice to Customer, will have the right to change Fees effective any time, which right will include without limitation the right to charge a Fee for new features or functions of the Service or for features or functions that have previously been offered at no charge.

9.2. Automatic Payment Terms. Customer authorizes Company to charge the credit card information provided, or debit the bank account information provided, as applicable, beginning as of the first day of Customer’s applicable paid subscription and monthly thereafter, for all applicable fees due as defined in the Agreement. Customer understands that this authorization will remain in effect until it is canceled in writing and agrees to notify Company in writing of any changes in Customer’s account information or termination of this authorization at least 15 days prior to the next billing date. If the payment date falls on a weekend or holiday, Customer understands that payments may be executed on the next business day. For ACH debits to a checking/savings account, Customer understands that because these are electronic transactions, these funds may be withdrawn from Customer’s account as of the payment date, and that it will have limited time to report and dispute errors. In the case the ACH transaction is returned for Non Sufficient Funds (“NSF”) Customer understands that Company may at its discretion attempt to process the charge again within 30 days, and agrees to an additional charge for each attempt returned NSF, which will be initiated as a separate transaction from the authorized payment. Customer has certified that the business bank account information provided is enabled for ACH transactions, and agrees to reimburse Company for all penalties and fees incurred as a result of Customer’s bank rejecting ACH debits or credits as a result of the account not being properly configured for ACH transactions. Both parties agree to be bound by NACHA Operating Rules as they pertain to these transactions. Customer acknowledges that the origination of ACH transactions to its account must comply with the provisions of U.S. law. Customer agrees not to dispute these scheduled transactions with its bank or credit card company provided the transactions correspond to the terms indicated in this Agreement.

9.3. Taxes. Company Fees do not include any local, state, federal or foreign taxes, levies or duties of any nature including value-added, sales, use or withholding taxes (“Taxes”). Customer is responsible for paying all Taxes for which Customer is responsible under this Section. Company may invoice taxes to Customer and Customer will pay such taxes unless Customer provides Company with a valid tax exemption certificate authorized by the appropriate taxing authority.

10. Term and Termination.

10.1. Term. This Agreement will be effective as of the date Customer signs up to use the Services online or through Customer’s respective mobile device app store (“Effective Date”) and remain in effect until (a) all subscriptions have expired or been terminated or (b) terminated by either party as permitted by this Agreement. Customer will select a monthly or annual subscription term during the purchase of a paid subscription. Customer’s paid subscription will automatically renew for successive periods equal to the initial term, unless cancelled by either party in accordance with this Agreement.

10.2. Termination. Customer may cancel its paid subscription at any time through the Service, for Android devices through the Google Play store, for iOS devices through Customer’s Apple ID in device settings, and for web application customers through Customer’s account in the web application under Joist Pro. For the avoidance of doubt the terms of this Agreement will continue to apply to Customer’s use of the Services even if Customer uses only non-paid features and functionality, if offered by Company. Company may terminate this agreement at any time, effective immediately, for Customer’s breach of these terms including non-payment of fees. Either party may terminate this Agreement without notice if the other party becomes insolvent, makes or has made an assignment for the benefit of creditors, is the subject of proceedings in voluntary or involuntary bankruptcy instituted on behalf of or against such party (except for involuntary bankruptcies which are dismissed within 60 days), or has a receiver or trustee appointed for substantially all of its property.

10.3. Effects of Termination. Upon the expiration or termination of this Agreement for any reason, (a) Customer will immediately cease using the Service, (b) upon request, each party will return or destroy all Confidential Information of the other party, provided, that each party may retain one copy of the Confidential Information of the other party as necessary to comply with applicable law or its records retention or archival policies or practices (and such retained Confidential Information will remain subject the non-disclosure obligations in this Agreement) and (c) any unpaid, undisputed amounts due through termination will become immediately due and payable.

10.4. Survival. Any provisions of this Agreement that expressly, or by implication, are intended to survive its termination or expiration will survive and continue to bind the parties, including without limitation provisions relating to confidentiality, representations and warranties, indemnification, limitations on liability, intellectual property, and Customer’s payment obligations under this Agreement.

11. Confidential Information.

11.1. Confidential Information. “Confidential Information” means any information disclosed by one party to the other whether orally or in writing that is designated as confidential or that reasonably should be understood by the receiving party to be confidential, notwithstanding the failure of the disclosing party to designate it as such. Confidential Information may include information that is proprietary to a third party and is disclosed by one party to another pursuant to this Agreement. The Service, all features and functions thereof and related pricing and product plans will be the Confidential Information of Company.

11.2. Non-Disclosure. Each party agrees to maintain the confidentiality of the other party’s Confidential Information with the same security and measures it uses to protect its own Confidential Information of a similar nature (but in no event less than reasonable security and measures) and not to use such Confidential Information except as necessary to perform its obligations or exercise its rights under this Agreement. The receiving party may disclose Confidential Information of the disclosing party to those employees, officers, directors, agents, affiliates, consultants, users, and suppliers who need to know such Confidential Information for the purpose of carrying out the activities contemplated by this Agreement and who have agreed to confidentiality provisions that are no less restrictive than the requirements herein. Such party will be responsible for any improper use or disclosure of the disclosing party’s Confidential Information by any such parties. Except as expressly permitted by this Section, the receiving party will not disclose or facilitate the disclosure of Confidential Information of the disclosing party to any third party. The restrictions in this Section shall continue until such time as the information is covered by an exclusion set forth below.

11.3. Exclusions. The receiving party will have no obligation under this Section with respect to information provided by the disclosing party that: (a) is or becomes generally available to the public other than as a result of a breach of this Agreement by the receiving party, (b) is or becomes available to the receiving party from a source other than the disclosing party, provided that such source is not known to the receiving party to be bound by an obligation of confidentiality to the disclosing party with respect to such

information, (c) was in the receiving party’s possession prior to disclosure by the disclosing party, or (d) is independently developed by the receiving party without reference to the Confidential Information. Further either party may disclose Confidential Information (i) as required by any court or other administrative or governmental body or as otherwise required by law, or (ii) as necessary for the enforcement of this Agreement or its rights hereunder.



14. Indemnification. Customer agrees to defend and indemnify Company and its affiliates from and against any legal action, demand, suit, or proceeding brought against Company or its affiliates by a third party arising out of or related to the Customer Content or Customer’s use of the Service.

15. Publicity. Customer hereby consents to Company identifying Customer as a customer by name and logo in Company’s promotional materials, subject to Customer’s right to revoke such consent in writing at any time. Upon such revocation, Company will have 30 days to process Customer’s request.

16. Assignment. Customer may not assign or transfer this Agreement or any of its rights or obligations hereunder in whole or in part without the prior written consent of Company. Subject to the foregoing, this Agreement will inure to the benefit of, be binding upon, and be enforceable against, each of the parties hereto and their respective successors and assigns.

17. Notices. Any notice required under this Agreement will be provided to the other party in writing. If Customer wishes to provide notice to Company, Customer will send notice via email to: [email protected]. Company will send notices to one or more contact(s) on file for Customer. Notices from Company, other than for a breach of this Agreement may be provided within the Service.

18. Attorney’s Fees. In the event any proceeding or lawsuit is brought in connection with this Agreement, the prevailing party in such proceeding will be entitled to receive its reasonable costs, expert witness and attorneys’ fees.

19. Relationship of the Parties. This Agreement does not create any joint venture, partnership, agency, or employment relationship between the parties.

20. No Third Party Beneficiaries. This Agreement is being entered into for the sole benefit of the parties hereto, and nothing herein, express or implied, is intended to or will confer upon any other person or entity any legal or equitable right, benefit or remedy of any nature whatsoever.

21. Equitable Remedies. Each party acknowledges and agrees that (a) a breach or threatened breach by such party may give rise to irreparable harm to the other party for which monetary damages may not be an adequate remedy; and (b) if a breach or threatened breach by such party occurs, the other party will in addition to any and all other rights and remedies that may be available to such other party at law, at equity or otherwise in respect of such breach, be entitled to seek equitable relief that may be available from a court of competent jurisdiction, without any requirement to post a bond or other security.

22. Force Majeure. Neither party will be liable under this Agreement for any failure or delay in the performance of its obligations (except for the payment of money) on account of strikes, shortages, riots, insurrections, fires, flood, storm, explosions, acts of God, war, governmental action, labor conditions, earthquakes, material shortages, or any other cause that is beyond the reasonable control of such party.

23. Limitation of Claims. No legal proceedings, regardless of form, arising under or relating to this Agreement may be brought by Customer more than six months after it first have actual knowledge of the facts giving rise to the cause of action.

24. Governing Law, Jurisdiction and Venue. This Agreement will be governed by and construed in all respects in accordance with the laws of the Province of Ontario, Canada without regard to its conflicts of laws principles. Each party hereby consents to the exclusive venue and jurisdiction of the courts of the Province of Ontario. THE PARTIES FURTHER AGREE, TO THE EXTENT PERMITTED BY APPLICABLE LAW, TO WAIVE ANY RIGHT TO TRIAL BY JURY WITH RESPECT TO ANY CLAIM, COUNTERCLAIM OR ACTION ARISING FROM THE TERMS OF THIS AGREEMENT.

25. Severability, Waiver and Amendment. If any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable or invalid, such provision will be changed and interpreted as to best accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions will remain in full force and effect. No waiver of any term or right in this Agreement will be effective unless made in writing and signed by an authorized representative of the waiving party. Any waiver or failure to enforce any provision of this Agreement will not be deemed a waiver of future enforcement of that or any other provision. Except to the extent otherwise expressly provided in this Agreement, this Agreement may only be amended in writing signed by both parties hereto.

26. Counterparts, Entire Agreement and Order of Precedence. This Agreement may be acknowledged electronically online or through a mobile device or app store. This Agreement, together with any states the entire agreement of the parties regarding the subject matter of this Agreement, and supersedes all prior proposals, agreements or other communications between the parties, oral or written, regarding such subject matter. Any preprinted terms on any purchase order are hereby expressly rejected by Company and will be of no force or effect.