Effective date: October 27, 2026
By accessing or using the NAVI marketplace platform ("NAVI," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the platform.
NAVI is an online marketplace. Customers use it to describe work they need done and to receive quotes. Independent service providers use it to offer their services. The agreement for the work itself is between the customer and the provider. NAVI is not a party to that agreement, does not perform the work, and does not employ, supervise or guarantee any provider.
NAVI provides the tools to post jobs, send quotes and messages, and pay through Stripe. It applies the payment rules in Section 5, may show verification badges as explained in Section 4, and may remove content or suspend accounts under these Terms.
NAVI is a new service. Features, fees and availability may change, and NAVI may limit or pause bookings, jobs, services or accounts to protect users and the platform.
Notice: NAVI is a new service. These Terms describe NAVI's current business model and are intended for review by legal counsel as NAVI grows.
You must be at least 18 years old to use NAVI. By creating an account, you represent that:
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at support@navimarketplace.com if you suspect unauthorized access.
We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or cause harm to other users.
Customers may post job listings describing work they need completed. You agree that all job descriptions are accurate and lawful. NAVI does not guarantee that you will receive quotes, or that any provider will complete your job to your satisfaction.
Providers are independent contractors, not employees or agents of NAVI. You are solely responsible for the services you offer, your pricing, your licensing, your insurance, and the quality of your work. By submitting a quote, you agree to honor it if accepted by the customer.
Providers must not misrepresent their qualifications, experience, or ability to complete a job. NAVI reserves the right to remove any provider profile that contains false or misleading information.
NAVI cannot guarantee anyone's safety or conduct. Read our Safety page, use your own judgment, and report a concern through "Report a Safety Concern." In an emergency, call 911.
A badge means only that NAVI (or a verification service) recorded the specific check named on the badge at the time shown. It is not a warranty about a provider's work, character or ongoing eligibility.
NAVI is a new marketplace, and anyone can create an account. NAVI may limit the number or size of jobs, close particular services, or pause new bookings at any time to protect customers, providers and the platform; services are open only where licensing, tax and safety requirements are met; features may change, be unavailable or contain errors; and we may suspend or remove an account at any time. NAVI is not an insurer and does not guarantee any provider's work, safety, license, insurance or availability. If something goes wrong, tell us in the app or at the contact address in Section 13, and call 911 first in an emergency.
Payments are processed by Stripe. When you pay, your card is charged through NAVI's Stripe account and the provider's share is sent to their connected Stripe account after the payment rules in this Section are met, less NAVI's fees.
The price you pay is based on the provider's accepted bid for the job (the "Service Price").
Customers may add an optional tip after a job is confirmed complete. Percentage-based tip options are calculated against the provider's Service Price only, excluding NAVI's customer service fee. NAVI does not take any fee or commission on tips — providers receive 100% of any tip amount.
When you accept a provider's quote, your payment method is authorized (placed on hold) for the full amount, including NAVI's service fee and any applicable sales tax. You are not charged at that moment. Your card issuer or bank controls how a hold appears on your statement. An authorization is a hold placed with your card issuer or bank. It is not a payment to NAVI or to the provider until it is charged.
Your payment is charged (captured) only after the provider marks the job complete and either (a) you confirm completion in NAVI, or (b) NAVI support releases the payment under Section 5.4C. NAVI does not charge you because you did not respond. The hold lasts about seven days from the day you hire the provider (see Section 5.4A), so please confirm completed work promptly.
Card authorizations are time-limited. Currently an authorization can be held for up to about seven (7) days after you accept a quote; the deadline is set by the card networks and our payment processor, and may be shorter. If the deadline passes before payment is charged, the authorization expires, you are not charged, and NAVI may close the job. A provider is paid through NAVI only when your payment is charged, so if confirmation is delayed past the deadline the provider may not be paid for the job. Please confirm completed work promptly, or tell the provider and NAVI if there is a problem. NAVI intends to contact customers and providers before an authorization expires, but does not promise that it will, and a missed contact does not extend the deadline.
If you believe the work is not complete or not acceptable and your payment is still on hold, you can choose "Report a problem with this work." While your report is open, NAVI will not charge your payment. NAVI reviews the report and may contact you and the provider, then decides how to proceed, for example by asking the provider to correct the work, releasing the hold so you are not charged, or allowing the job to be completed. You can withdraw a report at any time. A report does not extend the authorization deadline: if the deadline passes while a report is open, the authorization expires and you are not charged. NAVI decides these reports in its discretion.
If the provider has marked a job complete and you have written, in NAVI's in-app messaging, that the work is complete and payment may be released, NAVI support may release the payment on your behalf. NAVI does this only if the message was sent from your account, was sent after the provider marked the job complete, is recent, and is reviewed and recorded by a NAVI administrator. NAVI keeps a copy of the exact message, its date and a digital fingerprint as a record of your authorization, and tells you in NAVI when it has released a payment this way. If you did not authorize a release, contact us immediately at support@navimarketplace.com; refunds are handled under Section 5.6. NAVI does not release payment because of statements made outside NAVI's messaging (such as phone calls, text messages or email) or because you were silent.
If a job is cancelled before your payment has been captured, NAVI will request that the authorization on your payment method be released. Because authorization holds are managed by your card issuer or bank, the exact timing of when a released authorization disappears from your statement or available balance can vary and is not controlled by NAVI.
Refunds are evaluated and issued by NAVI at our discretion. If your payment has already been charged and you believe you should be refunded, use "Request a Refund" on the job or contact NAVI support at support@navimarketplace.com. NAVI reviews every request. NAVI does not currently guarantee automatic refund eligibility or a fixed refund window. When NAVI refunds a charged payment, the refund is for the full amount and the associated transfer to the provider and NAVI's application fee are reversed as part of that refund.
Providers are paid only when the customer's authorization is charged, which happens when the customer confirms completion or NAVI support releases the payment under Section 5.4C. A provider is not paid through NAVI if the customer's authorization expires, the job is cancelled, NAVI releases the hold after a problem report, or the customer is refunded. NAVI does not promise payment for a job whose authorization has expired. If a charged payment is refunded, the provider's transfer is reversed. After you mark a job complete, ask the customer to confirm it in NAVI right away.
Provider proceeds are routed through Stripe Connect to the provider's connected Stripe account. Funds becoming available in a provider's Stripe Connect balance do not necessarily mean those funds have reached the provider's external bank account — payout timing to a provider's bank is governed by Stripe's own payout schedule and the provider's account status, not by NAVI directly.
Currently, NAVI absorbs Stripe's payment-processing fees; these are not separately passed on to customers or providers. This may change with notice under Section 12.
NAVI participates in the payment process for jobs booked through the platform and may be involved when a customer disputes a charge or initiates a chargeback with their card issuer or bank, including by providing transaction records to Stripe or the issuer as required. If you dispute a charge with your bank for a job that was completed and confirmed, NAVI may share the job record, messages and photos with the bank and Stripe to answer the dispute. This section does not fully describe how costs or liability for disputes and chargebacks are allocated between NAVI, customers, and providers; that allocation is under review and will be updated in a future revision of these Terms.
NAVI's fee structure and payment terms described in this Section may change with reasonable advance notice, consistent with Section 12 (Changes to These Terms). NAVI may limit the number or size of jobs that can be booked.
Texas sales tax, where it applies to the service, is calculated before you confirm payment and is shown in the price breakdown.
By quoting through NAVI, a provider (a) acts as an independent business, not an employee or agent of NAVI, and controls how and when the work is done; (b) will honor an accepted quote or tell the customer promptly if the job cannot be done; (c) is responsible for the provider's own taxes, licenses, permits, insurance and equipment; (d) agrees that NAVI may reverse or deduct from a payout, or recover from the provider, an amount NAVI has to return to a customer or pay because of a refund, dispute or chargeback concerning the provider's job; and (e) will not use NAVI to find a customer and then take payment outside NAVI to avoid NAVI's fees.
Every provider pays NAVI a one-time membership fee of $40 before sending quotes. It is not a subscription, is not charged per job or per lead, is not a payment for any specific job, and is non-refundable except as described in the Provider Membership acknowledgement shown when you pay. Background screening is optional. A provider who chooses it, once NAVI offers it, authorizes the check separately; NAVI pays the screening company from membership revenue and keeps the rest for administration and services. A provider who declines screening is not excluded, and customers are told when a provider has not completed a background check. NAVI does not promise that screening is available at any particular time.
You agree not to:
NAVI cannot guarantee anyone's safety or conduct. See our Safety page, and call 911 in an emergency.
Users may post reviews, job descriptions, photos, and other content. By posting content, you grant NAVI a non-exclusive, royalty-free, worldwide license to display and distribute that content in connection with the platform.
You are solely responsible for content you post. NAVI does not verify the accuracy of user-generated content and may remove any content that violates these Terms.
NAVI is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the platform will be uninterrupted, error-free, or that any provider will perform services to your satisfaction.
NAVI does not conduct background checks on providers unless explicitly stated. You are responsible for independently verifying a provider's qualifications, licenses, and insurance before hiring them.
Providers describe themselves, including any license or insurance they say they hold. A badge on a provider's profile means only that NAVI has checked that specific item. A missing badge means NAVI has not checked it, not that anything is wrong. NAVI does not run background checks on providers unless a profile expressly says a background check was completed, and even then it reflects only that check on that date. Before you hire, ask the provider for what matters to you (for example a license number or proof of insurance) and verify it with the issuing agency or insurer. Providers must hold every license and permit the law requires for the work they quote, must tell the truth about their license and insurance, and must not quote work they are not licensed or permitted to do.
To the fullest extent permitted by law, NAVI's total liability to you for any claim arising from your use of the platform is limited to the greater of (a) the amount you paid to NAVI in the 12 months preceding the claim, or (b) $100.
NAVI is not liable for indirect, incidental, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of the platform or any services obtained through it.
You agree to indemnify and hold harmless NAVI and its officers, directors, employees, and agents from any claims, damages, or expenses (including reasonable attorney fees) arising from your use of the platform, your content, or your violation of these Terms.
These Terms are governed by the laws of the United States and the state in which NAVI operates, without regard to conflict-of-law principles. Any disputes shall be resolved in the courts of competent jurisdiction in that state.
We may update these Terms from time to time. We will notify registered users of material changes by email or by posting a notice on the platform. Continued use of NAVI after changes take effect constitutes your acceptance of the updated Terms. For material changes we will ask you to review and accept the new version before you next pay, quote or hire.
If you have questions about these Terms, contact us at: support@navimarketplace.com