Expert Agreement
Independent Professional Terms
Last updated: June 23, 2026 · Current subscription catalog revision 4
1. Independent professional status
Each expert acknowledges that they are an independent professional and not an employee, agent, partner, representative, franchisee, joint venturer, or contractor of Ownlybiz for service delivery purposes. Experts are solely responsible for their services, client outcomes, qualifications, licenses, insurance, taxes, records, disclosures, legal compliance, and professional conduct.
2. Expert responsibility for clients
Experts are responsible for all advice, statements, deliverables, claims, pricing, refunds, disputes, chargebacks, and services they provide. Ownlybiz does not guarantee clients, revenue, leads, bookings, outcomes, ratings, search placement, email opens, delivery, uninterrupted availability, video/audio quality, checkout availability, payout timing, or payment processor decisions. Experts should keep reasonable backup records and client communication procedures for their own business.
3. Regulated and high-risk services
Experts must not provide regulated medical, legal, financial, tax, investment, therapy, immigration, insurance, or similar professional services unless properly licensed, authorized, insured, and legally permitted in every applicable jurisdiction. Experts must not misrepresent credentials or outcomes.
4. Indemnity and recovery
Experts agree to defend, indemnify, and hold Ownlybiz harmless from claims, losses, processor fees, refunds, chargebacks, penalties, legal costs, and damages arising from their services, content, client relationships, legal violations, prohibited services, taxes, or breach of these terms. Ownlybiz may offset or recover amounts connected to expert-caused disputes, chargebacks, refunds, fraud, or policy violations.
5. Client data and GDPR duties
Experts must handle client personal data lawfully, securely, and only for appropriate service purposes. Where an expert acts as a controller, the expert is responsible for lawful basis, notices, retention, data-subject requests, breach obligations, and any required agreements or records.
6. No prohibited circumvention
Experts may not use Ownlybiz to evade processor rules, manipulate free minutes, create fake sessions, inflate revenue, bypass fees, deceive clients, or move disputes off-platform to avoid records.
Launch — Pay as you earn
No monthly software subscription. 19% on the first $1,000, 12% on the next $4,000, 8% on the portion above $5,000. Bands apply separately to each portion of captured client revenue after discounts in each UTC calendar month. Stripe processing and other applicable Stripe charges are paid by the expert separately. Refunds adjust the original payment month; other settled payments keep their saved fees. Promotions up to 50%. Discounts from prepaid credit and session promotions together cannot exceed 50%. The final paid rate after all discounts must be at least $1/minute, before fees. Eligible AI tools use purchased credits only; no included AI allowance. Account approval and payment setup remain required.
Software subscriptions and payment services
Start with 2 calendar months without a software subscription charge. A payment method is required. Cancel before your trial ends to avoid the first subscription charge. The trial is available once; plan changes do not restart it. Checkout confirms the exact first-charge date and recurring amount. Annual billing covers twelve months. Included usage follows the published paid and trial allowances for the selected plan. Purchased credits are separate and subject to eligibility.
1.6% per successful payment is the Ownlybiz service fee for US businesses accepting supported client payments in USD. Stripe deducts its actual processing, currency-conversion and other applicable charges from the expert’s connected account separately; processing is not included. Payment fees apply during the software trial. Currently eligible business locations: Australia, Canada, United Kingdom, United States. Payment terms depend on your business country; confirm them during signup. Australia: Ownlybiz service fee: 1.6% per successful client payment. Canada: Ownlybiz service fee: 1.6% per successful client payment. United Kingdom: Ownlybiz service fee: 1.6% per successful client payment. Under international direct-payment terms, client payments are in USD. The published Ownlybiz service fee excludes Stripe’s actual processing, currency conversion and other applicable Stripe charges, which the expert pays separately. Country and account eligibility remain required; subscription billing is separate. Accepted payment commitments retain their saved fee terms.
1:1 voice and video have no monthly minute limit under the current plans. Individual sessions remain subject to duration, access, payment and operational safeguards. Paid, free, promotional and discounted group sessions consume the applicable group allowance, as do sessions under an explicit finite 1:1 override. The dashboard shows applicable limits and remaining usage. Unused included allowances do not accumulate. There is no automatic overage billing. Existing paid obligations and separately agreed complimentary access remain subject to their own terms.
