Terms of Service

The website located at insidermatch.co and the authenticated application at app.insidermatch.co(together, the "Site") are copyrighted works belonging to Frey Labs, LLC ("Company", "us", "our", "we"). Certain features may be subject to additional guidelines, terms, or rules, which will be posted in connection with such features and are incorporated by reference into these Terms.

These Terms of Service ("Terms") set forth the legally binding terms and conditions that govern your use of the Site and the InsiderMatch marketplace service (the "Service"). By accessing or using the Service, you accept these Terms (on behalf of yourself or the entity you represent), and you represent and warrant that you have the right, authority, and capacity to enter into these Terms. You may not access the Service if you are not at least 18 years old. If you do not agree with all provisions, do not use the Service.

PLEASE BE AWARE THAT SECTION 11.2 CONTAINS PROVISIONS GOVERNING HOW TO RESOLVE DISPUTES BETWEEN YOU AND THE COMPANY. AMONG OTHER THINGS, SECTION 11.2 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION. SECTION 11.2 ALSO CONTAINS A CLASS-ACTION AND JURY-TRIAL WAIVER. PLEASE READ SECTION 11.2 CAREFULLY.

1. Accounts

1.1 Account Creation

To use most features of the Service you must register for an account and provide accurate registration information. You represent that all information you submit is truthful and that you will maintain its accuracy. You may delete your account at any time. We may suspend or terminate your account in accordance with Section 9.

1.2 Account Responsibilities

You are responsible for keeping your account credentials confidential and for all activity under your account. Notify us at daniel@insidermatch.co immediately of any unauthorized use.

1.3 Roles

The Service distinguishes between two types of users: Founders, who pay to book consultation calls with domain experts, and Insiders, who sell their time and receive payouts. Insiders are also bound by our Insider Marketplace Agreement, which governs payments, refunds, chargebacks, and platform compliance.

2. Access to the Service

2.1 License

Subject to these Terms, we grant you a non-transferable, non-exclusive, revocable, limited license to access the Service for your own personal or internal business use as a Founder or Insider.

2.2 Restrictions

You shall not:

• license, sell, rent, lease, transfer, host, or commercially exploit the Service or any content displayed on it;
• modify, make derivative works of, disassemble, reverse compile, or reverse engineer any part of the Service;
• access the Service to build a competing product, service, or directory of insiders;
• scrape, harvest, or otherwise reproduce profile data, ratings, or contact information for any purpose other than a legitimate marketplace transaction;
• circumvent the platform to transact directly with a counterparty you were introduced to through the Service for a period of twelve (12) months after the introduction.

2.3 Modification

We reserve the right, at any time, to modify, suspend, or discontinue the Service (in whole or in part) with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation.

2.4 Ownership

Excluding User Content, all intellectual property in the Service — copyrights, trademarks, patents, and trade secrets — belongs to the Company or its suppliers. These Terms grant you no rights in our intellectual property except the limited access rights expressly granted.

2.5 Feedback

Any feedback or suggestions you provide regarding the Service may be used by us without restriction.

3. User Content

3.1 What it is

"User Content" is anything you submit to the Service: profile details, idea descriptions, intro notes, free-text reviews, support tickets, and any other text, images, or files you upload. You are solely responsible for your User Content and represent that you have the right to submit it.

3.2 License you grant us

You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, display, and use your User Content solely for the purpose of operating and improving the Service and facilitating matches between Founders and Insiders.

3.3 Acceptable Use

You agree not to use the Service to upload, transmit, or distribute content that:

• violates any third-party right (intellectual property, privacy, publicity);
• is unlawful, harassing, defamatory, threatening, or pornographic;
• contains malicious code, automated scripts, or attempts to interfere with the Service;
• constitutes spam, unsolicited promotion, or chain communication;
• impersonates another person or misrepresents your professional background, employer, or expertise;
• targets a Founder or Insider with whom you have not been formally matched on the Service.

3.4 Enforcement

We reserve the right (but have no obligation) to review, refuse, or remove User Content; to suspend or terminate accounts; and to cooperate with law enforcement in cases of suspected abuse.

4. Marketplace Transactions

4.1 Payment

Founders pay the Insider's posted rate at the time of booking via Stripe. The full amount is held by InsiderMatch until the call is completed and the dispute window has passed.

4.2 Platform fee

InsiderMatch retains a platform fee of 20% of each completed booking. The remaining 80% is transferred to the Insider via Stripe Connect 48 hours after the call is marked complete (or sooner at the platform's discretion).

4.3 Refunds

Refund requests are reviewed by InsiderMatch on a case-by-case basis. Common grounds: a no-show by either party, a call that did not occur as scheduled, or a material misrepresentation in the Insider's profile. Refund decisions are final. Refunds are issued back to the original payment method via Stripe.

4.4 Chargebacks & disputes

If a Founder initiates a chargeback through their card issuer, we will respond on the merits using the records of the call. If a chargeback is lost, the Insider acknowledges that InsiderMatch may withhold or recover the corresponding amount from future payouts. See the Insider Marketplace Agreement for details.

4.5 Taxes

Insiders are independent contractors and are responsible for reporting and paying any taxes owed on their earnings. Stripe issues 1099 forms where required by U.S. tax law.

5. Indemnification

You agree to indemnify and hold the Company (and its officers, employees, and agents) harmless from any claim or demand by a third party — including reasonable attorneys' fees — arising out of (a) your use of the Service, (b) your violation of these Terms, (c) your violation of applicable laws or regulations, or (d) your User Content. We will use reasonable efforts to notify you of any such claim and may, at your expense, assume the exclusive defense and control of any matter for which you are required to indemnify us.

6. Third-Party Links and Other Users

6.1 Third-party services

The Service integrates with third parties (Stripe, cal.com, Calendly, Clerk, Resend, etc.). When you click a third-party link or connect a third-party account, the third party's terms and privacy policies apply.

6.2 Other users

Each user is solely responsible for their own User Content. We do not pre-screen the substance of conversations between Founders and Insiders. Your interactions with other users are your responsibility, and we are not liable for losses arising from those interactions.

6.3 Release

You release the Company from every dispute, claim, demand, or liability arising out of, or relating to, the Service (including any interactions with other users or third-party links). IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING.

7. Disclaimers

THE SERVICE IS PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. THE COMPANY (AND OUR SUPPLIERS) EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY MATCH WILL PRODUCE A PARTICULAR OUTCOME.

8. Limitation on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY LOST PROFITS, LOST DATA, COST OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU HAVE PAID OR EARNED THROUGH THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS (US $100.00).

9. Term and Termination

These Terms remain in force while you use the Service. We may suspend or terminate your access at any time for any reason at our discretion, including for violation of these Terms. Upon termination, your access ends immediately. Sections 2.2–2.5, 3, 4.4–4.5, 5, 6, 7, 8, and 11 survive termination.

10. Copyright Policy

We respect intellectual property and ask the same of our users. Notices of alleged copyright infringement (DMCA) may be sent to:

Daniel Frey
Email: dmca@insidermatch.co
Address: 1207 Delaware Ave #1404, Wilmington, DE 19806

11. General

11.1 Changes

We may revise these Terms periodically. We will notify you of material changes by email or through the Service. Continued use after such notice constitutes acceptance of the revised Terms.

11.2 Dispute Resolution

You agree that any dispute between you and the Company will be resolved by binding arbitration administered by JAMS under its then-current Streamlined or Comprehensive Arbitration Rules. Either party may seek individualized small-claims relief and equitable relief for IP infringement.

WAIVER OF JURY TRIAL. Except as expressly permitted, you and the Company waive the right to a jury trial.

WAIVER OF CLASS RELIEF. You and the Company agree to bring claims only on an individual basis. Class, collective, and representative actions are waived.

30-Day Right to Opt Out. You may opt out of the arbitration agreement by sending written notice within 30 days of first becoming subject to it, to daniel@insidermatch.co or by mail to the address below.

11.3 Export

You agree not to export, re-export, or transfer U.S. technical data acquired from the Company in violation of U.S. export laws.

11.4 Electronic Communications

You consent to receive notices and communications from us electronically.

11.5 Entire Agreement

These Terms, together with the Privacy Policy and (for Insiders) the Insider Marketplace Agreement, constitute the entire agreement between you and the Company. If any provision is unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent. We may assign freely.

11.6 Contact

Frey Labs, LLC
Daniel Frey
1207 Delaware Ave #1404
Wilmington, DE 19806
United States
Email: daniel@insidermatch.co