Terms of Service

BrokerMargin allocates a brokerage's fixed overhead across its agents, applies your commission splits and compensation terms, and reports the resulting profit or loss per agent. You can enter figures by hand, import them from a CSV, or pull overhead from QuickBooks Online.

BrokerMargin is a modelling tool. Its output is not accounting, tax, legal, financial, or employment advice, and it is not a substitute for your accountant or your attorney.

The numbers it produces depend entirely on the figures you provide and the allocation method you choose — the same roster can look profitable under one method and unprofitable under another, and neither result is objectively "correct". Overhead allocation is an estimate by nature.

You are solely responsible for any decision you make on the basis of these figures, including decisions about an agent's compensation, contract, or continued engagement. Verify the output against your own records before acting on it, and take proper advice before acting on it in any way that affects a person's employment or income. That includes your own compliance with applicable employment, civil rights, and independent-contractor law, which varies by state and which we cannot advise you on.

BrokerMargin does not collect, infer, hold or process any protected characteristic — race, sex, age, disability, national origin or any other — about any agent. It cannot, because we never ask for it. Its figures are derived solely from production, commission terms, tenure and the overhead you enter. It does not make personnel decisions, does not rank people on anything other than allocated financial results, and is not designed or intended to be used as an automated employment decision tool.

You are responsible for keeping your login credentials secure and for activity that happens under your account. Tell us promptly if you believe your account has been compromised. You must be at least 18 and must provide accurate registration details.

You retain all rights to the data you enter or import. You grant us only the limited licence needed to host, process and display it back to you in order to operate the service. You can export your results to CSV at any time, and you can ask us to delete your account and data as described in our Privacy Policy.

You confirm you have the right to upload the data you provide, including information about your agents.

You agree not to:

• use the service unlawfully, or to process data you have no right to process;
• attempt to access another account's data, or probe or breach our security;
• reverse engineer, scrape, or resell the service, or use it to build a competing product;
• overload or disrupt the service or the infrastructure it runs on.

Connecting QuickBooks Online is optional. If you connect it, you also remain bound by your agreement with Intuit. We access your accounting data on a read-only basis and only as described in our Privacy Policy. We are not affiliated with or endorsed by Intuit.

We aim to keep the service available but do not guarantee uninterrupted access. We may change, suspend or discontinue features. If we make a material change to these terms we will update the date above and, where it meaningfully affects you, notify you by email.

The public demo is free and needs no account. A subscription is required to save your own roster and overhead. Founding subscriptions are $99 per month, and that price does not increase for as long as the subscription remains active.

Subscriptions are billed monthly in advance through Stripe, and renew automatically until cancelled. Prices are in US dollars and exclude any tax that may apply where you are.

Cancelling. You can cancel at any time from Settings inside the app, without contacting us and without a notice period. Cancellation takes effect at the end of the period you have already paid for; you keep access until then. We do not delete your data when a subscription ends, and you can export it at any point — before, during or after.

Refunds. If the service is not useful to you, tell us within 30 days of your first payment and we will refund it in full, without asking for a reason.

If we change the price of a plan, we will give you clear notice beforehand and you may cancel rather than accept it. A founding price, once held, is not subject to such changes.

The service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including any warranty of merchantability, fitness for a particular purpose, or accuracy of output.

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages, nor for lost profits, lost revenue, lost data, or business decisions taken in reliance on the service. Our total aggregate liability is limited to the greater of the amount you paid us in the twelve months before the claim, or one hundred pounds sterling.

Nothing in these terms excludes liability that cannot lawfully be excluded, such as liability for death or personal injury caused by negligence, or for fraud.

You may stop using the service and close your account at any time. We may suspend or terminate your access if you materially breach these terms, and will give notice where it is reasonable to do so.

These terms are governed by Scots law, and the courts of Scotland have exclusive jurisdiction, save that nothing here deprives you of the protection of mandatory consumer law in your country of residence.

Questions about these terms: hello@brokermargin.com.