Payment terms

1. What these terms cover

These terms apply to billing and payment for everything we sell or provide, including but not limited to services, subscriptions, licenses, hardware, software, and project work. They become part of an order when the order tells you it is subject to these terms, identifies the version (by version number and effective date, or by reference to the version published at https://itofus.com/terms-payment on the order date), and gives you a copy or link before you accept.

If you are a consumer, meaning an individual buying for personal, family, or household purposes, the consumer provisions in these terms apply to you, and any consumer right that cannot be waived by law controls over anything written here.

2. How to pay us

2.1 Payment methods

Customers may pay by check, customer-initiated bank transfer (ACH or wire), card, Zelle (if listed on your invoice), or cash (in person only). We never initiate recurring debits from anyone's bank account; bank payments are always initiated by you. Wire and transfer fees are your responsibility, so we receive the full invoice amount.

Mail checks to: IT of United States, LLC, PO Box 140515, Coral Gables, Florida 33114, USA. Do not mail cash. Zelle is for one-time payments only: send to the Zelle address stated on the invoice and include the invoice number in the payment memo.

We have received a payment when its funds clear; §3 decides whether a payment is on time. We may refuse, hold, or return a payment when sanctions, anti-money-laundering, or similar legal requirements oblige us to do so, without liability and without waiving amounts due.

2.2 Card on file

If you keep a card on file, you authorize us to charge it for amounts due under your order and these terms, up to $10,000 per transaction and per day, unless we agree otherwise in writing. Amounts above that limit are paid by check or bank transfer. We may start a charge up to three (3) business days before the due date so it settles on time; an early charge counts as paid on the due date. If a charge is declined, we will let you know, and you will remain responsible for paying by another method or by providing an updated card. If we fail to charge a valid card on file when an amount is due, no late fee or finance charge accrues for the period of our delay. You may revoke card-on-file authorization with ten (10) days' written notice to billing@itofus.com; revocation is prospective and does not erase amounts already due. Unless we approve credit terms for your account in writing, keeping a valid card on file is a condition of service. If two or more chargebacks within any twelve (12) months are not resolved in your favor, we may stop accepting card payments on the account and require prepayment or a bank transfer. When your order ends and no undisputed amount remains due, we delete the card on file within thirty (30) days.

2.3 Card on file: consumers

If you are a consumer, §2.2 applies differently. A card on file is never a condition of service, and we hold no standing authorization to charge it. We charge a stored card only for a specific transaction you authorize at the time, after telling you the amount and the date of that charge, and your authorization covers that charge alone. Silence is never authorization. You give the authorization in writing, by email or through the payment link we send you, and we keep a record of it. When your order ends and no undisputed amount remains due, we delete the stored card as §2.2 provides.

3. When payment is due

Invoices are due on the stated due date. An emailed invoice is considered received on the next business day after it is sent, unless we receive an automated bounce-back or delivery-failure notification, in which case it is not received and we re-send it by another method or to a corrected address. If an invoice does not state a due date, payment is due thirty (30) days after you receive it. One-time work is invoiced upon completion, goods upon delivery, and deposits upon acceptance of the order; each invoice states its due date. Billing frequency and model (advance, arrears, milestones, prepaid blocks) are as stated in your order. Deposits are applied to the order's final invoice; if the order is canceled, we refund the unused balance within thirty (30) days. We may correct under-billed amounts up to twelve (12) months back; a corrective invoice carries its own dispute window and at least thirty (30) days to pay.

Whether a payment is on time depends on its payment date. A payment is on time when its payment date is on or before the due date, and the payment is honored. A payment that is returned or reversed does not count (§4.5). Every honored payment counts as paid on its payment date for the grace period and all fees, even if the funds clear later.

Card charges. The payment date is the day the card issuer approves the charge. An early charge under §2.2 counts as paid on the due date. Where you authorize a specific charge under §2.3, the payment date is the day the issuer approves it, as long as we submit the charge within five (5) business days after the charge date we disclosed to you. If we submit it later, the payment date is the day you authorized the charge.

Bank transfers, checks, and Zelle. The payment date is the day we receive the payment.

Proof of payment for bank transfers and checks. One exception works in your favor. The payment date becomes the day you sent the transfer or mailed the check, if you do both of the following: by the due date, you email billing@itofus.com the invoice number and your proof of payment (the transfer confirmation number, or the check number); and we then receive the transfer within three (3) business days after the due date, or the check within seven (7) days after the due date.

"Published rates" means the rates published at https://itofus.com/price at the time a charge is incurred; when these terms refer to our then-current rates, they mean the published rates. If no rate is published for an item, we charge our documented actual cost without markup and provide supporting details upon request.

4. If payment is late

4.1 Grace period

You have fifteen (15) days after the due date, or a longer period where applicable law requires one for your transaction. Pay in full within it, and no late fee applies, and accrued finance charges are waived.

4.2 Limit on courtesy waivers

The waiver described in §4.1 is a courtesy for occasional lateness, not an extension of your payment terms, and we apply it to no more than two (2) invoices on your account in any rolling twelve (12) months, counted by the due dates of the invoices to which the waiver applied. Beyond that, the late fee and finance charges below apply from the due date even if you pay within the grace period. This limit applies only to the courtesy waiver. It never shortens a grace, cure, or notice period that applicable law requires before a late fee, delinquency charge, or finance charge may be assessed; where the law requires such a period, it applies in full to every affected invoice, without limit.

4.3 Late fee

After the grace period, a one-time late fee applies equal to the least of 5% of the amount still unpaid when the grace period ends, $500, or the maximum allowed by applicable law. For consumers, the late fee will not exceed the least of 5% of that amount, $50, or the maximum allowed by applicable law. It is assessed once per invoice, does not recur, and does not itself accrue interest. It covers our administrative and collection burden, including staff time, collection notices, and payment-processing costs, which are difficult to calculate precisely for any single invoice; the parties agree it is a reasonable pre-estimate of those costs and is not intended as a penalty. If a court determines that this late fee operates as an unenforceable penalty, it is reduced to the greatest amount enforceable under the law that the court applies rather than disallowed in full. We may waive a late fee as a courtesy without waiving our right to assess one on any other invoice.

4.4 Finance charges

Interest accrues on undisputed past-due principal from the due date at 1.5% per month (18% per year) simple interest or the legal maximum, whichever is less, computed daily, never compounded, and never on fees or taxes. If any other charge is treated as interest under applicable law, the rate is reduced so that the combined total never exceeds the legal maximum, and any amount collected above the legal maximum is credited or refunded. This interest-savings provision controls over any conflicting term and is applied separately under the usury and interest laws of each jurisdiction whose law applies to the account, so that no combined charge ever exceeds the maximum lawful rate in that jurisdiction.

4.5 Returned payments

A payment that is returned, reversed, or lost to a chargeback is reinstated as unpaid from its original due date and may carry a fee equal to what our bank or processor charges us plus $35, and in no event more than the maximum permitted by applicable law for that payment type and transaction. This fee does not limit any statutory service charge, damages, bank fees, attorneys' fees, or costs available to us under applicable law. We apply payments first to the oldest undisputed principal, then to finance charges, and then to fees, unless the law requires otherwise.

5. Billing questions and disputes

To question or dispute an invoice, email billing@itofus.com within thirty (30) days of receiving it, with reasonable detail. After that window, the invoice is treated as accepted for billing purposes only; this does not shorten the time the law gives you to bring a claim, and obvious errors, duplicates, tax mistakes, and fraud can be raised at any time. If you intend to dispute a card charge with your financial institution, you are welcome, but not required, to contact billing@itofus.com first; many billing issues are resolved faster through this channel. Contacting us first is entirely voluntary, is not a precondition to initiating or pursuing a chargeback, and does not waive, limit, shorten, or delay any chargeback or billing-error right or deadline the law gives you, including under the Fair Credit Billing Act and Regulation Z.

Pay undisputed amounts on time. Amounts disputed in good faith will not incur any late fee or finance charge while we review, and we will provide a resolution or status update within fifteen (15) business days. Upon request, while a dispute is open, we will provide time entries, usage records, or receipts to support the amount. If the dispute is resolved in your favor, we will credit or refund within thirty (30) days. If the amount is owed, it is due ten (10) days after we notify you. If you pay within those ten (10) days, no late fee or finance charge applies to it. If you do not, the late fee applies and finance charges run from that new due date; the grace period in §4.1 does not apply to that amount.

A payment or instrument tendered as full or final satisfaction of a disputed amount, together with any communication accompanying it, must be mailed to a designated place: IT of United States, LLC, Attn: Billing Disputes, PO Box 140515, Coral Gables, Florida 33114, USA, and the instrument and its envelope must both be marked "Billing Disputes, full satisfaction tender." This provision is a conspicuous statement, given to you in advance and within a reasonable time before any such tender, that all communications and instruments concerning a disputed debt must be sent to that designated person, office, and place. That address is the designated place under section 673.3111(3), Florida Statutes (which enacts Uniform Commercial Code section 3-311), under O.C.G.A. section 11-3-311 in Georgia, and under their counterparts in other states. A tender of full satisfaction sent to any other person, office, or address, or by any other means, including email, is not sent to the designated place, and no accord and satisfaction is effected by a tender that fails to reach that designated place.

6. Subscriptions, renewals, and cancellations

6.1 Term, renewal, and cancellation

A subscription runs and renews as stated in the order. If the order is silent, either party may decline renewal with written notice at least thirty (30) days before the renewal date, except that a monthly subscription (a term of one month or less) can be canceled at any time, effective at the end of the billing period in which we receive the cancellation, with no advance notice required. Send cancellations to billing@itofus.com or via the same channel you used to place your order; we confirm every cancellation in writing. Renewal pricing is the then-current price for the item, and pass-through vendor prices change when the vendor's price to us changes.

6.2 Committed items

If the order told you before you accepted that an item is committed for a term, non-cancellable, or carries an early-termination charge, you owe it for the full term. Where the order states an early-termination charge, that charge applies instead. A commitment we did not identify before you accepted does not bind you.

Your order may mark an item with a term code:

An item with a term code is committed for its full term from its start date. At the end of the term, it renews for one (1) year at a time unless either party declines renewal under §6.1. Term codes and the year-by-year renewal they carry do not apply to consumers.

A "vendor item" is a product, subscription, or license we obtain from a third party for you. A "committed vendor item" is a vendor item with a term code or another commitment identified before you accepted. If you end a committed vendor item early, you owe what we remain obligated to pay the vendor for the remainder, and no more than that for the vendor item.

A billing dispute does not pause a committed item. While a dispute about a committed vendor item is open, you continue to pay the amount we remain obligated to pay the vendor for it, and the dispute covers only the difference; that vendor amount is an undisputed amount under §5 and §7 unless the dispute is that the item was never ordered.

6.3 Consumers

We do not sell subscriptions to consumers. A consumer purchase is a one-time purchase or a license for a fixed term, and it never renews automatically. The license ends when its term ends. Nothing continues and no charge is made after the term unless you accept and pay a new order. If you keep a card on file, we do not charge it for a renewal or any other new amount without your authorization for that specific charge (§2.3).

You may cancel a consumer fixed-term license at any time by writing to billing@itofus.com, and we confirm every cancellation in writing. We refund the price of the whole months remaining after the cancellation takes effect, less any amount we remain obligated to pay a vendor for that period, within thirty (30) days. A one-time purchase is not refundable once the work is complete or the goods are delivered. Nothing in this paragraph limits a cancellation or refund right that applicable law gives you.

7. Suspension for nonpayment

If an undisputed amount is unpaid twenty (20) days after its due date, or twenty (20) days after the new due date §5 sets for an amount resolved as owed, we may suspend services, but only after written notice sent at least five (5) business days before the earliest suspension date, or at least ten (10) business days for services your order designates as security-critical. If an order does not say which services are security-critical, any service whose primary purpose is to detect, prevent, or respond to unauthorized access, compromise, or malicious activity affecting your systems, accounts, or data is treated as security-critical under these terms. The grace period in §4.1 delays fees, not suspension.

Suspension is not termination. Committed recurring charges continue to accrue, and your data is not deleted (§8). During a properly noticed suspension, we do not perform the suspended services, including monitoring and incident response, and, subject to §11.5, we are not liable for what happens during the suspension. We will not disable security controls you own or block your move to another provider as a collection tactic. If a good-faith dispute raised after suspension covers the entire unpaid amount that caused it, we restore the affected services within three (3) business days while we review, where restoration is within our control; a step that depends on a vendor or on you is completed as soon as that party allows.

Reinstatement requires payment in full plus a $175 reactivation charge, or the maximum permitted by applicable law if that is lower, plus labor at our then-current rates (§3) for any technical work reinstatement needs. If the suspension was our error, reinstatement is immediate and free. If undisputed amounts remain unpaid thirty (30) days after suspension begins, or fifty (50) days after the due date if we never suspended, we may terminate the affected services on written notice, effective no earlier than five (5) business days after we send it or, for services designated security-critical, ten (10) business days.

8. Your data if the account goes unpaid

We retain the data associated with the affected services in systems under our control for at least ninety (90) days after the unpaid amount's due date, or after the new due date §5 sets for an amount resolved as owed, whichever is later. After that, we may delete that data, but only if the affected services were suspended or terminated under §7, and only after a final written warning, which identifies the scheduled deletion date and the undisputed past-due amount whose payment will stop the deletion, sent at least ten (10) business days before deletion, by email and, where §10.2 requires it, also by certified mail or tracked courier. If the warning email bounces, we send the warning by certified mail or tracked courier and wait ten (10) business days from the date of sending before any deletion. Paying the undisputed past-due amounts before deletion stops it.

A good-faith dispute under §5, a legal hold, or a retention obligation pauses the deletion clock. Where a pause under this section requires us to keep storing data past the ninety (90) days, we may charge our then-current preservation rates (§3) or, where none is published, our documented actual cost without markup; where the pause is a billing dispute, only if the dispute resolves as owed. We do not charge preservation costs for a legal hold or retention obligation imposed on us independently of your account, order, or matter.

Obligations covering regulated data always control over this section. We never delete information subject to a legal, regulatory, or contractual retention duty, and any deletion we perform follows the sanitization standard required by the applicable contract or regulation or, if none applies, NIST SP 800-88 Revision 1 guidance. Data held in third-party subscriptions follows the vendor's own retention and deletion schedule, which we do not control; export your data before a subscription ends.

9. Taxes

Prices exclude taxes. We collect and remit transaction taxes in jurisdictions where we are registered to collect or where the law requires us to; elsewhere, applicable taxes are your responsibility. We honor valid exemption and resale certificates provided to billing@itofus.com before invoicing. If the law requires you to withhold tax from a payment to us, you will provide the required documentation and pay us the additional amount so that we receive the full invoice amount, except for taxes on our income.

10. Notices

10.1 How notices are sent and received

Send us written notices by email, by certified mail (return receipt requested), or by tracked courier; we use the same channels to reach you. An emailed notice counts as delivered on the next business day after it is sent, unless the sender receives an automated bounce-back or delivery-failure notification; a bounced or failed email does not count as delivered, and the notice must be re-sent by another method or to a corrected address. Invoices follow the same rule under §3. For suspension, termination, and data-deletion notices, the delivery requirements of §7, §8, and §10.2 also apply, and the absence of a bounce-back is not, by itself, conclusive proof of receipt. A mailed or couriered notice counts as delivered when it is delivered or, where delivery to the recipient's address on record is refused or left unclaimed after attempted delivery, on the date of that attempted delivery.

Send billing matters and cancellations to billing@itofus.com; cancellations may also go through your order channel (§6.1). Checks go to the §2.1 address, and full-satisfaction tenders only to the §5 address. Legal notices go to the legal-notice address listed in your order or, if none is provided, to our registered agent on file with the Florida Department of State.

10.2 Notices we send

We send suspension, termination, and data-deletion notices to your designated contacts by email. For termination notices and deletion warnings only, we also use certified mail or a tracked courier when the unpaid amount exceeds $10,000 or the services are security-critical. We keep delivery records for all of these notices.

10.3 Your contacts and records

A change to your notice contacts takes effect only after we verify the request with an authorized administrator, either by call-back to a telephone number on record or by confirmation from a second contact on record, and record the change; until then, we continue using your existing contacts. Keep your billing contacts, legal name, and billing address up to date, and send any changes to billing@itofus.com.

We provide invoices, notices, and other records electronically, and by accepting an order, you agree to receive them that way. You may withdraw that agreement at any time by writing to billing@itofus.com, and we will then send them by mail instead. Where applicable law requires a specific consent before a particular record may be sent electronically to a consumer, we obtain that consent before relying on electronic delivery for that record.

10.4 Regulated and personal data

"Regulated data" means information subject to specific legal, regulatory, or contractual security requirements, such as Controlled Unclassified Information (CUI), protected health information, and payment card data. Do not send regulated data, credentials, card numbers, or other sensitive information through billing channels; use the secure channel named in your order or, if none is named, ask us for one. We follow the same rule in what we send you. If we find regulated or sensitive data in a billing channel, we will protect, quarantine, return, or securely delete it as required by applicable law and the governing agreement. Personal data we handle for billing, collections, and account administration is processed as described in our privacy policy at https://itofus.com/privacy and any data processing agreement between us.

11. Law, forum, and limits on liability

11.1 Governing law

Florida law governs these terms, without regard to its conflicts-of-law rules. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

11.2 Business customers

Any dispute arising out of or relating to these terms is finally resolved by binding arbitration before one arbitrator, seated in Broward County, Florida, conducted in English, and administered by the American Arbitration Association under its Commercial Arbitration Rules or, for a customer whose principal place of business is outside the United States, by its International Centre for Dispute Resolution under the International Arbitration Rules. The arbitrator, not a court, decides all questions about the interpretation, scope, enforceability, and formation of this arbitration agreement itself, which the parties clearly and unmistakably delegate to the arbitrator; the Federal Arbitration Act governs it; and the parties keep the arbitration confidential except as needed to conduct it, obtain advice, comply with law, or enforce the award. Either party may still seek temporary injunctive relief in court; either party may use small claims court; and either party may pursue collection of undisputed amounts owed to it in any court of competent jurisdiction. Any dispute not resolved by arbitration belongs exclusively to the state or federal courts in Broward County, Florida, to the extent permitted by law.

11.3 Consumers and government customers

The arbitration requirement does not apply to consumers or government customers. Consumer disputes belong in the Broward County courts where that venue is enforceable and otherwise in the forum applicable law requires or permits; government customers are addressed in §12.4.

11.4 Jury trial waiver

To the extent permitted by applicable law, each party knowingly and voluntarily waives trial by jury in any proceeding arising out of or relating to these terms. This waiver does not apply where a court will not enforce a pre-dispute jury-trial waiver, including proceedings governed by Georgia law and consumer proceedings in which applicable law prohibits its enforcement; in that event the dispute is tried to the court as otherwise provided in this section 11.

11.5 Limitation of liability

Unless a signed agreement between us provides otherwise, our total liability arising out of or relating to these terms and the order they govern is limited to the amounts you paid us for the affected services in the twelve (12) months before the event giving rise to the claim, and neither party is liable for indirect, incidental, consequential, special, or punitive damages or lost profits. This paragraph does not limit your obligation to pay amounts due, liability that applicable law does not permit us to limit, or liability arising from gross negligence, willful misconduct, or violation of law. For consumers, nothing in this paragraph limits any right or remedy that applicable consumer-protection law makes non-waivable.

12. The fine print

12.1 Acceptance

You accept an order, and these terms with it, by signature, by an affirmative electronic reply such as "Approved" sent from an authorized person's account or channel, or by authorizing the work to proceed after receiving notice of these terms, except that a committed term longer than one (1) year, or an early-termination charge, requires a signature sufficient to satisfy section 725.01, Florida Statutes: a handwritten signature, or an electronic signature under section 668.50, Florida Statutes, that is attributable to and identifies the accepting individual by name. A designated billing or technical contact can approve work but cannot amend these terms or create new committed terms unless the order explicitly authorizes it.

12.2 Order of documents

If documents conflict: a signed agreement or amendment between us controls over the order; the order controls over these terms; and these terms control over anything printed on an invoice, in each case subject to mandatory law, which controls over everything. Our privacy policy, published at https://itofus.com/privacy, governs how we handle personal information; where it and these terms address the same handling, the privacy policy controls. Terms in your purchase order, portal, or acknowledgment do not modify ours unless we accept them in writing.

12.3 Legal maximums

Every fee, finance charge, and other charge under these terms is subject to applicable law. Where applicable law permits a lower amount than these terms state, or requires a longer grace, cure, or notice period before a charge may be assessed or before services may be suspended or terminated, the lower amount and the longer period apply automatically, in place of what these terms state and without any amendment being needed. Anything we collect above the permitted amount is credited or refunded.

12.4 Government customers

For a government entity, or a purchase under a government prime contract or subcontract, mandatory clauses, prompt-payment laws, and fiscal-law limits control over anything conflicting in these terms, and any provision you cannot lawfully accept, including arbitration, venue, interest, or fees, is deemed modified or deleted to the required extent.

12.5 Regulated data

If your order or contract identifies regulated data handling requirements, we establish them before the affected services begin. Tell us before services begin if your environment holds regulated data.

12.6 Currency

All amounts are in U.S. dollars. If you pay in another currency, you bear the conversion costs; the payment counts toward the dollars we receive.

12.7 Updates

We may update these terms by publishing a revised version at https://itofus.com/terms-payment and giving thirty (30) days' notice to your billing contact. The version your order identifies continues to govern that order. A material update applies to an existing order no earlier than its next renewal, and if an update materially increases your costs or reduces your rights, you may end the affected order without an early-termination charge before it takes effect. For a consumer, updates apply only to the extent permitted by consumer law. A change to a published rate (§3) is not an update to these terms; renewal price changes follow §6.1. We retain every version with its effective date, so the version in force on any date remains provable, and we will provide the version your order incorporates as a static document on request.

12.8 Events beyond reasonable control

If an event beyond a party's reasonable control, such as a named storm, a widespread cyberattack, or the failure of a critical provider, prevents timely performance, the affected deadline extends day for day, up to thirty (30) days, provided notice is given within five (5) business days or as soon as the event allows (for payment-related events, to billing@itofus.com). This never excuses paying for services already delivered, except when the event renders unavailable all payment methods that would otherwise be reasonably available to you and genuinely prevents you from paying; in such cases, the suspension and deletion clocks in §7 and §8 pause in your favor. If the event continues for more than thirty (30) days, either party may end the affected order on written notice, with no early-termination charge, and you pay for services already delivered.

12.9 Survival and the rest

Sections 1 through 6, 8, 9, 10, 11, and this §12 survive the end of any order, except that our authorization to charge a card on file ends when the card is deleted under §2.2. "Order" means the quote, order form, statement of work, or ticket that forms or modifies an engagement under this §12; an invoice alone is not an order. We may assign our right to be paid; otherwise, neither party assigns these terms except to an affiliate or in a merger or sale of substantially all assets. If a provision is unenforceable in a given jurisdiction, it is trimmed to the minimum necessary, and the rest stands. "Business day" means Monday through Friday, except Federal Reserve holidays, Eastern Time; other days are calendar days, and a deadline falling on a non-business day moves to the next business day. These terms are offered in English, and the English version takes precedence over any courtesy translation.