Terms of Use

These Terms of Use (the “Terms”) are a binding agreement between you and Squabble International, Inc. (“Squabble,” “we,” “us,” or “our”) governing your access to and use of the websites, applications, software, content, and services made available at or through squabble.ai and its subdomains (collectively, the “Services”).

1. Acceptance of these Terms

By accessing or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and Refund Policy, each of which is incorporated into these Terms by reference. If you use the Services on behalf of a business or other entity, you represent that you are authorized to bind that entity, and “you” includes that entity.

2. Who we are — and who we are not

Squabble is a technology platform that provides self-help document preparation, case organization, filing logistics, and related administrative and procedural support for small claims and limited civil matters, performed at your specific direction. Squabble was founded by attorneys and is built to promote access to justice — but the platform itself is not a substitute for a lawyer.

Specifically:

• No legal advice. Any information provided through the Services — including by Sophie, our automated intake assistant, or in guides, Case Briefs, or communications from our team — is general legal information or procedural information, not legal advice. It is not tailored legal counsel about your situation.

• No representation or advocacy. Squabble does not represent you in court, does not appear for you, does not negotiate for you, and does not advocate for your position. You are, at all times, a self-represented party.

• Your decisions are yours. You decide whether to send a demand, whether to file, what to claim, and how to proceed. Documents are prepared from information you supply and are reviewed for administrative and jurisdictional accuracy — not for legal merit. You review and attest to every document before it is sent or filed.

• Get a lawyer when you need one. If you want advice about your legal rights, the strength of your claim, or strategy, consult a licensed attorney in your jurisdiction. Nothing in the Services should delay you from doing so, particularly where a filing deadline (statute of limitations) may apply.

3. Eligibility and your account

• You must be at least 18 years old and able to form a binding contract to use the Services.

• You agree to provide accurate, current, and complete information when creating an account and using the Services, and to keep it updated.

• You are responsible for safeguarding your login credentials and for all activity under your account. Notify us promptly at support@squabble.ai of any unauthorized use.

• The Services support claims in United States jurisdictions only, and availability of specific features may vary by state, county, and court. Court rules, claim limits, and fees are set by the courts, not by Squabble.

4. The services

The Services may include, without limitation, the offerings below. The features, inclusions, and prices of each offering are as described on the Services at the time of purchase, which descriptions are incorporated into your order. We may add, modify, or discontinue offerings at any time; changes do not affect orders already placed.

• Intake with Sophie. An automated assistant that collects the facts of your dispute and organizes them into structured claim information. Sophie is an artificial-intelligence system: her responses are generated automatically, may contain errors, and are never legal advice.

• Custom Demand Letter (free). A demand letter generated from your intake, provided at no charge, for you to review and send.

• Case Brief (Custom) (paid add-on). An educational document that organizes your facts, claimed damages, evidence, and general information about common issues in disputes like yours. A Case Brief is educational only: purchasing one does not create an attorney-client relationship, and it contains no legal advice and no opinion on the merits of your case.

• Credible Threat (paid package). A demand letter together with a court-ready document set prepared for the correct court, reviewed for administrative and jurisdictional accuracy. This package does not include filing with the court.

• File Now (paid package). Document preparation plus filing of your claim with the appropriate court at your direction, together with case-management platform access and status updates.

• Dedicated Case Agent (paid package). File Now plus a dedicated human case agent who provides administrative and logistical assistance with your case (for example: scheduling, document organization, coordination of service, and procedural paperwork such as postponements, amendments, alias summonses, or dismissal requests; additional court fees may apply). A Dedicated Case Agent is not a lawyer acting as your lawyer and does not provide legal advice.

• Service of Process (paid add-on; availability varies by package). Coordination of formal service of court papers on the other party through independent, professional process servers, including preparation and filing of proof of service where applicable.

• Skip-Tracing (paid add-on; availability varies by package). Locating a current address for the other party to enable service.

• E-Service (courtesy notice). A courtesy email copy of paperwork sent to the other party where an email address is available. E-Service is not lawful service of process and does not satisfy any court’s service requirements. Where service of process is required, you must complete it through our Service of Process add-on or by other lawful means.

“Triple-Check™” refers to Squabble’s internal review of prepared documents for administrative and jurisdictional accuracy — correct forms, correct court, completeness, and formatting. It is not a legal-merits review and is not a guarantee that a court will accept a filing.

5. Truce by Squabble — neutral resolution services

Where offered, Truce is a neutral, voluntary resolution layer that allows both parties to a dispute to review the dispute, respond, upload documents, exchange settlement proposals, and attempt to resolve the matter before or instead of a court proceeding. If both parties reach agreement, Truce can generate a Voluntary Resolution Agreement for both parties to review and sign. The following applies to any use of Truce:

• Squabble is strictly neutral. In Truce, Squabble does not represent either party, does not give legal advice to either party, does not decide the dispute or determine whether any money is owed, does not act as a mediator or arbitrator, does not engage in debt collection, and does not hold or escrow funds.

• Resolution Platform Fee. If the parties reach a settlement through Truce, a Resolution Platform Fee equal to 6% of the settlement amount applies, as disclosed in the Truce flow. Settlement funds move directly between the parties through an independent third-party payment processor; Squabble never takes custody of settlement funds.

• Voluntary agreements only. Any Voluntary Resolution Agreement is a contract between the parties. Each party is responsible for reviewing it — with independent counsel if desired — before signing. Squabble is not a party to, and does not enforce, any such agreement.

6. Your responsibilities

• Truthfulness. Everything Squabble prepares is built from information you provide. You certify that the information you provide is true and correct to the best of your knowledge. Submitting false information to a court can have serious legal consequences for you.

• Review and attestation. You must review every document before it is sent or filed and you authorize each sending or filing. Once you attest and authorize, the document is yours.

• Deadlines. Statutes of limitation and court deadlines are your responsibility. Squabble does not track or advise on limitation periods.

• Court fees and costs. Court filing fees, and any other fees charged by courts or government bodies, are set by those bodies, are your responsibility, and are separate from Squabble’s service fees except where expressly stated to be collected by Squabble on your behalf for remittance.

• Lawful use. You will not use the Services to assert a claim or send a demand that you know to be false, frivolous, or brought for the purpose of harassment.

• Your appearance. If your case proceeds, appearing at hearings, presenting your case, and complying with court orders are your responsibility.

7. No guarantee of outcome

Courts — not Squabble — decide cases. Squabble makes no representation, warranty, or guarantee regarding the outcome of any demand, negotiation, filing, hearing, or judgment, regarding whether the other party will respond or pay, or regarding the amount of any recovery, including any statutory interest, which is available only as the court allows. Any statistics, examples, or illustrations on the Services describe the platform generally and are not predictions about your matter. The only monetary guarantee Squabble offers is the Dedicated Case Agent guarantee described in Section 8.4, on its exact terms.

8. Fees, payment, and Refund Policy

8.1 Fees and payment. Prices for paid offerings are stated on the Services at checkout. You authorize us (through our third-party payment processor) to charge your payment method for the amounts you approve at checkout, including any add-ons you select. All amounts are in U.S. dollars.

8.2 Squabble is a non-refundable service. Except as expressly stated in this Section 8, all Squabble fees — including all package fees (Credible Threat, File Now, and Dedicated Case Agent), the Case Brief (Custom) fee, Skip-Tracing, Service of Process, and any other Squabble service fee — are non-refundable once your order is submitted, whether or not the other party responds, whether or not service of process is successful, and regardless of the outcome of your matter. This is because work on your documents begins promptly and Squabble incurs non-recoverable third-party costs.

8.3 Limited pre-filing exception. If you cancel a claim before it has been filed with the court, Squabble will refund (a) the court filing fee you paid through Squabble, and (b) the Service of Process fee, if you purchased Service of Process and service has not yet been initiated. No other amounts are refundable, and no portion of any Squabble package or service fee is refundable. Credible Threat purchases are not eligible for any refund. Once a claim has been filed, no amounts are refundable except under Section 8.4.

8.4 Dedicated Case Agent guarantee. If you purchased the Dedicated Case Agent package and your case is dismissed without prejudice due solely to a defect in filing or service of process caused by Squabble, you are entitled to a 100% refund of the amounts you paid to Squabble for that case. This guarantee does not apply to dismissals or outcomes attributable to the substance of the claim, to information you provided, to your acts or omissions, or to decisions of the court unrelated to a Squabble filing or service error.

8.5 Refund Policy controls. The full Refund Policy is incorporated into these Terms. If there is any conflict between this Section 8 and the Refund Policy, the Refund Policy controls.

8.6 Chargebacks. If you believe a charge is in error, contact support@squabble.ai first so we can resolve it. Initiating a chargeback on amounts properly charged under these Terms is a breach of these Terms.

9. Electronic communications and signatures

You consent to receive communications from Squabble electronically — including notices, receipts, case status updates, and disclosures — by email, text message (where you opt in), or through the Services, and you agree that electronic communications satisfy any legal requirement that communications be in writing. When you type your name or click to sign or authorize within the Services, you intend that action as your electronic signature, with the same force as a handwritten signature, consistent with the U.S. E-SIGN Act and applicable state law. Message and data rates may apply to texts.

10. Intellectual property

10.1 Our property. The Services — including software, design, text, graphics, logos, and the SQUABBLE, SOPHIE, TRUCE, and TRIPLE-CHECK names and marks — are owned by Squabble or its licensors and are protected by intellectual-property laws, including United States Patent No. 11,328,375 B2. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for your own matters. No other rights are granted.

10.2 Your documents. As between you and Squabble, you own the documents generated for your matter and the content you upload. You grant Squabble a non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, transmit, and display that content solely to operate, provide, secure, and improve the Services and to perform the services you order — including transmitting documents to courts, process servers, and the other party at your direction.

10.3 Feedback. If you send us ideas or suggestions, we may use them without restriction or compensation.

11. Acceptable use

You agree not to: (a) use the Services in violation of any law or court rule; (b) impersonate any person or misrepresent your affiliation; (c) upload content that is unlawful, infringing, or malicious (including malware); (d) probe, scan, or test the vulnerability of, or interfere with, the Services or their security; (e) scrape, harvest, or copy the Services or use them to build a competing product, including by means of automated systems or by using the Services’ outputs to train machine-learning models; (f) reverse engineer any part of the Services except as permitted by law; (g) resell or provide the Services to third parties as a bureau or agent, other than filings on behalf of an entity you are authorized to represent; or (h) circumvent any usage limits or access restrictions. We may investigate violations and suspend or terminate access under Section 19.

12. Privacy

Our collection and use of personal information is described in our Privacy Policy. Legal disputes are sensitive; we treat them that way. Note that documents filed with a court generally become part of a public record, and information shared through Truce is, by design, shared with the other party.

13. Third-party services

The Services depend on third parties we do not control, including courts and clerks, independent process servers, payment processors, and communications providers. Squabble is not responsible for the acts, omissions, schedules, outages, fee changes, or decisions of any third party, including a court’s acceptance, rejection, scheduling, or adjudication of any filing. Links to third-party sites are provided for convenience and are not endorsements.

14. Disclaimers

The Services are provided “as is” and “as available.” To the fullest extent permitted by law, Squabble disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and any warranties arising from course of dealing or usage of trade. Without limiting the foregoing, Squabble does not warrant that the Services will be uninterrupted, error-free, or secure; that documents will be accepted by any court; that service of process will be completed; or that any particular result will be achieved. Output generated by automated systems, including Sophie, may contain errors and must be reviewed by you. Some jurisdictions do not allow certain warranty disclaimers, so some of the above may not apply to you.

15. Limitation of liability

To the fullest extent permitted by law: (a) Squabble and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost claims or judgments, loss of data, or loss of goodwill, arising out of or relating to the Services or these Terms, even if advised of the possibility of such damages; and (b) Squabble’s total aggregate liability for all claims arising out of or relating to the Services or these Terms will not exceed the greater of (i) the amounts you paid to Squabble for the Services giving rise to the claim in the twelve (12) months before the event giving rise to liability, or (ii) one hundred U.S. dollars ($100). These limitations do not apply to liability that cannot be limited by law, and the Dedicated Case Agent guarantee in Section 8.4 remains available on its terms. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Each provision of these Terms allocating risk is an essential part of the bargain between you and Squabble.

16. Indemnification; release

16.1 Indemnification. You will defend, indemnify, and hold harmless Squabble and its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Services; (b) content or information you provide, including its accuracy; (c) any demand, claim, or filing you make through the Services; (d) your violation of these Terms or of any law or court rule; or (e) your dispute with any other party, including the opposing party in your matter.

16.2 Release. Your dispute is between you and the other party. Squabble is not a party to your dispute and has no responsibility for the other party’s conduct, responses, payments, or non-payment, or for the outcome of any negotiation, Truce resolution, or court proceeding. To the fullest extent permitted by law, you release Squabble and its officers, directors, employees, and agents from all claims, demands, and damages of every kind, known or unknown, arising out of or in any way connected with a dispute between you and one or more third parties, including the opposing party in your matter. If you are a California resident, you waive California Civil Code § 1542, which says: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

17. Governing law

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 18. Where Section 18 permits a matter to proceed in court, you and Squabble consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware, except for small-claims matters as provided in Section 18.

18. Dispute resolution — binding arbitration and class action waiver

18.1 Informal resolution first. Before starting arbitration or a small-claims case, you and Squabble agree to try to resolve the dispute informally. Send a written notice describing the dispute and the relief sought to support@squabble.ai or to Squabble International, Inc., Attn: Legal — Dispute Notice, 1902 Wright Place, Second Floor, Carlsbad, CA 92008. If the dispute is not resolved within 60 days after the notice is received, either party may proceed under this Section.

18.2 Small claims carve-out. Either you or Squabble may bring an individual claim in small claims court in your county of residence (or Delaware), if the claim qualifies, instead of arbitration. Squabble exists because small claims court works — we will not force a qualifying small claim out of it.

18.3 Agreement to arbitrate. Except as provided in Sections 18.2 and 18.6, any dispute, claim, or controversy arising out of or relating to these Terms or the Services — including their formation, interpretation, breach, or termination, and including statutory and common-law claims — will be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, as modified by this Section. The Federal Arbitration Act governs this Section. Judgment on the award may be entered in any court of competent jurisdiction.

18.4 Arbitration procedure. There will be one arbitrator. Arbitration will be conducted in English. For claims of $25,000 or less, the arbitration will be conducted on the basis of written submissions unless the arbitrator determines a hearing is necessary or a party requests one; any hearing will be held by videoconference unless the arbitrator finds an in-person hearing is required, in which case it will occur in your county of residence or another mutually agreed location. Payment of AAA filing, administration, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules; Squabble will pay those fees to the extent the Rules require, and if your claim is for $10,000 or less and is not frivolous, Squabble will pay all AAA filing, administration, and arbitrator fees. The arbitrator may award the same individual relief a court could award, including attorneys’ fees where authorized by law.

18.5 Class action and jury waiver. You and Squabble each waive the right to a jury trial and the right to participate in a class, collective, consolidated, or representative action. Disputes will be arbitrated or litigated only on an individual basis, and the arbitrator may not consolidate more than one person’s claims. If this class waiver is found unenforceable as to a particular claim or request for relief, that claim or request (and only that one) shall be severed and may proceed in court, with the remainder proceeding in arbitration.

18.6 Exceptions. Either party may seek injunctive or other equitable relief in court to protect intellectual property or to prevent unauthorized access to or abuse of the Services, and either party may enforce this arbitration agreement or an arbitral award in court.

18.7 Opt-out. You may opt out of this arbitration agreement (but not the class action waiver applicable to court proceedings, where enforceable) by emailing support@squabble.ai with the subject line “Arbitration Opt-Out,” your name, and the email associated with your account, within 30 days after first accepting these Terms. Opting out does not affect any other provision of these Terms.

18.8 Coordinated filings (batch arbitration). If 25 or more arbitration demands of a substantially similar nature are filed against Squabble within 90 days by or with the assistance of the same law firm or coordinated group of firms, the parties agree that the demands will be resolved in staged proceedings: the AAA will administer an initial group of up to 25 demands selected half by claimants’ counsel and half by Squabble, and no other demand in the group will be filed, and no filing or arbitrator fees for it will be due, until the initial group is resolved. After each stage, the parties will engage in a global mediation session, and if the remaining demands are not resolved, the next group of up to 50 proceeds in the same manner. All applicable statutes of limitation are tolled for demands in the queue from the date they are first presented under this Section until they may be filed. If this Section 18.8 is found unenforceable as to a particular demand, that demand shall proceed individually under the remainder of this Section 18.

18.9 Confidentiality. The existence, content, and outcome of any arbitration under this Section are confidential, except as needed to enforce or challenge the award, as required by law, or as the parties agree in writing.

18.10 Time to bring claims. To the fullest extent permitted by law, any claim arising out of or relating to these Terms or the Services must be commenced within one (1) year after the claim accrues; otherwise it is permanently barred. The informal-resolution period in Section 18.1 and the queue period in Section 18.8 toll this limitation.

18.11 Severability; survival. Except as stated in Section 18.5, if any part of this Section 18 is found unenforceable, the remainder remains in effect. This Section survives termination of these Terms.

19. Term, suspension, and termination

These Terms apply from your first use of the Services. You may stop using the Services and close your account at any time; fees already paid are handled under Section 8. We may suspend or terminate your access, or decline to process an order, if we reasonably believe you have violated these Terms, if required by law or a court, or to protect the Services or other users; where practicable, we will notify you and, if a paid service was not performed and no third-party costs were incurred, refund the unperformed portion. You are responsible for downloading and keeping copies of your documents; after your account is closed, we may delete platform copies consistent with our Privacy Policy and record-retention obligations. Sections that by their nature should survive termination (including Sections 2, 7, 8, 10, and 14–18) survive.

20. Changes to the services and to these Terms

We may update these Terms from time to time. If we make material changes, we will provide notice — for example, by email, by a notice within the Services, or by updating the Effective Date above — before the changes take effect. Changes apply prospectively. Your continued use of the Services after the effective date of updated Terms constitutes acceptance; if you do not agree, stop using the Services. Material changes to Section 18 will not apply to disputes that arose before the change.

21. General

• Entire agreement. These Terms, together with the Privacy Policy, the Refund Policy, and the order terms presented at checkout, are the entire agreement between you and Squabble regarding the Services and supersede prior agreements on that subject.

• Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary, and the rest of the Terms remain in effect.

• No waiver. A failure to enforce a provision is not a waiver of the right to enforce it later.

• Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, reorganization, or sale of assets.

• Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including court closures, outages, and acts of government.

• Notices. We may give notice by email to the address on your account or through the Services. Legal notices to Squabble must be sent to Squabble International, Inc., Attn: Legal, 1902 Wright Place, Second Floor, Carlsbad, CA 92008, with a copy to support@squabble.ai.

• Interpretation. Headings are for convenience only. “Including” means “including without limitation.”

22. Contact