Terms of Service – Contractors

These Terms of Service ("Terms") govern your use of the Renofy platform (the "Platform") as a Contractor – a business or individual carrying out renovation, repair, or home improvement work. The Platform is owned and operated by Renofy Ltd ("Renofy", "we", "us", or "our"), a company registered in England and Wales (Company No. 16288740). By creating an account or using the Platform, you agree to these Terms.

You use the Platform in the course of your business. Separate terms apply to Clients. These Terms are a business-to-business agreement, and the consumer protections that apply to Clients do not apply to you.

1. About Renofy

Renofy is a digital agreement platform for the trades and home improvement market. Through the Platform, you and a Client can create a shared digital job agreement – covering scope, pricing, milestones, and terms – with a timestamped record of everything that was agreed, changed, and delivered. Renofy also provides an optional escrow facility so that money for a job can be held securely until work is approved.

It is important to understand what Renofy does and does not do:

• Renofy does not provide building, trades, design, or professional services itself.
• Renofy is not a party to any agreement formed between you and a Client. That contract is made directly between the two of you.
• Renofy does not hold, receive, or control the money for a Job. Escrow funds are held and released by our payment partner, OPP (see Section 8).
• Renofy does not supervise, manage, or control how work is carried out, and does not review, validate, or guarantee information provided by users.
• Renofy does not provide legal advice or compliance guidance.

Renofy's role is to provide the platform and the record. The responsibility for the work, and for deciding who to engage, remains with you and the Client.

2. Definitions

• Contractor – you: a business or individual who carries out work for a Client through the Platform.
• Client – a user who arranges a Job with a Contractor.
• Job – the work agreed between you and a Client and recorded in an Agreement.
• Agreement – the shared digital job agreement created on the Platform, setting out the scope, pricing, milestones, and terms of a Job. Renofy is not a party to it.
• Milestone – a defined part of a Job, agreed between you and the Client, whose approval triggers the release of a payment.
• Escrow – a secure facility, provided by our payment partner OPP, that holds money for a Job until it is released or refunded.
• OPP – Online Payment Platform Ltd., the FCA-regulated UK payment provider that holds and releases all escrow funds. Renofy instructs OPP under the Agreement but never holds the money itself.
• Independent Reviewer – an independent third party with relevant experience that Renofy may appoint to help review a dispute about a Milestone (see Section 10).

3. Eligibility

To use the Platform, you must:

• be at least 18 years old and able to enter into legally binding agreements;
• be validly registered to trade (for example, registered with Companies House or operating as a sole trader) where the law requires;
• provide accurate registration information and keep it up to date;
• complete any verification we or OPP reasonably require; and
• comply with all laws and regulations applicable to your work.

You also represent and warrant that you:

• are qualified and insured to perform any work you offer or accept;
• will not accept work outside your competence or insurance cover;
• hold and maintain all required licences, qualifications, certifications, and valid insurance; and
• will ensure all information on your profile – including insurance and qualification details – is accurate, current, and not misleading.

4. Where the Platform Can Be Used

The Platform is currently intended for Jobs located in the United Kingdom, carried out by Contractors based in the United Kingdom. We may suspend or restrict access where these conditions are not met, and we may change the territories we serve in future.

5. Your Account

You are responsible for keeping your login details secure. Activity that takes place through your account is treated as carried out by you. You must give accurate information when you register and when you use the Platform, and keep it current.

We may ask you to provide identification or additional documentation at any time, and may suspend access while a requested verification is outstanding.

6. Verification & Documents

Renofy may ask you to provide supporting documents – such as proof of insurance, qualifications, or business registration – and to complete any verification that we or OPP reasonably require. You must keep this information accurate and current.

Providing documents or completing verification does not guarantee your conduct, skill, qualifications, insurance, or suitability for any Job. Where required documents or verification are outstanding, cannot be completed, or are flagged, we may limit, suspend, or refuse account access. Renofy determines which features require verification and may change these requirements at any time.

7. Digital Job Agreements

7.1 What an Agreement is

An Agreement is a shared digital record created on the Platform, setting out the agreed scope, pricing, milestones, and terms of a Job between the parties. Each Agreement is uniquely identifiable within the Platform.

7.2 Formation and electronic signature

When one party creates or proposes an Agreement and the other accepts it through the Platform's acceptance mechanism (such as tapping "Accept"), both parties intend that Agreement to be a legally binding contract between them. Renofy is not a party to it. The acceptance action is an electronic signature within the meaning of the Electronic Communications Act 2000 and the UK eIDAS Regulation. By accepting an Agreement, you confirm your intention to be bound by its terms. Unless you and the Client agree otherwise, Agreements formed through the Platform are intended to be governed by the laws of England and Wales.

7.3 Quotes

Quotes you submit must be as accurate and reflective of the planned work as reasonably possible. Under the Consumer Rights Act 2015, information you provide to a Client – including the quoted price and scope – may become a binding term of the contract between you. When a Client accepts a quote, an Agreement is created.

7.4 Variations

Changes to a Job can be proposed through the Platform by adding or removing milestones. A variation takes effect only when accepted by the other party – one party cannot change an Agreement on its own. Where a variation adds work that costs more than the funds already held in escrow, the additional amount should be paid into escrow by the Client before that work begins to keep it protected; work that is not funded into escrow does not have escrow protection. Removing a funded milestone returns those funds to the Client. Each variation is recorded with the proposing party's identity and a timestamp.

7.5 Audit trail and records

Renofy maintains a timestamped, attributed record of all Agreement events – creation, acceptance, variations, milestone completions, approvals, and other material actions. Once recorded, an action cannot be edited or deleted by either party, and the Platform keeps a single canonical version of each Agreement. This is designed to give both parties credible evidence of what was agreed and done.

7.6 Content responsibility

The value of an Agreement as a record depends on the quality, completeness, and accuracy of what both parties enter. Renofy provides the infrastructure but does not review, validate, or supplement the content. You are encouraged to set out scope, pricing, timelines, and any specific terms clearly. Renofy cannot be responsible for disputes arising from vague, incomplete, or inaccurate Agreement content, and does not guarantee the outcome of any legal proceedings or the enforceability of any specific Agreement.

7.7 Client cancellation rights

Where a Job is agreed at a distance, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 may give the Client a right to cancel within 14 days. This applies to your agreement with the Client, not to these Terms. You are responsible for understanding and complying with your obligations to consumers, including providing any cancellation information the law requires. Renofy does not give legal advice on whether cancellation rights apply.

8. Payments and Escrow

8.1 Renofy is not a payment service provider

Renofy does not hold, receive, or control the money for a Job at any time. Renofy is a technical service provider: we provide the platform that lets you and your Client agree milestones and instruct the payment provider. The payment service itself – holding, releasing, and refunding money – is provided by OPP (Online Payment Platform Ltd.), an electronic money institution authorised by the Financial Conduct Authority. Renofy is not a bank, payment institution, or e-money institution, and is not itself authorised by the FCA. Money held in escrow is safeguarded by OPP as an electronic money institution, separately from OPP's own funds; it is not a bank deposit and is not protected by the Financial Services Compensation Scheme (FSCS).

8.2 Your agreement with OPP

To receive payments through escrow, you must accept OPP's own terms and conditions directly with OPP, and complete OPP's onboarding and verification. At present, escrow onboarding is available only to registered businesses (for example, limited companies); the service will be extended to sole traders in future. Your use of the escrow service is governed by that agreement. We record the date and time you accept OPP's terms, and the version you accepted, so both parties have a clear record. In OPP's terms you are the 'Beneficiary' and your Client is the 'Payer'. Complaints about the payment service itself – how money is held, released, or refunded – are handled by OPP under that agreement, and may be referred to the Financial Ombudsman Service where you are eligible. That is separate from the process in Section 10, which covers disagreements about the work.

8.3 Funding and starting work

Before work begins, the full value of the Job is paid into escrow held by OPP. You are not required to start work until OPP confirms the Job has been funded in full. Renofy is not responsible if a Client fails to fund a Job, which may lead to delay or cancellation.

8.4 Receiving payment

Funds are released milestone by milestone. When a milestone is approved – or treated as approved – OPP releases that milestone's payment to you; how approval works, including the evidence you provide and the Client's review period, is set out in Section 9.

8.5 How long funds are held in escrow

Funds for each milestone are held in escrow by OPP until that milestone is settled, up to a maximum hold period set by OPP. Within that period:

• When you mark a milestone complete and the Client approves it – or does not respond within the review period – it is treated as approved and OPP releases the payment to you (see Section 9).
• If a milestone is in dispute, the funds stay held until the dispute is resolved (see Section 10).
• If a Job stalls and the Client asks to be refunded because the work has not been done, we can arrange for the held funds to be returned to them.

A return of funds to the Client removes the escrow protection for that milestone. It does not affect your right to be paid for work you have actually done, which you may pursue under your Agreement with the Client.

8.6 Renofy's fee

Renofy is free to use – creating Agreements, sending quotes, managing milestones, and everything else on the Platform costs you nothing. The only charge is a 2% platform fee on escrow payouts, deducted from each milestone payment as it's released to you. There's no fee on anything refunded to the Client, and no separate charge for OPP – our fee covers their payment-processing costs.

8.7 Optional card payments via Stripe

Separately from escrow, you may choose to offer card payments through our third-party processor Stripe. To do so, you must connect a Stripe account and accept Stripe's terms directly with Stripe. Where you use this facility:

• you are the merchant of record. Payments are processed by Stripe, not Renofy, and Renofy does not hold, receive, or control these funds;
• you are solely responsible for the transactions you process, including all refunds, chargebacks, reversals, fines, negative balances, and disputes, in accordance with your agreement with Stripe;
• Stripe charges its own processing fee, which it deducts from your proceeds. Renofy charges no platform fee on card payments (the 2% escrow fee in Section 8.6 applies to escrow payouts only); and
• Renofy is not responsible for the availability, performance, fees, or any acts or omissions of Stripe, or for any payment processed or not processed through it.

9. Milestones and Approval

Milestones are agreed between you and the Client and recorded in your Agreement. Each has a description and a price.

• When you mark a milestone as complete and provide the required evidence, it is marked as "In Review" and the Client is notified.
• The Client then has 7 days to either approve the milestone or raise a change request through the Platform. The Client is reminded before this period ends.
• If the Client raises a change request within that period, it pauses. Once you resubmit the milestone after addressing the request, a fresh review period begins.
• If the Client does not respond within that period, the milestone is treated as approved, and OPP becomes entitled to release that milestone's payment to you.

10. Resolving Disputes About a Milestone

If you and a Client cannot agree about whether a milestone has been properly completed, raise it with us – you do not have to resolve it alone.

• While a milestone is in dispute, OPP continues to hold the funds for that milestone until it is resolved or withdrawn.
• We will try to help both sides reach a resolution, and may appoint an Independent Reviewer to review the disagreement.
• If it cannot be resolved by agreement, Renofy will review the dispute and decide how the held funds for that milestone are released or refunded, acting reasonably and on the information available. This decision affects the escrow payment only – it does not decide who is legally right, and does not affect your right to pursue the Client for payment for work you have actually done.
• A dispute must be progressed promptly. Whoever it is waiting on has a set period, which we will tell them about, to take the next step needed to move it forward. If they do not, it may be treated as withdrawn, with the milestone resolving in the other party's favour, so that funds are not held open indefinitely.

Any release or refund affects payment only and does not remove a consumer Client's statutory rights about the quality of the work. Where the Client is a consumer, they keep their right to take the matter to court.

To resolve a dispute, you authorise Renofy to share the information reasonably needed with the Independent Reviewer (where one is appointed) and the other party.

11. Intellectual Property, Content & Public Pages

The Platform, including its software, design, text, and branding, is owned by Renofy or its licensors and is protected by intellectual property law. Renofy grants you a limited, non-exclusive, non-transferable, revocable licence to use the Platform for its intended purpose under these Terms. You may not copy, modify, reverse-engineer, resell, or create derivative works from any part of the Platform.

You retain ownership of all content you upload. By using the Platform, you grant Renofy a non-exclusive, worldwide, royalty-free licence to use, reproduce, modify, display, or publish your uploaded content for: operating and maintaining the Platform; maintaining Agreement records and audit trails; dispute prevention or resolution; public work history pages (where applicable); and marketing and promotional purposes.

This licence continues for as long as the content is hosted on the Platform and for a reasonable period afterwards. If Renofy is acquired or merges with another entity, this licence transfers as part of the Platform. You confirm you have the rights to upload all content you provide, and that it does not infringe third-party rights or contain illegal material.

12. Reviews & Work History

Renofy may display a record of your completed Jobs – including descriptions, photos, completion status, and reviews – to help Clients make informed decisions and to help you build a credible track record. Reviews must be truthful and not defamatory, misleading, or otherwise unlawful. Renofy does not verify, edit, or guarantee the accuracy of reviews, and may remove content that breaches these Terms or the law.

Work history reflects Platform activity only and does not constitute an endorsement, recommendation, or quality assessment by Renofy. You can raise concerns about the accuracy of a record; while we are not obliged to amend it, we may investigate content that is clearly inaccurate or breaks Platform rules.

13. Platform Conduct

You agree to:

• communicate respectfully and use the Platform lawfully;
• provide accurate information about Jobs, quotes, qualifications, insurance, and availability;
• not upload illegal, harmful, defamatory, or infringing content;
• not attempt to mislead or defraud other users;
• not misuse the Platform or attempt to bypass the escrow payment flow for an active Job; and
• not misuse, manipulate, or attempt to jailbreak any AI-assisted features, or use them to create unlawful, harmful, or infringing content.

You may exchange contact details and communicate off the Platform if you wish, but we recommend keeping Job-related communication on the Platform for transparency and record-keeping. Renofy acts solely as a facilitator and is not responsible for agreements, decisions, or disputes between you and a Client, whether communication happens on or off the Platform. Settling a milestone that has been funded into escrow off the Platform removes its escrow protection and the dispute process in Section 10 for that milestone, and breaches the rule above against bypassing the escrow payment flow.

Some Platform features use AI to help you (for example, drafting text or quotes). AI output can be inaccurate or incomplete, so you are responsible for checking it before you rely on it. Renofy is not responsible for your reliance on, or misuse of, AI-assisted output. How AI conversations are stored and processed is set out in our Privacy Policy.

14. Safety, Fraud & Misuse

Renofy may suspend or remove accounts that:

• provide false or misleading information, including about qualifications or insurance;
• repeatedly cancel Jobs without good reason;
• upload inappropriate or illegal content;
• attempt to impersonate others or misuse verification tools;
• harass or abuse other users; or
• attempt to defraud other users or bypass the escrow payment flow.

We reserve the right to take appropriate action where we suspect fraud, including co-operating with the relevant authorities where necessary.

15. Platform Availability

While we aim to provide a reliable and secure service, Renofy cannot guarantee:

• uninterrupted access to the Platform;
• error-free, completely secure, or virus-free operation; or
• that every feature will always be available.

We may update, suspend, or discontinue parts of the Platform to improve the service or add features. Renofy will not be liable for any failure or delay caused by circumstances beyond our reasonable control, including natural disasters, pandemic, government action, power failure, internet disruption, or third-party service outages.

16. Limitation of Liability

Renofy provides digital tools for recording and tracking Job agreements and for instructing an escrow provider. Renofy is not a project manager, contractor, supervisor, or payment provider. To the extent permitted by law, Renofy is not liable for:

• the quality, safety, legality, timing, or completion of any work;
• the acts, omissions, delays, or cancellations of any Client;
• the acts, omissions, holds, delays, or decisions of OPP or Stripe, including any chargebacks, reversals, or negative balances;
• losses arising from reliance on information or content provided by other users;
• any decision you make independently; or
• indirect or consequential loss, including lost income, lost profit, or missed opportunities.

Where Renofy is otherwise liable to you, its total liability in connection with the Platform is limited to the greater of (a) £5,000 or (b) the total fees Renofy actually received in connection with the relevant Job in the 12 months before the event giving rise to the claim.

Where money is held, released, refunded, or transferred in error, Renofy may reverse, reclaim, or offset the amount affected, and you agree to repay on demand any funds you receive that you were not entitled to. This is in addition to the indemnity in Section 17.

Except for liabilities that cannot lawfully be limited, and except for Renofy's rights under Section 17 and its right to reclaim or offset funds released in error, any claim by either you or Renofy in connection with these Terms must be brought within 12 months of the date on which the party bringing it knew, or ought reasonably to have known, of the circumstances giving rise to it. A claim not brought within that period is barred.

Nothing in these Terms limits or excludes Renofy's liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded by law.

17. Indemnity

You agree to indemnify and hold harmless Renofy from any claims, losses, liabilities, or reasonable costs (including reasonable legal costs) arising directly from:

• inaccurate, misleading, or fraudulent information you provide about your identity, qualifications, insurance, or experience;
• your breach of these Terms or of applicable law;
• inaccurate, misleading, infringing, or illegal content you upload to the Platform;
• misuse of verification or attempts to impersonate others;
• any chargebacks, refunds, reversals, negative account balances, fines, or other payment-related losses arising from card payments you process through Stripe, to the extent Renofy is required to bear or reimburse those losses; and
• any claim by a Client or third party arising from your work or your dealings with them.

This indemnity does not apply to losses caused by Renofy's own negligence or breach of these Terms.

18. Termination & Data Retention

18.1 Suspension and termination by Renofy

We may suspend or restrict your access immediately if we reasonably believe you have breached these Terms, engaged in fraud, or misused the Platform, or if continued use would expose Renofy to unacceptable legal, financial, or reputational risk. Otherwise, we will give reasonable notice (not less than 30 days) before terminating your account. Where we suspend or terminate, we will give you a clear reason; where immediate action is needed, that reason will be provided promptly afterwards. We may instead limit your access to allow only the completion of in-progress milestones.

18.2 Account deletion by you

You may stop using the Platform at any time, and delete your account from your Account Settings or by contacting [email protected]. Milestones already in progress should be completed and financially settled through the Platform.

18.3 Data retention

After an account is deleted or terminated, Renofy will:

• delete or anonymise your personal data in accordance with our Privacy Policy and applicable data protection law;
• retain Agreement records, audit trails, and escrow transaction records – in anonymised form – for a minimum of 6 years after the completion or termination of the relevant Agreement, in line with the Limitation Act 1980 and our accounting and legal obligations, regardless of whether your account remains active; and
• retain content used in public work history pages, but only where the law allows.

19. Privacy

Your use of the Platform is also governed by our Privacy Policy. Agreement data is processed in accordance with that policy and the UK General Data Protection Regulation (UK GDPR). Both parties to an Agreement have access to each other's relevant data as necessary for the performance of their contract.

20. SMS Notifications

If you provide a mobile number, Renofy may send you transactional SMS notifications about your activity – such as Job updates, quote notifications, milestone updates, and new message alerts. These are service notifications. Any marketing messages would be sent only with your consent. You can manage or disable SMS notifications at any time from your notification preferences page.

21. Changes to These Terms

Renofy may update these Terms from time to time. Where changes are material, we will ask you to review and accept the updated Terms before you continue to use the Platform. We keep archived versions of previous Terms to support evidential integrity.

22. General

Governing law and jurisdiction: These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction over disputes arising from them.

Entire agreement: These Terms, together with our Privacy Policy and any Agreement formed through the Platform, are the entire agreement between you and Renofy relating to your use of the Platform, and replace any prior arrangements. In entering into these Terms, you do not rely on any statement not set out in them.

Severability: If any provision is found to be invalid or unenforceable, it will be limited or removed to the minimum extent necessary, and the rest will continue in full force.

Waiver: If Renofy does not enforce any right or provision, that is not a waiver of it.

Assignment: You may not assign or transfer your account or rights under these Terms without our prior written consent. Renofy may assign its rights and obligations in connection with a merger, acquisition, or sale of assets.

Third-party rights: Except as expressly stated in these Terms, no one other than you and Renofy has any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of these Terms.