Terms of Service

1. Acceptance of Terms

By accessing or using the Platform, you confirm that you have read, understood, and agree to these Terms. If you are using the Platform on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and "you" refers to both you and that organization.

2. Definitions

• "Platform" — the peer2peer.group website, applications, and services.
• "User" — any person who accesses or uses the Platform, in any role.
• "Member" — a User who participates in a peer group.
• "Host" or "Facilitator" — a User who creates, leads, or facilitates a peer group or session.
• "Organization" — an entity that operates one or more groups on the Platform, typically with its own branding and subdomain.
• "Group" — a peer advisory group, cohort, or community operating on the Platform, including topic boards and Learning Link boards.
• "User Content" — any content a User posts, submits, uploads, or shares on or through the Platform, including posts on topic boards and Learning Link boards, comments, messages, and materials shared in sessions.

3. Description of the Service; No Professional Advice

Peer2Peer Group provides software that enables peer advisory groups to organize, meet, communicate, and share information. We provide the technology; the substance of what happens in groups and sessions comes from Users.

We do not provide professional advice. Peer2Peer Group is not a provider of legal, financial, tax, medical, psychological, therapeutic, business consulting, coaching, or other professional services. Any information, guidance, or opinions shared on the Platform — whether by Hosts, Members, or other Users — are the views of the individual who shared them and are not advice from Peer2Peer Group. You are solely responsible for evaluating, and bear all risk associated with, any information or guidance you receive through the Platform. Nothing on the Platform creates a professional-client relationship of any kind with Peer2Peer Group.

Sessions may occur through a Host's chosen third-party video platform. We do not control and are not responsible for those third-party services (see §14).

4. Eligibility and User Accounts

You must be at least 18 years old to use the Platform. By using it, you represent that you are 18 or older.

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Provide accurate information when you register and keep it current. Notify us promptly of any unauthorized use of your account. We are not liable for any loss arising from your failure to safeguard your credentials.

5. User Roles

The Platform supports multiple roles, each with different permissions and responsibilities:

• Super Admin — Peer2Peer Group's platform-level administrators.
• Organization Admin — manages an Organization's groups, branding, and members.
• Host / Facilitator — creates and leads groups and sessions (see §8).
• Member — participates in groups and sessions.

Your permissions depend on your role. You agree not to attempt to access features or data outside the permissions assigned to your role.

6. Acceptable Use

You agree that you will not, and will not permit anyone acting on your behalf to:

• Post or share User Content that is unlawful, defamatory, harassing, abusive, threatening, hateful, obscene, or that infringes any third party's intellectual property, privacy, or other rights;
• Impersonate any person or entity or misrepresent your affiliation;
• Upload viruses, malware, or any code intended to disrupt or damage the Platform;
• Attempt to gain unauthorized access to the Platform, other accounts, or connected systems;
• Scrape, harvest, or collect data about other Users without their consent;
• Use the Platform to send spam or unsolicited commercial communications;
• Use the Platform for any unlawful purpose or in violation of these Terms.

We may investigate and take appropriate action against anyone who violates this section, including removing content and suspending or terminating accounts.

7. User Content

You own your content. You retain ownership of your User Content. You are solely responsible for your User Content and the consequences of posting or sharing it.

License to us. You grant Peer2Peer Group a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, and distribute your User Content solely as necessary to operate, provide, and improve the Platform. This license ends when you delete your User Content or your account, except (a) to the extent your content has been shared with others who have not deleted it, and (b) for reasonable backup copies retained for a limited period.

Your representations. You represent and warrant that you own or have all necessary rights to your User Content, and that your User Content does not violate any law or infringe or misappropriate any third party's rights.

We do not monitor or endorse User Content. Peer2Peer Group acts as a passive host of User Content. We do not, and have no obligation to, pre-screen, monitor, or review User Content. User Content reflects the views and opinions of the User who posted it — not those of Peer2Peer Group — and we do not endorse, guarantee, or take responsibility for any User Content. You acknowledge that Peer2Peer Group is not responsible or liable for any User Content, including content posted by Members or Hosts on topic boards, Learning Link boards, or in sessions.

Our right to remove. We may, but are not obligated to, remove, disable, or restrict access to any User Content at any time, for any reason, without notice.

8. Host / Facilitator Terms

If you use the Platform as a Host or Facilitator, the following additional terms apply.

Independent contractor status. You are an independent operator. Nothing in these Terms creates an employment, agency, partnership, joint venture, or franchise relationship between you and Peer2Peer Group. You are not an employee, agent, or representative of Peer2Peer Group, you have no authority to bind Peer2Peer Group, and you may not represent yourself as such. Peer2Peer Group is a technology provider only and is not a party to any relationship between you and your Members.

You are responsible for your groups and sessions. You are solely responsible for the content, conduct, quality, and outcomes of the groups and sessions you host, including all information, guidance, and materials you or your Members share. Peer2Peer Group does not control and is not responsible or liable for anything you say, do, share, or advise, or for the acts or omissions of your Members. You are responsible for complying with all laws applicable to your activities, including any professional licensing, tax, and consumer-protection obligations, and for obtaining any consents required from your Members.

Your representations as a Host. You represent that you have the right and any necessary qualifications to operate your groups and sessions, and that you will not use the Platform in any way that creates liability for Peer2Peer Group or harms other Users.

9. Interactions Between Users; Assumption of Risk

The Platform connects people. Peer2Peer Group does not vet, screen, verify, or conduct background checks on Users, Hosts, Members, or Organizations, and makes no representations about any User's identity, qualifications, character, or conduct.

You interact with other Users — online, by video, or in person — at your own risk. You are solely responsible for your interactions with other Users. Peer2Peer Group is not responsible or liable for the conduct of any User, whether on or off the Platform, and you release Peer2Peer Group from any claims arising out of your interactions with other Users. We encourage you to use good judgment and take appropriate precautions in all interactions.

10. Fees, Payments, and Revenue Share

Some features and groups require payment. Payments are processed through Stripe, and your use of payment features is subject to Stripe's terms and privacy policy. You authorize us and Stripe to charge your selected payment method for applicable fees.

Revenue share.For paid groups, Peer2Peer Group retains a platform fee of twelve percent (12%) of the fees collected. The remaining eighty-eight percent (88%) is distributed between the Organization and the Host in accordance with the revenue-share arrangement established for the applicable Group or Cohort. Payment processing fees charged by Stripe are handled in accordance with Stripe's terms and the arrangement established for the Group.

Taxes. You are responsible for determining and paying any taxes that apply to amounts you earn or pay through the Platform.

Refunds. Except as required by law or expressly stated in writing, fees are non-refundable. Refund and cancellation terms for a specific paid group are determined by the Organization or Host operating that group, and you should review those terms before purchasing.

11. Confidentiality and Session Recordings

Confidentiality between Users.Peer groups often involve sharing sensitive personal and business information. While Users are expected to respect the confidentiality of what is shared within their groups, Peer2Peer Group cannot control and is not responsible for how other Users treat information you share. Do not share anything you are not comfortable having disclosed. Peer2Peer Group is not liable for any User's breach of confidentiality.

Recordings and AI recaps. The Platform may generate summaries, recaps, or notes from session content, including through automated or AI-assisted features (for example, post-session recap emails). By participating, you consent to the capture and processing of session content for these purposes as described in our Privacy Policy. Hosts are responsible for informing their Members if a session will be recorded and for obtaining any consent required by applicable law.

12. Intellectual Property

The Platform, including its software, design, text, graphics, logos, and other materials provided by Peer2Peer Group (excluding User Content), is owned by or licensed to Peer2Peer Group and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended purpose, subject to these Terms. You may not copy, modify, distribute, sell, or create derivative works from any part of the Platform without our prior written consent.

13. Copyright Policy (DMCA)

We respect intellectual property rights and respond to notices of alleged copyright infringement. If you believe your copyrighted work has been posted on the Platform without authorization, send a notice to our designated agent that includes:

1. Your physical or electronic signature;
2. Identification of the copyrighted work claimed to be infringed;
3. Identification of the material claimed to be infringing and its location on the Platform;
4. Your contact information;
5. A statement that you have a good-faith belief the use is not authorized;
6. A statement, under penalty of perjury, that the information is accurate and that you are the owner or authorized to act on the owner's behalf.

Designated Copyright Agent: [DMCA AGENT NAME / EMAIL / ADDRESS — Tim: register with the U.S. Copyright Office before filling this in]

We may remove allegedly infringing material and terminate the accounts of Users who are repeat infringers.

14. Third-Party Services

The Platform relies on and integrates with third-party services, including but not limited to video conferencing platforms chosen by Hosts, payment processing (Stripe), and infrastructure providers. We do not control these services and are not responsible or liable for their availability, performance, acts, or omissions. Your use of a third-party service is governed by that provider's own terms.

15. Indemnification

You agree to defend, indemnify, and hold harmless Peer2Peer Group and its owners, officers, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your User Content; (b) your use of the Platform; (c) your conduct, groups, or sessions, including any information or guidance you share; (d) your violation of these Terms or any law; or (e) your violation of any rights of a third party. We reserve the right to assume the exclusive defense of any matter subject to indemnification by you, in which case you agree to cooperate with us. This section survives termination of these Terms.

§16. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT — INCLUDING USER CONTENT — IS ACCURATE OR RELIABLE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

§17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PEER2PEER GROUP AND ITS OWNERS, 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, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE PLATFORM, ANY USER CONTENT, OR ANY INTERACTIONS WITH OTHER USERS, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO PEER2PEER GROUP IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

18. Termination

You may stop using the Platform and close your account at any time. We may suspend or terminate your access to the Platform, in whole or in part, at any time and for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Platform ends immediately. Sections that by their nature should survive termination — including Sections 7, 8, 9, 15, 16, 17, and 19 through 21 — will survive.

19. Dispute Resolution and Governing Law

These Terms are governed by the laws of the State of Iowa, without regard to its conflict-of-laws rules.

Binding Arbitration and Class-Action Waiver. Any dispute arising out of or relating to these Terms or the Platform will be resolved by binding arbitration administered by a recognized arbitration provider under its applicable rules, seated in Polk County, Iowa. You and Peer2Peer Group each waive the right to a jury trial and agree that claims may be brought only in an individual capacity, and not as a plaintiff or class member in any class or representative proceeding. Either party may bring an individual claim in small-claims court if it qualifies. If any part of this class-action waiver is found unenforceable, the remainder of this section still applies.

20. Changes to These Terms

We may update these Terms from time to time. When we make changes, we will update the "Effective Date" and "Version" above and, for material changes, provide reasonable notice (for example, by email or an in-app notice) and may require you to accept the updated Terms before continuing to use the Platform. Your continued use of the Platform after the updated Terms take effect constitutes acceptance of them.

21. General Provisions

• Entire Agreement. These Terms and the Privacy Policy are the entire agreement between you and Peer2Peer Group regarding the Platform and supersede any prior agreements.
• Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force.
• No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.
• Force Majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including outages of third-party services, natural disasters, or acts of government.
• Notices. We may provide notices to you by email or through the Platform. You may send legal notices to us at tim@peer2peer.group or 160 SE Dogwood Lane, Waukee, IA 50263.

22. Contact Us

Questions about these Terms? Contact us at tim@peer2peer.group.