Provider Terms of Service

1. Who We Are and What You Are Agreeing To

GatU is operated by Judea Holdings LLC, a North Carolina limited liability company doing business as GatU ("GatU," "we," or "us"). These Provider Terms of Service ("Terms") govern the GatU Business mobile application and any other GatU application, website, or service made available to service providers (the "Provider Services"). The Provider Services, the GatU Customer application, and our website are together the "Platform."

The Platform connects independent home-service professionals ("Providers" or "you") with customers who need home services ("Clients"). By creating an account or using the Provider Services, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the Provider Services. If you use them for a business, you confirm you can bind that business.

2. Eligibility and Verification

To be a Provider you must be at least 18, legally able to work in the United States, and hold every license, permit, registration, and insurance policy the law requires for the services you offer. You must give us accurate information and keep it current.

Before approval you must submit a government-issued photo ID and any relevant licenses, certifications, or proof of insurance. We may verify these directly or through third parties and may re-verify at any time. Where we run a background check, we will first provide the disclosures and get the separate authorization required by the Fair Credit Reporting Act.

We may approve or deny any application in our discretion. False or misleading information or documents will result in permanent removal. You are responsible for keeping your login secure and for everything done through your account; accounts can't be shared or transferred.

3. You Are an Independent Contractor

GatU is a technology platform. We do not perform home services and are not your employer, agent, general contractor, or partner. You are an independent business: you decide which jobs to accept, how and when to do the work, and what tools to use. You are not entitled to employee benefits from GatU and are responsible for your own expenses, taxes, insurance, and legal compliance.

Each service contract is between you and the Client. GatU is not a party to it.

4. Payments, Fees, and Taxes

Payments. Clients pay through the Platform. Payments are processed by Stripe, Inc. To receive payouts you must set up a Stripe Connect account and accept Stripe's Connected Account Agreement (stripe.com/legal). You authorize us to share your information with Stripe for this purpose. We are not responsible for delays or errors caused by Stripe, your bank, or incorrect payout details you give us.

Fees. GatU deducts a service fee from Client payments before paying you. Current fees and payout timing are shown on the Platform. We may change fees on reasonable advance notice; changes don't apply to jobs you already accepted.

Taxes. You are responsible for all taxes on your earnings, including self-employment tax. We (or Stripe) may issue tax forms such as Form 1099 where required. You agree to provide a valid taxpayer identification number.

Refunds and chargebacks. If a Client is refunded or wins a chargeback for your work, we may deduct that amount from your current or future payouts, or bill you for it, where the law allows.

5. Communications and Text Messages

You agree to receive communications from us electronically: in the Platform, by email, by push notification, and by text message or phone call as described below. Electronic notices satisfy any legal requirement that they be in writing.

Text messages. When you provide and verify your mobile number, you agree to receive automated texts from GatU about your account and jobs, including verification codes, security alerts, job requests and booking updates, Client messages, payment notices, and support replies. GatU does not send marketing texts. Consent to receive texts is not a condition of using the Platform. Message frequency varies. Message and data rates may apply. Reply STOP to opt out (you'll get one confirmation message); reply START to re-enroll. Reply HELP for help, or contact us using the details in Section 15. Carriers are not liable for delayed or undelivered messages. If you opt out, we may send time-sensitive notices by email or push notification instead.

Your mobile number and text-message opt-in consent will not be shared with or sold to third parties or affiliates for marketing or promotional purposes.

In-app messaging and calls. Use in-app messaging and calling only for jobs booked through the Platform. Don't send unlawful, harassing, or deceptive content, and don't use it to move work off the Platform. Messages and calls may be logged, recorded, and reviewed for safety, fraud prevention, dispute resolution, and legal compliance, and you consent to this. Client contact information may be used only to perform the booked job.

6. Privacy and Third-Party Services

Our Privacy Policy explains what information we collect and how we use it. All Platform data is hosted in the United States. We use service providers to run the Platform, including Stripe (payments), Twilio (text messages and calls), MongoDB Atlas (database hosting), PostHog (product analytics), and Sentry (error monitoring). They may use your information only to provide services to us.

7. Your Conduct

You agree to:

• Do professional, safe, and workmanlike work within the scope of your licenses and approved service categories.
• Honor jobs you accept, show up on time, and tell Clients promptly about delays, changes, or cancellations.
• Follow all applicable laws, codes, and permit requirements.
• Get the Client's agreement through the Platform before doing work beyond what was booked.
• Treat Clients and their property with respect and without unlawful discrimination, and never work while impaired.

You agree not to:

• Give false information, impersonate anyone, or create accounts you're not authorized to create.
• Accept or solicit payment outside the Platform for jobs booked or started through it, or steer Clients off the Platform.
• Harass, threaten, or harm any Client, Provider, or GatU staff, or use Client information for anything other than the booked job.
• Post or solicit fake reviews.
• Scrape, reverse-engineer, or interfere with the Platform, or create a new account after being removed.

8. Insurance and Licensing

You must maintain, at your own cost, all insurance appropriate for your trade and required by law, including general liability insurance and workers' compensation for anyone who works for you. GatU does not insure Providers. You'll provide proof of insurance and licenses when we ask. We may show your license or insurance status on your profile based on what you submit, but we don't guarantee it to Clients.

9. Reviews and Client Disputes

Clients may rate and review you. Reviews are their opinions, not ours; we may remove content that breaks our rules. Repeated low ratings or complaints can lead to reduced visibility, suspension, or removal.

Try to resolve disagreements with Clients directly using the in-app dispute tools. If that fails, either side can escalate to us. We may review the dispute and take action we think is fair, including refunding the Client in whole or part, holding or adjusting your payout, or acting against either account. Our decision about funds handled through the Platform is final as between you and GatU for that job. It doesn't limit either party's right to pursue the other directly, and it doesn't make GatU a party to your contract with the Client.

10. Suspension and Termination

You can close your account at any time. We may suspend or remove your account, with or without notice, if we reasonably believe you have broken these Terms or our policies, acted fraudulently, unsafely, or unlawfully, failed verification, received repeated substantiated complaints, created legal risk for GatU or others, or been inactive for a long time. Payouts for completed jobs will still be paid, less any amounts we're entitled to deduct. Sections 3, 4, 9, and 11 through 15 survive termination.

11. Intellectual Property

The Platform and the GatU name and logos belong to GatU or our licensors. We grant you a limited, revocable license to use the Provider Services to offer and provide services through the Platform. You own the content you post (such as your profile and photos) and grant us a royalty-free license to use it to operate, promote, and improve the Platform. You confirm you have the rights to post it. We may use any feedback you give us without obligation.

12. Disclaimers, Liability, and Indemnity

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DON'T PROMISE THAT THE PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE, THAT YOU WILL RECEIVE ANY NUMBER OF JOBS OR LEVEL OF INCOME, OR THAT ANY CLIENT OR JOB SITE IS SAFE OR AS DESCRIBED.

TO THE FULLEST EXTENT THE LAW ALLOWS, GATU AND ITS OWNERS, EMPLOYEES, AND SERVICE PROVIDERS ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL. OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF THE PLATFORM FEES YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR $100. THESE LIMITS DON'T APPLY WHERE THE LAW DOESN'T ALLOW THEM.

You will defend and indemnify GatU and its owners, employees, and affiliates against claims, losses, and expenses (including reasonable attorneys' fees) arising from the services you perform or fail to perform, including injury or property damage; your breach of these Terms or the law; your content; your tax, insurance, or licensing obligations; or any claim that you are an employee of GatU.

13. Governing Law and Arbitration

These Terms are governed by North Carolina law and the Federal Arbitration Act. Before starting arbitration or a lawsuit, you and GatU agree to send the other written notice of the dispute and try to resolve it for 30 days.

Any dispute between you and GatU that isn't resolved informally will be decided by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, in Forsyth County, North Carolina, or by video. Either party may instead bring an individual claim in small-claims court, or go to court for injunctive relief to protect intellectual property or stop misuse of the Platform.

CLASS ACTION WAIVER: You and GatU may bring claims only individually, not as a plaintiff or class member in any class, collective, or representative proceeding. If this waiver is unenforceable for a claim, that claim proceeds in court and the rest are arbitrated. Any court proceeding will be in the state or federal courts in Forsyth County, North Carolina.

14. Changes and General Terms

We may update these Terms. For material changes we will give you reasonable advance notice on the Platform, by email, or by text; other changes take effect when posted. Continuing to use the Provider Services after a change means you accept it.

These Terms and the Privacy Policy are the entire agreement between you and GatU about the Platform. If any part is unenforceable, the rest still applies. Not enforcing a right isn't a waiver of it. You may not transfer these Terms or your account without our consent; we may transfer them, including in a merger or sale. We aren't liable for delays caused by events outside our reasonable control. If you download a GatU app from the Apple App Store or Google Play, that store's terms also apply, and the store is a third-party beneficiary of these Terms.

15. Contact

By using the Provider Services, you confirm that you have read and agree to these Terms and our Privacy Policy.