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These Terms of Service ("Terms") govern your access to and use of the Spedy mobile application and related services (the "Service"), operated by Brydge Holdings LLC, a Florida limited liability company ("Spedy," "we," "us," or "our"). By creating an account, accessing, or otherwise using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, do not use the Service.
These Terms apply to the Spedy mobile application, our website, all features and functionality, and any communications or transactions facilitated through the Service. They cover both Explorers (users seeking authentic local experiences) and Brydgees (verified locals who offer to host such experiences). Where a clause applies only to one role, that is stated explicitly.
By creating an account, you confirm that you have read, understood, and accepted these Terms, and that you have legal capacity to enter into a binding contract under the laws of your jurisdiction. If you are using Spedy on behalf of an entity, you represent that you have authority to bind that entity to these Terms.
We may update these Terms from time to time. Material changes will be communicated via the app, email, or both at least 14 days before they take effect. We will record the version of these Terms in effect when you accepted them. Continued use of the Service after a change becomes effective indicates acceptance of the updated Terms. If you do not accept a material change, your remedy is to stop using the Service and request account deletion.
This Section 1.3 governs changes to the text of these Terms only. Operational changes — including changes to pricing (Section 6.5) and to Service features, modes, or operations (Section 11.6) — are governed by their own sections and are not subject to the advance-notice period in this Section 1.3.
These Terms incorporate by reference our Privacy Policy, Community Guidelines, Safety Policy, and any other policies linked from the Service. Together, these are the "Spedy Policies." If a conflict arises between these Terms and a Spedy Policy, these Terms prevail unless the Spedy Policy expressly states otherwise.
Your use of Spedy is also subject to the terms of the platform from which you downloaded the app (Apple App Store or Google Play). If you downloaded from the Apple App Store, Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. To the extent any conflict arises between these Terms and Apple's Licensed Application End User License Agreement, these Terms control to the maximum extent permitted by law.
If you downloaded from the Apple App Store, you further acknowledge that Apple has no obligation to furnish any maintenance or support services for the Service; Apple is not responsible for addressing any claims by you or any third party relating to the Service, including product-liability, legal or regulatory non-compliance, or consumer-protection claims, or any claim that the Service fails to conform to any applicable legal or regulatory requirement. In the event of any third-party claim that the Service or your use of it infringes that party's intellectual property rights, Apple is not responsible for the investigation, defense, settlement, or discharge of that claim. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist-supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties. You must also comply with any applicable third-party terms of agreement (for example, your wireless data-service agreement) when using the Service.
If you downloaded from Google Play, your use is also subject to Google's terms of service applicable to the Google Play store. Google LLC is not a third-party beneficiary of these Terms and has no obligation to provide any maintenance or support services with respect to the Service.
For these Terms, the following words have the following meanings:
The terms "include" and "including" mean "include without limitation" and "including without limitation."
Spedy is a peer-to-peer digital communications and matchmaking platform that connects Explorers with Brydgees, processes payments through third-party providers, and facilitates in-app digital communication between matched users in one of three modes: Text, Call, or Video. Spedy is not a party to the Experience itself. The Experience is conducted directly between the Explorer and the Brydgee, within the Service. Spedy does not provide the Experience, does not employ Brydgees, and does not act as a tour operator, common carrier, travel agent, guide, escort service, dating service, or in-person meetup facilitator.
Spedy does not offer in-person meetings as a feature of the Service. Section 10 governs how these Terms apply if users separately decide to meet off-platform.
Brydgees are independent contractors, not employees, agents, or partners of Spedy. Brydgees set their own availability and conduct Experiences using their own judgment, equipment, and skills. Nothing in these Terms creates an employment, partnership, joint venture, or agency relationship between Spedy and any user.
Spedy takes meaningful steps to protect its community. Before a Brydgee may offer Experiences, Spedy reviews their government-issued identity document and selfie. In addition, Spedy screens users' names against publicly available government sanctions lists (OFAC, UN, UK, and others) and the U.S. sex-offender registry (NSOPW), automatically moderates uploaded images for prohibited content, and applies fraud-and-integrity checks (such as blocking disposable email addresses and verifying that a Brydgee's ID name matches their account). These measures are described in Section 5.
However, Spedy does not supervise or control the conduct of any user, and does not perform comprehensive, fingerprint-based, or court-record criminal background checks on Brydgees or Explorers. The screening Spedy does perform is name- and record-based and is not a guarantee — among other limits, a user who provides a false or altered name may not be matched. You remain solely responsible for evaluating the suitability of any user before, during, and after an Experience. See Section 5 (Identity Verification & Safety) and Section 10 (Safety, Risk & The Off-Platform Decision) for important details.
To the maximum extent permitted by law, including Section 230 of the Communications Decency Act (47 U.S.C. § 230), Spedy is a publisher and platform for User Content but is not the speaker, creator, or curator of that Content. Spedy may, but is not required to, monitor, review, or remove User Content. Spedy's choice to remove or to leave Content in place does not make Spedy a co-creator of that Content.
Spedy may modify, suspend, or discontinue any part of the Service at any time, with or without notice. Except as required by applicable consumer protection law, Spedy is not liable to you or any third party for modifications, suspensions, or discontinuation.
You must be at least 18 years old to use Spedy. By creating an account, you represent that you are at least 18, that you have the legal capacity to enter into binding agreements, and that you are not prohibited from using the Service under any applicable law. Spedy may, at any time, require additional verification of your age or revoke an account on grounds of suspected age misrepresentation.
The Service is not directed to anyone under 18, and Spedy does not knowingly collect personal information from anyone under 18. If you are under 18 and access the Service by misrepresenting your age, you are in breach of these Terms; you, and your parent or legal guardian, agree to indemnify and hold Spedy harmless for all claims, damages, and costs arising from your unauthorized use, and you assume all risk of that use. If Spedy learns that a user is under 18, it will terminate the account and delete the associated personal information as required by law. A parent or guardian who becomes aware that a minor has registered should contact privacy@spedyapp.com.
You agree to provide accurate, current, and complete information at registration, including your full legal name, email, phone number, country, and (for Brydgees) identity-verification documents. You agree to keep this information current. You may not use a false identity, impersonate another person, or transfer your account to a third party.
Each individual is permitted one Spedy account. Operating multiple accounts to evade enforcement, manipulate matches, or circumvent account suspensions is prohibited and grounds for immediate termination.
You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account. You agree to notify Spedy immediately at security@spedyapp.com of any unauthorized access. We may, at our discretion, require additional verification (such as live selfie, government identification re-upload, or other identity confirmation) at any time to maintain platform safety.
The Service is currently available in the United States and Panama, and may be available in additional jurisdictions over time. You must comply with the laws of your local jurisdiction. Spedy reserves the right to limit, restrict, or modify availability of the Service in any jurisdiction where required by law.
Spedy may suspend or terminate your account if we determine, in our reasonable discretion, that you have violated these Terms, Spedy Policies, or applicable law; that your account is being misused; that the safety or trust of other users is at risk; or for other lawful reasons. Where appropriate, we will provide notice and an opportunity to respond before termination, but we may act immediately for severe or ongoing violations. Termination does not limit our right to pursue any other remedy.
You represent and warrant that you are not (a) located in, or a resident or national of, any country or region subject to a comprehensive U.S. embargo or designated by the U.S. government as supporting terrorism; or (b) listed on any U.S. or other applicable government list of prohibited, restricted, or sanctioned parties (including the U.S. Treasury's Office of Foreign Assets Control (OFAC) Specially Designated Nationals list). You agree to comply with all applicable export-control and economic-sanctions laws and not to use the Service for any prohibited end-use. Breach of this Section is grounds for immediate termination.
Before a Brydgee may offer Experiences, Spedy reviews their submitted profile photo, selfie, and government-issued identity document, and checks that the name on the identity document matches the name on the Brydgee's account. For Brydgees in Panama, Spedy additionally requires and reviews a Récord Policivo (criminal-record certificate issued by Panama's Dirección de Investigación Judicial).
This review confirms only that the submitted documents appear genuine, that the selfie reasonably matches the identity document, and that the name matches the account; for Panama Brydgees, it also reflects the criminal-record certificate the Brydgee supplied. Except where a criminal-record certificate is expressly required and supplied, this review does not constitute a criminal background check, and in no case is it a comprehensive, fingerprint-based, or court-record background check. Spedy may, at our discretion, expand verification requirements over time (for example, by extending criminal-record screening to additional regions or Brydgee tiers).
To register, Explorers verify their email, provide a phone number, and upload a profile photo and a selfie. The selfie is screened automatically (for example, to confirm it contains a single face and to moderate prohibited content) and is retained as a verification artifact; unlike the profile photo, the selfie is not shown to other users. Spedy reserves the right to expand Explorer verification requirements at any time — including verifying the phone number, matching the selfie to a government-issued identity document, requiring additional identity confirmation for higher-trust modes (such as Video Experiences), or for fraud-prevention purposes.
To protect platform safety, Spedy performs the following automated screening on users, in addition to the Brydgee identity-document review in Section 5.1:
These screens are aids, not guarantees, and have important limits. They are name- and record-based: a user who provides a false or altered name may not be matched. They are not fingerprint-based criminal background checks, do not search court or arrest records, and do not establish that any user is safe or trustworthy. A "Verified," "approved," or unflagged status means only that the user completed the steps Spedy currently requires and was not flagged by these limited screens. You are responsible for any due diligence beyond what Spedy provides, including considering whether to ask for additional verification, do public-records searches, build trust through Spedy's in-app modes first, and follow the safety guidance in Section 10. Spedy may add, change, or remove screening at any time.
Third-party screening data — no accuracy warranty. Spedy's sanctions, sex-offender-registry, and other screening rely on data, lists, and matching technology supplied or maintained by third parties and government agencies. Spedy does not control, create, or independently verify that data and makes no warranty as to its accuracy, completeness, currency, or reliability. Screening can produce false positives (incorrectly matching you to a record that is not yours) and false negatives (failing to surface a record that exists), including because of common names, outdated records, data-entry errors, or a user supplying a false or altered name. To the maximum extent permitted by law, Spedy disclaims all liability for the accuracy of third-party screening data and for any screening outcome — whether a match, a non-match, a flag, a clearance, an account restriction, or a failure to restrict, and the disclaimers and limitations of liability in Sections 15.2 through 15.4 apply to any such claim. A flag is reviewed by our team before any permanent account action (see also the automated-decision notice in our Privacy Policy); if you believe a screening result about you is incorrect, contact support@spedyapp.com.
At the start of an Experience, both the Explorer and the Brydgee are presented with a safety briefing within the app and asked to acknowledge it. Tapping "Got it" (or the equivalent confirmation) indicates that you have read and understood the safety guidance and that you accept the risk of the Experience as described in Section 10. Acknowledgment is a binding contractual confirmation, not a casual prompt. Spedy logs the version, time, and content of every acknowledgment for evidentiary purposes.
If you experience harassment, fraud, threats, or other safety concerns during an Experience, use the in-app urgent support function or the report-user function. You agree to provide truthful, complete information when reporting. The urgent support function is not an emergency service. For immediate threats to life or safety, call 911 (in the United States or Panama) or your local equivalent emergency number.
Spedy may, and in some cases is legally required to, share information with law enforcement, regulators, the National Center for Missing and Exploited Children (NCMEC), or other entities responding to credible safety, fraud, or trafficking concerns. By using Spedy, you consent to such disclosures where Spedy reasonably believes they are appropriate or required.
Spedy facilitates payments and payouts through third-party providers, including Stripe and PayPal. Card numbers and bank account numbers are never stored on Spedy's servers — they are handled directly by these payment processors. Your use of these processors is subject to their own terms and privacy policies. Spedy is not responsible for delays, errors, or fees imposed by these processors.
For purposes of payment processing, Spedy acts as a limited payment collection agent for the Brydgee. Your payment to Spedy fulfills your payment obligation to the Brydgee for the Experience.
You authorize Spedy to charge your designated payment method when the Experience begins — that is, when you send your first message (for Text Experiences) or when both you and the Brydgee join the call or video channel (for Call and Video Experiences). Charges fire when the Experience actually begins, not at the moment the Brydgee accepts your request. If the Experience is canceled before it begins, or if your payment method is declined or unavailable, the Experience does not start and you are not charged.
Authorization holds. For some Experiences, Spedy — through its payment processor — may place a temporary pre-authorization hold on your payment method when you begin booking, to confirm the method is valid and to reserve the estimated amount of the Experience (including any extensions you may add). A hold is not a charge. The actual charge occurs as described above and may be less than the amount held; any unused portion of the authorized amount is released. The time your bank or card issuer takes to release a hold is outside Spedy's control. By starting an Experience, you authorize Spedy and its payment processor to place such holds.
Spedy charges a single fixed Experience Price for each Experience; Spedy pays a portion of that price to the Brydgee and retains the remainder. Spedy does not add a separate, itemized service fee. At launch, Text, Call, and Video Experiences are priced at the same per-block rate, and the total price you will be charged — including any applicable taxes — is displayed to you before the Experience begins. Prices may change from time to time (Section 6.5); the price in effect at the time of your Experience governs that Experience.
At launch, Text, Call, and Video Experiences are priced at the same per-block rate. Spedy may introduce mode-specific pricing, surge or dynamic pricing, region-specific pricing, premium tiers, or other pricing changes at any time and at our discretion. The price for an Experience is always displayed to you before that Experience begins (Section 6.4), and the price in effect at that time governs that Experience — so a price change never affects an Experience you have already begun. Where a specific advance-notice period for pricing changes is required by applicable law, Spedy will provide it.
For payments or payouts requiring currency conversion, our payment processors apply their own exchange rates and may charge conversion fees. Spedy does not control these rates or fees and is not liable for differences from market rates.
During an Experience, the Explorer may purchase an extension to add additional time, subject to caps and pricing displayed at the moment of extension. Total Experience duration (including all extensions) is capped at 60 minutes (three 20-minute blocks) in the current version of the Service; this cap may change in future versions. Extension charges, once authorized, are subject to the refund rules in Section 6.9.
Spedy may issue promotional codes ("Promo Codes") for discounts or credits. Promo Codes are non-transferable, single-use unless otherwise stated, and subject to expiration and other restrictions. Spedy may modify, cancel, or revoke Promo Codes at any time without prior notice. Promo Codes have no cash value and may not be redeemed for cash. A Promo Code applied at the start of an Experience discounts that Experience and any continuations of the same session; it is not re-applied to separate Experiences.
Charges are generally final. Spedy will issue automatic partial or full refunds in specific situations described in the Receipt screen and in our Refund Policy, including:
Refund finality: Once a refund amount has been issued by Spedy, that amount is final and is not adjusted by subsequent events (such as later extensions, partial reconnects, or peer claims about the Experience's actual duration). Refund disputes must be raised through billing@spedyapp.com within 30 days of the Experience. Disputes raised after 30 days may not be considered, and you forfeit the right to challenge the charge.
Refund decisions are final. Spedy's resolution of refund disputes is final and binding, except as required by applicable consumer protection law.
If a charge is reversed by the issuing card network or payment processor (a "chargeback"), Spedy may offset the corresponding amount against the affected Brydgee's pending or future Payouts. By using Spedy, Brydgees agree to this offset and acknowledge that chargebacks are a marketplace risk.
Spedy does not currently support an in-app tipping feature. If you choose to tip a Brydgee outside the platform, you do so at your own risk. Spedy disclaims all liability for off-platform payments.
Spedy does not process payments for damages, lost-and-found, or claims arising from in-person interactions. Such claims are between the parties involved. Spedy may assist in dispute resolution at our sole discretion but is under no obligation to do so.
If you dispute a charge, you agree to first contact billing@spedyapp.com (Section 6.9) before initiating a chargeback with your bank or card issuer. Initiating a chargeback for an Experience you received, or using a chargeback as a substitute for the refund process, is a breach of these Terms. Where a chargeback is improper, Spedy may (a) recover the disputed amount and any associated processor fees from you, (b) suspend or terminate your account, and (c) present these Terms and your logged safety acknowledgments (Section 5.4) as evidence to the card network. You authorize Spedy to recover such amounts from your payment method.
Spedy disburses Payouts to Brydgees on a Friday schedule. Earnings from Experiences completed by the end of business on the Friday of a given week are eligible for Payout the following Friday, subject to a minimum hold of three (3) days from the time of Experience completion. Payouts may be delayed by bank, processor, or holiday schedules; Spedy does not guarantee specific Payout timing.
Spedy is committed to a principle that Brydgee earnings, once a successfully completed Experience has occurred, are not reduced by post-Experience reviews, ratings, or low-rating feedback alone. A bad review does not, by itself, reduce a Brydgee's earnings on a completed Experience. However, this commitment is subject to important exceptions:
Brydgees are independent contractors and are solely responsible for reporting and paying all income, self-employment, and other taxes on their earnings. Where required by applicable U.S. tax law, Spedy — directly or through its payment processors — will issue IRS Form 1099-NEC (or the applicable successor or equivalent form) to U.S. Brydgees who meet the reporting threshold for a calendar year, and may require a Brydgee to provide tax information (such as a Form W-9 or W-8) before issuing payouts or tax forms. Brydgees outside the United States are responsible for compliance with their own jurisdiction's tax laws.
Spedy does not currently collect sales tax or other transaction taxes. If Spedy becomes required by law to collect such taxes (for example, sales tax, ITBMS, or an equivalent transaction tax), it may begin doing so — as a marketplace facilitator or on behalf of the Brydgee, as applicable — and will identify any tax collected on the checkout receipt.
Spedy may withhold, delay, or suspend Payouts in cases of suspected fraud, ongoing investigation, regulatory action, account suspension, or violation of these Terms. We will release withheld Payouts following resolution where appropriate.
You agree to use Spedy in good faith and to treat other users with respect. You agree NOT to engage in any of the following on or in connection with the Service:
Harassment, hate speech, threats, intimidation, stalking, doxxing, or discrimination of any kind, including based on race, ethnicity, national origin, religion, gender, gender identity, sexual orientation, age, disability, or other protected characteristic.
Any unlawful activity, including the solicitation, facilitation, or commission of illegal services or transactions; the sharing or distribution of controlled substances; or the planning of any criminal act.
Spedy is not a platform for sexual or romantic services. The following are absolutely prohibited:
The following are absolutely prohibited and constitute grounds for immediate, permanent termination plus reporting:
Spedy reports CSAM and suspected predatory conduct involving minors to the National Center for Missing and Exploited Children (NCMEC) as required by 18 U.S.C. § 2258A, and to applicable law enforcement.
In addition, you understand that Spedy does not offer in-person meetings as a feature of the Service. Section 10 explains how these Terms apply if you separately decide to meet another user off-platform. Off-platform meetings are not "Experiences" under these Terms.
You are solely responsible for reviews you post and warrant that they are truthful and reflect your genuine experience or opinion. You agree to indemnify Spedy for any claim arising from a review you post.
Violations may result in any combination of: warnings, content removal, feature restrictions, temporary or permanent account suspension, forfeiture of pending Payouts, IP/device blocks, reports to law-enforcement or regulators, and legal action. Spedy chooses the response based on severity. Severe violations (Sections 8.3, 8.4) trigger immediate termination without warning.
Spedy reviews user-flagged reports within twenty-four (24) hours of submission. Confirmed violations result in immediate content removal and may include account suspension or termination per this Section 8.10. Reports involving imminent safety concerns are escalated immediately and may be referred to law enforcement.
You retain ownership of all User Content you submit to Spedy, including profile photos, chat messages, reviews, and ratings.
By submitting User Content, you grant Spedy a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to use, reproduce, modify (only as necessary for operation of the Service), distribute, publicly display, publicly perform, and host that User Content solely as necessary to operate, market, and improve the Service. This license terminates when you delete the User Content or close your account, except for:
Spedy will not use your individual profile photo or identifiable image in marketing materials, advertisements, or case studies without your prior express permission, except where you have explicitly opted in or where required by law.
The Service, the Spedy™ name and logo, the design, and all other content not provided by users are the exclusive property of Brydge Holdings LLC. Spedy™ is a trademark of Brydge Holdings LLC, and the Service and its content are protected by copyright, trademark, and other intellectual property laws. Except for the limited license to use the Service granted in these Terms, no rights are granted to you in any Spedy content or marks.
If you submit suggestions, ideas, or feedback to Spedy, you grant Spedy a worldwide, royalty-free, perpetual right to use that feedback for any purpose, with no obligation to compensate you. You waive any moral rights to feedback to the maximum extent permitted by law.
If you believe that Content on the Service infringes your copyright, please send a DMCA takedown notice (17 U.S.C. § 512) to Spedy's designated agent, who is registered with the U.S. Copyright Office:
DMCA Designated Agent
Brydge Holdings LLC
14900 Southwest 30th Street, No. 278552
Miramar, FL 33027
Email: dmca@spedyapp.com
Your notice must include: (1) identification of the copyrighted work claimed to be infringed; (2) identification of the allegedly infringing material and where it is on the Service; (3) your contact information; (4) a statement that you have a good-faith belief the use is unauthorized; (5) a statement, under penalty of perjury, that the information is accurate and that you are authorized to act for the copyright owner; (6) your physical or electronic signature.
Spedy reserves the right to terminate the accounts of users who are repeat infringers.
Spedy provides software that matches users and facilitates in-app digital communication in three modes: Text, Call, and Video. Spedy is not a chaperone, supervisor, escort, security service, dating service, in-person meetup facilitator, or guardian of any user. Spedy does not condone, encourage, facilitate, offer, schedule, supervise, or process payments for in-person meetings between users.
Spedy is a digital-only service and does not condone, encourage, or facilitate meeting another user in person or transacting off-platform. We recognize that two users who connect through Spedy may nonetheless, at their own discretion and against Spedy's strong advice, decide to meet in person or to communicate outside the Service. Spedy strongly discourages this. If you proceed anyway, communicating extensively through Spedy's safer in-app modes (especially Video) first may reduce — but does not eliminate — risk; no amount of in-app interaction makes an off-platform meeting safe.
If you choose to meet, communicate, or transact with another user off-platform, you do so entirely at your own risk and outside the Service. The following apply:
Within the Service, Spedy provides the following safety measures (each an aid, not a guarantee):
These measures apply only to interactions on the Service. They do not apply to off-platform interactions (Section 10.2).
By using Spedy, you knowingly and voluntarily assume all risk of any interaction with another user, whether in-app or off-platform, including but not limited to:
You acknowledge that other users may misrepresent themselves, may have undisclosed criminal or civil histories, may behave dangerously or unlawfully, and may cause harm. The screening Spedy performs (Section 5.3) is limited, name- and record-based, and not a guarantee; except for any criminal-record certificate a Brydgee is required to provide (Section 5.1), Spedy does not independently perform comprehensive, fingerprint-based, or court-record criminal background checks, and is not liable for the conduct of any user, on or off the Service. This assumption of risk applies to the maximum extent permitted by law.
Whether interacting in-app or considering off-platform contact, use your judgment:
The in-app urgent support button, available during an active in-app Experience, alerts Spedy's safety team and opens your device's dialer with your region's emergency number so you can place the call yourself. It is not an emergency dispatch system, and it does not function during off-platform interactions. For immediate threats to life or safety, call 911 (United States, Panama) or your local emergency number directly. Spedy is not responsible for response time, escalation outcome, or the ultimate response of any emergency or law-enforcement entity.
Spedy does not record voice or video calls. Calls between users are routed through our real-time provider (Agora) and are not recorded by Spedy or by Agora. Users may record locally only with the consent of all participants where consent is required by their jurisdiction (for example, two-party-consent states in the United States). You are solely responsible for the legality of any recording you make. Recording without consent in jurisdictions requiring it is a crime; Spedy disclaims all liability for any user's recording activity.
Spedy cannot prevent another user from taking a screenshot or screen recording, or from photographing their screen with another device. You should assume that anything you say, type, or show during an Experience — including your image, your voice, and any visible surroundings — may be captured, stored, or shared by the other user. Capturing another user's image or Content and republishing, distributing, or using it outside the Service without that user's consent is prohibited (Section 8) and may violate privacy, publicity, and other laws. Spedy disclaims all liability for any user's capture, retention, or off-platform use of another user's image, likeness, or Content.
Spedy may, and in some cases is legally required to, share information with law enforcement, regulators, the National Center for Missing and Exploited Children (NCMEC) as required by 18 U.S.C. § 2258A, the National Human Trafficking Hotline, or other entities responding to credible safety, fraud, or trafficking concerns. By using Spedy, you consent to such disclosures where Spedy reasonably believes they are appropriate or required. Spedy operates a zero-tolerance policy on child sexual abuse material (CSAM) and on conduct described in Sections 8.3 and 8.4.
Spedy does not provide emergency services, medical care, legal advice, financial advice, professional services, or any regulated advice. Brydgees are not licensed by Spedy and may not be qualified or licensed to provide regulated services in any jurisdiction. You should not rely on Brydgees or other users for regulated advice or licensed services. Information shared during Experiences is for general personal interest only. This includes any fitness, exercise, wellness, or other physical-activity guidance, which is provided for general interest only and which you follow at your own risk. You should consult a qualified professional (such as a physician) before beginning any physical activity, and you assume all risk of injury or harm resulting from following any such guidance. Likewise, any information a Brydgee shares about local laws, rules, regulations, government services, immigration, relocation, or similar matters is general information only — it may be incomplete or inaccurate, does not constitute legal or professional advice, creates no professional or advisory relationship, and you should independently verify it with official sources or a qualified professional before relying on it.
Brydgees may not hold themselves out as licensed attorneys, immigration consultants, financial advisors, physicians, or other licensed professionals, or provide any service that requires a license. If you are an Explorer, you release Spedy and the Brydgee from any claim arising from information shared in any Experience (including the Knowledge category), and you agree that any reliance is at your own risk. If you are a Brydgee, you agree to indemnify Spedy for any claim arising from information or guidance you provide, including any claim of unauthorized practice of law or unlicensed professional services.
Fitness, exercise, or wellness guidance shared in any Experience is general information only, is not personalized to your health condition, and may not be safe for you. You assume all risk of injury — including injury occurring while following such guidance in any location, including your own home — and you release Spedy and the Brydgee from any claim of injury or harm arising from fitness or physical-activity guidance, whether delivered in-app or otherwise.
Each Experience (including all extensions) is capped at 60 minutes (three 20-minute blocks) in the current version of the Service. Extensions beyond this cap are not permitted. This cap may change in future versions of the Service.
If both parties go silent (no chat messages, voice activity, or active call) for a continuous period of ten (10) minutes, Spedy's systems may automatically end the Experience. Auto-end Experiences are subject to refund rules in Section 6.9. You acknowledge that auto-end is a deliberate platform feature, not a service interruption, and is consistent with these Terms.
You may block another user from the in-app block function. Blocking has the following immediate effects: (a) the blocked user is removed from any active Experience between you; (b) the active Experience is canceled; (c) a corresponding report is created for Spedy review; (d) Spedy's matching system excludes the blocked user from your future matches and excludes you from theirs. Blocks are bilateral.
Spedy may, in our discretion, reverse blocks following review (for example, where the block appears retaliatory and not safety-based). The blocked user may not appeal or override your block; only Spedy may.
After each Experience, both parties may submit a review and rating. Reviews are published as defined in our Community Guidelines and are subject to the rules in Section 8.9. Reviews are non-removable except where they violate these Terms; you have no right to require removal of an honest, good-faith review of your conduct.
As a reviewed user, you acknowledge that Spedy is not the author of reviews about you and, to the maximum extent permitted by law (including 47 U.S.C. § 230), you will not assert any claim against Spedy arising from a review authored by another user. Your remedy for a false review is against its author.
Spedy displays user names in a safe format (first name only) and does not expose your last name, residential address, email, phone number, or payment details to other users. However, you understand that during Experiences (especially in Video mode), photographs, voice, background imagery, and your own conduct may reveal additional identifying information to your matched user. Be thoughtful about what you reveal. Brydgees are particularly advised against sharing residential or workplace location information.
Spedy may add, modify, or retire features, modes, or operational rules at its discretion, providing notice where practicable for material changes (consistent with Section 3.5). Pricing changes are governed by Section 6.5 (and may be made at Spedy's discretion, with the price always shown before an Experience begins). Continued use following such changes indicates acceptance.
Our Privacy Policy governs the collection, use, and sharing of your personal information. The Privacy Policy is incorporated into these Terms by reference.
Spedy implements industry-standard safeguards, including TLS encryption in transit, encryption at rest for sensitive fields, hashed passwords, scoped access controls, and audit trails for administrative actions. No method of transmission or storage is 100% secure, however, and Spedy cannot guarantee absolute security.
In the event of a data breach affecting your personal information, Spedy will notify you without undue delay and within any timeframe required by applicable law in your jurisdiction. The notification will describe, to the extent known and permitted by law, the nature of the breach, the types of information affected, and steps you can take to protect yourself, and may be delivered by email, in-app notice, or other method permitted by law. Spedy will also make any notifications to regulators or supervisory authorities required by applicable law.
Depending on where you live, you may have additional rights under:
To exercise these rights, see Section 6 of the Privacy Policy or email privacy@spedyapp.com. We respond to verified requests within the timeframe required by applicable law (generally 30 to 45 days), and may extend that period where permitted for complex or numerous requests, with notice to you.
Spedy is operated from the United States. Your data may be transferred to, processed, and stored in the United States or other jurisdictions where Spedy's service providers operate. Where required, we use appropriate safeguards (such as Standard Contractual Clauses) for international transfers.
You may delete your account at any time through the in-app account-deletion option (Profile → Delete or Deactivate Account) or by emailing privacy@spedyapp.com. When you delete your account, it enters a 30-day grace period during which you can cancel the deletion by restoring your account (for your security, we will email you a verification code to confirm the request); after the grace period, your profile and identifying information are permanently removed per the Privacy Policy retention schedule. Reviews you wrote about other users, and Experience records required for tax, dispute, or fraud-prevention purposes, may be retained after account deletion as described in the Privacy Policy.
You may close your account at any time. See Section 12.6.
Spedy may suspend or terminate your account immediately if, in our reasonable discretion, you have:
For non-severe violations, we will generally provide notice and an opportunity to respond before termination. For severe violations, termination is immediate.
Spedy may also terminate accounts at our convenience with reasonable notice (generally 30 days), for example, if we discontinue the Service in your region or pivot the platform. Where we terminate for convenience, we will allow a reasonable period to access your data and pending Payouts.
On termination:
If you believe your account was suspended or terminated in error, you may appeal by emailing support@spedyapp.com within 30 days of the action. Spedy will review the appeal in good faith. Spedy's decision on appeal is final.
Following suspension or termination, you may not create a new account, use a proxy account, or otherwise circumvent the action. Such circumvention is itself a violation of these Terms.
Before initiating arbitration, you and Spedy agree to attempt to resolve any dispute informally. Send a written notice describing the dispute to legal@spedyapp.com (or to Spedy's address in Section 16.8). Spedy will respond within 30 days. If we cannot resolve the dispute within 60 days of your notice, either party may proceed to arbitration.
You and Spedy agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, your use of the Service, or any interaction with another user will be resolved by binding individual arbitration, except as expressly excluded in Section 14.5.
Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, as modified by these Terms. The AAA's rules are available at www.adr.org.
You and Spedy each waive the right to a jury trial. You and Spedy each waive the right to participate in class actions, class arbitration, mass actions, collective actions, or representative proceedings. Disputes must be resolved on an individual basis. If a court determines this class-action waiver is unenforceable for a particular claim, that claim shall be severed from arbitration and proceed individually in court.
The following are not subject to mandatory arbitration:
These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-laws principles. Where arbitration is unavailable or excluded under Section 14.5, the state and federal courts located in Miami-Dade County, Florida have exclusive jurisdiction, except for Section 14.5(2) small-claims actions in the user's local jurisdiction. You and Spedy each consent to personal jurisdiction in those courts.
If you are a consumer and the mandatory law of your country of residence requires that consumer disputes be governed by its own law or be brought in its own courts, that requirement controls solely to the extent mandated; in all other respects this Section 14.7 applies.
Any claim must be filed within one (1) year after the cause of action accrues, or it is forever barred, except where applicable law mandates a longer period that may not be shortened by contract.
If any portion of Section 14 is held invalid or unenforceable, the remainder remains in full force, except: if the class-action waiver in Section 14.4 is held unenforceable as to a particular claim, the entire arbitration provision is unenforceable as to that claim only, and the claim proceeds in court.
You may opt out of the arbitration agreement and class-action waiver by sending written notice to legal@spedyapp.com within 30 days of accepting these Terms. Your notice must include your name, account email, and a statement that you opt out of arbitration. Opting out does not affect any other portion of these Terms.
This Section governs the orderly handling of large numbers of similar arbitration demands and is part of the parties' agreement to arbitrate on an individual basis (Section 14.4). If 25 or more substantially similar arbitration demands are filed against Spedy by or with the assistance or coordination of the same law firm or organized group of firms within a 90-day period (a "Mass Filing"), the following bellwether process applies, and the AAA and the parties will administer the demands under it rather than as unrelated individual cases:
This Section 14.11 does not waive the class-action waiver in Section 14.4; it is a procedural mechanism to manage coordinated individual claims efficiently and fairly. If any part of this Section 14.11 is held unenforceable, the remainder of Section 14 (including the individual-arbitration requirement) remains in effect to the extent permitted by Section 14.9.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. SPEDY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, RELIABILITY, AND ABSENCE OF VIRUSES OR OTHER HARMFUL CODE.
SPEDY MAKES NO WARRANTY OR REPRESENTATION REGARDING THE CONDUCT, IDENTITY, BACKGROUND, FITNESS, RELIABILITY, OR SAFETY OF ANY OTHER USER, INCLUDING BRYDGEES OR EXPLORERS. SPEDY DOES NOT GUARANTEE THE QUALITY, ACCURACY, OR OUTCOME OF ANY EXPERIENCE.
THE SERVICE INCORPORATES THIRD-PARTY SERVICES (PAYMENT PROCESSORS, MAPPING, REAL-TIME COMMUNICATIONS, NOTIFICATION DELIVERY, AND OTHERS) WHOSE PERFORMANCE IS OUTSIDE OUR CONTROL. SPEDY MAKES NO WARRANTY ABOUT THIRD-PARTY SERVICES AND IS NOT LIABLE FOR THEIR FAILURES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL BRYDGE HOLDINGS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE FEES YOU PAID TO SPEDY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).
This limitation of liability applies regardless of the legal theory on which a claim is based (whether contract, tort, negligence, strict liability, statute, or otherwise), regardless of whether Spedy has been advised of the possibility of such damages, and even if any remedy stated in these Terms is found to have failed of its essential purpose. The limitations and exclusions in this Section 15 do not apply to any liability that cannot be excluded or limited under applicable law (such as liability for gross negligence, willful misconduct, or fraud where non-waivable); as to any such liability, Spedy's liability is limited to the smallest amount permitted by applicable law. Each disclaimer of warranty and each limitation of liability in this Section 15 is a separate and independent allocation of risk and is severable from every other provision; if any one of them is held unenforceable, the remaining disclaimers and limitations remain in full force and effect.
Essential bargained-for risk allocation — digital-only model and assumption of risk. You acknowledge that Spedy is a digital-only communications platform (Sections 3.1 and 10.1) that does not offer, schedule, supervise, or process payments for in-person meetings, and that any decision to meet, communicate, or transact with another user off-platform is your own independent decision made at your own risk and outside the Service (Sections 10.2 and 10.4). The disclaimers and the liability cap in this Section 15 — including the exclusion of liability for personal injury, death, assault, sexual misconduct, and other physical harm arising from the conduct of any user, on or off the Service (Section 15.4(b)–(c)) — are an essential, bargained-for allocation of risk that reflects this digital-only model, the price of the Service, and your assumption of risk under Section 10.4, and without which Spedy would not make the Service available at the prices charged. You agree that this allocation is reasonable in light of the nature of the Service, and that the cap applies to claims for personal injury or off-platform harm to the fullest extent permitted by applicable law. Nothing in this paragraph limits any right that cannot be waived or limited under applicable law (Section 15.5).
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATIONS ON CERTAIN DAMAGES. TO THE EXTENT YOU CANNOT WAIVE A RIGHT UNDER APPLICABLE LAW, THAT RIGHT IS PRESERVED. This includes, in the United States, claims that may not be waived under the Federal Trade Commission Act and similar consumer-protection statutes; in Canada, certain rights under the Consumer Protection Acts of various provinces; in Panama, certain consumer rights under Law 45 of 2007; and similar non-waivable rights elsewhere.
You agree to defend, indemnify, and hold harmless Brydge Holdings LLC, its officers, directors, employees, agents, and affiliates from and against any claim, demand, loss, liability, damage, cost, or expense (including reasonable attorneys' fees) arising out of or relating to:
Spedy may assume the exclusive defense and control of any indemnified matter, in which case you agree to cooperate with Spedy's defense. This indemnification obligation survives termination of these Terms and the closure of your account.
Spedy is not liable for any delay, failure, or interruption arising from causes beyond our reasonable control, including natural disasters, government actions, war, terrorism, riots, civil unrest, pandemic, infrastructure or utility failures, third-party service outages, cyberattacks, or other events of force majeure. If a force majeure event continues for more than sixty (60) days, either party may suspend the affected obligations for the duration of the event, and Spedy may terminate or suspend affected portions of the Service without liability.
You release Spedy and its officers, directors, employees, agents, and affiliates from any and all claims, demands, damages, losses, and liabilities of every kind and nature, known or unknown, arising out of or in any way connected with any dispute, interaction, communication, or transaction between you and any other user, whether occurring on or off the Service, and whether arising before, during, or after any Experience. Your sole remedy for any such dispute is against the other user, not against Spedy.
If you are a California resident, you expressly waive California Civil Code § 1542, which states: "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." You waive any similar protection under the law of any other jurisdiction.
These Terms, the Privacy Policy, and any other Spedy Policies linked from the Service constitute the entire agreement between you and Spedy regarding the Service. They supersede any prior agreement or understanding.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full force. The invalid or unenforceable provision will be modified to the minimum extent necessary to be valid and enforceable while preserving the original intent.
A failure or delay by Spedy to enforce any provision of these Terms is not a waiver of that provision or of any other provision.
You may not assign these Terms or any of your rights or obligations without Spedy's prior written consent. Spedy may freely assign these Terms in connection with a merger, acquisition, sale of assets, or restructuring, with notice to you.
Brydgees, payment processors, and other service providers that interact with the Service are independent contractors of Spedy. Nothing in these Terms creates an employment, partnership, joint venture, or agency relationship between Spedy and any such party, or between any user and any such party.
Except for Apple Inc. as expressly stated in Section 1.5, no provision of these Terms creates rights, claims, or causes of action for any third party.
Spedy may send notices to you by in-app message, push notification, email to the address associated with your account, SMS to the registered phone number, or postal mail to the address you provided. Notices are deemed received: (a) immediately, if delivered electronically; (b) 48 hours after mailing, if sent by postal mail.
You may send notices to Spedy by email to support@spedyapp.com (general matters) or legal@spedyapp.com (legal matters), or by postal mail to:
Brydge Holdings LLC
14900 Southwest 30th Street, No. 278552
Miramar, FL 33027
United States
These Terms are in English. If a translation is provided for convenience and a conflict exists between the translation and the English version, the English version controls, except where applicable law requires a translated version to govern.
For any questions about these Terms or the Service:
Brydge Holdings LLC
Email: support@spedyapp.com
Legal: legal@spedyapp.com
DMCA: dmca@spedyapp.com
Address: 14900 Southwest 30th Street, No. 278552, Miramar, FL 33027
You consent to transact with Spedy electronically and to receive all communications, agreements, disclosures, receipts, and tax documents (including IRS Form 1099) electronically. You agree that your electronic acceptance — such as tapping "I agree," "Got it," or completing an in-app safety acknowledgment — constitutes your electronic signature under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001) and applicable state law, and constitutes your agreement and intent to be bound. You may withdraw consent to electronic records by closing your account; withdrawal does not affect the validity of prior electronic transactions. You may request a paper copy of any record by writing to legal@spedyapp.com.
If you use the Service as a consumer in Panama, the following apply in addition to — and, where they conflict, in place of — the general provisions of these Terms, solely to the extent required by Panamanian law: