Terms of Service

Effective Date: 3/6/2026

These Terms of Use ("Terms") are a legally binding agreement between you and Node, LLC, a New Jersey multi-member limited liability company ("Node," "we," "us," "our"). These Terms govern your access to and use of the Node website, applications, marketplace, wallet, gift cards, subscriptions, proprietary products, integrations, and related services (collectively, the "Services").

By accessing or using the Services, you agree to these Terms and all policies incorporated by reference, including the Acceptable Use Policy, Privacy Policy, Wallet and Gift Card Terms, Consumer Disclosures, Vendor Terms (if applicable), DMCA Policy, Safety and Event Waiver, Travel Disclosures, and Dispute Resolution and Arbitration Agreement (collectively, the "Policies").

If you do not agree, do not use the Services.

1. Key Definitions

"Account" means your registered account on Node.
"Content" means any text, images, video, audio, data, reviews, messages, listings, or other materials made available through the Services.
"Gift Card" means a closed-loop prepaid stored value product redeemable only for eligible purchases within Node.
"Node Products" means products or services offered directly by Node, including subscriptions and proprietary goods.
"Vendor" means a third-party seller, educator, provider, school, pod, microschool, creator, or service provider offering goods or services through Node.
"Vendor Offering" means any product or service offered by a Vendor through Node.
"Wallet" means a closed-loop stored value balance associated with your Account, funded by you or credited by Node, redeemable only for eligible purchases within Node.
"Wallet Credits" means promotional credits issued by Node that may be applied toward eligible purchases within Node.

2. Eligibility and Accounts

You must be at least 18 years old to create an Account. You represent that you have the legal capacity to enter into these Terms and that all information you provide is accurate and complete.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your Account. You must promptly notify us of any unauthorized use.

Node may require multi-factor authentication or additional verification at its discretion for security, fraud prevention, compliance, or to protect the integrity of the Services. You agree to provide information reasonably requested for verification purposes and acknowledge that failure to complete requested verification may result in restricted access, delayed transactions, or account suspension.
If you later make multi-factor authentication mandatory for all Accounts or for Vendors only, update this paragraph to reflect that.

3. Family Accounts and Minor Use

If a minor uses the Services, a parent or legal guardian must create the Account, accept these Terms, and supervise the minor's use. The parent or legal guardian is the contracting party and is responsible for the minor's activity, including purchases, communications, and participation in Vendor Offerings.

Node does not provide childcare, supervision, or safety monitoring. You are responsible for determining whether the Services and any Vendor Offering are appropriate for your family.

4. Node's Role and Marketplace Structure

Node operates a technology platform and marketplace that enables you to purchase Node Products and Vendor Offerings. Vendors are independent third parties and are not employees, partners, joint venturers, or agents of Node.

Node is the merchant of record for transactions processed through the Services. Vendors fulfill Vendor Offerings pursuant to their Vendor Agreement with Node and their listing terms, including their refund and cancellation policies.

Node does not control, operate, or guarantee Vendor Offerings. Vendors are solely responsible for their offerings, including accuracy, safety, legality, compliance, pricing, scheduling, performance, qualifications, and outcomes.

5. Purchases, Payments, and Statements

Payments are processed by third-party payment processors such as Stripe. Node does not store full payment card numbers.

Your payment method statement will display Node as the descriptor and may include additional information to help you identify the Vendor Offering purchased.
Confirm the exact statement descriptor format and whether it can include Vendor name as supplemental text. If the descriptor changes materially, update this section and any checkout disclosures.

6. Fees, Taxes, and Promotions

Prices, fees, and taxes (if applicable) will be disclosed prior to purchase. You authorize Node to charge your payment method for all approved amounts.

Node may offer promotions, discounts, or Wallet Credits subject to additional terms, which may include limitations, expiration, and revocation for misuse.

7. Vendor Refund Policies and Refund Processing

Refund eligibility for Vendor Offerings is governed by the applicable Vendor's stated refund and cancellation policy displayed at checkout or within the listing. Vendors are responsible for establishing, disclosing, and honoring their refund policies, subject to applicable law.

Node may facilitate refund processing as a payment and platform service, but Node does not guarantee refunds outside the Vendor's stated policy, except where required by law.

If a purchase is made using Wallet or Gift Card value, refunds will be returned to Wallet or Gift Card (as applicable) before any remaining amount is returned to the original payment method, subject to processor rules and law.

Node is not responsible for a Vendor's insolvency, failure to perform, disappearance, or failure to honor its stated refund policy, except to the extent required by law or where Node expressly assumes responsibility in writing.
If Node later decides to offer a "Node Guarantee" or a unified platform refund policy, replace this section with platform-controlled refund rules and adjust Vendor Terms accordingly.

8. Chargebacks, Disputes, Holds, and Enforcement

If you initiate a payment dispute or chargeback, we may request information and may take action to investigate and resolve the dispute. We may suspend or terminate Accounts for chargeback abuse or suspected fraud.

We may place holds on transactions, refunds, Wallet use, or Account access where we reasonably believe it is necessary to address fraud, disputes, chargebacks, policy violations, security concerns, sanctions compliance, or legal process.

9. Wallet and Gift Cards

Wallet and Gift Card use is governed by the Wallet and Gift Card Terms and Consumer Disclosures, incorporated by reference.

10. Content, Reviews, and Communications

10.1 User Content License

By submitting Content (including reviews, messages, or media), you grant Node a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, distribute, display, modify, create derivative works from, and otherwise use the Content to operate, improve, secure, and promote the Services.

10.2 Content Rules

You represent that you have all rights necessary to submit Content and that your Content does not violate law, infringe rights, or breach these Terms or the Acceptable Use Policy.

Node may remove or restrict Content at any time for any reason, including safety, compliance, or risk management.

10.3 Communications Consent

You consent to receive communications electronically, including notices, agreements, disclosures, and customer support messages, via email, in-product notifications, SMS (if enabled), or other electronic means.
If you send marketing SMS, add TCPA consent and opt-out language in the Privacy Policy and ensure your marketing flows collect compliant opt-in.

11. AI Features and Recommendations

If the Services provide AI-generated recommendations, summaries, planning tools, or other outputs, those outputs are informational only and may be incorrect or incomplete. You are responsible for verifying information and making decisions appropriate for your circumstances, including safety decisions for minors.

Node does not provide educational, medical, legal, or professional advice through AI outputs.
If Node later provides individualized tutoring, grading, diagnostic assessments, or regulated professional guidance, add feature-specific disclaimers and compliance language.

12. Third-Party Services and Integrations

The Services may integrate with third parties (including travel providers, mapping services, and content tools). Third-party services are governed by their own terms and policies. Node is not responsible for third-party services, including availability, pricing, accuracy, performance, or disputes.

13. Travel

Travel content and links are governed by the Travel Disclosures page. Wallet and Gift Cards are not redeemable for third-party travel services unless explicitly stated.
If you later allow Wallet or Gift Cards to be used for travel, update Travel Disclosures and reevaluate seller-of-travel and stored value implications.

14. Acceptable Use

Your use of the Services is subject to the Acceptable Use Policy. You agree not to misuse the Services, engage in fraud, or violate law.

15. Intellectual Property

Node and its licensors own the Services and all associated intellectual property rights, excluding User Content. You may not copy, scrape, reverse engineer, distribute, or exploit the Services except as expressly permitted.

Digital products, downloadable materials, curriculum files, templates, recordings, and other digital content made available through the Services (including Vendor Offerings) are licensed, not sold, unless expressly stated otherwise. You may not resell, redistribute, share, publicly perform, sublicense, reproduce, or make available any digital product or digital content to any third party, except as expressly permitted in writing by Node or the applicable Vendor. Unauthorized distribution may result in termination and may violate intellectual property laws.
If you later allow family sharing, classroom licenses, or multi-seat licenses for specific digital products, add a written license grant and permitted-use rules for those products.

All rights not expressly granted to you are reserved by Node and its licensors.

16. Disclaimers

The Services are provided "as is" and "as available." To the fullest extent permitted by law, Node disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and availability.

Vendor Offerings are provided by Vendors. Node does not warrant Vendor performance, safety, legality, compliance, quality, outcomes, or suitability.

17. Limitation of Liability

To the fullest extent permitted by law, Node will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or business interruption.

To the fullest extent permitted by law, Node's total aggregate liability for all claims related to the Services will not exceed the greater of (a) $250 or (b) the total amount paid by you to Node in the 12 months prior to the event giving rise to the claim.

Some jurisdictions do not allow certain limitations, so these limits may not apply to you.

18. Indemnification

You agree to defend, indemnify, and hold harmless Node and its affiliates, and each of their managers, members, officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Services, (b) your Content, (c) your breach of these Terms or Policies, (d) your interactions with Vendors or other users, (e) your purchase of, participation in, or reliance on any Vendor Offering, including decisions relating to minors, safety, suitability, and appropriateness, or (f) your violation of law.

Node reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with that defense.

19. Suspension and Termination

We may suspend or terminate your access to the Services at any time. Upon termination, your right to use the Services ends. Provisions that by their nature should survive will survive, including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution.

Wallet and Gift Card balances will be handled in accordance with the Wallet and Gift Card Terms and applicable law.

20. Sanctions, Export Controls, and Geographic Restrictions

You may not use the Services if you are located in, organized in, or ordinarily resident in a jurisdiction subject to comprehensive sanctions, or if you are a restricted party under applicable sanctions laws. You agree to comply with U.S. export control and sanctions laws.

Node may block, suspend, or terminate access where required for sanctions or compliance reasons.
Confirm the geoblocking and restricted-party screening approach (Stripe tools, vendor onboarding screening, and IP/location controls). Update enforcement language if you implement additional screening vendors or higher-risk users.

21. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles, except that the arbitration agreement is governed by the Federal Arbitration Act.

22. Changes to Terms

We may update these Terms. If changes are material, we will provide reasonable notice. Your continued use after the effective date constitutes acceptance.

ACCEPTABLE USE POLICY

This Acceptable Use Policy applies to all use of the Services.

1. Prohibited Conduct

You may not:

• Violate any law or regulation

• Engage in fraud, chargeback abuse, payment manipulation, or

  Wallet/Gift Card misuse

• Attempt unauthorized access, scrape, reverse engineer, or disrupt the Services

• Post or transmit malware or harmful code

• Harass, threaten, defame, or abuse others

• Post unlawful, deceptive, or misleading Content, including false credentials or accreditation claims

• Exploit, endanger, or attempt inappropriate contact with minors

• Infringe intellectual property or privacy rights

• Circumvent platform fees or transact off-platform to avoid fees for leads sourced through Node

2. Enforcement

Node may remove Content, suspend Accounts, restrict access, place holds, and take other actions to enforce this policy.
If you implement a formal "three strikes" policy, list it here. Otherwise keep enforcement discretionary.

WALLET AND GIFT CARD CONSUMER DISCLOSURES

Effective Date: [Insert Date]
Last Updated: [Insert Date]

This page summarizes key consumer disclosures for Wallet and Gift Cards. Full terms are in the Wallet and Gift Card Terms.

1. Not a Bank Account

Wallet balances and Gift Cards are not bank accounts, are not FDIC insured, and do not earn interest for users.

2. Closed-Loop Only

Wallet and Gift Cards are redeemable only for eligible purchases within Node and cannot be used outside Node.

Wallet and Gift Cards cannot be used for third-party travel services.

3. No Transfers and No Cash-Out

Wallet and Gift Cards cannot be transferred between users and cannot be redeemed for cash except where required by law.

4. Holds, Fraud, and Compliance

Node may refuse, freeze, or restrict Wallet or Gift Card use to prevent fraud, address disputes or chargebacks, comply with law, or respond to legal process.

5. Refund Routing

If you used Wallet or Gift Card value for a purchase, eligible refunds will be returned to Wallet or Gift Card before any remaining amount is returned to the original payment method, subject to processor rules and law.

6. Unclaimed Property

Wallet and Gift Card balances may be subject to state unclaimed property laws. If required, Node may remit abandoned balances to appropriate state authorities.
Confirm the escheatment policy, dormancy periods, and state-by-state process with accounting. If you later implement inactivity fees (not recommended), update this page and comply with gift card laws.

WALLET AND GIFT CARD TERMS

These Wallet and Gift Card Terms apply to Wallet balances, Wallet Credits, and Gift Cards.

1. Wallet Funding and Use

You may fund your Wallet using approved payment methods. Wallet balances may only be used for eligible purchases within Node.

Wallet is closed-loop and cannot be used for travel or third-party services unless expressly stated.

2. No Transfers, No Withdrawals

Wallet balances and Wallet Credits cannot be transferred to other users and cannot be withdrawn for cash, except where required by law.

3. Wallet Credits

Wallet Credits are promotional and may have restrictions, expiration, and eligibility limitations. Wallet Credits have no cash value and may be revoked for misuse, fraud, or policy violations.
If you launch a points-based rewards program, add a Rewards subsection defining conversion rates, expiration, and program changes.

4. Gift Cards

Gift Cards are redeemable only within Node for eligible purchases. Gift Cards have no cash value except where required by law.

Gift Cards do not expire except where permitted by law. Fees are not charged unless permitted and disclosed under applicable law.

Node may void Gift Cards obtained through fraud or misuse.

5. Segregated Funds and User Rights

Node may maintain funds associated with Wallet and Gift Card liabilities in one or more segregated accounts to support Wallet and Gift Card functionality and redemption.

Users have no ownership interest in any pooled account and do not receive interest or earnings on Wallet or Gift Card funds.

This section does not create a trust relationship or fiduciary duty and does not make Node a bank.
Confirm whether your bank account is titled "for benefit of users" and whether it is a formal FBO account structure. If you implement a formal custodial or trust structure, update this language to match the legal form. Do not describe an FBO or trust account unless your bank documents actually establish it.

6. Limits and Risk Controls

Node may impose limits on Wallet loads, balances, redemptions, velocity, or usage, and may require additional verification for security and compliance.
If you choose to publish specific limits, list them here. If you keep limits internal, keep this clause and implement the limits operationally.

7. Holds, Investigations, and Error Correction

Node may freeze or restrict Wallet or Gift Card use, correct errors, reverse credits, or delay redemptions where reasonably necessary to address suspected fraud, disputes, chargebacks, compliance, sanctions screening, or legal process.

8. Refunds

Refunds for purchases made with Wallet or Gift Card value will be returned to Wallet or Gift Card, subject to vendor policy, payment processor rules, and applicable law.

9. Unclaimed Property

Wallet and Gift Card balances may be subject to state unclaimed property laws. Where required, Node may remit abandoned balances to state authorities.

10. Changes and Termination

Node may modify or discontinue Wallet or Gift Card features, including eligibility and limits, to comply with law, reduce risk, or improve the Services. If Wallet or Gift Card features are discontinued, Node will provide a reasonable method for using or redeeming remaining balances as required by law.
Define your shutdown plan (time window, redemption method). Add specific timing once finalized.

VENDOR TERMS

These Vendor Terms apply to any Vendor that lists or sells through Node.

1. Independent Contractor Relationship

Vendors are independent contractors. No employment, partnership, agency, or joint venture relationship is created.

2. Vendor Eligibility and Compliance

Vendor represents and warrants that it is authorized to operate and will comply with all applicable laws, including consumer protection, advertising, education-related requirements, licensing, safety, child protection obligations, privacy obligations, tax obligations, and sanctions laws.

Vendors outside the United States must comply with all laws applicable to their offerings, including laws in the locations where services are delivered and where customers reside.
If you later restrict vendors to specific countries or require local registration proof, add those requirements and update onboarding.

3. Listings, Disclosures, and Accuracy

Vendor is responsible for listing accuracy, including pricing, descriptions, fulfillment terms, prerequisites, age requirements, safety requirements, cancellation terms, and refund policy.

Vendor may not make false or misleading claims about accreditation, licensing, credentials, outcomes, or endorsements.

4. Refund and Cancellation Policies

Vendor controls its refund and cancellation policy and must clearly disclose it in the listing and at checkout. Vendor agrees to honor its stated policy, subject to applicable law.

Node may require minimum consumer-friendly standards for refunds in certain categories to reduce platform-wide consumer protection risk.
If you implement category-specific minimum refund standards, publish them in vendor documentation and reference here.

5. Payments, Fees, Payouts, and Reserves

Node is merchant of record. Stripe Connect or another processor may facilitate payment processing and automated allocation of Vendor payouts and Node commissions.

Node may charge commissions, service fees, subscription fees, or other fees disclosed to Vendor.

Node may place holds, maintain rolling reserves, delay payouts, or offset amounts against payouts to address chargebacks, refunds, disputes, fraud, errors, penalties, compliance requirements, or risk management.

6. Chargebacks, Disputes, and Cooperation

Vendor must cooperate in investigations of disputes and chargebacks, provide evidence and documentation, and comply with processor rules.

Vendor is responsible for chargebacks, refunds, and disputes attributable to Vendor Offerings, including costs, penalties, and fees, and Node may offset these amounts against payouts.

7. Vendor Insurance Requirements

Vendor must maintain commercially reasonable insurance appropriate to its offerings, including commercial general liability. Vendors offering in-person activities, events, camps, field trips, or services involving minors must carry coverage appropriate to those risks.

Vendor must provide proof of insurance upon request and keep coverage in force while listing.
If Node later requires minimum coverage amounts and additional insured endorsements naming Node, publish the exact requirements here and on the Vendor Insurance Requirements page.

8. Safety and In-Person Activities

Vendor is solely responsible for safety, supervision (if any), staffing, emergency procedures, waivers, compliance, and suitability for participants, including minors.

Node does not supervise Vendor activities and is not responsible for injuries, incidents, or losses arising from Vendor Offerings.

9. Intellectual Property

Vendor represents it has rights to all content, materials, and IP used in listings and fulfillment. Vendor grants Node a license to display Vendor content for operating and marketing the Services.

10. Indemnification

Vendor agrees to defend, indemnify, and hold harmless Node and its affiliates, and each of their managers, members, officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, penalties, and expenses (including reasonable attorneys' fees) arising out of or related to (a) Vendor Offerings, (b) Vendor's breach of the Vendor Terms or platform policies, (c) Vendor's actual or alleged violation of law (including consumer protection, education-related requirements, child safety obligations, privacy obligations, licensing requirements, and advertising laws), (d) Vendor's actual or alleged negligence, willful misconduct, or fraud, (e) any claim that a Vendor Offering was unsafe, inappropriate, misleading, unlawful, or not as described, including claims involving minors, (f) Vendor's failure to honor its stated refund policy, or (g) Vendor's infringement of intellectual property or violation of rights of any third party.

Node may, at its option, assume the defense and control of any indemnified matter, and Vendor agrees to cooperate.

11. Suspension and Termination

Node may remove listings, suspend Vendor access, delay payouts, or terminate the Vendor relationship for policy violations, excessive disputes, fraud, compliance risk, safety risk, reputational risk, or nonperformance.

12. Confidentiality

Vendor must keep nonpublic Node information confidential, including platform processes, fees, and internal documentation.