Summit Shred Swap — Terms of Service

Version 1.2 — Effective October 1, 2026

1. Who we are

Summit Shred Swap LLC, a Colorado limited liability company ("Summit Shred Swap," "we," "us"), runs a local marketplace at summitshredswap.com where neighbors rent outdoor gear to each other. Don't sell it, rent it out.

These Terms are a contract between you and us covering your membership and everything you do on the platform. Each rental is also covered by a Rental Agreement between the Lender and the Renter, accepted at booking. Our Privacy Policy, Biometric Data Policy and Community Standards are part of these Terms.

We are a marketplace, not a rental shop. We don't own, inspect, store, maintain, adjust, fit, certify or deliver the gear, and we don't teach anyone how to use it. Members rent to members; we verify people, move the money safely, keep the record, and step in when something goes wrong.

We are not a party to any rental. Every rental is a contract between the Lender and the Renter under the Rental Agreement. We are not a lessor, bailor, bailee, agent, broker, insurer, guarantor or employer of any Member, and no Member is our agent, employee, partner or joint venturer. Lenders decide what to list, at what price, and whether to accept a request; Renters decide what to rent and how to use it. Nothing we do — verifying identities, moving money, deciding a claim, publishing a Shred Score, suggesting a meeting spot, writing a Help page — makes us responsible for the gear, its condition, or what anyone does with it.

2. Words we use

Community — the area a marketplace serves. Right now: Summit County, Colorado (Frisco, Breckenridge, Silverthorne, Dillon, Keystone, Copper Mountain and the rest of the county).
Member — anyone with an account. "You" means you as a Member.
Lender — a Member who lists gear they own (we sometimes say "owner"). Renter — a Member who rents it.
Listed Replacement Value — the amount the Lender sets on a listing as the cost to replace the item. It's the most a Renter can be charged for damage to or loss of that item.
Shred Score — a reputation score built from your completed rentals and reviews.
Payment Processor — Stripe, Inc., which handles identity verification, cards, holds and payouts for us.

3. Who can join

You must be at least 18. You sign up with your name, an email address you confirm, a password and a mobile number (texts to it are optional and have their own opt-in — Section 9 of the Privacy Policy covers them), and you accept these Terms — including the release in Section 24 — by checking the box on the sign-up form. That click is your electronic signature; we record the date, time and version you accepted. With just that you can browse, build a profile, post to the Wanted board, ask to rent and list gear; before you pay for your first rental you must complete identity verification (Section 4). One account per person; no accounts for someone else; no business or rental-shop accounts unless we approve them in writing.

4. Identity verification

Before paying for their first rental, every Renter verifies their identity through Stripe Identity: a scan of a government ID (usually a driver's license) and a live selfie that Stripe matches to the ID photo. It happens once, at checkout, and never again. Until then an account can browse, build a profile, post to the Wanted board, list gear and ask to rent, but not pay for a rental. Lenders who never rent are not asked for an ID scan; Stripe verifies a Lender's identity separately when they set up a payout account (Section 5).

Stripe holds the images. We store only the outcome — document verified, selfie matched, your legal name, your date of birth (for the 18+ check), and the ZIP code and county from your ID address — and then ask Stripe to redact the session. The selfie match is biometric data under Colorado law; our Biometric Data Policy explains how it's handled, and you'll see a consent screen before the selfie step.

We may ask you to verify again if your ID expires or your account is flagged. If you won't verify, you can't pay for a rental.

5. Lenders

Any Member can list gear. There is no residency requirement and no approval step: you don't need a Community address or a Colorado driver's license, and a listing is live the moment it's saved. What we do require: the gear is handed off inside the Community; the listing is honest (Community Standards) and contains no contact details or prohibited items — the site rejects those automatically; and you own the gear or have the owner's written permission. A Lender may hire an approved Gear Manager to hold their gear and run its rentals for a share of the rental price; the Gear Manager Terms govern that arrangement, and the Lender remains the Member whose listing, price and deposit it is. To be paid, a Lender sets up a payout account with Stripe, which collects and verifies their legal name, date of birth, address and tax details under Stripe's own terms; rental money waits until that account is connected. We can pause or remove any listing, or a Member's ability to list, at any time, and we tell you why.

6. Renters

Renters can come from anywhere — locals, seasonal workers and visitors are all welcome — but every Renter is identity-verified before their first payment, keeps a valid card on file, and is subject to deposits and the rules below. To manage risk, we may limit some rentals — first rentals, motorized gear, high-value gear — to in-person handoffs and to Renters whose Shred Score we consider sufficient. A Lender may decline any request.

7. Your account

Keep your phone and email secure; anyone who controls them can get into your account. Tell us right away at [security@summitshredswap.com] if you think someone else has used it. You're responsible for what happens in your account until you do. We can suspend an account while we look into a problem.

8. Listings

When you list gear you promise that you own it (or have the owner's written permission to rent it out and be paid); that your description, photos, size, condition and included accessories are accurate; that the Listed Replacement Value is an honest, current estimate of what it costs to replace the item — not a wish (we may cap or question values that look off); that the gear is in safe working order for its intended purpose, maintained as the manufacturer recommends, not recalled, and that you've disclosed every defect, repair and limitation you know about; that you won't describe bindings, brakes, harnesses, PFDs, beacons or any other safety-critical part as inspected, serviced, certified or professionally adjusted unless a qualified shop did that and you say when; and that you understand your homeowners', renters', auto or recreational-vehicle insurance may not cover gear you rent out or a Renter's use of it, that we don't insure it, and that carrying your own coverage is up to you.

Your protection as a Lender. Every Renter accepts the release in Section 24 and the Rental Agreement, and you are an intended beneficiary of both: a Renter agrees not to sue you for injuries or losses arising from their use of your gear, including your ordinary negligence, and agrees to indemnify you against claims by others. In return you make the promises above, and you release us as set out in Section 24. We can't promise a court will enforce every release in every situation, and nothing here is legal advice; if you rent out gear regularly, talk to your insurance agent.

Your photos and words. You own what you post. You give us a worldwide, royalty-free license to display, copy, crop and share your listing content on the platform and in our marketing while the listing exists, and you promise it doesn't infringe anyone's rights. To report content that infringes your copyright, email info@summitshredswap.com with the listing link and a description of the work; we take down infringing material and may terminate repeat infringers.

For each listing you also set your rental terms: a minimum rental length (1 day, 2 days, 3 days, a week); the rental units you allow — by the day, overnight (pick up one day, return the next by a set time), or by the week; your latest daily return time; and how many days ahead a booking must be made. You also choose the handoff options you offer (Section 10). Bookings must fit those settings, and you agree to honor bookings that do.

You set your own rate within our rules. We can edit listings for clarity, hide listings that don't meet our standards, and refuse categories we consider too risky or that can't legally be rented. Some things can never be listed at all — see Section 9.

9. Prohibited items

Some things can never be listed, requested, rented, swapped or sold on Summit Shred Swap — not in a listing, not in a message, not as a side deal:

Firearms of every kind: handguns, rifles, shotguns, receivers and frames, suppressors, ammunition and reloading components, and anything that needs a federal firearms license or a background check to transfer. Air rifles and BB guns are out too, to keep the line simple. Archery equipment — bows, crossbows and arrows — is allowed.
Fireworks and explosives.
Anything stolen, or anything you can't show you own or have permission to rent.
Recalled or unsafe gear.
Controlled substances and drug paraphernalia.
Motor vehicles that need registration for road use. The only motorized categories we support are snowmobiles, side-by-sides and UTVs, ATVs and dirt bikes — off-road use only, in-person handoff, and the license and age rules in the Rental Agreement.

If you list or ask for a prohibited item, we remove the listing and suspend your account. Repeat attempts get a permanent ban, and we report them to law enforcement where the law requires.

10. Booking and the Rental Agreement

A Renter sends a request for a term that fits the listing's settings and picks one of the handoff options the Lender offers; the Lender accepts or declines. A Lender may instead turn on instant book for a listing, in which case a request that meets the listing's settings (including the notice the Lender requires) is accepted automatically the moment it is made. On acceptance, both are bound by the Rental Agreement for that rental and the Renter's card is charged. If the Rental Agreement conflicts with these Terms about a specific rental, the Rental Agreement wins.

The booked term and handoff shown at checkout are binding. Changes — an extension, an earlier return, a different meeting time — are negotiated in the booking thread and take effect only when both sides accept them in the app.

Handoff options. The Lender proposes the meeting options on the listing: a named public spot from our spot list; the trailhead, lot or marina where the gear will be used; a "swing by" pickup at a place and time window the Lender chooses; delivery for a fee; or an unattended lockbox (opt-in, with limits). Lenders are never required to give out a home address, and we recommend public spots. The Renter picks one option at booking. Meeting places and times are proposed by the Lender and accepted by the Renter; our role is to record them. Both sides confirm the pickup and return windows in the app, each may add a photo or short video of the gear at each handoff (suggested, not required), and the no-show and late-return rules (Section 14) apply to the confirmed windows and the booked term.

11. Fees and taxes

We show the total price — rental rate, service fee, deposit, tax and card processing — before the Renter confirms.

Platform fee: 10% of the rental price, split evenly. The Renter service fee is 5% of the rental price, added to the Renter's total. The Lender fee is 5% of the rental price, deducted from the Lender's payout. Founding Lenders pay no Lender fee on bookings requested during their first 12 months, as set out in the Founding Lender Offer Terms, which are part of these Terms; every other Lender pays it.
Card processing: our Payment Processor's card fee (currently 2.9% + $0.30 per charge) is passed through to the Renter as a separate line at checkout. We don't set it and don't keep it.
Sales and rental taxes: where the law treats us as a marketplace facilitator, we collect and remit tax on rentals as a separate line.
Lenders handle their own income taxes; we issue tax forms when the law requires.

We may change fees with 14 days' notice, for bookings made after the notice.

12. How the money moves

The Renter pays at booking acceptance through our Payment Processor. The rental price (less the owner fee) is paid to the Lender through Stripe Connect as soon as both the Lender and the Renter confirm the hand-off in the app. The Lender does not wait for the return to be paid. The only money that waits is the Renter's deposit, which is held (or charged) at the hand-off and released or refunded when both parties confirm the return, unless a claim is open (Section 15). If only one party confirms a hand-off or return, we may confirm it ourselves after checking the photos and messages. Payouts normally arrive in the Lender's bank within [2–7] business days of the hand-off.

Your earnings balance. Money paid to a Lender goes to the Lender's own account with our Payment Processor (a Stripe Express account), not to us. By default it stays there until the Lender presses "Send to my bank" on their profile; the Lender can instead choose automatic payouts. A Lender may also choose, at checkout, to put some of that balance toward a rental of their own; doing so authorizes our Payment Processor to move that amount from the Lender's Stripe balance to us, and the same amount is applied to the booking as rental credit. Balances are held by our Payment Processor under its terms, earn no interest, and are subject to its holds and reviews.

Lenders must set up a Stripe Connect account and accept Stripe's terms. We are not a bank and don't hold Member funds ourselves.

13. Deposits and your card

Every Renter authorizes a deposit. For short rentals 3 days or less we place a hold on your card at the hand-off; it drops off when both parties confirm the return, unless a claim is open. For longer or high-value rentals over $1,500 Listed Replacement Value we charge the deposit at the hand-off and refund it on the same terms. An open claim keeps the deposit held until we decide it. Anything you owe under the Rental Agreement comes out of the deposit first and then your card on file; a claim filed after the deposit has been released is charged to your card.

By renting, you authorize us to apply the deposit and then charge the card on file, and any other card in your account, for damage beyond normal wear, missing items, late fees, cleaning fees and unreturned gear — up to the Listed Replacement Value plus applicable fees and tax — as set out in the Rental Agreement. If a charge fails you still owe the amount.

14. Cancellations, no-shows and late returns

Before the hand-off, nothing has been paid to the Lender — the Renter's payment is still with our Payment Processor — so cancellation refunds come from that balance. After the hand-off, the Lender has been paid, so late fees, damage and non-return charges come from the deposit first and then the Renter's card on file.

Free cancellation until 48 hours before the pickup window opens; full refund, including the service fee.
Renter cancellations inside 48 hours pay the Lender a share of the rental price for the time they set aside, and everything else the Renter paid — the rest of the rental price, the service fee, tax, card processing and the deposit — is refunded: 10% between 48 and 24 hours before the pickup window, 25% between 24 and 3 hours before, and 50% under 3 hours before.
Walking away at the hand-off — meeting the Lender and deciding not to take the gear — is treated as a cancellation under 3 hours: the Lender is paid 50% of the rental price; the rest is refunded.
Renter no-show: 30 minutes after the confirmed pickup window closes with no hand-off, the Lender may mark the booking a no-show. The Lender is paid 50% of the rental price for the time they set aside; the rest of what the Renter paid is refunded. A no-show also costs the Renter Shred Points, and repeat no-shows close the account.
Lender no-show or cancellation: full refund to the Renter, and the Lender's Shred Score takes the hit. Repeat no-shows lose Lender status.
Late return: 2 hours of grace after the booked return time, then we automatically charge the Renter a full extra day at the listed rate — for hour-block or overnight rentals, a full extra period — and each further 24 hours is another day, taken from the deposit first and then the card on file. The Lender can waive late fees in the app.
48 hours late and unresponsive: the non-return protocol starts (Section 16).

15. Break it, fix it

Normal wear is expected — that's what the rental price covers. Damage beyond normal wear is the Renter's responsibility: the actual repair cost, or if the item can't reasonably be repaired, its depreciated replacement value, never more than the Listed Replacement Value. Missing accessories are charged at their listed value. Time- and location-stamped photos at pickup and return are the record. Claims must be filed within 48 hours of the return; we decide them in writing as the administrator, and what the Renter owes comes from the deposit first and then the card on file. Details are in the Rental Agreement.

16. Non-return and theft — read this

If gear isn't returned within 48 hours after the return date and the Renter doesn't respond to us, we treat it as stolen. We will:

take the Listed Replacement Value plus late fees, our fees and tax from the deposit first and then the Renter's card;
file a police report using the Renter's verified legal name, date of birth and ID details; and
permanently ban the Renter.

We may also give the Renter's identity and the rental record to the Lender so the Lender can pursue their own claim. Returning the gear later doesn't undo the report or the ban, though we'll refund the replacement charge (less late fees and any damage) once the Lender confirms the gear is back.

17. No protection plans, no insurance

We don't currently sell protection plans and we are not an insurer. The Renter's deposit and the Renter's card on file are what stand behind the gear, up to the Listed Replacement Value, as the Rental Agreement sets out. If we ever offer coverage through a licensed insurance company, it will be under that insurer's own terms, with the insurer named, and we won't take commissions unless we're licensed to.

18. Rental credit and referrals

Referral credit. Every member has an invite link and code. When someone joins through it, verifies their identity, and then either gets a Listing live or completes a Rental, we credit the referrer $20 and the new member $10 in rental credit. Rental credit is promotional and paid by us; it never reduces a Lender's payout. It spends only on rentals through Summit Shred Swap and comes off the Renter's total at checkout — never a deposit, and a minimum $1 is always charged to the card so a payment method is on file. It is not cash, can't be transferred, sold or redeemed for cash, and goes back on your balance if a booking it was applied to is cancelled under Section 14 (less anything the Lender keeps). One inviter per new account, linked within 14 days of joining and before the account's first Listing or Rental; up to 20 paid referrals per member per year. We may change or end the referral program at any time for referrals not yet earned, and we may void credit from fake, duplicate or self-referred accounts, from anyone who is banned, or from referrals obtained by spam or misleading claims. Credit has no value outside the platform and is forfeited if your account is closed for a violation of these Terms.

Exchange Credit. If we later let Lenders take a payout as Exchange Credit instead of cash (with a bonus percentage shown when they choose), the same rules apply: spends only on rentals, no cash redemption or transfer, and never expires while the account exists. Once a Lender takes credit they can't switch it back to cash. If we shut the platform down we'll give at least 60 days' notice to spend it.

19. Reviews and Shred Score

After each rental both parties may review each other. Reviews must be honest and based on your own experience. No fake or bought reviews, no reviewing your own listings, no trading reviews, no pressuring anyone to change one. We don't pay for reviews or hide them for being negative; we remove reviews only for breaking our Community Standards, and we apply that rule evenly. We follow the FTC's 2024 Consumer Reviews and Testimonials Rule and the Colorado Consumer Protection Act.

Your Shred Score is built from completed rentals and reviews. We decide the formula and may change it. It's for use inside the platform only; it isn't a credit score.

20. Messaging and off-platform deals

Messaging happens in the app, and that's where Members communicate. Phone numbers and emails are never shared between Members and are masked out of messages. If you found the gear — or the Renter — on Summit Shred Swap, the rental goes through Summit Shred Swap: no cash deals, no "Venmo me and skip the fee," no "just text me next time." Off-platform deals leave both people without verification, deposits, the condition record or our help, and they break these Terms. We may read messages to enforce these Terms or resolve a claim.

21. What you can't do

Lie about who you are, where you live, or what you're listing. Rent for someone else, or let anyone else use gear you rented (a child or other person in your care whom you supervise is the one exception, and you're fully responsible for them — see Section 24). Use gear while impaired by alcohol or drugs, or let anyone under the legal age operate motorized gear. Use the platform for anything illegal, including renting gear you're not allowed to own or operate. Harass, threaten or discriminate against anyone — harassment is one strike and you're out. Scrape, copy or reverse engineer the platform, or use it to build a competing service. Create fake accounts, listings or reviews. List, request, rent, swap or sell anything on the prohibited list (Section 9). Try to get around a ban, a deposit or a payment.

22. Suspension and bans

We can warn you, limit what you can do, suspend you, or ban you for breaking these Terms, the Community Standards or a Rental Agreement, or when we think it's needed to keep Members safe. Non-return, fraud and harassment get a permanent ban. We'll tell you why unless doing so would put someone at risk or the law says we can't. Money you owe survives a ban; money owed to you is paid out once open claims are settled.

23. Things we don't promise

The platform is provided "as is" and "as available." We don't inspect, test, maintain, adjust, fit or certify gear, we don't verify a Lender's description of it, and we don't promise it's safe, suitable, legal, complete, in working order or as described. We don't provide instruction, guiding, avalanche forecasts, weather advice, route advice or safety supervision; anything in our Help pages, listings or messages is general information, not advice you should rely on. We don't promise a Lender or Renter will show up, that a Shred Score, review or identity check means someone is trustworthy or competent, that a meeting spot is safe, or that the platform will always work. We don't stand behind any statement a Member makes. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing or usage of trade.

24. ASSUMPTION OF RISK, RELEASE OF LIABILITY, WAIVER AND COVENANT NOT TO SUE — READ THIS BEFORE YOU AGREE

This section limits your legal rights. By checking the box at sign-up you agree to it for every rental you take part in, as a Renter or as a Lender, and it is repeated in every Rental Agreement.

24.1 The risks are real. The gear on Summit Shred Swap is for skiing, snowboarding, ski touring and splitboarding, snowshoeing, sledding, snowmobiling, mountain and road biking, climbing and mountaineering, hiking and camping, rafting, kayaking, paddleboarding, boating and other water sports, fishing, off-road riding, and other outdoor and action sports. These activities carry inherent risks of serious injury, permanent disability, paralysis and death, and of damage to property, that no amount of care eliminates. The risks include, without limitation: falls, collisions and impacts; terrain, rocks, trees, ice, cliffs, cornices and changing snow and trail conditions; avalanches; cold, heat, altitude, sun, lightning and sudden weather; moving water, currents, waves, hydraulics, cold water and drowning; equipment that is worn, damaged, defective, poorly maintained, wrongly sized, wrongly adjusted (including ski and snowboard bindings, brakes, harnesses, ropes, helmets, PFDs and beacons) or used for something it wasn't designed for; equipment failure at any time; motorized vehicles, their speed, weight, rollover and mechanical failure; wildlife; the actions of other people, including other Members; delayed or unavailable rescue and medical care in remote places; and your own decisions, skill, fitness, fatigue, impairment and judgment. You may be hurt or killed even if you, the Lender and everyone else does everything right.

24.2 You take part voluntarily and you're responsible for yourself. You choose whether, where, when and how to use the gear. You confirm that you're 18 or older, physically and mentally fit to do the activity, trained and experienced enough for the gear and terrain you choose (or in the company of someone who is), sober, and familiar with the gear or willing to learn before you rely on it. You are responsible for checking the gear before you use it and every time you use it, for having safety-critical parts — bindings, brakes, harnesses, ropes, helmets, PFDs, beacons, throttle and kill switches — fitted, adjusted and tested by a qualified shop or person before use, for wearing and using appropriate safety equipment (helmets, PFDs, beacons, shovels, probes, eye protection), for checking conditions and forecasts, for obeying every law, rule, closure and posted sign, and for stopping if something doesn't seem right. Neither we nor the Lender has assessed your skill, your fitness, the conditions, or the fit or adjustment of the gear for you.

24.3 Release, waiver and covenant not to sue. To the fullest extent permitted by Colorado law, you, for yourself and your spouse, children, heirs, personal representatives, estate and assigns, RELEASE, WAIVE, DISCHARGE AND COVENANT NOT TO SUE (a) Summit Shred Swap LLC, its members, managers, officers, employees, contractors, agents, licensors, successors and assigns (the "Released Parties"), and (b) every Lender whose gear you rent, and every Renter who rents your gear, from and for any and all claims, demands, losses, liabilities, damages, costs and causes of action of any kind — for personal injury, death, emotional distress, property damage or loss, or economic loss — arising out of or connected in any way with a rental, the gear, its condition, fit or adjustment, the handoff or return, travel to or from a handoff, or any activity you do with the gear, INCLUDING CLAIMS THAT ARISE FROM THE ORDINARY NEGLIGENCE OF THE RELEASED PARTIES OR OF THE LENDER OR RENTER, whether the claim is in contract, tort, negligence, strict or product liability, or otherwise. This release does not extend to claims based on gross negligence, willful or wanton misconduct, fraud or intentional harm, or to any liability that Colorado law does not allow to be released.

24.4 Lenders are protected by this too. Every Lender is an intended third-party beneficiary of the Renter's release, indemnity and promises in this Section and in the Rental Agreement, and may enforce them directly. In turn, a Lender releases the Released Parties from any claim arising from a Renter's use of the Lender's gear, from any damage, loss, theft, non-return or unpaid amount beyond what we actually collect and pay over under the Rental Agreement, from any injury or loss at a handoff, and from our decisions on claims, refunds, deposits, listings and accounts.

24.5 Other people and minors. Only the Renter may use rented gear. If you allow anyone else to use it — including a child or another person in your care whom you are supervising — you do so in breach of the Rental Agreement (except for a person in your care), you remain fully responsible for their safety, conduct and any loss or damage, and, to the extent Colorado law allows a parent or guardian to do so (C.R.S. § 13-22-107), you accept these risks, and give this release and waiver, on their behalf as well as your own. You will not let anyone under the legal age or without the required license operate motorized gear.

24.6 Motorized, backcountry and water gear. For snowmobiles, side-by-sides, UTVs, ATVs and dirt bikes; for touring skis, splitboards, beacons, shovels, probes, airbag packs and snowshoes; and for rafts, kayaks, paddleboards and boats, the addenda in the Rental Agreement apply and are part of this Section: you are the operator; you hold every license, registration, permit, certificate and insurance the law requires; you operate off-road, on legal terrain and water, sober, at safe speeds, with the required safety equipment; you have checked the avalanche, weather and water forecasts; and you understand that the Lender's insurance almost certainly does not cover you and that we provide no insurance of any kind for injuries, vehicles, or other people's property.

24.7 Indemnity for your use. You will defend, indemnify and hold harmless the Released Parties and the Lender against any claim, loss or expense (including reasonable attorney fees) brought by anyone else — a passenger, a companion, a bystander, a landowner, a rescue agency, a government — arising from your use of the gear or your breach of this Section.

24.8 You've read it. You confirm that you have read this Section 24, that you understand it gives up substantial legal rights including the right to sue the Released Parties and the Lender for negligence, that you had the chance to read the full Terms and to ask a lawyer about them, and that you agree to it voluntarily and without pressure. If any part of this Section is held unenforceable, the rest applies to the fullest extent the law allows.

25. Limit on our liability

To the fullest extent the law allows: we are not liable for personal injury, death, property damage or loss arising from a rental, the gear, or any activity done with it; for the acts, omissions, statements, gear or conduct of any Member or other third party; or for indirect, incidental, special, consequential, exemplary or punitive damages, lost profits, lost data or lost opportunity, however caused and under any theory, even if we were told they were possible. Our total liability to you for everything connected with the platform, these Terms and any rental, taken together, is limited to the greater of $100 or the platform fees you paid us in the 12 months before the claim arose. These limits apply to the Released Parties as well as to us. They don't apply to our gross negligence, willful misconduct or fraud, or to liability the law says can't be limited.

26. Indemnity

If anyone — another Member, a passenger, a bystander, a landowner, an insurer, a government agency — brings a claim against us or the Released Parties because of your gear, your listing, your rental, your use of gear, your breach of these Terms or a Rental Agreement, your content, or your violation of the law or of someone's rights, you'll defend us and pay any damages, settlements, costs and reasonable attorney fees. That includes, for a Lender, claims that gear you listed was unsafe, defective, misdescribed, recalled or not yours to rent; and, for a Renter, claims arising from how you used, kept, transported or returned the gear. We'll tell you about the claim promptly. You may run the defense with counsel we approve, but you need our consent to settle on our behalf, and we may take over the defense of any claim that concerns us.

27. Disputes between you and us

Talk first. Email info@summitshredswap.com with what went wrong and what you want; we'll do the same if we have a claim against you. Both of us will try in good faith for 30 days before doing anything formal.

Then arbitration. If we can't resolve it, either of us may start binding arbitration administered by the American Arbitration Association (AAA) under its consumer rules, in Summit County, Colorado or by video. The arbitrator decides everything, including whether this section applies. Class-action waiver: you and we bring claims only as individuals — never as a plaintiff or member of a class or representative action. Small-claims carve-out: either of us may instead bring an individual claim in small claims court in Summit County. Opt-out: you may opt out of arbitration by emailing us within 30 days after you first agree to these Terms.

Disputes between a Lender and a Renter about a specific rental go through our claims process first (see the Rental Agreement); after that, the two of them may take it wherever the law allows.

28. Governing law and venue

Colorado law governs these Terms. For anything not sent to arbitration, the state and federal courts serving Summit County, Colorado have exclusive jurisdiction, and you agree to it.

29. Changes to these Terms

We can change these Terms. For material changes we'll email you and post a notice in the app at least 14 days before they take effect. Changes don't affect rentals already booked. Using the platform after the effective date means you accept the new Terms; if you don't, delete your account.

30. Other communities

We may license the Summit Shred Swap software and brand to operators in other areas — an "Eagle Shred Swap," say. Each licensed marketplace is a separate Community with its own operator, residency rule and versions of these documents. These Terms cover only the Summit County Community operated by Summit Shred Swap LLC.

31. The fine print

These Terms, the Rental Agreements you accept, the Privacy Policy, the Biometric Data Policy and the Community Standards are the whole agreement between you and us. If a court finds part unenforceable, the rest stands, and the unenforceable part is enforced to the fullest extent the law allows. We may assign these Terms to a successor; you may not assign yours. Not enforcing something once doesn't waive it. Notices to you go to your verified email and, for time-sensitive matters, by text; notices to us go to the address below.

Electronic records and signatures. You agree to do business with us electronically: checking a box, tapping "I agree," "Request to rent," "Accept" or "Confirm," or typing your name is your signature, and the records we keep of those acts (with the date, time, device and document version) are the signed originals. You consent to receive every notice, agreement, receipt and disclosure electronically, and you can get a paper copy of any of them by emailing us.

Things beyond our control. We're not responsible for delays or failures caused by events outside our reasonable control — weather, wildfire, road or pass closures, power or internet outages, our Payment Processor's outages or holds, strikes, public-health orders, or acts of government.

Sections 8, 9, 13, 15, 16, 21, 23, 24, 25, 26, 27, 28 and 31 survive if your account closes.

32. Contact

Summit Shred Swap LLC · Summit County, Colorado · info@summitshredswap.com · summitshredswap.com