Policies

Last updated: September 2025 Overview

This Cookie Policy supplements the Terms of Service and Privacy Policy for Stablemate. Any terms defined in those documents carry the same meaning here. This Policy explains how Stablemate uses cookies and other tracking technologies to operate the service and how you can manage or disable certain types of tracking.

Cookie:

A small text file with an identifier that we send to your computer or mobile device, which your browser then stores. “Session” cookies are temporary and disappear when you close your browser. “Persistent” cookies stay until they expire or are manually deleted. Cookies typically do not contain personal information, but they may be linked to data we hold about you, such as remembering that you are logged in. To learn more about cookies, you can visit an educational site such as allaboutcookies.org.

Local Storage:

Part of your browser’s web storage. Like cookies, it allows websites to store information in your browser, even after you close a tab or the browser itself. Unlike cookies, data in local storage is not automatically sent to the server unless the webpage specifically does so. We may use local storage to remember your preferences or improve performance. Any data stored in your browser that is later sent to our servers is covered by this policy.

Managing Cookies and Local Storage:

Your browser allows you to block or delete cookies and clear stored data. If you do, some features of our website may not work correctly or your experience may be limited.

How We Use Cookies and Local Storage:

Stablemate uses cookies and local storage across the web platform, including its subpages. These tools help us create a secure, personalized, and efficient experience for all members. Most browsers that access our services will receive cookies from us. The types of cookies we use may evolve, but in general they serve the following purposes:

• Operations and Functionality: Some cookies are necessary for our services to work properly.
• Authentication: We use session cookies to maintain an authenticated member session as the member moves through the platform. Browser storage may retain non-secret interface preferences where implemented.
• Payment Processing, Fraud Prevention and Detection: Cookies help us detect unusual activity and prevent fraud. They also assist with secure and smooth payment processing through our provider, Stripe Inc. (“Stripe”).
• Approved Integrations: Provider cookies may support features such as payment processing only when that provider is enabled for the deployed service. Stablemate does not currently identify a separate analytics-cookie provider in this public report.
• Service Communications: Cookies may help us measure delivery of account notices and other service communications. Stablemate does not use targeted advertising or sell advertising space in the service.

Other Technologies Used with Cookies:

• Provider Technology: An enabled provider may use cookies or similar browser technologies for its approved service, security, fraud-prevention, or payment purpose. Current material providers and their roles are identified in the Sub-Processor Report.

How to Manage Cookies:

Your browser gives you control over your cookie preferences, including disabling or deleting Stablemate cookies. Disabling cookies may limit the functionality of some features. Helpful resources:

Last updated: August 2026

Stablemate and Steady Flow, LLC are not represented as currently certified under the EU-U.S. Data Privacy Framework, the UK Extension, or the Swiss-U.S. Data Privacy Framework. A search of the official participant list did not establish a current Stablemate or Steady Flow certification.

Stablemate may pursue certification in the future. Until an official active listing exists, Stablemate will not claim adherence to the Framework Principles, access to a Framework dispute-resolution program, or participation-based transfer authority.

Any transfer of personal data from the EEA, United Kingdom, or Switzerland must instead rely on an independently valid legal basis and transfer safeguard, such as applicable Standard Contractual Clauses, a UK addendum, adequacy, or another mechanism confirmed for the actual processing relationship. International service availability remains future and country-specific.

Official directory: Data Privacy Framework List. Questions may be sent to support@stablemate.app.

Last updated: September 2025

The General Data Protection Regulation (GDPR) may apply to users of our web platform who reside in the European Union (EU) or the European Economic Area (EEA), which includes the EU, Iceland, Liechtenstein, and Norway. This law sets out a framework of rights governing how personal data is collected, processed, transferred, and protected. Steady Flow, LLC, doing business as Stablemate (“Stablemate,” “we,” “us”), is committed to taking reasonable steps to protect personal data and comply with applicable requirements. The scope and wording of this notice require qualified legal review before production release.

We follow the GDPR’s seven core principles and implement additional safeguards to protect member data while providing a safe, intelligent, and community-driven platform.

GDPR’s Seven Key Principles:

1. Lawfulness, fairness, and transparency
2. Purpose limitation
3. Data minimization
4. Accuracy
5. Storage limitation
6. Integrity and confidentiality (security)
7. Accountability

These principles are at the core of our approach to processing and protecting personal data.

Legal Basis

Under the GDPR, Stablemate must establish a legal basis for collecting personal data from EU and EEA residents. The legal basis varies depending on the context in which we collect and use data. Our processing activities typically fall into one or more of the following categories:

• Necessary for the performance of a contract
• Necessary to protect vital interests of the data subject or another person
• Legitimate interest in understanding website usage
• Legitimate interest in supporting business operations
• Legitimate interest in ensuring cybersecurity
• Legitimate interest in fulfilling legal obligations and protecting legal rights
• Consent provided by the member

International Transfers

Personal data you provide may be transferred and stored in the United States. Where a transfer safeguard is required, Stablemate must establish an independently valid mechanism for the actual processing relationship, such as applicable Standard Contractual Clauses and any required UK addendum. Stablemate does not currently claim Data Privacy Framework certification.

Data Retention

We retain personal data only as long as necessary to fulfill the purposes outlined in our privacy policies and to comply with legal obligations. Even if you exercise privacy rights, we may retain certain data for legal, research, or public interest purposes, or to establish or defend legal claims.

Your Rights

As a Stablemate member in the EU or EEA, you are entitled to the following rights under the GDPR:

• The right to be informed about data collection and use
• The right to object to data processing
• The right to correct inaccurate or incomplete data
• The right to request data deletion
• The right to restrict data processing
• The right to data portability
• The right to withdraw consent at any time
• The right to object to automated decision-making
• The right to lodge a complaint with a supervisory authority

Some rights may be subject to exceptions. For assistance, contact us at support@stablemate.app. We respond to verified requests within GDPR timelines.

Stablemate maintains tailored privacy notices for specific member groups:

• Web platform users and members
• Employees, contractors, and job applicants
• Visitors
• Partners and suppliers
• Donors and sponsors
• Educational or professional program participants
• Local or international organizations and institutions

What Stablemate Is Doing to Comply with the GDPR

We have strengthened technical and organizational controls in the following areas:

Data Subject Rights

We revised policies and member-facing pages to explain clearly how personal data is collected, processed, and shared. With member consent and respect for privacy, we share personal data only with GDPR-compliant service providers and sub-processors necessary to deliver our services.

Sub-processor Service and Headquarters

• Stripe: annual membership and enabled payment-processing infrastructure (USA)
• Google Maps Platform, when enabled: location lookup, Places, and mapping functions (USA)
• Twilio, when enabled: meeting and Forum voice/video communication infrastructure (USA)

Stablemate honors data access, portability, and deletion requests. Members can request access to, correction of, or deletion of their personal data, and may export it in a machine-readable format.

Data Protection by Design and Default

Privacy is embedded into new features from the start. We track where and how personal data is processed to ensure visibility and member control. We process only the personal data necessary to operate the platform. After the purpose ends, data is deleted or pseudonymized.

Data Minimization

We collect only the data necessary for specific processing activities and remove it when no longer required.

Security of Processing

We implement layered security, access controls, monitoring tools, audit trails, and role-based authorizations to safeguard data and minimize exposure.

Data Mapping

We conduct ongoing data mapping to understand data flow and processor responsibilities, and to ensure all sub-processors comply with GDPR standards.

How to Submit a Data Subject Request

Online Data Subject Rights tools are not currently promised. Members may contact Support or use available account controls. Requests for access, correction, or deletion will be authenticated, documented, and handled within the time required by the law that actually applies.

Data Breach

In the event of a personal data breach, Stablemate will notify the relevant supervisory authority without undue delay and, where feasible, within 72 hours. When a breach is likely to result in a high risk to individuals, we will notify affected members without undue delay.

Questions about this GDPR Notice may be sent to support@stablemate.app. Include your full name, email address, and inquiry. Response timing and escalation depend on the request, staffing, and applicable law; no fixed response time or human-only routing is promised.

Last updated: September 2025

Restricted Businesses: The following types of businesses and business practices are not permitted to use the Stablemate web platform (“Services”) or any associated third-party providers (“Providers” or “Partners”). These are collectively referred to as “Restricted Businesses.” Restrictions may arise from network rules or requirements set by our financial service providers. In limited cases, certain Restricted Businesses may become eligible to use our Services with prior written approval from Stablemate and its providers.

All Stablemate members must be at least 18 years old and must also meet any higher minimum age required by applicable law. A high-school diploma is not required. Members are prohibited from engaging in or promoting illegal activity through the platform. The Legal Center is publicly available before account creation.

Please Note: Businesses offering illegal products or services, or engaging in unlawful activity, are strictly prohibited from using Stablemate. The categories listed below are representative, not exhaustive. If you are unsure whether your business qualifies as restricted, please contact us for clarification.

By registering, you confirm that you will not use the Services to accept payments or conduct activity related to the following types of businesses or practices without prior written approval from Stablemate and its service providers.

Financial and Professional Services

• Securities brokerage
• Mortgage or debt relief services
• Crowdfunding platforms
• Insurance sales
• Law firms holding client funds
• Cryptocurrency wallets and exchanges
• Sale of digital currencies (such as Bitcoin)

IP Infringement, Regulated or Illegal Products and Services

• Online casinos
• Unauthorized streaming platforms
• Counterfeit fashion or unauthorized goods
• Firearm sales
• E-cigarettes
• Prescription drug sites or unlicensed pharmaceuticals
• Pornography
• Escort services
• Explosives or weapons

Unfair, Predatory, or Deceptive Practices

• Get-rich-quick schemes
• Pay-to-remove mugshot services
• No-value-added resales of government services
• Unlicensed fund aggregation
• High-risk services (such as psychic readings)
• Chain letters
• Extended warranties with misleading claims

Other Prohibited Areas

• Multi-level marketing and pyramid schemes
• Pseudo-pharmaceuticals
• Social media manipulation services
• Substances that mimic illegal drugs
• Unlicensed sales of in-game currency
• Misuse of the Stablemate platform (including card testing, chargeback evasion, unauthorized payment processing)

High-Risk or Sanctioned Regions

Businesses that operate from, or sell to, internationally recognized high-risk or sanctioned jurisdictions (including but not limited to those designated by the Office of Foreign Assets Control (OFAC), the European Union (EU), the United Kingdom (UK), or the United Nations) or entities on official restricted person lists may be restricted from using Stablemate or its payment processing services, unless expressly permitted with prior written approval.

Stablemate accounts are issued to individual members. If a member uses Stablemate for business-related activity, the member confirms that neither Stripe nor Stablemate services will be used for any activity listed in this policy. This includes any product or service that infringes the intellectual property (“IP”) rights of others. If you are an IP rights holder who believes your rights are being violated through Stablemate, you may submit an IP Notice by emailing legal@stablemate.app or mailing your request to:

Steady Flow D/B/A Stablemate

Attn: Legal Division

7014 13th Ave, Suite #202

Brooklyn, NY 11228

Upon receiving a complete IP Notice, we will investigate the claim and may take appropriate action, including removing infringing profiles or terminating access to our Services. Your submitted notice may be shared with the party allegedly responsible as part of our investigation.

If you have questions about our Restricted Businesses Policy, please include your full name, email, and concern. The inquiry will be documented and routed under the applicable support, payment-provider, and compliance process. No fixed response time or human-only routing is promised.

Last updated: September 2025

To help deliver its Services, Stablemate may engage third-party service providers to support data processing activities. When these providers assist us in our role as a data processor, they are referred to as sub-processors (“Sub-processors”).

This report is limited to direct service relationships evidenced by the Stablemate source. Contract terms, transfer mechanisms, and production activation must be confirmed by the authorized records owner before a provider-specific assurance is claimed.

Current Sub-processors – Services and Headquarters

• Stripe: Annual membership billing and provider-gated meeting or Forum payment infrastructure. Stablemate does not rely on Stripe participation to claim its own Data Privacy Framework certification.
• Twilio, when enabled: Meeting and Forum voice/video communication infrastructure. Twilio does not define Stablemate identity, authorization, payment, attendance, or settlement.
• Google Maps Platform, when enabled: Location lookup, Places, and mapping functions used by in-person meeting surfaces.

Material provider changes will be reflected here and notice will be provided when required by an executed agreement or applicable law. This page does not invent a universal advance-notice period.

If you have a question about this Sub-Processor Report, please include your full name, primary email, and inquiry. The request will be documented and routed according to its privacy and contractual significance; no fixed response time is promised.

Last updated: September 2025

This website is operated by Steady Flow, LLC (hereinafter referred to as “Stablemate”). By registering for or using the Services—including browsing the website or installing or using any software provided by Stablemate—you agree to be bound by these Terms of Service, our Privacy Policy, and any other referenced policies (collectively, the “Terms”). Stablemate may revise the Terms by posting an updated version with a new effective date. These updates take effect immediately. If material changes are made, members will be notified through the Services or via email. Continued use of the Services after such changes constitutes acceptance of the revised Terms.

All visitors and members of the Services are referred to collectively as “you” or “members.” Stablemate may be referred to as “Stablemate,” “we,” “us,” or “our.”

USE OF THE SERVICES

By using our Services, you represent that you are legally entitled to enter these Terms, are at least 18 years old, and have authority and capacity to comply with them. A higher age may apply where required by law. A high-school diploma is not required. Members may use the Services for eligible paid or unpaid meetings and host-paid Forums as permitted by these Terms and applicable law.

Stablemate provides a membership platform where members may arrange in-person, phone, or video meetings with each other (“Meetings”). We do not supervise Meetings and are not a party to the agreement between members. Identity verification is not a background check and does not guarantee a member's conduct, qualifications, or safety. You are responsible for determining whether a Meeting is suitable and safe.

A verified member may act as seeker, provider, Forum host, or attendee according to context. These are not separate account types. The provider sets any Meeting Fee. Stablemate takes no commission or percentage of provider earnings.

The current intended launch scope is the United States only. International availability is future and country-specific and requires separate payment, tax, privacy, accessibility, provider, operating, and legal approval.

Stablemate reserves the right to refuse the use of the Services to anyone and to suspend, discontinue, cancel, or remove any member at any time and for any reason without liability. Stablemate will notify members of any such suspension, discontinuance, cancellation, or removal.

Members may be required to register with third-party service providers, such as payment processing providers, in order to access or use the Services. While Stablemate may support you in your use of and registration with these third-party services, any agreements or dealings with third-party providers are independent and Stablemate is not a party to these agreements. Members agree that Stablemate may exchange any information with such third-party service providers in accordance with our Privacy Policy.

PRIVACY

Stablemate understands that members may provide personal information, and we take the privacy of our members seriously. Please find a current version of Stablemate’s Privacy Policy by clicking on Privacy Policy.

The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers obtain parental consent before they knowingly collect personally identifiable information online from children who are under the age of 13. We do not knowingly collect or solicit personally identifiable information from children under the age of 13. If you are a child under the age of 13, please do not attempt to register for the Services or send any personal information about yourself to us. If we learn that we have collected personal information from a child under 13 years of age, we will immediately delete that information and deactivate any accounts. If you believe a child under the age of 13 may have provided us with personal information, please contact us at: support@stablemate.app

MEMBER REGISTRATION AND ACCOUNTS

In order to access and use the Services, members are required to register for a Stablemate account. If you choose to register, you agree to provide and maintain truthful, accurate, current, and complete identifying information. This information may include names, contact information, and payment information. The collection of such identifying information is governed by Stablemate’s Privacy Policy. If any of your registration information is false, inaccurate, or incomplete, Stablemate reserves the right, in its sole discretion, to terminate your account immediately. Stablemate also reserves the right to reject any application for registration within its sole discretion and has no obligation to disclose the reason for rejecting the application.

Members are responsible for maintaining the confidentiality of their accounts, including their usernames and passwords. You agree to immediately notify Stablemate of any unauthorized use of your account or other breach of security. Notification of breaches should be sent to us at: support@stablemate.app

By registering with Stablemate, you opt into receiving notifications and communications from Stablemate, which may include e-mails related to changes to the Services. If you wish to stop receiving this material, you may unsubscribe at any time by following the instructions in your e-mail. Please note that even if you unsubscribe from receiving such notifications, you will still receive e-mails containing notices required by law. Opting out of receiving messages from us may result in missed notifications and prompts, which if not acted upon, may affect your Services. Stablemate is not responsible for any outcome resulting from a member’s failure to respond to a prompt.

Members have 30 days after the paid signup workflow to complete verification. Active participation remains gated pending approval. If verification is not completed by the deadline, the account closes and the source calculates the unused prepaid portion from the actual annual period. Exceptions, disputes, appeals, and refund questions are subject to administrative review. Stablemate does not promise a 24-hour or 48-hour verification result.

Members may update, correct, close, or deactivate their accounts through Settings. An eligible person may later request reactivation or a fresh start, but Stablemate preserves the canonical identity and relevant sanctions, fraud, chargeback, safety, and dispute records. An alias or duplicate account cannot bypass those records. Personal-data deletion requests remain subject to financial, safety, dispute, backup, and legal retention requirements.

MODIFICATION, SUSPENSION OR DISCONTINUANCE OF SERVICES

Stablemate reserves the right to modify, suspend or discontinue the Services to members (or any part thereof), either temporarily or permanently. In accordance with this provision, Stablemate will attempt to notify members of any such modification, suspension, or discontinuance. To the extent permitted by law, members agree that Stablemate will not be liable for any modification, suspension, or discontinuance of the Services in accordance with these Terms of Service.

PLATFORM SERVICES ONLY

Stablemate is an administrative platform only. Stablemate simply facilitates the communication and transaction between members but is not a party to any agreement between members. Stablemate has no control over the conduct of, or any information provided by its members, and Stablemate hereby disclaims all liability in this regard to the fullest extent permitted by applicable law.

SERVICE GUIDELINES AND RESTRICTIONS

By using the Services and any other related features, members agree to the service guidelines and restrictions. Abuses of the service guidelines and restrictions are not tolerable, and Stablemate reserves the right to suspend or terminate members’ accounts indefinitely and permanently upon notice of such abuses. Stablemate will use reasonable efforts to ensure the safe, legal, and moral use of its Services.

The following non-exhaustive list includes those actions, which are required or strictly prohibited:

• You may receive authorized assistance with Stablemate, but you must not share your password or access code, transfer the account, or allow another person to impersonate you. No formal delegated-account authority is currently promised.
• You agree to comply with all applicable state, federal, and local laws while using the Services.
• You may only access the Services using authorized means and it is your responsibility to ensure that you have downloaded the correct software for your device. Stablemate is not liable if you do not have a compatible handset or if you have downloaded the wrong version of the Services, and Stablemate reserves the right to terminate these Terms should you be using the Services with an incompatible or unauthorized device.
• Your account is personal to you and may not be transferred or shared. Professional or business-related activity is permitted only within Stablemate's published product rules and the member's independent licensing, privacy, tax, contractual, and legal responsibilities.
• You will not use the Services for any fraudulent, misleading, inaccurate, or dishonest purposes.
• You will not use the Services to cause nuisance, annoyance, or inconvenience.
• You will not impair the proper operation of the Services.
• You will not try to harm the Services in any way whatsoever.
• You will not copy or distribute the Services without the prior written consent of Stablemate.
• You will keep your account username and password secure and confidential.
• You will provide us with whatever proof of identity we may reasonably request.
• You will not license, sub-license, sell, resell, transfer, assign, distribute, or otherwise commercially exploit or make available to any third party the Services in any way.
• You will not modify or make derivative works based upon the Services.
• You will not create Internet “links” to the Services or “frame” or “mirror” any software on any other server or wireless or Internet-based device.
• You will not (except as permitted by applicable law) reverse engineer or access the Services in order to build a competitive product or service, build a product using similar ideas, features, functions, or graphics of the Services, or copy any ideas, features, functions or graphics of the Services.
• You will not launch an automated program or script, including, but not limited to, web spiders, bots, viruses or worms, or any program, which may make multiple server requests per second, or unduly burdens or hinders the operation and/or performance of the Services.
• You will not send spam or otherwise duplicative or unsolicited messages in violation of applicable laws through the Services.
• You will not send or store through or on the Services infringing, obscene, offensive, threatening, libelous, or otherwise unlawful or tortious material, including material harmful to children or in violation of third-party intellectual property or privacy rights.
• You will not send or store through or on the Services material containing software viruses, worms, Trojan horses, or other harmful computer code, files, scripts, agents, or programs.
• You will not interfere with or disrupt the integrity or performance of the Services or the data contained therein.
• You will not attempt to gain unauthorized access to the Services or its related systems or networks.
• You will not use the Services to promote violence, discrimination, humiliation, or hatred against any individuals or groups based on race, ethnic origin, religion, disability, gender, age, veteran status, sexual orientation, or gender identity.

STABLEMATE’S INTELLECTUAL PROPERTY

Members acknowledge and agree that the Services may contain content or features that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Unless expressly authorized by Stablemate, members agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works of the Service content or features. If Stablemate blocks any member from accessing the Services, members agree not to implement any measures that circumvent the blocking. Any use of the Services or its features other than as specifically authorized herein is strictly prohibited. Members also agree not to copy, modify, create derivatives, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer Stablemate’s software. Any and all rights not expressly granted are herein reserved by Stablemate. Members are prohibited from using any visual element that constitutes an endorsement by Stablemate without their prior consent.

The Stablemate name and logo are trademarks and service marks of Stablemate. Nothing contained in these Terms of Use or the Services constitutes as granting, by implication, estoppel, or otherwise, any license or right to use any of the Stablemate trademarks, without its prior written consent. Any and all goodwill that is generated from using Stablemate’s trademarks will inure to Stablemate’s exclusive benefit.

PAYMENT AND FEES

Stablemate membership costs $60 USD per year. If the member authorizes recurring billing and a saved payment method remains available, Stripe may charge the next annual term until future renewal is canceled. Any future price change must be disclosed before it applies. Stablemate does not promise a renewal-notice period beyond the checkout, account controls, executed agreement, and applicable law.

Stablemate takes no commission from a Meeting Fee. For an ordinary paid meeting, applicable third-party costs are allocated between seeker and provider as disclosed at confirmation. For a fully gratis provider offer, the seeker bears applicable third-party costs. Seeker-caused cross-border, currency-conversion, and chargeback costs are borne by the seeker. The actual authorization, transaction, and ledger records control.

For a Forum, the host pays Stablemate the disclosed estimate, deposit, and final verified usage amount. Member attendees and authorized Forum-scoped guests pay Stablemate nothing to attend. Forum check-in alone does not establish billable participation; the authoritative participation and settlement records control.

Used membership periods are not refundable. An unused prepaid portion may be refunded after administrative review using the remaining time in the paid annual term rather than a fixed maximum. Meeting refunds and adjustments follow the authoritative meeting, payment, dispute, and ledger records.

When a seeker no-show is confirmed after evidence review, provider compensation is 25% of the scheduled meeting value. A confirmed provider no-show produces no provider payout. Stablemate takes no commission from either outcome.

An eligible verified member may pay to host a Forum. Attendees pay Stablemate nothing. Check-in alone is not billable participation; the authoritative participation and settlement records govern the host amount.

PAYMENT PROCESSING SERVICES

Credit card payment processing services on Stablemate are provided by Stripe, Inc. (“Stripe”) and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Services (collectively, the “Stripe Services Agreement”). Members agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time.

As a condition to using these credit card payment processing services through Stablemate, members agree to provide Stablemate with accurate and complete information about themselves and also authorize Stablemate to share any such information with Stripe, as well as transaction information related to the use of the payment processing services provided by Stripe. Stablemate reserves the right, within its sole discretion, to terminate a member’s account for failure to meet Stripe’s requirements for verification of identity, bank account requirements, or for any alleged breach of the Stripe Services Agreement.

Provider payouts and optional Instant Payout remain externally provider-gated. Standard timing is controlled by Stripe, the connected account, country, risk review, and bank, and is not guaranteed by Stablemate. Instant Payout may be offered only to eligible accounts when enabled; the provider bears Stripe’s disclosed fee.

TAX INFORMATION

Stablemate is responsible for its own taxes. Members are responsible for their own tax obligations. Taxability is separate from whether an information return is issued. For payments made in 2026, the federal Form 1099-NEC threshold is generally $2,000 for covered nonemployee compensation, while the federal third-party-network Form 1099-K threshold is generally more than $20,000 and more than 200 transactions. A form may be issued below those levels and state rules may differ. The filer and form depend on the payment relationship and current law. Stablemate does not provide individual tax advice.

REFERRALS

Referral-code mutation and referral payouts are retired from the current Stablemate contract. A legacy code or historical reference is not a promise of attribution, reward, waiver, or payment.

MOBILE COMMUNICATIONS

Stablemate is currently a web platform that may be accessed through a supported mobile browser. Device capabilities, including location or communication permissions, are used only when an implemented feature requests them and the member authorizes access. Wireless carrier charges and data rates may apply. Stablemate does not currently offer a native mobile application or promise that every browser feature works on every carrier or device.

UNSOLICITED MATERIALS AND SUBMISSIONS

Any unsolicited materials or submissions received by Stablemate will be discarded and/or returned to the sender. Stablemate will have no express or implied obligation or liability of any kind concerning the submissions, including, the use or disclosure of the submissions. Stablemate and its members are entitled to unrestricted use or disclosure of the submissions for any purpose whatsoever, all without compensation to the member that submitted the submission.

INTERNET DELAYS, INTERRUPTIONS AND OUTAGES

Stablemate’s Services may be subject to limitations, delays, interruptions, outages, and other problems inherent in the use of the Internet and electronic communications. Stablemate is not responsible or liable for any delays, delivery failures, or other damages resulting from such problems. Stablemate is also not responsible or liable for any outages caused by third parties that help us store and facilitate the transmission of messages between members. Use of the Services is at a member’s own risk.

INDEMNITY

Members agree to indemnify, release, defend, and hold harmless Stablemate, its subsidiaries, and any affiliated companies, and its members, officers, directors, employees, contractors, and agents from any and all claims, causes of action, damages, obligations, losses, liabilities, costs or debt, and expenses, including attorneys’ fees and costs, and all amounts paid in a settlement arising from or relating to the use of the Services, breach of these Terms or the violation of any laws.

Disclaimer of Warranties

SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE OR COURSE OF PERFORMANCE.

LIMITATION OF LIABILITY

STABLEMATE, INCLUDING ITS AFFILIATES, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUBCONTRACTORS, OR LICENSORS, IS NOT LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES OR, IN ANY EVENT, FOR DAMAGES EXCEEDING ONE HUNDRED U.S. DOLLARS ($100.00 USD). THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF STABLEMATE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE AND TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

NOTWITHSTANDING ANY PROVISION OF THE TERMS, FOR MEMBERS IN JURISDICTIONS THAT HAVE PROVISIONS SPECIFIC TO WAIVER OR LIABILITY THAT CONFLICT WITH THE FOREGOING, THEN STABLEMATE’S LIABILITY IS LIMITED TO THE SMALLEST EXTENT PERMITTED BY LAW.

ASSIGNMENT

The Terms and any rights and licenses granted hereunder may not be transferred or assigned by any member but may be assigned by Stablemate without restriction.

TERMINATION/SURVIVAL

Stablemate may terminate or suspend the Services or any part thereof immediately, without prior notice or liability, if you breach any of the Terms. Members may terminate their accounts at any time by following the instructions on the Services.

This Agreement shall automatically terminate (i) upon the institution by Stablemate of insolvency, receivership, or bankruptcy proceedings or any other proceedings for the settlement of Stablemate’s debts, (ii) upon Stablemate making an assignment for the benefit of creditors, or (iii) upon Stablemate’s dissolution or ceasing to do business. Any notice, export opportunity, return, deletion, or retention of member content in that circumstance depends on the available operations, controlling legal process, applicable law, and the data category. Stablemate does not promise a universal 60-day export window.

Refunds are governed by the Payment and Fees section above. Upon termination by Stablemate or by you, your right to use and access the Services and any Content will immediately cease. Stablemate may retain member account information after termination where required for regulatory, accounting, safety, fraud-prevention, or legal compliance purposes.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, intellectual property provisions, disclaimers, indemnity, and limitations of liability.

GOVERNING LAW

Members agree that (1) the Services shall be deemed solely based in New York and (2) the Services shall be deemed a passive one that does not give rise to personal jurisdiction over Stablemate, either specific or general, in jurisdictions other than New York. This Agreement shall be governed by the laws of the State of New York, without regard to conflict of laws principles.

ARBITRATION

Stablemate and members agree that any and all disputes or claims shall be resolved exclusively through final and binding arbitration, rather than in court. Stablemate and members manifest their assent to arbitrate by providing and using the Services. Arbitration claims are those that Stablemate asserts against a member and that a member asserts against Stablemate, any related or affiliated entity, and the owners, officers, directors, agents, or employees of any of them. The Federal Arbitration Act shall govern the interpretation and enforcement of this agreement to arbitrate. If for any reason the FAA is inapplicable, the laws of New York shall apply. To the extent permitted by law, the Parties agree to arbitrate claims on an individual basis only and waive any right to bring, participate in, or recover under, a class, collective, consolidated, or representative action. The arbitrator shall apply the Terms and the same substantive law to the dispute as a court would and under the same law of remedies. To begin an arbitration proceeding against Stablemate or a related party, the member must send a letter requesting arbitration and describing the claim to Stablemate at:

Steady Flow, LLC

Attn: Legal Division

7014 13th Ave, Suite #202,

Brooklyn, NY, 11228

The arbitration will be conducted by the American Arbitration Association (AAA) under the rules applicable to the claim asserted, including, but not limited to, the AAA’s Supplementary Procedures for Consumer-Related Disputes. The AAA’s rules are available at www.adr.org or by calling 1-800-778-7879. Stablemate will supply a printed copy of the rules upon a member’s request. Payment and reimbursement of all filing, administration, and arbitrator fees will be governed by the AAA’s rules. New York, New York is the sole proper venue for arbitration; provided, however, that the arbitrator once selected shall have the authority to order the parties to arbitrate in a different venue for good cause shown, applying federal law for transferring venue on grounds of forum non conveniens. If, notwithstanding this arbitration agreement, a claim for any reason proceeds in court rather than in arbitration, the dispute shall be exclusively brought and heard in a court of competent jurisdiction located in the City and County of New York, New York. Except as otherwise provided by law or the AAA’s rules, the prevailing party in any arbitration will be entitled to receive from the non-prevailing party all of its reasonable attorneys’ fees and costs.

NOTIFICATIONS

Members agree that Stablemate may provide notifications to members via e-mail, written or hard copy notice, or through conspicuous posting of such notice on its Services. Members may opt out of certain means of notifications or to only receive certain notifications.

ENGLISH LANGUAGE

In the event of a conflict between the English language version of the Terms and any foreign language translation versions thereof, the English language version of the Terms shall govern and control. All disputes, claims, causes of action, and related proceedings will be communicated in English. Unless otherwise explicitly stated, all material found on the Services are solely directed to individuals, companies, or other entities located in the United States.

ENTIRE AGREEMENT/SEVERABILITY

The Terms encompass the entire agreement between members and Stablemate. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. Stablemate’s failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision.

INDEPENDENCE FROM THIRD-PARTY SERVICES

Stablemate is currently a web platform operated by Steady Flow, LLC. The Stablemate Terms govern the relationship between Stablemate and its members. Infrastructure providers do not become parties to that member relationship merely because their services support payment, communication, hosting, mapping, email, or other technical capabilities.

Members must comply with any applicable third-party terms presented when using an enabled provider capability. Stablemate remains responsible for its own Services and customer relationship. Each provider remains responsible for its own services under its applicable terms.

Last updated: September 2025

Thank you for reviewing this policy and welcome to Stablemate. It is the policy of Steady Flow LLC, doing business as Stablemate (“Stablemate,” “we,” “us,” “our,” or the “Services”), to foster a safe, smart, and socially respectful environment for our entire member community (“members” or “you”). This web platform is built to support skills exchange in a secure setting. We are committed to proactive measures that reduce the risk of violence and manage situations that could lead to harm. All members must cooperate with this policy and comply fully with its guidelines. This policy is regularly updated and enforced to support member safety and community wellbeing. By using the Services, you agree to and accept the terms outlined herein.

SCOPE

Prohibited Conduct: Stablemate does not tolerate violence, threats of violence, unlawful fighting, child abuse, child neglect, or stalking on any private or public property, establishments of any kind, premises, or in any Stablemate activity or program. All unlawful activity such as the use, participation, distribution, or sale or resale of illegal goods, illegal drugs, or weapons is prohibited on the Stablemate web platform and Services.

DEFINITIONS

• Acts of violence: any physical action, whether intentional or reckless, that harms or threatens the safety of another individual on the Stablemate web platform and Services.
• Threat of Violence: any behavior that could be interpreted by a reasonable person as intent to cause physical harm to another individual.
• Child abuse: sexual or emotional abuse of a child, and physical injury inflicted on a child by another person, excluding injuries caused by accidental means.
• Child neglect: negligent treatment which threatens the child’s health or welfare.
• Stalking: a course of conduct directed at an individual that would cause a reasonable person to fear for their safety or the safety of others, or suffer substantial emotional distress.
• Labor Trafficking: forced labor or services through coercion, fraud, or force, including debt bondage and involuntary child labor.
• Sex Trafficking: exploitation of individuals for sexual purposes, regardless of whether movement across borders occurs.
• Drug Trafficking: the global illicit trade involving the cultivation, manufacture, distribution, and sale of substances subject to drug prohibition laws.
• Gun Trafficking or Arms Trafficking: illicit trade involving the manufacture, distribution, and sale of firearms or ammunition.
• Weapon(s): firearms, ammunition, BB or pellet guns, stun guns, explosives, knives, razors, box cutters, fireworks, hazardous chemicals, or any object used to threaten or commit violence, as defined by applicable law.
• Fraud: intentional deception to result in financial or personal gain.
• Identity theft: unauthorized use of another person’s identifying information to commit crimes or fraud.
• Robbery: theft involving violence or the threat of violence.
• Burglary: breaking and entering with intent to commit a crime.
• Theft by Deception: obtaining property by deception.
• Bribery: offering or receiving a corrupt benefit to influence official action.
• Extortion: obtaining property through wrongful use of force, violence, or fear.
• Money laundering: disguising criminal proceeds to appear legitimate.
• Harassment: aggressive pressure or intimidation in contexts such as workplace, online, religious, racial, or psychological harassment.
• Assault: intentionally putting another person in reasonable apprehension of imminent harmful or offensive contact.
• Rape: penetration of any kind without consent.
• Domestic Violence: also called intimate partner violence (IPV), a pattern of abusive behaviors to maintain power and control over another partner.
• Kidnapping: seizing, confining, abducting, or carrying away a person by force or fraud.
• Murder: unlawful killing of a human being with malice, as defined by applicable law.
• Homicide: the killing of one person by another, lawful or unlawful, as defined by applicable law.
• Felony murder: death occurring during the commission of a felony, as defined by applicable law.
• Manslaughter: unlawful killing without malice, as defined by applicable law.
• Cybercrime: unauthorized access, hacking, phishing, ransomware, denial-of-service attacks, malware distribution, or digital fraud.
• Embezzlement: theft or misappropriation of funds placed in one’s trust or belonging to an employer or organization.
• Insider Trading: buying or selling securities based on material nonpublic information.
• Tax Evasion: willful attempt to evade or defeat taxation obligations.
• Corruption: abuse of entrusted power for private gain, including government corruption.
• Terrorism: use of violence or intimidation to advance political, ideological, or religious objectives.
• Rioting and Civil Disorder: participation in violent public disturbances causing harm or damage.
• Organized Crime: membership or participation in a structured group engaging in ongoing criminal activity.
• Hate Crimes: criminal acts motivated by protected characteristics such as race, ethnicity, religion, gender, sexual orientation, or disability.
• Sexual Harassment: unwanted sexual advances or conduct creating a hostile environment.
• Child Exploitation: production, distribution, or possession of child sexual abuse material.
• Environmental Crimes: illegal dumping, hazardous waste disposal, wildlife trafficking, poaching, or pollution violations.
• Public Corruption: misconduct by government officials including kickbacks, nepotism, or bid-rigging.
• Espionage: obtaining or disclosing sensitive information without authorization, including corporate espionage.
• Forgery: falsification of documents, signatures, checks, or identification for gain.
• Counterfeiting: unauthorized reproduction of money, documents, goods, or securities.
• Arson: deliberate setting of fires to property or land.
• Human Rights Violations: crimes against humanity, torture, or persecution based on identity.
• Catch-All Clause: any other criminal offense under applicable local, state, federal, or international law not explicitly listed here remains prohibited on the Stablemate platform.

REPORTING VIOLENCE

Any individual who experiences or observes a threat or act of violence, or a weapon, must immediately notify local law enforcement (call 911 in the U.S.). Stablemate also encourages members to seek support from trusted contacts or community resources.

Stablemate will handle reports confidentially, disclosing information only when appropriate. Members must promptly report violations or suspected violations of this policy to us. In emergencies, call local authorities first.

RETALIATION

This policy prohibits retaliation against anyone who reports a violation in good faith. Stablemate will not tolerate intentional false reporting. A complaint made in good faith that results in “no violation” is not a false report. False or malicious allegations may result in disciplinary action, including account suspension.

INVESTIGATIONS AND OUTCOMES

• For Steady Flow employees: disciplinary action up to termination of employment or permanent removal from premises.
• For Stablemate members: account suspension.

Matters that violate state or federal law, or repeated member violations, may be referred to law enforcement.

CONFIDENTIAL RESOURCES

Independently licensed professionals may offer eligible general-purpose services only within their own licensing, scope-of-practice, confidentiality, advertising, recordkeeping, and other legal duties. Stablemate does not license them, supervise professional judgment, promise confidentiality on their behalf, or treat contact with a member provider as a report to Stablemate.

YOUR RIGHTS

Members are entitled to make their own decisions in life, liberty, and the pursuit of happiness. No entity should exert overbearing power, belittle, or dictate livelihood. Rights remain the member’s to exercise, consistent with applicable law.

QUESTIONS

Please include your full name, primary email, and question in any inquiry. The request will be documented and routed according to its safety and legal significance; no fixed response time is promised.

Last updated: September 2025

Thank you for reviewing this policy and welcome to Stablemate. We are committed to identifying, preventing, and addressing human rights risks and impacts related to our web platform. This Human Rights Policy is part of Steady Flow, LLC, doing business as Stablemate (“Stablemate,” “we,” “us,” or “our”) and expands upon our code of conduct. It outlines our shared responsibility to treat all people with fairness, dignity, and respect. These values apply both within Stablemate and to everyone we interact with. While this policy is rooted in broader human rights principles, within the Stablemate community, it applies to all members based on their participation and conduct within the platform.

Our community practices are built on three pillars:

• Fairness: We commit to equitable treatment of all members and stakeholders.
• Dignity: We uphold the inherent worth of every person interacting with our platform.
• Respect: We foster an environment of mutual regard and professionalism.

We make the following seven human rights commitments:

1. We operate in a way that respects the rights and dignity of all people and complies with all applicable legal requirements.
2. We honor internationally and nationally recognized human rights, including those outlined in the International Bill of Human Rights and the ILO Declaration on Fundamental Principles and Rights at Work.
3. We accept our responsibility to respect human rights and avoid complicity in human rights violations, as stated in the UN Guiding Principles on Business and Human Rights.
4. We treat all Stablemate members fairly and without discrimination. Our team members, contractors, and partners deserve a professional environment that protects their rights and dignity.
5. We respect the freedom of association. When Stablemate members choose to be represented, we engage with their chosen representatives in good faith and within the law.
6. We are mindful of the rights of people in communities affected by our operations. We work to identify, minimize, and address any adverse human rights impacts.
7. We encourage suppliers and partners to uphold these same principles. By doing so, we aim to elevate the quality of life for all involved.

We understand that delivering a safe, smart, and social mobile experience is both a public good and a complex challenge, especially in regions affected by violence or instability. Should our operations cause or contribute to adverse impacts, we are committed to remediation and accountability. While there is no perfect solution to every conflict, we believe that by facing our challenges together, we can create lasting, meaningful change for the betterment of all.

Questions about this Human Rights Policy may be sent with the requester’s full name, email, and question. The request will be documented and routed according to its conduct and legal significance; no fixed response time is promised.

Last updated: September 2025

Thank you for reviewing this policy and welcome to Stablemate. It is the initiative of Steady Flow LLC, doing business as Stablemate (“Stablemate,” “us,” “we,” “our,” “Services”), to provide our member community (collectively, “you,” “yours,” “people,” “members”) a safe, smart, social skills-exchange web platform. Stablemate promotes measures aimed at reducing incidents of harassment and the management of situations that may lead to violence. All members of the Stablemate community shall cooperate to maintain a safe, smart, social service and shall comply with this policy. This policy is routinely updated and enforced for your safety on the Services website. By accepting our Terms of Service and accessing the Services in any manner, you acknowledge that you accept the practices and policies outlined in this policy and you consent to the terms described here.

Kindly note: please review the Violence Prevention Policy along with this policy for additional information you may find useful.

WHAT IS HARASSMENT

Harassment: misconduct that includes unwelcome physical, verbal, or non-verbal conduct which results in a person feeling intimidated, threatened, humiliated, or demeaned, and is likely to interfere with an individual’s work, education, or living conditions. Harassment in any form, based on sex, race, color, age, national origin, ethnicity, ancestry, physical or mental disability, medical condition, genetic information, pregnancy, marital status, religion, gender, gender expression or gender identity, sexual orientation, military or veteran status, or any other characteristic protected by state or federal laws (“protected characteristics”), is unlawful and strictly prohibited, as are all forms of sexual intimidation, exploitation, and violence.

Steady Flow LLC and Stablemate are committed to educating the community in ways to prevent its occurrence. Complaints concerning sexual and gender-based discrimination, harassment, and sexual misconduct can be reported to local and state authorities and may result in arrest and civil or criminal sanctions.

CONDUCT BECOMES UNLAWFUL HARASSMENT WHEN:

• Enduring the offensive conduct becomes a condition of continued employment; or
• The conduct is sufficient to create a work or academic environment that a reasonable person would consider intimidating, hostile, or abusive.

Anti-discrimination laws also prohibit harassment in retaliation for filing a discrimination claim, testifying, or participating in any way in an investigation, proceeding, or lawsuit under these laws; or for opposing employment practices reasonably believed to be discriminatory. Petty slights and annoyances do not rise to the level of illegality.

Examples of offensive conduct include: offensive jokes, slurs, epithets or name-calling, physical assaults or threats, intimidation, ridicule or mockery, insults or put-downs, offensive objects or pictures, and interference with work or academic performance.

INVESTIGATION AND ENFORCEMENT

Steady Flow LLC, doing business as Stablemate, will conduct a fair, timely, and thorough investigation into member complaints within the scope of this policy to determine what occurred and will take reasonable steps to remedy the effects of any harassment and prevent recurrence. This may include account suspension of offenders and informing victims to contact local authorities and, if needed, to seek or retain legal services. Stablemate provides all parties with appropriate due process and reaches reasonable conclusions based on the evidence collected or reported by the member. Stablemate takes appropriate action when warranted.

For our employees, Stablemate requires training regarding harassment, violence, and the prevention of abusive conduct, consistent with federal and state legal requirements. Stablemate recommends that third parties and members also participate in such training at their discretion.

Behavior intended to dishonor protected characteristics is contrary to the pursuit of inquiry and education and may be discriminatory harassment and unlawful. Some behavior intended to harass, while inappropriate and not tolerated on the Stablemate platform, may not be unlawful. These behaviors may be addressed for members through the disciplinary process and for employees through supervisory intervention. Disciplinary outcomes may include suspension for a period of time. Every complaint is considered based on the totality of the circumstances. A single incident, if severe, may constitute harassment.

EXAMPLES OF BEHAVIORS THAT MAY CONSTITUTE HARASSMENT:

• A disabled member is not respected equally to others because of a lack of mobility and is teased or belittled by offensive remarks and commentary.
• A member tells another member racially offensive jokes within a meeting.
• A member is ostracized by others because of their national origin or religion.
• Making or using derogatory comments, epithets, slurs, or jokes based on age, gender, race, and other protected characteristics toward any member of the Services or in public.

SCOPE

This policy applies to all entities, website visitors, and members of the Steady Flow LLC and Stablemate community (citizens, professionals, students, volunteers, interns, vendors, independent contractors, persons performing services under contract with Stablemate, visitors, and any other individuals regularly or temporarily employed, studying, living, visiting, or otherwise participating on, in, or with the Stablemate web platform). This policy applies to conduct occurring on Stablemate-controlled property and at sponsored events, programs, and activities regardless of location.

Members of the Steady Flow LLC and Stablemate community are encouraged to report unlawful harassment regardless of where the incident occurred or who committed it. Even if Stablemate does not have jurisdiction over the person accused of harassment, Stablemate will take prompt action and reasonable steps to remedy the effects of the harassment and prevent recurrence where capable.

Age eligibility: All Stablemate members must be at least 18 years of age, or older where local law requires a higher minimum age.

PROHIBITION AGAINST RETALIATION

No member of the Stablemate community will be retaliated against for making a good-faith report of harassment or for participating in an investigation or proceeding conducted by Stablemate or by a state or federal agency. Overt or covert acts of retaliation, reprisal, interference, discrimination, intimidation, or harassment against an individual or group for exercising rights under federal and state laws are unlawful. Stablemate will take steps to prevent retaliation and will take prompt and appropriate corrective action if retaliation occurs. Individuals who violate this policy may be subject to account suspension.

PRIVACY

Stablemate will maintain the privacy of all individuals involved in a report of harassment to the extent possible, in accordance with the company’s Privacy Policy. Privacy generally means that information related to a report of harassment will be shared only with individuals who have a need to know. These individuals will be discreet and will respect the privacy of all involved.

CONFIDENTIALITY

Confidentiality means that information shared with designated officers, executives, and employees will not be revealed to others without the express permission of the reporting individual. These professionals are prohibited from breaking confidentiality unless there is an imminent threat of harm to self or others or as otherwise permitted by law. When a report involves suspected abuse of a minor under the age of 18, these confidential resources are required by state law to notify child protective services and/or local law enforcement.

CONFIDENTIAL RESOURCES

A licensed professional using Stablemate remains independently responsible for licensing, scope of practice, confidentiality, records, reporting duties, and complaint procedures. Stablemate does not supervise that professional relationship. Contacting a member provider does not submit a report to Stablemate; use Stablemate Support or emergency services as appropriate.

YOUR RIGHTS

You are entitled to make your own decisions in life, liberty, and the pursuit of happiness. No single entity should have overbearing power over you, belittle you, or dictate your livelihood. Your rights remain yours to exercise.

HAVE A QUESTION REGARDING OUR ANTI-HARASSMENT POLICY?

Please provide your full name, primary email, and questions. The report will be documented and routed according to its safety, conduct, and legal significance. No fixed response time, staffing title, or human-only routing is promised.

Last updated: September 2025

Thank you for reviewing this policy and welcome to Stablemate. It is the initiative of Steady Flow LLC, doing business as Stablemate (“Stablemate,” “we,” “us,” “our”), to provide our community with a safe, smart, social skills-exchange platform for our members. Stablemate promotes measures aimed at reducing incidents of fraud and the management of situations that may lead to fraud. All members of the Stablemate community shall cooperate to maintain a safe, smart, social service and shall comply with this policy. This policy is routinely updated and enforced for your safety as a member of the web platform. By accepting our Terms of Service and accessing the Services in any manner, you acknowledge that you accept the practices and policies outlined in this policy and you consent to the terms described in this policy.

OUR PURPOSE

We are aware of the fraud epidemic in the United States of America and we recognize that fraud can happen to any entity. Please know that we do not have any effect on individuals or their day-to-day decisions, operations, practices, and livelihoods. Members who use our services vow to do what is right and help others succeed.

We hope members are kind to one another.

We hope members help each other advance respectfully.

We hope members move forward with accountability for their actions, notions, motives, and purpose.

We ask that you report any type of fraudulent activity in any industry to local authorities as soon as it happens or as soon as it is safely and securely possible for you.

Collectively, as a society we all pay for fraudulent activity of any kind in any profession or industry.

OUR AUTHENTICITY

If you doubt the authenticity of any type of correspondence claiming to originate from Steady Flow LLC, doing business as Stablemate, please contact us at legal@stablemate.app. This alerts the company to potential fraud, scamming, or phishing activity and allows it to be investigated and remediated if necessary on our end.

We are aware of numerous forms of fraudulent correspondence including, but not limited to:

• Romance or confidence fraud: deceptive relationships for personal or financial gain.
• Digital payment fraud: abuse of any technology platform for unauthorized payments.
• Mobile app fraud: misleading members regarding rewards, gains, or representations.
• Telephone scams: including robocalls and calls attempting to voice record you.
• Fax scams: fraudulent messages via fax machine.
• Text scams: SMS alerts or deceptive messages.
• Email scams: fraudulent or phishing email activity.
• Postal mail scams: circulation of fraudulent notices or letters.
• Promotional/marketing scams: fake contests, games, or incentives.
• Employment fraud: fake jobs, recruitment scams, or workplace fraud.
• Paid/incentivized reviews: misleading reviews from corporations or professionals.
• Streaming fraud: manipulation of music, video, or film streams.
• Education fraud: scams involving tuition, grants, housing, or admissions.
• Rental scams: fake offers for homes, vehicles, or equipment.
• Charity scams: nonprofit donation fraud.
• Warehouse shrinkage: internal theft of inventory.
• Cargo theft: theft of transported goods.
• Insurance fraud: false billing across insurance types.
• Payroll embezzlement: theft from payroll systems.
• Refund/return fraud: embezzlement during customer refunds.
• Point of sale fraud: employee overcharging or undercharging customers.
• Impersonation scams: fake legal letters, billing services, or notices.
• Invoice fraud: inflated or fabricated billing across professions.
• Funeral/cemetery fraud: misrepresentation in burial or funeral services.
• Phishing/social engineering: deceptive messages, QR codes, or fake calls seeking credentials or payments.
• Account takeover: credential stuffing, SIM swapping, or port-out fraud.
• Payment card fraud: stolen cards, chargeback abuse, triangulation schemes.
• Business email compromise: vendor impersonation or fake change-of-bank instructions.
• Check/ACH fraud: altered or counterfeit checks, unauthorized debits.
• Cryptocurrency scams: fake investments, wallet draining, or exchange impersonation.
• Affiliate/advertising fraud: click fraud, fake installs, spoofed leads.
• Promo/loyalty abuse: coupon or referral gaming.
• Marketplace/escrow fraud: overpayment or shipping label scams.
• Document/identity fabrication: forged IDs or synthetic identities.

These forms of bribes, scams, fraud, and stealing are circulating at an alarming rate and may appear in several different languages. They often include actual or identical logos, photos, links, or other information taken directly from an official website, company, application, social media account, or similar source.

OUR POSITION

Our security team will work with law enforcement to make every effort to stop such frauds or scams. We cannot stop them all and at times need your help. Please speak up if you see, suspect, or encounter suspicious activity on our platform or in our community. Please do not involve us in your legal case, filed claims, or list us as a witness if entirely unrelated. This does not limit our obligation to comply with lawful process.

Be advised that our services, specifically Stablemate, and any employers, partners, executives, independent contractors of Steady Flow LLC, Stablemate members, or third-party partner organizations do not:

• Request administrative fees.
• Host internet lotteries or offer prizes of any kind through email, postal mail, telephone, fax, or in person.
• Request registration fees for conferences or summits.
• Request information about bank accounts or other private information through unsolicited outreach.
• Approach individuals in person offering grant opportunities.
• Solicit donations at any time.
• Offer investment opportunities.

RESEARCH THE FTC

For more information about the Federal Trade Commission’s efforts against fraud or to file a complaint, please visit the FTC’s resources, including the Division of Privacy and Identity Protection. You may also use the official reporting portal at Report fraud to the FTC and the Federal Trade Commission homepage.

HAVE A QUESTION REGARDING OUR ANTI-FRAUD POLICY?

Please include your full name, primary email, and question. The report will be documented and routed according to its fraud, payment, safety, and legal significance. No fixed response time, staffing title, or human-only routing is promised.

Last updated: August 2026

Stablemate is not currently represented as a HIPAA-compliant service for protected health information, and this public page is not an executed Business Associate Agreement. Do not create, receive, maintain, or transmit PHI through Stablemate unless Steady Flow, LLC has approved the specific use in writing and all required agreements, provider settings, technical controls, and operating procedures are in effect.

PROFESSIONAL USE

Licensed professionals may use general-purpose Stablemate features only within their independent legal and professional responsibilities. Stablemate does not license a professional, determine scope of practice, waive confidentiality or recordkeeping duties, or convert a general platform into an approved clinical system.

PROVIDER QUALIFICATION IS NOT PLATFORM COMPLIANCE

Twilio identifies certain services, including qualifying Video use, as HIPAA eligible and may enter into a BAA for an appropriately configured account. That provider eligibility does not establish that Stablemate has an executed BAA, a designated HIPAA project, a complete subcontractor chain, or approved PHI workflows. Stripe documents that Stripe Identity is not supported for PHI use by a HIPAA covered entity or business associate.

REQUIRED BEFORE ANY PHI WORKFLOW

• Written approval of the exact covered use and data flow.
• An executed BAA with Steady Flow, LLC and each required eligible subcontractor.
• Confirmed provider-account eligibility and HIPAA-specific configuration.
• Security, access, audit, retention, breach-response, backup, and workforce procedures validated for the use.
• Legal review of the agreement, jurisdiction, incident timing, and termination terms.

Questions about a proposed regulated-health use must be sent to legal@stablemate.app before PHI is introduced.

Last updated: August 2026

Activation: This public DPA is an explanatory form only. It does not become an executed processor agreement until authorized representatives identify the controller, services, instructions, effective date, and applicable transfer terms in a signed agreement.

DEFINITIONS

Agreement: The agreement between Stablemate and the User for use of the Services. This DPA sets the rules under which Stablemate processes Personal Data on behalf of the User. In this DPA the User is the Controller (typically a business customer), which is distinct from a member.

Controller: The natural or legal person which determines the purposes and means of the processing of Personal Data. In this DPA the User is the Controller.

Processor: The natural or legal person which processes Personal Data on behalf of the Controller. In this DPA Stablemate is the Processor.

Personal Data, Processing, Data Subject, Supervisory Authority, Personal Data Breach: Have the meanings given in Regulation (EU) 2016/679 (GDPR). Where relevant, references include the UK GDPR and applicable Swiss law.

Services: The services provided by Stablemate to the User as set out in the Agreement.

Sub-processor: Any processor engaged by Stablemate that processes Personal Data on behalf of the User.

SUBJECT MATTER, DURATION, AND PURPOSE

Subject matter: Stablemate will process Personal Data solely to provide and improve the Services, to secure the Services, and to perform obligations under the Agreement.

Duration: This DPA starts on the effective date of the Agreement and ends automatically when the Agreement ends and Stablemate has deleted or returned Personal Data in accordance with this DPA.

Purpose limitation: Stablemate will not process Personal Data for any purpose other than those documented by the User in the Agreement and this DPA, unless required to do so by applicable law. In that case Stablemate will inform the User before processing unless the law prohibits such notice.

DATA PROCESSING DETAILS (ARTICLE 28(3) GDPR)

Nature of processing: Storage, transmission, organization, retrieval, service diagnostics, customer support, and security monitoring, limited to the services and providers identified in an executed agreement.

Categories of Data Subjects: The User’s members and end users whose contact details or account data the User chooses to sync or input into the Services, and the User’s authorized personnel who administer the account.

Types of Personal Data: Contact data (name, email, phone), account identifiers, profile data provided by the User, in-app communications metadata, support correspondence, and other data the User elects to upload or connect through the Services. The Services are not intended to collect special categories of data unless the User has a lawful basis and provides documented instructions.

Retention: Stablemate keeps Personal Data for the term of the Agreement or as otherwise instructed by the User, and deletes or returns Personal Data at termination, subject to lawful retention obligations.

CONTROLLER OBLIGATIONS

The User is responsible for the accuracy, quality, and lawfulness of Personal Data and the means by which it was acquired, and for complying with Controller obligations under applicable data protection laws.

The User will provide documented instructions for processing. Stablemate will promptly inform the User if, in its opinion, an instruction infringes applicable data protection law.

The User will manage and respond to Data Subject requests, supervisory inquiries, and notices, with Stablemate’s assistance as set out below.

PROCESSOR OBLIGATIONS

Processing on documented instructions only: Stablemate will process Personal Data only on the User’s documented instructions, including with respect to transfers, unless required by law.

Confidentiality: Stablemate will ensure persons authorized to process Personal Data are bound by confidentiality obligations.

Security: Stablemate will implement appropriate technical and organizational measures to protect Personal Data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access, taking into account the state of the art, implementation costs, and the nature, scope, context, and purposes of processing. Measures include access controls, encryption in transit and at rest where feasible, logical segregation, vulnerability management, logging and monitoring, secure development practices, and workforce training.

Sub-processors: Stablemate may engage Sub-processors. Stablemate will impose data protection obligations on Sub-processors that are no less protective than those in this DPA and remains liable for their performance. The current Sub-processor list is maintained in the Sub-Processor Report section of the Legal Center. The User may subscribe to updates as available.

International transfers: Where Stablemate or a Sub-processor processes Personal Data outside the EEA, the UK, or Switzerland, Stablemate will ensure an adequate transfer mechanism is in place, such as the EU Standard Contractual Clauses (SCCs), the UK International Data Transfer Addendum (IDTA), or other lawful transfer tools.

Assistance: Taking into account the nature of processing, Stablemate will assist the User by appropriate technical and organizational measures, insofar as possible, for the fulfillment of the User’s obligations to respond to Data Subject requests, perform data protection impact assessments, and consult with supervisory authorities where required.

Records and information: Stablemate will make available to the User information necessary to demonstrate compliance with Article 28 GDPR and this DPA.

Audit: On reasonable prior written notice and no more than once in any 12 month period, the User may audit Stablemate’s compliance with this DPA. Audits will occur during normal business hours, in a manner that does not unreasonably disrupt operations, and may be satisfied by current third party certifications or summary audit reports. The User and any auditor must be bound by confidentiality. Reasonable time spent by Stablemate to support on-site audits may be charged at rates agreed in advance in writing.

PERSONAL DATA BREACH NOTIFICATION

Stablemate will notify the User without undue delay after becoming aware of a Personal Data Breach affecting Personal Data processed on the User’s behalf, consistent with Article 33(3) GDPR. The notification will include available information to help the User meet its breach reporting obligations, including the nature of the breach, the categories and approximate number of Data Subjects, likely consequences, and measures taken or proposed to address the breach.

DATA SUBJECT REQUESTS

Stablemate will, to the extent permitted by law, notify the User of any request received directly from a Data Subject. Stablemate will not respond to such a request without the User’s documented instruction, except to confirm that the request relates to the User.

RETURN AND DELETION OF DATA

At termination of the Services, at the User’s choice, Stablemate will delete or return all Personal Data and delete existing copies, unless applicable law requires storage. Where deletion is not feasible, Stablemate will continue to protect the Personal Data and will not actively process it further.

SUB-PROCESSING

Consent: The User gives general authorization for Stablemate to engage Sub-processors to support the Services.

Notice of changes: Stablemate will post updates to its Sub-processor list in the Legal Center. The User may object on reasonable data protection grounds within 30 days of notice. If the parties cannot reach a resolution, the User may suspend the affected processing or terminate the relevant Services in accordance with the Agreement.

Examples of Sub-processors include the payment, communications, and mapping providers actually listed in the Sub-Processor Report for the approved service.

LIABILITY AND INDEMNITY

Each party is liable for its own acts and omissions and for those of its direct processing chain to the extent required by applicable law. As between the parties and subject to any limitations of liability in the Agreement, Stablemate will be liable for damages caused by processing where it has not complied with obligations of GDPR specifically directed to processors or where it acted outside or contrary to the User’s lawful instructions.

Any allocation or contribution between the parties for joint liability shall be in accordance with applicable law and the Agreement.

GOVERNING LAW AND JURISDICTION

This DPA is governed by the laws specified in the Agreement. Where required for the validity or interpretation of the EU Standard Contractual Clauses or other mandated transfer instruments, the governing law and forum in those instruments will apply for those purposes.

Nothing in this section limits the rights of Data Subjects or Supervisory Authorities under applicable law.

ORDER OF PRECEDENCE

If there is any conflict between this DPA and the Agreement with respect to the processing of Personal Data, this DPA controls. If there is any conflict between this DPA and the Standard Contractual Clauses or other mandatory transfer instruments, those instruments control for the conflicting terms.

MISCELLANEOUS

Severability: If a provision of this DPA is held invalid or unenforceable, the remaining provisions remain in full force and effect. The parties will replace the invalid provision with a valid provision that achieves the purpose of the original.

Amendment: The parties will work together in good faith to amend this DPA to address changes in data protection law or guidance that materially impact the Services.

Contact: Questions about this DPA can be directed to support@stablemate.app. Please include your name, organization, and a clear description of your request.

ANNEX A - TECHNICAL AND ORGANIZATIONAL MEASURES (SUMMARY)

Access control: Role based access, unique IDs, strong authentication, least privilege, periodic access reviews.

Data security: Encryption in transit using TLS, encryption at rest where feasible, key management aligned with industry practice, logical separation of customer data.

Operational security: Vulnerability management, change management, logging and monitoring, incident response with defined roles and testing.

Physical and environmental security: Data center safeguards provided by reputable hosting providers.

Business continuity and disaster recovery: Backup and recovery procedures, redundancy appropriate to the Services.

Personnel security and training: Background checks where permitted, confidentiality agreements, recurring privacy and security training.

Third party management: Risk based due diligence, contractual obligations for data protection, and ongoing supplier oversight.

Last updated: September 2025

At Stablemate, trust is essential. We work to provide a reliable web platform that protects your data and respects your privacy. Security is applied in layers through policies, procedures, technical controls, monitoring, and review. Any assurance or compliance statement must be limited to controls that have been verified for the deployed service.

INFORMATION TECHNOLOGY SECURITY PROTOCOLS

Data network and providers. Stablemate is currently a web platform. Stripe supplies payment-processing infrastructure. Twilio supplies optional meeting and Forum communication infrastructure when enabled. Hosting, domain, email, storage, analytics, identity-verification, and other provider claims must match the services actually configured for production and the approved Sub-Processor Report. No native mobile application or Firebase delivery path is verified for this release.

Design and development. We apply privacy by design and privacy by default. Code changes are reviewed, tested, and deployed through controlled processes. We use secure development practices, dependency management, and routine vulnerability review.

SECURITY FEATURES AND MEMBER CONTROLS

Members can manage account settings and profile information within the application. Stablemate applies standard controls intended to reduce social engineering risks and improve security awareness in the community. We encourage members to keep devices updated and to use strong, unique credentials.

COMPLIANCE AND ASSURANCE

Stablemate has internally reviewed source controls, but does not claim an independent platform certification. A provider's certification applies to that provider and does not certify Stablemate.

• HTTPS/TLS transport for deployed web traffic
• Layered account onboarding, password and six-digit access-code sign-in, session controls, and authorization checks
• Audit records and encrypted private-file storage using authenticated encryption
• Stripe's PCI responsibilities for Stripe-hosted payment infrastructure
• Twilio provider controls for enabled voice and video infrastructure
• No blanket end-to-end-encryption, all-database-encryption, WCAG certification, HIPAA compliance, SOC, TRUSTe, or ISO certification claim for Stablemate

At this time, we choose to make the Services available within the United States. We will update this notice if our operating regions change.

THIRD PARTIES AND SUB-PROCESSORS

The Sub-Processor Report must list only providers actually used by the deployed service, their current purpose, data scope, location, and applicable contractual safeguards. Material changes to third-party processing will be reflected there and, where required, notice will be provided.

INCIDENT RESPONSE

We maintain procedures for detecting, investigating, and responding to security incidents. If we become aware of an event that affects your data, we will act in accordance with our legal obligations and our data protection agreements, including providing notice to members when required.

CONTACT

Questions about this Security Notice may be sent to support@stablemate.app. Please include your full name, primary email, and a clear description of the issue. The request will be documented and routed according to its security significance; no fixed response time is promised.

Last updated: September 2025

Steady Flow, LLC, doing business as Stablemate (“Stablemate,” “we,” “our,” or “us”) permits providers, third-party developers, partners, and the media (“you,” “users,” “providers”) to use its name, trademarks, logos, webpages, screenshots, and other brand features (collectively, the “Brand Features,” “Marks,” or “Guidelines”) only in limited circumstances and as specified in these policies. By using Stablemate Marks, you agree to adhere to these policies and to the Use Requirements and Terms below. If you have a separate agreement with Stablemate that addresses the use of Stablemate Brand Features, that agreement governs. Terms used but not defined here (such as “Stablemate” and “Services”) have the meanings given in the Services Agreement. For any proposed use of the Stablemate name or logos in publications or other media, submit a professional proposal describing purpose and use to support@stablemate.app.

The official USPTO record for the word mark STABLEMATE is U.S. Serial No. 88903249 and Registration No. 6603689. The application was filed May 6, 2020, the mark registered December 28, 2021, and the current TSDR status is live and active on the Principal Register. The owner is Steady Flow, LLC. The attorney of record is Kristin Grant and the correspondent is Grant Attorneys at Law PLLC. Consult the official USPTO TSDR record for current status and goods or services scope.

Use of STABLEMATE, Stablemate®, and related branding must match the registered scope, current ownership record, and any applicable common-law rights. This page does not claim registration in countries not shown by an official record.

• Stablemate®
• Stablemate™

The Stablemate name should always be accompanied by either the ® or ™ symbol as appropriate. You may not use any Stablemate Marks unless you agree to and comply with this policy and any applicable agreement with Stablemate.

PERMISSION TO USE STABLEMATE INTELLECTUAL PROPERTY

Stablemate Marks are important assets of our business and are protected by U.S. and international laws. We license the Marks on a non-exclusive, non-transferable basis for use on websites or applications that utilize the Services, subject to this policy. We may supervise, monitor, and revoke your license at any time at our discretion. Your license also terminates upon your non-use or cancellation of the Services. Upon termination, promptly remove Stablemate Marks from websites, applications, and other materials.

PROPER USE OF OUR INTELLECTUAL PROPERTY BY YOU

We may provide style or usage guidelines describing size, color, clear space, and placement. Use the Marks consistent with those guidelines unless we expressly agree otherwise in writing. Update your use to conform to guideline changes within a reasonable time after notice.

OUR MEMBER COMMUNITY

Members and providers may use downloadable logos to indicate that they use or associate with the Stablemate web platform. Any such logo must link to the official Stablemate landing page, not to a personal profile. Use remains subject to this Intellectual Property Policy, the Terms of Service, the Privacy Policy, and any applicable initiatives or agreements with Steady Flow, LLC and Stablemate.

THIRD-PARTY DEVELOPERS OR INDEPENDENT CONTRACTORS

Developers and independent contractors may use downloadable logos to indicate use with the Stablemate platform. The logo must link to the official Stablemate landing page, not to a personal profile. Use is subject to this Intellectual Property Policy, the Terms of Service, the Privacy Policy, and any applicable agreement with Steady Flow, LLC and Stablemate.

PARTNERS

If you have a current agreement with Stablemate (other than an API-only license), you may download logos for use under that agreement and these Guidelines. Partner logo use is subject to the Terms of Service, Privacy Policy, applicable initiatives, your partner agreement, and this Intellectual Property Policy.

MEDIA

Reputable news outlets and established media entities may download Brand Features for reporting on Stablemate. Marks and logos may not be altered, combined with other marks, or used misleadingly. For special requests, email support@stablemate.app with your proposal. Media use is subject to these Guidelines, the Terms of Service, and the Privacy Policy.

VARIOUS USE TYPES

Screenshots and animations. You may use standard screenshots or screen-capture animations of our homepage, landing page, company page, or product pages for instructive or illustrative purposes in print or digital formats. Do not alter the look of the captured image or superimpose graphics. Do not use screenshots of member or provider profile pages that disclose images or personal information unless:

• The content is solely your own personal information;
• All personal information is obfuscated so individuals cannot be identified;
• You have written permission from all identified individuals.

Treatment of personal information is governed by the Stablemate Privacy Policy.

Books or printed materials. Stablemate does not allow the use of its logos or the name “Stablemate” in titles or covers without prior written permission. Send requests to support@stablemate.app.

Film, music, and television. For use of the Stablemate name or logos in audiovisual productions, submit requests with purpose and context to support@stablemate.app.

Blogs and vlogs. Do not use “Stablemate” in titles or headers except as a descriptive reference to the Stablemate web platform. Logo use in blogs and vlogs is limited to permitted uses described in these Guidelines.

Manufactured items. Generally, Stablemate does not permit Marks on manufactured products such as apparel, packaging, or memorabilia without prior written consent. Contact support@stablemate.app for permission requests.

Piracy and infringements. If you encounter suspected infringement, imitation, or knock-offs, report to local authorities where appropriate and email support@stablemate.app with factual details, including a description of events, location, date, items, and any supporting materials. See our Anti-Fraud policy and other legal notices in the Legal Center for additional guidance.

ALL PERMITTED USES OF THE STABLEMATE MARKS MUST CONFORM TO THE FOLLOWING GUIDELINES

• Logo display: The Stablemate logo must stand alone with adequate clear space. Maintain a standard area of spacing around the logo in all uses. The mark features a circular form with two offset parentheses-like elements; it also appears as a loading indicator in the product.
• Logo and background color: Use the full-color logo for approved online use. Use the teal brand color on a solid black or other approved background per our style guidance. Use high-resolution assets for print. Official assets are available on request.
• Logo size: PNG logos may not be enlarged beyond native resolution to avoid degradation. Vector EPS may be scaled as needed. Minimum size is 21 px tall on screen, or 0.25 in (6.35 mm) in print.
• No modification: Do not modify the Marks. Do not change colors, proportions, or elements. Do not shorten, abbreviate, or create acronyms from the Marks.
• No confusingly similar marks: Do not use the Brand Features in a way that could cause confusion about source, sponsorship, or affiliation.
• No incorporation: Do not incorporate the Marks into product names, service names, trademarks, logos, company names, domain names, website titles, application icons, or favicons.
• No generic use: Do not use the Marks as common, descriptive, or generic terms.
• No plural or possessive use: Do not use the Marks in plural or possessive form.
• Domain names: Do not register domain names that include the Marks.
• Trade dress: Do not copy or imitate Stablemate’s site or app design, flows, typefaces, distinctive colors, features, or imagery.
• Endorsement: Do not display the Marks in a manner that implies endorsement, affiliation, or sponsorship by Stablemate, or that suggests content is authorized by Steady Flow, LLC or Stablemate personnel.
• Prominence: Do not display the Marks as the primary or most prominent feature on your materials.
• Disparagement: Do not use the Marks in a disparaging or derogatory manner about Stablemate, its products, or services.
• Violation of law: Do not display the Marks on sites that contain or promote illegal content, including adult content, unlawful gambling, or sales of tobacco or alcohol to persons under 21, or that otherwise violate law or regulation.
• Objectionable use: Do not use the Marks in a manner that is misleading, unfair, defamatory, infringing, libelous, obscene, or otherwise objectionable in Stablemate’s discretion.
• Attribution: The Marks must be accompanied by the appropriate ® or ™ symbol. See “Use Outside the U.S.” below.
• Use outside the U.S.: Trademark rights vary by country and some jurisdictions restrict the ® symbol. If using the Marks on sites based outside the United States, use the ™ symbol unless otherwise authorized. Stablemate Services are presently limited to the United States.
• Termination: Stablemate may direct you to stop using the Brand Features at any time. You agree to cease use within ten (10) business days after request.
• Reservation of rights: Stablemate owns all rights in the Marks and reserves all rights not expressly granted.
• No warranties: We make no representations or warranties regarding your use of the Marks and disclaim all warranties, including non-infringement.

IMPERMISSIBLE USES OF STABLEMATE MARKS

You may not display, copy, modify, transmit, or otherwise use the Marks except as described in this policy, the Guidelines, or as agreed in writing by Stablemate. Do not use the Marks to imply endorsement by Stablemate or in a manner that causes customer confusion. Do not misrepresent your relationship with Stablemate or use the Marks in relation to goods or services unrelated to the Services. You must promptly comply with any request to cease non-compliant use.

YOUR LIABILITY FOR THIRD-PARTY CLAIMS

You will indemnify Stablemate, its affiliates, and their respective employees and agents for third-party claims arising from impermissible use of the Marks, including claims based on trademark or copyright infringement, dilution, passing off, counterfeiting, or unfair competition, and for related liabilities and reasonable costs. You will cooperate in defense of such claims and acknowledge Stablemate’s authority to control defenses and responses.

OTHER LEGAL PROVISIONS

Except as otherwise agreed in writing, this policy is the entire agreement between you and Stablemate regarding your use of the Marks. We may terminate this policy upon notice. You may not transfer this policy. This policy is governed by the laws and dispute provisions specified in the Services Agreement, which are incorporated by reference. If any provision is held invalid or unenforceable, it will be interpreted to accomplish its objectives to the greatest extent possible and the remaining provisions will continue in full force and effect.

CONTACTING US REGARDING USE

If you have questions or seek permission for a use not described in this policy, contact support@stablemate.app with a description of the proposed use and purpose.

HAVE A QUESTION REGARDING OUR INTELLECTUAL PROPERTY POLICY?

Please provide your full name, primary email, and questions. The request will be documented and routed according to its intellectual-property and legal significance; no fixed response time or staffing title is promised.

Last updated: August 2026

Stablemate retains a quarterly transparency-report cadence. Reports distinguish a verified zero from an unavailable operational record. No zero is published merely because Stablemate remained prelaunch or because production database evidence was unavailable to this content review.

Scope

Each report covers government demands received directly by Steady Flow, LLC for Stablemate member data, preservation, interception, content restriction, or emergency disclosure. Requests directed only to a service provider are excluded unless transmitted to Stablemate for action.

Quarterly record status

• Q2 2025: Government-request counts not certified from an authoritative operational request register.
• Q3 2025: Government-request counts not certified from an authoritative operational request register.
• Q4 2025: Government-request counts not certified from an authoritative operational request register.
• Q1 2026: Government-request counts not certified from an authoritative operational request register.
• Q2 2026: Government-request counts not certified from an authoritative operational request register.

The earlier Q1 2025 zero statement is withdrawn pending reconciliation to an authoritative legal-request register. "Not certified" does not mean a request was received, and it does not mean zero requests were received.

Stablemate will publish corrected counts when counsel or an authorized records owner certifies the underlying register and any nondisclosure limits. Questions may be sent to legal@stablemate.app.

Last updated: September 2025

This Privacy Policy explains how Stablemate® collects, uses, shares, and protects personal information (“PI”) about members. “Stablemate,” “we,” “us,” or “our” refers to Steady Flow, LLC, doing business as Stablemate. This policy applies to the deployed Stablemate web properties identified in the approved release, including stablemate.app (collectively, the “Sites”). It replaces and merges the prior Privacy Policy and Privacy Rights Notice into one unified policy.

Scope and relationship to other notices

• Cookie Policy: See our Cookie Policy for cookies and similar technologies. Current providers and their approved purposes must be listed in the Sub-Processor Report.
• Security Notice: For technical safeguards and encryption practices, see the Security Notice.
• GDPR Notice: For members located in the European Union or European Economic Area, see our General Data Protection Regulation (GDPR) Notice.

Information we collect

We collect PI from the following sources:

• Directly from you: identifiers, contact details, account credentials, payment information, communications, and content you submit.
• Automatically from your device: IP address, browser type, device identifiers, usage data, geolocation (approximate), and cookie information.
• From service providers: information returned by the payment, communications, mapping, and other providers actually identified in the current Sub-Processor Report for their approved purposes.

How we use information

We use PI to provide, maintain, and secure the Sites and web platform; process bookings and payments; enable member communications; operate service diagnostics and support; comply with law; and honor member preferences. Full details are available in related notices linked above.

Disclosures to service providers and Subprocessors

We disclose PI only to Subprocessors and vendors under written contracts requiring them to protect PI and use it only to provide contracted services. See our Sub-Processor Report for current providers.

Sale and sharing

• We do not sell or exchange PI for money, barter, or any other valuable consideration.
• Stablemate does not currently identify a third-party analytics provider or use cross-context targeted advertising. If a future enabled provider creates a sale or sharing obligation under applicable law, the public notices and required controls must be updated before that use.

Your Privacy Rights

Depending on your state of residence, you may have the following rights under U.S. privacy laws:

1. Access or know specific pieces of PI we hold about you.
2. Correct inaccuracies in your PI.
3. Delete PI we hold about you.
4. Receive a portable copy of PI.
5. Opt out of sale or sharing of PI, including cross-context targeted advertising.
6. Limit the use or disclosure of sensitive PI, where applicable.
7. Be free from discrimination or retaliation for exercising your rights.
8. Appeal our decision if we deny a privacy request.

How to exercise your rights

• Email: Send requests to support@stablemate.app with the subject line “Privacy Rights Request.”
• In-app: Where available, submit requests through Settings › Privacy.

We verify identity before fulfilling requests. If you use an authorized agent (California), we may require proof of authorization and your verification.

Opting out of sale/sharing and targeted advertising

• Browser signals: Where required by applicable law, we honor recognized opt-out preference signals such as Global Privacy Control (GPC).
• Cookies: Adjust settings in our Cookie Policy and your browser or device controls. Choices are device- or browser-specific.

Cookies and similar technologies

We use cookies and similar tools for operations, security, and approved provider integrations. We do not use them for cross-context targeted advertising. Manage your choices in the Cookie Policy or browser and device settings.

Security

We use HTTPS/TLS for transport, authorization and session controls, audit records, and encrypted private-file storage. This does not claim that every database field is encrypted or that provider voice, video, or messaging is end-to-end encrypted. See our Security Notice.

Children and minimum age

Stablemate membership is limited to people 18 years of age or older, or a higher age where applicable law requires it. We do not knowingly accept a member account from a person under 18. If we learn that an ineligible minor created an account, we will close it and handle personal information under applicable law and the retention rules below.

Data retention

We retain PI only as long as necessary to provide services, comply with law, resolve disputes, and protect rights. Retention periods vary depending on data category and purpose.

Third-party websites

Our Sites and web platform may link to external websites or services. Their privacy practices are governed by their own policies, not this Privacy Policy.

Changes to this Privacy Policy

We may update this policy from time to time. Material changes are marked by updating the controlling effective date after legal approval. Continued use of the Sites and web platform after an approved change becomes effective is governed by the applicable notice and consent requirements.

Contacting us

Steady Flow, LLC d/b/a Stablemate

support@stablemate.app

For GDPR matters, see our GDPR Notice. For Subprocessors, see the Sub-Processor Report. For cookies, see the Cookie Policy.