Terms of Service

AirInk is operated by AirInk LLC, an Arizona limited liability company ("AirInk", "we", "us"). Notice address: AirInk LLC, Phoenix, Arizona. Legal notices: legal@airink.ai.

AirInk is a workflow, contracting, verification, and payment orchestration platform for U.S. service businesses. We help two parties draft a milestone contract, verify each other's identity, and coordinate payment release when the agreed condition is met.

AirInk is not a bank, is not an escrow agent, and does not hold customer funds. Payments are processed by Stripe, Inc. and settled directly to the vendor's Stripe Connect account under Stripe's terms. AirInk charges a separate, itemized platform fee. AirInk does not provide legal, tax, accounting, financial, or investment advice.

You must be at least 18, legally able to contract in your jurisdiction, and located in the United States. Vendors must complete Stripe's identity verification and any credential checks required for your industry. You may not use AirInk if you are on any U.S. government sanctions list (including OFAC SDN) or if applicable law prohibits you from using our services.

• You are responsible for activity under your account.
• We require verified email and, for vendors, verified phone plus Stripe Identity. Multi-factor authentication is required for high-risk actions (payment release, admin PII reveal).
• The first user to sign up for a workspace is NOT auto-elevated to owner without an out-of-band confirmation email. Notify us immediately at support@airink.ai if you suspect unauthorized access.

Contracts drafted on AirInk are agreements between you and the other party. Not with AirInk. AirInk provides templates, e-signature capture, milestone tracking, and payment orchestration. The substantive terms are what you and your counterparty agree to. Both parties receive a countersigned PDF with an audit trail (IP, timestamp, and the exact consent text shown).

Payments are Stripe destination charges: the client's card or bank funds the vendor's connected account, minus Stripe's processing cost and the AirInk platform fee, which is collected as an application fee. Every receipt shows two separate line items: the AirInk platform fee and payment processing at cost: and never a single blended rate.

• Platform fee (AirInk): vendor-borne, charged on each released payment. Introductory founding rate is a flat 0.49%, plus $2.49 per payment, with no subscription and no minimum, charged against AirInk platform fees only. Any true-up charged to meet that minimum accrues back to the workspace in full as AirInk fee credit. Founding rates are locked for the life of the workspace for invited vendors.
• Processing: card and bank processing (currently 2.9% + $0.30 for cards; 0.8% capped at $5 for ACH) is itemized separately on every receipt at the rates shown in your fee schedule. No credit of any kind applies to this line.
• Changes to the fee schedule: AirInk may change the fee schedule with advance notice, except the founding platform rate, which is locked for the life of the workspace. That lock applies to the AirInk platform fee only and never to processing, which follows the rates in your then-current fee schedule.
• Clients never pay the AirInk platform fee. Tips never carry the AirInk fee.
• ACH (Nacha WEB) debits: when you pay by bank transfer you separately authorize a one-time WEB debit at checkout, as required by Nacha rules.
• Milestone release: the client's payment method is charged at checkout. Funds settle to the vendor's Stripe Connect account when the milestone's release condition fires (client confirmation, auto-release timer, or resolved dispute).
• Standard rates may adjust as we exit the launch window. We will give at least 30 days' notice before any change.

Refund eligibility is defined by the contract you and your counterparty signed. AirInk offers a mediation workflow with evidence collection but does not render legal judgments. Chargebacks are governed by Stripe and the card networks; the vendor is the merchant of record and bears chargeback liability.

The full ladder, and exactly how platform fees, processing, and fee credit move when a payment reverses, is published in our Dispute Policy, which forms part of these terms.

• You are the merchant of record for services you sell through AirInk.
• You are responsible for the accuracy of your listings, your professional licensure (including state contractor licensing where applicable), and applicable tax collection and remittance, including Arizona TPT for construction contracting.
• You may not use AirInk-provided AI assistants to give clients legal, tax, refund, or discount commitments outside the signed contract.
• Outbound CRM emails you send through AirInk must comply with CAN-SPAM.

You keep ownership of the documents, evidence, and messages you put into AirInk. You grant AirInk a limited license to store, transmit, and process them to operate the service. We do not sell your data.

AirInk uses AI (via the Lovable AI Gateway) to draft, extract, and review contracts, moderate messages, and power vendor and client assistants. AI output is a starting point, not legal or financial advice, may be inaccurate, and must be reviewed by a human before you sign, fund, or release. Vendor assistants operate under guardrails that prevent them from unilaterally issuing refunds, waiving fees, or committing the vendor to terms outside the signed contract. Message content is automatically screened for fraud, spam, and abuse; you consent to this screening by using AirInk.

See our Acceptable Use Policy. In short, don't:

• Violate law, sanctions, or our payment partners' terms.
• Launder funds, evade tax reporting, or misrepresent your identity.
• Host contracts for prohibited goods or services.
• Reverse engineer, resell, or bulk scrape the platform.
• Interfere with the integrity or security of the service.

AirInk is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. Neither party is liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits or revenue. AirInk's aggregate liability for any claim is capped at the greater of $100 or the platform fees you paid to AirInk in the 12 months before the claim.

These Terms are governed by the laws of the State of Arizona, without regard to conflicts-of-law rules. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Binding arbitration. You and AirInk agree that any dispute, claim, or controversy arising out of or relating to these Terms or AirInk will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or Commercial Rules where you are a business), before a single arbitrator, seated in Maricopa County, Arizona (or by videoconference at your election). Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver. You and AirInk agree that claims may be brought only in an individual capacity, not as a plaintiff or class member in any purported class, collective, or representative proceeding. If this waiver is held unenforceable as to a claim, that claim (and only that claim) will proceed in court on an individual basis.

30-day opt-out. You may opt out of this arbitration agreement by emailing legal@airink.ai with the subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms; opting out does not affect any other part of these Terms.

Small-claims carve-out. Either party may bring an individual claim in a small-claims court of competent jurisdiction in lieu of arbitration.

Batch arbitration. If 25 or more similar demands are filed against AirInk by or with coordinated counsel within a 60-day window, the parties agree the AAA may administer them in staged batches of up to 50, with a common arbitrator per batch and bellwether procedures, to promote efficient resolution. Statutes of limitations are tolled for unfiled claims in the queue.

Where you use AirInk as a vendor (selling services), the vendor-specific obligations in Section 07 and the Stripe Connect Services Agreement apply to you in addition to these Terms. Where you use AirInk as a client (buying services), only the client-facing sections apply. A single account may hold both roles; the applicable terms attach per transaction based on the role you take.

Stripe is the Payment Settlement Entity (PSE) for card and ACH settlements to vendors and, where required, will issue Form 1099-K directly to the vendor and the IRS. AirInk does not issue 1099-Ks for platform-facilitated payments. Vendors are responsible for their own income, self-employment, and sales/transaction privilege tax obligations, including Arizona TPT where applicable.

Vendor identity verification is performed by Stripe Identity. Biometric identifiers and templates (for example, facial-geometry data from a selfie) are collected, used, stored, and destroyed by Stripe under Stripe's policies. AirInk does not collect, receive, possess, or store biometric identifiers or biometric information. The public verification directory at /verify is a factual record of platform-verified business credentials (identity, phone, business address, insurance, licensure where provided). It is not a consumer report under the Fair Credit Reporting Act and may not be used for employment, credit, insurance, housing, or other FCRA-covered eligibility decisions.

For contracts executed on AirInk, the audit trail (signer identity, IP address, timestamp, and hash of the exact text shown) together with the countersigned PDF constitutes the electronic record under ESIGN §101(c). For contracts routed through Documenso, Documenso acts as the e-signature system of record and delivers signed copies to each party; AirInk retains a linked copy in your account. You may request a paper copy of any electronic record at support@airink.ai.

When you upload an insurance certificate or professional license, AirInk retains it for the coverage period plus 90 days after expiry for audit and dispute-continuity purposes, then deletes the document. Verification status is updated automatically on expiry.

AirInk uses your contracts, messages, and uploads only to operate the service for you. AirInk does not use your content to train foundation models, and our model providers are contractually restricted from using API content to train their models. You can disable optional AI features (drafting, extraction, agent replies) from Settings at any time.