Terms of Service

FullSquad, operated by KEYBRO LLC

1. What FullSquad is

FullSquad is a platform that helps people organize and join pickup soccer games. Organizers post games, set the price per player, and run their own games. Players reserve spots and pay through the platform. FullSquad provides the software, the booking tools, and the payment processing connections. FullSquad does not organize, supervise, referee, or take part in any game, and does not rent or provide any field or facility.

2. Who can use it

You must be 18 years or older to create an organizer account or to pay for a spot. By using FullSquad you confirm you meet this requirement. Organizers are responsible for their own eligibility to run games at the venues they choose, including any permits, field rental agreements, and venue rules.

3. Organizers are independent

Organizers are independent people or businesses, not employees, agents, or partners of FullSquad. The organizer alone is responsible for the game: the venue, the equipment, the start time, the roster, safety at the game, and any agreement with the field or facility. A game listing is the organizer's offer, not FullSquad's. Organizers carry their own insurance where they choose or are required to; FullSquad provides none for games.

4. How payments work

All payments run through Stripe, our payment processor. FullSquad never holds player money. When a player reserves a spot, the payment is authorized on the player's card as a hold. The charge is completed only when the game is confirmed under its lock rule. Money from a confirmed game is paid to the organizer through Stripe, minus:

• the FullSquad platform fee of 5 percent of the game price, and
• Stripe's processing fees.

Players may also pay with Cash App Pay at the payment step. Cash App Pay payments are processed by Stripe exactly like card payments under this Section — a hold when the spot is reserved, a completed charge only when the game is confirmed, and a payout to the organizer through Stripe.

Organizers must complete Stripe's identity, bank, and tax onboarding before running a paid game, and agree to Stripe's own terms. Card numbers are handled by Stripe and never touch FullSquad's servers. FullSquad or Stripe may delay, hold, or reverse a payout where fraud, a payment dispute, or a breach of these terms is suspected, and may offset amounts an organizer owes under Sections 5 or 6 against future payouts.

4A. Paying the organizer directly (Zelle)

An organizer may also offer to be paid directly by players through Zelle. These payments are different from card payments in Section 4:

• The money moves directly from the player to the organizer. FullSquad is not a party to the payment, never receives or holds it, and cannot reverse it.
• A spot paid this way counts toward a game only when the organizer confirms in the app that the payment was received. The player is shown the exact destination, the exact amount, and a reference code for their spot, and should send only to that destination and include the reference.
• The platform fee in Section 4 (5 percent of the game price) applies to these payments as well. Because the money never passes through FullSquad, the fee is a debt the organizer owes FullSquad, recorded in the app, and the organizer agrees to pay it when asked.
• Refunds of these payments are sent by the organizer directly to the player. The app records a refund as owed until the organizer marks it sent; that record does not itself move money.
• Payments sent through Zelle can be difficult or impossible to reverse, including payments sent to the wrong destination. FullSquad is not responsible for a direct payment sent anywhere other than the destination shown in the app for that game.

5. Organizers' taxes

Organizers are independent businesses and are solely responsible for their own taxes. Money an organizer receives through FullSquad is the organizer's income, paid to the organizer's own Stripe account. FullSquad does not withhold taxes for organizers, does not prepare organizers' tax returns, and does not issue organizers' tax forms. Stripe collects each organizer's tax information during onboarding and issues the tax forms (such as Form 1099-K) that the law requires for payments to that organizer's account. An organizer who does not complete Stripe's tax onboarding cannot run paid games, and Stripe may apply backup withholding to their payouts where the law requires it.

6. The lock rule, cancellations, and refunds

Every game is confirmed ("locked") in one of two ways, chosen by the organizer when the game is created:

• Enough players: the game locks when the organizer's minimum number of paid spots is reached before the deadline. If the minimum is not reached by the deadline, the game cancels itself and every hold is released; nobody is charged.
• Game is on: the game locks at the lock time the organizer set, whether or not it filled.

The rules after a game locks:

• A player may withdraw at any time before the lock at no cost; the hold is released.
• After the lock, the charge is final: the spot is non-refundable unless the organizer approves a refund. A player may ask for a refund in the app, and the organizer decides. There is no refund for not showing up unless the organizer approves one. A locked player may instead transfer their spot to another player through the app, and the replacement player pays through the app.
• If the organizer cancels before the lock, all holds are released and nobody is charged.
• If the organizer cancels after the lock, every player is refunded in full, and the payment processing costs of that game are charged to the organizer. Repeated late cancellations are shown on the organizer's profile and may lead to removal from the platform.
• If a game is interrupted by weather or the venue after it starts, refunds are the organizer's responsibility under the organizer's own policy, stated on the game page where the organizer sets one.
• For spots paid directly under Section 4A: a player who withdraws before the lock, and every player when a game cancels or fails to reach its minimum, is owed their payment back from the organizer, who returns it directly. The app tracks each such refund as owed until the organizer marks it sent.

7. Chargebacks and payment disputes

If a player disputes a charge with their bank (a chargeback), the organizer is responsible for the disputed amount and any chargeback fees for their game, and FullSquad may deduct those amounts from the organizer's future payouts or charge the organizer's payment method on file. Organizers agree to provide records reasonably needed to respond to a dispute about their game.

8. Playing is at your own risk

Soccer is a physical activity and carries a risk of injury, including serious injury. By joining a game you accept that risk. You are responsible for judging your own fitness to play. FullSquad is not responsible for injuries, losses, or damage that happen at or around a game, for the condition of any venue, or for the conduct of any organizer or player. Players are expected to play safely and respectfully; an organizer may remove a player whose conduct endangers others, and a removed player is not entitled to a refund from FullSquad.

9. Accounts and acceptable use

Organizer accounts need a real name, a working email, and a password you keep private. You are responsible for activity on your account. Do not use FullSquad to run games that are unlawful, to post false games, to collect money for games you do not intend to run, or to move payments off the platform for games booked on it. FullSquad may suspend or remove any account or game that breaks these terms.

10. Prices and fees

The per player price shown for a game is the full price the player pays. No platform fee is added on top for players. The platform fee in Section 4 is charged to the organizer, however the player pays, including direct payments under Section 4A. Prices are set by organizers; FullSquad does not set game prices. The payout estimate shown when a game is created is an estimate based on the platform fee and standard processing costs; the final payout follows the actual charges and fees for that game.

11. Limits of responsibility

To the extent Ohio law allows: FullSquad's responsibility for any claim connected to the platform is limited to the platform fees FullSquad actually received for the game involved, and FullSquad is not liable for indirect or consequential losses, including lost games, lost income, or injuries covered by Section 8.

12. Organizers protect the platform

Each organizer agrees to cover claims, costs, and legal fees that arise from their games, their venues, their conduct, or their breach of these terms, where those claims are made against FullSquad.

13. Records and reliability

The platform keeps records of games, attendance, and cancellations, and shows reliability information (for example games locked versus games attended, and late cancellations) on player and organizer profiles. These records are part of the service. If you believe a record about you is wrong, contact support and we will review it.

14. Ending an account

You may close your organizer account at any time from your account settings; closing deletes your account and personal data except records the law or payment processing require us to keep. FullSquad may end or suspend accounts that violate these terms.

15. Changes and governing law

FullSquad may update these terms; the version in force when a game is booked governs that game. If any part of these terms is held unenforceable, the rest stays in force. These terms are governed by the laws of the State of Ohio.

Questions about these terms: support@keybro.app