Terms of Service

Last updated: 2026-04-18

These Terms of Service ("Terms") govern your access to and use of repblend.com and the services offered by Repblend Inc., a British Columbia corporation ("RepBlend," "we," "us"). By using the site or signing up for an account, you agree to these Terms. If you don't agree, don't use the service.

1. What RepBlend is

RepBlend is a marketplace and payment-routing platform. We connect merchants who list products with independent sales representatives who promote them, and we automate the commission-routing mechanics through Stripe.

• A marketplace where merchants list products and sales representatives self-enlist to promote them.
• Payment-routing automation — when a customer pays through a RepBlend-generated Stripe Payment Link, we coordinate with Stripe to deduct our 5% platform fee and route the originating rep's commission to their Stripe account.

We are not a sales organization. Representatives who use RepBlend sell other companies' products; RepBlend's business is the marketplace software and payment-routing infrastructure, not the selling.

2. Two companion agreements

Depending on how you use RepBlend, one or both of these additional agreements apply to you and control over these Terms where there's conflict:

• Representative Agreement — if you sign up as a sales representative to promote merchants' products through RepBlend. You accept this agreement during rep onboarding.
• Merchant Agreement — if you sign up as a merchant to list products in the RepBlend marketplace. You accept this agreement during merchant onboarding.

Representatives are independent sellers — not employees or contractors of RepBlend, and not employees or contractors of any merchant. Reps choose which products to promote, set their own schedules, use their own distribution channels, and bear their own business costs. Merchants are customers of the marketplace.

2a. Agent-of-payee designation (US law)

For US purposes: merchants and representatives each designate RepBlend as their limited agent for the purpose of routing commission payments. Representatives designate RepBlend to receive commission shares on the representative's behalf; merchants designate RepBlend to direct the commission portion of application fees to the originating representative. This dual-agent designation activates the agent-of-payee exemption in US state money-transmission law, including the Money Transmission Modernization Act (adopted in ~31 states), California Financial Code §2010, and Texas Finance Code §152.004. This designation is limited to the specific routing function and does not make RepBlend any party's general agent.

3. Stripe as the regulated rail

All fund movements — customer payments to merchants, application-fee splits, and commission routing to representatives — happen on Stripe's licensed infrastructure. Stripe is a licensed money transmitter in all US states and a registered money services business in Canada (FINTRAC #M18182925). RepBlend is a marketplace platform operating on Stripe's rails; RepBlend does not hold funds as custodian, escrow, or deposit-taking institution. Commission amounts transit through our Stripe platform balance briefly — solely to effect the onward routing to the representative as the representative's agent (see §2a) — as an incidental function of the marketplace service, consistent with Bank of Canada supervisory policy on online marketplaces (December 2025) and with US agent-of-payee exemptions.

When you connect your Stripe account through RepBlend, you also accept Stripe's Connected Account Agreement. Nothing in these Terms modifies that Stripe-direct relationship.

4. Eligibility

• You must be at least 18 years old and capable of entering a binding contract.
• You must not be on a sanctions list or located in a jurisdiction under comprehensive US or Canadian sanctions (including but not limited to Cuba, Iran, North Korea, Syria, and Crimea/Donetsk/Luhansk).
• Quebec residents: until we notify otherwise, RepBlend does not onboard merchants or representatives whose primary jurisdiction is Quebec, Canada (temporary geofence tied to Quebec Autorité des marchés financiers licensing work).
• Florida residents: RepBlend may limit or decline merchant or representative activity targeting Florida-resident customers. Florida does not recognize the agent-of-payee exemption that applies in most other US states; we monitor Florida activity and may activate a geofence if material activity emerges.

5. Account signup, accuracy, and security

• You provide truthful, accurate, and current information at signup.
• You're responsible for keeping your account credentials secure and for any activity under your account.
• We use email-based magic-link authentication and, separately, Stripe OAuth for merchants. Protect your email inbox accordingly.

6. Restricted products and markets

Merchants may not list:

• Regulated products requiring licenses the merchant does not hold (alcohol, tobacco, cannabis, prescription pharma, firearms, securities, lending, insurance).
• Adult content.
• Anything on Stripe's Restricted Businesses list.
• Anything that, in our reasonable judgment, poses disproportionate chargeback, fraud, or regulatory risk.

7. Fees

• Merchants pay RepBlend a 5% platform fee on each sale completed through a RepBlend-generated Payment Link, plus the rep commission rate the merchant set (which RepBlend routes to the originating rep as agent). Collected via Stripe's application-fee mechanism as a combined deduction.
• Representatives receive commissions routed via Stripe Transfer from RepBlend's platform balance to the representative's Stripe Express account. Rep's Stripe balance is subject to a standard payout delay (14 days for established reps, 30 days for reps in their first 90 days) before Stripe sends funds to the rep's bank.
• 30-day clawback window: refunds or disputes finalized within 30 days of the originating charge reverse the rep commission and refund the platform fee. After 30 days, refunds are the merchant's financial responsibility — rep commissions and platform fees are not reversed. Reps are compensated for closing the sale; post-window product-performance issues are the merchant's domain.
• We may change the platform-fee rate on 30 days' notice. Commission rates on a specific product are set by the merchant.

8. Acceptable use

You won't use RepBlend to:

• Violate any law.
• Make false, misleading, or unsubstantiated claims about any product, merchant, or representative. Representatives explicitly indemnify RepBlend for claims about products they promote.
• Impersonate any person, merchant, representative, RepBlend itself, or any third party.
• Interfere with the platform's security, integrity, or availability (no scraping beyond rate limits, no probing, no abuse of the API).
• Reverse-engineer, decompile, or extract source code from the service except as expressly permitted by law.
• Use the service to spam, phish, or distribute malware.
• Circumvent our fee mechanism or route platform revenue around RepBlend.

9. Intellectual property

The RepBlend platform, brand, site content, and software are owned by Repblend Inc. or licensed to us. We grant you a limited, revocable, non-exclusive, non-sublicensable license to use the platform for its intended purpose during the term of your account.

Content you upload (product descriptions, logos, pitch pages, rep marketing content) remains yours. You grant RepBlend a non-exclusive, worldwide, royalty-free license to host and display that content in the platform for the duration of your account.

10. Privacy

How we collect, use, and protect personal information is set out in our Privacy Policy, which is incorporated into these Terms by reference.

11. Disclaimers

The service is provided "as is" and "as available." We don't warrant that it will be uninterrupted, error-free, or will achieve any particular sales volume, earnings, or outcome.

RepBlend does not guarantee or endorse merchants' products, representatives' marketing content, or any transaction completed on the platform. Each transaction is between the customer and the merchant.

12. Limitation of liability

To the maximum extent permitted by law:

• RepBlend is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits.
• RepBlend's aggregate liability to you under these Terms is capped at the greater of (a) USD $1,000 or (b) the total amount you paid RepBlend (merchants) or received from RepBlend (representatives) in the 12 months before the claim.

13. Termination

Either party may terminate an account on written notice (email suffices). Details of termination and effect on active subscriptions are in the Representative Agreement and Merchant Agreement respectively. We may suspend or terminate immediately for breach of §§6, 7, or 8.

14. Governing law and disputes

These Terms are governed by the laws of British Columbia, Canada and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. Exclusive jurisdiction is in the courts of Vancouver, BC.

By either party's election, disputes may be resolved by binding arbitration in Vancouver, BC, under the BC International Commercial Arbitration Act or (by agreement) the American Arbitration Association Commercial Rules. Class actions are waived to the extent permitted by law.

15. Changes to these Terms

We may update these Terms on 30 days' notice (by email to the address on your account or by publishing an updated version at this URL). Continued use after the effective date means you accept the changes. If you object, your remedy is to terminate your account.

16. Contact

Questions about these Terms: trav@repblend.com. For privacy-specific requests (access, correction, deletion), use the contact in our Privacy Policy.

These Terms are a plain-English framework. The binding detail for signed-in users lives in the Representative Agreement and Merchant Agreement, which you accept at signup.