Terms of Service

1. Acceptance of These Terms

These Terms of Service (the "Terms") are a legal agreement between you and Mocato Inc. ("Court Tabs", "we", "us", or "our"), the operator of the Court Tabs application and website (the "Service").

You accept these Terms when you check the box agreeing to them during registration and create an account, or when you otherwise access or use the Service. If you do not agree, do not create an account and do not use the Service.

• These Terms work together with our Privacy Policy, which describes how we handle your personal information. By accepting these Terms you also confirm you have read and acknowledged the Privacy Policy.
• We keep a dated, versioned record of your acceptance for our own records and to resolve disputes.

2. Eligibility and Age

To create an account and use the Service, you confirm that:

• You are at least 19 years old. If you are under the age of majority in your province or territory, you may only use the Service with the involvement and consent of a parent or legal guardian who agrees to these Terms on your behalf, where permitted by law.
• You have the legal capacity to enter into these Terms.
• You will provide accurate information about yourself and keep it up to date.
• Your use of the Service does not violate any law that applies to you.

Court Tabs involves arranging payments between people. You are responsible for ensuring you are legally able to send and receive money through the third-party payment methods you choose to use (for example, Interac e-Transfer), and for meeting any age or eligibility rules those services impose.

3. What Court Tabs Does (Description of the Service)

Court Tabs is a software application that helps friend groups and sports clubs organize court sessions and split the cost fairly. The Service lets you:

• Create or join clubs, and request or approve membership.
• Propose, schedule, and sign up for sports sessions (such as pickleball or tennis).
• Record reservations and attach proof of a booking (for example, a screenshot or PDF of a venue confirmation).
• Automatically calculate each participant's fair share of the actual court cost.
• Record payments between members — who owes whom, how much, and whether it has been claimed and confirmed — and attach proof of a payment (for example, an e-Transfer receipt).
• Group members into households and clubs, send notifications by email and browser push, and submit feedback.

The Service is provided as-is and may change over time. We may add, remove, or modify features, and some features (for example, certain payment methods) may be marked as planned or not yet available. Interac e-Transfer is currently supported as a way for users to pay each other; Venmo and PayPal are referenced as planned and may not be available.

4. User-to-User Payments — Critical Disclaimer

Please read this section carefully. It describes how money actually moves when you use Court Tabs, and what we do and do not do.

Court Tabs is a record-keeping tool, not a payment service.

• We do NOT process payments. We do not charge cards, move money, or transfer funds between users.
• We do NOT hold or escrow money. We never take custody of your funds at any point.
• We are NOT a bank, money services business, payment processor, or money transmitter.
• We are NOT a party to any transaction, payment, loan, or debt between you and any other user. Any amount one user owes another is solely between those users.

When the app shows that you owe someone money, or that someone owes you, the actual transfer happens directly between the two of you, outside of Court Tabs — for example, by Interac e-Transfer, or by another method you arrange. Court Tabs only records what you tell it: the amount, the method, the status (such as pending, claimed, or confirmed), and any proof file you choose to attach.

Because we do not handle the money:

• We do NOT guarantee that anyone will pay you, pay you on time, or pay you the correct amount.
• We do NOT verify that a payment actually happened. A status of "confirmed" or an attached receipt reflects what users entered or uploaded; it is not proof verified by us.
• We are NOT responsible for failed, reversed, fraudulent, duplicate, mistaken, or disputed transfers, or for any fees charged by a third-party payment method.
• The amounts the app calculates are estimates of a fair split based on the information entered (such as session times and the actual cost recorded). You are responsible for confirming that amounts are correct before sending or accepting money.

Disputes about money are between the users involved. We may, but are not required to, show records and attachments to the users involved to help them sort it out. We are not a mediator, arbitrator, or collection agency, and we have no obligation to recover money on your behalf.

5. Your Account, Handle, and Phone Number

To use most of the Service you need an account.

• You sign in with your email and password (managed through our authentication provider), and you may optionally enable biometric unlock on your device using a passkey/WebAuthn credential. Your biometric data never leaves your device — we only store a public key and a counter used to verify sign-ins.
• Your phone number. Creating an account requires a valid mobile phone number. We use it to contact you about your account and your activity on the Service.
• Text messages (SMS). By providing your number, you agree that Court Tabs may send you transactional text messages related to your use of the Service — for example, reminders about sessions or payments you're involved in, and one-time codes to verify your identity or sign you in. These are service messages, not marketing. Message and data rates may apply, and message frequency varies with your activity. You can opt out of non-essential reminders at any time by replying STOP to a message or in your notification settings; security and verification codes are essential to account safety and may continue while your account is active. For help, reply HELP or contact us at courttabs@mocato.com. Carriers are not liable for delayed or undelivered messages. Text messages are delivered through our SMS provider, Twilio, and its terms apply to that delivery. You confirm the number you provide is yours and that you may receive messages at it; update it in your account if it changes.
• You choose a public @-handle that others can use to find or invite you, and a full name shown to people you share a club with. You must not choose a handle that impersonates someone else, infringes another person's rights, or is offensive or misleading. We may reclaim, change, or remove handles.
• You are responsible for keeping your login credentials secure and for all activity under your account. Tell us promptly if you believe your account has been accessed without your permission.
• You provide a payment email and choose a payment method so others know how to pay you back. This information is shown to the relevant users when a payment is arranged. Keep it accurate — if it is wrong, people may send money to the wrong place, and that is not our responsibility.

You may not share your account, create accounts by automated means, or maintain more than one account to evade restrictions.

6. Acceptable Use and Conduct

Court Tabs is meant to help groups of people who know each other coordinate fairly. You agree that you will not:

• Use the Service to break the law, or to arrange or record anything illegal.
• Harass, threaten, defraud, or deceive other users, or misrepresent who you are.
• Enter false reservation, session, or payment information, or upload fake or altered proof files.
• Use the Service to collect, store, or share other users' personal information for any purpose other than coordinating sessions and payments within your clubs.
• Upload content that is unlawful, infringing, defamatory, hateful, or that contains malware.
• Attempt to access data you are not authorized to see, probe or breach our security or access controls, scrape the Service, or interfere with its normal operation.
• Reverse engineer, copy, resell, or build a competing service from the Service, except where that restriction is prohibited by law.
• Misuse the feedback or notification features (for example, spam).

We may investigate suspected violations and may suspend, limit, or terminate accounts that break these rules. We may keep audit logs of certain actions for security and accountability.

7. Your Content and Proof Attachments

"Your Content" means the information and files you provide, such as your profile details, club and session information, reservation and payment records, notes, feedback, and the proof files you upload (booking confirmations and payment receipts, as images or PDFs).

• You keep ownership of Your Content. You are responsible for it and for having the right to share it.
• You grant us a limited, non-exclusive, royalty-free, worldwide license to host, store, process, and display Your Content as needed to operate and provide the Service — including showing it to the specific other users the Service is designed to share it with. For example: a booking confirmation you attach to a reservation is shown to the other participants in that session; a payment receipt you attach is shown only to the payer and payee involved; and parts of your profile (such as your name, preferred name, bio, pronouns, and avatar) are visible to people who share an active club membership with you. This license exists so we can deliver these features; it ends when the content is removed, except as described below.
• Do not upload anything to a proof file or feedback attachment that you would not want the relevant other users (or our administrators reviewing feedback) to see.
• Our Privacy Policy explains in more detail what is collected, who can see it, and how long it is kept. Because Court Tabs preserves shared history (such as past sessions and payments) for accuracy and dispute resolution, some records and content remain after you delete your account, as described in the Privacy Policy and in the Termination section below.
• You are responsible for keeping your own copies of anything important to you. We do not promise to retain, back up, or return Your Content.

8. Clubs, Memberships, and Admins

Clubs are organized and run by users, not by us.

• A club admin can approve or remove members, set defaults (such as a venue or rate), and manage the club's settings. Club admins can see the club's membership list, including members' roles and status.
• Admins are users like you, not our employees or agents. We do not control how a club is run, how costs are set, or how disputes within a club are resolved.
• Joining a club means other active members of that club can see your public profile and that you are part of sessions you sign up for.
• We are not responsible for the decisions, conduct, fairness, or accuracy of any club, admin, or member, including how costs are split or how money is settled.
• We may act on platform-level issues (for example, removing content or accounts that violate these Terms), but we are not obligated to police or moderate clubs.

9. No Professional, Financial, or Tax Advice

The Service helps you organize and record sessions and payments, but it does not provide professional advice of any kind.

• Cost splits, balances, and "who owes what" figures are automated calculations for convenience only. They are not accounting, financial, tax, or legal advice, and may contain errors.
• You are solely responsible for the accuracy of the amounts you send and receive, and for any tax or legal consequences of your transactions.
• If you need advice about your finances, taxes, or legal rights, consult a qualified professional.

10. Third-Party Services and Venues

The Service relies on, and interacts with, third parties that we do not control.

• Payment methods (such as Interac e-Transfer and, in future, Venmo or PayPal) are operated by others and governed by their own terms. We are not responsible for them.
• Venues, facilities, and their booking systems and cancellation rules are independent of us. We do not book courts for you, guarantee availability, or take responsibility for a venue's pricing, cancellation windows, or conduct.
• The Service is delivered using third-party infrastructure and providers (for example, our hosting, database, email, and push-notification providers). Their availability affects ours.

Your dealings with any third party are solely between you and that third party.

11. Disclaimers of Warranties

To the fullest extent permitted by law:

• The Service is provided "AS IS" and "AS AVAILABLE", with all faults, and without warranties of any kind, whether express, implied, or statutory.
• We disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement.
• We do not warrant that the Service will be uninterrupted, timely, secure, error-free, or free of harmful components, that any defect will be corrected, or that the calculations, records, notifications, or data in the Service are accurate, complete, or reliable.
• We do not warrant that any user will pay, that any record or proof file is genuine, or that any transaction will complete.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you. In that case, the disclaimers apply to the maximum extent permitted by law.

12. Limitation of Liability

To the fullest extent permitted by law:

• We 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, arising out of or related to your use of (or inability to use) the Service.
• Without limiting the User-to-User Payments Disclaimer above, we will not be liable for any money you fail to receive, any money you send in error, or any dispute, debt, or transaction between you and another user.
• Our total aggregate liability for all claims relating to the Service will not exceed the greater of (a) the total amounts, if any, you paid us to use the Service in the 12 months before the claim, or (b) CAD $5.00.

These limits apply regardless of the legal theory and even if we were advised of the possibility of the damages. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case our liability is limited to the maximum extent permitted by law.

13. Indemnity

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Mocato Inc. and its directors, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• your use of the Service;
• Your Content or anything you upload, record, or submit;
• any transaction, payment, or dispute between you and another user;
• your violation of these Terms or of any law; or
• your violation of any rights of another person.

We may, at our option, take over the defense of any matter subject to indemnification, and you agree to cooperate with us in doing so.

14. Suspension and Termination

You may stop using the Service at any time. You may delete your account from within the app.

• When you delete your account, we anonymize your profile rather than erasing every record: your handle, name, and contact details are scrubbed or replaced, and your account is deactivated, but certain rows are retained so that shared history (such as past sessions and payments involving other users) stays intact for accuracy and dispute resolution. Our Privacy Policy describes exactly what happens to your information.
• We may suspend or terminate your access, with or without notice, if we reasonably believe you have violated these Terms, if your use creates risk or legal exposure, if required by law, or if we discontinue the Service.
• Sections that by their nature should survive termination — including the payments disclaimer, disclaimers, limitation of liability, indemnity, and governing law — survive.

15. Changes to These Terms

We may update these Terms from time to time.

• Each version of the Terms carries a version identifier and an effective date. When we make a material change, we will publish the updated Terms and increase the version.
• A material change will require you to accept the new version before you continue using the protected parts of the Service. The next time you sign in, you may be asked to review and re-accept the updated Terms; if you do not accept, you will not be able to continue using those features.
• Minor, non-material edits (such as fixing a typo) may be made without requiring re-acceptance.
• Your continued use of the Service after a change takes effect, and any re-acceptance you provide, means you accept the updated Terms. We keep a record of which version you accepted and when.

16. Governing Law and Disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there, without regard to conflict-of-laws rules.

• You agree that the courts located in Ontario, Canada will have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, except where applicable law gives you the right to bring proceedings elsewhere.
• Nothing in these Terms removes any mandatory consumer-protection rights you have under the law of your home jurisdiction.
• Talk to us first. Before starting any formal proceeding, you agree to contact us at privacyofficer@mocato.com with a description of the dispute and give us 30 days to work with you to resolve it informally.
• Individual disputes only — no class actions. To the maximum extent permitted by applicable law, you and Mocato Inc. each agree that disputes will be brought, heard, and resolved only on an individual basis, and each of us waives any right to commence, join, or participate in a class action, class or collective arbitration, or any other representative proceeding, or to consolidate a dispute with anyone else's, in any forum.
• Small claims. Either party may bring an individual claim in the small claims court of the applicable jurisdiction, where the claim qualifies.
• What this section does not do. Nothing in this section takes away rights that applicable law does not allow these Terms to take away. In particular, if you are a consumer, Ontario's Consumer Protection Act, 2002 (and similar consumer-protection laws elsewhere) may give you the right to bring a claim in court — including the Small Claims Court — or to commence or become a member of a class proceeding in respect of consumer-protection claims, despite the waiver above. This section applies only to the extent it is enforceable under the law that applies to you.

17. General

• If any part of these Terms is found unenforceable, the rest stays in effect.
• Our failure to enforce a provision is not a waiver of it.
• You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
• These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service.
• We may provide notices to you through the Service or by email to the address on your account.

18. Contact

Questions about these Terms can be sent to:

• Mocato Inc.
• privacyofficer@mocato.com
• Suite 1400 - 18 King Street East, Toronto, Ontario M5C 1C4, Canada

Effective date: 2026-06-15. Version: 0.4.