Red Rock Trade
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Terms of Service

Effective date: September 30, 2026 · Last updated: September 30, 2026

Red Rock Trade Terms of Service, version 2.0

Operated by Red Rock Trade LLC, a Utah limited liability company.

1. Agreement to these Terms

These Terms of Service ("Terms") govern your use of the Red Rock Trade website, the Red Rock Trade member app, and the trade network ("Red Rock Trade," "we," "us"). Each member business also accepts the Member Agreement at signup. The Member Agreement, these Terms, and our Privacy Policy together make up your agreement with us. If the Member Agreement and these Terms conflict, the Member Agreement controls. By creating an account or using the network, you agree to these Terms. If you do not agree, do not use Red Rock Trade.

2. What Red Rock Trade is

Red Rock Trade is a business trade network. Member businesses sell goods and services to each other and are paid in trade credits instead of cash. We keep the ledger that records what members earn and spend, and we run the app, member directory, map, and matching tools.

We are a recordkeeper. We are not a party to any trade between members, we are not a bank or money transmitter, we do not hold your money, and we do not guarantee any member's goods, services, or delivery. The only parties to a trade are the buying member and the selling member.

3. Accounts

  • Membership is for real, legitimate businesses. The person who creates an account must be at least 18 and authorized to act for the business.
  • You can sign in with an email and password or with Google. You are responsible for keeping your sign-in private and for everything done in your account, including by anyone you give access to. We recommend turning on two-step verification.
  • One owner can run more than one business from the same sign-in. Each business has its own listing, balance, and records.
  • You agree to give accurate information and keep it current, including your business details, category, and contact information. Changes to your business name are reviewed before they go live. Changes to your legal name, taxpayer ID, or tax address are made through support.

4. Trade credits

A trade credit is a unit on our ledger, recorded at one credit per one US dollar of value. Members earn credits by selling to other members and spend them by buying from other members.

  • Credits are not money, legal tender, securities, stored value, or a deposit.
  • Credits cannot be redeemed, cashed out, or converted to dollars by anyone, under any circumstances, and we never sell credits for cash.
  • Credits belong to the business account and move only through a recorded trade or an adjustment we make under these Terms.
  • You can only spend credits you have. Balances cannot go below zero, and there are no credit lines.

5. How trades work

  • Paying. The buyer starts every payment, either by paying a member directly (for example, by scanning their code) or by approving a payment request the seller sends. Sellers can also send recurring requests, which the buyer can approve once or set to pay automatically.
  • Posting. When a buyer pays, the credits are held until the buyer confirms the sale was completed. If the buyer does not confirm or report a problem, the credits post to the seller automatically after 7 days, or after 14 days during a seller's first 30 days as a member.
  • Limits. The smallest trade is 1 credit. During a member's first 30 days, spending is limited to 500 credits a day. Each plan covers a trading area and a monthly spending limit (Section 6). We may set other reasonable limits to protect the network, and we will show them in the app.
  • Same-owner trades. Businesses with the same owner cannot trade with each other.
  • Recordkeeping. We may decline, hold, or reverse a trade that breaks these Terms, involves an account that is paused or closed, or appears fraudulent. We may correct posting errors by adjusting accounts, and we will tell the affected members.

6. Plans, add-ons, and billing

  • Your membership is a monthly subscription billed in US dollars to the card on file, on the same date each month that you joined. It renews every month until you cancel. Current plans, what each includes, and prices are shown at signup and on redrocktrade.co. Applicable sales tax is added to your bill.
  • There are no transaction fees on trades. Your plan price and any add-ons are the only fees.
  • Each plan has a trading area (for example, your home market or the whole state) and a monthly spending limit. Trades outside your plan's trading area are not allowed. If your spending goes over your plan's limit, we move you to the next plan right away and tell you; the new price starts on your next bill. We never block a trade because of that limit.
  • Add-ons you choose in the app, such as an extra business ($10 a month each), are billed with your plan.
  • Moving up a plan takes effect right away, with the new price starting on your next bill. Moving down takes effect at the end of your current paid month. We do not prorate or charge part-month amounts.
  • Promo codes apply only as described when you enter them. Founding members keep their founding rate for as long as their subscription stays continuously active.
  • We may change plan prices for new members, and we will give existing members at least 30 days' notice before any price change applies to them.

7. No refunds

Subscription payments are final. We do not refund or prorate a month, including if you cancel the day after you are billed or stop using the network. Your plan stays active through the end of the month you paid for.

8. Card on file and failed payments

You authorize us and our payment processor, Stripe, to charge the card on file for your plan and add-ons each billing cycle and to retry a failed charge. If a charge fails, we will notify you so you can update your card. If it is not fixed within 14 days, we may pause your account until it is paid. A paused account cannot spend credits. We do not charge late fees or decline fees.

9. Starter credit and promotional credit

  • New paying members may receive a starter credit, currently 100 credits, as a gift from Red Rock Trade to spend on the network. It is issued once per owner, even if you cancel and rejoin, and expires 60 days after it is issued if unspent.
  • Promotional credit we issue, including starter credit, is spent before credits you earned, may carry an expiry date shown when it is issued, is not a loan, and does not create a balance you owe.
  • Founding members receive the founding credit described in their founding offer instead of a starter credit.

10. Selling

  • You decide what you offer on trade and how much of it.
  • You set your trade prices, and they should match what you charge cash customers. You may not ask another member for cash on top of a recorded trade for the same goods or services.
  • You deliver what you sold with the same care and quality you give cash customers, and you honor trades you have accepted.
  • You collect any sales tax you would collect on a cash sale and remit it in dollars.
  • You are responsible for your listings, including that they are accurate and lawful. Inventory items are pickup only unless you and the buyer agree otherwise.

11. Buying

You choose who you buy from. We may suggest members or matches, including sponsored listings that are clearly labeled, but we do not vouch for any member. Problems with a purchase are between you and the seller; we can help as described in Section 12.

12. Problems with a trade

If something goes wrong with a trade, use Report a problem on that trade in the app within 30 days. Reporting a problem pauses automatic posting while we look into it. We may help the buyer and seller reach an agreement, and after our review we may post the credits to the seller or return them to the buyer. Our decision about what is recorded on the ledger is final, but it does not limit any rights you have against the other member.

13. Statements and corrections

Your ledger and monthly statements are available in the app. If an entry is wrong, tell us within 30 days of the statement date. After 30 days, the statement is final.

14. Listings, content, and sponsored placements

  • You own the content you add, such as your logo, photos, and listings. You allow us to show your business name, logo, listings, and offers to members and in our marketing of the network.
  • Red Rock Trade does not host its own ratings or reviews of members. If you link your Google Business Profile, we show your Google rating as provided by Google, with a link to Google.
  • Sponsored placements are paid in credits, reviewed by our team before they run, and refunded in credits if declined. We may remove any listing or placement that breaks these Terms.

15. Things you may not do

  • Give false information, impersonate a business, or open accounts to get extra starter credit.
  • Record fake or circular trades, or trade to get around spending limits, trading areas, or holds.
  • Offer anything illegal or anything we do not allow in a category.
  • Harass other members or misuse their contact details.
  • Interfere with the app, access accounts that are not yours, or copy member data from the directory in bulk.

16. Taxes and Form 1099-B

Trade income is taxable, the same as cash income. At signup you give us your taxpayer identification number and certify, under penalty of perjury, that it is correct and that you are not subject to backup withholding; that certification serves as your Form W-9. We check taxpayer IDs with the IRS and file Form 1099-B each year reporting the value of what you sold on the network, as federal law requires. A business can receive credits only once its signed certification is on file. How you report income, deductions, and sales tax is your responsibility; we do not give tax advice.

17. Cancelling, pausing, and closing accounts

  • You can cancel anytime in the app or by emailing support@redrocktrade.co. Cancellation takes effect at the end of your current paid month.
  • After that, you have 30 days to spend any credit balance on the network. If you rejoin within those 30 days, your balance, listings, and history are restored. Credits still in the account after those 30 days are forfeited, and we have no further obligation for them.
  • We may pause, limit, or close an account for breaking these Terms or the Member Agreement, unpaid fees, false information, fraud, repeated complaints from other members, illegal activity, or a category we do not serve. If we close your account for a violation, the same 30-day spending window applies unless the violation involved fraud.

18. Disclaimers

The website, app, and network are provided "as is" and "as available." We make no warranties about any goods or services traded between members, including their quality, fitness for a purpose, delivery, or price, and we do not guarantee that any particular good or service will be available on the network. Buyers look only to the selling member for any warranty or remedy.

19. Limitation of liability and indemnity

To the fullest extent the law allows, Red Rock Trade is not liable for any member's conduct, for the availability of any product or service, or for lost profits or indirect, incidental, special, consequential, or punitive damages. Our total liability to you for any claim is limited to the subscription fees you paid us in the 12 months before the claim.

You agree to indemnify and hold Red Rock Trade harmless from claims arising from your trades, your listings, or your breach of these Terms.

20. Disputes with Red Rock Trade

If you have a dispute with us, contact support@redrocktrade.co first so we can try to resolve it. Any dispute we cannot resolve by talking will be decided by final and binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, in Washington County, Utah. Either side may bring a qualifying claim in small-claims court instead. Disputes are resolved only on an individual basis; you and Red Rock Trade each give up any right to a class, collective, or representative action.

21. Changes to these Terms

We may update these Terms or the Member Agreement. We will change the version and "Last updated" date above and give members at least 30 days' notice by email before a change takes effect. Continuing to use the network after that date means you accept the change. If you do not accept it, cancel before it takes effect.

22. Governing law

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-laws rules. Subject to Section 20, any court proceeding will be in Washington County, Utah.

23. General

If any part of these Terms is found unenforceable, the rest stays in effect. Our not enforcing a right is not a waiver. You may not transfer your account without our written consent. We are bound only by commitments made in writing by an authorized officer of Red Rock Trade LLC.

24. Text message program

What it is. Red Rock Trade sends text messages to members and prospective members who opt in: account and trade notifications, setup and app-install reminders, billing and payment reminders, support replies, and occasional updates about your membership and the network.

Eligibility. You must be at least 18 to opt in.

How to join. Check the text message box when you add your mobile number during signup, or on a form on our website. Agreeing is not a condition of membership or of any purchase.

How often. Message frequency varies with your activity and account status.

Cost. Message and data rates may apply. Red Rock Trade does not charge for text messages; your carrier may charge you under your plan.

How to stop. Text STOP to any message to cancel. You will get one confirmation and no further messages. To rejoin, opt in again in the app or on our website.

Help. Text HELP, email support@redrocktrade.co, or call (435) 767-0631.

Carriers. Mobile carriers are not liable for delayed or undelivered messages. The program is available on most major US carriers.

Your number. You confirm the number you give us is yours or that you are authorized to consent for it, and you will tell us if it changes hands.

Privacy. See our Privacy Policy, Section 14.

25. Contact

Questions about these Terms: support@redrocktrade.co or (435) 767-0631. Red Rock Trade LLC, St. George, Utah.