Florida · Agentic SaaS development

SaaS Development for Florida Founders, Built with AI Agents

One of the first cost questions for a SaaS founder selling into Florida is sales tax, and the answer is less obvious than the 6 percent state rate suggests. That rate applies to tangible personal property, and a Department of Revenue advisement treated remotely accessed custom software as a non-taxable service. Auto-renewing consumer plans carry their own notice rules, and products holding patient data for providers that use certified EHR technology face a hosting location rule.

Curiosive builds SaaS products from Ankara, Türkiye, with AI coding agents under senior engineer review. Engineers design the tenant model, billing webhooks and plan logic; agents produce the CRUD screens, admin views, migrations and test suites around them. Ankara sits 7 to 8 hours ahead of US Eastern time depending on the season, so decisions travel in writing rather than in meetings.

Start a partnership From $2,000 per month

24: published portfolio projects
5+: years building for production
12: countries the work runs in
100%: of code read by a senior engineer
1 day: to hear back, from the engineer

For US founders and product teams

A US company. An engineering partner you can keep.

Curiosive LLC is our US-registered company. Engineering is led from Ankara, Türkiye, with collaboration across European and US time zones. Your engagement starts with a written scope, monthly capacity and a clear delivery plan.

Know who you hire

Curiosive LLC provides the services. Our US company details and service terms are published, and pricing is in USD.

Know what will ship

Agree scope, capacity and start date before checkout. Work through a prioritized queue, with senior engineers reviewing changes before they reach production.

Keep ownership

Typed, tested and documented code, with no lock-in to our tooling. Define repository access, handover and the working-hour overlap during discovery.

Explore our US partnership →Book a 30-minute intro call →Discuss your product →Service terms

Is SaaS taxable in Florida? What the Department of Revenue found

Florida's state sales tax is 6 percent of the sales price of each item of tangible personal property under Fla. Stat. s. 212.05(1)(a), and that section does not list software, data processing, information services or digital products as taxable items. In Technical Assistance Advisement 16A-014 of August 8, 2016, the Department of Revenue found that subscriptions to customized software accessed only remotely were not subject to sales and use tax, and neither were the related hosting, storage and backup services, because no tangible personal property was conveyed. It also noted that canned software sold on disk to customers in the state is taxable under Rule 12A-1.032. The advisement binds the Department only on its own facts, so a standard multi-tenant product is worth checking with an accountant. Other states set their own treatment of SaaS; California, for one, starts taxing prewritten SaaS on January 1, 2027.

Florida remote seller nexus and what billing needs to record

Since July 1, 2021 (ch. 2021-2), an out-of-state seller becomes a Florida sales tax dealer once its taxable remote sales of tangible personal property into the state exceeded $100,000 in the previous calendar year. Remote sellers and marketplace providers must also remit county discretionary sales surtax on deliveries into counties that levy it. For a pure software subscription that threshold may never come into play, but some SaaS products also ship something physical, such as a hardware reader, a kit or printed material. Once that happens, billing needs to know which line items are tangible, where each one was delivered and the running total per calendar year. We model products, line items and delivery addresses in PostgreSQL with Drizzle ORM, so tax treatment is a property of the data rather than a spreadsheet guess at year end.

Automatic renewal rules for Florida subscription plans

Fla. Stat. s. 501.165 applies to consumer service contracts that auto-renew for periods of more than 1 month beyond 6 months from the start. The seller must disclose the automatic renewal clearly and conspicuously. For contracts of 12 months or more, it must send written or electronic notice 30 to 60 days before the cancellation deadline, and consumers must be able to cancel by the same means they used to accept. A seller that does not comply loses the automatic renewal provision, which becomes void and unenforceable. In code this means a scheduled job that sends the notice inside the window and records that it went out, a cancel path wherever signup happened, and webhook handlers that are idempotent so a redelivered payment event never renews a plan twice. Trials, upgrades, failed payments and cancellations each get their own test.

Hosting patient data for Florida healthtech SaaS

The Miami-Dade Beacon Council says Miami-Dade has more than 2,000 startups supporting roughly 90,000 jobs, led by fintech, healthtech and climate tech. If your customers are health care providers that use certified electronic health record technology, Fla. Stat. s. 408.051(3), added by SB 264 (ch. 2023-33), requires them to keep all patient information stored offsite physically in the continental United States, its territories or Canada, including data held by a third-party or cloud computing provider. We set the database, backups, file storage and log retention in an allowed region from the first deployment, and treat the region as part of the infrastructure code an engineer reviews, so an agent-written change cannot quietly add storage somewhere else.

Tenant isolation and processor duties for SaaS vendors

Tenant isolation sits at the foundation of the data model, so engineers design it first: which tables carry a tenant key, how every query is scoped and how permissions follow the plan a customer is on. It also matters under Florida's Digital Bill of Rights. If a tenant is a controller, s. 501.712 requires the vendor processing its data to delete or return all of it at the controller's direction when the service ends, unless the law requires retention, and to give the controller the information needed for its data protection assessments. Per-tenant export and deletion are far easier when the tenant key was there from the start. With those boundaries fixed, coding agents generate the screens and admin tooling, and a senior engineer reviews every diff. Reveal Software (reveal.software) runs on Hono, Drizzle ORM and PostgreSQL, and PicKey (pickey.ai) has subscription billing on Stripe. The offer is AI-accelerated development from $2,000 per month, with scope agreed in writing.

Proof

Published project examples

Reveal Software

Release Coach AI

Inspire Film

Poppin

Zing Coach

ChurchBee

AI-accelerated development

from$2,000

per month

Senior engineers building your product with AI coding agents: web, mobile, SaaS or browser extension, reviewed before anything ships.

Web, mobile, SaaS and browser extensions
AI-assisted delivery under senior engineer review
Scope and capacity agreed in writing, renews monthly

AI-accelerated development, billed monthly. We confirm scope, capacity and start date in writing before checkout.

Questions

The things people ask before starting.

Is a SaaS subscription subject to Florida sales tax?

Possibly not, depending on what you sell. Florida's 6 percent state sales tax applies to tangible personal property, and TAA 16A-014 found remotely accessed custom software and its hosting non-taxable. The advisement binds the Department only on its own facts, and canned software on disk is taxable, so a standardized product needs its own check.

What is the Florida economic nexus threshold for remote sellers?

$100,000 of taxable remote sales of tangible personal property into Florida in the previous calendar year, in force since July 1, 2021. Above it, an out-of-state seller becomes a state sales tax dealer and must also remit county discretionary surtax on deliveries into counties that levy one.

Does Florida require renewal reminders for annual subscriptions?

Yes, for auto-renewing consumer contracts of 12 months or more. Notice must go out 30 to 60 days before the cancellation deadline, the renewal must be disclosed clearly and conspicuously, and cancellation must work through the same means the consumer used to accept. Without that, the automatic renewal provision is void.

Can a Florida health SaaS store patient data on servers in Europe?

Not for providers using certified EHR technology. Fla. Stat. s. 408.051(3) requires their patient information stored offsite to sit physically in the continental United States, its territories or Canada, including data held by cloud providers. We pick a compliant hosting region before the first deployment, covering backups and logs as well.

Solutions

Locations

What happens after you write to us.

01
You describe the product
One paragraph on what you are building, roughly when you need it, and who it is for. No brief, no form with fifteen fields.
02
You get a reply within a day
From the engineer who would do the work, not a sales team. If we are not the right fit we say so, and where possible we point you somewhere better.
03
You get a scoped plan
Scope, price and timeline in writing before anything is committed. You decide with the numbers in front of you.

No long contract to begin, no lock-in to our tooling, and the code is yours from the first commit.

Start a conversation

Contact

Looking for an engineering partner for the long haul?

A short note about the product, the timeline and who it is for is enough to start. You will hear back from the engineer who would do the work, not a sales team.

hello@curiosive.com See what we have shipped

Ankara / Türkiye · Working across European and US time zones