Draft for review. Bracketed items like [entity name] and [support email] are placeholders to be completed before launch. This document is a working draft, not legal advice.

Soar — Terms of Service

Effective date: [effective date] Operator: [entity name] ("Soar," "we," "us"), [mailing address] Contact: [support email]

Plain-English summary (not a substitute for the Terms): Soar connects tennis players with high-level players and coaches, screened as described in Section 8, who answer video questions for a price you set. You must be 18+ to have an account. You're only charged when your answer is delivered. Coaches are independent professionals, not our employees. Videos of minors are designed to be visible only to approved coaches and our administration, and the access links we issue are logged. We have zero tolerance for anyone who misuses a platform that hosts videos of minors.

1. Acceptance and eligibility

1.1. By creating an account or using Soar (the app, website, and services), you agree to these Terms and our Privacy Policy. If you do not agree, do not use Soar.

1.2. You must be at least 18 years old and able to form a binding contract to create an account or use Soar. Soar is not directed to children, and minors may not hold accounts or operate them.

1.3. Parents and guardians. A junior player may appear in video content only when the account holder is that minor's parent or legal guardian, or has that person's documented authorization. The account holder — not the minor — must conduct all activity on the account, including all messaging, and is responsible for supervising any use of their device or account. If we have reason to believe a minor is operating an account, we may suspend the account and its message threads pending re-verification.

1.4. One person per account, and one account per person. You may not create, control, or use more than one account, or let anyone else use yours, without our written consent. Keep your credentials secure; you are responsible for activity on your account.

2. What Soar is (and is not)

2.1. Soar is a marketplace platform. Students post questions (video and/or text) with a price they set; approved coaches choose to claim and answer them. Soar is not a party to the coaching relationship, does not supervise sessions, and does not guarantee outcomes, improvement, or results.

2.2. Coaches are independent contractors. Coaches are not employees, agents, partners, or representatives of Soar, and nothing in these Terms creates an employment, agency, or joint-venture relationship. Coaches decide which questions to claim, if any, and may decline all work indefinitely without penalty; they set their own schedule, location, equipment, and coaching methods; they may provide coaching services through any other platform or independently, without exclusivity; they receive no training or supervision from Soar in how to coach; and they may stop using Soar at any time. The response deadlines, claim limits, content standards, and anti-circumvention rules in these Terms exist to protect the integrity and safety of the consumer transaction, not to direct the manner or means of coaching.

2.3. Coach credential badges (e.g., "Verified UTR 8") reflect information verified at the time of approval as described in Section 8. They are not a warranty of teaching quality or of any result.

3. Posting a question (students)

3.1. Content requirements. Your question may include video (up to the posted duration limit) and text. You must have the right to everything you upload. Do not upload content that is unlawful, infringing, sexually explicit, harassing, or unrelated to tennis instruction. Soar provides athletic instruction, not health care: do not post questions seeking medical diagnosis or advice about pain, injury, rehabilitation, or return-to-play. We may remove such questions, and coaches must decline them and refer you to a qualified professional (see Sections 8 and 15).

3.2. Videos that include minors. By uploading a video that includes a minor, you represent and warrant, and confirm through the consent control shown at upload, that (a) you are the parent or legal guardian of each minor shown, or hold that minor's parent's or legal guardian's documented consent, and (b) you have the necessary rights or permissions for any other identifiable person shown. Where practical, film only your own child. If a third party complains about their (or their child's) appearance in your video, we may remove or edit access to the content and expect your cooperation.

3.3. Your price and the service fee. You set your question's price within the platform's posted minimum and maximum; that price is what your coach's payout is calculated from. Soar adds a service fee (currently 10% of the price), plus any tax we are required to collect. Before you post, we show your price, the service fee, and any tax, and the resulting total is the amount you pay.

3.4. Payment authorization and pre-purchase disclosure. Before you post, we display the price you set, the service fee and any tax, the total you will pay, and a summary of the flag-and-refund policy in Section 6; posting constitutes your agreement to those terms for that question. When you post, you save a payment method and expressly authorize Soar (via our payment processor) to place a temporary hold when a coach claims your question and to charge that payment method when your answer is delivered, per Section 5. You will never be charged for a question that receives no answer, except that if we determine you used a pre-delivery thread to obtain substantive instruction and then canceled, blocked the coach, or deleted your account to avoid the charge (a prohibited use under Section 12), we may capture the existing hold up to the question's price.

3.5. Expiry. Unclaimed questions expire automatically after the posted expiry window (currently 72 hours). Expired questions are never charged.

3.6. Removal and withdrawal. We may remove questions that violate these Terms at any time, before or after claim, with any hold released. If we remove a delivered answer for a reason not attributable to you after your payment method was charged, we will refund that charge and the associated payout is canceled or reversed under Section 8.5.

3.7. Withdrawing your own question. You may withdraw an unclaimed question at any time — in the app or by contacting [support email] — which removes it from the coach board immediately; it is never charged. To remove a question after it has been claimed or answered, contact [support email]; removal after delivery does not by itself reverse the charge (Section 6 governs refunds). We prioritize any removal request involving footage of a minor.

4. Claims, answers, and deadlines

4.1. When an approved coach claims your question, a temporary authorization hold is placed on your saved payment method. If the hold cannot be placed, the claim is released and your question returns to the board; you will be prompted to update your payment method.

4.2. The claiming coach must deliver a video answer within the posted answer deadline (currently 48 hours from claim). If the deadline passes without delivery, the claim is released, the hold is canceled, your question returns to the board, and you are not charged.

4.3. Your payment method is charged when the answer is delivered. Delivery timestamps and answer playback events are logged.

4.4. A limited message thread opens between the account holder and the claiming coach when a question is claimed and closes (becomes read-only) after the posted period following delivery (currently 7 days); the coach's read access to the closed thread ends when content access ends under Section 8.8. Before the answer is delivered, threads exist solely to clarify the question (e.g., camera angle, context). Using pre-delivery threads to obtain substantive instruction and then canceling the transaction, blocking the coach, or deleting your account to avoid the charge is a prohibited use under Section 12 and may result in the charge described in Section 3.4. See Section 10 for conduct rules.

5. Payments, holds, and receipts

5.1. Payments are processed by Stripe. Soar does not store your full card number. By saving a payment method you consent to its storage and to merchant-initiated charges as described in Section 3.4 (a "stored credential" authorization under card-network rules). That consent incorporates the charge timing in Section 3.4, the refund and flag policy in Section 6, and our commitment to notify you of material changes under Section 19. You can remove a saved payment method at any time; removal does not cancel holds or charges for questions already claimed or answered.

5.2. Amounts are in U.S. dollars. Your total at posting is your price plus the Soar service fee and any transaction taxes we are required to collect and disclose; you remain responsible for any other taxes that apply to you.

5.3. Receipts are provided electronically for each charge.

5.4. Card disputes and double recovery. We encourage you to use the flag process in Section 6 before disputing a charge with your card issuer — it is usually much faster, and if the flag window has closed or your account has been deleted, you can still contact [support email]. Nothing in these Terms limits or waives your right to dispute a charge with your card issuer under the Fair Credit Billing Act or other applicable law. We respond to card-network disputes with our records (including delivery and playback logs). If you receive a refund or credit under Section 6 and the same charge is also reversed through a chargeback or other payment dispute, you have been compensated twice; you agree to repay the duplicated amount promptly, and we may recover it by offsetting amounts we owe you or, where card-network rules permit, re-charging your saved payment method. If a dispute is resolved in Soar's favor and we determine it was made in bad faith — for example, charging back an answer you fully or substantially viewed after a flag was fairly resolved — we may suspend or terminate your account.

6. Flags, refunds, and disputes about answers

6.1. If you believe a delivered answer is deficient (e.g., materially incomplete, not addressing your question, or violating these Terms), you may flag it within the posted flag window — currently the later of 48 hours from delivery or 24 hours from your first playback of the answer, and in no event more than 7 days after delivery — using the in-app flag control.

6.2. Soar reviews flags — including the question, price, thread, and answer — and decides, in its reasonable discretion: full refund, partial refund, credit, or that the answer stands. Every flag on a delivered answer receives a review on its merits; velocity limits (Section 6.3) route heavy flaggers to enhanced manual review but never cause automatic denial of a genuine flag. Soar's flag decisions are final within the platform. We aim to review flags within 24 hours. Credits issued as a flag resolution are denominated in U.S. dollars, do not expire, apply to your next question, and will be converted to a refund to your original payment method on request or upon account closure. Any refund or credit under this Section includes a proportional share of the Soar service fee you paid.

6.3. Refund abuse — including repeated flagging patterns, flagging answers that reasonably address the posted question after viewing them in whole or substantial part (as shown by playback logs), or any coordination between a student and coach to generate refunded payouts — may result in denial of the abusive refund, reversal of related payouts, and termination of the accounts involved. We apply velocity limits to flags and refunds per person — including across accounts we reasonably link by payment method, device, or identity signals — and per student-coach pair.

6.4. Except as described in this Section 6 or required by law, charges for delivered answers are final within the platform. If the flag window has closed, contact [support email]: we may review late disputes in our discretion, and that contact path remains available even after account deletion.

6.5. Nothing in this Section limits any non-waivable consumer rights under applicable law.

7. Answers and coach content (students' use)

7.1. The answering coach grants you a personal, non-commercial license to view and use the answer content for your (or your child's) own training, for as long as your account remains active and subject to removal under Sections 3.6, 10.4, and 13 and to discontinuation of the service. Delivered answers remain available to you even if the answering coach later leaves the platform (see Sections 9.2 and 14.2). This license is conditioned on payment: if the charge for an answer is refunded in full (other than a goodwill credit funded by Soar) or reversed through a chargeback or other payment dispute, the license ends and we may revoke your access to that answer. If a delivered answer becomes permanently unavailable within 90 days of delivery for a reason not attributable to you, we will, at your option, refund the charge or arrange a replacement. You may not resell, republish, or redistribute answer content without the coach's written permission.

7.2. Advice is general instruction based on the material you submitted. It is not medical, physical-therapy, or health-care advice — see Section 15.

8. Coaches

8.1. Application and screening. Coach applications require proof of playing level (e.g., UTR or NTRP rating), a sample answer video, and identity verification through our payments partner. Approval is at Soar's discretion. Before approval, and at least once every 12 months for each active coach and promptly upon any credible report, we run identity/name-match verification and a check against the U.S. national sex-offender public registry (NSOPW). Screening is limited to these specific checks; we do not currently obtain criminal background checks. Screening reduces but cannot eliminate risk, and approval is not an endorsement or a guarantee of any coach's conduct. If we introduce third-party background checks or other consumer reports, we will first provide the standalone disclosure and obtain the separate written authorization required by the Fair Credit Reporting Act and applicable state law; nothing in these Terms constitutes that disclosure or authorization. Approval may be revoked based on screening results at any time.

8.2. Accuracy. Ratings, credentials, and identity information you submit must be yours and accurate. Misrepresentation is grounds for immediate removal and the remedies in Section 8.9(c).

8.3. Earnings. Coaches receive the posted revenue share (currently 80% of the question price) for each answer delivered on time and not refunded under Section 6. Soar retains the remainder of the price as its platform fee and pays payment-processing costs from its share. The service fee the student pays (Section 3.3) is separate from the question price, is retained by Soar, and is not part of coach earnings.

8.4. Payout timing. Earnings are released to your connected Stripe account after the student's flag window closes and any open flag on the question is resolved. Funds then arrive per Stripe's payout schedule. A typical answer reaches your bank within about a week of delivery; this is not a guarantee. Soar may delay payout release, extend the release schedule for new accounts, or hold a rolling reserve where reasonably necessary to cover anticipated refunds or chargebacks.

8.5. Refunds, chargebacks, and repayment. If a flag results in a full refund under Section 6, the associated payout is canceled or, if already paid, reversed — unless Soar determines the flag was student abuse, in which case Soar may honor the payout at its own cost. If a partial refund or credit is issued as a flag resolution, the payout is reduced by the coach's revenue share (currently 80%) of the refunded or credited amount. Credits Soar issues as goodwill, rather than as a flag resolution, are funded by Soar and do not reduce the payout. You agree to repay Soar on demand any amounts refunded, charged back, or otherwise reversed after payout; Soar may recover them by debiting your connected account, setting off against pending or future payouts, or invoicing you.

8.6. Deadlines, strikes, and answer quality. Missing the answer deadline releases the claim and records a strike. A full refund issued under Section 6 for a deficient answer also records a strike. Repeated strikes (currently 2 in 30 days) pause your board access pending review. Soar may limit concurrent claims (currently 2), may set daily claim or answer limits, and may throttle or remove board access based on flags, refunds, quality reviews, or conduct.

8.7. Independent contractor; taxes. You are responsible for your own taxes. Where required, Soar (through Stripe) will issue applicable tax forms (e.g., Form 1099-K) based on the information in your Stripe account.

8.8. No download, reuse, or misuse of student content. You may view student videos solely to evaluate and answer questions on the platform. You may not download, record, screenshot, store, share, or reuse student content, or use it to train any system, except viewing within the app. Soar logs the access links it issues and monitors viewing patterns; activity inconsistent with evaluating and answering questions — including repeated re-viewing of the same content, disproportionate viewing of content depicting minors, or sustained browsing without claiming — may result in immediate suspension pending review. Your access to a student's question content and thread ends immediately when your claim lapses, is released, or the question is removed or expires; 30 days after answer delivery; and immediately on any suspension, pause, removal, or deletion of your account — whichever occurs first. Violation of this Section results in immediate removal and the remedies in Section 8.9(c); unauthorized retention or sharing of content depicting a minor is additionally treated as a child-safety violation under Section 11.

8.9. No solicitation or circumvention. (a) For 12 months after the later of your last completed transaction with a student and your last access to that student's question content, thread, or profile through Soar, you may not provide, offer, or arrange coaching, instruction, training products or programs, or related services — whether paid or unpaid, and whether delivered directly or through any entity you own, work for, or are affiliated with — to that student or to any person appearing in that student's content, off the platform. Relationships formed independently of Soar are never restricted, and this restriction applies only to the extent permitted by law (see Section 8.9(e)). Students have a mirror obligation under Section 12. (b) You may not direct or accept payment outside the platform for services arranged through Soar. (c) Remedies: violation of this Section, of Section 8.2, or of Section 8.8 results in removal from the platform; withholding or reversal of the payout for any transaction involved in the violation; and, for off-platform circumvention or content misuse, liquidated damages equal to the greater of the platform fee Soar would have earned on the circumvented services or $[ld amount] — the parties agreeing that actual damages are difficult to estimate and this is a reasonable pre-estimate, not a penalty. Earnings on completed, unrefunded answers unrelated to the violation will be paid out in the ordinary course. (d) You may never request or facilitate direct contact with any minor (see Section 11); that is a child-safety violation, not merely circumvention. (e) Where a customer non-solicitation covenant is unenforceable against an independent contractor (for example, in California), subsection (a) does not restrict your independent relationships; only the fee-circumvention prohibition in (b) and its remedies apply.

8.10. Personal performance. Answers must be personally created and delivered by the approved individual. You may not share credentials, delegate claiming or answering to any other person, or submit answer content whose instructional substance was generated by another person or by automated or AI tools. Permitting any other person to access student content through your account is treated as a child-safety violation under Section 11. Violation of this Section results in immediate removal and the remedies in Section 8.9(c).

9. Content ownership and license to Soar

9.1. You own the content you upload. Soar claims no ownership.

9.2. You grant Soar a worldwide, non-exclusive, royalty-free license to host, store, transcode, reproduce, and display your content as needed to operate the service — including displaying question content to approved coaches under the visibility rules described in our Privacy Policy, and delivering answer content to the question's account holder. This license ends when your content is deleted from the service, except for (a) content preserved to comply with law or enforceable requests, (b) content referenced in open flags or investigations, (c) routine backups purged on schedule, and (d) delivered answer content, which the answering coach licenses Soar to continue hosting and displaying to the purchasing account holder — notwithstanding the coach's later account deletion or content removal — for as long as that purchaser's account remains active, subject to removal under Sections 10.4 and 13 and to discontinuation of the service.

9.3. Soar does not use student or answer videos in marketing without separate written consent.

9.4. Coach reuse of answers. Answer content is created for delivery through Soar. You may not publish, redistribute, or commercially exploit answer content outside the service where it depicts, describes, or identifies any student or minor, incorporates or responds to student content, or was compensated through Soar — except with the written consent of both Soar and the affected account holder. You retain ownership and may reuse generic instructional material that contains no student-derived content.

10. Community rules and enforcement

10.1. Zero tolerance for objectionable content: no sexual content, no content sexualizing or endangering minors, no harassment, hate, threats, or violence, no doxxing, no spam. We moderate content through a combination of measures: automated scanning of message threads for solicitation and contact-information patterns; screening of every coach before any content is visible to them; logging of the access links we issue; and human review of reported content. Reported content may be automatically restricted pending review, and we remove violating content promptly upon detection or report.

10.2. Do not share, display, speak, or request any means of off-platform contact or payment — in threads, questions, answers, ratings, or profiles — including personal contact information, payment handles, social-media handles, websites or URLs, QR codes, business or academy names used to direct users off the platform, promo codes, or instructions to find you elsewhere. Automated systems may flag such content for human review.

10.3. Reporting, blocking, and safety holds. Every user can report content (questions, answers, messages, ratings and comments, and profiles) and block other users in-app. We prioritize child-safety reports and aim to act on reports of objectionable content within 24 hours (a good-faith target, not a guarantee), including removing content and ejecting offending users where warranted. Blocking is a safety tool, not a way to cancel a paid transaction:

Blocking a coach prevents them from claiming your future questions and closes shared threads.
Blocking a coach who has already claimed your question does not, by itself, release the claim or the hold: the coach may still deliver through the platform (charging you per Section 4.3), or the deadline passes and the hold is canceled.
However, if you block a coach and report a safety or conduct concern about an open claim, we immediately suspend that coach's access to your content and thread and freeze the claim pending review (target 24 hours). If the concern is substantiated, the claim is canceled, the hold is released, you are not charged, and the coach receives a strike; if it is not, the claim resumes with a corresponding deadline extension. A claim released because you blocked the coach for a reason not attributable to the coach does not count as a strike under Section 8.6.

10.4. We may remove content, suspend, or terminate accounts for violations of these Terms, for risk to any user, or as required by law — with or without notice, and, where safety or law requires, without explanation.

11. Child safety

11.1. We prohibit, and report where required, any child sexual abuse and exploitation ("CSAE") material or conduct. Zero tolerance. We report apparent CSAM to the National Center for Missing & Exploited Children (NCMEC) as required by 18 U.S.C. § 2258A and preserve associated material as the law requires.

11.2. Coaches may not: (a) address any communication to a minor rather than to the adult account holder, or request or facilitate any direct contact with a minor, on or off the platform; (b) request photos or videos of a minor beyond what is reasonably necessary to answer the posted tennis question — any request for additional footage must be tennis-specific and fulfilled only through the platform; (c) request personal information about a minor unrelated to the question (school, schedule, whereabouts, social media, physical details); or (d) offer a minor gifts, off-platform training, or special attention. Any violation of this Section is treated as a child-safety violation: immediate removal, the remedies in Section 8.9(c), and reporting to authorities where appropriate.

11.3. If you believe a child is at risk, report it in-app and contact [support email] immediately (child-safety contact: [child safety contact]). If a child is in immediate danger, call 911.

12. Prohibited uses

No scraping or bulk downloading; no reverse engineering except where the law allows; no interference with the service or its security controls; no fraudulent payment activity (including card testing); no impersonation; no use of the service to violate any law; no creating or operating additional or replacement accounts to evade any limit, suspension, strike, refund decision, unresolved flag, or other enforcement action — whether after termination or after voluntary deletion — without our written consent; no using pre-delivery threads to extract substantive instruction and then avoiding the charge (Sections 3.4 and 4.4); and, for 12 months after your last transaction with (or the coach's last access to your content on) Soar, no soliciting or arranging off-platform paid services with coaches you met on Soar (the student-side mirror of Section 8.9(a)).

13. Copyright (DMCA)

13.1. If you believe content on Soar infringes your copyright, send a notice compliant with 17 U.S.C. § 512 to our designated agent: [dmca agent name], [dmca agent email], [mailing address]. We respond to valid notices, may remove identified content, and terminate repeat infringers.

13.2. Counter-notice. If your content was removed due to a copyright notice you believe was mistaken, you may send our designated agent a counter-notice compliant with 17 U.S.C. § 512(g)(3). Unless the original claimant notifies us that it has filed a court action, we may restore the content in 10–14 business days. Knowingly false notices or counter-notices carry liability under 17 U.S.C. § 512(f).

14. Termination

14.1. You may delete your account at any time in the app or at [domain]/delete-account. Deleting your account does not erase enforcement history: we retain records of strikes, flags, terminations, refund decisions, and safety actions as described in the Privacy Policy and may match them against new registrations and applications.

14.2. If your account is terminated or deleted: open unclaimed questions are canceled (never charged); claimed-but-unanswered questions are canceled with holds released — though repeated patterns of claiming coach time through threads followed by pre-delivery deletion may result in the charge in Section 3.4 and refusal of future registration; delivered answers remain subject to Section 6, with late concerns handled via [support email] per Section 6.4; coach payouts already earned and not subject to Sections 6.3, 8.2, 8.5, 8.8, 8.9, or 8.10 will be paid out in the ordinary course. Deleting a coach account ends the coach's access immediately (Section 8.8) but does not remove delivered answers from purchasers' accounts (Section 9.2(d)).

14.3. Sections that by their nature survive — including 3.4, 5, 6, 8.2, 8.5, 8.7–8.10, 9.2, 9.4, 10.2, 11, 12, 13, and 15–18 — survive termination or deletion.

15. Assumption of risk; no medical advice

15.1. Tennis is a physical activity with inherent risk of injury. All instruction is delivered to and intended for the adult account holder, who decides whether and how to apply it. Coaching advice delivered through Soar is general athletic instruction based on submitted video, without physical examination. It is not medical advice, physical therapy, or a diagnosis. Consult a physician before acting on training advice, particularly regarding pain or injury, and supervise minors' training appropriately. You (and not Soar or the coach) are responsible for deciding whether an exercise or technique is appropriate and safe for you or your child.

15.2. To the fullest extent permitted by law, you assume the risks of applying instruction received through the service.

15.3. Minors. If you permit a minor to appear in content or to apply instruction received through the service, you represent that you are that minor's parent or legal guardian, or that you hold the documented authorization described in Section 3.2 and the authorizing parent or legal guardian has agreed to this Section. To the fullest extent permitted by law: (a) you accept these Terms — including this Section 15 and Sections 16 and 18 — on the minor's behalf; (b) you release and covenant not to sue Soar for claims by or on behalf of the minor arising from the application of instruction received through the service; and (c) you will defend, indemnify, and hold Soar harmless from any claim brought by or on behalf of the minor, including claims asserted after the minor reaches majority. These Terms create no third-party-beneficiary rights.

16. Disclaimers and limitation of liability

16.1. THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SOAR DOES NOT WARRANT THE QUALITY, ACCURACY, OR SAFETY OF ANY COACH'S ADVICE.

16.2. TO THE FULLEST EXTENT PERMITTED BY LAW, SOAR'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU PAID TO SOAR IN THE 12 MONTHS BEFORE THE CLAIM AROSE AND (B) $100. For coaches, "amounts you paid to Soar" means the platform fees Soar retained from your transactions in that period. This cap does not limit Soar's obligation to pay coach earnings properly owed under Section 8 or refunds owed under Section 6. SOAR IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS.

16.3. Some jurisdictions do not allow certain limitations; those limitations apply only to the extent permitted where you live. Nothing in these Terms limits liability that cannot be limited by law, including for personal injury caused by our own gross negligence or willful misconduct, or where consumer law forbids it.

17. Indemnification

You will defend and indemnify Soar against third-party claims arising from your content (including any failure to have the consents described in Section 3.2), your violation of these Terms, or your violation of law — except to the extent caused by Soar's own misconduct.

18. Governing law and disputes

18.1. These Terms are governed by the laws of the State of [state], without regard to conflicts rules.

18.2. Informal resolution first. Before filing any claim, contact [support email]; most issues are resolved quickly. Formal disputes shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except either party may use small-claims court for qualifying claims. You and Soar each waive the right to a jury trial and to participate in class actions.

18.3. 30-day opt-out: you may opt out of arbitration by emailing [support email] within 30 days of first accepting these Terms, with the subject "Arbitration opt-out," from the email on your account.

18.4. FAA; blow-up clause. This arbitration agreement is governed by the Federal Arbitration Act. If the class-action waiver is held unenforceable as to a particular claim, that claim (and only that claim) shall proceed in court, and in no event may an arbitrator preside over any class or representative proceeding.

18.5. Coordinated demands. If 25 or more similar arbitration demands are filed by or with the assistance of coordinated counsel, the demands will be administered under the AAA Mass Arbitration Supplementary Rules and fee schedules then in effect.

18.6. Venue for court claims. Any claim not subject to arbitration (including opt-out and small-claims-eligible claims) shall be brought exclusively in the state or federal courts located in [county state], and you consent to their jurisdiction.

18.7. Severability. If any provision of these Terms is held unenforceable, it will be enforced to the maximum extent permitted, and the remainder of these Terms remains in full effect.

19. App marketplace terms

These Terms are between you and [entity name] only — not Apple Inc. or Google LLC. Apple and Google have no obligation to furnish maintenance or support for the app and are not responsible for any warranty, product-liability, intellectual-property, or legal-compliance claim relating to it; those are addressed by these Terms. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you as a user of the iOS app. You represent that you are not located in a U.S.-embargoed country or on a U.S. prohibited-parties list.

20. Changes

We may update these Terms. For material changes we will give notice in the app or by email at least 14 days before they take effect (except changes required by law or for safety, which may be immediate). Continued use after the effective date is acceptance. Changes to Section 18 do not apply to any dispute of which either party had notice before the change took effect. The current version is always at [domain]/terms.

21. Contact

[entity name] · [mailing address] · [support email]