Terms of Service

Effective September 16, 2026

These terms are an agreement between you and Clipper Connect LLC, doing business as Cortigo. Please read them: section 17 limits what we owe you if something goes wrong, and section 19 says that most disputes are settled by individual arbitration rather than in court, which you can opt out of within 30 days.

1. Who we are, and what these terms cover

Cortigo is operated by Clipper Connect LLC, a limited liability company doing business as Cortigo, of 1920 McKinney Ave, Floor 7, Dallas, TX 75201, United States ("Cortigo", "we", "us"). These Terms of Service (the "Terms") cover the Cortigo websites, the Cortigo mobile apps, and everything we offer through them (the "Service").

By creating an account, booking an appointment, applying to a school, or otherwise using the Service, you accept these Terms. If you do not accept them, do not use the Service.

If you use the Service for a business, a school or any other organization, you confirm you are authorized to accept these Terms on its behalf, and "you" means both you and that organization.

2. Who may use the Service

You must be at least 18 years old to hold a Cortigo account. A parent or legal guardian may book an appointment for a minor, and is responsible for that booking, for the minor's attendance and for any amounts due.

A school may enroll a student under 18 where its own admission rules and the law allow. The enrollment agreement in that case is between the student or their guardian and the school, not with us.

We may decline to provide the Service to anyone, and may close or limit an account that breaks these Terms or that we are required by law to close.

3. What Cortigo is, and what it is not

Cortigo is a booking and management platform. The haircuts, beauty services, courses and everything else you book through it are provided by independent businesses and schools ("Providers"). When you book, the agreement for that service is between you and the Provider. We are not a party to it.

We do not employ Providers or their staff, set their prices, supervise their work, or verify their licenses, insurance or qualifications beyond what the law requires of us. We do not provide barbering, cosmetology, beauty, medical or educational services ourselves.

Where a payment is taken through the Service, we take it as the Provider's limited payment collection agent, as described in section 8.

4. Your account, and signing in with your number

Cortigo accounts are keyed to a US mobile number and have no password: we text you a one-time code each time you sign in. Give us a number you own or control, keep it up to date, and keep your handset secure.

Anyone who can receive texts at your number can sign in as you. Mobile numbers are also recycled by carriers, and we have no way to know that yours has been until you tell us. So tell us at contactus@cortigo.com as soon as you give up a number, lose the handset, or believe someone else is receiving your codes, and we will stop texting it.

One number is one account. Do not enter a number you do not control, do not share your account, and do not let anyone else use it. What happens under your account is your responsibility.

5. Communications from us

You agree that we may give you notices, disclosures, agreements, receipts and anything else the law says must be "in writing" electronically - by text, email, push notification, or by showing them to you in the Service - and that doing so satisfies that requirement.

You can withdraw that agreement by writing to contactus@cortigo.com, but an account that cannot receive a sign-in code cannot be signed in to, so parts of the Service will stop working for you.

7. Bookings, cancellations and no-shows

A booking reserves a time with a Provider. The price, any deposit, the cancellation window and any late-cancellation or no-show fee are set by that Provider and shown to you before you confirm.

Cancel or reschedule through the Service, or contact the Provider. If you cancel late or do not turn up, the Provider may charge the fee its policy sets out, and we may collect it on their behalf using the payment method you gave.

A Provider may cancel or move an appointment. We will tell you when that happens, but the appointment, and anything you are owed for it, remains between you and the Provider.

A waitlist offer is not a booking. Slots go to whoever accepts first.

8. Prices, payment and refunds

Prices are set by Providers and shown in US dollars, with tax as indicated at checkout. Payments are processed by Stripe; your card details go to Stripe and full card numbers never reach our servers. Using that processing means also accepting Stripe's own terms.

Where we collect a payment for a Provider, we do so as their limited payment collection agent, and paying us discharges what you owe the Provider for that amount, whether or not we have paid it on to them yet.

Refunds are the Provider's decision under their own policy. We process refunds a Provider approves, back to the payment method you used.

If you think a charge is wrong, contact us or the Provider before asking your bank to reverse it. We may suspend an account with an unresolved chargeback until it is settled.

What a Provider pays Cortigo for using the Service is set out in the separate agreement it accepts when it signs up, not here.

9. If you are a shop or a school

Everything in this section is in addition to the rest of these Terms.

Keep your listing, your prices, your policies and your availability accurate. Hold and keep current every license, registration, insurance and qualification your trade requires, and follow the law that applies to you - including state barbering and cosmetology board rules, school licensing and accreditation rules, employment law and tax law. We do not verify any of it for you.

Numbers you add. You may add a person's mobile number to Cortigo only if that person gave it to you themselves and agreed to receive account and appointment texts about their dealings with you. Keep your own record of when and how they agreed. Never upload a purchased, rented, scraped or inherited list. Tell us promptly when someone withdraws their agreement, and do not add them again. You are responsible for every number you add, and you indemnify us under section 18 for claims arising from a number added contrary to this paragraph.

Your staff. Accounts you create for your team are your responsibility: what they do with the Service, and what they do with the customer information it holds, counts as yours.

Your customers' information. Use it only to provide your own services and to meet your own legal duties. Honor requests to stop messaging or to delete information, and comply with the privacy and marketing laws that apply to you.

Getting paid. Payouts run through Stripe Connect. You must complete Stripe's identity and business verification and keep it current; Stripe's connected-account terms apply to you directly, and payouts it holds or reverses are governed by them.

We may suspend a Provider account that breaks these Terms, that we reasonably believe is being used unlawfully, or that exposes customers or us to risk.

10. What you post

Anything you upload or write - photos, listings, reviews, messages - stays yours. You give us a worldwide, non-exclusive, royalty-free license to host, store, copy, reformat and display it so we can run and promote the Service, for as long as you keep it on the platform.

You confirm you have the right to post what you post, and that it does not infringe anyone's rights or break the law. A review must describe a genuine experience; do not write, buy or reward fake ones.

We may remove anything that breaks these Terms, and are not obliged to keep a copy of it for you.

11. Acceptable use

Do not use the Service to:

• break the law, or help anyone else do so;
• enter a mobile number you do not own or control;
• impersonate anyone, or misrepresent who you work for;
• harass, threaten or abuse another user, a Provider or our staff;
• send anything unlawful, deceptive, obscene or hateful;
• scrape, crawl, mine or bulk-export data from the Service;
• copy, decompile or reverse-engineer the Service, or work around any limit or security control in it;
• overload, disrupt or probe the Service or the networks it runs on;
• resell or sublicense access, or build a competing product from it;
• upload malware, or anything designed to damage or intercept.

12. Our intellectual property

The Service, its software, design, text and the Cortigo name and logo belong to us or to the people we license them from. We give you a limited, revocable, non-transferable right to use the Service as it is meant to be used, and nothing else. Do not use our name or logo without our written permission.

If you send us an idea or a suggestion, we may use it without owing you anything for it.

13. Privacy

What we collect and what we do with it is set out in our Privacy Policy, which forms part of these Terms.

Text-message opt-in data and the consent behind it are never shared with third parties for their own marketing, and we do not sell personal information.

14. Services we rely on

The Service uses other companies to work: Stripe for payments and payouts, mobile carriers and messaging providers to deliver texts, Google, Apple and Microsoft for calendar sync and push notifications, and mapping providers for locations. Their own terms govern what they do, and we are not responsible for their acts or outages.

15. Ending it

You can stop using the Service at any time, and you can delete your account and the personal data in it at /account-deletion - no app and no sign-in needed. That page lists exactly what is deleted, what we have to keep for tax and accounting reasons, and how long it takes.

We may suspend or close an account that breaks these Terms, that is being used unlawfully or fraudulently, that leaves money owed, or where the law requires it. Where we reasonably can, we will tell you first.

Ending it does not cancel what is already owed, and sections 8, 10, 12 and 16 to 22 carry on afterwards.

16. What we do not promise

To the fullest extent the law allows, the Service is provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, title or non-infringement.

We do not promise that the Service will be uninterrupted or error-free, that a Provider's work will meet your expectations, or that a Provider holds the licenses or insurance it claims.

Texts and emails travel over networks we do not control. We cannot promise that a reminder, an invitation or a cancellation notice will arrive, arrive on time, or arrive at all - so do not rely on one alone where the timing really matters.

Some states do not allow some of these exclusions, in which case they apply to you only as far as that state's law allows.

17. Limit of our liability

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages, nor for lost profits, lost revenue, lost data, lost bookings or damage to reputation, however caused.

Our total liability to you for everything connected with the Service is limited to the greater of the amount you paid Cortigo in the twelve months before the claim arose, and US$100.

Nothing here limits liability that cannot be limited by law, including for fraud or for death or personal injury caused by our negligence. These limits apply even if a remedy fails its essential purpose, and they are part of the basis on which we offer the Service at the price we do.

18. Covering our losses

You will defend, indemnify and hold harmless Cortigo, its officers, employees and agents against any claim, loss, liability, penalty or reasonable legal cost arising from your use of the Service, anything you post, your breach of these Terms, or your breach of the law or of anyone's rights.

If you are a Provider, that includes any claim about a mobile number you added, or a message sent because you asked for it, contrary to section 9. We will tell you about a claim promptly and let you control the defense of it, provided any settlement that binds us has our written agreement.

19. Disputes: talk first, then arbitration

Talk to us first. If something goes wrong, email contactus@cortigo.com with what happened and what you want. Most things are settled this way. Give us 60 days before starting anything formal.

Arbitration. If we cannot settle it, you and Cortigo agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The arbitration takes place in Dallas County, Texas, or by phone, video or documents where those rules allow. The arbitrator decides what these Terms mean and may award the same relief a court could, to you alone.

Exceptions. Either of us may bring a claim in small claims court if it qualifies, and either of us may ask a court for an injunction to stop misuse of intellectual property or of the Service.

No class actions. Claims are brought one person at a time. Neither of us may bring a class, collective or representative action, or act as a private attorney general, and an arbitrator may not consolidate claims without both sides' agreement. Both of us give up the right to a jury trial. If this paragraph is held unenforceable for a particular claim, that claim goes to court in the venue named in section 20 and the rest of this section still applies to everything else.

You can opt out. Within 30 days of first accepting these Terms, email contactus@cortigo.com with the subject "Arbitration Opt-Out" and your name and the mobile number on your account. Opting out costs you nothing, changes nothing else in these Terms, and we will not hold it against you.

20. Governing law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. For anything not going to arbitration, the state and federal courts in Dallas County, Texas have exclusive jurisdiction, and both of us consent to it. If the law where you live gives you consumer rights that cannot be signed away, this section does not take them from you.

21. Changes to these terms

We may update these Terms as the Service changes. When a change matters to you, we will tell you by text, email or in the Service at least 14 days before it takes effect, unless the change has to be immediate for legal or security reasons. The date at the top always says which version is current.

Carrying on using the Service after a change takes effect means accepting it. If you would rather not, stop using the Service and delete your account.

22. Everything else

These Terms, with the Privacy Policy and any agreement a Provider signs with us, are the whole agreement between us about the Service. If a court finds part of them unenforceable, the rest stays in force. Not enforcing something once does not waive it. You may not transfer your rights under these Terms; we may transfer ours to a group company or as part of a merger or sale of the business. Neither of us is liable for a failure caused by something genuinely outside our control. Nothing here makes either of us the other's partner, employee or agent, apart from the limited payment agency described in section 8. Notices to you may be sent electronically; notices to us go to the address below.

23. Contact us

Clipper Connect LLC, doing business as Cortigo
1920 McKinney Ave, Floor 7
Dallas, TX 75201
United States

contactus@cortigo.com·+1 (607) 365-3610

See also our Privacy Policy.