Terms of Service
Effective date: April 8, 2026
These Terms of Service ("Terms") govern your use of the Syncopay software platform. Syncopay is a service designed, operated, and wholly owned by How To Computer LLC, a Delaware Limited Liability Company ("we", "us", "our"). Please read these Terms carefully before using our service.
1Acceptance of Terms
By creating an account, accessing the parent portal, or otherwise using Syncopay, you agree to be bound by these Terms of Service. These Terms apply to all users of the platform, including instructors who create accounts and parents or payers who access invoices and the parent portal via authenticated email links. Your use of Syncopay is also governed by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not use the platform.
2Beta Disclaimer
Syncopay is currently in beta. The platform is provided "as is" and "as available" without warranties of any kind. Features may change, be removed, or experience downtime without notice. Beta users acknowledge that the service is under active development and may contain bugs. Access to the closed beta requires an authorized beta token. Beta tokens are non-transferable, and we reserve the right to revoke beta access, suspend accounts, or terminate the beta program at any time, for any reason, without notice. Users may not sell, trade, auction, or otherwise commercialize their beta tokens or beta access accounts.
3Description of Service
Syncopay is a billing and payment facilitation tool for private music instructors and their clients (parents/payers). We help instructors generate invoices, send payment reminders, and collect payments. For parents and payers, we provide a portal to view and pay these invoices. Syncopay is not a payment processor — all payment processing is handled by Stripe under their own terms of service. Syncopay is not a party to the underlying transaction or service agreement between the instructor and the parent.
4User Accounts & Responsibilities
(a)Eligibility. You must be at least 13 years of age to create an account on Syncopay. If you are between 13 and 17 years of age, a parent or legal guardian must provide their consent during the onboarding process and assumes full legal and financial responsibility for your use of the platform and compliance with these Terms. By registering, you represent and warrant that you meet this age requirement. Users under 13 are not permitted to use the platform. Parents and guardians who consent on behalf of a minor agree to be bound by these Terms as if they were the account holder. Stripe may require additional identity verification from the parent or guardian before the account can accept payments — this is managed directly by Stripe under their own terms and policies. Syncopay does not provide tax advice; all tax reporting for Stripe Connect accounts is handled by Stripe. Visit Stripe’s tax documentation for details.
(b)Account Security. You are responsible for maintaining the confidentiality of your account credentials (including magic login links sent to your email) and must provide accurate information when interacting with the platform. You are responsible for all activity under your account or accessed via your authenticated email link.
(c)Invoice Link Security. Invoice links are unique, time-limited URLs that grant access to invoice details and payment. Users are responsible for keeping these links secure, as anyone possessing the link may view the invoice and initiate payment.
(d)Email Consent. Instructors are solely responsible for ensuring they have the consent of parents and payers before entering their email addresses into the platform. By adding a parent or payer’s email, the instructor authorizes Syncopay to send automated billing communications (invoices and payment reminders) to that address on the instructor’s behalf. Instructors must comply with all applicable anti-spam laws, including CAN-SPAM.
(e)Minor Data. By entering a student’s name or any other personally identifiable information about a minor into the platform, instructors represent and warrant that they have obtained all necessary legal consents from the student’s parent or legal guardian to do so for billing purposes.
(f)Acceptable Use & Prohibited Activities. Users may not input content that is defamatory, obscene, harassing, threatening, or otherwise illegal into the platform’s text fields (including but not limited to invoice notes, bios, student names, and business names). We reserve the right to suspend accounts or remove content that violates this standard. You agree not to: (a) use the platform for any unlawful purpose; (b) impersonate any person or entity; (c) attempt to gain unauthorized access to the platform or its systems; (d) reverse-engineer, decompile, or disassemble any part of the platform; (e) scrape, harvest, or collect data from the platform by automated means; (f) use the platform to send unsolicited communications or spam; (g) interfere with or disrupt the integrity or performance of the platform; or (h) circumvent any security features of the platform.
5Payments & Fees
(a)Platform Fee. Syncopay charges a platform fee on successful transactions. Our current platform fee rates are displayed on our pricing page. This fee is deducted automatically at the time of payment. We reserve the right to change our platform fees at any time, and we will provide you with at least 30 days’ notice before any fee increase takes effect for your account. During the beta period, the platform fee may be waived or adjusted at our discretion.
(b)Stripe Processing Fees. Standard Stripe processing fees also apply and are charged by Stripe, not Syncopay. By using Syncopay, you also agree to be bound by the Stripe Connected Account Agreement (https://stripe.com/connect-account/legal), which governs your use of Stripe’s payment processing services through our platform.
(c)Fee Coverage Option. When a parent or payer views an invoice, they may be presented with an optional choice to cover the processing fees. If selected, the total charge will be increased to ensure the instructor nets the original invoice amount. Payers agree to the final total displayed at checkout.
(d)Chargebacks & Refunds. If a parent or payer initiates a refund or chargeback, the instructor is solely responsible for handling the dispute and any resulting financial obligations. Syncopay’s platform fee is non-refundable once a transaction has been processed, regardless of whether the underlying payment is later refunded or reversed.
(e)Taxes. Instructors are solely responsible for determining, collecting, reporting, and remitting any applicable taxes arising from their use of Syncopay. We do not provide tax advice or handle tax remittance on your behalf. Because Syncopay uses Stripe Connect Standard accounts, Stripe — not Syncopay — is solely responsible for providing applicable annual tax reporting documents (such as IRS Form 1099-K) to instructors who meet the relevant processing thresholds.
(f)External & Offline Payments. Syncopay allows instructors to record payments received outside of the platform (e.g., cash, Venmo, Zelle) for bookkeeping purposes. Syncopay has no involvement in, liability for, or dispute resolution role in any transaction that occurs outside of our Stripe-powered checkout. These external payment records are provided solely as a convenience for the instructor’s records.
6Diagnostic Data & Bug Reports
During the beta period, Syncopay may collect first-party diagnostic telemetry — including interaction events (clicks, page navigations), network error logs, and session duration — to identify and fix bugs. This system is generally disabled by default unless activated by an administrator or required during a system disruption to ensure platform stability. When you submit a bug report through the platform, a snapshot of your recent interaction history (up to 200 events) may be transmitted to our team to help reproduce and resolve the issue. By submitting a bug report, you consent to sharing this diagnostic data. This data is stored on our own infrastructure and is never shared with third-party analytics or advertising services.
7Intellectual Property
All content, branding, and software associated with Syncopay is our intellectual property. You retain ownership of the data you input (student information, invoices, etc.). You grant us a limited license to use your data solely to provide and improve the service.
8Limitation of Liability
Syncopay is provided on an "as is" and "as available" basis during this beta period. How To Computer LLC is not liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of revenue, lost profits, missed payments, or data loss arising from your use of the platform. Our total liability is limited to the amount of fees you have paid us in the 12 months preceding the claim. We are not responsible for Stripe’s service availability, payment processing errors, or third-party service outages. We are not liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to natural disasters, internet outages, infrastructure failures, or acts of government.
9Indemnification
You agree to indemnify, defend, and hold harmless How To Computer LLC, its owners, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) your use of or conduct on the platform; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any dispute between you and a parent, student, or other third party. This indemnification obligation survives termination of your account and these Terms.
10Dispute Resolution
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of Syncopay shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration shall take place in the State of Delaware. You agree that any arbitration will be conducted on an individual basis and not as a class, consolidated, or representative action. You expressly waive your right to participate in a class action lawsuit or class-wide arbitration. If any part of this class action waiver is found to be unenforceable, the entirety of this arbitration provision shall be null and void. Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within the court’s jurisdictional limits.
11Termination
You may close your account at any time using the account deletion tool in your Account settings, or by contacting us. Note that account deletion may be temporarily restricted if you have pending or processing invoices. We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activity, or abuse the platform. Upon termination, your data will be handled according to our Privacy Policy.
12Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. To the extent that litigation is permitted under these Terms, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware.
13Changes to Terms
We may update these Terms of Service from time to time. We will notify you of any changes by posting the new Terms on this page. We will let you know via email and/or a prominent notice on our platform prior to the change becoming effective and update the effective date at the top of these Terms. You are advised to review these Terms periodically for any changes. Changes to these Terms are effective when they are posted on this page.
14Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.
15Contact
If you have questions about these Terms of Service, please email us at support@syncopay.app or reach out through our contact page.