Terms of Service

Agreement to Terms

Welcome to Second Street Music ("SSM," "we," "us," "our"). These Terms of Service ("Terms") govern your use of the SSOS Platform ("Platform") including our website, mobile applications, studio booking system, marketplace, event ticketing, learning platform, messaging services, gig network, and all related services accessible at secondstreetmusic.com and our physical location(s) in Philadelphia, Pennsylvania.

By creating an account, making a booking, purchasing a product, enrolling in a course, posting a listing, or using any of our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

Definitions

• "Member": Any individual or entity with an active SSM account
• "Booking": A reserved time slot for studio, rehearsal, or service use
• "Account Credits": Non-transferable store credit issued by SSM as compensation for cancellations or as promotional bonuses. Credits are not general-purpose currency and may only be applied toward future bookings or services as described in Section 1.6 (Credits) below.
• "Services": Studio rental, equipment rental, recording services, education, marketplace, events, gig network, messaging, storage, management services, and all related offerings
• "Provider": An instructor, service provider, or professional offering services through the Platform
• "Facility": A physical location (studio, venue, etc.) registered on the Platform
• "Marketplace": The SSOS online marketplace for physical products, digital products, merchandise, consignment items, and print-on-demand goods
• "Event": A ticketed or non-ticketed event hosted at a Facility through the Platform
• "Gig": A performance opportunity posted on the Platform's gig network
• "Content": Any text, images, audio, video, recordings, listings, reviews, messages, or other material submitted to the Platform
• "PTT": Push-to-Talk, the Platform's real-time voice communication feature
• "NFC Card": Near-field communication card linked to a member's profile for tap-to-share networking

Account Registration

Eligibility

• You must be at least 18 years old to create an account
• You must provide accurate, current, and complete information
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activity under your account

Account Types

The Platform supports multiple account types and roles:

• Member: Base account for booking, purchasing, and using services
• Provider: Members who offer instruction, services, or performances
• Facility Owner/Manager: Members who manage physical locations
• Band/Group: Entity accounts representing musical groups
• Business Entity: Organization accounts for business operations
• Vendor: Members registered to sell at event vendor booths

Account Responsibilities

• One primary account per person
• Entity accounts (band, business) may have multiple authorized users
• Notify us immediately of any unauthorized use
• Do not share credentials or create accounts on behalf of others without authorization

Platform Services

Studio Booking

• Bookings made through our online booking system
• All bookings require payment or sufficient account credits
• Bookings subject to availability; we reserve the right to refuse any booking
• Hold period: unpaid bookings held for 15 minutes from creation; adding items extends hold by 10 minutes per item; one manual extension of 5 minutes per session

Marketplace

• Members may list physical products, digital products, and merchandise for sale
• All sales processed through the Platform's payment system
• Commission rates vary by product type and fulfillment model (see Provider & Seller Agreement)
• Consignment items subject to consignment terms in the Provider & Seller Agreement
• Prohibited items: illegal goods, counterfeit products, weapons, controlled substances, hazardous materials

Event Hosting

• Events require Facility approval before ticket sales
• Event hosting subject to Section 1.8 (Events — Hosting & Attendance) below
• Platform charges service fee on ticket sales (see Section 1.8)
• Event hosts responsible for compliance with all applicable laws

Learning Platform

• Courses offered by registered Providers and Instructors
• Enrollment subject to Section 1.10 (E-Learning) below
• Course content ownership retained by instructors unless otherwise agreed
• PTT/recording features in courses subject to Section 1.13 (Recording & Transcription Consent)

Gig Network

• Performance opportunities posted by venues and members
• Independent contractor relationships only — no employment relationship created
• Commission rates vary by poster type (see Section 1.9, Gig Network)

Messaging & Communication

• In-platform messaging between members
• PTT voice communication (subject to Section 1.13, Recording & Transcription Consent)
• Message retention and privacy governed by Section 1.12 (Communication & Messaging)

Storage & File Management

• Cloud storage for audio, documents, and media files
• Storage limits based on membership tier
• External storage import/export (Dropbox, Google Drive, OneDrive)

NFC Cards & Digital Profiles

• NFC-enabled cards for tap-to-share networking
• Electronic Press Kits (EPK) for artists and providers
• Profile data shared only with your consent per tap interaction

Management Services

• Platform facilitates one-time management bookings
• 8 management service types available
• Platform acts as facilitator, not manager (see Section 1.11, Management Services)

Cancellation & Refunds

Overview

This section covers cancellations and refunds for all paid services on the SSOS Platform: studio bookings, event tickets, course enrollments, marketplace orders, vendor booth registrations, and gig commitments.

Key Principles:

• Default compensation is account credits (avoids credit card processing fee loss for both parties)
• Card refunds available upon request with admin approval, subject to a 5% cancellation fee (waivable by admin)
• Credits represent value owed to you and are never forfeited due to account termination
• Platform and Stripe never go negative — payouts only after funds clear

Studio Booking Cancellations (Customer-Initiated)

| Tier | Window | Credits | Cash Refund (if approved) |
|------|--------|---------|--------------------------|
| A | 7+ days before | 100% | 100% minus 5% cancellation fee |
| B | 3-7 days before | 75% | 75% minus 5% cancellation fee |
| C | 1-3 days before | 50% | 50% minus 5% cancellation fee |
| D | Under 24 hours | 25% | 25% minus 5% cancellation fee |
| E | No-show | 0% | 0% |

How it works: When you cancel a booking, funds are still held in Stripe (not yet transferred to the provider). Credits are issued immediately at the tier amount. If you request a cash refund instead, admin must approve it and the 5% cancellation fee is deducted. Cash refunds use `reverse_transfer: true` to pull from held funds — never from SSM's operating balance.

On partial tiers (B-D), the retained portion is split proportionally among all payout parties (platform, provider, facility), with credit card processing fees deducted proportionally.

Tier D is kept at 25% to provide a small incentive for customers to formally cancel rather than simply not showing up.

Provider/Facility-Initiated Cancellations

#### Provider Cancels

• Provider receives $0 pay for the cancelled booking
• Credit card processing fees debited from provider's Stripe Connect balance
• Strike recorded on provider's account
• Temporary suspension may apply for repeated cancellations
• Substitution first: Platform will attempt to find a replacement provider. If a substitute is available, the booking continues with the new provider and the customer is notified.

#### Facility Cancels

• Same pattern as provider cancellation — substitution attempted first
• If another facility is available in time, booking continues at new location
• Cancelling facility receives strike and is liable for non-recoverable costs

#### Non-Cancelling Parties
Non-cancelling parties (customer, non-cancelling provider, non-cancelling facility) are freed from the booking without penalty. They may file claims for proven non-recoverable costs through the Platform's dispute resolution process (Section 1.20). The cancelling party's future payouts may be garnished to cover proven claims.

Event Ticket Refunds

• All ticket sales are final — no refunds for change of mind, schedule conflicts, or dissatisfaction
• Event cancelled by host: Full refund to original payment method. Host's deposit covers provider payments per provider compensation tiers (100% if <48hr before event, 50% if 2-7 days, 0% if 7+ days).
• Event cancelled by facility (facility's fault): Full refund to all ticket holders. Facility receives strike and is liable for non-recoverable costs.
• Force majeure cancellation: Full refund to all ticket holders. Cancellation insurance covers costs if applicable; no strike issued.

#### Member Discounts on SSM Events
For events where SSM is the organizer (not all events on the platform), members receive tiered ticket discounts per the Fee Schedule. These discounts apply only to SSM-organized events, not to events hosted by third-party organizers at SSM or other facilities.

Course Enrollment Refunds

Refund terms depend on the course payment model:

#### Subscription Courses (weekly_subscription, monthly_subscription)

• Cancel anytime — no more charges after current billing period
• Access continues until the end of the current billing period
• No proration for partial periods

#### Individual In-Person Lessons (per_session + in_person)
Follow the standard 5-tier booking cancellation schedule (Section 1.5.2), as each lesson is functionally a booking.

#### One-Time Purchase Courses (one_time)

• Before course starts: Full refund as account credits
• Course discontinued by instructor: Full refund or transfer to equivalent course

#### Free Courses
No refund applicable.

Marketplace Order Returns

• Physical products (seller-fulfilled): Seller's return policy applies (minimum 14-day return window required by Platform). Return shipping at buyer's expense unless item defective.
• Consignment items: All sales final (items are inspected/described pre-sale)
• Digital products: No refunds (delivered immediately upon purchase)
• Print-on-demand: No refunds (custom produced). Defective items replaced at no cost.
• Defective/misrepresented items: Full refund via Platform mediation

Vendor Booth Cancellations

Vendor booths are for events planned weeks or months in advance, so cancellation windows are longer:

| Tier | Window | Credit |
|------|--------|--------|
| A | 30+ days before event | 100% |
| B | 14-30 days before | 75% |
| C | 7-14 days before | 50% |
| D | Under 7 days | 25% |
| E | No-show | 0% |

Organizer override: The event organizer may choose to set a blanket policy of "100% refund minus credit card processing fees" for any vendor cancellation, overriding the default tiers above.

Vendor cancels: Forfeit booth fee per tiers above, receive a strike, and may be replaced from the waitlist.

Payment model exceptions: These tiers only apply to payment models with upfront fees (booth rental, hybrid, extended, recurring). For commission-only and free booth models, vendor cancellation results in a strike only (no financial penalty).

Gig Cancellations

#### Poster (Venue/Member) Cancels Gig

| Timing | Performer Compensation |
|--------|----------------------|
| 30+ days before | 0% |
| 14-30 days before | 25% of agreed compensation |
| 7-14 days before | 50% of agreed compensation |
| Under 7 days | 75% of agreed compensation |
| Under 48 hours | 100% of agreed compensation |

Enforcement depends on compensation type:

• Guarantee (flat fee): Deposit or full prepayment required at booking. Kill fee tiers apply against held funds.
• Percentage-only (% of door/sales): No deposit possible (money doesn't exist yet). Cancelling poster gets strike + suspension. Performer receives nothing financially — this is the inherent risk of percentage deals.
• Hybrid (guarantee + percentage): Deposit covers guarantee portion. Kill fee tiers apply to guarantee only. Percentage portion is speculative and uncompensated.

#### Performer Cancels

• Forfeits any guarantee or compensation
• Receives a strike on their account
• Substitution: Performer may find a replacement — sub inherits deal terms. If organizer finds a replacement, deal terms are negotiable.

#### Force Majeure
Cancellation insurance covers costs if applicable. No strikes issued.

#### Poor Ticket Sales / Organizer Pulls Plug
Treated as a poster cancellation — performer kill fee tiers apply. Performers should not suffer financially for someone else's marketing.

SSM-Initiated Cancellations

If we cancel due to equipment failure, facility issues, or emergency: 100% compensation as credits OR full card refund (no cancellation fee) OR rebooking at no charge.

How to Request a Refund

• Log in to your account
• Navigate to the relevant order/booking
• Click "Request Cancellation" or "Request Refund"
• Choose credits (default) or request card refund (requires admin approval)
• Provide reason
• Admin review using commercially reasonable efforts, typically within 10 business days

Credits

What Are Account Credits?

Account credits are non-transferable store credit issued by SSM as compensation when a booking or service is cancelled. Credits are the default refund method for cancellations because they avoid credit card processing fee losses for both parties.

Credits are NOT general-purpose digital currency. They cannot be used as a payment method for marketplace purchases, course enrollments, event tickets, or other non-booking services.

How Credits Are Issued

Credits are issued in the following situations:

• Cancellation compensation: Per the cancellation tier schedule (Section 1.5)
• SSM-initiated cancellations: When SSM cancels a booking due to equipment failure, facility issues, or emergency
• Promotional bonuses: Admin-issued credits for special promotions (promotional credits may have restrictions and expiration dates)
• Dispute resolution: Credits issued as part of a Platform-mediated dispute outcome

How Credits Are Used

• Credits may be applied toward future studio bookings and provider services at checkout
• Credits are applied before card charges (credits deducted first)
• No minimum card charge required when using credits
• Promotional credits may have additional restrictions as specified at time of issuance

Credit Properties

• Non-transferable: Credits cannot be transferred to another account
• No cash value: Credits cannot be redeemed for cash (except upon account termination — see Section 1.6.6)
• No expiration: Standard cancellation credits do not expire. Promotional credits may have expiration dates.
• Not a payment method: Credits are not a general-purpose payment instrument

Gift Memberships

SSM offers Gift Memberships — prepaid membership products that can be purchased for another person. Gift Memberships:

• Activate a specific membership tier (Basic, Plus, or Pro) for a defined period
• Are non-refundable once purchased
• Are not account credits — they are standalone products

If SSM introduces gift cards or stored-value products in the future, they will be scoped to specific facilities, providers, or services, and this policy will be updated accordingly.

Credits Upon Account Termination

Account credits representing refund compensation are never forfeited. If your account is terminated (by you or by SSM), you may request a final cash payout of your remaining credit balance. SSM will process this within 30 days of the request.

Marketplace — Buyer Terms

Scope

These terms govern your purchases on the SSOS Marketplace.

Buyer Rights

• Receive products as described in the listing
• Receive tracking information for shipped orders
• Return physical products within seller's stated return period (minimum 14 days)
• File a dispute for items not received, defective, or substantially not as described
• Receive refund for cancelled orders

Payment & Escrow

• All payments processed through Stripe
• For seller-fulfilled orders, funds held in escrow until delivery confirmed + 48-hour dispute window
• For consignment items: payment processed, item shipped by SSM
• For POD items: payment processed, item manufactured and shipped by Printful
• For digital products: payment processed, instant delivery

Returns & Refunds

| Product Type | Return Policy |
|---|---|
| Physical (seller-fulfilled) | Seller's policy (min 14 days). Return shipping at buyer expense unless defective. |
| Consignment (SSM) | All sales final (inspected/described pre-sale) |
| POD (print-on-demand) | No returns. Defective items replaced free. |
| Digital products | No refunds (instant delivery). Exceptions for corrupt/misdescribed files. |

Dispute Process

• Contact seller first through Platform messaging
• If unresolved within 3 business days, file a Platform dispute
• Platform mediates — reviews evidence from both parties
• Platform issues binding decision on Platform matters (refunds, credits, strikes)
• If dispute involves escrow funds, Platform may release/refund based on evidence
• For disputes not resolved through Platform mediation, the standard 3-tier dispute resolution process applies: 30-day informal resolution, then mandatory binding arbitration (AAA, Philadelphia PA), with small claims exception (up to $12,000 in PA magisterial district court). See Section 1.20 (Dispute Resolution & Arbitration).

Buyer Obligations

• Provide accurate shipping address
• Inspect items promptly upon delivery
• Report issues within 48 hours of delivery (for escrow-protected orders)
• Do not file fraudulent disputes or chargebacks

Events — Hosting & Attendance

Platform Role

The Platform provides a marketplace service connecting event hosts ("Host," "you") with venue facilities ("Facility") and ticket buyers ("Attendees"). We facilitate bookings, process payments, and provide event management tools. We are not a party to Host-Facility or Host-Attendee agreements.

Event Creation & Approval

• You must be 18+, provide accurate information, and comply with all applicable laws
• All events require Facility approval before ticket sales begin
• Required providers (security, engineers) must confirm availability within 48 hours
• Prohibited events: illegal activities, unlicensed gambling, hate speech, violence without proper permits

Pricing & Fees

#### Platform Service Fee
The Platform charges a service fee on the organizer's net ticket price. The current rate is disclosed during event creation and in the Platform's Fee Schedule. This fee covers payment processing, fraud protection, customer support, and platform maintenance.

Pricing Options:

• "Price I Receive": You set your desired amount; Platform calculates attendee price by adding the service fee
• "Price Attendees Pay": You set total price; Platform deducts the service fee from your share

#### Member Discounts (SSM-Organized Events Only)
For events where SSM is the organizer, members receive tiered ticket discounts. Discount rates are specified in the Platform's Fee Schedule and displayed at checkout.

These discounts do not apply to events hosted by third-party organizers.

#### Base Event Costs
You are responsible for Base Event Costs regardless of ticket sales: required provider fees, room rental (per Facility's chosen policy: Strict/Flexible/Hybrid).

#### Profit Sharing
After Base Event Costs covered, remaining profit split per agreed percentage (e.g., 70% Host / 30% Facility). Locked at confirmation.

#### Deposit
Required at event confirmation. Covers provider fees and room rental. Deposit handling on cancellation governed by Section 1.8.6.

#### Shortfall Responsibility
If ticket revenue does not cover Base Event Costs, you are responsible for the shortfall. Authorization hold placed on your payment method 48 hours before event.

Vendor Booths

• Events may include vendor booth spaces
• Vendor booth fees set by Host, collected through Platform
• Vendor booth revenue included in event settlement waterfall

#### Vendor Booth Registration

• Register for available booth spaces through the Platform
• Booth fees set by Event Host, collected through Platform
• Booth assignment confirmed upon payment
• Booth assignments are non-transferable without Host approval

#### Vendor Obligations

• Arrive during designated setup window
• Operate only during event hours
• Sell only items/services described in your registration
• Comply with all applicable laws (business licenses, sales tax collection, health permits for food)
• Maintain clean and orderly booth space
• Remove all materials during designated teardown window
• Follow Event Host and Facility rules

#### Prohibited Items

• Illegal goods or controlled substances
• Weapons or ammunition
• Counterfeit or stolen goods
• Items not disclosed in booth registration
• Items prohibited by Event Host or Facility

#### Vendor Insurance

• Vendors are strongly encouraged to carry general liability insurance
• Facility or Event Host may require proof of insurance (typically $1,000,000 minimum)
• You are liable for injuries to attendees or damage to property arising from your booth

#### Vendor Liability

• You are responsible for your booth, products, employees/assistants, and attendees at your booth
• You indemnify SSM, the Event Host, and the Facility against claims arising from your booth
• Platform liability limited to booth fees paid (capped at fees paid in prior 12 months)

#### Vendor Booth Cancellation
Events are planned weeks or months in advance. Cancellation tiers are specified in Section 1.5.7 above.

Ticket Sales & Refunds

• All ticket payments processed through Platform
• Funds held in escrow until after event
• All ticket sales final (exceptions: event cancellation, force majeure)
• Cash door sales must be logged in Platform and are subject to the same service fee rate

Host Cancellation

#### Host Voluntary Cancellation
If you cancel your event voluntarily:

• All ticket holders receive full refunds
• Your deposit covers provider compensation per the provider compensation schedule:

- Provider notified less than 48 hours before event: 100% of provider's agreed rate
- Provider notified 2-7 days before event: 50% of provider's agreed rate
- Provider notified 7+ days before event: 0%

• Remaining deposit (after provider payments) is forfeited

#### Host No-Show Penalties
| Tier | Circumstance | Consequence |
|------|-------------|-------------|
| 1 | Emergency (documented) | Deposit forfeited, no ban, one lifetime exception |
| 2 | First no-show | Deposit forfeited + 180-day suspension from event hosting |
| 3 | Repeat no-show | Deposit forfeited + permanent ban from event hosting |
| 4 | Late show | Overtime buffer forfeited + warning |

#### Venue/Facility Cancellation

• Venue's fault: Full deposit refund to host. Venue liable for non-recoverable costs. Strike issued.
• Force majeure: Cancellation insurance covers costs. No strike issued. Full ticket refunds to attendees.

#### Performer Cancellation

• Performer forfeits guarantee + receives strike
• Substitution: Performer finds replacement — sub inherits deal. Organizer finds replacement — deal negotiable.

#### Vendor Cancellation
Same pattern as performer — forfeit booth fee + strike. Substitution possible from vendor waitlist.

Event Liability & Insurance

• Host solely responsible for event safety, legal compliance, permits, attendee conduct, and facility damages
• Facility may require event liability insurance (typically $1,000,000 minimum)
• Platform liability limited to fees paid by Host for that event (capped at fees paid in prior 12 months)
• Host indemnifies Platform against all claims arising from event

Settlement Waterfall (Post-Event)

```
Total ticket revenue
-> Platform: service fee per Fee Schedule
-> Venue: itemized fees (from confirmed proposal)
-> Performers: per confirmed deal terms
-> Organizer: remainder
```

Payout processed after all services are rendered AND cash has been reconciled electronically (from event check-in reports). For electronic-only events, payout is typically next business day after event completion. For events with cash transactions, payout waits until cash is deposited and cleared. Platform and Stripe never go negative — if pending funds and deposits are insufficient to cover payouts, settlement waits until all funds clear.

Event Dispute Resolution

Disputes follow the Platform's standard 3-tier process: informal resolution (30-day good faith period), then Platform mediation, then mandatory binding arbitration (AAA, Philadelphia PA). Class action waiver applies. See Section 1.20 (Dispute Resolution & Arbitration).

Gig Network

Scope

These terms govern your use of the SSOS Gig Network, whether you are posting gig opportunities ("Poster") or applying for gigs ("Performer").

Independent Contractor Relationship

ALL GIG RELATIONSHIPS ARE INDEPENDENT CONTRACTOR ARRANGEMENTS. The Platform facilitates connections but does not create employment relationships. Neither Posters nor Performers are employees, agents, or representatives of SSM.

Commission

The Platform charges a commission on gig payments, tiered by poster type and volume. Current rates are disclosed during gig posting and available in the Platform's Fee Schedule. Commission is deducted from the gig payment processed through the Platform.

Poster Obligations

• Provide accurate gig details (date, time, location, compensation, requirements)
• Honor agreed compensation terms
• Provide a safe performance environment
• Process payment through the Platform (no off-platform payment to circumvent fees)
• Respond to applications within 48 hours

Performer Obligations

• Apply only for gigs you can fulfill
• Arrive on time with required equipment
• Perform professionally
• Honor cancellation commitments (see Section 1.5.8)
• Provide accurate profile and experience information

Payment

• All gig payments processed through the Platform via Stripe Connect
• For guarantee-based gigs: deposit or full prepayment held at booking
• Payout processed after gig completion AND cash reconciled electronically. For electronic-only events, typically next business day. For events with cash transactions, payout waits until cash is deposited and cleared. Platform and Stripe never go negative.
• Dispute window: 48 hours after gig completion

Gig Cancellation

Cancellation terms for gigs are specified in Section 1.5.8 above.

Tax Obligations

• Performers are responsible for reporting gig income
• SSM will issue 1099-NEC forms as required (threshold: $600/year)
• Performers must provide valid tax information (SSN/EIN)

E-Learning

Scope

This section governs your enrollment in courses, workshops, and educational content offered through the SSOS Learning Platform.

Enrollment

• Enrollment is per-course; some courses may have prerequisites
• Course access begins immediately upon payment (or when course opens, if scheduled)
• Enrollment is personal and non-transferable

Course Content

• Course content is provided by independent instructors, not SSM
• SSM does not guarantee the accuracy, completeness, or quality of course content
• Instructors retain intellectual property rights to their content
• Students may not redistribute, resell, or share course content

Refunds

Refund terms depend on how the course is structured and paid for. See Section 1.5.5 (Course Enrollment Refunds) for full details.

PTT & Recording in Courses

Live course sessions may use PTT or LiveKit for real-time instruction. These sessions may be recorded for playback by enrolled students. By enrolling in a course with live sessions:

• You acknowledge sessions may be recorded
• Recording consent is collected separately per Section 1.13 (Recording & Transcription Consent)
• You may decline recording and still attend live sessions (non-recorded)
• Recordings available to enrolled students for the course duration

ADA Accessibility & Transcription

• Course recordings may be automatically transcribed for ADA accessibility
• Transcriptions are AI-generated and may contain errors
• Students may request human-reviewed transcriptions for accessibility needs
• Contact support@secondstreetmusic.com for accessibility accommodations

Certificates

• Some courses offer completion certificates
• Certificates require completing all modules and passing assessments (if applicable)
• Certificates are issued by the instructor, not SSM
• SSM does not accredit courses; certificates are not academic credentials

Student Conduct

• Respect instructors and fellow students
• Do not disrupt live sessions
• Do not record sessions without consent (PA two-party consent law)
• Do not share course access credentials

Management Services

Scope

This section governs management services facilitated through the SSOS Platform. The Platform offers 8 types of one-time management bookings; it does not provide ongoing management representation.

Platform Role

SSM IS A FACILITATOR, NOT A MANAGER. The Platform connects artists/bands with management professionals for specific, one-time service bookings. SSM does not:

• Act as your manager or agent
• Make decisions on your behalf
• Negotiate contracts for you (except as a specific booked service)
• Take a percentage of your earnings outside of Platform service fees

Management Service Types

• Booking Agent Services: One-time assistance securing a specific performance
• Contract Review: Review of a specific contract or agreement
• Brand Consultation: One-time brand strategy session
• Tour Planning: Planning assistance for a specific tour or run of shows
• PR/Publicity: One-time press campaign for a release or event
• Social Media Strategy: One-time social media audit and strategy session
• Financial Advisory: One-time financial planning session for music income
• Career Coaching: One-time career development consultation

Booking & Payment

• Management services booked and paid through the Platform
• Standard service fee applies per the Fee Schedule (membership tier discounts available)
• Manager/consultant is an independent contractor (see Provider & Seller Agreement)
• Payment released to manager after session completion

Limitations

• Services are advisory only — you make all final decisions
• Manager/consultant has no authority to bind you to agreements
• Manager/consultant has no exclusive representation rights
• No ongoing obligations after the booked session concludes
• Confidential information shared during sessions remains confidential

Dispute Resolution

Disputes between artist and management professional follow the Platform's standard 3-tier dispute resolution process: informal resolution (30-day good faith period), then Platform mediation, then mandatory binding arbitration (AAA, Philadelphia PA). See Section 1.20 (Dispute Resolution & Arbitration).

Communication & Messaging

Scope

These terms govern all communications facilitated through the SSOS Platform, including in-platform messaging, PTT, email notifications, SMS (if applicable), and push notifications.

Message Types

#### Transactional Messages

• Booking confirmations, reminders, and updates
• Order status and shipping notifications
• Payment receipts and payout confirmations
• Account security alerts
• Policy update notices

You cannot opt out of transactional messages while maintaining an active account, as they are necessary for service delivery.

#### Marketing Messages

• Promotional offers and discounts
• New feature announcements
• Newsletter and content updates
• Partner offers

You can opt out of marketing messages at any time via account settings or unsubscribe links.

#### User-to-User Messages

• Direct messages between Platform users
• Booking/order-related communication between buyers and sellers
• Event-related communication between hosts, vendors, and attendees

CAN-SPAM Compliance

All marketing emails comply with the CAN-SPAM Act (15 U.S.C. § 7701):

• Clear identification as marketing/promotional
• Valid physical mailing address included
• Functional unsubscribe mechanism in every email
• Opt-out requests honored within 10 business days
• No deceptive subject lines or headers

SMS Communications (If Applicable)

If you opt in to SMS notifications:

• Standard message and data rates may apply
• Reply STOP to opt out at any time
• Reply HELP for support information
• Message frequency varies based on your activity
• We will not send SMS marketing without your explicit consent

Message Retention

• Platform messages retained for 3 years after last activity
• Messages included in data export requests
• Messages anonymized (not deleted) when account is deleted
• PTT recordings: see Section 1.13 (Recording & Transcription Consent)

Prohibited Communications

You may not use Platform messaging for:

• Spam, chain messages, or bulk unsolicited messages
• Harassment, threats, or abuse
• Phishing or deception
• Solicitation of off-platform transactions to circumvent fees
• Distribution of malware or malicious links
• Content that violates these Terms of Service

Blocking & Reporting

• You may block any user from sending you messages
• Blocked users cannot send you messages, PTT invitations, or booking requests
• Report abusive messages via the "Report" button on any message
• We will review reports using commercially reasonable efforts and take appropriate action

Recording & Transcription Consent

Pennsylvania Two-Party Consent Law

Pennsylvania is a two-party consent state (18 Pa.C.S. § 5703). It is a felony to intercept or record any oral, wire, or electronic communication without the consent of ALL parties to the communication. The SSOS Platform enforces this requirement.

What May Be Recorded

The Platform supports recording in these contexts:

• PTT (Push-to-Talk): Voice communication channels may be recorded by session host
• Course Sessions: Live instruction via LiveKit may be recorded by instructor
• Events: Live-streamed events may be recorded by organizer
• Consultations: Professional consultations may be recorded with mutual consent

How Consent Works

#### Before Recording Begins

• Session host/instructor must enable recording before the session starts
• All participants see a clear notification: "This session will be recorded"
• Each participant must explicitly click "I Consent to Recording" or "Leave Session"
• Recording does not begin until all active participants have consented
• Participants who do not consent are disconnected from the recorded session (they may rejoin non-recorded sessions)

#### During Recording

• A visible recording indicator is displayed at all times
• Participants joining mid-session see the consent prompt before audio connects
• Any participant may withdraw consent at any time by leaving the session

#### Transcription

• Recordings may be automatically transcribed using AI for ADA accessibility
• Transcription is a secondary use of recorded audio — your recording consent covers transcription
• Transcriptions stored alongside recordings with the same retention and access policies

Recording Storage & Retention

• Recordings stored securely with encryption at rest
• Default retention: 90 days after session (configurable by session host)
• Session host controls access to recordings
• Participants may request a copy of recordings they participated in
• Recordings deleted per the data retention schedule (Privacy Policy, Section 2.8) after retention period expires

Who Can Access Recordings

• Session Host/Instructor: Full access, download, and deletion rights
• Participants: View/listen access (download per host settings)
• Platform Admin: Access for dispute resolution and compliance only
• Third Parties: Never shared without participant consent or legal requirement

Your Rights

• You may decline recording and still use non-recorded PTT/sessions
• You may request deletion of recordings you participated in (host approval required)
• You may request a copy of your own recorded participation
• You may withdraw consent at any time by leaving the session

Studio Recording (Physical)

Recordings you create at SSM studios using studio equipment:

• You own all recordings you create
• SSM does not claim rights to your content
• SSM does not record studio rooms (audio or video)
• Security cameras in common areas only (see Privacy Policy)

Referral Program

Program Overview

The SSOS Referral Program rewards members who refer new users to the Platform. Both the referrer and the referred user receive benefits.

Eligibility

• Must have an active SSM account in good standing
• Must be 18+ years old
• SSM employees and their immediate family may participate unless restricted by employment terms
• Account must not be suspended or under review

How It Works

• Share your unique referral link or code (found in Account > Referral Program)
• New user signs up using your link/code
• New user completes qualifying action (first paid booking, purchase, or enrollment)
• Both referrer and referred user receive rewards

Rewards

Referral program details and rewards will be announced when the program launches. Check back for updates.

Limitations

• Maximum referral rewards per calendar year will be set when the program launches
• Self-referrals prohibited (referring your own alternate accounts)
• Bulk/mass referral methods (spam, purchased traffic) prohibited
• Referral codes may not be posted on coupon/deal sites without SSM approval
• SSM reserves the right to void rewards for suspected fraud

Fraud Prevention

We monitor for:

• Fake accounts created to earn referral rewards
• Referral code sharing on unauthorized platforms
• Patterns suggesting coordinated abuse

Fraudulent referrals result in: reward reversal, account suspension, and potential legal action.

Payout

• Rewards issued as promotional account credits (not cash)
• Promotional credits may have expiration dates and usage restrictions as specified at time of issuance
• No minimum payout threshold (credits usable immediately for eligible services)

Changes

SSM may modify or discontinue the referral program with 30 days' notice. Pending qualifying referrals will be honored under the terms in effect when the referral was made.

Insurance Disclosure

Purpose

This section explains the insurance coverages related to the SSOS Platform and SSM facilities.

SSM's Insurance Coverage

SSM maintains the following insurance:

• General Liability: Covers bodily injury and property damage at SSM facilities
• Bailee's Insurance: Covers consigned items in SSM's care, custody, and control (see Provider & Seller Agreement, Section 3.5, for limits)
• Commercial Property: Covers SSM-owned equipment and facility contents
• Cyber Liability: Covers data breach and cyber incident response

Additional Insurance Options

Insurance coverage options for event hosts and providers are being evaluated and will be announced when available.

What SSM's Insurance Does NOT Cover

SSM's insurance does not cover:

• Your personal property brought to SSM facilities (instruments, electronics, etc.)
• Injuries or damages arising from your own negligence
• Your business activities (you need your own business insurance)
• Events you organize (event liability insurance is your responsibility)
• Products you sell through the Marketplace

Recommended Insurance for Users

| Role | Recommended Coverage |
|------|---------------------|
| Studio users | Personal property/renter's insurance |
| Providers/instructors | General liability + professional liability |
| Event hosts | Event liability ($1M minimum) |
| Marketplace sellers | Product liability (physical goods) |
| Facility owners | Commercial property + general liability + cyber |

Claims Process

• SSM facility incidents: Report to staff immediately; file incident report; SSM will coordinate with insurer
• Consignment item damage: Report via Platform; SSM files bailee's claim
• Event incidents: Report to event host and facility; host files claim with their insurer

Facility & Event Waivers

Facilities and events on the Platform may require you to accept specific liability waivers before booking, purchasing tickets, or entering the premises. These waivers are configured by the facility owner or event organizer and may include:

• Facility waivers: Assumption of risk, construction/renovation notices, safety rules, property damage liability
• Event waivers: Event-specific rules, photo/video release, health and safety acknowledgments

You will be presented with any applicable waivers during the booking or checkout process. You must accept all required waivers before your booking or ticket purchase is confirmed. For walk-in guests, waivers will be presented on-site before entry.

Waivers are specific to each facility and event — accepting a waiver for one does not cover another. Facility owners and event organizers are responsible for the content of their waivers.

Facility Access

Scope

This section governs your access to SSM facilities, including buildings, studios, rehearsal spaces, and common areas. It applies to all access methods including physical keys, key codes, and TTLock smart lock access.

Access Methods

#### TTLock Smart Lock Access

• Digital access credentials provisioned to your SSOS account
• Access limited to your booked time slots (auto-lock at session end)
• Do not share access codes or credentials
• Report lost/stolen devices immediately

#### Physical Keys/Codes

• Issued at Facility's discretion
• Must be returned upon request or account termination
• Lost key replacement fee may apply

Facility Rules

• Access only during your booked time or authorized hours
• Do not allow unauthorized persons to enter
• Do not prop open locked doors
• Report security concerns immediately
• Follow all posted rules and staff instructions
• Respect quiet hours and neighbor noise ordinances

Equipment Use

• Use equipment only as intended and within your skill level
• Report equipment damage or malfunction immediately
• Do not remove equipment from the facility
• You are liable for damage caused by misuse or negligence
• Equipment damage charges billed to your account

Liability

• SSM is not liable for personal injury (except gross negligence)
• SSM is not liable for lost, stolen, or damaged personal property
• You assume risk inherent in music studio environments (heavy equipment, cables, electrical systems)
• You indemnify SSM for damages caused by your actions or negligence

Insurance

SSM maintains general liability insurance for its facilities. However, SSM recommends you carry your own renter's/personal property insurance for items you bring to the facility.

Termination of Access

Access may be revoked for:

• Violation of this Agreement or facility rules
• Account termination
• Facility closure or renovation
• Safety concerns

Fees & Payment

Accepted Payment Methods

• Credit/debit cards via Stripe
• Account credits (where applicable per Section 1.6)

Service Fees

The Platform charges service fees on bookings, marketplace transactions, event tickets, and gig network placements. Fee rates vary by service type and membership tier. Membership tier discounts reduce applicable fees — higher tiers receive greater discounts.

• Booking service fee: Applied on top of the provider's net rate. Provider always receives their full rate. Membership tier discounts reduce the buyer's fee.
• Marketplace commissions: Vary by product type and fulfillment model (see Provider & Seller Agreement)
• Event ticket fees: Applied to the organizer's net ticket price (see Section 1.8)
• Gig network fees: Tiered by poster type and volume (see Section 1.9)

All applicable fees and their amounts are clearly disclosed at checkout before you complete any transaction. Current fee rates are available in the Platform's Fee Schedule, accessible during onboarding and in your account dashboard.

Stripe Connect

• Sellers, providers, and event organizers are paid via Stripe Connect
• You must maintain a valid Stripe Connect account to receive payouts
• Stripe's terms of service apply to all payment processing

Membership Tiers

• Community (Free): Basic access to booking and marketplace browsing
• Basic: Reduced service fees, expanded storage, additional features
• Plus: Further fee reductions, priority booking, enhanced features
• Pro: Maximum fee discounts, unlimited features, priority support

Tier benefits, pricing, and availability subject to change with 30 days' notice to existing subscribers.

User Content & Conduct

Your Content

• You retain ownership of Content you create and submit
• You grant SSM a non-exclusive, worldwide, royalty-free license to display, distribute, and promote your Content on the Platform
• You represent that you have all necessary rights to submit Content
• You are solely responsible for your Content

Prohibited Content & Conduct

• Illegal activities or content
• Harassment, hate speech, threats, or discrimination
• Spam, phishing, or deceptive practices
• Unauthorized recording of others (PA is a two-party consent state)
• Intellectual property infringement (including copyright, trademark, and counterfeit goods)
• Sharing of others' personal information without consent
• Circumventing Platform fees or safety measures
• Creating fake accounts, reviews, or listings
• Unauthorized subletting or reselling of bookings

Content Moderation

We reserve the right to remove Content that violates these Terms without notice. Repeat violations may result in feature-specific restrictions or account suspension per our Copyright & Intellectual Property Policy.

Dispute Resolution & Arbitration

Informal Resolution Required

Before initiating any formal dispute proceeding, you must first contact us at support@secondstreetmusic.com. We will use commercially reasonable efforts to respond within 5 business days. Both parties must engage in good faith informal resolution for a minimum of 30 days before proceeding to arbitration.

Platform Mediation

For disputes between Platform users (buyer/seller, host/attendee, provider/client, etc.), we offer internal mediation. Platform administrators will review evidence from both parties and issue a binding decision on Platform-specific matters (refunds, credits, account restrictions, strikes). We may hold funds in escrow pending resolution. Administrative review completed using commercially reasonable efforts, typically within 10 business days.

Mandatory Binding Arbitration

Disputes not resolved through informal resolution shall be settled by mandatory binding arbitration administered by the American Arbitration Association ("AAA") under the Consumer Arbitration Rules. Arbitration shall take place in Philadelphia, Pennsylvania, or virtually at your election. Pennsylvania law governs all disputes.

For claims under $10,000, SSM will pay all arbitration filing and administration fees. For claims over $10,000, fees are split per AAA rules.

Small Claims Exception

Either party may opt to bring claims in the magisterial district court of Philadelphia County, Pennsylvania, for disputes within the court's jurisdictional limit (currently $12,000).

Class Action Waiver

YOU AGREE TO RESOLVE DISPUTES ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE ARBITRATION.

Statute of Limitations

Any claim arising from or relating to these Terms or your use of the Platform must be filed within one (1) year of the date the claim arose. Claims filed after this period are permanently barred.

Intellectual Property Exception

Claims relating to intellectual property infringement (copyright, trademark, trade secret) are not subject to mandatory arbitration and may be brought in any court of competent jurisdiction.

Limitation of Liability & Disclaimers

Platform "As Is"

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SSM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST GIGS, LOST REVENUE, OR EMOTIONAL DISTRESS. OUR TOTAL LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE FEES PAID BY YOU TO SSM IN THE 12 MONTHS PRECEDING THE CLAIM.

Indemnification

You agree to indemnify and hold harmless SSM, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Platform, your Content, your violation of these Terms, or your infringement of any third-party rights.

Force Majeure

Neither party shall be liable for failure to perform obligations due to events beyond reasonable control, including natural disasters, pandemics, government actions, strikes, power failures, or internet outages.

Termination

By You

You may close your account at any time. Outstanding account credits subject to Section 1.6 (Credits). Outstanding bookings honored or canceled per Section 1.5 (Cancellation & Refunds).

By SSM

We may terminate your account for violation of Terms, fraudulent activity, abusive behavior, or excessive policy violations. Upon termination: access revoked, future bookings canceled. Outstanding account credits representing refund compensation will be paid out as a final cash refund upon request — credits owed to you are never forfeited due to account termination.

Changes to Terms

• Material changes posted 30 days in advance
• Notice via email and in-platform banner
• Continued use after effective date constitutes acceptance
• For significant changes requiring re-acceptance, a blocking modal will prompt you to review and accept updated terms upon your next login

Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania. Venue: Philadelphia County, Pennsylvania.

General Provisions

• Entire Agreement: These Terms, together with all referenced policies and agreements, constitute the entire agreement.
• Severability: If any provision is found invalid or unenforceable, that provision is severed; the remainder remains enforceable.
• No Waiver: Failure to enforce does not waive future enforcement.
• Assignment: You may not assign. We may assign to successor or affiliate.

Related Policies & Agreements

These Terms incorporate by reference:

• Privacy Policy
• Provider & Seller Agreement
• Copyright & Intellectual Property Policy
• Accessibility Statement

Contact Us

Second Street Music
1954 N 2nd St
Philadelphia, PA 19122
Email: support@secondstreetmusic.com
Or use our contact form

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Last Updated: March 9, 2026 | Version: 3.0