Terms of Service

Effective Date: March 14, 2026  ·  Platform: Urban Halo  ·  Operated by: D & K Services LLC DBA Urban Halo  ·  State: Mississippi

By creating an account and paying for membership on Urban Halo, you agree to be bound by these Terms of Service. If you do not agree, do not create an account.

1. Acceptance of Terms

By creating an account and paying for membership on Urban Halo, you agree to be bound by these Terms of Service. If you do not agree, do not create an account.

2. Who We Serve

Urban Halo is an exclusive community for Black women and women of color. Membership is granted at the sole discretion of Urban Halo. We reserve the right to decline or revoke membership to anyone who misrepresents their identity or violates our community values.

3. Membership Fees

Access to Urban Halo requires a paid membership. Fees are charged at the rate selected during signup — monthly, annual, or lifetime. All fees are in USD. Membership fees cover platform access only. No goods or services from other members are included in the membership fee.

4. Barter-Only Policy

All exchanges between members must be barter-based. No money, gifts, or compensation of any kind may be exchanged between members in connection with a trade. Urban Halo is not responsible for the quality, completion, or outcome of any barter agreement between members.

5. No Guarantee of Trades

Urban Halo provides the platform and tools to facilitate barter connections. We do not guarantee that any member will find a match, complete a trade, or receive satisfactory services from another member.

6. Member Conduct

Members agree to:

Violation of any of the above may result in immediate membership suspension or permanent removal without refund.

7. Intellectual Property

All work created and exchanged through Urban Halo trades remains the intellectual property of the creator unless explicitly agreed otherwise in writing between the two members. Urban Halo claims no ownership over member-created work.

8. Dispute Resolution

Urban Halo provides a flagging and mediation system for trade disputes. We will make reasonable efforts to mediate but are not legally responsible for the outcome of any trade. Members agree to attempt resolution through our platform process before pursuing any external legal action.

9. Limitation of Liability

Urban Halo is not liable for any loss, damage, or dissatisfaction arising from barter exchanges between members. Our total liability to any member shall not exceed the amount paid for their membership in the most recent billing period.

10. Termination

Urban Halo reserves the right to suspend or permanently remove any member at any time for violation of these terms. Monthly and annual members removed for violations are not entitled to refunds. Lifetime members removed for violations forfeit their membership without compensation.

11. Changes to Terms

We may update these terms at any time. Members will be notified by email. Continued use of the platform after changes constitutes acceptance of the updated terms.

12. Governing Law

These terms are governed by the laws of the state of Mississippi, without regard to conflict of law principles.

For questions about these terms contact us at urbanhalo@polsia.app.