User Agreement & Terms of Service

Effective Date: September 21, 2026

Company: TECHFIG LLC
Platform: Trabio

By creating an account, checking the acceptance box, or using Trabio, you (“Customer”, “User”) agree to the terms and conditions below.

1. Service Description

TECHFIG LLC provides Trabio, a software-as-a-service (SaaS) platform that enables customers to manage operational, scheduling, billing, and service-related workflows. Certain features require account registration and successful payment processing.

2. Account Registration & User Responsibilities

By registering an account, you confirm that:

  • All information provided is accurate and current
  • You are authorized to connect a Stripe account
  • You are legally permitted to process payments from your customers
  • You are responsible for safeguarding your account credentials.

3. Payment Processing via Stripe Connect

All payments on Trabio are processed exclusively through Stripe Connect.

3.1 Role of TECHFIG LLC

  • TECHFIG LLC acts only as a technology platform provider
  • TECHFIG LLC does not act as a merchant of record
  • TECHFIG LLC does not hold, store, transmit, or process payment card data

3.2 Role of Stripe

  • Stripe is the sole payment processor
  • Customers connect their own Stripe account (Standard, Express, or Custom, depending on configuration)
  • Payments flow directly between the Customer and Stripe

By using Trabio, you agree to Stripe’s Terms of Service, Stripe Connect Agreement, and Stripe Privacy Policy.

4. Payment Authorization, Funds Flow & Compliance

By connecting a Stripe account, you authorize:

  • Stripe to process payments on your behalf
  • Funds to be deposited directly into your Stripe-connected bank account
  • Stripe to handle all compliance requirements including PCI-DSS, KYC (Know Your Customer), and AML (Anti-Money Laundering)

TECHFIG LLC does not control, review, or guarantee payment outcomes.

5. Refunds, Disputes, Chargebacks & Cancellations

TECHFIG LLC is not responsible for:

  • Refund processing
  • Payment reversals
  • Disputes or chargebacks
  • Subscription cancellations at the payment level

All such matters must be handled directly through Stripe or the Customer’s financial institution. Once a payment is completed, TECHFIG LLC has no authority to cancel, reverse, or refund the transaction.

6. Failed, Incomplete, or Missing Payments

If a payment is declined, incomplete, or not confirmed by Stripe, TECHFIG LLC may:

  • Limit or suspend platform access
  • Mark the account as unpaid
  • Initiate the data retention countdown described below

7. Data Retention for Unpaid or Inactive Accounts

If payment is not completed or confirmed, the Customer has ten (10) calendar days to request access to their data, correction of stored data, or export of stored data.

After the 10-day period: All account-related data will be permanently and irreversibly deleted. No recovery, restore, or backup access will be available.

8. California Consumer Privacy Act (CCPA) Notice

8.1 Categories of Data Collected: Account identifiers (name, email, company name), operational data, and technical metadata.

8.2 CCPA Consumer Rights: California residents have the right to request disclosure, deletion, and portability of personal data.

8.3 Exercicing CCPA Rights: Requests must be submitted within active or retention periods. After data deletion (the 10-day window), TECHFIG LLC cannot fulfill CCPA requests because no data remains.

9. Data Deletion & Legal Acknowledgment

By using Trabio, you acknowledge and agree that data deletion after the retention period is final and TECHFIG LLC is not responsible for data loss due to non-payment or missed deadlines.

10. Limitation of Liability

To the fullest extent permitted by law, TECHFIG LLC shall not be liable for financial losses, loss of data, lost profits, or third-party service failures (including Stripe). Trabio is provided “as is” and “as available.”

11. Account Suspension & Termination

TECHFIG LLC may suspend or terminate accounts that fail to complete payment, violate these terms, or abuse the platform.

12. Acceptance of Terms

By creating an account or using Trabio, you confirm that you have read and understood this agreement and accept Stripe Connect, data retention, and privacy terms.

13. SMS and Mobile Communications

Trabio offers optional SMS notifications related to customer services, including appointment reminders, job updates, billing notifications, and one-time passcodes (OTP) for secure access.

Explicit Consent Required:
SMS messages are only sent after a user provides their mobile number and explicitly confirms their consent, including through a double opt-in process when applicable. Consent to receive SMS messages is not a condition of using the platform.

Opt-In / Opt-Out:
Users may opt in by providing their phone number and confirming consent. Users may opt out at any time by replying STOP to any SMS message received. Reply HELP for assistance. Message frequency varies depending on customer service activity and account interactions.

Message & Data Rates:
Standard message and data rates may apply.

No Third-Party Sharing:
Mobile numbers and SMS consent data are not sold, rented, or shared with third parties for marketing purposes.