Terms of Service

1. Acceptance of these Terms

These Terms of Service (the “Terms”) are a binding agreement between you and Trusavo, Inc. (“Trusavo,” “we,” “us”), a company headquartered in Florida. They govern your use of trusavo.com, app.trusavo.com, and all related services (together, the “Platform”). By creating an account or using the Platform, you accept these Terms. If you do not agree, do not use the Platform.

Additional policies are part of these Terms by reference: our Privacy Policy, Cookie Policy, Refund & Cancellation Policy, and any program or subscription terms presented to you when you enroll. If those documents conflict with these Terms, the more specific document controls for its subject matter.

2. Key terms

• •“Homeowner” — a user who posts a project and funds escrow.
• •“Contractor” — an independent business that bids on and performs projects.
• •“Inspector” — an independent professional who verifies milestone completion.
• •“Project Contract” — the agreement between a Homeowner and a Contractor generated and e-signed on the Platform, including its scope, price, and milestone schedule.
• •“Escrow Account” — the dedicated account within Trusavo's escrow system in which a project's funds are held.
• •“Milestone” — a contractually defined unit of work with its own amount and proof requirements.
• •“Release” — a disbursement of escrowed funds to a Contractor after the conditions in these Terms and the Project Contract are met.

3. Eligibility & accounts

You must be at least 18 years old and able to form a binding contract. You agree to provide accurate, current information and to keep it updated — especially your email address and phone number, which are how money-movement notices reach you.

You are responsible for safeguarding your account credentials and for all activity under your account. We strongly recommend enabling two-factor authentication. Notify us immediately at support@trusavo.com of any suspected unauthorized use.

4. Trusavo's role — marketplace and escrow administrator

Trusavo plays two distinct roles. First, we operate a marketplace that connects Homeowners, Contractors, and Inspectors. TRUSAVO IS NOT A PARTY TO ANY PROJECT CONTRACT. We do not perform construction services, and we do not supervise, direct, or control a Contractor's work. The Project Contract is between the Homeowner and the Contractor exclusively.

Second, we administer escrow for funded projects: we hold project funds in dedicated Escrow Accounts and disburse them according to the rules in Section 7 (Escrow Terms) and the Project Contract. Our obligations with respect to project funds are limited to holding and disbursing them in accordance with those rules — we are not a guarantor of any party's performance.

Trusavo is not a bank. Escrow funds are held exclusively in accounts at regulated, FDIC-insured US depository institutions, and the escrow portfolio is supervised by an independent third-party oversight firm.

5. Contractors and Inspectors are independent

Contractors are independent business owners — not employees, agents, partners, joint venturers, or franchisees of Trusavo. They select their own jobs, set their own prices, use their own tools and personnel, and are solely responsible for the quality, legality, and safety of their work, including licensing, permits, insurance, and their subcontractors and employees.

Inspectors are independent professionals who render milestone verification decisions. They are not guarantors or insurers of workmanship, and an approved inspection is a verification of contracted completion — not a warranty of future performance or a substitute for municipal code inspections.

6. Verification & background checks

We screen Contractors and Inspectors before they can work on the Platform: license verification, identity verification (KYC/KYB), insurance documentation, and background checks performed by a consumer reporting agency. Contractors and Inspectors receive a standalone FCRA disclosure and provide written authorization before any background check is ordered, and have the dispute and adverse-action rights described in that disclosure.

Verification reduces risk; it does not eliminate it and is not a warranty. We do not guarantee that a verified user will perform, and you remain responsible for your own hiring and approval decisions. Verification statuses reflect information available at the time of the check.

7. Escrow terms

Funding. When a Project Contract is signed, the Homeowner funds the contract amount into the project's Escrow Account by bank transfer (ACH or wire) through the Platform. Funds must fully clear (“good funds”) before work is scheduled to begin. We may delay or reject funding that fails verification, appears fraudulent, or violates law.

Custody. Escrowed funds are held in dedicated accounts at regulated, FDIC-insured US banks — never in non-bank accounts — under the supervision of an independent third-party escrow oversight firm. Every deposit, hold, release, and refund is recorded on an append-only, double-entry ledger visible to both parties to the project.

Interest. Where permitted by applicable law, interest and other earnings on escrowed funds are retained by Trusavo as platform revenue. This is how the Platform remains free for Homeowners: we earn on the time funds are held instead of charging escrow or transaction fees. Neither Homeowner nor Contractor receives interest on escrowed funds.

Releases. Funds release from escrow only: (a) per the milestone rules in Section 8; (b) per a resolution under Section 11 (Disputes); (c) per the Refund & Cancellation Policy; or (d) as required by a court order or applicable law. Releases to Contractors are made to their verified payout account.

Unclaimed funds. If funds remain unclaimed after a project closes (for example, a party fails to provide valid payout or refund details) despite our reasonable attempts to contact you, they may be subject to dormancy fees and escheatment to the applicable state as unclaimed property, as required by law.

8. Milestones, inspections & releases

Each milestone follows the same lifecycle: the Contractor submits it with proof (photos, video, documents); an independent Inspector reviews and approves or flags it; upon approval, the Homeowner has a confirmation window defined in the Project Contract to confirm or flag.

Automatic release. If an inspected, approved milestone is neither confirmed nor flagged within the confirmation window, the release executes automatically. This protects Contractors from silent non-response. Reminders are sent before any automatic release. A release, once executed, is final — subject only to Section 11.

Flagged milestones. A flag by the Inspector or the Homeowner pauses release for that milestone and routes it to rework or the dispute process. Funds for flagged milestones remain in escrow until resolution.

9. Fees & subscriptions

Homeowners pay no escrow fees, transaction fees, or membership fees for the core service. Optional premium features, if offered, will be clearly priced before purchase.

Contractors may subscribe to Contractor Pro ($49/month) or Enterprise plans. Subscriptions renew monthly, are billed to the payment method on file, and can be cancelled anytime effective at the end of the current billing period. Subscription fees for a started period are non-refundable except where required by law.

We will give at least 30 days' notice before any fee increase or the introduction of a new fee that applies to you.

10. Cancellations & refunds

Cancellation rights and refund mechanics — including the pre-work grace period, mid-project termination, and hardship waivers — are set out in the Refund & Cancellation Policy, which is part of these Terms. In summary: verified completed work stays paid; funds for work not performed return to the Homeowner; work in progress is assessed by an Inspector and settled per the Project Contract.

11. Disputes between users

You agree to raise project disputes through the Platform's resolution process before pursuing other remedies: a flag or written complaint, evidence from both sides on defined timelines, re-inspection where appropriate, and mediation by our resolution team against the Project Contract. Outcomes may include full release, partial release, rework requirements, or refund — executed from the escrowed funds.

Escrowed funds tied to a disputed milestone remain held until the dispute resolves. If the parties cannot resolve a dispute through this process, either party may pursue the remedies preserved in the Project Contract and applicable law, and we may, at our discretion, continue holding disputed funds pending joint written instructions from both parties, a final resolution, or a court or arbitral order — or deposit the disputed funds with a court of competent jurisdiction.

12. Off-platform payments (circumvention)

The Platform's protections only work when the money flows through escrow. For any project initiated on the Platform, you agree not to make, request, or accept payment outside the Platform, and not to move a Platform-introduced relationship off-platform to avoid escrow. Homeowners should promptly report any Contractor who proposes off-platform payment (and vice versa) to support@trusavo.com.

Off-platform payments void the Platform's protections for those amounts — no escrow, no inspection gate, no dispute process — and are grounds for account termination.

13. Your content & reviews

You retain ownership of content you post (project descriptions, photos, bids, messages, reviews) and grant Trusavo a non-exclusive, worldwide, royalty-free license to host, use, reproduce, and display it to operate and promote the Platform. You are responsible for having the rights to what you post.

Reviews may only be left by parties to a completed or terminated project, must comply with our review guidelines, and are moderated against the project's documented record. Reviews are part of the Platform's trust system and may persist after account deletion.

We may remove content that violates these Terms or the law, and we respond to valid copyright notices under the DMCA (send notices to legal@trusavo.com).

14. Prohibited activities

• •Violating any law, regulation, or third-party right, or using the Platform for any fraudulent or deceptive purpose;
• •Misrepresenting your identity, licensure, insurance, or verification status;
• •Circumventing escrow or soliciting off-platform payment for Platform-initiated projects;
• •Funding escrow with unlawful proceeds, or using the Platform for money laundering or structuring;
• •Interfering with the Platform's operation, scraping at scale, reverse engineering, or probing its security;
• •Harassing, threatening, or discriminating against other users, or abusing the review or dispute systems;
• •Creating accounts for anyone other than yourself or after we have terminated your access.

15. Communications & SMS consent

By providing your mobile number you consent to receive transactional and service text messages about your projects and account (bid alerts, inspection updates, money-movement confirmations, verification codes). Message frequency varies; message and data rates may apply; reply STOP to cancel and HELP for help. Consent to marketing messages, where separately requested, is not a condition of using the Platform, and SMS opt-in data is never shared with third parties for their own marketing.

You consent to receive notices and disclosures electronically at the email address on your account. Transactional notices about escrow, inspections, and releases cannot be disabled while you have an active funded project.

16. What Trusavo is not

The Platform's protections come from escrow custody and independent inspection — they are not insurance, a surety bond, or a guarantee of workmanship. Trusavo does not insure Homeowners, Contractors, projects, or property. Contractors are required to carry their own insurance, and Homeowners should maintain appropriate homeowner's insurance. Milestone inspections do not replace municipal permit inspections.

17. Disclaimers

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, TRUSAVO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THE QUALITY, SAFETY, LEGALITY, OR COMPLETION OF ANY CONTRACTOR'S WORK, THE ACCURACY OF AI-GENERATED SCOPES OR ESTIMATES (WHICH ARE PLANNING AIDS, NOT QUOTES), OR UNINTERRUPTED AVAILABILITY OF THE PLATFORM.

18. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, TRUSAVO WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATING TO THE PLATFORM OR ANY PROJECT.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM IS LIMITED TO THE GREATER OF (A) ONE HUNDRED US DOLLARS ($100) OR (B) THE AMOUNTS YOU PAID TO TRUSAVO IN FEES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

This limitation does not apply to our obligation to hold and disburse escrowed funds in accordance with Section 7, to liability that cannot be limited by law, or to either party's fraud or willful misconduct. Nothing in this section reduces your ownership of funds properly held in escrow for your project.

19. Indemnification

You agree to defend, indemnify, and hold harmless Trusavo and its officers, directors, employees, and agents from claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from: your breach of these Terms; your content; your violation of law or third-party rights; your projects and your interactions with other users, including the performance or non-performance of construction services; and, for Contractors, the acts and omissions of your employees and subcontractors.

20. Arbitration & class action waiver

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR RIGHTS. Except for small-claims matters and the project-level process in Section 11, any dispute between you and Trusavo arising from these Terms or the Platform will be resolved by BINDING INDIVIDUAL ARBITRATION administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Miami-Dade County, Florida (or conducted remotely by agreement). The Federal Arbitration Act governs this section.

Before filing, the complaining party must send a written Notice of Dispute to legal@trusavo.com (or to your account email, if we initiate) and allow 45 days for informal resolution. YOU AND TRUSAVO EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. If 25 or more similar demands are filed by coordinated counsel, the parties agree to AAA mass-arbitration batching procedures.

Opt-out: you may reject this arbitration agreement by emailing legal@trusavo.com with the subject “Arbitration Opt-Out” within 30 days of first accepting these Terms. Opting out does not affect any other provision.

21. Termination

You may close your account at any time by emailing support@trusavo.com. Accounts with active funded projects must first complete or resolve them — escrow obligations survive account closure.

We may suspend or terminate your access immediately for material breach (including circumvention, fraud, or failed verification), where required by law, or to protect users or the Platform, and otherwise on 30 days' notice. Termination does not affect funds properly held in escrow, which are disbursed according to Section 7, the Refund & Cancellation Policy, and any pending resolution process.

22. Governing law & venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Subject to the arbitration agreement, any judicial proceeding must be brought in the state or federal courts located in Miami-Dade County, Florida, and you consent to their jurisdiction.

23. Changes to these Terms

We may update these Terms from time to time. For material changes we will give at least 30 days' notice by email and in-app posting before the changes take effect; non-material changes are effective on posting with an updated date. If you do not agree to a change, stop using the Platform and close your account before the effective date — continued use constitutes acceptance. Changes to the arbitration section may be rejected within 30 days without affecting the remainder of the Terms.

24. Miscellaneous

These Terms, with the incorporated policies, are the entire agreement between you and Trusavo about the Platform. If any provision is found unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets with notice to you. Force majeure: neither party is liable for delays caused by events beyond its reasonable control, though escrowed funds remain held and protected during any such event. Survival: sections concerning escrow, content, disputes, liability, indemnification, and arbitration survive termination.