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You actually have 100 submissions on free account. There are limits to 10 payed submissions and 10 SSL (secured) submissions.
If we break it down you have:
10 SSL submissions + 10 payed submissions + 80 regular submissions.
If you do not use one or neither of the first two types of submissions then you have 100 submissions.
This is all on a monthly basis.
If you go over this limit in a months time your forms will be shown as disabled, but before you come to that you will get an email notification letting you know about it and giving you a chance to upgrade your account before that happens.
If that does happen and you reach the limit and that your form gets disabled, then you will either have to wait until the new month starts or if you purchase a subscription it will become active right away once again.
If you are using secure form then you are using your 10 SSL submissions and you would need to switch it to non-secured form to be displayed as non disabled and continue submitting up to 90 times for that month.
If you are connecting your form to some payment processor then you are using your 10 payed submissions and it does not matter if your form that is connecting to the payment processor is secured or non-secured.
I do hope that I provided you with the answers that you were looking for :)
Do let us know if you have any other questions.