Terms of Service

Effective Date: March 4, 2026

1. Acceptance of Terms

Welcome to SkillDeck ("Platform," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the SkillDeck website, mobile applications, and all related services (collectively, the "Services") operated by SkillDeck, LLC, a Florida limited liability company.

By creating an account, accessing, or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services. We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Platform. Your continued use of the Services after such notice constitutes acceptance of the updated Terms.

Effective Date: March 4, 2026

2. Definitions

  • "Client" means a user who requests or purchases services through the Platform.
  • "Service Provider" or "Provider" means a user who offers and performs services listed on the Platform.
  • "User" means any individual who accesses the Platform, whether as a Client, Provider, or visitor.
  • "Listing" means a service offering published on the Platform by a Provider.
  • "Order" means a confirmed agreement between a Client and a Provider for the provision of services.
  • "Content" means any text, images, reviews, messages, or other materials submitted to the Platform.
  • "Platform Fee" means the percentage-based fee charged by SkillDeck on each transaction.

3. About the Platform

SkillDeck is an online marketplace that connects Clients seeking local services with independent Service Providers who offer those services. SkillDeck is a technology platform and acts solely as an intermediary.

SkillDeck does not employ, supervise, direct, or control Service Providers. We do not endorse any particular Provider, guarantee the quality of services, or assume responsibility for the performance of any service. The contractual relationship for services is solely between the Client and the Provider. SkillDeck is not a party to that agreement.

SkillDeck does not act as an agent, employer, joint venturer, or partner of any User. Service Providers are independent contractors who determine their own pricing, availability, methods, and work schedule.

4. Eligibility

You must be at least 18 years old and capable of forming a binding contract under applicable law to use the Services. By creating an account, you represent and warrant that you meet these requirements. We may require verification of your identity or age at any time.

5. Account Registration and Security

To access most features of the Platform, you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration.
  • Maintain and promptly update your account information.
  • Keep your login credentials confidential and not share them with third parties.
  • Notify us immediately of any unauthorized access to your account.
  • Accept responsibility for all activities under your account.

We reserve the right to suspend or terminate accounts that contain inaccurate or fraudulent information.

6. Service Provider Requirements

If you register as a Service Provider, you represent and warrant that:

  • You are an independent contractor and not an employee of SkillDeck.
  • You hold all licenses, permits, certifications, and insurance required by applicable laws for the services you offer.
  • You are solely responsible for the quality, legality, safety, and proper delivery of your services.
  • You are responsible for all applicable taxes, including income tax and self-employment tax, on earnings received through the Platform.
  • You will comply with all applicable local, state, and federal laws and regulations.

SkillDeck may, but is not obligated to, request proof of licensing, insurance, or qualifications. Failure to provide requested documentation may result in account suspension.

7. License to Use the Platform

Subject to your compliance with these Terms, SkillDeck grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or business use. This license does not include the right to:

  • Modify, copy, distribute, or create derivative works of the Platform.
  • Use data mining, robots, or similar data-gathering tools on the Platform.
  • Sublicense, sell, or commercially exploit any aspect of the Services.
  • Reverse engineer, decompile, or disassemble any part of the Platform.

8. User Content and Reviews

You retain ownership of Content you submit. By submitting Content to the Platform, you grant SkillDeck a worldwide, royalty-free, non-exclusive, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Content in connection with operating and promoting the Platform.

Review System

SkillDeck uses a double-blind review system. After an Order is completed, both the Client and the Provider may submit reviews. Reviews remain hidden until both parties have submitted theirs (or a defined waiting period has elapsed), at which point both reviews are published simultaneously. This system ensures honest, unbiased feedback.

You agree that reviews must:

  • Be based on genuine first-hand experience with the transaction.
  • Not contain false, misleading, or defamatory statements.
  • Not include hate speech, threats, or personal information of others.

SkillDeck reserves the right to remove or moderate Content that violates these Terms, applicable law, or our community guidelines, at our sole discretion.

9. Prohibited Conduct

You agree not to:

  • Circumvent the Platform: Engage in transactions off-platform to avoid fees, or solicit users to do so.
  • Commit fraud: Provide false information, create fake accounts, manipulate reviews, or engage in deceptive practices.
  • Harass others: Use threatening, abusive, or discriminatory language toward any User.
  • Scrape or harvest data: Use automated tools to collect data from the Platform without authorization.
  • Interfere with the Platform: Attempt to disrupt, overload, or compromise the security of the Services.
  • Post illegal content: Upload or transmit content that is unlawful, harmful, or infringes third-party rights.
  • Misrepresent identity: Impersonate another person or entity, or misrepresent your affiliation.
  • Spam: Send unsolicited commercial messages through the Platform.

Violation of these prohibitions may result in immediate account suspension or termination, at our sole discretion.

10. Orders and Service Agreements

When a Client and Provider agree to an Order through the Platform, the Order constitutes a binding agreement between the Client and Provider. SkillDeck is not a party to this agreement and is not responsible for the performance, quality, safety, or legality of services provided.

Both parties are responsible for communicating expectations, scope, and timing through the Platform. Any modifications to an Order should be documented through the Platform's messaging system.

11. Fees, Payments, and Taxes

Payment Processing

Payments are processed through our third-party payment processor, Stripe (the "Payment Processor"), via Stripe Connect. By using the Platform, you agree to Stripe's Connected Account Agreement and Privacy Policy. Providers must register for and maintain a connected account with the Payment Processor to receive payments.

SkillDeck is not a bank or a money services business, and does not itself take possession of Client funds. All payment amounts are held in accounts maintained with the Payment Processor until they are released to the Provider as described below.

Appointment as Limited Payment Collection Agent

Each Provider appoints SkillDeck, acting through the Payment Processor, as the Provider's limited agent solely for the purpose of collecting paymentsfrom Clients on the Provider's behalf. A Client's payment obligation to a Provider for an Order is satisfied when the Client's payment is received by the Payment Processor, regardless of when the corresponding funds are released to the Provider. A Provider's sole remedy for amounts collected on its behalf is against SkillDeck, not the Client.

Holding and Release of Funds

Amounts a Client pays for an Order are held with the Payment Processor and are not released to the Provider until the Order is completed — when the Client confirms completion, or automatically 72 hours after the Provider marks the Order complete, whichever occurs first — and are subject to any pending refund, cancellation, or dispute at that time.

Upon release, the Provider receives the amount paid for the Order, less (i) any refunds already issued, (ii) SkillDeck's Platform Fee, and (iii) the Payment Processor's payment-processing fees. Held amounts do not accrue interest for the benefit of the Client or the Provider. After release, the timing of payouts to the Provider's bank account is governed by the Payment Processor's payout schedule and policies, not by SkillDeck.

In limited circumstances — including transactions initiated before this payment model took effect — a Client's payment may instead be routed to the Provider's connected account at the time of payment, less the applicable fees described in this Section.

Platform Fee

SkillDeck charges a platform fee of 3%on each transaction, deducted at the time funds are released to the Provider. This platform fee is in addition to the Payment Processor's payment-processing fees (approximately 2.9% + $0.30 per transaction), which are also borne by the Provider. The platform fee covers access to the marketplace, dispute support, and platform maintenance. We reserve the right to modify our fee structure with at least 30 days' notice.

Taxes

Users are solely responsible for determining and paying all applicable taxes on transactions conducted through the Platform. SkillDeck does not withhold taxes on behalf of Users. Providers are responsible for reporting income earned through the Platform to the relevant tax authorities.

12. Cancellations and Refunds

Refunds may be issued by the Provider or by SkillDeck (acting as administrator), and may be for the full amount paid or a partial amount.

Before funds are released to the Provider, refunds are paid to the Client out of the held amounts. If an Order is cancelled and fully refunded before release, the Client receives a full refund of the amounts paid and no Platform Fee is charged. If a partial refund is issued, the remainder continues to be held and, upon completion of the Order, is released to the Provider less the fees described in Section 11, computed on the remaining amount.

After funds have been released to the Provider, a refund is paid to the Client and SkillDeck may recover a corresponding proportional amount from the Provider's connected account. Each Provider authorizes the Payment Processor to debit or reverse transfers to its connected account for this purpose.

Refunds are also subject to the cancellation and refund policy the Provider sets on each Listing. Clients should review a Listing's policy before placing an Order.

If a dispute arises over a cancellation or refund, SkillDeck may, at its sole discretion, review the circumstances, determine whether held funds are refunded to the Client or released to the Provider, and issue a resolution. Any such resolution is final and binding.

13. Disputes Between Users

You acknowledge that SkillDeck is not a party to the agreements between Clients and Providers. If a dispute arises between Users, the Users are encouraged to resolve it directly. SkillDeck may, but is not obligated to, provide mediation or dispute resolution assistance.

If SkillDeck intervenes in a dispute, our decision is made at our sole discretion and is final. You agree to release SkillDeck from any claims arising out of disputes between Users.

14. Intellectual Property

The Platform, including its design, logos, trademarks, code, content, and all related intellectual property, is owned by SkillDeck, LLC or its licensors. All rights not expressly granted in these Terms are reserved.

You may not use SkillDeck's name, logos, or trademarks without our prior written consent.

15. Copyright / DMCA

SkillDeck respects the intellectual property rights of others. If you believe that content on the Platform infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act (DMCA) to our designated agent:

DMCA Agent
SkillDeck, LLC
Email: support@skilldeck.com
Subject line: "DMCA Takedown Request"

Your notice must include:

  • Identification of the copyrighted work claimed to be infringed.
  • Identification of the material that is claimed to be infringing and its location on the Platform.
  • Your contact information (name, address, phone, email).
  • A statement that you have a good faith belief that the use is not authorized by the copyright owner.
  • A statement, under penalty of perjury, that the information in the notice is accurate and you are authorized to act on behalf of the copyright owner.
  • Your physical or electronic signature.

17. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

SKILLDECK DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. SKILLDECK DOES NOT GUARANTEE THE QUALITY, ACCURACY, TIMELINESS, OR COMPLETENESS OF ANY SERVICES PROVIDED BY SERVICE PROVIDERS THROUGH THE PLATFORM.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SKILLDECK, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.

SKILLDECK'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO SKILLDECK IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

19. Indemnification

You agree to indemnify, defend, and hold harmless SkillDeck, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the Services.
  • Your violation of these Terms.
  • Your violation of any applicable law or regulation.
  • Your Content or the services you provide through the Platform.
  • Any dispute between you and another User arising from a transaction.

20. Account Suspension and Termination

We may suspend or terminate your account, at our sole discretion, with or without notice, for any reason, including but not limited to:

  • Violation of these Terms.
  • Fraudulent, abusive, or unlawful activity.
  • Extended inactivity.
  • Requests by law enforcement or government agencies.

You may delete your account at any time through your account settings. Upon termination, your right to use the Services ceases immediately. Provisions that by their nature should survive termination (including indemnification, limitation of liability, and dispute resolution) shall survive.

21. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.

Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services ("Disputes") shall be resolved through binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be conducted in English, and the arbitrator's decision shall be final and binding.

Class Action Waiver

YOU AND SKILLDECK EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.

Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to support@skilldeck.com within 30 days of first accepting these Terms. Your notice must include your name, account email, and a clear statement that you wish to opt out of the arbitration provision.

Exceptions

Notwithstanding the above, either party may bring individual claims in small claims court, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

22. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws provisions. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in Delaware.

23. General Provisions

  • Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
  • Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and SkillDeck regarding the Services.
  • Waiver: Our failure to enforce any provision does not constitute a waiver of that provision.
  • Assignment: You may not assign your rights under these Terms without our consent. SkillDeck may assign its rights without restriction.
  • Force Majeure: SkillDeck shall not be liable for delays or failures in performance resulting from events beyond our reasonable control, including natural disasters, pandemics, government actions, or internet disruptions.
  • No Agency: Nothing in these Terms creates an employment, agency, partnership, or joint venture relationship between you and SkillDeck.

24. Contact Information

If you have questions about these Terms, please contact us:

SkillDeck, LLC
A Florida limited liability company
Email: support@skilldeck.com