Terms of Service

PLEASE READ CAREFULLY. By creating an account, accessing, or using the Private Line mobile app, website, and related services (collectively, the "Service"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service.

The same Terms are available as plain text at /legal/terms-of-service-plain.txt for in-app distribution and scripts.

1) Definitions

"Private Line," "we," "us," and "our" refer to the operator of the Service.

"User," "you," and "your" refer to any person who uses the Service.

"Consultant" means a User who offers services (including voice and video calls and chat) to other Users.

"Client" means a User who receives services from a Consultant.

"Content" includes messages, call audio and video, files, images, profile information, and any other information submitted through the Service.

2) Acceptance

These Terms apply to all Users of the Service, including Consultants, Clients, and visitors to our website. By using the Service, you acknowledge that you have read and agree to these Terms (including by tapping "I agree" or similar where offered).

3) Description of Service

Private Line is an invitation-oriented platform that connects Consultants with Clients for real-time consultations via voice and video calls and messages. The Service may enable Consultants to invite Clients they know and trust, Clients to connect using those invitations, Consultants to set rates, secure payment processing for consultations (for example per-minute for voice and video calls and per message sent), and appointment scheduling and related features. Features may change over time.

4) Eligibility and Accounts

You must be at least 18 years old (or the age of majority where you live) to use the Service.

To use the Service, you must create an account with accurate and complete information, maintain the security of your account credentials, comply with applicable laws, and notify us promptly of any unauthorized use. You are responsible for all activity under your account.

5) Consultant Responsibilities

If you use the Service as a Consultant, you agree to: provide accurate information about your expertise and qualifications; set fair and transparent rates; deliver professional and ethical consultations; comply with applicable professional standards and regulations; maintain appropriate professional boundaries; and not provide services that require professional licensing unless you are properly licensed.

6) Client Responsibilities

If you use the Service as a Client, you agree to: use the Service only for legitimate consultation purposes; respect Consultants' time and expertise; pay for services received in accordance with the Consultant's rates; and not use the Service for any illegal or unauthorized purpose.

7) Core Rule: No Illegal Activity (Strict Prohibition)

You may NOT use the Service to discuss, plan, facilitate, promote, request, provide instruction for, or engage in any illegal activity.

This includes, without limitation:

• Buying, selling, trafficking, or soliciting illegal goods or services
• Fraud, scams, identity theft, money laundering, or evasion of law enforcement
• Instructions to commit wrongdoing, hacking, or exploitation
• Threats, extortion, or harassment
• Any activity that violates applicable laws or regulations

We may suspend or terminate accounts, remove Content, refuse service, and report activity to law enforcement where required or appropriate.

8) Safety, Harassment, and Abusive Conduct

You may NOT harass, threaten, intimidate, exploit, or abuse others. Hate speech, discriminatory harassment, or targeted abuse is prohibited.

You may NOT share Content that is sexually exploitative, abusive, or involving minors (strictly prohibited). Any suspected child exploitation will be reported.

You may NOT impersonate any person or entity or misrepresent your affiliation; transmit malicious code or harmful Content; attempt unauthorized access to the Service or other accounts; interfere with or disrupt the Service; use automated systems without permission; or collect or harvest information about other Users without authorization.

9) Content, Communications, and Moderation

You are responsible for your Content. You represent that you have the rights to share it and that it does not violate these Terms.

We may, but are not obligated to, monitor, review, moderate, or remove Content to enforce these Terms and protect Users and the Service.

10) Payments, Fees, Stripe, and Refunds

Certain features require payment. Prices, fees, commissions, taxes, and platform fees may apply and will be disclosed or calculated in the Service. Platform fees may vary per Consultant.

Payments are processed securely through Stripe. By using paid features, you agree to Stripe's terms. Sexually explicit content or services may not be sold using Stripe-powered payments; such use is strictly prohibited and may result in immediate termination.

Except where required by law or as expressly stated in writing by Private Line, charges are generally final. For billing or refund inquiries, contact support@privateline.to; we review requests in our sole discretion.

Consultants receive payouts according to schedules and rules shown in the Service.

11) Prohibited Uses (Additional)

Without limiting the above, you agree not to use the Service for any illegal purpose; to violate others' rights; or to use Stripe-powered payments for sexually explicit content or services.

12) Intellectual Property

The Service and its original Content, features, and functionality are owned by Private Line and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain ownership of Content you create or share, but grant us a license to use, display, and distribute such Content as necessary to provide the Service.

13) Professional / Informational Use

Unless explicitly stated otherwise in writing, the Service does NOT provide legal, medical, tax, investment, or other regulated professional advice. You are responsible for verifying information and making your own decisions. If you need emergency help, contact local emergency services immediately.

Consultants offering services in regulated fields represent and warrant they hold required licenses and certifications for their jurisdiction. Private Line does not verify professional licenses. Users should independently verify credentials.

Consultants who provide services requiring professional licensure without valid credentials violate these Terms and may face immediate termination and legal action.

By using the Service, you acknowledge that Private Line facilitates connections and is not responsible for professional qualifications, advice quality, or outcomes of consultations.

IMPORTANT: Information and consultations through the Service are not a substitute for professional medical care, legal advice, or emergency services. DO NOT rely on the Service for life-saving medical advice, emergencies, or critical health decisions. If you are experiencing a medical emergency, call 911 or your local emergency number immediately.

14) Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRIVATE LINE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee uninterrupted, secure, or error-free operation. We are not responsible for the quality, accuracy, or legality of consultations provided by Consultants.

15) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRIVATE LINE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, WHETHER INCURRED DIRECTLY OR INDIRECTLY.

16) Indemnification

You agree to indemnify and hold harmless Private Line, its officers, directors, employees, and agents from claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or relating to your use of the Service or violation of these Terms.

Healthcare Consultants agree to indemnify and hold Private Line harmless from claims, damages, or penalties arising from the Consultant's failure to comply with HIPAA or other applicable healthcare privacy laws while using the Service.

17) Termination

We may suspend or terminate your account at any time if we believe you violated these Terms, created risk, or misused the Service, including for fraudulent, harmful, or illegal activity, or extended inactivity as described in the Service.

You may terminate your account by contacting support@privateline.to.

18) Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated Terms and update the effective or "last updated" date. Continued use of the Service after changes constitutes acceptance of the current Terms, except where applicable law requires otherwise.

19) Governing Law

These Terms are governed by the laws of the State of California, USA, without regard to conflict-of-laws principles, unless your local law requires otherwise.

20) Dispute Resolution

20.1 Mandatory Arbitration

Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules, in Los Angeles, California. The arbitrator's decision shall be final and binding.

20.2 Class Action Waiver

YOU AGREE THAT DISPUTE RESOLUTION WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS, NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action or class-wide arbitration against Private Line.

20.3 Exceptions

Either party may seek injunctive relief in any court of competent jurisdiction for intellectual property infringement or unauthorized access to the Service.

20.4 Opt-Out

You may opt out of this arbitration agreement by sending written notice to legal@privateline.to within 30 days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you wish to opt out of the arbitration agreement.

21) HIPAA Compliance and Healthcare Use

21.1 Business Associate Agreement

If you are a healthcare provider, health plan, healthcare clearinghouse, or other "Covered Entity" under HIPAA, and you use Private Line to create, receive, maintain, or transmit Protected Health Information ("PHI"), you must enter into a Business Associate Agreement ("BAA") with Private Line before using the Service for such purposes. To request a BAA, contact hipaa@privateline.to.

21.2 Healthcare Consultant Responsibilities

Healthcare Consultants agree they are solely responsible for complying with applicable healthcare privacy laws; will complete HIPAA training provided in the platform before transmitting PHI where required; will only use the platform for healthcare communications after executing a BAA where required; will report suspected security incidents promptly; and are responsible for necessary patient authorizations.

21.3 Safeguards

Private Line implements safeguards as described in our Privacy Policy. The Service does not provide medical advice, diagnosis, or treatment and is not for medical emergencies.

22) Contact

Questions about these Terms: support@privateline.to

Website: https://privateline.to

Acknowledgement

By tapping "I agree" (or by using the Service), you acknowledge that you have read and agree to these Terms.