InnieHub Terms of Service

Version: 1.0
Last updated: 23 August 2026
Effective: 23 August 2026

Operated by T&T Consulting Business, LLC, Clearwater, Florida.

Before the terms

Most people arrive here having spent a long time explaining themselves to rooms that did not understand.

These Terms are a contract, and contracts are not written to be enjoyable. But two things in this one are worth knowing before you read the rest, because they shape everything else:

We will tell you what we did and why. If we remove something you wrote or restrict your account, you get a specific reason and a route to challenge it that works even when you can no longer sign in. There are no silent deletions here.

Nothing about safety is behind payment. Not the crisis check, not the helplines, not any of it, on any tier, at any time, including when a card has failed. Paying increases how many replies the AI assistant will generate for you. That is the entire difference.

Contents

1. Who we are, and what these Terms cover
2. Definitions
3. What InnieHub is, and what it is not
4. Age and eligibility
5. Your account
6. What the Services include
7. How to behave here
8. Your content, and the licence you give us
9. Copyright
10. Reporting and enforcement
11. Reasons, appeals and how to reach us
12. Community roles
13. InnieCare, the AI assistant
14. Crisis detection
15. InnieCare, listed professionals
16. InnieDate
17. Subscriptions, billing and refunds
18. The iOS application and Apple
19. Suspension, termination and deletion
20. Privacy
21. Disclaimers
22. Limitation of liability
23. Indemnification
24. Governing law and dispute resolution
25. Changes
26. Assignment and change of operator
27. General
28. Contact

1. Who we are, and what these Terms cover

1.1 InnieHub is operated by T&T Consulting Business, LLC, a Florida limited liability company:

13575 58th Street North, Suite 200
Clearwater, FL 33760, United States

Referred to below as T&T, we, us.

1.2 T&T operates the service, holds the InnieHub brand, contracts with you, bills you and is answerable to you. Where you see "InnieHub" anywhere, in the app, in the App Store, in an email, it means a service operated by T&T.

1.3 These Terms govern the website at inniehub.com, the InnieHub iOS application, and everything in them (the Services).

1.4 These documents form part of your agreement with us:

Where one of them conflicts with these Terms, these Terms win, except that the Privacy Policy wins on anything about personal data, and the InnieDate Supplemental Terms win on anything specific to InnieDate.

1.4.1 Two further agreements bind only some members, and only after they accept them: the Moderator Terms (clause 12.3) and the Professional Listing Agreement (clause 15.8). Neither applies to you unless you have taken on that role, and neither takes effect until you have accepted it.

1.5 The Privacy Center at /privacy-center explains things in plainer language. It is not a contract and creates no rights. If it appears to disagree with these Terms or the Privacy Policy, those two govern.

1.6 Creating an account, or using the Services, means you accept these Terms.

2. Definitions

Account, the single account through which you reach everything, including InnieCare and InnieDate.

Content, anything you post, upload, send or store: text, images, video, audio, profile details, wellbeing entries, messages.

Community Role, Innie, InniePlus or InnieMaster (clause 12). Earned, never bought.

Membership Tier, Free, Silver or Gold (clause 17). Bought, never earned.

Moderator, a member holding InnieMaster who has accepted the Moderator Terms, or a person we appoint to moderate.

Professional, a person listed in the InnieCare directory (clause 15).

Restriction, removing or hiding Content, suspending an Account, terminating an Account, or removing a Community Role.

Business day, Monday to Friday, excluding Florida public holidays.

Day, where a period in these Terms is expressed in days without the word "business", it means calendar days.

3. What InnieHub is, and what it is not

3.1 InnieHub is an online community and a set of self-help tools for adults living with agoraphobia, social anxiety and related experiences.

3.2 We are not a healthcare provider. No medical care, no psychological treatment, no therapy, no diagnosis. We are not a clinic, a telehealth service or a covered health entity. Nothing here is medical advice or a substitute for a qualified professional.

3.3 The AI assistant is not a therapist. It is software running on a general-purpose AI model. It does not diagnose, does not treat, and can be wrong. Clause 13 covers it properly.

3.4 We are not an emergency service. We cannot send help, cannot call emergency services for you, and do not watch the Services in real time.

If you are in immediate danger, or thinking about harming yourself, call your local emergency number or a crisis line now.
Crisis helplines are inside the application, on every tier, without payment, at any time. In the iOS application they are stored on your device, so they work with no network connection and without being signed in. On the web, the page has to have loaded. They cover a named list of countries and point elsewhere to an international directory. The Health and Medical Disclaimer says which, and why we would rather name a short list than imply a long one.

3.5 We do not vouch for anyone. Other members are members of the public. Professionals are listed on the basis described in clause 15, which is narrower than most people assume. Whom you trust, whom you meet and whose guidance you follow are your decisions.

3.6 The wellbeing tools are for you, not for a clinician. Mood check-ins, exposure plans, thought reframes, small wins, practice sessions and the social battery log are records you keep for yourself. They are not validated clinical instruments, and no clinical meaning should be read into any number, streak or chart the application draws.

4. Age and eligibility

4.1 You must be 18 or over. There is no version of the Services for anyone younger.

4.2 When we ask, and why it differs by route.

• Registering with an email address: your date of birth is required at the moment the account is created. Without it, no account exists.
• Registering with Google or Apple: neither of them gives us a date of birth. So we ask for it after the account exists and before the platform opens to you. Until you answer, every page inside the platform sends you back to the question.

The mechanism does not care which provider you used: an account with no date of birth recorded cannot reach anything. Either way, the gate runs before you are inside.

4.3 Your date of birth is permanent. It cannot be edited afterwards in the ordinary course, partly because an age gate you can edit your way past is not a gate, and partly because InnieDate matches on exactly that field. Enter it carefully.

4.4 A date showing under 18 terminates the account. Permanently, immediately, and automatically. A date implying an age over 120 is rejected as invalid.

Note what happens rather than what you might expect. Answering under 18 blocks the account, it does not simply refuse the value and return you to the form. Refusing the value would leave the form open for a second attempt with a different year, which is a retry screen and not an age gate.

4.5 And you can appeal that. Clause 4.4 runs without any human deciding, and a mistyped year can catch an eligible adult. So:

• you receive the reasons by email, not silence;
• the appeal works without signing in, which matters because your session ended in the same moment;
• a person decides it;
• if it succeeds, an administrator corrects the date and restores the account.

The gate stays this strict on purpose. A gate that lets you try again with a different date is not a gate. What was missing was the way back, and now there is one.

4.6 If we find an underage member, we terminate the account and delete the data as the Privacy Policy sets out. Tell us at safety@inniehub.com if you believe someone under 18 is here.

4.7 By using the Services you confirm you can enter a binding contract and are not barred from using them under clause 19 or any law.

4.8 Where the Services are available, and where they are not.

We do not offer the Services in the European Economic Area, the United Kingdom or Switzerland. Accounts cannot be created from those countries, and we do not accept payment from them.

4.8.1 This is a decision about our own readiness, not about anyone who lives there. Offering a service of this kind in those territories carries obligations we intend to meet properly rather than partially, including designating the representatives those laws require. We would rather be absent from a market than present in it without the things it is entitled to expect.

4.8.2 The territories. The thirty states of the European Economic Area, being the twenty-seven member states of the European Union together with Iceland, Liechtenstein and Norway; the United Kingdom, meaning England, Scotland, Wales and Northern Ireland; and Switzerland.

4.8.3 If you are there. You can read this website. You cannot open an account, and we are not able to make an exception. We are sorry, and we mean it: some of the people this was built for live in those countries, and this is a limitation of our situation rather than a judgement about theirs.

4.8.4 If you move there after opening an account, tell us and we will help you export everything and close it.

4.8.5 If you get in anyway.

We cannot reliably tell where anybody is, and we are not going to try. There is no continuous location check on your account and there will not be one: watching where people are, on a service for people whose condition is about feeling watched, is not a trade we are willing to make.

Using a VPN is not a breach of these Terms. Plenty of people here use one, and for good reasons that have nothing to do with this clause. We are not going to treat a privacy tool as an act of deception.

But being here does not extend where we offer the Services. If you are in one of those territories, the fact that you hold an account is not evidence that we offered it to you there, and clause 4.8 still describes where we operate. Where you are is the fact that matters; how you got here is not.

And if we do find out, nothing bad happens to you. We tell you, and we help you export everything and close the account, exactly as 4.8.4 describes for somebody who moves. We will not use this clause as a reason to refuse you anything about your own data. A request to see it, correct it or delete it is answered in full, whatever we think about where you were sitting when you made it.

4.8.6 When this changes, we will say so here and the availability will change with it.

5. Your account

5.1 One account per person, with accurate details kept current. Signing in with a provider using an address you already registered gives you the same account, not a second one, subject to 5.2.1, which is the one case where that is not possible.

5.2 Three ways to identify yourself, across five routes.

• Email and password. You must verify your email address before you can sign in.
• Google, on the website and in the iOS application. We treat the address as verified, because Google verified it.
• Apple, on the website and in the iOS application.

There are five separate integrations because a website and a native application authenticate differently, but they lead to the same account, and every rule in these Terms applies identically whichever one you used. An account created through a provider has no password and cannot use the password form.

5.2.1 Apple's "Hide My Email", and the two things it changes.

Apple lets you sign in without giving us your real address. If you choose that, we receive a forwarding address ending in privaterelay.appleid.com instead. We support it, and you do not owe us your real address. But you should know what follows from it.

We identify you by the stable identifier Apple gives us, not by your email. That is what makes hiding your address work at all. A real Apple address will link to an existing account of yours only when Apple tells us it is verified and not a relay, linking on anything weaker would mean handing someone an account that is not theirs.

If you already had an account and then signed in with Apple using a hidden address, you get a second, separate account. There is no way for us to know they are the same person. You can join them from your settings, verifying by email that the older one is yours, but only while the account Apple created is still empty. Once you have posted from it, the two stay separate. Merging two accounts that both hold content does not exist, and we would rather say so than let you build up a second account expecting a merge that is not coming.

And the forwarding address is yours to switch off. You can disable it in your Apple account at any time, and we have no way of finding out. From that moment, verification emails, password resets, statements of reasons under clause 11.1 and every notification we send stop reaching you, silently, on both sides. That is a limit of how the feature works and not a failure of ours, but it is your only route back if you ever lose access, so keep it in mind.

5.3 Passwords. Stored hashed with bcrypt. Nobody can recover one, not us, not you. If you lose it, reset it: the link is valid for one hour and works once.

5.4 You are responsible for your credentials and for what happens through your account. Tell us at security@inniehub.com if you think someone else got in.

5.5 One session at a time. Signing in anywhere ends your previous session. That is a security measure, not a Restriction, a stolen session does not sit there quietly.

5.6 Suspensions and deletions take effect immediately. Your session is a token that would otherwise remain valid for weeks, so we check your account against our records on every load rather than waiting for it to expire. A ban does not take a month to bite, and a deleted account does not keep working.

5.7 Every way in is gated the same. A termination applies to your account, not to a door. A terminated account cannot come back through any provider button, and no provider can be used to step around the age check in clause 4.2. This is checked on all five routes.

5.8 The app lock is not a second factor. The InnieHub application can be locked with Face ID or your device passcode. That protects the app on your device, on a session that is already open. We do not currently offer two-factor authentication on either the website or the application, and we would rather say so than let a device lock imply something it is not.

5.9 Do not sell, rent, share or transfer your account.

6. What the Services include

6.1

• Community, posts, comments, likes, groups, events, forums, stories, direct messages, voice and video calls.
• Wellbeing tools, mood check-ins, exposure plans, small wins, thought reframes, practice sessions, social battery.
• InnieCare, the AI assistant (clause 13) and the professionals directory (clause 15).
• InnieDate, opt-in dating and friendship matching (clause 16).
• Learning, courses, quizzes and the blog.

6.2 The member marketplace is not available. It exists in the product but is switched off: no member can list, browse or buy anything, and the routes that would serve it refuse every request. If we turn it on we will publish additional terms and tell you before you can use it.

6.3 Anonymous posting. Some Content can be published anonymously. That hides you from other members. It does not hide you from us, anonymous Content stays linked to your account, remains subject to clause 10, and remains reachable by legal process.

6.4 Videos in course lessons. Some lessons contain a video hosted by YouTube or Vimeo. Opening the lesson contacts neither of them. You see a still image held on our own storage, and nothing is requested from any video platform until you press play. Details in the Cookie Policy.

6.5 We may add, change, suspend or withdraw features. Where a change materially and adversely affects something you have paid for, clause 25 applies.

6.6 The Services are provided on an "as available" basis. We do not promise uninterrupted operation.

7. How to behave here

7.1 The Community Guidelines set this out properly, with the reasoning. This clause is the contractual floor.

7.2 You must not:

a) harass, bully, threaten, stalk, intimidate or degrade anyone;
b) post unwanted sexual content, any sexual content involving a minor, or anything that sexualises a minor;
c) impersonate a person or organisation, or misrepresent your connection to one;
d) encourage, glorify, instruct in or provide means for suicide, self-harm, disordered eating or other self-destruction;
e) pressure, manipulate, groom or exploit another member, for money, sex, data or influence;
f) post spam, chain messages, unsolicited advertising, pyramid schemes or affiliate solicitation;
g) post unlawful content, or content infringing anyone's intellectual property, privacy or publicity rights;
h) share another person's private information without permission, screenshots of private messages, faces, real names, locations, health information;
i) present yourself as a licensed health professional, or offer diagnosis or clinical guidance, unless you are one and are listed under clause 15;
j) solicit members for services, research, recruitment or fundraising without our written permission;
k) scrape, crawl, harvest or bulk-collect Content or member data by any means;
l) reverse engineer, probe, interfere with, overload or circumvent any part of the Services or its rate limits;
m) create an account to evade a Restriction;
n) use the Services to train, fine-tune or evaluate any machine learning model, or to build a competing dataset or service.

7.3 The word filter. A short list of slurs and abusive terms is blocked as you write, and the content is refused rather than published. It runs on posts, comments, direct messages, forum topics, forum replies, group posts, blog posts and blog comments, everywhere you can write something another member will read.

What the list is, and what it deliberately is not. It screens for slurs and abuse. It does not screen for the vocabulary of distress. Writing that you want to die, that you have thought about killing yourself, that you were raped, or that you feel fat and cannot leave the house is not blocked and never will be. A keyword list cannot tell a threat from a disclosure, and on a platform built for exactly these conversations, a filter that could not tell them apart would be silencing people at the moment they were finally saying it. Where those words appear, what happens is clause 14, not this clause.

When the filter does refuse something, you are told which word triggered it, why the list exists, and how to flag a false positive at feedback@inniehub.com. Nothing is recorded against your account, the filter returns a verdict and writes to no record anywhere. It is a door that does not open, not a mark against you.

7.4 Health claims. Do not tell anyone to stop taking prescribed medication. Do not present unproven interventions as cures. Do not offer clinical guidance you are not qualified to give. Of everything in this clause, the first sentence is the one most likely to cause real harm.

8. Your content, and the licence you give us

8.1 You keep ownership. Nothing here transfers anything you own to us.

8.2 The licence. So we can run the Services, you grant T&T a worldwide, non-exclusive, royalty-free, sublicensable and transferable licence to host, store, cache, reproduce, adapt technically (resize, compress, transcode, thumbnail, blur), publish, display, perform and distribute your Content.

8.3 What that licence is limited to. Operating, providing, securing and improving the Services, for the audience you chose when you posted. Specifically:

a) it does not let us sell your Content, license it to advertisers, or use it in marketing outside the Services without asking you separately;
b) it does not let us use your Content to train artificial intelligence models. Not now, not later without asking;
c) Content posted to a limited audience, a private group, a message, an InnieDate profile, is licensed only for delivery to that audience;
d) your wellbeing entries and your InnieCare conversations are never displayed to another member and are not "Content" for any public purpose.

8.4 Why "sublicensable" is in there. So that our storage provider can hold your images and our call provider can carry your voice. They act on our instructions and for no purpose of their own. The Privacy Policy lists every one of them.

8.5 When it ends. When you delete the Content or your account, subject to the grace period in clause 19, reasonable time to clear backups and caches, and the specific records the Privacy Policy says survive.

8.6 What deletion cannot reach. A message you sent lives in the other person's inbox too. Something you posted to a group may have been read, screenshotted or remembered. We cannot undo any of that.

8.7 Your promises about what you post. That you own it or hold the rights; that it infringes nobody's copyright, trade mark, privacy or publicity rights; that anyone identifiable in it agreed; and that it breaks neither clause 7 nor any law.

8.8 Feedback. Suggestions you send us we may use freely.

8.9 We do not pre-screen. We are not obliged to review Content before publication and generally do not. The word filter (7.3) and the crisis check (14) are narrow, automated exceptions. Our right to remove something is not a duty to go looking for it.

9. Copyright

9.1 The full procedure, including counter-notices and the notice-and-action route for illegal content generally, is in the Copyright and Intellectual Property Policy at /copyright-policy.

9.2 Notices go to our designated agent:

Copyright Agent · T&T Consulting Business, LLC
13575 58th Street North, Suite 200, Clearwater, FL 33760, United States
legal@tudorsgroup.com · +1 813 384 8490

Registered with the United States Copyright Office in the Directory of Designated Agents, effective 18 August 2026. A notice must contain the six elements required by 17 U.S.C. § 512(c)(3), and there is a form at /copyright that collects them, it does not require an account, because the owner of a copied work usually is not a member.

9.3 Repeat infringers. Three valid, uncontested notices resulting in removal, within any rolling 12 months, will normally end the account. A strike is removed if a counter-notice or an appeal succeeds, and in any case after 12 months. You are warned on the first and second. Commercial-scale infringement, content uploaded in order to infringe, circumventing a technical protection, or re-uploading something already removed may end an account immediately.

"Normally" is doing real work in that sentence. The count is a threshold at which a person looks, not a switch that fires on its own. Nothing in the system terminates an account for reaching three.

9.4 Anonymous posts count identically. Strikes attach to the account behind the content, not to the displayed name. A repeat-infringer policy defeated by ticking "post anonymously" would not be a policy.

9.5 Knowingly submitting a false notice may make you liable under 17 U.S.C. § 512(f).

10. Reporting and enforcement

10.1 What you can do, from any post, comment, thread, profile or InnieDate card:

10.2 We never tell anyone who reported them. Not in a notification, not in a statement of reasons, not on appeal.

10.3 Choose the right reason. Harassment, unwanted sexual content, impersonation, harmful content about self-harm, pressure or manipulation, a request for money or investment, spam, or copyright. The reason decides which queue the report enters and how fast it is seen, a self-harm report does not wait behind spam. A reason we do not recognise is treated as serious, not as housekeeping.

10.4 What we may do: remove or hide Content; restrict a feature; suspend an account; terminate an account; remove a Community Role; or notify authorities under clause 10.7.

10.5 Proportionately. We take the smallest measure that resolves the problem, weighing seriousness, intent, repetition and harm. A first minor breach usually costs the content, not the account.

10.6 Two things happen without a human deciding first.

(a) The word filter in clause 7.3.

(b) A precautionary suspension. Five live reports about an account within 30 days suspend it while someone looks. All four of the following are true of it, always:

i. it is temporary, no automated process can ever set a permanent ban;
ii. you are told in the same moment, with the full reasons required by clause 11.1, stating plainly that no human decided it;
iii. you can appeal immediately, and a person decides;
iv. it lifts itself after 48 hours if nobody has confirmed it. Not "we will try to look", a scheduled process releases the account, and the measure is recorded as revoked.

If nobody got to it in time, the account comes back. The cost of that falls on us, which is the right way round: you did not choose to be suspended by a counter.

10.6.1 How the count works. It counts live reports only, and it is calculated when asked rather than stored as a running total. So:

• dismissing a report removes it from the count, retroactively, the moment it is dismissed;
• reports older than 30 days do not count;
• reports that already produced a measure do not count towards the next one;
• there is no lifetime total following you around.

10.6.2 Who this does not reach. Administrator accounts are exempt from 10.6(b), as is anyone already suspended or terminated. The reason for the first is practical rather than privileged: an automated measure able to lock out the only people who can lift it is an outage with extra steps. Administrators are not exempt from anything else in this clause, every measure a person takes against them, and every appeal, works exactly as it does for anyone else.

10.6.3 It is not a finding. It means five people reported you in a month and we would rather look while you are paused than afterwards. If we are wrong it is over in two days whether or not anyone reaches it.

10.7 Suspected criminal offences. Where we become aware of information giving rise to a suspicion that a criminal offence involving a threat to the life or safety of a person has taken place, is taking place or is likely to, we will promptly inform law enforcement or judicial authorities and give them what we have. This is an obligation, not a discretion, and it applies in particular to credible threats and to anything involving a minor.

It is not the same as clause 14. A crisis signal about a person's own wellbeing is not a criminal matter and is never reported under this clause.

10.8 Human decision. No account is permanently terminated, and no Restriction becomes final, without a person deciding it. The only two measures that take effect before a human has looked are the age gate (4.4) and the precautionary suspension (10.6(b)), both appealable to a person, and the second releases itself.

10.9 What a reporter is told. That the report was reviewed. Not what happened to the other account, because that is information about them. We know that is unsatisfying; it is the same protection you get when someone reports you.

10.10 An open report pauses promotion to a Community Role while it is open (clause 12). It is a pause, not a penalty: it uses the same live-report window as 10.6.1, so a report that was dismissed, or that is older than 30 days, has no further effect of any kind and nothing accumulates against you over the life of your account.

11. Reasons, appeals and how to reach us

The appeal in 11.2 and 11.3 is something we promise rather than something anyone requires of us, and it binds us just as tightly. The same is true of the statements of reasons in 11.1: we give them because a measure without a reason is indistinguishable from a mistake, not because a regulator is standing over us.

11.1 Every Restriction comes with reasons. In a durable form, containing:

a) exactly what we did, and to what;
b) how long it lasts and where it applies;
c) the facts we relied on, including whether a report, an automated process, or our own review triggered it;
d) whether automated means were used;
e) the clause of these Terms, the Guidelines, or the law relied on;
f) how to appeal, and what else you can do.

Never the identity of a reporter. These six are required fields at the point any measure is applied, not a form somebody has to remember to fill in.

11.2 You can appeal for six months from the date we notify you, any Restriction, including a termination under clause 4.4. Write to appeals@inniehub.com or use the link in the notification.

The appeal works without signing in. The measures most worth appealing are precisely the ones that stop you getting in, so the route does not depend on getting in. The six-month window is stored with each measure, so if we ever shorten it, we cannot retroactively close a door somebody was told in writing was open.

11.3 How appeals are decided.

a) By a person who was not involved in the original decision, and never by a volunteer Moderator. Both restrictions are enforced where the decision is made, not by hiding a button.
b) No appeal is ever decided by automated means. There is no code path that resolves one.
c) We aim to decide within 10 days of receiving your appeal, and we tell you either way.
d) Missing that escalates the appeal, it never decides it. An appeal still open after 10 days is flagged and put in front of the administrators, and it stays open until a person resolves it. Granting appeals automatically would rubber-stamp every decision nobody read; refusing them automatically would make appealing pointless. Either would be an automated decision, which is the thing an appeal exists to correct. So a clock running out here can only make somebody look. It can never decide against you, and it can never quietly decide in your favour either.
e) If you win, we reverse the measure, restore the Content or account wherever technically possible, and remove any associated strike or record.

11.4 Contacting us as a member. Anything about moderation, restrictions or appeals: appeals@inniehub.com. Write in English or Spanish and we reply in the language you used. You can always reach a person this way. Any automatic acknowledgement is a receipt, not an answer.

11.5 Contacting us as an authority. Any public authority, anywhere: legal@inniehub.com, electronically, in English or Spanish. We answer whether or not the authority has jurisdiction over us, because declining to reply is not the same as declining to comply.

11.6 Why there is no legal representative named here. Article 13 of the Digital Services Act requires a provider offering services in the Union, and having no establishment there, to designate a legal representative. We do not offer the Services in the European Economic Area, as clause 4.8 sets out, so that obligation does not arise. If we open the Services there, we will designate one and name them here before the first member is admitted.

11.7 Misusing reports or appeals. After a warning, we may suspend our handling of reports or appeals from an account that repeatedly submits manifestly unfounded ones. We weigh how many, what proportion, how serious, and, where we can tell, the intent. Being frequently wrong is not the same as using the system to harass, and we distinguish them. A suspension under this clause is itself a Restriction and 11.1 to 11.3 apply to it.

11.8 None of this limits your right to complain to a supervisory or consumer authority, or to go to court.

12. Community roles

12.1 Two different things are called "tier". Community Roles are earned and cannot be bought. Membership Tiers are bought and cannot be earned. They have nothing to do with each other: money buys no moderation power, and activity buys no AI allowance.

12.2 The roles.

12.3 Meeting the thresholds is not appointment. Crossing them makes InnieMaster available. It is then offered, an administrator confirms the offer, and it becomes real only when you accept the Moderator Terms. Until you accept, the powers do not exist for your account, this is enforced, not merely intended. Declining costs nothing, is announced to nobody, and does not stop you accepting later.

12.4 Moderators are members, not staff. Not employees, contractors or agents. Not clinicians. Not paid. They act on their own judgement, within the powers the platform gives them and within the Moderator Terms.

12.5 What a Moderator cannot do. Act on another Moderator or an administrator. Terminate an account permanently. Delete content permanently, a Moderator can hide it, which is reversible by them, by an administrator or by an appeal; destroying it outright is an administrator's decision because it is the one that cannot be undone. Decide appeals. And:

No Moderator can reach any member's wellbeing records or InnieCare conversations, at any time, by any route. This is enforced by the server when the request arrives, not by hiding a button, and an automated test fails our build if a moderator account can reach any of those tables.

12.6 Blog posts by InnieMasters are reviewed before they appear. The blog reaches the whole community, which makes it the widest surface in the product.

12.7 A listed Professional cannot hold a moderation role, and a Moderator or administrator cannot hold a listing. One person with a therapeutic relationship and the power to suspend the account of the person they are treating is a conflict no form can fix. This is refused at both doors, and it names administrators as well as moderators, because an administrator has every power a moderator has and decides appeals besides.

12.8 Removing a role. For misuse, for breaching the Moderator Terms, or if we discontinue the role. It is a Restriction and clause 11 applies. A role does not lapse through inactivity, because no amount of activity is expected of a Moderator. You can also pause it yourself at any time, which stops the duties, including the notifications in clause 14.3, without giving the role up.

12.9 Roles carry no salary, no fee and no property right. They are a revocable permission.

13. InnieCare, the AI assistant

13.1 What it is. A conversational feature built on a general-purpose AI model provided by a third party, Anthropic. When you write to it, the recent messages of that conversation are sent to Anthropic to generate a reply. The Privacy Policy sets out what that means for your data.

13.2 You are talking to software. Not a person. Not a therapist, counsellor, psychologist, psychiatrist, doctor or crisis worker. It cannot diagnose, treat, prescribe or refer. It owes you no professional duty and no professional privilege attaches to anything you tell it.

13.3 It can be wrong. AI models produce plausible text; they do not check it. It may be inaccurate, outdated, incomplete, self-contradictory or entirely invented, and confident while being any of those. Do not rely on it for medical, psychological, legal, financial or safety decisions, and never as a reason to start, stop or change a treatment or a medication.

13.4 You acknowledge this once, before your first message. The full explanation is the AI Assistant Disclosure at /ai-disclosure, which forms part of these Terms under clause 1.4 and which you are shown at the point of use rather than being expected to find. It says the same things as 13.2 and 13.3 at greater length, and adds what the model receives and what it does not.

The crisis check in clause 14 runs regardless, someone typing that they want to die, on a screen they have not finished reading, must not receive an error instead of help.

13.5 AI is used here and nowhere else. It does not write posts, moderate content, rank your feed, or make any decision about your account, your tier or your role.

13.6 Your allowance.

These are approximate on purpose. They are calculated from what an exchange costs us to run, so if that cost changes the numbers move with it. Exact current figures are in the application, and any material reduction is treated as a price change under clause 17.10.

13.7 When your allowance runs out, the assistant does not stop. It falls back to a simpler responder that uses no AI model. In that mode nothing at all is sent to Anthropic, not context, not classification, nothing. You are never locked out of it.

One exception, and it runs the right way. A message that trips the crisis check in clause 14 is answered by the model, allowance or no allowance, because that is the one moment where cost is not a consideration. So past your allowance nothing reaches Anthropic except a message the safety check has marked.

13.8 There is also a ceiling on the whole platform, and you should know it exists.

Your allowance bounds what you can spend. It does not bound what everyone can spend together, so there is a monthly limit on what the Services will spend on AI model calls across all members. If that limit is reached, every account, including a paid one that has not used any of its own allowance that day, falls back to the simpler responder until the calendar month ends.

We are telling you this rather than burying it, because it is the one circumstance in which a paid tier stops delivering the thing it is sold for, for reasons that have nothing to do with you. Three things bound it:

a) it applies to everyone at once, and never to one member or one group;
b) it is temporary by definition, the limit resets when the month does;
c) if it were ever to happen for a substantial part of a billing period, that is a paid feature not working, and clause 17.7 entitles you to a refund.

A reduction dressed up as an emergency but left in place beyond the month is not this clause. It is a reduction in the allowance, and clause 17.10 governs it.

13.9 The crisis check is never subject to any of this. It runs on every message, on every tier, before any allowance is counted, regardless of payment, and outside the platform ceiling in 13.8. A budget limit that could silence a crisis response would be the one failure none of this is worth.

13.10 Your conversations are stored against your account, never shown to another member, included in your data export, and deleted with your account.

13.11 Do not use the assistant to extract information about another person, to generate content that breaks clause 7, or to probe or manipulate the model.

14. Crisis detection

14.1 What we do. Messages to the AI assistant are checked for indications of suicidal ideation or self-harm. The check is deterministic and runs before any AI model is called. The model may also raise the same signal itself. The two are independent, and either one firing is enough.

14.2 When a signal is raised, two things happen.

a) You are shown crisis helplines for the country you are set to, held inside the application, and in the iOS application working with no network connection and without being signed in.
b) A notification reaches our safety team naming you and stating that a signal occurred. It does not contain your conversation, a quotation from it, or the word that triggered it. Repeat notifications about the same person are suppressed for fifteen minutes.

14.3 Who receives it. Administrators, always. A Moderator only while they hold a current, accepted Moderator Terms and have not paused the role, and notifications stop reaching them the moment either of those stops being true, without anyone having to remember to remove them from a list.

14.4 What it is not. An automated pattern check, not a clinical risk assessment. It will miss things. It will also flag things that are not a crisis. A crisis signal never restricts your account, never appears in any enforcement record, creates no report and no strike, and is never used against you in any way. Reaching for help is not an infraction, and a system that filed it next to the infractions would eventually treat it as one.

14.5 We are not an emergency service. We do not watch in real time, cannot promise anyone sees a signal quickly, cannot dispatch help, and do not undertake to intervene. If you are in danger, contact emergency services directly.

14.6 Offering this does not make us responsible for your safety. It is a voluntary community measure. It creates no duty of care beyond what the law imposes anyway, and makes us neither monitor nor guarantor of anyone's wellbeing. Nothing in this clause excludes liability that cannot lawfully be excluded, including for death or personal injury caused by our negligence.

14.7 Do not try to evade the check, and do not use it to summon staff for something that is not a safety matter.

15. InnieCare, listed professionals

15.1 What the directory is. Independent mental health professionals, each listing showing a title, specialties, biography, languages, the jurisdictions they can accept clients from, availability and an hourly rate. Members can request a session.

15.2 We are a directory, not a provider. We do not provide, supervise, direct or control what a Professional does. We do not employ them, we are not their agent, they are not ours. Any session is directly between you and them, and any contract for it is between you and them.

15.3 What we check. No listing appears until the Professional has supplied documentary evidence of their licence or registration, and a person at T&T has reviewed it and checked it against the institution that issued it. We record who checked, when, which regulator, which registration number and by what means, and our system refuses to approve a listing where the means is not recorded, because an approval with no method is indistinguishable from no check at all. We also require evidence of current professional indemnity insurance.

Where the interface says "Registration checked", that is what those words mean.

15.3.1 And here is what that check cannot do.

We review documents. We are not a forensic authority and we cannot detect a competent forgery.
Someone determined to deceive us can produce a document that survives the review in 15.3. We accept no responsibility for fraud, forgery, alteration or misrepresentation by a Professional. "Registration checked" is not a guarantee that a person is who they say they are.
It is also not an assessment of competence, suitability, methods, ethics, or whether someone is right for you. We do not evaluate clinical practice and are not qualified to.
Check with their regulator yourself before you engage anyone. It takes a few minutes, and it is the only check that is genuinely yours.

15.3.2 A listing disappears the moment a licence or insurance expires. Not overnight, not on the next run of some process, being listed is calculated when the directory is asked, so there is no window in which our records say "published" and the truth says otherwise, and no failure mode where a job is down and an expired listing stays up. Professionals are warned 30 days ahead.

15.4 Where a Professional can practise is on their listing, and returned to you when you book. The regulation of psychology and counselling is territorial and usually turns on where you are, not where they are. We show you the answer in time for you to ask the question.

15.5 No money for a session passes through us. No checkout, no escrow, no payout, no commission. The rate shown is their own figure, displayed as information. Disputes about payment, cancellation or no-shows are between you and them.

15.6 Session notes are a scheduling field. Not a clinical record system, and Professionals are prohibited from using it as one.

15.7 We are not liable for what a Professional does, for quality, safety, legality or outcome, or for harm arising from it, to the fullest extent the law permits and subject to clause 22.5.

15.8 A listing is governed by the Professional Listing Agreement, covering their warranties about qualifications, insurance, jurisdiction, conduct, confidentiality and their indemnity to us. No listing appears before it is accepted, which is enforced the same way clause 12.3 is.

15.9 Tell us at safety@inniehub.com if a Professional misrepresents themselves or behaves improperly. We can remove a listing. We cannot adjudicate a professional complaint, that is their regulator's job, and we will tell you how to reach it.

16. InnieDate

16.1 An opt-in matching feature inside your account. You are not in it unless you join, and your participation is not visible anywhere else in the product.

16.2 18 or over, checked against the date of birth on your account. The age filter cannot be set below 18.

16.3 We do not screen anyone. No criminal background checks, no identity verification, no checks of any kind. You are told this in full, on a screen you must pass through before anyone can see you, and that screen is enforced by the server, so an old version of the app or a direct call cannot skip it.

16.4 Before a mutual match, others see an alias, an age, and what you wrote. Your username, full name and city are withheld by default.

That protection is a setting, and it is on when you join. If you deliberately turn it off, your username and city become visible before a match, which creates a route from your InnieDate card back to your main account, and therefore to the fact that you are a member of a mental health community. It is your choice to make. We would rather you knew it existed than found out afterwards.

16.5 Photos. Stored as authenticated assets, delivered through signed URLs, blurred on the server. The unblurred image is not sent to any device until there is a mutual match, so before that, nobody holds your photograph, only a blurred version. We test this by trying to defeat it.

16.6 A one-directional like is never revealed. Either party can unmatch, which re-blurs photos and removes you from each other's decks. Leaving InnieDate deletes your photos from storage, not merely from view.

16.7 Fraud. Romance and investment fraud target this community specifically, because isolation and a wish to be understood are what that kind of fraud is built to exploit. No genuine match will ever ask you for money, cryptocurrency, gift cards or your financial details. Report anyone who does, and a report for that reason goes to the fastest queue we have.

16.8 Clause 7 applies in full. Unsolicited sexual images, pressure, and persistence after a refusal or an unmatch are grounds for terminating your whole account, not just your InnieDate profile.

16.9 The InnieDate Supplemental Terms apply in addition and prevail on InnieDate-specific matters.

17. Subscriptions, billing and refunds

17.1 What paying changes. A paid tier increases your InnieCare AI allowance. That is the whole of it. The community, the wellbeing tools, InnieDate, courses, the blog, the assistant itself in fallback mode, and every part of crisis support are free on every tier, including when a payment has just failed.

17.2 Tiers. Silver and Gold, monthly. Prices shown in the application before you buy, in your local currency, inclusive of tax where we must charge it.

17.3 Two channels, and the difference decides who holds your money.

17.3.1 You can only hold one subscription at a time, and we check for an active one on the other channel before letting you buy, because being charged twice for the same thing is the kind of mistake nobody notices for months.

17.4 Renewal. Monthly, automatically, at the then-current price, until you cancel. Before you confirm, the price with tax, the billing period, the renewal date, the fact that it renews until cancelled and how to cancel are shown next to the confirmation control, not in a linked document, not below the fold. Cancel at least 24 hours before renewal.

17.5 Cancelling. In your settings, in no more steps than it took to subscribe.

An Apple subscription can only be cancelled in your Apple Account settings.
Deleting the app does not cancel it. Deleting your InnieHub account does not cancel it. Asking us does not cancel it, we have no power to.
We will stop you mid-deletion and say so, with a link straight to the setting, because we cannot cancel it for you and the only honest alternative is refusing to let you leave believing it is handled.

17.6 Changing your mind. We give everyone 14 days to withdraw from a web purchase, wherever you live, as our own commitment rather than because a particular law compels it. Clause 17.7 says how.

You lose that right only if you expressly ask us to start immediately and acknowledge losing it, two separate confirmations at checkout, neither pre-ticked, because "start now" and "I give up my 14 days" are two different statements and merging them is how a waiver stops being valid. If we did not ask you, you keep the full 14 days.

Consumers in Brazil have a separate right that cannot be waived at all, seven days under Article 49 of the Consumer Defence Code, which is not lost by the service starting immediately and runs alongside the 14 days above rather than instead of them. There is a form at /withdrawal-form, and you do not have to use it: any clear statement works.

17.7 Refunds on web purchases. Write to billing@inniehub.com within 14 days of your first payment and we refund it in full without asking you to justify it, once per account. Beyond that we refund in full and without argument where we charged you in error or twice, where the service was materially unavailable for a substantial part of the period, where a paid feature did not work and we could not fix it, which includes the platform ceiling in clause 13.8 if it were ever to last a substantial part of your billing period, or where your payment method was used without your authorisation. Statutory rights are untouched.

17.8 Refunds on Apple purchases. We cannot grant, refuse, process or reverse one, only Apple can. Use reportaproblem.apple.com. If Apple refuses and you believe the refusal turns on a fact we can verify, write to us and we will give you a written statement of that fact to support your request. That is the extent of what we can do, and we will do it willingly.

17.9 Tiers we grant by hand. For testing, support or goodwill. A granted tier is a gift: nothing renews, nothing is charged, nothing is refundable, and we can withdraw it. A payment provider's automated messages can only ever remove an entitlement that the same provider granted, so a lapsed card can never take away something we gave you.

17.10 Price changes, and the allowance. At least 30 days' notice, with the current price, the new price, the date and how to cancel first. A price rise never applies to a period already paid for.

A material reduction in the AI allowance is treated as a price change, and carries the same 30 days' notice, the same right to cancel on being told, and a pro-rata refund if you cancel for that reason. The allowance is most of what a paid tier buys, and cutting it is a price rise expressed in the other currency.

The one exception is the platform ceiling in clause 13.8, and only while it is genuinely both of the things that clause says it is: applying to everybody at once, and lasting no longer than the calendar month. A reduction that applies to some members, or that survives the month, is not covered by this exception and is governed by the paragraph above.

Raising an allowance needs no notice. Apple applies its own rules on its channel.

17.11 Failed payments. We retry, we email you, and if it keeps failing you return to Free. A downgrade costs you the AI allowance and nothing else, your account, posts, connections, wellbeing records, conversation history and InnieDate profile are untouched, and crisis support is unaffected. Resubscribe any time; there is no penalty.

17.12 If your account is suspended or terminated.

a) Temporary suspension: the subscription continues. Longer than 7 days and we credit the days lost.
b) Permanent termination for breach: we cancel so you are not charged again, and refund the unused portion of the current period, pro-rata to the day. A subscription buys an AI allowance; keeping money for an allowance we are refusing to supply is keeping money for nothing.
c) Termination under clause 4.4: refunded in full. Someone who cannot lawfully hold the account cannot lawfully be charged for it.
d) A termination reversed on appeal: account and subscription restored, time credited.

For Apple purchases the refund remains Apple's decision, and we will confirm to Apple in writing that we terminated the account and did not supply the remainder.

17.13 Taxes. Prices include consumption taxes where we must charge them. Any other tax arising from your use is yours.

17.14 The Purchase, Billing and Refund Terms set all of this out in full.

18. The iOS application and Apple

This clause applies to the application from the Apple App Store and prevails over anything inconsistent elsewhere, to the extent Apple requires.

18.1 These Terms are between you and T&T only, not with Apple. T&T alone is responsible for the application and its content.

18.2 Your licence is non-transferable, to use the application on any Apple-branded device you own or control, as the Apple Media Services Terms of Use permit and subject to their Usage Rules, except that the application may be accessed by other accounts associated with you through Family Sharing or volume purchasing.

18.3 Apple has no obligation to provide any maintenance or support.

18.4 If the application fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). To the maximum extent permitted by law Apple has no other warranty obligation. Any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform are T&T's responsibility.

18.5 T&T, not Apple, is responsible for addressing any claim relating to the application or your use of it, product liability, failure to conform to a legal or regulatory requirement, and claims under consumer protection, privacy or similar law.

18.6 T&T, not Apple, is responsible for investigating, defending, settling and discharging any third-party intellectual property claim.

18.7 You represent that you are not in a country subject to a US Government embargo or designated as "terrorist supporting", and are not on any US Government list of prohibited or restricted parties.

18.8 You must comply with applicable third-party terms when using the application.

18.9 Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance Apple will have the right, and will be deemed to have accepted the right, to enforce these Terms against you as a third-party beneficiary.

18.10 Our contact details for questions, complaints and claims about the application are in clause 28. The End User Licence Agreement is at /eula.

18.11 Sign in with Apple is available on both the website and in the application, and clause 5.2.1 explains what "Hide My Email" changes. Nothing in this clause makes Apple a party to your account, and Apple decides nothing about your membership, your Content or any Restriction.

19. Suspension, termination and deletion

19.1 Leaving. Request deletion in the application. Your account is hidden immediately and a 30-day grace period begins. Signing back in during that window cancels the deletion, no form, no email, just come back. After it expires, your account and its content are removed: posts, comments, messages you sent, wellbeing records, InnieCare conversations, InnieDate profile and photos.

19.2 Files go before rows. When we delete, we remove the stored images and documents first and the database records second. Doing it the other way round leaves the files with nothing pointing at them, unreachable, and therefore impossible to find again in order to delete. That is not deletion, whatever the database says.

19.3 What survives, and why. A short list of records we are required or permitted to keep, moderation and safety records relating to a termination, tax and accounting records, records needed to defend a legal claim, and the evidence that a consent was given. Section 16 of the Privacy Policy states exactly what and for how long.

19.4 Messages you sent stay in the other person's inbox. Deleting your account removes your copy, not their conversation.

19.5 Export first. You can download everything your account holds as a single file, generated on request, including your wellbeing records and your InnieCare conversations. It deliberately leaves out messages other people sent to you, because those are their words. After deletion we cannot reconstruct any of it.

19.6 Cancel your Apple subscription first. See clause 17.5.

19.7 Suspension and termination by us. For breaching these Terms or the Guidelines, under clause 4.4, where the law requires it, or where we reasonably believe it necessary to protect members, the public or the Services. Except for urgent safety cases and clause 4.4, we give notice with reasons before terminating.

19.8 Effect. Your licence to use the Services ends and you must not create a new account to get around it. We may remove your Content, or keep it where 19.3 or the law requires. Clauses 8.5, 15.7, 17.12, 21, 22, 23, 24 and 27 survive.

19.9 If we close the Services entirely, we will give reasonable notice, stop taking payments, let you export, and refund the unused portion of anything paid to us directly. Apple purchases remain subject to 17.8.

20. Privacy

20.1 The Privacy Policy at /privacy forms part of these Terms and explains everything about personal data.

20.2 The thing worth knowing before you decide to be here. This service necessarily involves information about mental health, including the bare fact of having an account, before you write anything at all. We treat that as sensitive because it is. Read the Privacy Policy before you join.

20.3 Cookies and similar technologies are in the Cookie Policy at /cookies, and the controls can be reopened and changed at any time.

20.4 If you are in the United States, the Consumer Health Data Privacy Notice at /consumer-health-data-privacy sets out your rights over the health information described there.

21. Disclaimers

21.1 To the fullest extent the law permits, and subject to 21.4, the Services and all Content are provided "as is" and "as available", and we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title and non-infringement.

21.2 We do not warrant that the Services will be uninterrupted, secure or error-free; that any Content is accurate or reliable; that the AI assistant is correct; that any Professional is competent; or that any member is who they say they are.

21.3 Content posted by members is theirs. We do not endorse it. Relying on it is your decision.

21.4 What we never disclaim. Liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for gross negligence or wilful misconduct, or for anything else that cannot lawfully be excluded.

If you are a consumer in Mexico, Brazil or anywhere with mandatory consumer protection law, you have statutory rights these Terms do not and cannot reduce. This clause applies only as far as that law allows.

22. Limitation of liability

22.1 Subject to 21.4 and 22.5, and to the fullest extent the law permits, we are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, revenue, goodwill, data or anticipated savings.

22.2 Subject to 21.4 and 22.5, our total aggregate liability arising out of these Terms or the Services is limited to the greater of (a) what you paid us in the twelve months before the event, or (b) one hundred United States dollars (USD 100).

Plainly: if you paid us nothing, or less than USD 100, the limit is USD 100. If you paid more than that in the twelve months before, the limit is what you paid.

22.3 We are not liable for the conduct of other members, of Professionals, or of any third party, online or in person.

22.4 We are not liable for failures beyond our reasonable control: infrastructure providers, network outages, natural events, acts of government.

22.5 Consumers. These limits apply only as far as the law of your country of residence permits, and none of them affects your statutory rights. Where mandatory law makes us liable for foreseeable loss caused by our breach, this clause does not exclude it.

23. Indemnification

23.1 To the extent the law permits, you will indemnify and hold harmless T&T and its officers, members, employees and agents against any claim, loss, liability, damage, cost and reasonable legal fee arising out of:

a) Content you posted, including any claim that it infringes someone's rights;
b) your breach of these Terms, the Guidelines or the law;
c) your dealings with other members or with Professionals, online or offline;
d) your misrepresentation of your identity, age or qualifications.

23.2 We will tell you of any claim we seek indemnity for, and you may take part in the defence at your expense. We will not settle in a way that puts an obligation on you without your consent, not unreasonably withheld.

23.3 Consumers. This clause applies only as far as the mandatory law of your country of residence permits, and never to something that was not your fault.

24. Governing law and dispute resolution

Clauses 24.4 to 24.11 send most disputes with users in the United States to individual arbitration rather than to court. Clause 24.6 tells you how to opt out, and opting out costs you nothing.

24.1.1 Before either of us starts formal proceedings, the party with the complaint gives the other written notice and 30 days to resolve it.

24.1.2 A complaint against us goes to admin@inniehub.com, subject line "Notice of Dispute", with your name, the email on your account, what happened, what you want us to do, and your signature.

24.1.3 A complaint against you goes to the email on your account.

24.1.4 A notice that is not individual to one person, one of a batch, or one that does not identify the specific dispute and the specific relief, does not satisfy this clause.

24.1.5 Either of us may ask for an informal call during the 30 days, and the other will make a reasonable effort to attend. Confidential and without prejudice.

24.1.6 This is a condition precedent to arbitration or court, and it binds us exactly as much as it binds you.

24.1.7 Limitation periods are suspended while it runs, so using it never costs you time.

24.2 Governing law

24.2.1 These Terms and any dispute about them or the Services are governed by the laws of the State of Florida, without regard to conflict-of-laws rules.

24.2.2 Clauses 24.4 to 24.11 are governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16.

24.2.3 The UN Convention on Contracts for the International Sale of Goods does not apply.

24.3 Consumers outside the United States

24.3.1 Clause 24.2.1 does not deprive you of the protection of provisions that cannot be derogated from under the mandatory law of your country of residence.

24.3.2 You may sue us in the courts of your country of residence, and we may sue you only there.

24.3.3 Clauses 24.4 to 24.11 do not apply to you.

24.4 Agreement to arbitrate, United States residents only

24.4.1 If you live in the United States, you and T&T agree that any dispute arising out of or relating to these Terms, the Services, your account, your data or our relationship, in contract, tort, statute, fraud, misrepresentation or any other theory, whenever it arose, will be resolved by final and binding individual arbitration rather than in court.

24.4.2 You and T&T each waive trial by jury, and each waive taking part in a class, collective, consolidated or representative proceeding.

24.4.3 The arbitrator decides disputes about the interpretation, applicability, enforceability and formation of this agreement to arbitrate, except that a court decides any dispute about the scope, enforceability or validity of clauses 24.9 and 24.10.

24.4.4 The decision is final and binding, and judgment may be entered in any court of competent jurisdiction.

24.5 What is excluded

24.5.1 Not subject to arbitration:

a) any individual small claims court action by either of us, while it stays individual there;
b) any claim by either of us for injunctive or equitable relief about intellectual property;
c) any claim that cannot lawfully be sent to pre-dispute arbitration;
d) any dispute about the enforceability, scope or validity of clause 24.9 or 24.10.

24.5.2 Clauses 24.4 to 24.11 do not apply, and are of no effect, for any consumer resident in Mexico, Brazil, or anywhere a pre-dispute arbitration agreement, jury waiver or class waiver is unenforceable against a consumer.

24.6 Opting out

24.6.1 You may opt out of clauses 24.4 to 24.11 entirely, and then disputes go to the courts in 24.12.

24.6.2 How. Email admin@inniehub.com, subject line "Arbitration Opt-Out", with your name and the email on your account.

24.6.3 When. Within 30 days of first accepting these Terms, or, if we introduce or materially change this clause, within 30 days of that change taking effect.

24.6.4 That is the whole process. No form, no reason, no phone call, and no attempt by us to talk you out of it.

24.6.5 Opting out changes nothing else, not your account, your access, your subscription or your standing.

24.6.6 We will not retaliate against, restrict or disadvantage anyone for opting out, bringing a claim, or taking part in a proceeding.

24.6.7 We confirm your opt-out in writing. Keep it.

24.7 How it works

24.7.1 Administered by the American Arbitration Association under its Consumer Arbitration Rules as modified here. Rules and forms at www.adr.org.

24.7.2 If the AAA is unavailable or unwilling to administer consistently with this clause, we agree a substitute, failing which a court appoints one. If no administrator is available, clauses 24.4 to 24.11 do not apply.

24.7.3 One arbitrator, appointed under those rules.

24.7.4 Where. Hearings are remote by default. If you ask for one in person it is held in the county where you live, or wherever we agree. You will never be required to travel to Florida, or outside your own county, to bring a claim against us.

24.7.5 Where the rules allow a claim to be decided on written submissions alone, either of us may elect that.

24.7.6 The arbitrator may award anything a court could on an individual claim, but only to the individual seeking it and only as far as their own claim requires.

24.7.7 A written decision, with the essential findings and conclusions.

24.7.8 Confidential, except where disclosure is required by law or needed to enforce or challenge the award or to get professional advice. Nothing here stops you talking to a government agency, a regulator, a data protection authority or a consumer protection authority, or reporting conduct you believe unlawful.

24.8 Costs

24.8.1 Fees are allocated by the AAA Consumer Arbitration Rules, which cap what a consumer pays.

24.8.2 We pay any AAA filing, administrative and arbitrator fees above what those rules require you to pay, unless the arbitrator finds your claim frivolous or brought for an improper purpose.

24.8.3 Each of us bears our own legal fees, except where a statute or the rules say otherwise, or a claim or defence was frivolous.

24.8.4 Nothing here requires you to pay a fee the law or the rules say a consumer should not.

24.9 Class action waiver

24.9.1 Each of us may bring claims only individually, and not as a plaintiff or class member in any class, collective, consolidated, coordinated or representative proceeding.

24.9.2 The arbitrator may not consolidate more than one person's claims, may not preside over a class or representative proceeding, and may not award relief to a non-party. Clause 24.10 is the only exception and is administrative only.

24.9.3 This clause does not apply to anyone described in 24.5.2.

24.9.4 Only a court may decide whether this clause is enforceable.

24.10 Coordinated and mass filings

24.10.1 This is an administrative mechanism. It reduces nobody's rights, caps nobody's recovery, and consolidates nobody's claim for the purpose of deciding it.

24.10.2 If 25 or more substantially similar demands are filed against T&T by or with the help of the same or coordinated counsel, together or over time, they are administered as coordinated filings under the AAA's mass arbitration rules and fee schedule.

24.10.3 Batching. In batches of no more than 50, in the order received, one arbitrator per batch. Each demand is decided on its own facts and merits, with its own award.

24.10.4 Limitation periods are suspended for every demand in the group from the filing of the first until that person's demand is resolved. Waiting for your batch never costs you your claim.

24.10.5 Either party may propose that a batch be decided on written submissions, or that a common preliminary issue go first.

24.10.6 If a court finds this clause unenforceable, it is severed and the rest of 24.4 to 24.11 continue.

24.11 If part of this is unenforceable

24.11.1 Any provision of 24.4 to 24.10 other than 24.9 that is unenforceable is severed and the rest continues.

24.11.2 If clause 24.9 is unenforceable as to a particular claim or request for relief, that claim or request leaves the arbitration and goes to the courts in 24.12. Everything else stays in arbitration.

24.11.3 If clause 24.9 is unenforceable in its entirety, clauses 24.4 to 24.10 are void in their entirety and everything goes to the courts in 24.12. Neither of us will ever be required to arbitrate on a class or representative basis.

24.11.4 Clause 24.5.2 is a carve-out, not a severance.

24.12 Courts

24.12.1 Where a dispute is not arbitrated, because you opted out, because 24.5 or 24.11 applies, or because you are covered by 24.5.2, this applies.

24.12.2 United States residents. The state and federal courts in Pinellas County, Florida have exclusive jurisdiction, and we each consent to personal jurisdiction there and waive objections on venue or forum non conveniens. This does not affect either party's right to bring an individual small claims action.

24.12.3 Consumers outside the United States. Clause 24.3 applies, and nothing in 24.12.2 limits your right to sue where you live or lets us sue you anywhere else.

24.13 Always open to you

24.13.1 Nothing here prevents you complaining to a data protection supervisory authority, a consumer protection authority or any competent public body; using the appeal in clause 11; or reporting conduct you believe unlawful.

24.13.2 Using any of them waives, limits and delays nothing, and we will not treat it as a breach of these Terms or a reason to restrict your account.

24.14 Time limit

24.14.1 To the extent the law permits, a claim must be brought within one year of the date the claimant knew, or reasonably should have known, the facts giving rise to it.

24.14.2 Not where the mandatory law applicable to a consumer gives longer, and not to any claim that cannot lawfully be shortened by agreement.

24.14.3 The suspensions in 24.1.7 and 24.10.4 apply to this period.

24.15 Changes to this clause

24.15.1 A material change to clause 24 gets at least 30 days' notice and a fresh 30-day opt-out right from the date it takes effect.

24.15.2 No change applies to a dispute either of us gave notice of beforehand.

24.16 Survival

24.16.1 Clause 24 survives termination of these Terms, of your account, and closure of the Services.

25. Changes

25.1 We may change these Terms. Where a change is material or disadvantageous to you, at least 30 days' notice by email and in the application before it takes effect.

25.2 Continuing to use the Services after it takes effect means you accept it. If you do not, stop and delete your account under clause 19, and where you have paid for a period extending past the change, we refund the unused portion.

25.3 We never apply a change retroactively to a dispute that has already arisen.

25.4 Previous versions stay available at the legal centre.

26. Assignment and change of operator

26.1 You may not assign your rights under these Terms.

26.2 We may assign or transfer these Terms to an affiliate, or in a merger, reorganisation, acquisition or sale of assets, including transferring the operation of InnieHub from T&T Consulting Business, LLC to another entity in the same group. We will tell you before it takes effect, the transferee is bound by these Terms and the Privacy Policy as they then stand, and if you would rather not continue you may delete your account and take a refund of the unused portion of anything paid to us directly.

26.3 A change of operator does not reduce your rights.

27. General

27.1 Entire agreement. These Terms and the documents in clause 1.4 are the whole agreement about the Services and replace anything said before.

27.2 Severability. An unenforceable provision is narrowed to the minimum needed, or removed, and the rest stands.

27.3 No waiver. Not enforcing something is not giving it up.

27.4 Third parties. Only Apple under 18.9 and the indemnified persons under 23 may enforce anything here.

27.5 Notices. We reach you at the email on your account, by push notification, or in the application. You reach us at clause 28. If you use Apple's "Hide My Email" and later disable the forwarding address, notices sent to it are still validly given, see clause 5.2.1, and keep the address working.

27.6 Language. Drafted in English, and the English version governs. We publish a Spanish translation for convenience. This does not affect any right you have under the mandatory law of your country to rely on a version in your own language, and where such a law applies it prevails over this clause.

27.7 Export and sanctions. Do not use the Services in breach of export control or sanctions law.

27.8 Headings are for convenience.

28. Contact

T&T Consulting Business, LLC · 13575 58th Street North, Suite 200, Clearwater, FL 33760, United States

If you are in immediate danger, do not write to us. Contact your local emergency services.