DRAFT — pending legal review. This document is a placeholder skeleton and is not legally binding until reviewed and finalized by counsel.

Terms of Service

Last updated: [DATE] · VantaPay LLC, Tampa, FL

1. Who we are

VantaPay LLC ("VantaPay", "we") operates a software platform that lets service businesses ("Merchants") manage bookings, accept payments, and message their clients. By creating an account or using the platform you agree to these Terms.

2. Payments & Stripe Connect

Payments are processed by Stripe. Merchants who accept payments must create a connected Stripe account and agree to the Stripe Connected Account Agreement, which includes the Stripe Services Agreement. VantaPay charges a platform fee of 1% of each processed transaction. [Confirm fee, refunds, chargeback responsibility, payout timing with counsel.]

3. Merchant subscription

[Describe subscription plans, billing cycle, trials, cancellation, and refund policy.]

4. SMS / text messaging

By providing a mobile number and opting in, you agree to receive text messages from VantaPay and/or the business you interact with, including one-time verification codes, appointment confirmations and reminders. Message frequency varies based on your account and appointment activity. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Mobile numbers, SMS opt-in data, and consent are never shared or sold to third parties or affiliates for their own marketing. Merchants are responsible for obtaining consent from their clients and for complying with the TCPA and carrier requirements. [Counsel to confirm final messaging terms.]

5. Acceptable use

[Prohibited businesses/activities, age-restricted services, content rules.]

6. Disclaimers & liability

[Warranty disclaimer, limitation of liability, indemnification — draft with counsel.]

7. Contact

Questions: [support email]. VantaPay LLC, Tampa, FL.