Terms of Service

Last updated: August 26, 2026

Terms and Conditions for Dragonfly, Inc.

These Dragonfly, Inc. User Terms ("Terms") apply to the service relationship between Dragonfly, Inc. and its subsidiaries and affiliates (collectively, "Dragonfly") and you, the user ("User" or "You"). By using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using the Dragonfly platform, mobile application, or any related services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Services.

2. Description of Services

Dragonfly provides a financial technology platform designed for gig economy workers, including but not limited to:

  • Instant payment processing and disbursement
  • Retirement savings tools and matching programs
  • Portable work history and reputation tracking
  • Financial planning and advisory tools

3. User Accounts

To use certain features of the Services, you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information
  • Keep your password secure and confidential
  • Accept responsibility for all activities that occur under your account
  • Notify us immediately of any unauthorized use of your account

4. Payment Terms

Dragonfly facilitates payment processing between gig platforms and users. By using our payment services, you authorize Dragonfly to receive payments on your behalf and disburse funds to your designated account. Processing times and fees may vary based on payment method and are disclosed within the application.

5. Retirement Savings Program

Our retirement savings features are designed to help gig workers build long-term savings. Participation is voluntary. Any matching contributions are subject to program terms and availability. Dragonfly is not a registered investment advisor, and any savings tools provided are for informational purposes only. Consult a qualified financial advisor for personalized investment advice.

6. User Conduct

You agree not to:

  • Use the Services for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the Services
  • Interfere with or disrupt the Services
  • Transmit any viruses, malware, or harmful code
  • Impersonate any person or entity
  • Use the Services to commit fraud or money laundering

7. Intellectual Property

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of Dragonfly, Inc. and are protected by United States and international copyright, trademark, and other intellectual property laws.

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. DRAGONFLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, DRAGONFLY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

10. Dispute Resolution & Arbitration

Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Chicago, Illinois. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

11. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will cease immediately.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions.

14. Contact Us

If you have any questions about these Terms, please contact us:

  • By email: [email protected]
  • By phone: 312-270-0161
  • By mail: 20 N. Wacker Dr. 12th Floor, Chicago, IL 60606