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SKILLD DETROIT LLC — TERMS & CONDITIONS 1. Platform: Marketplace connecting independent tradespeople with homeowners in Metro Detroit. Not an employer of tradespeople.

2. Commission: Founding members (first 90 days): 5% FOREVER. Standard: 7%. Homeowners: 10% + Stripe fees (2.9% + $0.30).

3. Escrow & Payment: Funds held until homeowner approves work. 5-day dispute window. Auto-releases after 5 days with no dispute.

4. Disputes: File within 5-day window with photo evidence. Real person responds within 24 hours. Decision is binding.

5. Background Checks: All tradespeople verified before accepting jobs. Contractors responsible for anyone they bring.

6. Two-Way Reviews: Both parties rated after every job. Ratings visible before job acceptance.

7. Cancellations: Cancel within 4hrs of job start = 1 strike. 2 strikes/month = suspension. 3 strikes = permanent ban.

8. Liability: SKILLD Detroit is a marketplace platform only. Not liable for work quality, injuries, or property damage.

9. Founding Member Guarantee: 5% commission locked forever — never increases for founding members.

10. Independent Contractors: Tradespeople are independent contractors — not employees, agents, or partners of SKILLD Detroit. You set your own schedule, methods, and pricing, supply your own tools, and are responsible for your own taxes (a 1099 may be issued if IRS thresholds are met). Nothing here creates an employment, agency, joint-venture, or partnership relationship.

11. Licensing & Permits: Tradespeople are solely responsible for holding all licenses, certifications, and permits required by Michigan and local law for the work they perform. Michigan requires a licensed residential builder or M&A contractor for many residential jobs above state thresholds. SKILLD Detroit does not verify licensure for every job and is not responsible for unlicensed work.

12. Insurance: "Insured" badges reflect information provided by the tradesperson and are not a guarantee by SKILLD Detroit. SKILLD Detroit provides no insurance coverage for any user. Homeowners should confirm coverage directly for larger jobs.

13. Electronic Consent (E-SIGN): By creating an account you consent to receive agreements, disclosures, and notices electronically, and you agree your electronic acceptance has the same legal effect as a handwritten signature.

14. Governing Law: Michigan law. Livingston County. Binding arbitration. Class action waiver.

SKILLD DETROIT LLC — PRIVACY POLICY 1. Information We Collect: Account details (name, email, phone, service area), job details and photos you upload, identity and verification documents, background-check results (via our provider), payment information (processed by Stripe — we do not store full card numbers), and device, usage, and approximate location data.

2. How We Use It: To create and manage your account, match homeowners with tradespeople, process payments through escrow, run background checks, provide support, prevent fraud, comply with law, and improve the platform.

3. How We Share It: With the other party to a job (limited info needed to complete it), with service providers (e.g., Stripe for payments, Checkr for background checks, Google Firebase for hosting/data), and when required by law or to protect users. We do not sell your personal information.

4. Background Checks: For tradespeople, we use a third-party consumer reporting agency to verify identity and screen criminal/sex-offender records. See the Background Check Disclosure shown during pro onboarding.

5. Data Security: Documents and sensitive data are encrypted in transit and at rest. No system is 100% secure; we work to protect your information but cannot guarantee absolute security.

6. Data Retention: We keep your information while your account is active and as needed for legal, tax, dispute, and fraud-prevention purposes, then delete or anonymize it.

7. Your Choices: You may access, update, or request deletion of your information, and opt out of marketing messages, by contacting us. Some data must be retained to meet legal obligations.

8. Cookies & Analytics: We use limited cookies and analytics to operate and improve the app.

9. Children: SKILLD Detroit is not intended for anyone under 18, and we do not knowingly collect their information.

10. Changes: We may update this policy and will post the new date above. Continued use means you accept the changes.

11. Contact: skillddetroit@gmail.com