These Terms of Service govern your use of StubGuys. They also fold in the rules that apply when you take part in our community, build on our API, sell tickets as a merchant, or use the StubGuys name and marks — our Community Guidelines, API Terms of Use, Merchant Agreement, and Trademark & Copyright Policy.
Terms of Service
By accessing or using StubGuys' Services, you agree to these Terms of Service, which include a BINDING ARBITRATION AND CLASS ACTION WAIVER that may affect your legal rights. Please read Section 9 very carefully.
1. Accepting These Terms
These Terms of Service ("Terms") are a binding agreement between you and StubGuys LLC, a Delaware limited liability company ("StubGuys," "we," "us," or "our"). By creating an account, purchasing a ticket, creating an event, or otherwise accessing or using any StubGuys website, mobile application, API, embedded checkout, or related service (collectively, the "Services"), you accept these Terms.
Some key definitions used throughout these Terms:
- "Organizer" — a User who creates, posts, or manages events, sells tickets or registrations, or uses our organizer tools (including payouts, team roles, StubConnect for organizers, and StubGuys AI features).
- "Attendee" or "Consumer" — a User who discovers events, purchases tickets or registrations (paid, free, or donation-based), attends events, or uses StubConnect.
- "Content" — information, data, text, images, audio, video, and other materials made available through the Services, whether by StubGuys, Organizers, Attendees, or third parties.
- "Your Content" — Content you contribute, provide, post, or make available through the Services.
- "StubConnect" — our social connection features that help Attendees form groups, match with other attendees, keep connections after events, and discover their next event.
If you use the Services on behalf of an entity (such as your employer or a company you organize events for), you represent that you have authority to bind that entity to these Terms, and "you" refers to that entity.
These Terms incorporate by reference the StubGuys Merchant Agreement (for Organizers), Privacy Policy, Cookie Statement, Community Guidelines, Organizer Refund Policy Requirements, API Terms of Use, and Trademark & Copyright Policy. Where a specific agreement conflicts with these Terms as to its subject matter, the specific agreement controls.
2. StubGuys' Services and Role
StubGuys is an operating system for event businesses. Through our Services, Organizers can create, publish, and manage online and in-person events; sell paid tickets, offer free registrations, or accept donations; grow their audience with marketing tools; operate the door with check-in and team roles; and connect attendees to one another through StubConnect. Attendees can discover events, purchase tickets, transfer or resell tickets at face value, and keep the connections they make.
We are not the creator, organizer, or owner of the events listed on the Services, nor are we the seller of tickets or registrations. The Organizer is solely responsible for its events, including delivery of the event as advertised, compliance with all applicable laws, honoring its posted refund policy, and obtaining all required licenses and permits. When you purchase a ticket, you are transacting with the Organizer; StubGuys acts as the Organizer's limited payments agent to facilitate the transaction through our payment processing partners.
2.1 StubGuys AI
Certain features are assisted by StubGuys AI, our built-in drafting assistant. StubGuys AI suggests; a human applies. AI-generated suggestions (for example, a drafted ad campaign or a set of ad copy variants) take effect only when you explicitly apply them. StubGuys AI never moves money, never changes a ticket price, and never publishes anything on its own, and its outputs are subject to the same validation as human input. You are responsible for reviewing AI suggestions before applying them.
2.2 Pricing Transparency
StubGuys charges no monthly fees and no setup fees. Our pricing is pay-as-you-sell: a platform fee of 3% + $1.79 per paid ticket and a payment processing fee of 2.9% + $0.30 per paid ticket. Free tickets carry no fees. Sales tax is calculated automatically and applied only when the jurisdiction and event type make admission taxable. Every checkout is fully itemized — subtotal, platform fee, processing fee, and sales tax each appear as their own line. See Section 14 (Fees and Refunds).
3. Privacy and Consumer Information
Our Privacy Policy explains how we collect, use, and share Personal Data. Organizers receive certain Attendee information in connection with their events and must use it only in connection with the event, in compliance with applicable law, the Merchant Agreement, and our Data Processing Addendum for Organizers. Organizers may not sell Attendee data or use it for unrelated marketing without a lawful basis and any required consent.
StubConnect features are consent-based. Attendees choose whether to be discoverable, whether to join groups, and which connections to keep after an event. We never share your contact details with another attendee without your action.
3.1 SMS and Text Messaging
If you provide a mobile phone number to StubGuys, you consent to receive text messages (SMS) from us at that number. These messages are limited to: (a) account and transaction notifications, such as ticket purchase and transfer confirmations and order updates; (b) verification codes for two-factor authentication and login or checkout security; and (c) event-related messages for events you buy tickets to, including reminders, schedule or venue changes, and group-purchase ("crew") invitations you or a fellow buyer initiate. We do not send marketing or promotional text messages without separate, express consent.
Message frequency varies based on your activity. Message and data rates may apply. Consent to receive texts is not a condition of purchasing any goods or services. You can opt out at any time by replying STOP to any message, after which you will receive no further texts except a single confirmation that you have been unsubscribed. Reply HELP for help, or contact us at support@stubguys.com. Carriers are not liable for delayed or undelivered messages. How we handle the phone numbers and other Personal Data associated with these messages is described in our Privacy Policy.
If you enter another person's phone number to invite them to a crew or share an event, you confirm that you have that person's permission to send them a one-time text on your behalf. These are single, user-initiated invitations, not recurring messages.
4. Term; Termination
These Terms apply for as long as you use the Services. You may stop using the Services at any time and may delete your account from settings. We may suspend or terminate your account or access to any part of the Services if you breach these Terms, the Community Guidelines, or any incorporated agreement; if required by law; or to protect the integrity of the Services, other Users, or third parties. Where reasonable, we will give you notice and an opportunity to cure.
Termination does not relieve either party of obligations that accrued before termination, including payment obligations, refund obligations of Organizers, and indemnification. Sections that by their nature should survive (including Sections 6 through 9, 13, and 16) survive termination.
5. Export Controls and Restricted Countries
You may not use the Services if you are located in, or a national or resident of, any country or region subject to comprehensive embargo by the United States, or if you are listed on any U.S. government list of prohibited or restricted parties. You agree to comply with all applicable export control and sanctions laws.
6. Release and Indemnification
Events carry inherent risks, and disputes may arise between Attendees and Organizers. To the maximum extent permitted by law, you release StubGuys from claims arising out of or related to events, the conduct of Organizers or Attendees, and disputes between Users. You agree to indemnify and hold harmless StubGuys and its officers, members, employees, and agents from claims arising out of Your Content, your events (if you are an Organizer), your breach of these Terms, or your violation of law or third-party rights.
7. Disclaimer of Warranties and Assumption of Risk
The Services 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. StubGuys does not warrant that events will occur as advertised, that Content is accurate, or that the Services will be uninterrupted or error-free. You attend events at your own risk. Some jurisdictions do not allow certain warranty disclaimers, so parts of this section may not apply to you.
8. Limitation of Liability
To the maximum extent permitted by law, StubGuys will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill. StubGuys' aggregate liability arising out of or relating to the Services will not exceed the greater of (a) the total fees you paid to StubGuys in the twelve (12) months preceding the event giving rise to liability, and (b) one hundred U.S. dollars ($100). These limitations do not apply to liability that cannot be limited by law.
9. IMPORTANT: Binding Arbitration and Class Action Waiver
READ THIS SECTION CAREFULLY. It requires most disputes between you and StubGuys to be resolved through binding individual arbitration, and it waives your right to a jury trial and to participate in class actions.
Except for small-claims matters and claims for injunctive relief relating to intellectual property or unauthorized use of the Services, any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration will be conducted on an individual basis; class arbitrations and class actions are not permitted. The arbitration will be seated in Delaware unless the parties agree otherwise or the arbitrator determines another location is required for enforceability, and may proceed by videoconference.
You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by emailing legal@stubguys.com with the subject line "Arbitration Opt-Out" from the email address on your account. Opting out does not affect any other provision of these Terms.
10. License to the StubGuys Services
Subject to these Terms, StubGuys grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for their intended purpose. All rights not expressly granted are reserved. You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works of the Services except as permitted by law or the API Terms of Use.
11. Licenses and Permits Organizers Must Obtain
Organizers are solely responsible for identifying and obtaining every license, permit, registration, and authorization required for their events — including venue permits, alcohol licenses, health and safety approvals, music performance licenses (e.g., from applicable performing rights organizations), lottery/raffle authorizations where lawful, and charitable solicitation registrations for donation-based events.
12. Copyright Takedown Notices
We respect intellectual property rights and respond to takedown notices that comply with applicable law, including the Digital Millennium Copyright Act. See the StubGuys Trademark & Copyright Policy for how to submit a notice or counter-notice, and our repeat-infringer policy. Notices may be sent to copyright@stubguys.com.
13. Scraping or Commercial Use of Site Content Is Prohibited
You may not scrape, crawl, harvest, or use automated means to extract Content from the Services, and you may not use Content for commercial purposes outside the Services, except as expressly permitted by the API Terms of Use. Rate limits and technical protections may be enforced, and violations may result in termination and legal action.
14. Fees and Refunds
14.1 Fees
For each paid ticket: platform fee of 3% + $1.79 and payment processing fee of 2.9% + $0.30. Sales tax is applied automatically only where the jurisdiction and event type make admission taxable — sourced to the event location for physical events and to the purchaser's location for online events — and is calculated on the ticket subtotal. Free tickets carry no fees. Donations incur processing costs only when a payment is actually processed. There are no monthly fees and no setup fees.
Organizers choose a Fee Responsibility setting per event: organizer absorbs the fees, the attendee pays them, or they are split. Regardless of who pays, checkout is always fully itemized — each fee appears as its own line and is never bundled into a single "service fee."
14.2 Refunds
Attendees may request refunds up to seven (7) days before the event start (or a longer window if the Organizer configures one). StubGuys fees are non-refundable, except that if an Organizer cancels an event, Attendees receive a full refund including fees, funded by the Organizer. Refund obligations belong to the Organizer; see the Organizer Refund Policy Requirements. Optional Refund Protection (6% of the order, minimum $6.50) is available at checkout and permits refunds outside the standard window under its terms.
14.3 Resale and Transfers
Ticket resale through StubGuys is face value only — anti-gouging by design. Buyers pay the standard itemized checkout fees per the event's Fee Responsibility setting; sellers always receive the full face value as wallet credit. Only tickets you purchased may be resold (transferred-in tickets may not be). Ticket transfers and passes expire after 48 hours if unclaimed, returning the ticket to the sender; on any transfer or resale the ticket is re-issued with a new QR code and the old code is voided.
14.4 Wallet Credit
Wallet credit is earned (from resale proceeds, referrals, or refund credits), never purchased. It is non-transferable, cannot be cashed out, and is automatically applied at checkout before any card charge.
When an order paid partly with wallet credit is refunded (in full or in part), each portion returns to its source in the same proportion it was paid: the card portion is refunded to the card, and the credit portion is returned to your wallet as refund credit.
15. Your Account
You must provide accurate registration information and keep it current. You are responsible for all activity under your account and for maintaining the confidentiality of your credentials. Account verification uses 6-digit one-time passcodes. Notify us immediately of any unauthorized use at trust@stubguys.com.
16. Your Content and Your Trademarks
You retain ownership of Your Content. You grant StubGuys a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, and distribute Your Content as needed to operate, improve, and promote the Services. You represent that you have all rights necessary to grant this license and that Your Content does not violate law or third-party rights. Organizer trademarks remain the Organizer's; StubGuys may display them to identify the Organizer's events.
17. Notices
We may provide notices by email to the address on your account, by in-product notification, or by posting to the Services. Legal notices to StubGuys must be sent to legal@stubguys.com and to StubGuys LLC, Attn: Legal, at our registered address [NEEDS SPEC: registered business address].
18. Modifications to the Terms or Services
We may modify these Terms from time to time. For material changes, we will provide at least fourteen (14) days' notice by email or in-product notice before the changes take effect. Your continued use of the Services after the effective date constitutes acceptance. We may also modify or discontinue features of the Services; if a change materially reduces paid functionality for an Organizer with events on sale, the Organizer may terminate and receive payouts in accordance with the Merchant Agreement.
19. Assignment; General
You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. If any provision is found unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. These Terms, together with the incorporated agreements, are the entire agreement between you and StubGuys regarding the Services.
Community Guidelines
StubGuys brings together a community of attendees, organizers, and brands around live and online experiences — and StubConnect makes those connections last beyond the event. That only works if the marketplace is safe, honest, and respectful. These Community Guidelines describe what is not allowed on StubGuys. They are part of the StubGuys Terms of Service, and violations may result in content removal, event unpublishing, feature restrictions, payout holds, or account termination.
Building a Strong Community
These Guidelines apply to everything on StubGuys: event listings, images, descriptions, organizer profiles, attendee profiles, StubConnect groups and messages, reviews, and any other Content. Context matters — content that is prohibited as promotion may be acceptable in clearly educational, journalistic, or harm-reduction contexts. Our Trust & Safety team applies these Guidelines with judgment, and StubGuys AI helps surface potentially violating content for human review; enforcement decisions that remove events or affect money are made or confirmed by humans.
How to Flag Violating Content
If you encounter content or an event that you believe violates these Guidelines, report it using the "Report" action on the listing or profile, or email trust@stubguys.com with a link and description. Reports are confidential. Do not use reporting to harass other users or to gain a competitive advantage; abusive reporting is itself a violation.
How StubGuys Moderates Content
We use a combination of proactive detection, user reports, and human review. Depending on severity, we may remove content, unpublish an event, pause ticket sales, hold payouts pending review, restrict StubConnect features, or terminate accounts. Where appropriate we notify the account holder and offer an appeal at trust@stubguys.com. We may notify law enforcement where we believe there is a risk of harm.
Prohibited Content and Activities
Animal Abuse
Events or content depicting, promoting, or facilitating cruelty to animals, including staged animal fighting, illegal hunting experiences, and the sale of endangered species or their parts.
Bullying and Harassment
Content or behavior that degrades, intimidates, or shames another person, including within StubConnect groups and messages. This includes unwanted sexual advances, doxxing threats, and coordinated harassment. StubConnect includes block and report tools; circumventing a block is a violation.
Child Endangerment
Zero tolerance. Any content that sexualizes, exploits, or endangers minors results in immediate removal, account termination, and report to the National Center for Missing & Exploited Children and law enforcement as required. Events serving minors must comply with all applicable supervision and safety laws.
Controlled Substances
Events may not facilitate the sale or distribution of illegal drugs or prescription medication. Cannabis-related events are permitted only where lawful in the event's jurisdiction, may not include sale or consumption transactions through StubGuys checkout where prohibited, and must be age-gated as required by local law.
Dangerous Organizations or Individuals
Organizations or individuals that engage in terrorism, organized hate, or organized crime may not use StubGuys, and events may not celebrate or fundraise for them.
Exploitation
Content or events facilitating human trafficking, sexual exploitation, or the purchase of services from exploited persons is prohibited and will be reported to authorities.
Fraud and Scams
We prohibit content and activities intended to defraud users or third parties, including fake or misleading events, events the organizer has no intention or ability to deliver, phishing, pyramid schemes, and fake engagement. Because StubGuys resale is face-value only, attempts to circumvent face-value resale (off-platform markup, bundled "fees" to inflate resale price, or bot-assisted bulk buying) are fraud under these Guidelines and grounds for termination.
Gambling, Raffles, Sweepstakes, and Giveaways
Gambling events and games of chance are allowed only where lawful and licensed in the event's jurisdiction. Raffles, sweepstakes, and giveaways must comply with local law, including registration and no-purchase-necessary requirements where applicable. Donation-based entries that function as unlawful lotteries are prohibited.
Harmful Misinformation
Content that presents demonstrably false claims likely to cause real-world harm — including dangerous health misinformation and content designed to interfere with civic processes — is prohibited.
Hate Speech
Disparagement of, discrimination against, or dehumanization of people based on race, ethnicity, national origin, religion, caste, sexual orientation, sex, gender identity, disability, serious disease, or immigration status is prohibited, in listings and in StubConnect.
Illegal Content and Activities
Events and content may not facilitate illegal activity, including the sale of stolen goods, counterfeit items, or weapons in violation of law.
Interference with Integrity and Security of StubGuys Services
Prohibited: attempts to probe or breach security, scraping in violation of the Terms, bot purchases during on-sales, circumventing queue or CAPTCHA protections, manipulating waitlists, creating accounts to evade enforcement, manipulating reviews or ratings, and abusing referral credits (including self-referral).
Invasion of Privacy
Posting another person's private information without consent (home address, government ID, financial information, private contact details) is prohibited. Organizers must handle attendee data in accordance with the Privacy Policy, the Merchant Agreement, and applicable data protection law.
Misrepresentation
Do not misrepresent yourself, your affiliation, or your event, and do not use StubGuys to facilitate transactions in a misleading manner. Event listings must accurately describe the date, time, venue, format (physical, online, or hybrid), lineup, and what a ticket includes. Material changes must be communicated to ticket holders promptly and re-open the refund window as described in the Organizer Refund Policy Requirements.
Regulated Goods and Services
Events involving alcohol, tobacco, firearms (where lawful), or adult content must comply with all applicable laws, carry required licenses, and use appropriate age restrictions. Sexually explicit services are prohibited.
Self-Harm
Content that promotes or glorifies self-harm, suicide, or eating disorders is prohibited. Events providing support and recovery resources are welcome.
Spam
Duplicate listings, keyword stuffing, misleading metadata, unsolicited bulk StubConnect messages, and off-topic promotional content are prohibited.
Violence and Incitement
Content that incites, threatens, or glorifies violence against people or property is prohibited, as are events organized to commit violence.
StubConnect-Specific Standards
StubConnect exists to help people build real connections around events. In groups, matches, and messages: be respectful; no harassment, hate, or unwanted sexual content; no impersonation; no commercial spam; and no attempts to move minors into private conversations. Consent is the default — users control discoverability, group membership, and which connections they keep. Violations may result in loss of StubConnect access independent of ticketing privileges.
Consequences and Appeals
Enforcement is proportional to severity and history: warnings, content removal, event unpublishing, sales pauses, payout holds pending investigation, StubConnect restrictions, and account termination. Egregious violations (child endangerment, fraud, violence) result in immediate termination. You may appeal any enforcement decision by replying to the enforcement notice or emailing trust@stubguys.com within 30 days; appeals are reviewed by a human.
API Terms of Use
1. Terms and Your Acceptance
1.1 Acceptance and Scope
These API Terms of Use ("API Terms") govern access to and use of the StubGuys APIs (base URL https://api.stubguys.com/v1), the embedded checkout (js.stubguys.com/embed.js), webhooks, API keys, and related documentation (together, the "StubGuys APIs"). By requesting an API key or using the StubGuys APIs, you accept these API Terms.
1.2 Incorporation by Reference
These API Terms incorporate the StubGuys Terms of Service, Privacy Policy, and — if you act on behalf of Organizers — the Merchant Agreement and Data Processing Addenda. If these API Terms conflict with those documents as to API usage, these API Terms control.
1.3 Modifications
We may modify these API Terms with notice per the Terms of Service. API changes within a version are additive only; breaking changes ship as a new version with a reasonable migration window.
2. API License
2.1 License
Subject to these API Terms, StubGuys grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access the StubGuys APIs to develop, test, and operate your application ("Application") and to display Site Content within it. Authentication uses the documented schemes: public endpoints, attendee and organizer JWTs, server API keys, and origin-checked embed keys. Keep credentials secret; server keys must never ship in client code.
2.2 Termination of License
You may terminate by discontinuing use of the StubGuys APIs and deleting stored Content. We may suspend or terminate your license if you breach these API Terms, if your Application creates risk or legal exposure, if allowing access would violate law, or if we discontinue an API aspect (with notice where practicable). Upon termination you must promptly delete all stored Content and destroy or return confidential materials. Sections 1, 3, and 5 through 8 survive.
3. Your Obligations and Restrictions
3.1 Storage of Site Content
You may cache Site Content relating to upcoming events to serve your Application, refreshed at reasonable intervals. Do not build a standing archive of Site Content, and delete Content relating to past events unless the user has an ongoing relationship with it (e.g., their own tickets).
3.2 Required Information
If you display event information, you must display it accurately — including the full itemized price where you display pricing (subtotal, platform fee, processing fee, and tax as separate lines; never a bundled "service fee") — and link to the event page on StubGuys.
3.3 Branding
You must identify StubGuys as the source of event data per our brand guidelines. StubGuys may publicly refer to you as an API licensee and display your name and logo to identify the integration. Do not imply StubGuys endorsement of your Application.
3.4 Responsibility
You are solely responsible for your Application and its use by your users, including their privacy, security, and support. You must have a posted privacy policy that accurately covers your handling of data obtained through the StubGuys APIs.
3.5 Rate Limits
Documented rate limits apply and may vary by endpoint; as a baseline, write operations are limited to 60 requests per minute and checkout initiation to 10 per minute per user, with stricter, queue-protected limits during high-demand on-sales. Money-mutating calls require an Idempotency-Key header; retries must reuse the same key. Do not attempt to evade rate limits, queues, or CAPTCHA protections.
3.6 Other Restrictions
You must not: (a) use the StubGuys APIs to build or feed a product that competes with the Services; (b) scrape or bulk-export Content beyond the license in Section 3.1; (c) use the APIs for any unlawful, misleading, or discriminatory purpose, including ticket price gouging (resale above face value is prohibited on and off platform for tickets issued by StubGuys); (d) operate safety-critical or mission-critical systems on the APIs; (e) reverse engineer non-public aspects of the Services; (f) resell, rent, or redistribute API access; (g) remove proprietary notices; (h) interfere with the integrity or performance of the Services; or (i) misrepresent the origin of requests or rotate credentials/IPs to evade enforcement.
4. Data Protection
Personal Data obtained through the StubGuys APIs may be used only to serve the user it belongs to, within your Application, consistent with your privacy policy, applicable law, and — where you process on behalf of an Organizer — the Data Processing Addendum. Do not sell it, use it for advertising audiences, or retain it after the user disconnects your Application. Report suspected breaches involving API-obtained data to security@stubguys.com within 48 hours.
5. Security
You must protect API credentials, use HTTPS for all calls, verify webhook signatures, and follow documented security requirements. We may throttle, suspend, or revoke credentials that show signs of compromise.
6. Fees
API access is currently provided without separate charge. Platform and processing fees on transactions completed through the APIs or embedded checkout are the same as on StubGuys surfaces: 3% + $1.79 platform and 2.9% + $0.30 processing per paid ticket, plus applicable sales tax — always itemized.
7. Disclaimers; Limitation of Liability
The StubGuys APIs are provided "as is" without warranties, and without any service-level commitment unless separately agreed in writing. StubGuys' aggregate liability under these API Terms will not exceed one hundred U.S. dollars ($100) or, if greater, the amounts you paid StubGuys for API access in the prior twelve (12) months. The indemnification, arbitration, and general provisions of the Terms of Service apply.
8. Contact
Developer support and abuse reports: api@stubguys.com. Documentation: developers.stubguys.com.
Merchant Agreement
This Merchant Agreement governs your use of StubGuys' Organizer Services, including ticketing, payment processing, payouts, marketing, and StubGuys AI tools. It is incorporated into, and should be read with, the StubGuys Terms of Service. Where this Merchant Agreement conflicts with the Terms of Service as to Organizer Services, this Merchant Agreement controls.
1. Who We Are
1.1 About Us
StubGuys LLC is a Delaware limited liability company ("StubGuys," "we," "us"). References to StubGuys include our affiliates and each of their respective officers, members, employees, and agents.
1.2 StubGuys Organizer Services
The "Organizer Services" include: (a) Ticketing Services — event creation and publishing, paid/free/donation ticket types, capacity and tier management, checkout, payment processing through our Payment Processor Partners, refunds, face-value resale infrastructure, transfers, check-in and door tools; (b) Growth Services — event pages, email and marketing tools, referral programs, audience insights, and StubGuys AI suggestions; (c) Operate Services — team roles (Owner, Co-organizer, Finance, Door Staff, and custom roles), payouts, reporting, and reconciliation; and (d) Connect Services — StubConnect features for your attendees.
2. Our Merchant Agreement
2.1 Purpose and Scope
This Merchant Agreement sets the terms for your use of the Organizer Services. By using the Organizer Services or registering as an Organizer, you also agree to the Terms of Service, Privacy Policy, Community Guidelines, Organizer Refund Policy Requirements, and Data Processing Addendum for Organizers, without modification. Do not use the Organizer Services if you do not agree.
3. Eligibility for Organizer Services
3.1 Eligibility
We may approve or deny registration at our discretion, consistent with law. You must be at least 18 years old and able to form a binding contract. You represent that all Registration Data you provide is accurate and complete, and you will keep it current.
3.2 Additional Registration Data
After registration we may require additional information to verify your identity and assess risk — for example, legal entity documentation, beneficial ownership, tax identifiers (e.g., IRS Form W-9/W-8), bank account verification through a bank-connection provider, and event history. Verification uses 6-digit one-time passcodes where codes are required. This verification flow is not yet integrated with a live vendor; see our Privacy Policy Sub-Processors list for the vendors actually in use today.
3.3 Disclosure Authorization
You authorize us to share Registration Data and transaction data with our Payment Processor Partners (once integrated), card networks, financial institutions, and service providers who help us verify identity, prevent fraud, satisfy know-your-customer and anti-money-laundering obligations, and comply with law. You authorize us to obtain reports about you from such third parties for these purposes.
3.4 Failure to Provide
You are not entitled to receive payouts unless and until you provide full and accurate Registration Data and any required Additional Registration Data. We may suspend the Organizer Services and withhold payouts while required information is outstanding, if you appear on a prohibited-party or terminated-merchant list, or if you are located in an embargoed jurisdiction.
4. Suspension, Termination, and Account Deletion
4.1 Suspension and Termination
We may suspend or terminate your access to the Organizer Services for breach of this Merchant Agreement, the Terms of Service, or the Community Guidelines; for fraud or unacceptable risk; or as required by law. Where the issue is curable, we will give notice and a reasonable cure period.
4.2 Account Deletion
You may delete your account once all events have concluded, all refund and chargeback exposure has resolved, and all payouts have settled. Financial records are retained as required by law; append-only financial ledgers are never altered.
4.3 Effect of Termination; 4.4 Continued Obligations
Upon termination, unpaid balances owed to you will be paid out after deduction of refunds, chargebacks, fees, and reserves in accordance with Sections 9 and 10; amounts you owe us become immediately due. Obligations that accrued before termination — including refund obligations to Attendees, tax obligations, and indemnification — survive.
5. Payment Processing
5.1 Payment Processor Partners
Payments will be processed by our Payment Processor Partners — card and wallet payments and bank account connectivity/verification through PCI-DSS-compliant processors to be named once integrated. StubGuys does not and will not store card or bank account numbers; payment credentials will be tokenized by our partners. Your use of payment processing may be subject to partner terms, which you accept by using the Organizer Services. This payment processing is not yet integrated; see our Privacy Policy Sub-Processors list for the vendors actually in use today.
5.2 StubGuys Payment Processing
When StubGuys processes payments, we act solely as your limited payments agent for the purpose of accepting payments from Attendees on your behalf. Receipt of funds by StubGuys satisfies the Attendee's payment obligation to you, regardless of whether we actually settle those funds to you. Every money-moving operation on our platform is idempotent, recorded in append-only ledgers, and auditable.
5.4 Chargebacks and Reversals
You are financially responsible for chargebacks, reversals, and associated network fees related to your events. We may contest chargebacks on your behalf with information you provide, deduct chargeback amounts from your balance or reserve, and, where your balance is insufficient, invoice you for the difference, payable within 30 days.
5.5 Payment Scheme Rules
You agree to comply with applicable card network rules and alternative payment framework rules, and to not use the Organizer Services in a manner that violates them.
5.9 Escheatment
Funds we cannot settle to you because of incomplete Registration Data or unreachable accounts may be remitted to the applicable state as unclaimed property after the period required by law. We will attempt to contact you before escheatment.
6. Growth and Marketing Services
Marketing tools (email campaigns, event promotion, referral programs, audience insights) are provided as part of the Organizer Services with no additional subscription. You are the sender of your marketing communications and are responsible for compliance with anti-spam laws (including CAN-SPAM and CASL), for honoring unsubscribes, and for having a lawful basis to contact each recipient. Referral rewards follow the platform standard: $10 give / $10 get, funded by the Organizer and recorded to the Organizer's ledger; self-referral is prohibited; rewards vest after event completion or refund-window close and are voided on refund.
7. StubGuys AI for Organizers
StubGuys AI assists with advertising campaigns: it can suggest a campaign objective, an audience, a daily budget, and ad copy variants, draft a complete campaign from a short description, and summarize the performance of campaigns you are already running. It does not forecast demand, predict sell-out, or set ticket prices. StubGuys AI never sees another organization's private data. Suggestions take effect only when you explicitly apply them; StubGuys AI never changes prices, sends money, or issues refunds on its own. You remain responsible for decisions you apply. Where no AI provider is configured, these surfaces fall back to preset suggestions and are labeled accordingly.
8. No Subscriptions, No Monthly Fees
StubGuys has no subscription plans, no monthly fees, and no setup fees. All platform capabilities described in Section 1.2 are included. Our only revenue from you is the per-paid-ticket fees in Section 9 and the optional instant payout fee in Section 10.
9. Fees, Deductions, and Reserves
9.1 Fees
Item
Amount
Applies to
Platform fee
3% + $1.79 per ticket
Paid tickets only
Payment processing
2.9% + $0.30 per ticket
Paid tickets only
Sales tax
Automatic, jurisdiction-based
Only where admission is taxable
Free tickets
No fees
—
Donations
Processing only when a payment is processed
Usually no sales tax
Monthly / setup fees
None
—
Sales tax is sourced to the event location for physical events and the purchaser's location for online events; hybrid events are sourced per component. A tax-exempt event charges no tax. Tax is calculated on the ticket subtotal only.
9.2 Fee Responsibility and Display
For every event you choose: Event Format (Physical / Online / Hybrid), Ticket Type (Paid / Free / Donation), Fee Responsibility (organizer absorbs / attendee pays / split), and Tax Display (included in ticket price / added at checkout). The event builder shows live "you earn per ticket" math as you configure. Checkout is always fully itemized in this order: Subtotal → Platform fee → Processing → Sales tax → Total. Fees are never collapsed into a bundled "service fee."
9.3 Worked Example
Three tickets at $50 each (attendee pays fees, NYC-taxable): subtotal $150.00, platform fee $9.87, processing $5.25, sales tax $13.31 — total $178.43. All surfaces (web, mobile, reports, payouts) reconcile to the cent.
9.4 Deductions and Setoff
We deduct from your event proceeds: our fees, refunds you issue or owe, chargebacks and related network fees, taxes we are required to collect or withhold, and amounts you otherwise owe us. We may set off amounts you owe against any balance we hold for you.
9.5 Reserves and Trust Tiers
To protect against refund and chargeback exposure we apply graduated, transparent reserves:
Tier
Qualification
Payout schedule
T0 (new)
Default
100% released 5 business days post-event
T1
3+ events, refund rate under 5%, verified
75% rolling weekly / 25% reserve, released event + 7 days
T2
10+ events, refund rate under 3%, 12 months history
90% rolling / 10% reserve, released event + 5 days
The reserve floor is the greater of the tier percentage and live refund exposure. Tiers demote automatically on threshold breach or open disputes; your current tier and reserve are always visible in the payouts view.
10. Payouts
Standard payout: to your verified bank account, 3–5 business days, free. Instant payout: to an eligible debit card, minutes, 1.5% fee, no caps. Minimum payout threshold is $25. Rolling payouts before your event are available per your trust tier (Section 9.5). Balances are always derived from the payout ledger; every payout line item is itemized and auditable. You must maintain a valid payout method; payouts to unverified methods will be held.
11. Refunds
11.1 Your Responsibility; 11.2 Refund Policy
Refunds are your obligation. You must post a refund policy meeting the Organizer Refund Policy Requirements. The platform default allows Attendee refund requests up to 7 days before event start; StubGuys fees are non-refundable except as stated in Section 11.3.
11.3 Specified Refunds
Regardless of your posted policy, you must refund: (a) cancelled events — full refund including all fees, funded by you; (b) materially changed or rescheduled events (date, venue, or headline change) — refunds on request for 14 days from the announcement, with tickets otherwise remaining valid; (c) duplicate charges or platform error; and (d) fraudulent or unauthorized transactions. As your limited payments agent we are permitted, but not obligated, to initiate refunds in categories (a)–(d) on your behalf; you remain solely responsible for all refund obligations.
11.4 Process for Refunds
Refund requests carry a decision deadline shown in your dashboard; undecided requests auto-approve at the deadline. Approved refunds return inventory to sale except within the final 24 hours before the event. Refunds are processed to the original payment method; where an Attendee elects credit, refunds may be issued as wallet credit.
11.5 Refund Protection
Attendees may purchase optional Refund Protection at checkout (6% of order, minimum $6.50). Protected orders are refundable outside your posted window under the protection terms; protection claims do not draw from your proceeds.
12. Taxes
12.1 Your Tax Responsibility
You are responsible for determining and satisfying your own tax obligations arising from your events, including income tax and any admission, amusement, or local taxes not collected through the platform. Where we are required by law to collect and remit sales tax as a marketplace facilitator, we will do so and itemize it at checkout; otherwise, collected tax is settled to you for remittance.
12.2 Information Reporting; 12.3 Right to Withhold
We will issue tax information returns (e.g., IRS Form 1099-K) where required, and you consent to electronic delivery of payee copies. We may withhold payouts where required by tax law or where you have not provided required tax documentation.
13. Warranty Disclaimers
The Organizer Services are provided "as is" and "as available." We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee ticket sales volumes, attendance, or marketing outcomes, and StubGuys AI suggestions are informational inputs to your decisions, not guarantees.
14. Indemnification and Limitation of Liability
14.1 Indemnification
You will indemnify and hold harmless StubGuys from claims arising out of your events, Your Content, your breach of this Merchant Agreement, your violation of law (including tax, licensing, safety, and data protection law), and disputes with your Attendees, except to the extent caused by our own breach.
14.2 Limitation of Liability
To the maximum extent permitted by law, StubGuys' aggregate liability under this Merchant Agreement will not exceed the total StubGuys platform fees you paid in the twelve (12) months preceding the event giving rise to the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages, or lost profits.
15. Representations and Warranties
You represent and warrant that: your Registration Data is accurate; you have the right to hold and sell admission to your events; your events and Content comply with law and the Community Guidelines; you hold all required licenses and permits; you will honor tickets sold and your posted refund policy; and you will use Attendee data only as permitted by the Data Processing Addendum for Organizers and applicable law.
16. Team Roles and Access
You may grant team members roles with defined permissions: Owner (all permissions), Co-organizer (events, marketing, scanning), Finance (refunds and payouts), and Door Staff (scanning only), plus custom roles with explicit permission sets. You are responsible for your team's actions. Role and permission changes are audit-logged.
17. Miscellaneous
Interpretation. Headings are for convenience. Entire Agreement. This Merchant Agreement plus the incorporated documents are the entire agreement for the Organizer Services. Force Majeure. Neither party is liable for delay caused by events beyond reasonable control; refund obligations for cancelled events are not excused. No Assignment. You may not assign without our consent; we may assign to an affiliate or in a corporate transaction. No Relationship. Nothing creates a partnership, joint venture, or employment relationship; StubGuys acts only as your limited payments agent for funds handling. Governing Law. Delaware law governs; disputes are resolved per Section 9 of the Terms of Service (arbitration). Severability; Waiver. Unenforceable provisions are severed; non-enforcement is not waiver.
Trademark & Copyright Policy
1. Our Policy
StubGuys LLC takes intellectual property rights seriously. All information, data, text, editorial content, design elements, look and feel, formatting, graphics, images, and software on the Services (excluding Your Content and other users' content) are owned by or licensed to StubGuys and are protected by intellectual property laws. "StubGuys," "StubConnect," "StubGuys AI," and our logos are marks of StubGuys LLC; you may not use them without our prior written permission except to truthfully identify events listed on StubGuys.
2. Copyright Takedown Notices
2.1 How to Get Allegedly Infringing Content Removed
If you believe in good faith that Third Party Content available through the Services infringes your copyright or trademark, submit a written takedown notice. The simplest and most efficient way is to email copyright@stubguys.com. Your notice must include:
- Your physical or electronic signature (typing your full name suffices).
- Identification of the copyrighted work or trademark claimed to be infringed (registration number, if any).
- Identification of the allegedly infringing material and its location (a URL to the event page or content).
- Your name, address, telephone number, and email address.
- A statement that you have a good-faith belief the use is not authorized by the rights owner, its agent, or the law.
- A statement, under penalty of perjury, that the information in the notice is accurate and that you are the rights owner or authorized to act on the owner's behalf.
By submitting a notice, you agree that StubGuys may provide a copy (including your contact information) to the user who posted the material. Upon receipt of a compliant notice, StubGuys will remove or disable access to the allegedly infringing material and notify the poster. Misrepresenting that material is infringing may make you liable for damages, including costs and attorneys' fees.
2.2 Counter-Notices
If your content was removed and you believe in good faith the removal was a mistake or misidentification, you may submit a counter-notice to copyright@stubguys.com including: your signature; identification of the removed material and its prior location; a statement under penalty of perjury of your good-faith belief; your name, address, and phone number; and a statement that you consent to the jurisdiction of the federal courts for the district where you reside (or Delaware, if outside the United States) and will accept service from the complainant. If the complainant does not notify us within ten (10) business days that it has filed an action, we may restore the material.
2.3 Repeat Infringers
StubGuys enforces a repeat-infringer policy and may disable or terminate the accounts of users who are subject to repeated compliant takedown notices.
3. Contact
StubGuys LLC, Attn: Legal — Copyright/Trademark Agent, [NEEDS SPEC: registered agent address] — copyright@stubguys.com.