Terms & Conditions

The Service Bridge Terms of Service

Effective Date: August 17, 2026

The Service Bridge is a product and dba of IWYNO FINWORKS LLC ("The Service Bridge," "TSB," "we," "us," or "our"). These Terms govern your use of https://theservicebridge.com, OneCall, Ask an Expert, provider showcases, service request tools, quote workflows, messaging, payments, APIs, dashboards, and related services (collectively, the "Platform").

By using the Platform, creating an account, submitting a service request, requesting a quote, booking a provider, answering a question, using an API, paying for a service, or clicking to accept these Terms, you agree to these Terms. If you do not agree, do not use the Platform.

Audience-specific terms also apply to certain uses and are incorporated into these Terms by reference:

• Client and Service Seeker Terms apply to people and businesses requesting services, using OneCall, booking providers, consulting advisors, making payments, or leaving reviews.
• Provider Terms apply to independent service providers, experts, advisors, consultants, firms, and other businesses offering services through TSB.
• Partner Terms apply to companies, platforms, agencies, marketplaces, advisor networks, professional networks, care organizations, education programs, employers, nonprofits, and other organizations that use TSB technology for their own users or programs.
• The Acceptable Use Policy applies to everyone.

These Terms, the applicable audience-specific terms, the Acceptable Use Policy, the Privacy Policy, and any accepted final terms, checkout terms, order form, statement of work, API terms, payment terms, or signed agreement together form your agreement with TSB for the applicable workflow. If audience-specific terms conflict with these Terms, the audience-specific terms control for that role or workflow.

1. What The Service Bridge Does

The Service Bridge is a software-powered bridge between people or businesses seeking services and independent providers who offer services. The Platform may help users:

• Describe a service need through OneCall or a service request.
• Receive questions, quotes, preliminary responses, finalized terms, or availability from providers.
• Compare provider profiles, credentials, locations, rates, media, reviews, and service offerings.
• Message about a request, upload attachments, finalize terms, make payments, or track work.
• Ask questions through Ask an Expert or receive educational, advisory, or consult-style responses.
• Use provider showcases, distribution partner flows, APIs, notifications, inbox actions, and related workflow tools.

TSB is a technology platform and workflow coordinator. Unless a separate written agreement says otherwise, we do not perform the underlying services, employ providers, supervise partner programs, guarantee provider work, act as a licensed professional, or become a party to the service contract between a client and provider.

2. Who Uses the Platform

These Terms apply to:

• Clients or service seekers: People or businesses requesting services, consultations, expert help, quotes, or bookings, including OneCall users, customers, participants, family members, caregivers, students, patients, and similar requesters.
• Providers: Independent professionals, firms, experts, advisors, consultants, contractors, businesses, or other service entrepreneurs offering services.
• Partners and distribution partners: Businesses, platforms, marketplaces, advisor networks, professional networks, agencies, care organizations, education programs, employers, nonprofits, community organizations, or other organizations that source, route, distribute, or manage service requests, users, providers, advisors, or programs through TSB.
• Visitors and API users: People or systems accessing public pages, profiles, listings, integrations, or Platform APIs.

You must be at least 18 to use the Platform unless we expressly allow a specific flow for a younger user with required consent and safeguards.

3. Accounts and Security

You agree to provide accurate information and keep it current. You are responsible for keeping your credentials, devices, authentication methods, API keys, payment methods, and authorized users secure.

You are responsible for all activity under your account, organization, provider profile, client account, distribution partner account, or integration.

We may require identity, role, business, license, insurance, payment, bank, tax, document, or authority verification before allowing access to certain features.

4. Service Requests, Quotes, and Final Terms

When you submit a service request, you are asking TSB to route, match, or present that request to relevant providers or workflows. You are responsible for making your request accurate, lawful, complete, and safe.

Quotes, preliminary responses, availability, and estimates are provided by providers unless clearly stated otherwise. A quote is not final until the applicable parties accept the final terms shown in the Platform or another approved written process.

Final terms may include scope, price, schedule, cancellation rules, payment timing, deposits, deliverables, milestones, attachments, special conditions, refund terms, dispute process, and provider-specific policies. Read them carefully before accepting.

5. Provider Independence and Service Outcomes

Providers are independent from TSB. They are responsible for their own services, advice, work quality, licenses, insurance, staffing, safety, taxes, permits, scheduling, communications, deliverables, refunds, warranties, and legal compliance.

We may review profiles, documents, credentials, reviews, disputes, and platform behavior, but we do not guarantee that a provider is licensed, insured, available, suitable, safe, or right for your needs. You should evaluate provider suitability before hiring.

We do not guarantee price, quality, availability, response time, service completion, professional outcomes, business outcomes, health outcomes, legal outcomes, admissions outcomes, safety outcomes, or any other result from a provider relationship.

6. Ask an Expert and Advisory Content

Ask an Expert, question-and-answer, consult, advisor, and similar features are for informational purposes unless a separate written professional engagement says otherwise. Expert responses may be incomplete, wrong, delayed, or based on limited information.

Do not rely on the Platform as a substitute for licensed legal, medical, mental health, tax, financial, engineering, immigration, emergency, or other regulated professional advice. If you need regulated or urgent help, consult an appropriately qualified professional or emergency service.

7. Payments, Subscriptions, and Payment Protection

Some Platform features may involve payments, deposits, subscriptions, payout flows, fees, payment-provider charges, taxes, refunds, chargebacks, or payment-protection features. Prices, fees, plan limits, payout timing, cancellation rules, and refund terms are shown in the applicable checkout, quote, final terms, invoice, subscription page, order form, or written agreement.

Unless required by law or expressly stated in final terms or a written agreement, TSB fees are non-refundable.

Payments may be processed by third-party processors or affiliated payment services, including EZ Pay Tekk where enabled. If a payment is routed through EZ Pay Tekk, the EZ Pay Tekk Terms of Service, Privacy Policy, Acceptable Use Policy, and Refund and Dispute Policy are incorporated by reference for that payment workflow. We do not store full payment card numbers. Payment processors may apply their own rules, fees, risk reviews, freezes, reversals, or account actions.

If a payment-protection, escrow-like, TrustLock, Trusted Flow, or held-funds feature is offered, it applies only when expressly enabled for that transaction and only under the terms shown for that feature. TSB is not an arbitrator, court, mediator, fiduciary, bank, money transmitter, or insurer unless a separate written agreement and applicable law expressly say otherwise.

8. Cancellations, Refunds, Disputes, and Support

Cancellations, refunds, rescheduling, deposits, missed appointments, no-shows, milestones, and failed work are governed by the accepted final terms, provider policies, payment-provider rules, and applicable law.

TSB may provide support tools, collect evidence, preserve records, help parties communicate, or review platform misuse. Unless we expressly agree, we do not decide every service dispute, guarantee refunds, or force a provider or client to act.

You should keep communications, payments, attachments, and final terms inside approved Platform workflows so records are available if there is a dispute.

9. User Content and Data You Provide

You are responsible for content and information you submit, including service requests, questions, answers, messages, quotes, provider profiles, rates, documents, licenses, insurance proof, bank or tax information, attachments, photos, videos, reviews, feedback, and API-submitted data.

You keep ownership of your content, but you grant TSB a non-exclusive, worldwide, royalty-free license to host, store, process, display, transmit, adapt, and use it as needed to operate, protect, support, market, and improve the Platform.

You must have all rights, permissions, notices, and consents needed to submit or share information, including personal information about employees, clients, patients, students, family members, team members, or other third parties.

10. Reviews, Profiles, and Marketplace Integrity

Reviews, ratings, provider profiles, listings, credentials, and service descriptions must be truthful and not misleading. You may not buy fake reviews, post fake profiles, manipulate rankings, impersonate others, hide conflicts of interest, or pressure someone to remove truthful feedback.

We may moderate, remove, label, limit, or refuse content, profiles, reviews, questions, answers, attachments, or listings when we believe there is a legal, safety, quality, privacy, fraud, abuse, or platform-integrity risk.

11. APIs, Distribution Partners, and Integrations

API access, distribution partner flows, partner dashboards, client keys, callbacks, notifications, or integrations may require approval and separate terms.

You may not expose API keys, bypass rate limits, scrape data, resell Platform data, send unauthorized requests, use client or provider data outside the approved purpose, or integrate in a way that creates security, privacy, compliance, or user-safety risk.

Partners and distribution partners are responsible for their own users, notices, consent, service flows, providers, advisors, support, data use, compliance, and downstream obligations. Partner-specific obligations are described in the Partner Terms.

12. Prohibited Uses

You must comply with the TSB Acceptable Use Policy. You may not use the Platform to:

• Break the law or violate another person's rights.
• Submit fraudulent, deceptive, unsafe, abusive, discriminatory, harassing, explicit, defamatory, infringing, or private content.
• Request, offer, or perform unlawful, unlicensed, unsafe, exploitative, or regulated services without required authorization.
• Spam, scrape, phish, credential-stuff, upload malware, attack systems, bypass security, or interfere with Platform operations.
• Circumvent Platform booking, payment, messaging, dispute, review, safety, or fee systems.
• Use TSB data for unrelated advertising, resale, enrichment, surveillance, profiling, or regulated decisions without our written approval and required consent.

13. Suspension and Termination

We may suspend, limit, remove, or terminate accounts, profiles, requests, quotes, payments, listings, API access, content, or features when we believe there is a legal, safety, payment, security, quality, integrity, operational, or policy risk.

You may stop using the Platform at any time. Some obligations survive termination, including payment, confidentiality, content licenses, privacy-related duties, disclaimers, liability limits, indemnity, and dispute terms.

14. Intellectual Property

The Platform, software, designs, trademarks, logos, workflows, documentation, APIs, and related materials are owned by TSB, IWYNO FINWORKS LLC, or our licensors. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Platform according to these Terms.

You may not copy, resell, sublicense, reverse engineer, decompile, disassemble, modify, create derivative works from, or use the Platform to build a competing service unless we expressly allow it in writing.

15. Privacy

Our Privacy Policy explains how we collect, use, share, retain, and protect information. By using the Platform, you agree that we may process information as described in the Privacy Policy and any applicable client, provider, partner, API, or payment terms.

16. Disclaimers

The Platform is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, uninterrupted service, data availability, provider suitability, service quality, and service outcomes.

17. Limitation of Liability

To the fullest extent permitted by law, TSB and IWYNO FINWORKS LLC are not liable for indirect, incidental, special, consequential, exemplary, punitive, or lost-profit damages, or for loss of data, goodwill, reputation, opportunities, revenue, business, clients, providers, payments, or use.

Our total liability for Platform-related claims will not exceed the amount you paid directly to TSB for the specific Platform feature giving rise to the claim in the 12 months before the event, or $100 if you did not pay us.

We are not responsible for provider work, client conduct, distributor conduct, third-party services, off-platform interactions, or information shared outside approved Platform workflows.

18. Indemnification

You agree to defend, indemnify, and hold TSB and IWYNO FINWORKS LLC harmless from claims, losses, liabilities, damages, costs, and expenses arising from your use of the Platform, your services, your requests, your content, your integrations, your users, your off-platform activity, your violation of these Terms, or your violation of law or third-party rights.

19. Governing Law and Disputes

These Terms are governed by Texas law, without regard to conflict-of-law rules. Disputes will be resolved by binding arbitration in Austin, Texas, unless a claim qualifies for small claims court or we seek injunctive relief for misuse, security, confidentiality, or intellectual property issues. You waive the right to a jury trial and class action to the fullest extent permitted by law.

20. Changes

We may update these Terms as the Platform evolves. If changes are material, we will notify you by email, through the Platform, on our website, or by posting the updated Terms. Continued use after the effective date means you accept the updated Terms.

21. Contact

Questions about these Terms can be sent to:

The Service Bridge, a dba of IWYNO FINWORKS LLC Austin, Texas Email: [email protected] Website: https://theservicebridge.com