Fifteen Terms of Service

Effective date: June 6, 2026 Last updated: June 6, 2026

These Terms of Service ("Terms") form a binding agreement between you and OHOUSE LLC ("Fifteen," "we," "us," or "our"), which operates the Fifteen mobile application and the website at grabfifteen.com (together, the "Service").

Please read these Terms carefully. By creating an account, or by accessing or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

PLEASE NOTE. Section 14 (Dispute Resolution and Arbitration) requires most disputes to be resolved through individual binding arbitration and contains a class-action waiver. These Terms also disclaim warranties and limit our liability. Read those sections carefully.

1. What Fifteen is (and isn't)

Fifteen lets people have paid, private conversations. There are two roles:

• A sender requests a conversation with another person and pays for it in advance.
• A receiver sets a price for their time, accepts or declines incoming requests, responds, and gets paid.

Any user can act as a sender or a receiver, and you can move between the two roles. Fifteen provides the messaging, payment, and notification features that support these conversations.

Fifteen is not a party to the conversations between users. We do not provide advice, expertise, or professional services, and we do not supervise, employ, or control receivers. Receivers are independent individuals. They are not employees, partners, or agents of Fifteen or of one another, and each receiver alone decides whether to accept a request and how to respond.

Fifteen is not a bank and does not provide banking, money-transmission, or escrow services. Our third-party payment processor (currently Stripe) handles and moves all funds. Fifteen does not separately hold or take custody of your funds outside of that processor. See Section 6.

2. Who can use Fifteen

To use Fifteen, you must:

• Be at least 18 years old;
• Have the legal capacity to enter into a binding contract; and
• Not be barred from using the Service under the laws of the United States or any other applicable jurisdiction.

The Service is currently offered to users located in the United States. You are responsible for complying with the laws that apply to you.

By using Fifteen, you represent that you meet these requirements. If you use Fifteen on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

3. Your account

You create an account to use most features. You can register with an email and password, or with Sign in with Apple or Sign in with Google.

You agree to:

• Provide accurate, current, and complete information;
• Keep your login credentials confidential and secure;
• Be responsible for all activity under your account; and
• Notify us promptly at team@grabfifteen.com if you suspect unauthorized use.

You may hold only one account unless we agree otherwise. We may refuse, suspend, or reclaim usernames, profile links, and accounts at our discretion, including any that are misleading, infringing, or inactive.

4. How Fifteen works

Receiver mode

As a receiver, you can:

• Set your price per conversation (within the limits in Section 6);
• Add an optional profile (name, photo, bio, areas of expertise, and credentials);
• Generate a shareable link to post wherever you like; and
• Turn receiving on or off, and accept or decline any request for any reason.

Your profile, ratings, and reviews may be visible to anyone who has your link. Do not list credentials, specialties, or claims that are not true (see Section 9).

Sender mode

As a sender, you:

• Add a receiver using their Fifteen link;
• Write your request and pay the receiver's price in advance; and
• Begin the conversation if the receiver accepts.

Conversations

Conversations are private between the two participants. A conversation is tied to the paid request, and the number of exchanges or the length of the conversation may be limited. We may end or limit a conversation that violates these Terms.

5. Receiver responsibilities and quality standard

As a receiver, you agree to:

• Respond in good faith to requests you accept;
• Provide genuine, good-quality service that reflects the price you set and the expertise you advertise;
• Respond within a reasonable time; and
• Be honest about who you are and what you offer.

To keep Fifteen safe and trustworthy, if you accept a request and then fail to respond, act in bad faith, or provide service that falls materially short of what you advertised, Fifteen may, at its discretion, refund the sender in whole or in part and may warn, suspend, limit, or permanently ban your account. Where we issue such a refund, we may reverse or withhold the related payout as described in Section 7. Repeated or serious problems may result in permanent removal. These are measures we may take to protect the community; they do not make Fifteen responsible for any receiver's conduct (see Section 8). You are responsible for the tax and legal consequences of the income you earn (see Section 6).

6. Payments, fees, and payouts

Payment processing

Our third-party payment processor (currently Stripe) handles payments and payouts. When you use Fifteen's payment features, you also agree to the applicable processor's terms. For Stripe, those are the Stripe Services Agreement and, for receivers, the Stripe Connected Account Agreement. We may add or change payment providers over time.

Fifteen does not collect or store your full card number or bank account number; you provide that information directly to the payment processor. Receivers complete identity and bank verification (known as "Know Your Customer") directly with the processor, and we receive only the status and identifiers we need to operate the Service.

Independent receivers

Receivers act as independent providers. They are responsible for their own taxes, for any business or professional licenses they need, and for complying with the laws that apply to them. Fifteen does not withhold taxes from payouts.

Prices

Receivers set their own price per conversation. Prices are in U.S. dollars and must currently be between $15 and $2,500 per conversation. We may change these limits over time.

How and when senders are charged

When you send a request, you authorize payment of the receiver's price in advance, using a payment method made available through our processor.

• If the receiver accepts, your payment is captured and the conversation begins.
• If the receiver declines, or does not accept within the allowed time (currently 14 days), the request expires, the authorization is released, and you are not charged.

Platform fee

Fifteen charges a platform fee, currently 15% of the conversation price, deducted from the receiver's earnings. On a $100 conversation, for example, the receiver receives $85 and Fifteen retains $15. We may change the platform fee prospectively with notice. The fee that applies to a conversation is the fee in effect when the request is accepted.

Payouts

We transfer the receiver's earnings, net of the platform fee, within about 7 days after the conversation ends. Most payouts go sooner. A conversation ends in three ways: the receiver uses the last response the sender paid for, either party ends it, or neither party sends a message for several days. We hold the earnings during that period so that we can settle a refund or a dispute raised in that time before the money leaves. Where a refund or dispute is open, we may hold the payout until it is resolved.

Payouts are also subject to the payment processor's own payout schedule and verification requirements. We are not responsible for delays caused by the processor or by a receiver's failure to complete verification.

Your payout screen shows the expected date for each payout.

Taxes

You are solely responsible for determining, collecting, reporting, and paying any taxes on your use of the Service, including taxes on income you earn as a receiver. Depending on your activity, Fifteen or our payment processor may report your earnings to tax authorities and provide tax forms, such as a Form 1099, where the law requires.

Payments are not in-app purchases

Conversations are real-world services between people. They are not digital content sold through Apple's in-app purchase system. Apple is not the seller and is not responsible for payments, refunds, or the conversations.

7. Refunds and cancellations

• Declined or expired requests. If a receiver declines your request, or does not accept it within the allowed time, the charge is never completed and you are not charged. There is nothing to refund.
• After a request is accepted. Payments are generally non-refundable, except (a) at Fifteen's discretion, including where a receiver fails to respond or provides materially deficient service as described in Section 5, or (b) where the law requires a refund.
• Stop engaging if you want a refund. If you are unhappy with a receiver and may want a discretionary refund, end the conversation and do not start new paid conversations with that receiver. If you continue to engage that receiver, for example by continuing the conversation or paying for new sessions with them after the conversation you are unhappy about, we will generally treat that as confirmation that you were satisfied and will decline a discretionary refund for the earlier conversation. This does not affect any refund the law requires.
• When we refund you, we make you whole. If we issue a full refund, you receive the full amount you paid; we do not deduct payment-processing fees from your refund.
• Recovering refunded amounts from receivers. When we refund a sender for a conversation, we may reverse or withhold the corresponding payout to the receiver, recovering the amount we transferred to that receiver for that conversation. We do not seek to recover more than the receiver actually received. Where a refund results from a receiver's failure to respond, bad faith, or materially deficient service, we may also pass through to that receiver any non-refundable payment-processing fees we incur on the refund, recovered from their current or future payouts.
• Card and bank disputes. If you believe a charge is wrong, please contact us first at team@grabfifteen.com; we can often resolve it faster than a formal dispute. Nothing in these Terms limits your right to dispute a charge with your bank or card issuer.

A discretionary refund in one instance does not entitle you to a refund in any other instance. None of the above affects refund rights you may have under applicable law.

8. Sender responsibilities and assumption of risk

You decide who you contact, and that decision is yours alone. Fifteen does not verify, endorse, vet, or guarantee any receiver's identity, qualifications, credentials, licenses, or expertise, or the accuracy, quality, usefulness, or outcome of anything a receiver says.

As a sender, you agree that:

• You are solely responsible for verifying who you are contacting and for deciding whether to rely on them;
• You assume all risk arising from your conversations and from any decision you make based on them;
• If a receiver's responses are not useful or valuable to you, that is a matter between you and the receiver and, except for the discretionary refund rights in Sections 5 and 7, is your responsibility and not Fifteen's; and
• Nothing on Fifteen is professional advice. Conversations may contain personal opinions and are not a substitute for professional legal, financial, medical, tax, or other licensed advice. Consult a qualified professional before you act.

This Section does not limit Fifteen's discretion to refund senders or to discipline receivers under Sections 5 and 7. Those are rights we may exercise to protect the community, not guarantees we make to you.

9. Acceptable use — what you may not do

You agree not to use Fifteen, and not to help anyone else use Fifteen, to do any of the following:

Illegal and harmful activity

• Break any law or regulation, or facilitate, plan, promote, or carry out any criminal activity;
• Engage in fraud, scams, deceptive practices, money laundering, terrorist financing, sanctions evasion, or any attempt to launder, conceal, or move the proceeds of unlawful activity;
• Buy, sell, advertise, or facilitate anything illegal, including illegal drugs, weapons, stolen goods or data, counterfeit items, or sexual services;
• Sexually exploit or endanger a minor, or share child sexual abuse material;
• Threaten, harass, stalk, defame, bully, or incite violence against anyone, or promote hate or discrimination.

Regulated and professional services

• Provide services that require a professional license or registration (such as legal, medical, mental-health, financial, investment, tax, or immigration services) unless you hold every license and registration the law requires and you comply with all rules that govern that profession;
• Hold yourself out as licensed, certified, or credentialed when you are not.

Misuse of the Service

• Send spam or unsolicited bulk messages;
• Impersonate any person or organization, or misrepresent your identity, credentials, or affiliation;
• Infringe anyone's intellectual property, privacy, publicity, or other rights, or share someone else's private or confidential information without permission;
• Avoid fees, route payments off-platform to evade our fees, or manipulate prices, reviews, or ratings;
• Probe, scrape, reverse engineer, interfere with, overload, or attempt to gain unauthorized access to the Service, other accounts, or our systems;
• Introduce malware, or use bots or automated means to access the Service except as we expressly permit;
• Use the Service to compete with us or to build a similar product.

We may investigate suspected violations and cooperate with law enforcement. We may remove content, restrict features, or suspend or terminate accounts that violate this Section, with or without notice. You will not bypass any measures we use to restrict access.

10. Your content

"Your content" means anything you submit through the Service, including your profile, messages, requests, reviews, feedback, and photos.

• You own your content. You keep the rights you already have in it.
• License to operate the Service. You grant Fifteen a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and process your content solely to provide, secure, support, and improve the Service, such as delivering your messages to the other participant, showing your profile to people who have your link, and displaying reviews. This license ends when your content is deleted, except as described in our Privacy Policy (for example, where we must keep records by law) and except for copies kept in routine backups.
• Your responsibility. You are responsible for your content and represent that you have the rights to share it and that it does not violate these Terms or any law.
• Reviews. Reviews must be honest and based on a genuine interaction. We may remove content that violates these Terms or that we reasonably believe is unlawful, fraudulent, or abusive, but we have no obligation to monitor content.

11. Intellectual property

The Service, including the Fifteen name, logo, software, design, and content we provide, is owned by OHOUSE LLC and its licensors and is protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Fifteen app for its intended purpose, subject to these Terms. You may not copy, modify, distribute, sell, or create derivative works from any part of the Service except as expressly allowed.

If you send us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or obligation to you.

12. Copyright and DMCA policy

We respect intellectual property rights and expect you to do the same. If you believe content on the Service infringes your copyright, send a notice to our designated agent containing the information the Digital Millennium Copyright Act (DMCA) requires:

• Your physical or electronic signature;
• Identification of the copyrighted work you claim is infringed;
• Identification of the material you claim is infringing and where it is located on the Service;
• Your name, address, telephone number, and email;
• A statement that you have a good-faith belief the use is not authorized by the owner, its agent, or the law; and
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or are authorized to act on the owner's behalf.

Designated copyright agent: Copyright Agent, OHOUSE LLC — team@grabfifteen.com; 7627 Lake Street, Suite 206 PMB 1114, River Forest, IL 60305, United States.

If your content is removed, you may send a counter-notice with the information the DMCA requires. We terminate the accounts of repeat infringers in appropriate circumstances.

13. Third-party services

The Service relies on and links to third parties, including our payment processor (Stripe), Apple (the App Store, push notifications, and Sign in with Apple), and Google (Sign in with Google). Your use of those services is governed by their own terms and privacy policies. We are not responsible for third-party services, and your dealings with them are between you and that third party.

14. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY; IT AFFECTS YOUR LEGAL RIGHTS. It requires you and Fifteen to resolve most disputes through individual binding arbitration rather than in court, and it waives your right to participate in a class action. You may opt out within 30 days, as explained below.

Talk to us first (required)

Most issues can be resolved quickly. Before starting arbitration or any other formal proceeding, you agree to first send a written description of the dispute to team@grabfifteen.com and give us 60 days to resolve it informally. We will do the same for any dispute we have with you. This informal step is a condition of starting arbitration, and the deadline to bring a claim is paused while the parties work through it.

Agreement to arbitrate

If we cannot resolve a dispute informally, you and Fifteen agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration on an individual basis, rather than in court, except as stated below. Arbitration is administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Any in-person hearing will take place in the U.S. county where you live or work, unless you and we agree otherwise; the arbitration may instead proceed by phone, by video, or on written submissions under the AAA rules. The arbitrator's decision may be entered as a judgment in any court with jurisdiction. We will pay the arbitration fees the AAA rules require us to pay.

Exceptions

This arbitration agreement does not apply to:

• Claims that qualify for small-claims court, which you or we may bring individually; and
• Requests for an injunction or other equitable relief to stop unauthorized use, infringement, or misuse of the Service or intellectual property.

Class-action waiver

You and Fifteen each agree to bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not preside over any class or representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim, and only that claim, will be severed and may proceed in court.

Coordinated or "mass" filings

If 25 or more similar arbitration demands are filed by or with the coordination of the same or coordinated counsel, the parties agree to handle them in batches to keep the process efficient and fair. Counsel will group the demands into batches of up to 50, the AAA will appoint one arbitrator per batch, and a single set of filing fees will apply per batch. The parties may use an initial group of "bellwether" cases to try to resolve the rest, and the deadline to bring any demand not yet in a batch is paused while batches proceed. This provision does not waive anyone's individual rights; it governs only how coordinated filings are sequenced.

Your right to opt out

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing team@grabfifteen.com with your name, the email on your account, and a clear statement that you want to opt out of arbitration. Opting out will not affect any other part of these Terms.

Governing law and venue

These Terms and any dispute are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules, and by applicable U.S. federal law (including the Federal Arbitration Act). Nothing here removes any protection of your home state's law that cannot be waived. For any dispute not subject to arbitration, you and Fifteen agree to the jurisdiction of the state and federal courts located in Illinois, except where your home state's law entitles you to bring the claim where you live.

15. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, FIFTEEN DISCLAIMS ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Fifteen does not warrant that the Service will be uninterrupted, secure, or error-free, that messages will always be delivered, or that any defect will be corrected. Fifteen does not endorse any user and makes no warranty about any receiver's identity, qualifications, or conduct, or about the accuracy, quality, safety, legality, or usefulness of any conversation. You use the Service, and interact with other users, at your own risk.

Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.

16. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• FIFTEEN AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS.
• FIFTEEN IS NOT LIABLE FOR THE CONDUCT OF ANY USER, FOR ANYTHING SAID OR DONE IN A CONVERSATION, OR FOR ANY DECISION YOU MAKE BASED ON A CONVERSATION.
• FIFTEEN'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO, OR THAT WAS DEDUCTED FROM YOUR PAYOUTS BY, FIFTEEN IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100.

These limits apply even if a remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations (for example, for gross negligence, willful misconduct, fraud, or personal injury), so some of the above may not apply to you.

17. Indemnification

You agree to indemnify and hold harmless OHOUSE LLC and its owners, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your content; (c) your conversations or other interactions with users; (d) your violation of these Terms or any law; or (e) your violation of anyone else's rights. We may assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense.

18. Suspension and termination

By you. You may stop using the Service at any time and delete your account from within the app's settings. Deletion is handled as described in our Privacy Policy.

By us. We may suspend or terminate your access, with or without notice, if we reasonably believe you have violated these Terms, created risk or legal exposure for us or others, or engaged in fraud, illegal activity, bad-faith conduct, or repeated poor service. We may also discontinue the Service or any feature at any time.

Effect. When your account ends, your right to use the Service stops. Any provision that by its nature should survive termination will survive, including Sections 6 (amounts owed and payment terms), 7, 8, 10, 11, 12, and 14 through 23. We will handle your data after termination as described in our Privacy Policy, including keeping records we are required to keep.

19. Electronic communications and consent to electronic records

By using the Service, you consent to receive communications from us electronically, by email, by in-app message, or by posting on the Service, and you agree that the agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing. You may withdraw this consent by closing your account, but some communications are necessary to use the Service. Please keep your contact information current so that we can reach you.

20. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will take reasonable steps to notify you (for example, by in-app notice or email) before they take effect. The "Last updated" date above shows when the Terms last changed. By continuing to use the Service after changes take effect, you agree to the updated Terms. If you do not agree, stop using the Service and delete your account.

21. Apple App Store — additional terms

These Terms are between you and OHOUSE LLC, not Apple, and Apple is not responsible for the Service or its content. To the extent you obtain the app through the Apple App Store, you acknowledge that:

• Apple has no obligation to provide maintenance or support for the app;
• To the maximum extent permitted by law, Apple has no warranty obligation, and any claims relating to the app are between you and OHOUSE LLC;
• Apple is not responsible for addressing any claims relating to the app, including product-liability, legal or regulatory, or intellectual-property claims; and
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

You also represent that you are not located in a country subject to a U.S. Government embargo or designated as "terrorist-supporting," and that you are not on any U.S. Government restricted-party list.

22. General

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Fifteen about the Service and replace any prior agreements.
• Severability. If any provision is found unenforceable, the rest stays in effect.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms without our consent. We may assign them, for example in connection with a merger, acquisition, or sale of assets.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Notices. We may give you notice by in-app message, email, or posting on the Service. You can reach us at the contacts below.

23. Contact us

OHOUSE LLC (Fifteen) Contact: team@grabfifteen.com Mailing address: 7627 Lake Street, Suite 206 PMB 1114, River Forest, IL 60305, United States Website: https://grabfifteen.com