The FinePrint Ledger

Perks and terms worth knowing in the tools that run a small business: credits, free seats, fee refunds, and the limits that are good to know before they matter. Everyone sees the short version. Subscribers see the full note, the exact quote, the steps and the source.

Worth knowing for your business

Current terms are not changes. They are sentences on the company's own page today, quoted word for word, with the date we last confirmed them.

Perks are benefits a subscriber already has, quoted word for word from the company's own help or benefits page and re-checked every month.

Etsy for sellers high impact Current term

  • Etsy shops that make $10,000 in a year must use Offsite Ads.
  • This lasts for the life of the shop.

The What

When an Etsy shop makes $10,000 or more in any 365-day stretch, it is in Offsite Ads for good, at a 12% fee on orders from an ad. Smaller shops pay 15% and can opt out.

The Why

If your shop is growing, crossing that sales mark means a fee on ad orders you can never turn off. Shops under the mark can still opt out, and the fee differs by group.

Subscription Access

QuickBooks Online · October 31, 2026Perk!

  • Your accountant doesn't have to take one of your QuickBooks user spots.
  • You just have to invite them the right way.

The What

QuickBooks has a separate invite just for accountants. Anyone you add that way can fix your books and help at tax time, and they don't count against your plan's user limit.

The Why

If your plan is already full, you can still bring your accountant in without dropping a teammate or paying for a bigger plan. One thing to know: only certain admins on your account can send the invite.

Subscription Access

Mailchimp medium impact Current term

  • Mailchimp counts unsubscribed contacts toward your plan's limit.
  • Going over the limit adds charges.

The What

Mailchimp's monthly paid plans set your price by contacts, and that count includes people who unsubscribed. Going past your tier's limit adds a charge for extra contacts on your next bill.

The Why

If your list has lots of people who unsubscribed, you may be paying for people who asked to leave your list. The overage charge shows up on your next bill, so knowing your count matters.

Subscription Access

Etsy for sellers · October 31, 2026Perk!

  • Etsy pays you back 4% when buyers use your link.
  • The buyer has to order within 30 days.

The What

When you send buyers to your shop with your own Share & Save link, Etsy puts 4% of the qualifying order total into your Etsy Payment account. The refund happens right when the order is done.

The Why

If you already send people to your shop yourself, those sales can earn some of your fees back. You have to join the program first, and only some orders count.

Subscription Access

QuickBooks Online medium impact Current term

  • QuickBooks plans have limits on users and accounts.
  • There are two ways forward when you hit a limit.

The What

On QuickBooks Online Simple Start, Essentials or Plus, the chart of accounts can hold up to 250 accounts. Billable users top out at 1, 3 and 5, by plan.

The Why

If your team grows, you may hit the user cap and need a bigger plan or fewer users. Making an account inactive is one way to stay under, and which plan you're on decides your limit.

Subscription Access

Slack · October 31, 2026Perk!

  • Slack only bills you for people who actually use it.
  • You get credit back when someone goes inactive.

The What

On Slack's paid plans, you pay only for active members, and Slack spots inactive ones on its own. If someone you paid for stops using Slack, you get credit back, prorated, for the time they didn't use.

The Why

If your team has people who left or rarely log in, you aren't stuck paying full price for their seats. This only applies to plans bought a certain way, so how you pay matters.

Subscription Access

Slack medium impact Current term

  • Slack's free plan only shows your last 90 days of messages.
  • Data older than one year is deleted.

The What

Slack's free plan only lets you see messages and files from the last 90 days. Anything in your workspace older than a year is deleted.

The Why

If your team relies on old chats or files, anything past a year is gone for good. Paying for Slack brings back older history, but only for data that hasn't been deleted yet.

Subscription Access

Slack · October 31, 2026Perk!

  • Slack lets you add free guests to one channel.
  • Each paid member unlocks up to 5 guests.

The What

Paid Slack plans let you add a contractor, intern or client to a single channel as a Single-Channel Guest, with no seat fee. Each paid active member lets you add up to 5.

The Why

If you work with outside people, you can bring them into a channel without paying for another seat. There is a limit tied to how many paid members you have.

Subscription Access

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Some entries are historical changes imported from Open Terms Archive and marked as such. FinePrint publishes a short excerpt and a summary, never the full document. Information, not legal advice.