Messaging, Payments, and Acceptable Use Policy

This Messaging, Payments, and Acceptable Use Policy ("AUP") sets the rules for using Ten Four, operated by Bring Corp ("Ten Four," "we," "us," or "our"). It is incorporated into and forms part of the Ten Four Terms of Service.

The AUP exists to protect End Customers, Accounts, carriers, payment processors, and the integrity of the Services. It also reflects rules that apply to Ten Four under U.S. communications law, mobile carrier requirements, 10DLC and toll-free messaging registration programs, payment-network rules, and the policies of our service providers, including Twilio, Stripe, and our LLM providers.

Capitalized terms not defined here have the meanings given in the Terms of Service.

1. Who This Policy Applies To

This AUP applies to every person who uses the Services, including:

• Accounts — the businesses and individuals that hold a Ten Four account.
• Authorized Users — employees, subaccounts, agents, and other people a Account authorizes to use the Services on its behalf.
• End Customers — homeowners, property owners, tenants, and other people who text, call, book, approve, or pay through Ten Four.
• Visitors — anyone who accesses our public website or other public features.

Accounts are responsible for their own conduct, the conduct of their Authorized Users, and the messaging campaigns and payment activity associated with their account, even if a third party performs the activity. End Customers and Visitors are responsible for their own conduct.

2. Acceptance and Changes

Using the Services means accepting this AUP. We may update this AUP from time to time and will post the updated version with a new "Last updated" date. Material changes will be communicated by reasonable means, such as email, portal notice, or website posting. Continued use of the Services after the effective date of an update means the User accepts the updated AUP.

3. General Conduct

Users must not use the Services to:

• Violate any law, regulation, court order, or third-party right.
• Infringe intellectual-property, privacy, publicity, or contract rights.
• Defraud, deceive, mislead, or impersonate any person or business.
• Harass, threaten, intimidate, defame, or stalk any person.
• Promote violence, terrorism, self-harm, or unlawful discrimination.
• Distribute malware, ransomware, viruses, or other harmful code.
• Probe, scan, or test the security of the Services or related systems without our prior written consent.
• Interfere with, disrupt, or place an unreasonable load on the Services.
• Resell, repackage, or expose the Services to third parties outside the Account's own business operations, except as expressly permitted by Ten Four in writing.

4. Messaging — Consent and Opt-Out

Ten Four sends and receives SMS, MMS, RCS, and similar messages on behalf of Accounts. Accounts must comply with the U.S. Telephone Consumer Protection Act ("TCPA"), the FCC's implementing rules, the CTIA Messaging Principles and Best Practices, and equivalent foreign laws when applicable.

Accounts may use the Services to send messages to an End Customer only when:

• The Account has the level of consent that the message type requires under applicable law (for example, prior express written consent for marketing messages to wireless numbers in the U.S.).
• The message is reasonably related to the Account's existing or prospective service relationship with the End Customer.
• The End Customer has not opted out, asked the Account to stop, or otherwise withdrawn consent.

Ten Four honors standard opt-out keywords, including STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, and QUIT, and standard help keywords, including HELP and INFO. Users must not interfere with, override, or attempt to bypass opt-out handling.

Accounts must keep records of consent, including the source, timestamp, and language presented to the End Customer, and must produce those records to Ten Four on reasonable request.

5. Messaging — Carrier and Registration Compliance

U.S. mobile carriers require that messaging traffic be registered through programs such as 10DLC for long-code traffic and the toll-free verification program for toll-free numbers. Accounts must:

• Provide accurate business information, brand information, campaign information, and sample messages for registration.
• Keep registration information current and notify Ten Four of material changes (for example, change of legal entity, change of use case, or change of opt-in flow).
• Use the Ten Four-assigned number only for the registered use case, and not for unrelated messaging.
• Comply with carrier filtering decisions; carriers may filter, throttle, or block messages without notice, and Ten Four is not responsible for carrier filtering.

If a carrier, registration provider, or regulator suspends, blocks, or revokes a number or campaign associated with the Account's account, Ten Four may suspend related messaging features until the issue is resolved.

6. Messaging — Prohibited Content

Users may not use the Services to send messages that contain or promote:

• Sexually explicit material or pornography.
• Hate speech, profanity-driven harassment, or content targeting protected characteristics.
• Alcohol, tobacco, vaping or e-cigarette products, cannabis, CBD, kratom, or other regulated or age-restricted substances, except where the Account's industry, registration, and consent practices have been pre-approved by Ten Four in writing.
• Firearms, ammunition, fireworks, explosives, or weapons.
• Gambling, lotteries, sweepstakes, contests, or sports betting, except where pre-approved.
• Loans, debt collection, debt forgiveness, debt consolidation, credit repair, payday or short-term lending, mortgage or auto financing offers, except where pre-approved.
• Cryptocurrency, digital-asset trading, ICOs, NFTs, or related promotional content.
• Multi-level marketing, "get rich quick," work-from-home, lead-generation resale, affiliate marketing, or pyramid-style offers.
• Phishing, smishing, deceptive links, fake delivery notices, fake account alerts, or other social-engineering content.
• Prescription drugs, controlled substances, or pharmaceuticals, except where pre-approved.
• Adult dating or escort services.
• Political campaigning, fundraising, election-related, or issue-advocacy messaging.
• Religious or charitable solicitation, except where pre-approved.
• Content that violates the SHAFT-C (Sex, Hate, Alcohol, Firearms, Tobacco, Cannabis) standards used by U.S. carriers.
• Any content prohibited by Twilio's Acceptable Use Policy or messaging policy, by any underlying carrier, or by applicable law.

The Services exist to support trade-services workflows — booking work, gathering job details, scheduling, sending invoices, and confirming approvals. Promotional and marketing messages are limited to lawful, opted-in messages that relate to the Account's trade services and are not otherwise restricted by this AUP.

7. Messaging — Volume, Frequency, and Sender Identification

Users must not:

• Send unsolicited bulk messages, "snowshoe" traffic across multiple numbers, or use number rotation to evade filtering.
• Send the same or substantially similar marketing message to a large number of recipients without legally sufficient consent.
• Spoof, falsify, or obscure sender identity, originating number, or business identity.
• Use the Services in a way that is reasonably likely to cause carrier filtering, complaint rates exceeding industry norms, or harm to Ten Four's sender reputation.

Accounts must identify themselves clearly in messaging and must not pose as a different business, brand, or person.

8. Voice, Voicemail, and Call Recording

Users must comply with all federal, state, and local laws governing telephone calls, robocalls, prerecorded messages, autodialed calls, call recording, and call transcription. In jurisdictions that require all-party consent for call recording, Users must obtain and document that consent.

Users must not use the Services for unlawful telemarketing, spoofing of caller ID in violation of the TRACED Act or STIR/SHAKEN rules, or harassment by phone.

9. AI-Assisted Features

Ten Four uses large-language-model providers and other AI systems to help process messages, draft replies, summarize calls, prepare invoice information, and route work. Users must not:

• Use AI-assisted features to generate spam, scams, phishing content, or content otherwise prohibited by this AUP.
• Attempt to extract, reverse-engineer, or manipulate Ten Four's prompts, tools, or model configurations.
• Inject instructions intended to override Ten Four's safeguards or cause the AI to act outside its intended scope.
• Submit content that would violate the acceptable-use policies of OpenAI or other AI providers we use.

AI output may be incorrect, incomplete, or out of date. Users must not rely on AI-assisted features for legal, medical, tax, financial, or emergency decisions.

10. Payments — Permitted Use

Ten Four uses Stripe Connect to facilitate payments from End Customers to Accounts for trade services performed by the Account. Accounts may use Ten Four payment features only to:

• Collect payment for legitimate services the Account has agreed to perform or has performed.
• Issue refunds, adjustments, or credits related to those services.
• Charge applicable taxes, fees, surcharges, or deposits permitted by law and by the Account's customer agreement.

By using Ten Four payment features, Accounts also agree to Stripe's Connected Account Agreement, Services Agreement, and applicable card-network rules.

11. Payments — Prohibited Activities

Users must not use the Services to:

• Process payments for goods or services not actually performed or delivered by the Account.
• Process payments on behalf of a third party (factoring, aggregation, or unauthorized merchant of record arrangements).
• Process card-not-present payments without authorization from the cardholder.
• Charge cards using stolen, fabricated, or unauthorized credentials.
• Use the Services for money transmission, money-services-business activity, escrow, peer-to-peer transfers, payroll, lending, or holding funds on behalf of any party.
• Structure transactions to evade reporting thresholds, card-network rules, AML controls, or sanctions screening.
• Engage in chargeback abuse, friendly fraud, or coordinated dispute filing.
• Process payments for any Stripe-restricted business category or for any business prohibited by the card networks (Visa, Mastercard, American Express, Discover) or applicable law.
• Process payments related to messaging content prohibited by Section 6.

12. Payments — Prohibited Businesses and Industries

Ten Four is built for U.S.-based licensed and unlicensed trade and field-service businesses (for example, plumbing, electrical, HVAC, handyman, locksmith, pest control, lawn care, cleaning, appliance repair). The Services are not available to, and Users must not use Ten Four for, businesses or transactions that are prohibited by Stripe's restricted-business list or that involve:

• Adult content, escort services, or sexual services.
• Gambling, lotteries, sweepstakes operators, fantasy sports operators, or sports-betting operators.
• Firearms, ammunition, weapons, or explosives sales.
• Marijuana, cannabis, CBD, kratom, or other regulated substances, except where Ten Four has expressly approved the use case in writing.
• Pharmaceutical sales, telehealth, or controlled-substance dispensing.
• Cryptocurrency exchanges, mining, ICOs, NFTs, or digital-asset trading.
• Multi-level marketing, pyramid schemes, "get rich quick" programs, or high-risk affiliate marketing.
• Debt collection, debt settlement, debt consolidation, credit repair, payday lending, or unlicensed lending.
• Investment, securities, brokerage, or unlicensed financial advice.
• Adult-content subscription, dating, or escort introduction services.
• Counterfeit goods, IP-infringing goods, or stolen goods.
• Any activity prohibited by U.S. federal or state law in the jurisdictions where the Account operates.

If a Account's business changes in a way that may bring it inside one of these categories, the Account must notify Ten Four before continuing to use the Services.

13. Payments — Disputes, Refunds, and Chargebacks

The Account is the merchant of record for the Account's services. The Account is responsible for:

• Honoring its agreements with End Customers, including warranties, refunds, and cancellations.
• Responding to chargebacks and disputes within the timelines set by Stripe and the card networks.
• Maintaining records sufficient to evidence the underlying service, the End Customer's authorization, and any post-service communication.
• Reimbursing Ten Four and Stripe for reversals, chargebacks, fines, and related fees.

Ten Four may withhold, delay, or offset payouts to the extent permitted by the Stripe Connected Account Agreement and these policies in order to address disputes, suspected fraud, or risk holds.

14. Sanctions, AML, and Fraud

Users may not use the Services in violation of U.S. economic-sanctions laws, including programs administered by the U.S. Office of Foreign Assets Control ("OFAC"), and may not transact with sanctioned countries, governments, organizations, or individuals.

Users must cooperate with reasonable requests for information, identity verification, business documentation, and source-of-funds documentation made by Ten Four, Stripe, or other service providers in connection with anti-money-laundering, fraud-prevention, or risk-management obligations.

Ten Four may report suspected fraud or unlawful activity to law enforcement, regulators, payment processors, or carriers as required or permitted by law.

15. Account Security and Integrity

Users must not:

• Share account credentials, login codes, or two-factor codes outside of the Account's own organization.
• Access another User's account without authorization.
• Circumvent rate limits, usage caps, anti-abuse controls, or audit logging.
• Use automated tools, scrapers, headless browsers, or bots to interact with the Services, except for documented, supported APIs.
• Submit data through the Services that the User does not have the right to submit.

Accounts must promptly report suspected unauthorized access, credential compromise, or security incidents to security@tenfour.chat.

16. Customer Data and Privacy

Accounts must have the rights, notices, and consents needed for Ten Four to receive and process information about End Customers, including phone numbers, addresses, photos, and payment information. Accounts must not upload special-category data such as government identifiers, full payment-card data, health information, biometric data, or children's information through the Services.

Information about End Customers obtained through the Services may be used only for the trade-services purposes for which it was provided, consistent with applicable law and the Privacy Policy.

17. End Customer Conduct

End Customers who text, call, book, approve, or pay through Ten Four must not:

• Send unlawful, threatening, or harassing content.
• Send sexually explicit content, content harmful to minors, or other content prohibited by Section 6.
• Submit fraudulent payment information, file fraudulent disputes, or attempt unauthorized transactions.
• Attempt to misuse, probe, or interfere with Ten Four systems.

End Customers may opt out of text messages at any time by replying STOP. Standard message and data rates may apply.

18. Reporting Violations

To report suspected abuse, spam, fraud, security issues, or other violations of this AUP, contact abuse@tenfour.chat. Please include the relevant phone number, timestamps, message content where applicable, and a description of the issue.

Ten Four reviews reports in good faith and does not retaliate against Users for reporting suspected violations in good faith.

19. Enforcement

If Ten Four reasonably believes that a User has violated this AUP, we may, with or without prior notice:

• Investigate the activity, including reviewing messages, calls, transactions, and account records.
• Filter, throttle, block, or remove specific messages or transactions.
• Withhold, delay, reverse, or offset payouts pending investigation.
• Suspend or restrict access to specific features, numbers, or campaigns.
• Suspend or terminate the Account's account.
• Report the activity to carriers, registration providers, payment processors, regulators, or law enforcement.
• Cooperate with subpoenas, court orders, regulatory inquiries, and lawful investigations.

Where time permits and the situation allows, Ten Four will give the Account an opportunity to cure a non-material violation before taking enforcement action. Severe violations — fraud, illegality, threats to safety, carrier-blocking-level abuse, or material risk to Ten Four or its providers — may result in immediate suspension or termination without prior notice.

20. Contact

Questions about this AUP can be sent to:

Bring Corp / Ten Four
1907 S Le Homme Dieu Dr NE
Alexandria, MN 56308
legal@tenfour.chat