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How do I set a default terms and conditions in the estimate?

Default estimate memo:

Go to SettingsBusiness and scroll down to the Estimate and Change Order settings section to add a default estimate memo. This memo will automatically appear on all new estimates, but can still be edited per estimate.

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Upload a contract (paid plans only):

In the estimate form, find the E-Signature section at the bottom and click Edit. Upload your contract, and Beam will automatically add a signature page for your client.

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