Terms and Conditions

These Terms and Conditions ("Terms") govern your use of the Rifflynk mobile application and website (the "Service"). The Service is operated by Ashwin Christopher, an individual based in the United States ("Rifflynk," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy.

1. Eligibility

You must be at least 18 years old to create an account and use the Service.

2. Accounts

You are responsible for keeping your login credentials secure and for all activity under your account. You agree to provide accurate information about yourself or your organization and to keep it up to date. A single login may hold more than one profile — for example, an organization may add a performer profile under the same account so the person behind it can also be discovered and booked. You are responsible for all profiles and activity under your login, and you agree to keep each profile accurate.

3. The Service

Rifflynk is a platform that helps churches, organizations, and musicians find one another, communicate, and coordinate bookings for events and services. This includes direct messaging between users, such as one organization messaging another or one musician messaging another, for networking and coordination. We provide the platform; we are not an employer, agent, or party to any arrangement made between users.

4. Acceptable Use and Communication

Rifflynk is a professional platform. Churches, organizations, and musicians are expected to communicate with one another professionally and respectfully. These rules apply to all communication on the Service, including booking conversations and direct messages between users. You agree NOT to use the Service, including profiles, messages, and any other content, to:

• send harassing, threatening, intimidating, bullying, or abusive messages;
• send sexual, obscene, or sexually suggestive content, or solicit such content;
• post hate speech or content that demeans or attacks people based on race, ethnicity, religion, sex, gender, sexual orientation, disability, age, or national origin;
• send spam, scams, phishing, fraudulent offers, or deceptive solicitations;
• impersonate any person or organization or misrepresent your identity, affiliation, or qualifications;
• post false, misleading, defamatory, or unlawful content; or
• violate any applicable law or the rights of others.

You are solely responsible for all content you send or post through the Service.

5. Reporting, Moderation, and Enforcement

You can report a conversation, message, profile, or user that you believe violates these Terms using the in-app reporting tools or by emailing support@rifflynk.com. We reserve the right (but are not obligated) to review and investigate reports and, where permitted by law and applicable platform policies, to monitor or review content shared through the Service to maintain safety and integrity. We may, at our discretion and without prior notice, remove or restrict content, limit features, suspend accounts, or permanently ban users who violate these Terms or who we reasonably believe pose a risk to others. We are not responsible for content posted by users, and reviewing reports does not make us responsible for monitoring all activity.

6. Bookings, Payments, and Conduct Between Users

Rifflynk is a venue for connecting users; we are not a party to any agreement, booking, or performance arrangement made between users. Users are solely responsible for the terms of their own arrangements, including pay amount, scheduling, performance, and conduct. To the fullest extent permitted by law, Rifflynk is not responsible or liable for any private agreements, bookings, disputes, cancellations, no-shows, injuries, or behavior that occur between users. Rifflynk offers an optional in-app payment feature (see Section 7); users may also choose to arrange payment directly between themselves, in which case Rifflynk is not involved in that payment.

7. In-App Payments, Fees, and Tax Forms

Rifflynk offers an optional payment feature so an organization can pay a musician for services directly through the Service. Using it is not required — organizations and musicians may arrange payment on their own.

• How it works. Payments are processed by our payments provider, Stripe. To receive payments, a musician must complete Stripe's payout onboarding and provide the information Stripe requires, and must choose a payout method (bank account or, where offered, a linked USDC wallet — see "Payout method" below). Organizations may pay using any payment method the Service currently offers: credit/debit card, ACH bank transfer, or crypto (USDC stablecoin).
• Accepted payment methods and fees. The organization enters the musician's rate. A service fee is then added on top of that rate, based on the payment method chosen, and charged to the organization; separately, a flat 0.99% fee is deducted from the musician's payout regardless of payment method. The musician's rate, the service fee, and the total charged are itemized before the organization confirms payment.
• (a) Credit/Debit Card. A 4.99% service fee is added to the organization's total (this covers Rifflynk's fee together with card processing costs). Card payments are processed immediately.
• (b) ACH Bank Transfer (Direct Debit). A 2.99% service fee is added to the organization's total. ACH payments are not instant: funds typically settle 1-3 business days after the organization authorizes the debit, and Rifflynk does not release payout to the musician until the debit has actually settled, not merely been initiated. See the "ACH-specific terms" below for authorization requirements and what happens if an ACH debit fails after being initiated.
• (c) Crypto (USDC Stablecoin). A 3.99% service fee is added to the organization's total. This payment method is offered on an opt-in, beta basis. See the "Crypto-specific terms" below.
• (d) Musician fee. In addition to the organization's service fee above, Rifflynk deducts a flat 0.99% fee from the musician's payout on every payment, regardless of payment method.
• (e) Taxes. Rifflynk does not currently collect sales, use, or similar transaction taxes on payments made through the Service. This may change in the future as required by law.
• ACH-specific terms.
• Authorization. By choosing ACH and confirming payment, the paying organization authorizes Rifflynk's payment processor to initiate a one-time debit from the designated bank account for the specified amount, in accordance with NACHA (National Automated Clearing House Association) operating rules. This authorization is collected through Stripe's hosted payment interface at the time of payment.
• Settlement timing. ACH debits are not immediate. Processing typically takes 1-3 business days. The payment will show as "pending" or "settling" in the Service until the debit clears.
• Failed or returned payments. An ACH debit that is initially accepted can still fail or be returned days later — for example because of insufficient funds, a closed or invalid account, or a stop-payment request. If that happens, the payment is marked failed, no payout is made (or, if payout had already occurred, Rifflynk may seek repayment from the organization), and the organization remains responsible for the amount owed to the musician for services already rendered, to be settled directly between the parties. Repeated failed ACH payments may result in ACH being disabled for an account.
• Crypto-specific terms.
• Irreversibility. Crypto payments made on the Service settle on a public blockchain network (Ethereum, Solana, Polygon, or Base, depending on the network selected) using USDC. Once confirmed on-chain, a crypto transaction generally cannot be reversed, canceled, or recalled by Rifflynk, Stripe, or any bank.
• Refunds go to the original wallet only. If a refund is issued for a crypto payment, it is returned to the same wallet address and network the payment was sent from. Rifflynk cannot issue a crypto refund to a different address, a bank account, or a card, and cannot reverse a payment sent to an incorrect address or the wrong network.
• No liability for wallet or network errors. You are solely responsible for using the correct wallet address and the correct network. Rifflynk is not liable for funds lost, delayed, or misdirected because of an incorrect address, an unsupported or mismatched network, wallet misconfiguration, or any other error outside our payment processor's control.
• Identity verification (KYC). Stripe, as our payments and crypto-payout processor, may require identity verification ("Know Your Customer" / KYC) information from a musician before enabling USDC payouts, and may decline, delay, or reverse a crypto transaction to comply with sanctions, anti-money-laundering, or other legal requirements. Rifflynk does not control these determinations.
• Beta / opt-in. Crypto is offered as an optional, beta payment method. We may modify, suspend, or discontinue it at any time.
• Payout method. A musician may choose to receive payouts to a linked bank account or, where Rifflynk offers it, to a linked USDC wallet added in their payout settings. Choosing a USDC wallet is the musician's own choice and carries the same irreversibility and wrong-address/wrong-network risks described above; Rifflynk is not liable for payouts sent to a wallet address the musician provided incorrectly.
• Receipts. Both the paying organization and the musician receive a receipt for each in-app payment by email, showing the amount, payment method, and fee charged.
• Fee reporting. The fee rate applied to each transaction is recorded with that transaction for reconciliation and is reflected in each party's payment history in the Service.
• Tax forms. Musicians who receive payments through the Service are paid as independent contractors of the organization that books them, not as employees or contractors of Rifflynk. Where required, Stripe, as the payments processor, will issue applicable year-end tax forms (such as a 1099-K) to musicians who meet the reporting thresholds, regardless of which payment or payout method was used. You are responsible for your own taxes. Rifflynk does not provide tax, legal, or accounting advice; consult a professional about your situation.
• No guarantee. Rifflynk does not guarantee that any organization will pay, or that any musician will perform. In-app payment is a convenience, not a guarantee of performance by either user.
• Taxes on the fee. The service fee is exclusive of any applicable taxes unless stated otherwise.
• Nonprofit tax exemption. An organization that is a tax-exempt nonprofit may provide its exemption details (such as an exemption or EIN number and issuing state) in its settings to claim exemption from applicable taxes on the service fee. By claiming exemption, the organization attests that it is a valid tax-exempt entity and that the details provided are accurate and current. Claims are subject to review and approval by Rifflynk before the exemption takes effect, and Rifflynk may request supporting documentation, or decline or revoke an exemption at its discretion. Review does not shift responsibility: the organization remains solely responsible for the validity of the information it provides. Providing false or inaccurate exemption information is a breach of these Terms, and the organization remains liable for any resulting taxes, penalties, and interest.

8. Dispute Resolution, Refunds, and Chargebacks

How a payment dispute is handled depends on the payment method used, because each rail works differently:

• Card payments. The paying organization's card issuer may allow a chargeback under the card network's own rules. Rifflynk and Stripe will respond to chargebacks with available transaction records, but the outcome is determined by the card issuer/network, not by Rifflynk.
• ACH payments. Bank transfers use ACH return codes rather than chargebacks. A bank may return a debit (for example for insufficient funds, an unauthorized-debit claim, or a closed account) within the timeframes set by NACHA rules and the receiving bank's own policies. A successful return functions like a failed payment under Section 7 above.
• Crypto payments. USDC payments made over a blockchain network have no card-network-style chargeback or bank-style return mechanism. There is no formal dispute process for a confirmed crypto transaction — see the irreversibility disclosure in Section 7. Any refund is issued at Rifflynk's or the organization's discretion, subject to the "refunds go to the original wallet only" rule in Section 7.
• General. Rifflynk is not a party to the underlying booking arrangement and does not adjudicate service-quality disputes between an organization and a musician (see Section 6). Payment-processing disputes (chargebacks, ACH returns, and refund requests we agree to issue) are handled through Stripe. Contact support@rifflynk.com to report a payment problem; we will assist where we can, but final outcomes for card and ACH disputes are determined by the card issuer, receiving bank, or Stripe under their own rules, and crypto transactions cannot be reversed once confirmed.

9. Content and License

You retain ownership of content you post (such as profile photos, bios, and messages), but grant Rifflynk a non-exclusive, worldwide license to host, store, and display that content within the Service for the purpose of operating it.

10. Copyright and Intellectual Property; DMCA

You may only post content that you own or have the right to use, and you must not post content that infringes anyone's copyright, trademark, or other intellectual property or privacy rights. The Rifflynk name, logo, and the Service itself (excluding user content) are owned by Rifflynk and may not be copied or used without permission. If you believe content on the Service infringes your copyright, send a notice to support@rifflynk.com that includes: (a) identification of the copyrighted work; (b) identification of the material you claim is infringing and where it appears; (c) your name, address, and contact information; (d) a statement that you have a good-faith belief the use is not authorized by the owner, its agent, or the law; (e) a statement, under penalty of perjury, that the information is accurate and that you are the owner or authorized to act on the owner's behalf; and (f) your signature. We will respond to valid notices consistent with the Digital Millennium Copyright Act, may remove infringing material, and may terminate repeat infringers.

11. Faith-Based and Scripture Content

The Service may display Bible verses and other faith-based or inspirational content. By using the Service you acknowledge and agree that:

• Such content is provided for general encouragement and inspiration only;
• We do not claim that every user, church, organization, or musician agrees with any particular verse, translation, interpretation, or religious viewpoint shown;
• Faith-based content is NOT professional counseling, pastoral care, legal, medical, mental-health, financial, or crisis advice or support. If you need help, please seek a qualified professional; if you are in crisis, contact local emergency services or a crisis hotline;
• We are not liable for how any user interprets, responds to, shares, or reacts to faith-based content;
• Users who prefer not to engage with faith-based content may disregard it, and we may provide settings to limit its visibility where available;
• Churches, organizations, and musicians are responsible for their own beliefs, conduct, communication, and decisions;
• We do not guarantee theological accuracy, doctrinal agreement, or denominational alignment unless specifically stated; and
• Scripture quotations are provided as short, commonly worded renderings for encouragement, and any scripture, quotation, or religious text used in the Service is intended to be used in compliance with applicable copyright and licensing requirements.

12. Use of Artificial Intelligence

You acknowledge and agree that:

• Rifflynk was designed and built with the assistance of artificial intelligence (AI) tools, including AI-assisted software development. Like all software, software built with AI assistance may contain errors, bugs, or unexpected behavior, and the Service is provided "as is" and "as available" as described in these Terms;
• The Service may also use AI and other automated systems to operate features such as matching, search, notifications, content moderation, or communications, and these systems can make mistakes — we do not guarantee that any automated match, result, or moderation decision is accurate, complete, or suitable for your needs;
• Any AI-generated or AI-assisted content shown in the Service is for convenience and general information only, is not professional, legal, financial, tax, medical, or pastoral advice, and should be independently verified before you rely on it; and
• You remain solely responsible for your own decisions, communications, bookings, payments, and content, whether or not AI or automated tools were involved. We may add, change, or remove AI-assisted features at any time.

13. Termination

We may suspend or terminate accounts that violate these Terms or that we reasonably believe pose a risk to other users. You may stop using the Service and delete your account at any time. Deleting your account does not automatically reverse any completed in-app payments; refunds and disputes are handled as described in Sections 7 and 8 above.

14. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, error-free, or available at any particular time, and we do not guarantee the accuracy of user-submitted content, the identity, qualifications, or conduct of any user, or the outcome of any booking or interaction between users. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

15. Limitation of Liability

To the maximum extent permitted by law, Rifflynk is not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business, arising from or relating to your use of the Service, including disputes between users, user communications, missed or non-performing bookings, payment failures, or conduct that occurs outside the platform, whether based on warranty, contract, tort, or any other theory, and whether or not we were advised of the possibility of such damages. Our total liability for any and all claims relating to the Service will not exceed the greater of the amount you paid us in the twelve months before the claim or USD $100. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

16. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Rifflynk and its operator, and their respective affiliates, successors, and assigns (the "Rifflynk Parties"), from and against any and all claims, demands, disputes, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) content you post or send; (c) your bookings, arrangements, performances, payments, or interactions with other users, whether on or off the Service; (d) your violation of these Terms or of any law or the rights of any third party; or (e) any dispute between you and another user. We may assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense.

17. Disputes Between Users; Release

Rifflynk is only a venue for connecting users and is not a party to any arrangement, booking, communication, or transaction between them. You are solely responsible for your interactions with other users. To the fullest extent permitted by law, you release the Rifflynk Parties from any and all claims, demands, damages, and disputes of every kind, known or unknown, arising out of or connected with a dispute between you and one or more other users, including their conduct, communications, bookings, cancellations, no-shows, non-payment, performance or non-performance, or any injury, loss, or harm arising from an in-person interaction. If you are a California resident, you waive California Civil Code Section 1542, which states that a general release does not extend to claims the releasing party does not know or suspect to exist at the time of the release, and you waive any comparable law of any other jurisdiction.

18. Dispute Resolution; Arbitration; Class Action Waiver

Please read this section carefully — it affects how disputes with Rifflynk are resolved and limits your rights.

• Informal resolution first. Before starting any formal proceeding, you agree to contact us at support@rifflynk.com and try in good faith to resolve the dispute informally for at least 30 days.
• Binding individual arbitration. Except for disputes that qualify for small-claims court, any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by final and binding individual arbitration administered by a recognized arbitration provider under its consumer arbitration rules, rather than in court. The arbitration will take place in Texas or, at your election, by phone or video, and judgment on the award may be entered in any court of competent jurisdiction.
• Class action waiver. You and Rifflynk agree that each may bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims.
• Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect its intellectual property.
• Opt-out. You may opt out of this arbitration and class-waiver agreement within 30 days of first accepting these Terms by emailing support@rifflynk.com with your name and a statement that you opt out. Opting out does not affect any other part of these Terms.

19. Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

20. Governing Law

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules. Subject to the arbitration provisions above, any dispute not subject to arbitration will be brought exclusively in the state and federal courts located in Texas, and you consent to their jurisdiction.

21. General

• Changes to the Service. We may change, suspend, or discontinue any part of the Service at any time, and we are not liable to you for doing so.
• Feedback. If you send us suggestions, ideas, or feedback (including bug reports), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without obligation to you.
• Assignment. You may not assign or transfer these Terms without our consent. We may assign these Terms, including to a successor in connection with a merger, acquisition, financing, or sale of assets.
• Severability. If any provision is found unenforceable, it will be limited or removed to the minimum extent necessary and the rest will stay in full force.
• No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
• Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including outages of third-party services such as our hosting, database, or payment providers.
• Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and Rifflynk regarding the Service and supersede any prior agreements.

22. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

23. Contact

Questions about these Terms, or reports of conduct that violates them, can be sent to support@rifflynk.com.