Terms of Service

Agreement to these Terms

By creating an account, clicking to accept these Terms, accessing, or using Stubly, you agree to these Terms of Service.

If you use Stubly on behalf of a company, organization, or other entity, you represent that you have authority to bind that entity to these Terms. In that case, “you” and “your” refer to that entity.

If you do not agree to these Terms, do not use Stubly.

What Stubly does

Stubly turns supported x402 payment events into PDF receipts and structured transaction records designed to support bookkeeping and recordkeeping workflows.

Customers send signed payment events to a Stubly webhook endpoint. Stubly receives and processes those events, identifies duplicate submissions, generates receipts, and makes transaction information and receipts available through a dashboard and export tools.

Stubly is downstream of the payment itself. We do not initiate, authorize, process, settle, custody, reverse, or guarantee payments.

Non-reliance; no independent verification; no professional advice

Unless we expressly state otherwise in writing, Stubly’s outputs are generated from Customer Data and other inputs you or your systems provide. They are tools to support your own workflows and are not a substitute for your own records, diligence, or professional advice.

We do not independently verify or attest that any event submitted to Stubly represents a valid, final, settled, irreversible, accurately described, or correctly characterized transaction.

We do not represent or warrant that any receipt, transaction record, export, or other output constitutes independent verification of payment, settlement, finality, compliance, audit sufficiency, tax or accounting adequacy, evidentiary sufficiency, or regulatory compliance.

Stubly is not a payment processor, money transmitter, custodian, financial institution, accounting firm, tax advisor, compliance service, or independent blockchain verifier.

You are responsible for confirming the accuracy, completeness, timing, and characterization of information relevant to your transactions and for obtaining your own legal, tax, accounting, financial, and compliance advice as needed.

Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use Stubly.

During the early-access period, each person or entity may maintain only one Stubly account unless we approve otherwise.

Your account

You are responsible for:

• providing accurate account information;
• keeping your login credentials secure;
• controlling access to your account;
• promptly notifying us if you believe your account has been compromised; and
• all activity conducted through your account, except to the extent caused by our breach of these Terms or failure to use reasonable security measures.

You may not share account credentials in a way that defeats account restrictions or security controls.

Not a system of record; data preservation

Stubly is not designed to be your sole system of record.

You should maintain independent records necessary to meet your business, legal, tax, accounting, audit, and compliance obligations. Service features, configurations, and retention practices may change, and data may become unavailable because of account changes, configuration, deletion, service interruption, or other events.

You are responsible for exporting and preserving information you need for your obligations. Stubly should not be your only system of record for information you are required to preserve.

Customer Data

“Customer Data” means information, content, payment-event data, transaction metadata, email addresses, and other information that you or your systems submit to Stubly.

You retain your rights in Customer Data.

You grant us a limited, non-exclusive right to host, store, copy, transmit, process, modify, and display Customer Data only as reasonably necessary to:

• provide, operate, maintain, secure, and improve Stubly;
• generate receipts, transaction records, dashboards, and exports;
• send communications you request through the service;
• prevent fraud, abuse, and security incidents;
• provide support and troubleshoot problems;
• enforce these Terms; and
• comply with applicable law and valid legal process.

We do not sell Customer Data or share it for cross-site behavioral advertising. We do not use Customer Data to train generalized artificial intelligence or machine-learning models for unrelated products or third-party advertising.

You represent that you have all rights, permissions, notices, consents, and other lawful authority necessary to submit Customer Data to Stubly and to instruct us to process it as described in these Terms and our Privacy Policy.

You are responsible for the legality, accuracy, quality, and content of Customer Data.

Payer information and receipt emails

You may choose to include a payer’s email address or other optional information in a payment event.

If you provide personal information about another person, you represent that you are authorized to provide that information to Stubly for the purposes requested.

If you instruct Stubly to send a receipt or other communication to an email address, you represent that you are authorized to provide that address and request the communication.

You are responsible for determining whether your collection and use of payer information complies with applicable law.

Do not submit sensitive personal information that is not necessary to use Stubly, such as passwords, government identification numbers, health information, or other highly sensitive data.

Webhook endpoints and signing secrets

When you create a webhook endpoint, Stubly generates a signing secret used to authenticate payment events sent to that endpoint.

You are responsible for:

• keeping signing secrets confidential;
• limiting access to people and systems that need them;
• not exposing them in public repositories, client-side code, logs, or other public locations; and
• promptly rotating or replacing any secret you believe has been compromised.

If a signing secret is compromised, you should revoke the affected endpoint through the dashboard and replace it with a new endpoint or secret, as supported by the service.

Stubly stores signing secrets in a form that allows the service to authenticate incoming webhook requests and uses access controls designed to limit access to personnel and systems with a legitimate need. Storage and protection methods may vary with the service architecture and may include encryption at rest or other appropriate safeguards.

Revoked secrets cannot be recovered.

Acceptable use

You may not use Stubly to:

• violate any applicable law or regulation;
• record, facilitate, conceal, or support payments connected to illegal activity;
• submit information that you do not have the right to provide;
• infringe or violate another person’s intellectual property, privacy, publicity, or other rights;
• compromise or attempt to compromise the security or integrity of Stubly or another user’s data;
• gain unauthorized access to accounts, systems, networks, or data;
• bypass authentication, access controls, rate limits, or other technical restrictions;
• send traffic that exceeds published rate limits or constitutes abusive, excessive, or disruptive use;
• introduce malware, malicious code, or harmful content;
• reverse engineer, decompile, disassemble, or attempt to extract the source code of the service, except to the limited extent such a restriction is prohibited by law;
• impersonate another person or organization;
• use the service to harass, defame, threaten, or unlawfully harm another person;
• interfere with the operation of the service or another user’s use of it; or
• use Stubly in a way that creates unreasonable legal, security, operational, or reputational risk for us or other users.

We may investigate suspected violations.

We may suspend or terminate access for material violations after reasonable notice and an opportunity to remedy when feasible. We may act immediately when we reasonably believe the conduct presents a serious legal, security, fraud, abuse, or service-integrity risk, or when repeated violations have occurred.

Early access

Stubly is currently an early-access service. Features may be incomplete, changed, added, removed, or discontinued.

You understand that early-access software may contain errors and may not be suitable for critical or high-risk uses.

Service availability

The early-access service is provided without an uptime or service-level guarantee.

We may temporarily limit, suspend, or interrupt the service for maintenance, security, infrastructure issues, legal requirements, or other operational reasons.

We will provide reasonable notice of planned maintenance when feasible, but we cannot guarantee advance notice.

Stubly depends on third-party hosting, authentication, database, storage, email, blockchain, network, and infrastructure services. Interruptions or failures in systems outside our reasonable control may affect the service.

Fees and paid plans

Stubly is free during the early-access period. There are currently no service charges and therefore no payments to refund.

You may stop using Stubly and request account deletion at any time.

Before introducing paid plans, we will publish the applicable pricing, billing, cancellation, renewal, tax, and refund terms and update these Terms as appropriate. Any applicable auto-renewal terms will be disclosed before a paid subscription begins.

Intellectual property

Stubly and RitzyLabs retain all rights in the service, software, code, systems, design, branding, trademarks, documentation, and other materials we provide, except for Customer Data and third-party materials.

These Terms do not transfer ownership of our intellectual property to you.

Subject to these Terms, we give you a limited, non-exclusive, non-transferable, revocable right to access and use Stubly for your internal business or personal purposes while your account is active.

You retain your rights in Customer Data.

As between you and us, you may use receipts and transaction records generated from your Customer Data for your business and recordkeeping purposes.

Feedback

If you voluntarily provide suggestions, ideas, comments, or other feedback about Stubly, you grant us the right to use that feedback without restriction or obligation to you.

This does not give us ownership of your Customer Data.

Privacy

Our collection and handling of personal information is described in our Privacy Policy.

By using Stubly, you acknowledge that information may be processed as described in that policy.

Third-party services

Stubly relies on third-party services and infrastructure.

We are not responsible for third-party products, services, networks, blockchains, websites, or systems that we do not control. Your use of third-party services may be governed by separate terms and privacy policies.

A failure or change in a third-party service may affect Stubly’s operation or availability.

Suspension and termination; deletion and export

You may stop using Stubly and request account deletion at any time.

We may suspend or terminate your access if:

• you materially violate these Terms;
• your use creates a serious legal, security, fraud, abuse, or service-integrity risk;
• we are required to do so by law or valid legal process; or
• continued operation of the service or your account is no longer reasonably practical.

When feasible, we will provide reasonable notice and an opportunity to remedy a material violation before termination. We may act immediately when necessary to address a serious risk or legal requirement.

After account deletion or termination, we generally maintain a 30-day grace period during which you may request an export of available Customer Data.

After the grace period, we generally delete Customer Data and generated receipts from active systems, subject to limited retention where reasonably necessary for legal obligations, security, fraud prevention, dispute resolution, enforcement of agreements, and ordinary backup processes.

Information remaining in backups may persist until those backups are deleted or overwritten according to our ordinary retention practices.

You are responsible for exporting information you wish to keep within the available window.

Changes to the service

We may add, change, limit, or remove features as Stubly develops.

If we discontinue Stubly entirely, we will provide reasonable advance notice when feasible and a reasonable opportunity to export available data.

Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STUBLY IS PROVIDED “AS IS” AND “AS AVAILABLE.”

RITZYLABS DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, AND QUIET ENJOYMENT.

WE DO NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE;
• ALL ERRORS OR DEFECTS WILL BE CORRECTED;
• CUSTOMER DATA OR GENERATED RECORDS WILL NEVER BE LOST OR CORRUPTED;
• INFORMATION OR OUTPUTS WILL BE COMPLETE OR ACCURATE;
• A PAYMENT EVENT REPRESENTS A VALID, FINAL, SETTLED, OR IRREVERSIBLE PAYMENT; OR
• ANY RECEIPT, RECORD, EXPORT, OR OTHER OUTPUT WILL SATISFY A PARTICULAR LEGAL, TAX, ACCOUNTING, AUDIT, EVIDENTIARY, REGULATORY, OR COMPLIANCE REQUIREMENT.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS, SO SOME OF THESE DISCLAIMERS MAY NOT APPLY TO YOU.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RITZYLABS AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO STUBLY OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF RITZYLABS FOR ALL CLAIMS ARISING OUT OF OR RELATED TO STUBLY OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

• THE AMOUNT YOU PAID TO RITZYLABS FOR STUBLY DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR
• US $100.

THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF WE HAVE BEEN ADVISED THAT A LOSS IS POSSIBLE.

THE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

Indemnification

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless RitzyLabs and its members, managers, officers, employees, contractors, and agents from third-party claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• your Customer Data;
• your unlawful or unauthorized use of Stubly;
• your violation of these Terms;
• your violation of applicable law;
• your infringement or violation of another person’s rights; or
• your submission of personal information without the rights or authority necessary to provide it.

This obligation does not apply to the extent a claim results from RitzyLabs’ own unlawful conduct, gross negligence, or willful misconduct.

We will provide reasonable notice of a covered claim and reasonable cooperation at your expense. You may not settle a claim in a way that admits wrongdoing by or imposes obligations on RitzyLabs without our written consent.

Changes to these Terms

We may update these Terms from time to time.

We will provide existing users at least 30 days’ notice before a material change takes effect. Notice may be sent to the email address associated with your account or provided through the service.

Changes required by law or necessary to address an urgent security issue may take effect sooner when reasonably necessary.

Your continued use of Stubly after revised Terms take effect means you accept the revised Terms. If you do not agree, you must stop using Stubly.

Governing law and disputes

These Terms are governed by the laws of the State of North Dakota, without regard to conflict-of-law principles.

Any dispute arising out of or relating to these Terms or Stubly will be brought in the state or federal courts located in North Dakota, and you consent to the jurisdiction and venue of those courts.

Nothing in this section prevents either party from seeking emergency or injunctive relief in a court with appropriate jurisdiction when necessary to protect intellectual property, confidential information, data, or system security.

General terms

Neither party is liable for delay or failure caused by events beyond its reasonable control, except for payment obligations.

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or similar transaction.

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect.

A failure to enforce a provision is not a waiver of the right to enforce it later.

These Terms, together with the Privacy Policy and any additional terms expressly incorporated by reference, form the entire agreement between you and RitzyLabs concerning Stubly, except for a separate written agreement that expressly overrides part of these Terms.

Provisions that by their nature should survive termination will survive, including provisions concerning ownership, disclaimers, limitations of liability, indemnification, disputes, and general terms.

Contact

Questions about these Terms?

Email jeff@getstubly.com.