Terms of Service

1.Acceptance of These Terms

These Terms of Service ("Terms") are a legal agreement between you and Bridgepointe Inc ("Club IO," "we," "us," or "our") governing your use of the Club IO website, mobile applications, wallet, tipping features, and related services (collectively, the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2.Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the Service. The Service is offered to users in the United States. By using the Service, you represent that the information you provide is accurate and that you will keep it current.

3.The Service

Club IO is a platform for live entertainment venues and performers. Patrons may fund a stored-value wallet by card, use wallet funds to pay venue check-in fees, and send tips to performers. Performers may accumulate earnings in the wallet and request withdrawal of eligible earnings to a connected account, as described in the Payout and Withdrawal Terms.

Club IO is not a bank. Wallet balances are stored-value records, not deposits, and are not insured by the FDIC or any other government program. Club IO does not pay interest on wallet balances.

4.Your Account

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately at support@club-io.com if you suspect unauthorized access. We may suspend or close accounts that violate these Terms or applicable law.

5.Wallet and Stored Value

Your wallet is denominated in U.S. dollars and recorded in whole cents. Wallet funds are usable only within the Service, except for withdrawals of eligible earnings as described in the Payout and Withdrawal Terms. Wallet funds are not transferable to other users; person-to-person transfers are currently disabled.

Wallet balances do not expire. If your account is closed, any remaining balance must be withdrawn or spent before closure is completed, subject to the Payout and Withdrawal Terms.

6.Card Top-Ups

You may add funds to your wallet using a saved payment card. Top-ups are processed by Stripe, Inc. and its affiliates ("Stripe"). Minimum and maximum top-up amounts are shown in the app. A top-up is credited exactly once; if a card charge succeeds but the credit does not appear, contact support@club-io.com with the reference shown in the app.

Top-ups are non-refundable once credited, except where required by law or as described in the Refund and Cancellation Policy.

7.Tips and Earnings

Tips sent by patrons are final once captured and may not be reversed by the sender except through the card dispute process. Earnings credited to a performer are recorded in the performer's wallet. Club IO may adjust a balance to correct a processing error, a duplicate credit, or a reversal; any adjustment will be recorded in your transaction history.

8.Withdrawals

Eligible earnings may be withdrawn to your Stripe Express connected account and paid out to your bank account or debit card. Withdrawals are governed by the Payout and Withdrawal Terms, which are incorporated into these Terms by reference. By requesting a withdrawal, you also agree to the Stripe Connected Account Agreement.

Payment processing services for performers on Club IO are provided by Stripe and are subject to the Stripe Connected Account Agreement (stripe.com/connect-account/legal/full), which includes the Stripe Terms of Service (stripe.com/legal/ssa) (collectively, the "Stripe Services Agreement"). By agreeing to these Terms or continuing to operate as a performer on Club IO, you agree to be bound by the Stripe Services Agreement, as the same might be modified by Stripe from time to time. As a condition of Club IO enabling payment processing services through Stripe, you agree to provide Club IO accurate and complete information about you and your business, and you authorize Club IO to share it and transaction information related to your use of the payment processing services provided by Stripe.

9.Fees

Current fees, including the Club IO cash-out fee and estimated Stripe fees, are shown in the app before you confirm a withdrawal and are described in the Payout and Withdrawal Terms. We may change fees with notice as described in Section 18.

10.Person-to-Person Transfers

Person-to-person transfers are not currently available. If we enable them, we will update these Terms and the in-app disclosures before they become available.

11.Prohibited Conduct

You agree not to:

• Use the Service for unlawful purposes, including money laundering, fraud, or terrorist financing;
• Use the Service to move funds between payment cards, bank accounts, or users in a manner that circumvents these Terms;
• Create accounts with false information or impersonate another person;
• Interfere with the security or operation of the Service;
• Use automated means to access the Service except as permitted in writing;
• Use the Service if you are subject to sanctions or are located in a restricted territory.

12.Third-Party Services and Stripe

Payments are processed by Stripe. Stripe's processing of your payment and identity information is governed by the Stripe Privacy Policy and the Stripe Services Agreement. Payouts are made through a Stripe Express connected account, and by using withdrawal features you agree to the Stripe Connected Account Agreement.

Acquirer Disclosure

Visa and Mastercard Transactions

For support from a Payment Method Acquirer that is a Stripe entity, please contact us.

United States

Stripe, LLC is a Payment Facilitator of the following Payment Method Acquirers:

• Cross River Bank, 2115 Linwood Avenue, Fort Lee, NJ 07024, USA, info@crossriver.com or +1-201-808-7000
• Deutsche Bank Trust Company Americas, One Columbus Circle, New York, NY 10019, USA, compl.card_acquiring@list.db.com
• Fifth Third Bank, 38 Fountain Square Plaza, Cincinnati, OH 45263, USA
• Pathward N.A., 5501 S. Broadband Lane, Sioux Falls, SD 57108
• PNC Bank, N.A., 1600 Market Street, 8th Floor, Pittsburgh, PA 19103, USA, +1-800-PNC-BANK
• Stripe MALPB, 505 N Angier Avenue NE, Atlanta, GA, 30308

14.Intellectual Property

The Service, including its software, design, and content (other than your own content), is owned by Bridgepointe Inc or its licensors and is protected by intellectual property laws. You may not copy, modify, or distribute it except as permitted by these Terms.

15.Suspension, Termination, and Account Closure

You may close your account at any time. Account closure requires a wallet balance of zero; you must withdraw or spend any remaining balance first. After closure, payout features may remain available for a limited grace period so you can withdraw remaining eligible earnings.

We may suspend or terminate your access if you violate these Terms, if required by law, or if necessary to protect the Service or other users. We will provide notice where practicable.

If your account is inactive for an extended period, we will contact you at the email on file before taking any action regarding your balance. Treatment of unclaimed balances is subject to applicable law.

16.Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

17.Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BRIDGEPOINTE INC WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR REVENUE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT OF FEES YOU PAID TO US IN THE THREE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Nothing in these Terms limits liability that cannot be limited under applicable law.

18.Indemnification

You agree to indemnify and hold harmless Bridgepointe Inc and its officers, directors, employees, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Service or your violation of these Terms or applicable law.

19.Changes to These Terms

We may update these Terms from time to time. Material changes will be announced in the app or by email at least 30 days before they take effect, unless a shorter period is required by law. Continued use after the effective date constitutes acceptance. The effective date at the top of this page reflects the current version.

20.Dispute Resolution and Arbitration

Please read this section carefully. It affects your legal rights.

Any dispute arising from these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its consumer rules, except that either party may bring an individual claim in small claims court. You and Club IO each waive the right to a jury trial and the right to participate in a class action or representative proceeding.

You may opt out of arbitration by sending written notice to support@club-io.com within 30 days of first accepting these Terms.

21.Governing Law

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules, except where federal law or the laws of your state of residence provide otherwise.

22.Contact

Bridgepointe Inc
485 Georges Rd., Ste 112, Unit 1040, Dayton, NJ 08810
Email: support@club-io.com