Terms of Service

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 that connects customers seeking local services with independent service providers. NAVI is not a party to any contract between customers and providers, and does not employ, endorse, or supervise service providers.

Beta notice:NAVI is currently in a controlled beta. These Terms describe NAVI's current business model and are intended for review by legal counsel as NAVI moves toward a broader public launch.

You must be at least 18 years old to use NAVI. By creating an account, you represent that:

• You are at least 18 years of age.
• You have the legal capacity to enter into a binding agreement.
• You will provide accurate and truthful information.
• Your use of NAVI does not violate any applicable law or regulation.

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.

For Customers

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.

For Service Providers

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.

5.1 NAVI's Role

NAVI facilitates payment between customers and providers directly through the platform, using Stripe, Inc. and Stripe Connect as our payment processor. When you pay for a job through NAVI, your payment is processed through NAVI's Stripe account and routed to your provider's connected Stripe account, less NAVI's fees described below.

5.2 Pricing

The price you pay is based on the provider's accepted bid for the job (the "Service Price").

• Customers are charged the Service Price plus a customer service fee of 5% of the Service Price.
• Providers receive the Service Price less a platform fee of 10% of the Service Price.

5.3 Tips

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.

5.4 Authorization and Capture

When you accept a provider's quote, your payment method is authorized for the applicable amount. This authorization may appear as a hold on your card or account; the timing and display of authorization holds are determined by your card issuer or bank, not NAVI. Payment is not captured (charged) until the job has been marked complete by the provider and you have confirmed the job's completion, consistent with the workflow described on the platform.

5.5 Cancellation Before Capture

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.

5.6 Refunds

During NAVI's controlled beta, refunds are evaluated and issued by NAVI at our discretion. If you believe you are entitled to a refund, contact NAVI support at support@navimarketplace.com. NAVI will review the circumstances of your request. NAVI does not currently guarantee automatic refund eligibility or a fixed refund window. Where NAVI does issue a refund for a captured payment, the associated transfer to the provider and NAVI's application fee are reversed as part of that refund.

5.7 Provider Payouts

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.

5.8 Processing Costs

During NAVI's beta period, NAVI absorbs Stripe's payment-processing fees; these are not separately passed on to customers or providers.

5.9 Disputes and Chargebacks

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. 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.

5.10 Beta Pricing and Terms

NAVI's fee structure and payment terms described in this Section apply during the beta period and may change with reasonable advance notice, consistent with Section 12 (Changes to These Terms).

You agree not to:

• Post false, misleading, or fraudulent content.
• Harass, threaten, or harm other users.
• Scrape, crawl, or copy the platform's content without written permission.
• Attempt to gain unauthorized access to any part of NAVI's systems.
• Use NAVI for any unlawful purpose.
• Circumvent NAVI to avoid paying any applicable fees once introduced.
• Post or transmit spam, malware, or unsolicited communications.

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.

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.

If you have questions about these Terms, contact us at: support@navimarketplace.com