Terms of Service

1. Agreement to Terms

By accessing or using MeetDefender's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this platform.

2. Nature of Services

MeetDefender is a legal and professional services marketplace platform that connects clients with independent attorneys, mortgage agents, lenders, and rental professionals. We also offer a Rental Services module enabling landlord-tenant verification, rent collection, document management, and maintenance tracking. We are NOT a law firm and do NOT provide legal advice or representation. All legal services are provided by independent attorneys who are solely responsible for their professional services.

• MeetDefender does not create an attorney-client relationship between users and MeetDefender
• Any attorney-client relationship is solely between the user and the independent attorney
• MeetDefender is not responsible for the legal advice or services provided by attorneys

3. User Responsibilities

For Clients:

• Provide accurate and truthful information
• Make payments through the platform only
• Communicate respectfully with attorneys
• Comply with your attorney's reasonable requests

For Attorneys:

• Maintain active bar license in good standing
• Provide accurate credentials and qualifications
• Maintain professional liability insurance
• Accept payments through platform only
• Comply with all applicable professional conduct rules
• Update practice areas and verification status promptly

4. Payment Terms

For Clients:

• Clients pay a one-time platform fee for using MeetDefender's matching and verification services
• All payments must be processed through the MeetDefender platform
• Clients are NOT charged any commission fees
• Payments are held in escrow until services are delivered
• Refunds are subject to our Money-Back Guarantee policy

For Service Providers (Attorneys, Lenders, Mortgage Agents):

• First 3 Cases FREE: All service providers receive their first 3 completed cases with full AI access and zero commission
• After 3 Cases: Standard commission rate of 15% applies to all subsequent cases
• Commission applies ONLY after: (a) Provider has completed 3 free cases, AND (b) Provider has signed commission agreement
• Monthly Subscription Required: After completing 3 free cases, providers must subscribe to continue receiving cases and using AI tools
• Review Incentive: Providers who post verified reviews on social media (Google, Facebook, TikTok, Instagram, LinkedIn, YouTube, X, Reddit, Trustpilot) can receive a 25% commission refund for that case
• Commission is never charged without active agreement and subscription
• All payments must be processed through the platform

5. Prohibited Conduct

Users are strictly prohibited from:

• Attempting to bypass the platform for payments or communications
• Sharing false or misleading information
• Harassing, threatening, or abusing other users
• Using the platform for illegal purposes
• Impersonating another person or entity
• Uploading malicious software or harmful content

6. Warning System

Violations of these terms may result in:

• First violation: Warning and documentation
• Second violation: Temporary suspension
• Third violation: Permanent account termination and removal from platform

7. Mandatory Verification Requirement

All attorneys, mortgage agents, and real estate professionals MUST undergo and maintain AI-powered verification:

Initial Verification:

• AI License Validation: Automated verification with state bar authorities or regulatory bodies
• Government-issued ID: Photo ID with live selfie verification
• Professional Credentials: Bar license, NMLS license, or equivalent regulatory documentation
• Background Checks: Where required by jurisdiction
• Professional Liability Insurance: Current proof of coverage

Annual Re-Verification Obligation:

• All professionals MUST undergo annual license re-verification
• Platform automatically triggers re-verification on license anniversary
• Failure to complete re-verification results in automatic case assignment suspension
• Regional/jurisdiction-specific monitoring based on practice areas

Continuous Compliance Monitoring:

• Platform monitors license status 24/7 via regulatory data sources
• Automated alerts for license suspensions, expirations, or disciplinary actions
• Weekly automated checks against state bar databases
• Immediate notification to all parties if issues detected

8. AI Validation Authority

MeetDefender employs AI-based license validation systems that:

• Automatically verify professional licenses with state regulatory authorities
• Cross-reference government ID data with professional credentials
• Flag discrepancies for manual review when AI confidence is below threshold
• Generate verification tokens and audit trails for compliance
• May process license data, regulatory records, and third-party verification sources

By using the platform, you consent to AI processing of your verification data and acknowledge that AI systems may make errors requiring human oversight.

9. Case Assignment Restrictions

Case assignment is AUTOMATICALLY BLOCKED if:

• Professional's verification status is not "VERIFIED"
• Annual re-verification is overdue
• License has expired or been suspended
• Practice area requires bar license and verification is incomplete
• Professional liability insurance has lapsed
• Regulatory authority has flagged disciplinary action

Professionals may NOT bypass this restriction. Case assignment is re-enabled only after successful verification.

10. Suspension & Termination Rules

Automatic Suspension Triggers:

• Failure to complete annual re-verification within 30 days of notice
• License expiration or suspension detected by monitoring system
• False information provided during verification process
• Violation of professional conduct rules or platform policies (per Warning System)
• Failure to maintain professional liability insurance

Permanent Termination:

• Bar license revocation or disbarment
• Third violation of Terms of Service (see Warning System)
• Fraudulent verification attempts
• Criminal conviction affecting professional standing

11. Client Notification Rights

Clients have the right to be notified when:

• Their assigned professional's verification status changes
• License suspension, expiration, or disciplinary action is detected
• Annual re-verification is overdue for their professional
• Case assignment is blocked due to compliance issues
• Professional's account is suspended or terminated

MeetDefender will notify affected clients via email and in-app notification within 24 hours of detection.

12. Platform Audit Rights

MeetDefender reserves the right to:

• Audit professional credentials and verification status at any time
• Request updated documentation or re-verification outside annual cycle
• Access third-party regulatory databases for compliance monitoring
• Review all verification-related communications and documents
• Suspend accounts pending audit completion
• Maintain immutable audit logs of all verification events

13. Disclaimers and Limitations of Liability

MeetDefender provides the platform "AS IS" without warranties of any kind.

• We do not guarantee case outcomes or attorney performance
• We are not liable for actions or omissions of independent attorneys
• We are not responsible for attorney malpractice or negligence
• Our liability is limited to the platform fees paid
• We do not guarantee uninterrupted or error-free service

14. Indemnification

You agree to indemnify and hold harmless MeetDefender from any claims, damages, losses, or expenses arising from your use of the platform or violation of these terms.

15. Dispute Resolution

Any disputes arising from these terms shall be resolved through:

• Good faith negotiation
• Mediation if negotiation fails
• Binding arbitration as final resort

16. Modifications

MeetDefender reserves the right to modify these terms at any time. Continued use of the platform constitutes acceptance of modified terms.

17. Governing Law

These terms are governed by the laws of the United States and the state where MeetDefender is incorporated, without regard to conflict of law provisions.

18. AI Access and Free Tier Policy

Service providers start with full AI access during their 3 free cases:

• AI Chat Assistant
• AI Case Insights and Analysis
• AI Document Drafting
• AI Suggestions and Recommendations
• AI Legal Research Help

After completing 3 free cases:

• All AI features are automatically suspended
• Provider must subscribe to monthly plan to restore AI access
• Provider must sign commission agreement to continue receiving cases
• Blocking message displayed: "You've completed your 3 free cases. To continue using AI tools and receive new cases, please subscribe and agree to the commission structure."

Once subscription is active and commission agreement signed, AI access is immediately restored.

19. Review Incentive Program

Service providers who have paid commission fees can participate in the review incentive program:

• Post a verified review about MeetDefender on approved social platforms
• Accepted platforms: Google, Facebook, TikTok, Instagram, LinkedIn, YouTube, X (Twitter), Reddit, Trustpilot
• Submit proof via screenshot or URL
• Contact refund@meetdefender.com with case and payment details
• Upon admin approval, receive 25% refund of commission paid for that case
• Reviews must be genuine and comply with platform posting policies
• Fake or fraudulent reviews result in immediate account termination

20. PII Protection & Gated Access Policy

To protect both clients and service providers, all contact information is strictly gated:

• Step 1 — Engagement Fee: Client pays the platform engagement fee. AI matching begins. Provider can see anonymized case details only. No names or contact info visible.
• Step 2 — Quote Acceptance & Payment: Provider submits a quote through the portal. Client pays the quote. Only at this point are full contact details revealed to both parties.
• Zero Tolerance for Bypassing: Any attempt to share contact information via messages, documents, or any off-platform channel before payment completion constitutes a Terms violation and results in an immediate account red flag, matching block, and team notification.
• Reputation System: Red flags are permanent and associated with the individual's or business's name, not just the account. Future clients and providers will see the flag.

21. Document Version Control Policy

• All shared legal documents are subject to version control on the platform
• Attorneys may propose document revisions; each revision is stored as a new version
• Client e-signature is required for every version before the document is marked final
• Clients may reject a proposed version and request revisions
• Document revision history is permanently stored and available to both parties
• Documents shared or signed outside the platform are not governed by this policy

22. Dispute Resolution Workflow

Either party may raise a formal dispute for:

• Invoice line items or billing amounts
• Case terms or engagement letter terms
• Service quality or timeline disagreements
• Document content disputes

Upon raising a dispute, a mediated chat window opens between the client, provider, and a platform auditor. All messages in the mediation thread are logged. Disputes may be resolved, escalated, or dismissed by administrators. MeetDefender's dispute mediation applies only to platform-related billing and terms — not legal strategy or case outcomes.

23. AI Milestone Timeline Policy

• AI-generated timelines are estimates based on case type, jurisdiction, and historical patterns
• Timelines do not constitute legal advice or binding commitments
• Actual case duration may vary significantly based on court schedules, opposing party actions, and legal complexity
• Attorneys may update milestone completion status as the case progresses
• Predicted completion dates are for planning purposes only

24. Case Task Checklist & Deadline Reminders Policy

Automated task management is included for all active cases:

• Pre-defined task checklists are automatically generated based on case type at the time of case acceptance
• Available case type templates: divorce, immigration, criminal, traffic, real estate, small claims, rental, wills & estates, paralegal
• Attorneys receive daily automated email reminders for any overdue tasks
• Clients can view the task checklist and track progress from their portal (read-only)
• Attorneys may add custom tasks in addition to auto-generated items
• Task status updates are logged with timestamps for audit and accountability
• Automated reminders do not substitute for attorney professional judgment or statutory deadline compliance

25. Discovery Call & Booking Policy

Client booking is available for all active cases with an assigned attorney:

• Clients may book discovery calls (30 min), full consultations (60 min), or video meetings (45 min) based on attorney availability
• Available time slots are calculated from attorney-defined weekly schedules and buffer times
• Upon booking confirmation: a calendar event is created, a confirmation email with a meeting link is sent to both parties
• Meeting links are auto-generated unique URLs for the MeetDefender meeting room
• Bookings can only be made for active cases with an assigned attorney — no cold bookings
• Attorneys are responsible for attending booked sessions or notifying the platform of cancellations
• Rescheduling requests must be made at least 24 hours in advance

26. Client Billing Portal Policy

• Clients may view all invoices, payment history, and outstanding balances from their Client Portal under the Billing tab
• Payments through the Client Portal are processed securely via Stripe
• Automated email receipts are sent to the client's registered email upon every successful payment
• Invoices are created by the attorney and emailed automatically to the client with a PDF attachment
• Platform commission is calculated and retained automatically from attorney-received payments
• Billing records are available for 7 years minimum from the client portal
• Payment disputes should be raised through the platform Dispute Resolution system before initiating chargebacks

27. Contact Information

For questions about these Terms of Service, contact us at:

Email: legal@meetdefender.com
Billing & Refunds: refunds@meetdefender.com
Review Incentive: refund@meetdefender.com
Privacy: privacy@meetdefender.com
Address: [Company Address]

Last Updated: April 4, 2026.