Draft for legal review. This document has not yet been approved by a Barbados lawyer and may change before My Meeting Turn launches.
Terms of Service
1. Who we are
My Meeting Turn ("the Service") is operated by Walton Hunte, trading as UBevents246, [registration number], [registered address], Barbados ("we", "us"). You can contact us at ubevents246network@gmail.com or through Help & support in the app.
2. What My Meeting Turn is, and what it is not
My Meeting Turn is a record-keeping and scheduling tool for meeting turns (rotating savings groups, sometimes called "meetings", "sou-sou" or "partner"). It helps organizers and members set up a meeting, agree its rules, keep a schedule, record contributions and payouts, store proof of payment and send reminders.
My Meeting Turn is not a bank, credit union, deposit-taking institution, money transmitter, investment service or insurer. We do not:
- receive, hold, pool, transfer or pay out any meeting money;
- guarantee that any member will pay, that any payout will be made, or the amount or date of any payout;
- check the identity, honesty or ability to pay of any organizer or member;
- give financial, legal, tax or investment advice.
All meeting money moves directly between members and organizers, outside the Service. The arrangement in each meeting is between its organizer and members. Records in the Service show what organizers and members entered; they are not proof that money was actually paid unless backed by your own evidence.
3. Who can use the Service
- You must be at least 18 years old and able to enter a binding agreement.
- You must give accurate information, keep your password safe and tell us at once if you think someone else has used your account. You are responsible for activity on your account.
- One person, one account. Do not create accounts for other people, except that organizers may add "offline" members as described in the Organizer Agreement.
4. Meetings, rules and records
- Each meeting has rules set by its organizer and accepted by members when they join. If you do not agree with a meeting's rules, do not join it.
- Members are responsible for paying their contributions on time and for uploading honest, unaltered proof of payment.
- Organizers are responsible for running the meeting fairly, verifying payments promptly and honestly, and paying out members as agreed. Organizers must also accept the Organizer Agreement.
- Once a contribution is verified or a payout is recorded, it cannot be edited or deleted in the app. Corrections are made through the dispute process, and every action is kept in an audit log.
- Random payout draws only happen if every member agrees. The draw method and its result are recorded.
5. Disputes between members and organizers
If something goes wrong in a meeting, first raise it with the organizer. You can also report a problem with a payout in the app. Our support team can look at the records, contact the people involved and note an outcome, but we cannot move money, force anyone to pay, or decide legal claims between users. Nothing in these Terms stops you from going to the police, the courts or another authority.
6. Organizer plans and payments to us
- Members pay for a member plan (Basic, Plus, Gold or Platinum) to join meetings, and sign the Member Agreement. Organizers pay for an organizer plan to create and run meetings. Prices are shown in Barbados dollars (BDS $) before you pay.
- Plan payments are processed by PayPal and charged in US dollars at the rate shown before checkout (currently BDS $2 = US$1). PayPal's own terms also apply. We never see or store your full card details.
- A plan payment buys access for the period shown. Plans do not renew automatically; we remind you before your plan ends. After it ends there is a grace period shown on your account; after that you cannot create or run meetings until you renew. Your records stay available to view.
- Late fees are set by each organizer in the meeting rules, shown before you join, and paid to the organizer; the app only records them.
- Plan payments are only for use of the software. They are completely separate from meeting money and are never used for contributions or payouts.
- Refunds: plan fees (member and organizer plans) are non-refundable once paid, including if you cancel or stop using the Service before the plan ends. A cancelled plan stays active until the end of the period you paid for. This does not affect any right to a refund you have under Barbados consumer protection law, for example if the Service was not provided as described. Discount codes have no cash value.
- We may change plan prices for future periods. A change never affects a period you have already paid for.
7. Acceptable use
You must not use the Service to:
- run or promote a pyramid, Ponzi or similar scheme, an unlawful lottery or gaming, or any arrangement that promises returns beyond the contributions paid in;
- launder money, finance any unlawful activity, or hide the source of money;
- deceive or defraud anyone, upload false or edited evidence, or impersonate another person;
- add people to a meeting without their agreement, or send unwanted messages;
- harass, threaten or abuse anyone;
- try to access accounts, meetings or data that are not yours, test or break our security, or interfere with the Service;
- copy, resell or build a competing service from the Service.
We may remove content, suspend or close accounts, and where required by law report activity to the relevant authorities.
8. Suspension and closing your account
- You can ask us to delete your account at any time from your Profile. Because other members rely on shared meeting records, some records are kept for the period explained in the Privacy Policy.
- We may suspend or close an account that breaks these Terms, puts other users at risk, or where the law requires it. Where it is safe and lawful, we will tell you why.
9. Availability and changes
We work to keep the Service available and accurate but cannot promise it will always be uninterrupted or error-free. Keep your own copies of important records (you can print receipts and invoices). We may improve or change features. If we make a significant change to these Terms we will tell you in the app or by email before it takes effect; continuing to use the Service after that means you accept the change.
10. Our responsibility to you
- We are not responsible for money that a member or organizer fails to pay, pays late or keeps, or for any loss caused by another user.
- To the extent the law allows, we are not liable for indirect or consequential loss, and our total liability to you for any claim about the Service is limited to the plan fees you paid us in the 12 months before the claim (or BDS $100 if you have not paid us).
- Nothing in these Terms limits liability that cannot be limited by law, including for fraud or for death or personal injury caused by negligence, or your statutory rights as a consumer.
11. Your content
You keep ownership of what you upload. You give us permission to store, display and process it only to provide the Service to you and the members of your meetings, to keep records as described in the Privacy Policy, and to meet legal obligations. The My Meeting Turn name, logo and software belong to us.
12. Law and courts
These Terms are governed by the laws of Barbados. The courts of Barbados have jurisdiction over any dispute about these Terms or the Service.
13. Contact
Questions about these Terms: ubevents246network@gmail.com, or use Help & support in the app.