Terms and Conditions

1.1 Agreement to Terms. These Terms, together with our Privacy Policy and any other policies referenced in these Terms, constitute the entire agreement between you and ReevePoint regarding your use of the Platform.

1.2 Eligibility. You must be at least 18 years old and able to form a binding contract to use the Platform. If you use the Platform on behalf of a business or other entity, you represent that you have authority to bind that entity to these Terms.

1.3 Contractor eligibility.Contractors represent that they hold all licenses, permits, insurance, and registrations required by applicable law to perform the work they offer through the Platform, in the jurisdictions where they offer to perform it. See Section 10 (Contractor Representations) for important limits on ReevePoint’s role in verifying these representations.

1.4 Changes to these Terms. We may modify these Terms from time to time. See Section 20.

2.1 Registration information.If you choose to create an account, you will be asked to provide certain registration details or other information, such as your first and last name, username, password, and email address (“Account Information”). Your Account Information may not impersonate another person. It is a condition of your use of the Platform that all information you provide is correct, current, and complete.

2.2 Identity verification. ReevePoint reserves the right to verify your identity using the information you provide, as well as publicly available information. If ReevePoint is unable to verify your identity, your Account Information and any User Content (as defined in Section 16.2) may be rejected, and your account may be disabled.

2.3 Accounts held on behalf of an entity.If you create an account, submit information, or accept these Terms on behalf of a business or other entity including for a developer or Contractor, on behalf of the contracting business the developer or Contractor represents, you represent and warrant that you have authority to act on that entity’s behalf and to bind it, for purposes of using the Platform, entering into a User Contract, and accepting these Terms and the Stripe Terms described in Section 6.7.

2.4 Use of your information. All information you provide to register for or otherwise use the Platform is governed by our Privacy Policy, and you consent to ReevePoint’s use of your information consistent with the Privacy Policy.

2.5 Account security. You agree to keep your password confidential and to protect your account. You agree to notify ReevePoint immediately of any unauthorized access to your account or other breach of security. You should use particular caution when accessing your account from a public or shared computer, so that others are not able to view or record your personal information.

3.1 What ReevePoint does. ReevePoint provides a platform through which Customers and Contractors can find one another, communicate, generate a project-specific home improvement contract using the tools described in Section 5, and coordinate the initiation of payments for the work described in that contract, which are processed and held by Stripe, using the tools described in Section 7.

3.2 What ReevePoint does not do. ReevePoint does not perform, supervise, inspect, or guarantee the home improvement or home service work performed by any Contractor. ReevePoint is not a general contractor, subcontractor, construction manager, escrow agent, bank, money transmitter, insurer, or party to any contract between a Customer and a Contractor. ReevePoint does not practice law and does not provide legal advice to any User.

4.1 Contracts are between Users.Any contract, including any home improvement contract generated using ReevePoint’s tools (a “User Contract”), is a direct agreement solely between the Customer and the Contractor who enter into it. ReevePoint is not a party to any User Contract, does not guarantee any party’s performance under a User Contract, and has no obligation to enforce a User Contract on any User’s behalf.

4.2 Users contract at their own risk. Users enter into User Contracts, and engage with one another generally, at their own risk. ReevePoint does not review, approve, or warrant the legal sufficiency, enforceability, completeness, or accuracy of any User Contract, whether or not it was generated using a ReevePoint template or AI-assisted tool. We strongly recommend that each party have any User Contract reviewed by independent counsel in their state before signing. Nothing on the Platform, including the availability of a contract template, is legal advice to any User, and no attorney-client relationship is created by use of the Platform.

4.3 No liability for User Contract content or performance. To the fullest extent permitted by law, ReevePoint disclaims all liability arising out of or relating to the content, negotiation, execution, performance, breach, or enforcement of any User Contract. This includes, without limitation, disputes about workmanship, delay, scope, price, licensing, permits, or payment between Customer and Contractor.

5.1 The contract template.To help Customers and Contractors document their project, ReevePoint makes available a standard home improvement contract template (the “Template”). The legal terms of the Template, including its payment-release, dispute-resolution, warranty, and general provisions, are fixed and cannot be modified by Users. The Template provides a consistent baseline across projects that allows ReevePoint to facilitate payment release under Section 7 and dispute resolution under Section 8 in a standardized way; it is not, and should not be understood as, ReevePoint negotiating or drafting a User’s contract for them.

5.2 Project-specific content; AI assistance. Certain fields in the Template, including the project description, price, materials, and timeline, are generated with the assistance of an AI tool based on information the parties provide, and Users may edit this content however they choose before it becomes part of their User Contract. AI-generated content is clearly labeled as AI-generated and suggested, and is not binding on either party until the party affirmatively reviews and confirms it. AI-generated content is provided for informational and drafting-assistance purposes only, without warranty of accuracy, and is not a substitute for professional judgment, an independent estimate, or professional inspection. Users are responsible for independently reviewing and verifying all project-specific content including price, scope, materials, and timeline before relying on it.

5.3 No legal advice; template is not legal review. The Template, and any AI-assisted content generated in connection with it, is provided as a self-help drafting tool. It is not legal advice, is not a substitute for review by independent counsel, and its use does not create an attorney-client relationship between any User and ReevePoint.

6.1 Stripe Connect; ACH only.ReevePoint uses Stripe, Inc.’s payment processing and Connect platform (“Stripe”) to facilitate payments between Users. As a condition of using the Platform, Users must create a Stripe-supported connected account and accept the Stripe Connected Account Agreement and other applicable Stripe terms described in Section 6.7. Customer payments are made by ACH bank transfer only; ReevePoint does not accept card payments for amounts due under a User Contract.

6.2 How payments are held and released.When Customer makes a payment, funds are transferred by ACH directly into Stripe’s systems and are held by Stripe. ReevePoint’s platform fee (Section 6.4) is segregated from that payment at that time. The remaining balance is held by Stripe until a release trigger described in Section 7 occurs—for example, Customer’s approval or deemed approval of a completed milestone—at which point ReevePoint transmits a release instruction to Stripe, which releases the corresponding funds to Contractor’s connected Stripe account.

6.3 Not a bank, escrow agent, or money transmitter.ReevePoint does not hold, control, or have custody of Customer or Contractor funds at any time, and does not act as a bank, escrow agent, escrow company, fiduciary, or money transmitter with respect to those funds. All holding, processing, and transmission of funds described in this Section 6 is performed directly by Stripe, as an independent, separately regulated payment processor, pursuant to the Stripe Terms described in Section 6.7. ReevePoint’s role with respect to payments is limited to providing the software and communication tools that allow Users to authorize and trigger payment instructions carried out by Stripe. ReevePoint does not act, and does not intend to act, as a money transmitter. ReevePoint assumes no responsibility for the availability, timing, or transmission of funds, which are Stripe’s sole responsibility as the processor and holder of those funds.

6.4 Platform fee.ReevePoint charges a one-time platform fee of 1% of the total contract value, segregated from Customer’s payment at the time of the first milestone payment as described in Section 6.2. Fees are non-refundable except as required by law or as ReevePoint may otherwise determine in its sole discretion.

6.5 ACH returns.ACH transfers are not subject to card-network chargebacks, but remain subject to the ACH network’s own return process, including a bank-initiated return of an unauthorized debit. If an ACH return occurs after ReevePoint has already released the corresponding funds to Contractor, Contractor is responsible for the returned amount, and ReevePoint may recover it by offsetting future payouts, direct billing, or other reasonable means.

6.6 Taxes. Each User is solely responsible for determining and paying any taxes arising from amounts paid or received through the Platform.

6.7 Stripe Terms.Payments made or received through the Platform are subject to Stripe’s applicable terms, including the Stripe Services Agreement and the Stripe Connected Account Agreement (collectively, the “Stripe Terms”). By using the Platform’s payment features, each User agrees to be bound by the Stripe Terms in addition to these Terms. If there is a conflict between these Terms and the Stripe Terms regarding the holding, processing, or transmission of funds, the Stripe Terms control.

7.1 Milestone completion notice.When Contractor marks a milestone as complete through the Platform, Customer has 48 hours from that notice to approve the milestone or submit a dispute through the Platform. ReevePoint may, as a courtesy, send Customer one or more reminders to review and act on that notice before the 48-hour window closes. ReevePoint does not guarantee the delivery, receipt, or review of any such reminder, is not obligated to send one, and Customer’s receipt of a reminder is not a condition of the 48-hour window running or of the deemed-approval mechanic described in Section 7.2.

7.2 Deemed approval.If Customer does not respond within that 48-hour window, the milestone is deemed approved, and ReevePoint will direct release of the corresponding payment to Contractor, regardless of whether Customer received, opened, or acted on the completion notice or any reminder described in Section 7.1. ReevePoint relies on Contractor’s assertion of completion and the passage of this response window; ReevePoint does not independently verify the actual completion, quality, or code-compliance of any work before a milestone is approved or deemed approved. You should not assume ReevePoint has confirmed the work is complete or satisfactory merely because payment has released.

7.3 Customer approval. If Customer affirmatively approves a milestone within the 48-hour window, ReevePoint will direct release of the corresponding payment to Contractor.

7.4 Disputed milestones. If Customer disputes a milestone within the 48-hour window, payment for that milestone is held (not paid out) pending resolution under Section 8. Undisputed milestones continue to release on the normal schedule.

7.5 Release upon negotiated resolution. If Customer and Contractor reach a negotiated resolution of a dispute under Section 8.2, both parties must enter into a mutually signed agreement that sets forth the resolution (for example, a specific division of the disputed amount) and email the executed resolution agreement to ReevePoint at info@reevepoint.com. Upon review of the resolution agreement, ReevePoint will execute the confirmed resolution exactly as entered, without independently investigating or interpreting the underlying dispute.

7.6 Release upon arbitration award or judicial order.If a dispute is resolved by binding arbitration or judicial order under the applicable User Contract, ReevePoint will execute the resulting award in accordance with its terms, in the structured, executable form described in Section 8.4, without independently interpreting the arbitrator’s or court’s reasoning.

7.7 Limits on ReevePoint’s liability for payment releases.ReevePoint disclaims liability for any good-faith release of payment made in accordance with Sections 7.2 through 7.6, including a release based on Contractor’s assertion and Customer’s non-response under Section 7.2, and regardless of whether Customer received, reviewed, or acted on the completion notice or any reminder described in Section 7.1, regardless of whether the underlying work was in fact complete, satisfactory, or as represented. This disclaimer does not extend to a release that did not follow the process described in this Section 7 (for example, a release made before the 48-hour window in Section 7.1 has elapsed, or without the required notice being sent), which remains subject to the general limitation of liability in Section 14.

8.1 ReevePoint facilitates; Users resolve. ReevePoint provides tools to help Customers and Contractors communicate and attempt to resolve disputes arising out of a User Contract. ReevePoint does not investigate, adjudicate, or decide the merits of any dispute between Users, and Users are solely responsible for resolving disputes between themselves. Nothing in this Section 8 or elsewhere in these Terms makes ReevePoint a mediator, arbitrator, or guarantor of any dispute outcome.

8.2 Direct negotiation. Disputes between Customer and Contractor arising out of a User Contract must first be addressed through direct negotiation on the Platform for no less than 5 business days before either party escalates further.

8.3 Negotiated resolution. If the parties reach agreement, they must enter and confirm identical structured resolution terms through the Platform as described in Section 7.5.

8.4 Further Dispute Resolution. If Customer and Contractor do not reach a negotiated resolution, the applicable User Contract will set forth the dispute resolution process for Customer and Contractor.

8.5 No ReevePoint role in the merits. ReevePoint is not a party to, and has no role in deciding, any dispute resolution under this Section 8, other than the mechanical functions described in Section 7.

9.1 Scope. This Section 9 governs disputes between you and ReevePoint arising out of or relating to these Terms or your use of the Platform. It does not apply to disputes between Customer and Contractor, which are governed by Section 8 and the applicable User Contract.

9.2 Agreement to arbitrate. You and ReevePoint agree that any dispute arising out of or relating to these Terms or the Platform will be resolved by binding arbitration on an individual basis, rather than in court, except that either party may bring an individual claim in small claims court where the claim qualifies, and either party may seek injunctive relief in court for infringement or misuse of intellectual property. This arbitration agreement is governed by the Federal Arbitration Act.

9.3 Arbitration provider and rules.Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules in Wilmington, Delaware, or remotely at the consumer’s election. Arbitration fees will be allocated in accordance with the administering provider’s consumer arbitration fee schedule.

9.4 Class action waiver. You and ReevePoint each agree to bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator has no authority to consolidate claims or preside over any class or representative proceeding.

9.5 Notice of Dispute; Informal Resolution.Before commencing arbitration, the party asserting a claim must send the other party a written notice of dispute describing the claim and the relief sought. Notice to ReevePoint should be sent to the address in Section 21.5; notice to a User should be sent to the email address associated with that User’s account. The parties will attempt in good faith to resolve the dispute informally for 30 days after notice is sent. Either party may commence arbitration after that period if the dispute remains unresolved.

9.6 Delegation. Except as prohibited by applicable law, the arbitrator, and not any court, has exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this Section 9, including any claim that all or part of this Section 9 is void or voidable.

10.1 Self-reported information.License numbers, license types, insurance coverage, and similar credentials displayed on the Platform are self-reported by Contractors. ReevePoint does not independently verify Contractor licensing, insurance, or credentials unless expressly stated otherwise on the Platform. Customers are responsible for independently verifying a Contractor’s license status with the applicable state licensing board and confirming a Contractor’s insurance coverage before entering into a User Contract.

10.2 No endorsement.ReevePoint’s provision of a Contractor’s profile, or a Contractor’s use of the Platform, is not an endorsement, recommendation, or guarantee of that Contractor’s work, qualifications, or reliability.

12.1 Platform provided “as is.”THE PLATFORM, INCLUDING ANY TEMPLATE, AI-ASSISTED CONTENT, OR OTHER TOOL PROVIDED THROUGH IT, IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

12.2 No warranty regarding Users or User Contracts. REEVEPOINT DOES NOT WARRANT THE CONDUCT, PERFORMANCE, QUALIFICATIONS, OR RELIABILITY OF ANY USER, OR THE LEGAL SUFFICIENCY, ENFORCEABILITY, OR ACCURACY OF ANY USER CONTRACT OR AI-ASSISTED CONTENT.

13.1 Beta status. The Platform is currently offered as a Beta service. Features, functionality, and availability may change, be limited, or be discontinued at any time without notice. The Platform may contain errors and is not guaranteed to be uninterrupted, secure, or error-free.

13.2 Geographic scope. During the Beta period, ReevePoint may limit availability of the Platform to specific states, regions, or projects, as described on the Platform.

13.3 Feedback.You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Service (“Submissions”), provided by you to ReevePoint are non-confidential and ReevePoint will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

13.4 Confidentiality.During the Beta Period, you agree to keep confidential, and not to disclose to any third party, any non-public information about the Platform that you learn or observe as a result of participating in the Beta, including non-public features, functionality, performance, security vulnerabilities, and any beta-testing feedback, bug reports, or usage data ReevePoint shares with you regarding the Beta (collectively, “Beta Information”). This obligation does not apply to Beta Information that: (a) is or becomes publicly available through no fault of yours; (b) you already lawfully possessed without any confidentiality obligation before receiving it from ReevePoint; (c) you independently develop without use of or reference to the Beta Information; or (d) you are required to disclose by law or valid legal process, provided you give ReevePoint reasonable advance notice where legally permitted.

14.1 Exclusion of certain damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL REEVEPOINT, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THESE TERMS, THE PLATFORM, OR YOUR USE OF OR INABILITY TO USE THE PLATFORM.

14.2 Specific exclusions.TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND SUBJECT TO SECTION 14.4, REEVEPOINT ASSUMES NO LIABILITY OR RESPONSIBILITY FOR: (A) ERRORS, MISTAKES, OMISSIONS, OR INACCURACIES IN AI-GENERATED CONTENT (SECTION 5.2) OR IN CONTENT SUBMITTED BY ANY USER; (B) PERSONAL INJURY OR PROPERTY DAMAGE ARISING FROM CONTRACTOR’S PERFORMANCE OF WORK UNDER A USER CONTRACT; (C) UNAUTHORIZED ACCESS TO OR USE OF REEVEPOINT’S SERVERS, OR ANY INFORMATION STORED THERE; (D) INTERRUPTION OR CESSATION OF THE PLATFORM’S OPERATION, INCLUDING AS DESCRIBED IN SECTION 13 (BETA SERVICE); (E) BUGS, VIRUSES, OR SIMILAR HARMFUL CODE TRANSMITTED TO OR THROUGH THE PLATFORM BY A THIRD PARTY; (F) LOSS OR DAMAGE ARISING FROM RELIANCE ON CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE BY ANOTHER USER THROUGH THE PLATFORM; AND (G) THE CONDUCT OF ANY USER, INCLUDING DEFAMATORY, OFFENSIVE, OR UNLAWFUL CONDUCT. REEVEPOINT DISCLAIMS LIABILITY FOR DISCLOSURE OF INFORMATION A USER CONSIDERS CONFIDENTIAL, EXCEPT TO THE EXTENT CAUSED BY REEVEPOINT’S OWN BREACH OF ITS PRIVACY POLICY OR BY REEVEPOINT’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.

14.3 Cap on liability.TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND SUBJECT TO SECTION 14.4, REEVEPOINT’S TOTAL LIABILITY TO YOU ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE PLATFORM FEES YOU PAID TO REEVEPOINT IN THE 6 MONTHS BEFORE THE CLAIM AROSE, OR (B) $100. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, AND EVEN IF REEVEPOINT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND IS AN ESSENTIAL BASIS OF THE AGREEMENT BETWEEN YOU AND REEVEPOINT.

14.4 Carve-outs.Nothing in this Section 14 limits or excludes liability for: (a) ReevePoint’s gross negligence, willful misconduct, or fraud; (b) death or bodily injury caused by ReevePoint’s own negligence, to the extent such a limitation is not permitted by applicable law; or (c) any other liability that cannot be limited or excluded as a matter of applicable law.

16.1 ReevePoint’s property.Except as provided in these Terms, ReevePoint retains all rights in the Platform. Except for your User Content, the Platform and all materials therein or transferred thereby, including, without limitation, software, images, text, graphics, the Templates and other document materials, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, and music (the “ReevePoint Content”) and all intellectual property rights related thereto, are the exclusive property of ReevePoint and its licensors. Except as explicitly provided in these Terms, nothing in these Terms shall be deemed to create a license in or under any such intellectual property rights, and you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from any materials or content accessible on the Platform. Use of the ReevePoint Content or other materials on the Platform for any purpose not expressly permitted by these Terms is strictly prohibited.

16.2 User content.You retain ownership of content you submit to the Platform (such as project descriptions, photos, and messages) (“User Content”), and grant ReevePoint a license to use it as reasonably necessary to operate and improve the Platform.

16.3 DMCA / Copyright Infringement. ReevePoint respects intellectual property rights and expects Users to do the same. If you believe that any User Content or other material on the Platform infringes a copyright you own or control, please send a written notice to our designated copyright agent at info@reevepoint.com with the subject line “DMCA Takedown Request.” Your notice must include: (a) a physical or electronic signature of the copyright owner or an authorized agent; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the material claimed to be infringing and its location on the Platform; (d) your contact information (name, address, telephone number, and email); (e) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or law; and (f) a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf. We will respond to valid DMCA notices in accordance with applicable law and may disable or remove access to the allegedly infringing material pending investigation.

18.1 By you. You may stop using the Platform and close your account at any time, subject to completing any pending obligations under an active User Contract.

18.2 By ReevePoint. ReevePoint may suspend or terminate your access to the Platform for violation of these Terms, suspected fraud, or as ReevePoint reasonably determines is necessary to protect the Platform or other Users.

18.3 Effect of termination. Termination of your Platform access does not terminate or affect any User Contract already in effect between you and another User, which remains governed by its own terms.

18.4 Survival. Sections 6 (with respect to funds already processed), 8, 9, 12, 13.4, 14, 15, 16, 19, and this Section 18.4, together with any other provision that by its nature should survive, remain in effect after termination of your Platform access or these Terms.

21.1 Entire agreement. These Terms, together with any policies referenced in them, constitute the entire agreement between you and ReevePoint regarding the Platform and supersede any prior agreements.

21.2 Assignment.You may not assign these Terms without ReevePoint’s prior written consent. ReevePoint may assign these Terms in connection with a merger, acquisition, or sale of assets.

21.3 Severability.If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable, consistent with Section 9’s arbitration agreement being enforced to the fullest extent the FAA permits.

21.4 No waiver.ReevePoint’s failure to enforce a provision of these Terms is not a waiver of its right to do so later.

21.5 Notices. ReevePoint may provide notices to you electronically, through the Platform or to the email address associated with your account. Notices to ReevePoint should be sent to: ReevePoint Inc., 251 Little Falls Drive, Wilmington, New Castle County, Delaware 19808, or by email to info@reevepoint.com.

21.6 Force majeure.Neither party is liable for delay or failure to perform an obligation under these Terms (other than payment obligations) due to causes beyond that party’s reasonable control.

21.7 Electronic communications and signatures. You consent to receive communications from ReevePoint electronically, and agree that electronic signatures and records satisfy any legal requirement that such communications be in writing, consistent with the ESIGN Act (15 U.S.C. §7001) and applicable state law.