Terms of Service

1. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract to register as a Pro. You're responsible for the accuracy of the information you provide, for maintaining the confidentiality of your account credentials, and for all activity that occurs under your account. Notify us promptly of any unauthorized use of your account.

2. Description of the Service

Loft provides tools for Pros to run their coaching business, including:

• A public booking page for Students to schedule private lessons, join group sessions, and purchase lesson packages
• Scheduling, availability management, and calendar sync
• Student records, notes, performance tracking, and package/invoice management
• Payment processing via Stripe Connect
• Automated email/SMS reminders, follow-ups, and rebooking nudges

We may add, change, or remove features at any time. We'll try to give reasonable notice of changes that materially reduce the Service's functionality for existing Pros.

3. Subscription, fees, and billing

Loft is currently offered free of charge to Pros during early access. We may introduce paid plans or fees in the future. If we do, we'll describe them clearly at sign-up or in your account settings before they apply to you, and we'll give existing Pros advance notice. Any future fees would be billed in advance on the applicable billing cycle and are non-refundable except as required by law or as we otherwise state in writing. Continued use of the Service after a fee takes effect means you accept it.

4. Payments through Stripe

Payment processing is provided by Stripe, Inc. via Stripe Connect, and is subject to the Stripe Connected Account Agreement and Stripe's own terms. By connecting a Stripe account, a Pro agrees to those terms and authorizes Loft to facilitate transactions, refunds, and payouts on their behalf through Stripe. We are not a party to the payment relationship between a Pro and their Students, and we are not responsible for Stripe's acts, omissions, or availability. Payments a Student makes flow to the Pro's own connected Stripe account, and Loft does not take a percentage of those payments. Standard Stripe processing fees still apply and are set by Stripe. If we introduce a Loft transaction or platform fee in the future, we'll disclose it before it applies to you.

5. Bookings, cancellations, and refunds

Each Pro sets their own availability, pricing, and cancellation policy, shown on their public booking page. Loft is not a party to the coaching relationship between a Pro and a Student — disputes about a specific lesson, cancellation, refund, or the quality of instruction are between the Pro and the Student. We provide the platform that facilitates the booking and payment, but we do not guarantee that any Pro will honor a booking, and we are not responsible for a Pro's conduct, availability, or coaching quality.

6. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, or in violation of any applicable law or regulation
• Submit false, misleading, or fraudulent information through a booking page, inquiry form, or account profile
• Attempt to circumvent rate limits, security measures, or access controls, or scrape or systematically extract data from the Service
• Interfere with or disrupt the integrity or performance of the Service or its infrastructure
• Use the Service to send unsolicited communications (spam), or to harass, abuse, or harm another person
• Impersonate any person or entity, or misrepresent your affiliation with a person or entity
• Upload content that infringes another party's intellectual property or privacy rights

We may suspend or terminate accounts that violate this section, with or without notice, depending on severity.

7. Pro responsibilities for Student data

As between a Pro and Loft, the Pro is responsible for having a lawful basis to collect and store information about their Students (including junior students' information, per Section 8 of our Privacy Policy), for the accuracy of records they enter, and for their own communications sent to Students (including any automations they configure). Pros must comply with applicable privacy and data protection laws in how they use the Service to manage their business.

Minors. A Pro who adds or stores information about a minor Student represents and warrants that they have obtained verifiable consent from that Student's parent or legal guardian to do so, and that they have the right to provide that information to Loft. The Pro is solely responsible for obtaining and keeping records of that consent.

Communications and consent. A Pro is responsible for ensuring they have the necessary consent to send messages to their Students and for complying with anti-spam laws (including CAN-SPAM and CASL). Automated emails sent through the Service include an unsubscribe link, and the Service honors a Student's opt-out automatically; Pros must not attempt to circumvent a Student's unsubscribe request.

Text messages. Where a Pro enables SMS automations, the Pro is additionally responsible for obtaining any prior express consent required to send text messages under applicable law (including the U.S. Telephone Consumer Protection Act (TCPA)) and for meeting any carrier registration requirements. Message and data rates may apply to recipients, and recipients can typically opt out of automated texts at any time by replying STOP.

8. Content and ownership

Pros retain ownership of the content they upload or enter (profile content, Student records, notes, photos, and videos). By uploading content, a Pro grants Loft a limited license to host, store, display, and process it solely to provide the Service. We claim no ownership over Pro or Student content. Loft and its licensors retain all rights in the Service itself — its software, design, and branding.

9. Third-party services

The Service relies on and integrates with third-party providers, including Clerk (authentication), Stripe (payments), Resend (email), Twilio (SMS), Anthropic (AI-assisted features), Neon (database hosting), and Vercel (application hosting). Your use of features backed by these providers is also subject to their respective terms. We are not responsible for the acts, omissions, or availability of third-party services.

10. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE DO NOT WARRANT OR ENDORSE THE QUALITY, SAFETY, OR CONDUCT OF ANY PRO OR THE COACHING SERVICES THEY PROVIDE.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOFT AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DON'T ALLOW THESE LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

12. Indemnification

You agree to indemnify and hold Loft harmless from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party, including a Student's or Pro's rights.

13. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access to the Service if you violate these Terms, at our discretion, with notice where practical. Upon termination, your right to use the Service ends immediately; sections of these Terms that by their nature should survive termination (including Sections 10–12) will survive.

14. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we'll update the “Last updated” date and, where appropriate, notify Pros directly. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

15. Governing law and disputes

These Terms are governed by the laws of [Loft: insert your state/country of incorporation or principal place of business], without regard to its conflict-of-laws principles. Any dispute arising from these Terms or the Service will be resolved in the state or federal courts located in [Loft: insert your chosen venue], and you consent to personal jurisdiction there. [Loft: consider whether you want an arbitration clause and/or class-action waiver here — common for U.S. SaaS terms, but a decision worth making deliberately with counsel.]

16. Contact us

Questions about these Terms? Contact us at jeffreycurlew@me.com.