INSPLE — TERMS & CONDITIONS OF ENGAGEMENT

1) What Insple Is (and Isn’t)

Insple is a lead-connection platform. We help homeowners and businesses (“Customers”) discover local service providers (“Professionals” or “Pros”). Insple does not perform services, supervise Pros, set prices, or guarantee outcomes, and is not a party to any contract between a Customer and a Pro. Pros are independent contractors, not employees, agents, or joint venturers of Insple.

2) Who These Terms Apply To

• Customer Terms (Sections 3–10, 13–22) apply to anyone requesting quotes/jobs.
• Professional Terms (Sections 11–22) apply to Pros who receive/accept leads or maintain a profile.
• Sections 13–22 apply to everyone.

By using Insple (website, forms, emails/SMS alerts, or APIs), you accept these Terms and our Privacy Policy.

CUSTOMER TERMS

3) Requests, Matching, and Communications

3.1 Your request. You agree your request is accurate and lawful. You authorize Insple to share your request with one or more Pros to evaluate availability. We may send anonymized summaries first; your identifiable details are shared only after a Pro opts in to receive the lead.

3.2 No assignment of work by Insple. If you hire a Pro, your contract is with that Pro. Negotiate scope, timing, warranties, and price directly before work begins.

3.3 Payments through Insple (optional). If you pay through Insple’s processor (e.g., Stripe Connect), you authorize charges and applicable platform fees disclosed at checkout. Payment services are provided by third parties and subject to their terms.

3.4 Changes & cancellations. Changes/cancellations are between you and the Pro. Any platform fees are governed by our posted refund policy at the time of checkout (see Section 12.6 for invalid-lead credits).

4) Safety, Licensing, and Home Access

4.1 Your due diligence. You are responsible for verifying a Pro’s identity, licensing, insurance, references, and permit requirements in your city/county.

4.2 Access. Granting access to your property is at your discretion and risk.

5) Reviews and Content You Provide

You are responsible for content you submit (text, images, ratings). Do not post unlawful, misleading, or defamatory content, or content you lack rights to. You grant Insple a nonexclusive, worldwide license to use your content to operate and improve the platform. We may moderate but have no obligation to do so.

6) No Circumvention (If Initiated Through Insple)

For 90 days after a Pro first receives your lead via Insple, you agree not to knowingly circumvent the platform to avoid applicable fees for the same project (this does not restrict hiring other providers found elsewhere).

7) Warranties; Disclaimers

Services are provided by Pros “as is.” To the fullest extent permitted by law, Insple disclaims all warranties (express or implied) regarding Pros, services, timing, or outcomes. Nothing limits any non-waivable consumer rights under Texas law.

8) Customer Indemnity

You agree to indemnify and hold Insple harmless from third-party claims arising out of your misuse of the platform, unlawful content, or breach of these Terms.

9) Limits on Liability

To the maximum extent permitted by law, Insple’s total liability to you is capped at (a) the platform fees you paid to Insple in the prior 12 months, or (b) $100—whichever is greater. We are not liable for indirect or consequential damages (lost profits, data loss, etc.). Where prohibited, this section applies only to the extent allowed.

10) Complaints & Questions

Raise service concerns with the Pro and also notify contactus@insple.io so we can document the issue and review the Pro’s standing.

PROFESSIONAL TERMS

11) Your Account; Eligibility

11.1 Truthful information. Your profile and responses must be accurate and up to date.

11.2 Licenses & Insurance — Insple Insurance Schedule (Texas)

Insurance Requirements. Pro shall maintain insurance consistent with this schedule by category and job value. Minimums include: (i) General Liability per tier; (ii) Workers’ Compensation for W-2 employees; (iii) Commercial Auto where vehicles are used; and (iv) trade-specific coverages. For any job >$10,000 or designated High-Risk, Pro shall provide AI (ongoing & completed ops), Primary & Non-Contributory, Waiver of Subrogation, and Per-Project Aggregate endorsements (copies required). Certificate Holder: Insple, LLC, 3333 Preston Rd, Frisco, TX 75034.

11.3 Certificates & Endorsements

Before accepting any lead, provide an ACORD 25 COI naming Insple, LLC as Certificate Holder. For higher-risk categories, also provide endorsements: Additional Insured (ISO CG 20 10 & CG 20 37 or equivalents), Primary & Noncontributory (CG 20 01 or equivalent), Waiver of Subrogation (CG 24 04 or equivalent), Per-Project Aggregate (CG 25 03 or equivalent). Copies of actual endorsements must accompany the COI.

12.A Risk of Loss for Pro Equipment & Materials

Pro bears all risk of loss or damage to Pro’s tools, equipment, vehicles, supplies, and materials while in transit, at any Customer location, or otherwise in Pro’s custody or control, except to the extent caused solely by Insple’s gross negligence or willful misconduct.

12.B Required Insurance (Pro Property + Job Materials)

• Contractor’s Equipment / Inland Marine: min. $50,000 any one item / $100,000 aggregate.
• Installation Floater (when providing materials): min. $50,000 per job, delivery through completion.
• Property of Others in Care, Custody, or Control: included via GL or endorsement.
• Commercial Auto (if vehicles used): CSL $1,000,000.

For High-Risk or >$10,000 jobs, provide AI, Primary & Non-Contrib, Waiver, Per-Project Aggregate endorsements; copies required. COIs list Insple, LLC as Certificate Holder.

12.C Indemnity (Equipment & Site Claims)

Pro shall defend, indemnify, and hold harmless Insple and its officers, directors, and employees from claims related to: (a) injury to Pro or workers; (b) loss/damage to Pro Equipment or materials; (c) damage to Customer or third-party property; (d) Pro’s services or breach; except to the limited extent caused solely by Insple’s gross negligence or willful misconduct.

12.D Waiver of Subrogation

To the extent permitted by law, Pro waives subrogation against Insple for losses covered by Pro’s insurance and will cause policies to be endorsed to reflect such waiver.

12) Leads; Fees; Refunds; Non-Circumvention

12.1 Lead flow. Insple may send anonymized job summaries. You decide which leads to Accept.

12.2 Fees. When you click Accept, you agree to the fee shown with that lead:
• Lead Fee: amount displayed at acceptance (varies by category/zip/urgency).
• Success Fee (when paid through Insple): 7.5% of the gross amount processed for that job (minimum $5).
Insple may adjust fees prospectively; the fee shown at acceptance governs that lead.

12.3 Payouts & processor. Payouts via Stripe Connect (Standard), subject to Stripe’s terms, reserves, holds, and risk controls. Platform fees may be deducted prior to payout.

12.4 Taxes & reporting. You are responsible for applicable taxes. The processor may issue a Form 1099-K where applicable.

12.5 No circumvention. For 90 days after first receiving a lead, do not avoid platform fees by taking that Customer off-platform for the same project.

12.6 Invalid-lead credits (Pros). If a lead you accepted is invalid (wrong/unreachable contact, out of service area, duplicate, or materially miscategorized), request a credit within 3 calendar days with evidence. Approved cases may receive a lead fee credit or reissue at our discretion. No cash refunds.

12.7 Quality & compliance. Perform work consistent with codes, permits, and industry standards. You are responsible for your workforce and subcontractors.

12.8 Indemnity. You agree to defend, indemnify, and hold harmless Insple from claims arising out of your services, misstatements (including licensing/insurance), or breach of these Terms.

SHARED TERMS (APPLY TO EVERYONE)

13) Acceptable Use

Do not: (a) misuse the platform (scrape, spam, interfere); (b) harvest personal data without consent; (c) post unlawful/infringing/defamatory content; (d) bypass security; (e) misrepresent identity, licensing, or insurance.

14) Privacy, Data Sharing & Security

14.1 Privacy Policy. Our Privacy Policy explains what personal data we collect, how we use it, and your choices (including Texas privacy rights).

14.2 Lead sharing. We may share Customer requests with one or more Pros for evaluation/acceptance. We limit disclosures until a Pro opts in to receive a specific lead.

14.3 Security & incidents. We implement reasonable safeguards. If a legally notifiable data incident occurs, we will provide notices consistent with Texas and applicable federal law.

15) Marketing & Communications Consent

15.1 Email. By providing your email, you consent to transactional messages and limited marketing (opt-out any time).

15.2 Texts/Calls (optional). If you opt in to SMS/voice alerts, you consent to autodialed/prerecorded messages about your account or leads. Opt out any time (reply “STOP”). Message/data rates may apply.

15.3 Recordkeeping. We may log consent events (timestamp, email/phone, IP, user agent) for compliance.

16) Texas & U.S. Privacy Rights (Summary)

16.1 TDPSA. Texas residents may have rights to access, correct, delete, and opt out of targeted advertising or sale of personal data.

16.2 How to exercise rights. Email privacy@insple.io or submit /privacy-request with your name, contact, and the right you wish to exercise. We respond within 45 days (may extend once by 45 days when reasonably necessary). Verification may be required.

16.3 Appeal. If we decline a request, you may appeal by replying to our decision; we respond within 60 days.

16.4 Children. The platform is for users 18+. We do not knowingly collect personal data from children under 13.

17) Intellectual Property

The platform, design, and content are Insple’s IP. You receive a limited, revocable license to use the platform for its intended purpose. You may not copy, modify, or distribute our content except as enabled by the service.

18) Dispute Resolution; Governing Law

18.1 Informal resolution. Email contactus@insple.io; we’ll try to resolve disputes informally within 30 days.

18.2 Arbitration & venue. Except for small-claims or injunctive relief, any dispute will be resolved by binding arbitration under the FAA, administered by AAA (Consumer Rules for consumers; Commercial Rules for businesses), on an individual basis before a single arbitrator. Class actions/class arbitrations are waived. Unless agreed otherwise, hearings occur in Collin County, Texas, or by video at the arbitrator’s discretion. Texas law governs, except where federal law (including the FAA) preempts. Judgment on the award may be entered in any court with jurisdiction.

18.3 Severability. If any provision is unenforceable, the remainder remains in effect.

19) Electronic Signatures & Notices

You consent to transact electronically and to receive notices via email or through the platform. Keep your contact details current. Paper copies are available upon request where required by law.

20) Force Majeure

We are not responsible for delays or failures caused by events beyond our reasonable control (e.g., outages, labor issues, natural disasters, changes in law).

21) Changes; Suspension; Termination

We may update these Terms by posting a revised version with a new Effective Date. Material changes will be highlighted or notified to account holders. We may suspend or terminate accounts for policy violations or misuse. You may stop using Insple at any time; provisions that by nature should survive (fees owed, IP, limits, indemnities, dispute resolution) survive termination.

22) Opt-Outs and Account Closure

22.1 Customers. Opt out of marketing emails via the unsubscribe link; opt out of SMS by replying STOP. Closing your account stops future lead activity but does not cancel work already agreed with a Pro.

22.2 Pros. You may pause or close your account at any time. You remain responsible for (i) fees incurred before closure, (ii) honoring accepted jobs or providing reasonable notice to the Customer, and (iii) refunding amounts you are legally or contractually obligated to refund.

22.3 Customer-side courtesy clause. Customers will disclose known site hazards (e.g., live electrical, pets, water leaks) and provide a reasonably safe area for Pro to stage tools and materials.

Notices About Texas & U.S. Law (Plain-English, Non-Contractual)

• Texas consumer privacy (TDPSA). We provide methods to exercise access/correction/deletion and opt-outs for targeted ads/sale, with timelines as noted above.
• Commercial email (CAN-SPAM). We include a physical address and working unsubscribe and avoid deceptive headers/subjects.
• Texts/calls (TCPA/FCC). Marketing texts require opt-in; SMS is optional and consent-based.
• Texas DTPA. We do not ask consumers to waive Texas Deceptive Trade Practices Act rights here.
• Arbitration. Intended to be enforceable under the Federal Arbitration Act.