Terms of Service

Acceptance of terms

By creating a Cobbleflow account, or by accessing an onboarding flow someone else built with Cobbleflow, you agree to these Terms of Service and our Privacy Policy. If you're agreeing on behalf of a business, you're confirming you have the authority to bind that business to these terms.

The service

Cobbleflow lets a business (a “Provider”) build a client-onboarding flow — contracts, payments, forms, file collection, scheduling, and more — and share it as a single link. The people a Provider onboards through that link (their “Clients”) don't need a Cobbleflow account; they interact with the flow directly and get a permanent, private link back to a record of what they completed.

Cobbleflow provides the platform. We are not a party to, and do not control, the underlying business relationship, contract, or transaction between a Provider and their Client — see The provider–client relationship below.

Accounts

Provider accounts are created and authenticated through our identity provider. You're responsible for maintaining the security of your account and for all activity that happens under it. Let us know immediately if you suspect unauthorized access. You must provide accurate account information and keep it up to date.

Clients do not create Cobbleflow accounts. A Client's access to their onboarding is governed by the private link a Provider sends them; anyone with that link can access the onboarding it points to, so Clients should treat their link like they would any other account-access credential and not share it.

Subscriptions & billing

Cobbleflow is offered to Providers on a subscription basis, with plans and pricing as described on our pricing page at the time you subscribe. Fees are billed in advance on a recurring basis and are non-refundable except as required by law or as we otherwise expressly state. We may change our pricing or plans; if we do, we'll give existing Providers reasonable advance notice before a change takes effect on their account. You can cancel your subscription at any time; cancellation takes effect at the end of the current billing period, and access to Provider features ends at that point (Client-facing links you've already sent may stop working once your subscription ends).

Client payments

Where a Provider includes a payment step, Client payments are processed by our payment partner, Stripe, using Stripe Connect, and routed directly to the Provider's own connected Stripe account. Cobbleflow is not a party to that payment, does not take custody of Client funds, and is not responsible for a Provider's pricing, refund practices, or delivery of whatever goods or services the payment was for. Refund, dispute, and cancellation requests about a specific payment should go to the Provider you paid; Stripe may also independently apply its own terms to the transaction.

Provider responsibilities

As a Provider, you're responsible for:

• The accuracy and legality of any contract, form, or content you put in front of your Clients.
• Having the right to collect whatever information your flow asks a Client for, and using it lawfully.
• Complying with laws that apply to your own business, including data protection, consumer protection, and e-signature law in your jurisdiction and your Clients'.
• Your relationship with your own Clients — Cobbleflow is not responsible for the services, goods, or advice you provide them.
• Keeping any credentials a Client hands you through Cobbleflow secure once you've retrieved them, and using them only for the purpose the Client understood when they provided them.

The provider–client relationship

Cobbleflow is the tool a Provider uses to run their onboarding — we're not a party to the contract, service, or transaction between a Provider and their Client, and we don't vet, endorse, or guarantee any Provider's business, services, or conduct. If a dispute arises between a Provider and a Client, it's between them; Cobbleflow may, at its discretion but without obligation, provide records (like a signed contract or payment confirmation) available through the platform to help resolve it.

Acceptable use

You agree not to use Cobbleflow to:

• Violate any law, or the rights (including privacy and intellectual property rights) of any other person.
• Collect information from a Client without a lawful basis or without their understanding of what they're providing and why.
• Send fraudulent, deceptive, or misleading contracts, payment requests, or communications.
• Upload malicious code, or attempt to interfere with, disrupt, or gain unauthorized access to Cobbleflow's systems or another user's data.
• Use Cobbleflow to process information you're not legally permitted to collect or process (for example, certain categories of sensitive personal or health information, unless you've independently confirmed Cobbleflow is an appropriate place to do so).
• Resell or provide Cobbleflow itself as a service to others outside the intended use of building your own onboarding flows.

We may suspend or terminate access for violations of this section.

E-signatures

Contract steps use electronic signatures provided through our e-signature partner, DocuSeal. By signing electronically, Clients and Providers agree that their electronic signature is the legal equivalent of a handwritten signature, to the extent permitted by applicable law (such as the U.S. ESIGN Act or equivalent laws elsewhere). Cobbleflow does not review or provide legal advice on the enforceability of any specific contract a Provider creates — that's the Provider's responsibility.

Intellectual property

Cobbleflow and its underlying software, design, and branding are owned by us and protected by intellectual property law. We grant Providers a limited, non-exclusive, non-transferable license to use Cobbleflow to run their own onboarding flows during their subscription. You retain ownership of the content you create (your contract text, form questions, uploaded logo, and similar) — by using Cobbleflow, you grant us a license to host, process, and display that content solely as needed to operate the service for you and your Clients.

Third-party services

Cobbleflow relies on third-party services to operate — including Clerk (authentication), Stripe (payments), DocuSeal (e-signatures), Resend (email delivery), and Cloudflare (file storage and infrastructure). Your use of features backed by these services is also subject to those providers' own terms. We're not responsible for outages, errors, or changes on the part of a third-party service, though we'll work to minimize their impact on you.

Disclaimers

Cobbleflow is provided “as is” and “as available,” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the service will be uninterrupted, error-free, or completely secure.

Limitation of liability

To the maximum extent permitted by law, Cobbleflow and its team will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from your use of the service — including disputes arising from the underlying relationship between a Provider and their Client, or from a third-party service we rely on. Our total liability for any claim relating to Cobbleflow will not exceed the amount you paid us in the twelve months before the claim arose (or, for Clients, who don't pay Cobbleflow directly, one hundred U.S. dollars).

Indemnification

You agree to indemnify and hold Cobbleflow harmless from claims, damages, and expenses (including reasonable legal fees) arising from your use of the service, your content, or your violation of these terms or applicable law — including, for Providers, claims brought by your own Clients relating to your business or the content of your flows.

Termination

You may stop using Cobbleflow, or cancel a subscription, at any time. We may suspend or terminate your access if you violate these terms, if required by law, or if we discontinue the service, and will make reasonable efforts to give notice where practical. Sections of these terms that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and indemnification — will survive.

Governing law

These terms are governed by the laws of [State/Country to be specified], without regard to its conflict-of-law principles, unless applicable local law requires otherwise.

Changes to these terms

We may update these terms from time to time. If we make material changes, we'll update the “Last updated” date above and, where appropriate, notify Providers directly. Continuing to use Cobbleflow after a change takes effect means you accept the updated terms.

Contact us

Questions about these terms? Reach us at legal@cobbleflow.com.