These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("you," "your," "User") and BetterLevel Inc., a Delaware corporation doing business as SaferQuotes ("SaferQuotes," "we," "our," or "us"), governing your access to and use of the SaferQuotes platform, website, mobile applications, and all related services (collectively, the "Platform").

---

---

1. DEFINITIONS

For purposes of these Terms, the following definitions apply:

1.1 "Buyer" means any property owner, homeowner, business owner, or authorized representative thereof who receives, reviews, or accepts a Quote through the Platform for services to be performed on their property or premises.

1.2 "Claim" means any formal request submitted through the Platform for payment under the Guarantee Program following an Arbitration Award.

1.3 "Claimtel" means Claimtel LLC, the independent third-party arbitration administrator designated by SaferQuotes to conduct binding arbitration proceedings.

1.4 "Dispute" means any disagreement, controversy, or claim arising out of or relating to a Service Agreement, including disputes concerning the breach, performance, quality, scope, payment, or termination thereof.

1.5 "Exhibit A" means the Provider's original quote document (in PDF or other format) that is attached to and incorporated into the Service Agreement, describing the specific scope of work, materials, timeline, and price.

1.6 "Guarantee Program" means the SaferQuotes Guarantee Program as detailed in Section 10 and the separate Guarantee Program Terms.

1.7 "Mediation" means the initial, mandatory dispute resolution process administered internally by SaferQuotes before a Dispute may proceed to Arbitration.

1.8 "Platform" means the SaferQuotes website, mobile applications, software, tools, and all related services and features.

1.9 "Provider" means any licensed contractor, tradesperson, service professional, or business entity that creates and sends Quotes through the Platform for services to be performed.

1.10 "Quote" means a written proposal for services, created by a Provider and transmitted through the Platform to a Buyer, which becomes binding upon the Buyer's electronic acceptance.

1.11 "Service Agreement" means the binding contract formed between Provider and Buyer upon the Buyer's acceptance of a Quote, which incorporates the Quote (Exhibit A), these Terms, the Guarantee Program Terms, and the mandatory Arbitration provisions.

1.12 "Service Fee" means the percentage-based fee charged by SaferQuotes to Providers upon acceptance of a Quote by a Buyer, as detailed in Section 6.

1.13 "User" means any person or entity that registers for, accesses, or uses the Platform, including both Providers and Buyers.

---

2. ACCEPTANCE AND MODIFICATION OF TERMS

2.1 Binding Agreement. By creating an account, accessing the Platform, uploading a Quote, or accepting a Quote, you acknowledge that you have read, understand, and agree to be bound by these Terms, the Guarantee Program Terms, our Privacy Policy, and all other policies referenced herein (collectively, the "Agreement").

2.2 Modifications. SaferQuotes reserves the right to modify, amend, or update these Terms at any time in its sole discretion. We will provide notice of material changes by:

• Posting the updated Terms on the Platform with a new "Last Updated" date;
• Sending email notification to your registered email address; and/or
• Displaying a prominent notice on the Platform.

2.3 Acceptance of Modifications. Your continued use of the Platform after the effective date of any modifications constitutes your acceptance of the modified Terms. If you do not agree to the modifications, you must immediately cease using the Platform and may terminate your account as provided in Section 17.

2.4 Prospective Application. Modifications to these Terms apply prospectively to Quotes created or accepted after the effective date of the modification. Quotes created and accepted prior to a modification remain governed by the Terms in effect at the time of acceptance, except where required by law.

---

3. ELIGIBILITY AND ACCOUNT REGISTRATION

3.1 Eligibility Requirements.

To use the Platform, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction;
• Have the legal capacity to enter into binding contracts;
• Not be prohibited from using the Platform under applicable law;
• If registering as a Provider, hold all necessary licenses, permits, insurance, and credentials required to perform services in your jurisdiction;
• If registering on behalf of a business entity, have the authority to bind that entity to these Terms.

3.2 Account Registration.

(a) Providers must complete the following registration steps:

• Provide accurate business information including legal business name, DBA (if applicable), business address, Employer Identification Number (EIN) or Tax ID, and contact information;
• Provide personal information for all owners, principals, or officers including full legal name, residential address, date of birth, and Social Security Number (for identity verification and background check purposes);
• Upload current, valid proof of general liability insurance with minimum coverage amounts as specified in Section 12;
• Upload current, valid professional licenses for all applicable trades, including license numbers, issuing states, and expiration dates;
• Provide a valid payment method (credit card or bank account) for Service Fee payments;
• Consent to background checks, license verification, and ongoing compliance monitoring;
• Certify under penalty of perjury that all information provided is true, accurate, and complete.

(b) Buyers may receive and accept Quotes without creating an account but will need to provide:

• Full legal name;
• Email address;
• Property address where services will be performed;
• Electronic signature to accept the Quote and Service Agreement.

3.3 Account Security. You are responsible for:

• Maintaining the confidentiality of your account credentials;
• All activities that occur under your account;
• Notifying SaferQuotes immediately of any unauthorized use or security breach;
• Ensuring that you log out of your account at the end of each session.

SaferQuotes is not liable for any loss or damage arising from unauthorized use of your account.

3.4 Account Verification. SaferQuotes reserves the right to verify any information you provide and may request additional documentation at any time. Failure to provide requested verification may result in account suspension or termination.

3.5 Single Account. Each User may maintain only one active account. Creating multiple accounts without authorization is prohibited and may result in termination of all accounts.

---

4. NATURE AND SCOPE OF PLATFORM SERVICES

4.1 Platform Functionality. SaferQuotes provides a digital platform that enables:

• Providers to create, manage, and transmit service quotes to Buyers;
• Buyers to review, compare, and accept quotes from verified Providers;
• Electronic execution of Service Agreements incorporating standardized terms;
• Integration of dispute resolution mechanisms into Service Agreements;
• Optional guarantee coverage for qualifying transactions;
• Administrative tools for managing quotes, agreements, and disputes.

4.2 Not a Party to Service Agreements. SAFERQUOTES IS NOT A PARTY TO ANY SERVICE AGREEMENT BETWEEN PROVIDER AND BUYER. The Service Agreement is formed directly between Provider and Buyer upon the Buyer's acceptance of a Quote. SaferQuotes does not:

• Perform, oversee, or guarantee the quality of services rendered;
• Control or direct the work performed by Providers;
• Employ or supervise Providers;
• Assume liability for Provider's acts or omissions;
• Warrant that Providers will perform services in accordance with the Service Agreement.

4.3 Not a Financial Services Provider. SaferQuotes is not:

• An escrow agent, trustee, or custodian;
• A broker, dealer, or money transmitter;
• An insurance company, surety, or guarantor;
• A collection agency (except as authorized by assignment or subrogation).

SaferQuotes does not hold, transmit, or safeguard customer funds paid to Providers. All service payments are made directly from Buyer to Provider outside the Platform.

4.4 Not Advice. Nothing on the Platform constitutes legal, financial, tax, insurance, or professional advice. Users should consult qualified professionals before making decisions.

4.5 Disclaimer of Control. SaferQuotes exercises no control over:

• The quality, safety, or legality of services advertised or performed;
• The truth or accuracy of Provider listings, qualifications, or representations;
• The ability of Providers to perform services;
• The ability of Buyers to pay for services;
• The condition of properties or work sites.

4.6 Platform Changes. SaferQuotes reserves the right to modify, suspend, or discontinue any feature or functionality of the Platform at any time without notice or liability.

---

5. USER CLASSIFICATIONS AND RESPONSIBILITIES

5.1 Provider Responsibilities.

Providers agree to:

• Maintain all required licenses, permits, certifications, and insurance in good standing;
• Provide accurate, truthful, and complete information in all Quotes;
• Perform services in a workmanlike manner consistent with industry standards;
• Comply with all applicable federal, state, and local laws, codes, and regulations;
• Obtain all necessary permits and inspections;
• Carry workers' compensation insurance for all employees as required by law;
• Pay all applicable taxes and maintain proper tax status;
• Communicate professionally and promptly with Buyers;
• Honor all terms, prices, and commitments made in accepted Quotes;
• Notify SaferQuotes immediately of any license suspension, revocation, or insurance lapse;
• Maintain accurate records of all work performed;
• Not misrepresent credentials, experience, or capabilities;
• Not engage in fraud, misrepresentation, or deceptive practices;
• Respond to Customer inquiries and concerns promptly;
• Participate in good faith in Mediation and Arbitration if disputes arise.

5.2 Buyer Responsibilities.

Buyers agree to:

• Provide accurate property information and access;
• Disclose known material defects or hazards;
• Obtain necessary permissions if not the property owner;
• Pay Provider directly according to the accepted Quote terms;
• Communicate professionally and promptly with Providers;
• Participate in good faith in Mediation and Arbitration if disputes arise;
• Not misuse or abuse the Guarantee Program;
• Maintain applicable insurance on their property;
• Allow Provider reasonable access to perform work.

5.3 Mutual Responsibilities.

All Users agree to:

• Comply with all applicable laws and regulations;
• Not use the Platform for any illegal or unauthorized purpose;
• Maintain the confidentiality of Platform communications;
• Not interfere with or disrupt the Platform;
• Not attempt to circumvent Platform fees or processes;
• Provide truthful information in all Platform interactions;
• Cooperate with SaferQuotes investigations;
• Report violations of these Terms or illegal activity.

---

6. FEE STRUCTURE AND PAYMENT TERMS

6.1 Service Fees for Providers.

(a) Fee Obligation. Providers agree to pay SaferQuotes a Service Fee for each Quote accepted by a Buyer through the Platform. The Service Fee is charged only upon acceptance of a Quote; no fee is charged for Quotes that are declined, expire, or remain pending.

(b) Fee Calculation. Service Fees are calculated as a percentage of the total Quote amount according to the following tiered structure:

• Quotes less than or equal to $25,000: 1.5% of Quote amount
• Quotes greater than or equal to $25,001: NOT COVERED

(c) Fee Authorization. By submitting a Quote through the Platform, Provider authorizes SaferQuotes to immediately charge the applicable Service Fee to Provider's payment method on file upon Buyer's acceptance of the Quote.

(d) Payment Method. Providers must maintain a valid payment method (credit card or ACH bank account) on file at all times. If a charge fails, SaferQuotes may:

• Retry the charge;
• Suspend the Provider's account until payment is received;
• Pursue collection through legal means;
• Terminate the Provider's account.

(e) Failed Payments. If a Service Fee payment fails, Provider agrees to pay:

• The outstanding Service Fee amount;
• A $25 failed payment processing fee;
• Any collection costs, including reasonable attorneys' fees;
• Interest at the rate of 1.5% per month (18% annually) or the maximum rate permitted by law, whichever is less.

(f) Non-Refundable. Service Fees are non-refundable, even if:

• The Buyer later cancels or breaches the Service Agreement;
• The Provider chooses not to perform the work;
• A dispute arises between Provider and Buyer;
• The Guarantee Program is invoked.

6.2 Guarantee Coverage Fees for Buyers.

(a) Basic Coverage. All Quotes include $1,000 in basic Guarantee coverage at no additional cost to the Buyer.

(b) Enhanced Coverage. Buyers may elect to purchase enhanced Guarantee coverage up to $25,000 for an additional fee of 3% of the Quote amount, calculated based on coverage level selected. This fee is collected at the time of Quote acceptance.

(c) Optional Coverage. Enhanced Guarantee coverage is entirely optional and at the Buyer's discretion.

6.3 Taxes. All fees are exclusive of applicable federal, state, or local sales, use, excise, value-added, or other taxes, which shall be the responsibility of the User and added to amounts due if applicable.

6.4 Fee Modifications. SaferQuotes reserves the right to modify the Service Fee structure at any time. Modified fees apply only to Quotes created after the effective date of the fee change. SaferQuotes will provide at least 30 days' notice of fee increases.

6.5 No Circumvention. Users agree not to circumvent Platform fees by:

• Directing transactions outside the Platform;
• Creating duplicate or sham Quotes;
• Manipulating Quote amounts;
• Using the Platform solely to generate leads and then contracting outside the Platform.

Circumvention is a material breach of these Terms and may result in immediate account termination and liability for all unpaid fees plus damages.

---

7. QUOTE CREATION, TRANSMISSION, AND ACCEPTANCE

7.1 Quote Creation by Providers.

(a) Quote Components. Each Quote submitted through the Platform must include:

• Provider's business name, license number(s), and contact information;
• Buyer's name, email, and property address;
• Detailed scope of work (labor and materials);
• Total price (itemized if applicable);
• Estimated start and completion dates;
• Payment terms;
• Any exclusions or limitations;
• Valid-through date (expiration date).

(b) Accuracy Requirement. Providers represent and warrant that all information in each Quote is accurate, complete, and truthful. Providers are solely responsible for the content of their Quotes.

(c) Quote Upload. Providers may create Quotes using any third-party software and upload them to the Platform as PDF attachments (maximum file size: 10MB).

7.2 Quote Transmission.

Upon uploading a Quote, SaferQuotes will:

• Generate a unique, secure link for the Buyer to access the Quote;
• Send an email to the Buyer containing the access link;
• Attach the Service Agreement framework (incorporating these Terms and the Guarantee Program Terms);
• Display Provider verification badges and Guarantee coverage information.

7.3 Quote Expiration.

Quotes automatically expire 30 days after transmission unless:

• The Provider specifies a shorter expiration period in the Quote; or
• The Provider manually extends the expiration date through the Platform.

Expired Quotes cannot be accepted and no Service Fee is charged.

7.4 Quote Acceptance by Buyers.

(a) Acceptance Process. To accept a Quote, a Buyer must:

• Review the Quote document (Exhibit A);
• Review these Terms and the Guarantee Program Terms;
• Select desired Guarantee coverage level (basic or enhanced);
• Provide payment information if purchasing enhanced coverage;
• Check the box acknowledging agreement to all terms;
• Provide electronic signature;
• Click "Accept Protected Quote."

(b) Binding Effect. Upon completion of the acceptance process, a legally binding Service Agreement is formed between Provider and Buyer. The Service Agreement incorporates:

• The Quote (as Exhibit A);
• These Terms of Service;
• The Guarantee Program Terms;
• The dispute resolution provisions (Mediation and Arbitration).

(c) Notifications. Upon acceptance, SaferQuotes will:

• Charge the applicable Service Fee to the Provider's payment method;
• Charge any enhanced Guarantee fee to the Buyer (if applicable);
• Send confirmation emails to both Provider and Buyer;
• Provide both parties with a copy of the executed Service Agreement;
• Update the Quote status in the Platform.

(d) Irrevocability. Quote acceptance is irrevocable. Once accepted, neither party may unilaterally cancel or modify the Service Agreement except as provided in the Service Agreement or by mutual written consent.

7.5 Quote Modifications.

If Provider and Buyer agree to modify the scope, price, or terms after acceptance, Provider must:

• Create a new, revised Quote through the Platform;
• Clearly mark it as "Revised" or "Change Order";
• Obtain Buyer's electronic acceptance of the revised Quote.

Revised Quotes are subject to additional Service Fees based on any price increase.

7.6 Quote Rejection.

If a Buyer declines a Quote, no Service Agreement is formed, no Service Fee is charged, and no further obligation exists between the parties.

---

8. DISPUTE RESOLUTION FRAMEWORK

8.1 Mandatory Process. All Disputes arising out of or relating to any Service Agreement formed through the Platform must be resolved exclusively through the following two-step process:

Step 1: Mediation (Mandatory First Step)
Step 2: Binding Arbitration (If Mediation Fails)

Users expressly waive any right to litigate Disputes in court (except as provided in Section 9.10).

8.2 Mediation Process.

(a) Initiation. Either party may initiate Mediation by submitting a Dispute claim form through the Platform, which must include:

• Description of the Dispute;
• Relevant dates and timeline;
• Supporting documentation (photos, contracts, correspondence, invoices, receipts);
• Desired outcome or resolution.

(b) Response. The responding party must submit their response through the Platform within seven (7) calendar days, including:

• Their version of events;
• Supporting documentation;
• Counterclaims (if any);
• Proposed resolution.

(c) Mediation Period. SaferQuotes will facilitate Mediation for a minimum of fourteen (14) calendar days from the date the response is received (or due, if no response is filed). During this period, SaferQuotes mediators will:

• Review all submissions and documentation;
• Communicate with both parties;
• Facilitate negotiations;
• Propose settlement options;
• Work toward mutually acceptable resolution.

(d) Mediation Outcome. If the parties reach agreement during Mediation:

• The settlement terms will be documented in writing;
• Both parties will electronically sign the settlement agreement;
• The settlement is binding and enforceable;
• The Dispute is resolved and closed.

(e) Mediation Failure. If the parties do not reach agreement within the Mediation period, either party may escalate the Dispute to binding Arbitration by notifying SaferQuotes through the Platform.

8.3 Arbitration Process.

(a) Administrator. All Arbitrations shall be administered exclusively by Claimtel LLC ("Claimtel"), an independent, neutral third-party arbitration provider.

(b) Arbitration Rules. Arbitration shall be conducted under Claimtel's standard arbitration rules and procedures (claimtel.com/rules) as in effect at the time of the Arbitration, except as modified by these Terms.

(c) Arbitrator Selection. Claimtel will appoint a single, neutral arbitrator with relevant expertise in construction, home services, or contract disputes.

(d) Arbitration Procedure. The Arbitration shall be conducted as follows:

• Each party submits a written statement and all evidence to Claimtel;
• Claimtel may request additional information or clarification;
• The arbitrator reviews all submissions;
• The arbitrator may, at their discretion, conduct a hearing by videoconference or telephone;
• The arbitrator issues a written decision (the "Award") within thirty (30) days of submission completion.

(e) Award. The Award shall:

• State the amount(s) owed by each party (if any);
• Provide brief reasoning for the decision;
• Be final, binding, and non-appealable except as provided by the Federal Arbitration Act;
• Be enforceable in any court of competent jurisdiction.

(f) Award Enforcement. If the losing party does not satisfy the Award within ten (10) calendar days of issuance, the prevailing party may:

• Enforce the Award in any court of competent jurisdiction;
• File a Claim under the Guarantee Program (if eligible);
• Pursue collection through legal means.

8.4 Costs and Fees.

(a) Mediation Costs. SaferQuotes administers Mediation at no charge to either party.

(b) Arbitration Costs. Claimtel will charge an administrative fee for Arbitration services. The losing party shall bear the full cost of Arbitration fees. If liability is split, costs are apportioned accordingly.

(c) Attorney Fees. Each party bears their own attorney fees unless:

• The Award specifically allocates attorney fees;
• Applicable law requires fee-shifting;
• One party acted in bad faith or pursued a frivolous claim.

8.5 Confidentiality. All Mediation and Arbitration proceedings, documents, and communications are confidential and may not be disclosed to third parties except:

• As required by law;
• To enforce an Award;
• To file a Guarantee Claim;
• With written consent of both parties.

---

9. MANDATORY ARBITRATION AND CLASS ACTION WAIVER

This arbitration agreement applies to all claims, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory.

9.2 Individual Arbitration Only. ALL ARBITRATIONS SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS, NOT A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS.

9.3 Class Action Waiver. YOU AND SAFERQUOTES EXPRESSLY WAIVE ANY RIGHT TO:

• PARTICIPATE IN A CLASS ACTION LAWSUIT;
• SERVE AS A CLASS REPRESENTATIVE;
• SERVE AS A PRIVATE ATTORNEY GENERAL;
• CONSOLIDATE CLAIMS WITH CLAIMS OF OTHER PERSONS;
• JOIN OR COMBINE ARBITRATIONS;
• PURSUE CLAIMS ON A REPRESENTATIVE BASIS.

The arbitrator may award relief (including monetary, injunctive, or declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.

9.4 Jury Trial Waiver. YOU AND SAFERQUOTES EXPRESSLY AND KNOWINGLY WAIVE ANY RIGHT TO A JURY TRIAL.

9.5 Arbitration Procedure for Platform Disputes. Disputes between a User and SaferQuotes (not involving a Service Agreement) shall be arbitrated as follows:

• Either party may initiate Arbitration by sending written notice to the other party;
• The Arbitration shall be administered by Claimtel under its standard rules;
• The Federal Arbitration Act governs the interpretation and enforcement of this provision;
• The Arbitration shall be conducted remotely (video or telephone) unless the parties agree otherwise;
• Each party bears its own costs and fees unless the arbitrator awards costs to the prevailing party.

9.6 Small Claims Exception. Either party may bring an individual action in small claims court instead of Arbitration if:

• The claim falls within the small claims court's jurisdiction; and
• The action remains in small claims court and is not removed or appealed to a court of general jurisdiction.

9.7 Injunctive Relief Exception. Nothing in this Section prevents either party from seeking provisional injunctive relief from a court of competent jurisdiction to prevent irreparable harm pending the completion of Arbitration.

9.8 Opt-Out Right. You may opt out of this Arbitration Agreement by sending written notice to SaferQuotes within thirty (30) days of first registering for the Platform. The opt-out notice must include your name, address, email, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you may pursue claims in court, but SaferQuotes may also pursue claims against you in court.

9.9 Severability. If any portion of this arbitration agreement is found invalid or unenforceable (including the class action waiver), that portion shall be severed, and the remaining provisions shall remain in full force and effect. However, if the class action waiver is found invalid, this entire arbitration agreement (Section 9) shall be null and void.

9.10 Governing Law. This arbitration agreement and any Arbitration proceedings shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.), applicable federal arbitration law, and (to the extent not preempted) the laws of the State of Delaware.

---

10. SAFERQUOTES GUARANTEE PROGRAM (OVERVIEW)

10.1 Guarantee Program Summary. SaferQuotes offers a voluntary Guarantee Program that may provide payment to prevailing parties when a losing party fails to satisfy an Arbitration Award. The complete terms of the Guarantee Program are set forth in the separate "SaferQuotes Guarantee Program Terms" document, which is incorporated into these Terms by reference.

10.3 Key Terms. Important aspects of the Guarantee Program include:

• Coverage up to $25,000 per job;
• Applies only after Mediation and Arbitration;
• Triggered only when losing party fails to pay Award;
• Secondary to all applicable insurance;
• Subject to numerous exclusions;
• Payments are discretionary;
• SaferQuotes obtains subrogation rights upon payment.

10.4 Eligibility. Only transactions properly executed through the Platform with all required documentation and compliance with Mediation/Arbitration procedures are eligible for Guarantee consideration.

10.5 Full Terms Control. All Users must review the complete SaferQuotes Guarantee Program Terms document for full details, limitations, and exclusions.

---

11. INSURANCE REQUIREMENTS AND PRIMACY

11.1 Provider Insurance Requirements.

All Providers must maintain, at minimum:

• General Liability Insurance: Minimum $1,000,000 per occurrence / $2,000,000 aggregate;
• Workers' Compensation Insurance: As required by state law for all employees;
• Vehicle Insurance: If using vehicles for business purposes.

Providers must upload current certificates of insurance to the Platform and update them before expiration.

11.2 Insurance as Primary Coverage. All parties acknowledge and agree that applicable insurance policies (homeowners, general liability, professional liability, or other) are the primary source of coverage for any loss, damage, or dispute arising from services performed.

11.3 Exhaustion Requirement. Before any payment may be made under the Guarantee Program:

• All applicable insurance claims must be filed;
• All insurance coverage must be exhausted, denied, or determined inapplicable;
• Proof of insurance denial or exhaustion must be provided to SaferQuotes.

11.4 Subrogation to Insurance Rights. Upon making any payment under the Guarantee Program, SaferQuotes is automatically subrogated to all insurance rights of the prevailing party, including the right to pursue insurance claims, reimbursements, or appeals.

---

12. CONTRACTOR VERIFICATION AND COMPLIANCE

12.1 Verification Process. Before approving a Provider account, SaferQuotes conducts verification including:

• Business license verification;
• Professional license verification (all applicable trades);
• Insurance certificate review and validation;
• Background checks on owners and principals;
• Credit checks;
• Verification of business entity status and good standing.

12.2 Approval Status.

Provider accounts may have one of the following statuses:

• Pending Review: Initial status upon registration; cannot send Quotes;
• Additional Information Requested: Verification issues require resolution; cannot send Quotes;
• Approved: Fully verified; may send Quotes through Platform;
• Suspended: Temporary restriction due to compliance issue; cannot send Quotes;
• Terminated: Permanent account closure; cannot use Platform.

12.3 Ongoing Compliance. Providers must:

• Maintain all licenses and insurance in good standing throughout Platform use;
• Notify SaferQuotes within 48 hours of any license suspension, revocation, or non-renewal;
• Notify SaferQuotes within 48 hours of any insurance lapse, cancellation, or non-renewal;
• Update license and insurance information promptly when renewed;
• Respond to SaferQuotes compliance inquiries within seven (7) days.

12.4 Compliance Failures. If a Provider's license or insurance lapses, expires, or is revoked:

• The Provider's account will be immediately suspended;
• The Provider may not send new Quotes;
• Existing pending Quotes will be voided;
• Existing accepted Quotes remain binding (but may affect Guarantee eligibility);
• The Provider must cure the deficiency to restore account status.

12.5 No Guarantee of Compliance. While SaferQuotes conducts verification, SaferQuotes does not warrant or guarantee:

• The accuracy of any Provider information;
• That Providers maintain compliance after initial approval;
• The quality, legality, or safety of Provider services;
• That Providers will perform services satisfactorily.

Buyers should conduct their own due diligence before hiring any Provider.

12.6 Reporting Compliance Issues. Users may report Provider compliance issues (license problems, insurance issues, safety concerns) through the Platform. SaferQuotes will investigate reported issues but makes no commitment regarding investigation outcome or timeline.

---

13. PROHIBITED CONDUCT

13.1 General Prohibitions. Users may not:

• Violate any applicable law, regulation, or ordinance;
• Infringe any patent, trademark, copyright, trade secret, or other intellectual property right;
• Engage in fraudulent, deceptive, or misleading practices;
• Provide false, inaccurate, or misleading information;
• Impersonate any person or entity;
• Create multiple accounts without authorization;
• Share or transfer accounts to other persons;
• Interfere with or disrupt the Platform or servers;
• Use automated tools (bots, scrapers, robots) to access the Platform;
• Reverse engineer, decompile, or disassemble any Platform code;
• Remove, obscure, or alter any proprietary notices;
• Circumvent any security measures or access controls;
• Transmit viruses, malware, or harmful code;
• Harass, threaten, intimidate, or abuse other Users;
• Post or transmit obscene, defamatory, or offensive content.

13.2 Provider-Specific Prohibitions. Providers may not:

• Create fraudulent, inflated, or deceptive Quotes;
• Misrepresent qualifications, credentials, or experience;
• Submit Quotes for services they are not licensed to perform;
• Fail to maintain required licenses or insurance;
• Use the Platform to generate leads and then contract outside the Platform;
• Encourage or assist Buyers in circumventing Platform fees;
• Abandon jobs without proper notice and cause;
• Perform substandard or non-compliant work;
• Refuse to participate in Mediation or Arbitration in good faith;
• Retaliate against Buyers for filing Disputes or negative reviews.

13.3 Buyer-Specific Prohibitions. Buyers may not:

• Accept Quotes without intent to honor the Service Agreement;
• File false or fraudulent Dispute claims;
• Abuse or misuse the Guarantee Program;
• Withhold payment without legitimate cause;
• Interfere with Provider's ability to perform work;
• Encourage or assist Providers in circumventing Platform fees;
• Refuse to participate in Mediation or Arbitration in good faith.

13.4 Consequences. Violation of these prohibitions may result in:

• Warning or notice;
• Account suspension (temporary);
• Account termination (permanent);
• Forfeiture of Guarantee Program eligibility;
• Legal action for damages;
• Reporting to law enforcement (if criminal activity);
• Reporting to licensing boards (for licensed Providers).

---

14. INTELLECTUAL PROPERTY RIGHTS

14.1 SaferQuotes Ownership. SaferQuotes and its licensors exclusively own all rights, title, and interest in:

• The Platform (including all software, code, and technology);
• The SaferQuotes name, logo, trademarks, and branding;
• All Platform content (text, graphics, interfaces, design);
• All Platform data, analytics, and algorithms;
• All intellectual property rights therein.

14.2 Limited License to Users. Subject to these Terms, SaferQuotes grants Users a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for its intended purpose (sending or receiving Quotes). This license does not include any right to:

• Reproduce, duplicate, copy, or sell the Platform;
• Modify, create derivative works, or reverse engineer the Platform;
• Access the Platform's source code;
• Remove or alter proprietary notices;
• Use SaferQuotes trademarks without written permission.

14.3 User Content. Users retain ownership of content they upload (Quotes, photos, documents). By uploading content, Users grant SaferQuotes a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, display, and distribute such content solely for purposes of operating the Platform and providing services.

14.4 Feedback. Any suggestions, ideas, or feedback provided to SaferQuotes become SaferQuotes' exclusive property, and SaferQuotes may use such feedback without compensation or attribution.

14.5 DMCA Compliance. SaferQuotes respects intellectual property rights. If you believe content on the Platform infringes your copyright, submit a DMCA notice to hello@saferquotes.com with required information under 17 U.S.C. § 512(c).

---

15. PRIVACY AND DATA PROTECTION

15.1 Privacy Policy. SaferQuotes' collection, use, and disclosure of personal information is governed by our Privacy Policy, available at [URL], which is incorporated into these Terms by reference.

15.2 Consent to Data Processing. By using the Platform, you consent to:

• Collection of personal information as described in the Privacy Policy;
• Use of information to provide Platform services;
• Disclosure to third parties as necessary (e.g., Claimtel for Arbitration);
• Background checks and verification (for Providers);
• Credit checks (for Providers);
• Storage and processing of data in the United States.

15.3 Data Security. SaferQuotes implements reasonable security measures to protect User data, including encryption of sensitive information (SSNs, payment data). However, no system is completely secure, and SaferQuotes cannot guarantee absolute security.

15.4 Data Retention. SaferQuotes retains User data for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements.

15.5 California Privacy Rights. California residents have specific rights under the California Consumer Privacy Act (CCPA) as detailed in our Privacy Policy.

---

16. PLATFORM LICENSE AND RESTRICTIONS

16.1 Grant of License. Subject to compliance with these Terms, SaferQuotes grants Users a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended business purpose.

16.2 Restrictions. Users may not:

• License, sublicense, sell, resell, or rent the Platform;
• Use the Platform to provide services to third parties;
• Access the Platform to build a competitive product or service;
• Copy, frame, mirror, or scrape any Platform content;
• Use automated tools to access the Platform (except with written permission);
• Attempt to gain unauthorized access to Platform systems;
• Overload or attempt to disable Platform infrastructure.

16.3 API Access. Any API access (if provided) is subject to separate API Terms and usage limits.

16.4 Third-Party Services. The Platform may integrate with or link to third-party services (payment processors, document storage, communication tools). Use of third-party services is subject to their respective terms, and SaferQuotes is not responsible for third-party services.

---

17. TERMINATION AND SUSPENSION

17.1 Termination by User.

(a) Providers may terminate their accounts at any time by:

• Providing written notice to SaferQuotes;
• Settling all outstanding Service Fees and obligations;
• Acknowledging that accepted Quotes remain binding.

(b) Buyers do not have accounts to terminate, but accepted Service Agreements remain binding until performed or resolved.

17.2 Termination by SaferQuotes.

SaferQuotes may suspend or terminate any User account immediately, without notice, if:

• User violates these Terms;
• User engages in fraudulent or illegal activity;
• Provider's license or insurance lapses;
• User fails to pay fees owed;
• User harasses or abuses other Users or SaferQuotes staff;
• SaferQuotes reasonably believes User poses a risk to other Users or the Platform;
• User circumvents Platform fees or processes;
• User creates multiple accounts;
• User is subject to legal action affecting their ability to use the Platform.

17.3 Effect of Termination.

Upon termination:

• User's license to use the Platform is immediately revoked;
• User must cease all use of the Platform;
• Outstanding fees become immediately due;
• Accepted Quotes and Service Agreements remain binding and enforceable;
• SaferQuotes may delete User account and data after a reasonable retention period;
• Sections that by their nature should survive termination shall survive (including payment obligations, indemnification, limitation of liability, dispute resolution, and governing law).

17.4 No Refunds. Termination does not entitle User to any refund of fees paid.

17.5 Reactivation. Suspended accounts may be reactivated only at SaferQuotes' sole discretion after the underlying issue is resolved. Terminated accounts may not be reactivated.

---

18. REPRESENTATIONS AND WARRANTIES

18.1 Mutual Representations. Each party represents and warrants that:

• They have full legal capacity and authority to enter into these Terms;
• Their use of the Platform will comply with all applicable laws;
• They will not use the Platform for any illegal purpose;
• All information provided is accurate, complete, and not misleading.

18.2 Provider Warranties. Each Provider additionally represents and warrants that:

• They hold all necessary licenses, permits, and credentials required to perform services;
• They maintain all required insurance in the amounts specified;
• They are in good standing with all licensing authorities;
• They have no disqualifying criminal convictions;
• They will perform services in a workmanlike manner;
• Their Quotes accurately reflect the work they intend to perform;
• They have the skills, tools, and expertise to perform the services quoted.

18.3 Buyer Acknowledgments. Each Buyer acknowledges that:

• SaferQuotes is not a party to the Service Agreement;
• SaferQuotes does not employ, control, or supervise Providers;
• Buyer should conduct independent due diligence before hiring any Provider;
• SaferQuotes makes no warranties about Provider performance;
• The Guarantee Program has significant limitations and exclusions.

---

19. LIMITATION OF LIABILITY

19.3 Essential Purpose. User acknowledges that these limitations of liability are essential elements of the bargain between User and SaferQuotes, and that SaferQuotes would not provide the Platform without these limitations.

19.4 Exceptions. These limitations do not apply to:

• SaferQuotes' gross negligence or willful misconduct;
• Liability that cannot be excluded or limited by applicable law;
• User's indemnification obligations under Section 20;
• User's payment obligations for Service Fees.

19.5 Jurisdictional Variations. Some jurisdictions do not allow certain limitations on liability, so some of the above limitations may not apply to you. In such jurisdictions, liability shall be limited to the maximum extent permitted by law.

---

20. INDEMNIFICATION

20.1 User Indemnification Obligation. User agrees to indemnify, defend, and hold harmless SaferQuotes, BetterLevel Inc., Claimtel LLC, and their respective officers, directors, employees, contractors, affiliates, agents, licensors, and service providers (collectively, "Indemnified Parties") from and against any and all third-party claims, actions, demands, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:

• User's use or misuse of the Platform;
• User's violation of these Terms;
• User's violation of any law, regulation, or third-party right;
• User's negligence, willful misconduct, or fraudulent conduct;
• Content User uploads to the Platform;
• Any Service Agreement between Provider and Buyer;
• Services performed (or not performed) by a Provider;
• Any dispute between Provider and Buyer;
• Provider's failure to maintain licenses or insurance;
• Any claim that User's content infringes intellectual property rights.

20.2 Provider-Specific Indemnification. Providers additionally agree to indemnify Indemnified Parties for:

• All claims arising from services performed or not performed;
• Property damage or personal injury caused by Provider's work;
• Building code violations or unpermitted work;
• Failure to pay subcontractors, suppliers, or employees;
• Mechanic's liens or other encumbrances;
• Unlicensed practice or exceeding scope of license;
• Insurance claims arising from Provider's work.

20.3 Indemnification Procedure. SaferQuotes will:

• Promptly notify User of any claim subject to indemnification;
• Provide User with reasonable cooperation in defense of the claim;
• Allow User to control the defense and settlement, provided that:
  • User may not settle any claim admitting SaferQuotes liability without SaferQuotes' written consent;
  • SaferQuotes may participate in defense with its own counsel at its own expense;
  • SaferQuotes may assume defense if User fails to adequately defend.

20.4 Survival. Indemnification obligations survive termination of these Terms.

---

21. FORCE MAJEURE

21.1 Excuse of Performance. SaferQuotes shall not be liable for any delay, failure to perform, or interruption of service resulting from causes beyond its reasonable control, including but not limited to:

• Acts of God (earthquakes, floods, fires, storms, natural disasters);
• War, terrorism, civil unrest, or government action;
• Labor disputes or strikes;
• Internet outages or telecommunications failures;
• Power outages;
• Cyberattacks, hacking, or denial of service attacks;
• Pandemics or epidemics;
• Failures of third-party service providers;
• Changes in law or regulation.

21.2 Notification. SaferQuotes will use reasonable efforts to notify Users of force majeure events affecting Platform availability.

21.3 User Obligations. This force majeure provision does not excuse Users from payment obligations or other responsibilities under these Terms.

---

22. ASSIGNMENT AND SUBROGATION

22.1 Assignment of Rights. Upon making any payment to a prevailing party under the Guarantee Program, SaferQuotes automatically and immediately becomes the full assignee and subrogee of all of the prevailing party's rights, including but not limited to:

• The right to enforce the Arbitration Award;
• The right to collect amounts owed by the losing party;
• All insurance claims and recovery rights;
• All contractual claims against the losing party;
• All rights to pursue legal remedies;
• The right to file liens or judgments.

22.2 Cooperation. Any party receiving payment from SaferQuotes agrees to:

• Execute any documents necessary to effectuate the assignment;
• Cooperate fully with SaferQuotes' collection or recovery efforts;
• Provide all relevant documentation and information;
• Not settle or release claims without SaferQuotes' written consent;
• Not take any action that would impair SaferQuotes' rights.

22.3 No Assignment by Users. Users may not assign, transfer, or delegate any rights or obligations under these Terms without SaferQuotes' prior written consent. Any attempted assignment in violation of this provision is void.

22.4 Assignment by SaferQuotes. SaferQuotes may assign these Terms or any rights hereunder without User consent, including to any affiliate, successor, or purchaser of SaferQuotes' business.

---

23. ELECTRONIC COMMUNICATIONS AND SIGNATURES

23.1 Consent to Electronic Communications. By using the Platform, you consent to receive electronic communications from SaferQuotes, including:

• Emails to your registered email address;
• Text messages (if you provide a mobile number);
• In-Platform notifications and messages;
• Posting of notices on the Platform website.

23.2 Electronic Records. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

23.3 Electronic Signatures. You agree that your electronic signature (including typed name, clicking "I agree," or other electronic authentication) is legally binding and has the same legal effect as a handwritten signature under the Electronic Signatures in Global and National Commerce Act (ESIGN Act), the Uniform Electronic Transactions Act (UETA), and any other applicable law.

23.4 Maintaining Copies. You are responsible for printing or downloading and maintaining copies of any important electronic communications for your records.

23.5 Updating Contact Information. You must maintain accurate email and contact information in your account. SaferQuotes is not liable for any consequences of communications sent to an incorrect or outdated email address.

---

24. NOTICES

24.1 Notices to SaferQuotes. All notices to SaferQuotes must be sent to:

BetterLevel Inc. d/b/a SaferQuotes
5342 CLARK ROAD 3231
SARASOTA, FL 34233
Email: hello@saferquotes.com

Legal notices must be sent by certified mail, return receipt requested, or recognized overnight courier.

24.2 Notices to Users. SaferQuotes may provide notices to Users by:

• Email to the registered email address;
• Posting on the Platform;
• In-Platform notifications;
• Physical mail to the registered address (if necessary).

24.3 Effective Date. Notices are effective:

• Immediately if delivered electronically or posted on Platform;
• Upon delivery if sent by certified mail or courier;
• Three (3) business days after mailing if sent by regular mail.

---

25. GOVERNING LAW AND JURISDICTION

25.1 Governing Law. These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflicts of law principles.

25.2 Jurisdiction. To the extent not subject to mandatory Arbitration under Section 9, User consents to the exclusive jurisdiction and venue of the state and federal courts located in Delaware for resolution of any disputes.

25.3 Federal Arbitration Act. The Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) governs all arbitration provisions in these Terms.

25.4 Waiver of Venue Objections. User irrevocably waives any objection to venue or forum non conveniens in Delaware courts.

---

26. SEVERABILITY

If any provision of these Terms is found by a court or arbitrator to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect to the maximum extent permitted by law. The invalid provision shall be modified to reflect the parties' intent to the extent possible while remaining enforceable.

---

27. ENTIRE AGREEMENT

These Terms, together with the SaferQuotes Guarantee Program Terms and Privacy Policy, constitute the entire agreement between User and SaferQuotes regarding the Platform and supersede all prior or contemporaneous agreements, communications, and understandings, whether written or oral.

No waiver, modification, or amendment of these Terms shall be effective unless in writing and signed by an authorized representative of SaferQuotes. SaferQuotes' failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

---

28. CONTACT INFORMATION

For questions about these Terms, please contact:

SaferQuotes Customer Support
Email: hello@saferquotes.com
Phone: (888) 890-1123
Website: www.saferquotes.com

Legal Department
Email: hello@saferquotes.com

---

---

These SaferQuotes Guarantee Program Terms ("Guarantee Terms") govern the discretionary guarantee program offered by BetterLevel Inc. d/b/a SaferQuotes ("SaferQuotes") to users of the SaferQuotes Platform. These Guarantee Terms are incorporated into and made part of the SaferQuotes Terms of Service.

---

---

1. PROGRAM OVERVIEW AND IMPORTANT DISCLAIMERS

1.1 Nature of Program. The SaferQuotes Guarantee Program (the "Guarantee" or "Program") is a voluntary, discretionary contractual benefit offered by SaferQuotes to enhance confidence in transactions conducted through the Platform.

1.3 Discretionary Payments. All payments under this Guarantee are made at SaferQuotes' sole and absolute discretion. SaferQuotes reserves the right to:

• Determine eligibility for coverage;
• Approve or deny any Claim;
• Determine the amount of any payment;
• Condition payment on User compliance;
• Pursue recovery and subrogation rights;
• Modify or terminate the Program at any time.

1.4 No Obligation Created. Nothing in these Guarantee Terms creates a legal obligation for SaferQuotes to make any payment to any User under any circumstances. SaferQuotes voluntarily elects, in its sole discretion, whether and when to provide Guarantee benefits.

1.5 Secondary Coverage Only. The Guarantee provides secondary coverage only, meaning it applies only after:

• All applicable insurance coverage has been exhausted, denied, or determined inapplicable;
• The losing party has failed or refused to pay; and
• All eligibility requirements have been satisfied.

1.6 Recovery Rights. Upon making any payment under this Guarantee, SaferQuotes automatically obtains full assignment and subrogation rights to pursue recovery from:

• The losing party;
• The losing party's insurance carriers;
• Any other responsible parties.

---

2. DEFINITIONS

For purposes of these Guarantee Terms, the following definitions apply (in addition to those in the Terms of Service):

2.1 "Actual Loss" means the direct, out-of-pocket monetary loss suffered by the prevailing party as a result of the losing party's breach or non-performance, excluding any consequential, incidental, punitive, or speculative damages.

2.2 "Arbitration Award" means the final, written decision issued by the arbitrator following binding arbitration administered by Claimtel LLC.

2.3 "Basic Coverage" means the automatic $1,000 Guarantee coverage included at no additional charge in all Quotes transmitted through the Platform.

2.4 "Claim" means a formal written request submitted by a prevailing party to SaferQuotes for payment under the Guarantee following an unpaid Arbitration Award.

2.5 "Claim Packet" means the complete set of documentation required to support a Claim, as detailed in Section 8.

2.6 "Enhanced Coverage" means optional Guarantee coverage above $1,000 (up to $25,000 maximum) purchased by a Buyer for an additional fee.

2.7 "Losing Party" means the party against whom an Arbitration Award is issued and who is obligated to make payment to the prevailing party.

2.8 "Prevailing Party" means the party in whose favor an Arbitration Award is issued and to whom payment is owed by the losing party.

2.9 "Primary Insurance" means any applicable insurance policy that provides coverage for the type of loss, damage, or dispute at issue, including but not limited to homeowners insurance, general liability insurance, professional liability insurance, or other relevant coverage.

2.10 "Service Agreement" means the binding contract formed between Provider and Buyer upon electronic acceptance of a Quote through the Platform.

---

3. ELIGIBILITY REQUIREMENTS

3.1 Platform Compliance. To be eligible for Guarantee coverage, all of the following requirements must be satisfied:

(a) The Quote must have been created, transmitted, and accepted through the SaferQuotes Platform in accordance with the Terms of Service;

(b) Both Provider and Buyer must have completed all required Platform registration and verification steps;

(c) The Provider must have been in "Approved" status at the time the Quote was sent;

(d) The Service Agreement must have been properly executed with all required signatures and acknowledgments;

(e) The applicable Service Fee must have been paid by the Provider;

(f) The work scope must be clearly described in Exhibit A (the Quote document);

(g) All terms of the Service Agreement must have been satisfied (except for payment by the losing party);

(h) The Dispute must have been submitted to and completed through SaferQuotes Mediation;

(i) If Mediation failed, the Dispute must have been submitted to and decided through Claimtel Arbitration;

(j) A final, written Arbitration Award must have been issued;

(k) The losing party must have failed to pay the Arbitration Award within ten (10) days of issuance;

(l) A complete Claim Packet must have been submitted to SaferQuotes within thirty (30) calendar days of the Arbitration Award date;

(m) All applicable Primary Insurance must have been exhausted, denied, or determined inapplicable, with documented proof provided;

(n) The prevailing party must be in full compliance with these Guarantee Terms and the Terms of Service;

(o) No exclusions under Section 7 apply.

3.2 Provider Eligibility Requirements. For Providers to be eligible for Guarantee coverage on a claim:

• Provider must have maintained all required licenses and insurance throughout the duration of the job;
• Provider must have performed all work described in Exhibit A in a workmanlike manner;
• Provider must have complied with all applicable building codes and regulations;
• Provider must have obtained all required permits;
• Provider must have participated in good faith in Mediation and Arbitration;
• Provider must not have violated any terms of the Service Agreement or Terms of Service.

3.3 Buyer Eligibility Requirements. For Buyers to be eligible for Guarantee coverage on a claim:

• Buyer must have paid all amounts owed to Provider (unless payment is the subject of the dispute);
• Buyer must have cooperated with Provider's performance of the work;
• Buyer must have participated in good faith in Mediation and Arbitration;
• Buyer must not have materially breached the Service Agreement;
• Buyer must not have violated any terms of the Service Agreement or Terms of Service.

3.4 Disqualifying Events. The following events automatically disqualify a transaction from Guarantee eligibility:

• Either party circumventing the Platform to avoid fees;
• Either party colluding to defraud SaferQuotes or the Guarantee Program;
• Material misrepresentation by either party during Mediation or Arbitration;
• Withdrawal from or refusal to participate in Mediation or Arbitration;
• Failure to timely file the Claim;
• Failure to provide requested documentation;
• Settlement or release of claims without SaferQuotes' consent.

---

4. COVERAGE SCOPE AND TRIGGERING EVENTS

4.1 What Is Covered. Subject to all eligibility requirements, exclusions, and limitations, the Guarantee may provide coverage for:

(a) Non-Payment by Buyer: If a Provider prevails in Arbitration and the Buyer fails to pay amounts owed for work properly performed;

(b) Non-Performance by Provider: If a Buyer prevails in Arbitration and the Provider fails to pay amounts awarded for:

• Work not performed as described in Exhibit A;
• Defective or substandard workmanship;
• Material breaches of the Service Agreement;
• Property damage caused by the Provider.

4.2 Covered Losses. The Guarantee may cover only Actual Loss, which includes:

• Amounts owed for labor and materials properly provided;
• Cost to complete unfinished work;
• Cost to correct defective work;
• Documented property damage directly caused by covered breach;
• Out-of-pocket costs to cure breach.

4.3 Triggering Event. The Guarantee is triggered only when all of the following occur:

(a) A valid Service Agreement exists and was properly executed through the Platform;

(b) A covered Dispute arises between Provider and Buyer;

(c) The parties attempt Mediation in good faith but do not reach settlement;

(d) The Dispute proceeds to binding Arbitration through Claimtel;

(e) A final Arbitration Award is issued in favor of one party;

(f) The losing party fails to satisfy the Award within ten (10) calendar days;

(g) All Primary Insurance has been exhausted, denied, or determined inapplicable;

(h) A complete Claim is filed within thirty (30) days of the Award;

(i) SaferQuotes determines the Claim is eligible and elects to provide payment.

4.4 No Coverage Without Award. The Guarantee provides no coverage unless and until a final Arbitration Award has been issued. Disputes settled during Mediation or withdrawn before Arbitration are not eligible for Guarantee coverage.

---

5. COVERAGE LIMITS AND CALCULATION

5.1 Per-Transaction Maximum. The maximum Guarantee coverage for any single Service Agreement is:

• Basic Coverage: $1,000 (automatic, no additional fee)
• Enhanced Coverage: Up to $25,000 (optional, purchased by Buyer)

The coverage limit applicable to a transaction is the coverage level selected by the Buyer at the time of Quote acceptance.

5.2 Aggregate Annual Cap. The maximum aggregate Guarantee payments to any single User (Provider or Buyer) within any rolling 12-month period is $25,000, regardless of the number of transactions or claims.

5.3 Payment Calculation. If SaferQuotes elects to pay a Claim, the payment amount shall be the lesser of:

• The Arbitration Award amount (excluding interest, penalties, or attorney fees unless specifically awarded by the arbitrator);
• The prevailing party's documented Actual Loss;
• The applicable coverage limit ($1,000 for Basic, up to $25,000 for Enhanced);
• The remaining amount available under the prevailing party's aggregate annual cap.

5.4 Reduction for Partial Payments. If the losing party makes any partial payment of the Award, SaferQuotes will reduce the Guarantee payment by the amount already received by the prevailing party.

5.5 Reduction for Insurance Proceeds. If the prevailing party receives any insurance proceeds related to the loss, SaferQuotes will reduce the Guarantee payment by the insurance amount received.

5.6 No Stacking. Coverage limits do not stack. If both Provider and Buyer have claims arising from the same Service Agreement, the per-transaction maximum applies to the aggregate of both claims.

5.7 Multiple Awards. If multiple Arbitration Awards are issued for the same Service Agreement (e.g., initial award plus enforcement proceedings), the per-transaction maximum applies to the total of all awards.

---

6. ORDER OF PAYMENT RESPONSIBILITY

6.1 Primary Responsibility. The parties acknowledge and agree that payment responsibility follows this order:

First: Primary Insurance (homeowners, general liability, professional liability, etc.)
Second: The losing party's personal assets and resources
Third: SaferQuotes Guarantee (discretionary, secondary coverage only)

6.2 Insurance Exhaustion Requirement. Before SaferQuotes will consider any Guarantee payment, the prevailing party must:

• File claims with all applicable Primary Insurance carriers;
• Provide SaferQuotes with copies of all insurance claim submissions;
• Exhaust all insurance coverage or receive written denials;
• Provide SaferQuotes with copies of all insurance claim determinations;
• Cooperate with any insurance appeals or reviews.

6.3 Direct Pursuit of Losing Party. Before requesting Guarantee payment, the prevailing party should make reasonable efforts to collect the Award from the losing party, including:

• Sending payment demands;
• Attempting negotiation;
• Providing reasonable time for payment.

SaferQuotes may deny a Claim if the prevailing party has not made reasonable collection efforts.

6.4 Primary Insurance Definition. For purposes of this section, Primary Insurance includes:

For Buyers:

• Homeowners insurance (for property damage);
• Umbrella or excess liability insurance;

For Providers:

• General liability insurance;
• Professional liability insurance (errors & omissions);
• Completed operations coverage;
• Commercial general liability;
• Umbrella or excess liability insurance;

6.5 Subrogation Against Insurance. If SaferQuotes makes a Guarantee payment, SaferQuotes is automatically subrogated to all of the prevailing party's rights against any insurance carrier, including the right to file claims, pursue appeals, or litigate coverage disputes.

---

7. GUARANTEE EXCLUSIONS

7.1 General Exclusions. The Guarantee does NOT cover and SaferQuotes has NO obligation to pay for:

(a) Work Outside Exhibit A: Any work, services, materials, or changes not specifically described in the Quote document (Exhibit A) attached to the Service Agreement;

(b) Change Orders Not Processed Through Platform: Any modifications, amendments, or change orders not properly documented and accepted through the SaferQuotes Platform;

(c) Fraud and Intentional Misconduct:

• Fraud, misrepresentation, or intentional deception by either party;
• Criminal acts or violations of law;
• Willful or intentional breach of contract;
• Gross negligence or recklessness;

(d) Consequential and Incidental Damages:

• Lost profits or business income;
• Loss of use or rental value;
• Diminution in property value (unless directly resulting from documented property damage);
• Emotional distress or mental anguish;
• Punitive or exemplary damages;
• Inconvenience or frustration;
• Attorney fees (unless specifically awarded by arbitrator and included in Award);

(e) Subjective Quality Disputes:

• Disputes over aesthetic preferences or stylistic choices;
• Dissatisfaction with color, finish, or appearance (unless objectively defective);
• "Not as envisioned" complaints without objective defect;

(f) Delays and Timing:

• Delays in starting or completing work (unless delay itself causes documented property damage);
• Extended completion timelines;
• Weather-related delays;
• Supply chain delays;

(g) Third-Party Issues:

• Work performed by subcontractors not registered with SaferQuotes;
• Work performed by parties other than the Provider named in the Service Agreement;
• Disputes with suppliers, manufacturers, or third parties;
• Mechanic's liens or claims by unpaid subcontractors or suppliers;

(h) Force Majeure:

• Acts of God (earthquakes, floods, hurricanes, tornadoes, fires);
• War, terrorism, or civil unrest;
• Government orders or regulations preventing performance;
• Pandemics or quarantines;
• Strikes or labor disputes;

(i) Pre-Existing Conditions:

• Defects, damage, or conditions that existed before the Service Agreement;
• Undisclosed property conditions;
• Hidden defects not discoverable by Provider;

(j) Code and Permit Issues:

• Building code violations not caused by Provider's work;
• Permit denials due to property or zoning restrictions;
• Costs to bring pre-existing conditions up to code;

(k) Insurance-Covered Losses:

• Any loss, damage, or claim covered (or that should be covered) by Primary Insurance;
• Any loss for which insurance proceeds have been paid or are payable;

(l) Payment Disputes Involving Buyer's Financial Inability:

• Buyer's bankruptcy or insolvency;
• Buyer's lack of funds to pay (without other breach or wrongdoing);

(m) Design Defects:

• Defects in plans, specifications, or designs provided by Buyer or third parties;
• Design errors not attributable to Provider;

(n) Normal Wear and Tear:

• Normal deterioration, aging, or wear of materials or workmanship;
• Lack of maintenance by Buyer;

(o) Settlement Without Consent:

• Any disputes settled or released without SaferQuotes' prior written consent;
• Waivers or releases given without SaferQuotes' authorization;

(p) Violation of Terms:

• Losses arising from violation of the Terms of Service;
• Losses arising from violation of these Guarantee Terms;
• Transactions that circumvented Platform processes or fees;

(q) Non-Compliance:

• Claims where Provider lacked required licenses or insurance;
• Claims where Provider performed unlicensed work;
• Claims involving unpermitted work (where permits were required);

(r) Bad Faith:

• Frivolous, vexatious, or bad faith claims or disputes;
• Claims filed for improper purposes;
• Manufactured or exaggerated disputes;

(s) Multiple Providers:

• Disputes involving multiple contractors working on the same property (unless all registered through SaferQuotes);
• Inability to determine which Provider caused damage;

(t) Utility and Infrastructure:

• Utility connection fees or charges;
• HOA or municipal fees;
• Infrastructure costs;

(u) Already Paid:

• Claims where the losing party has already paid (in full or in part);
• Duplicate claims for the same loss;

(v) Violation of Award:

• Failure to comply with terms or conditions of the Arbitration Award;
• Failure to cure defects as ordered by arbitrator (if applicable).

7.2 Exclusion Determination. SaferQuotes has sole discretion to determine whether any exclusion applies to a Claim.

7.3 Burden of Proof. The prevailing party bears the burden of proving that no exclusion applies.

---

8. CLAIM FILING PROCESS AND REQUIREMENTS

8.1 Timing Requirement. A Claim must be filed within thirty (30) calendar days of the date the Arbitration Award was issued. Claims filed after 30 days are automatically denied, with no exceptions.

8.2 How to File. Claims must be filed electronically through the SaferQuotes Platform by:

• Logging into the prevailing party's account;
• Navigating to the applicable Service Agreement;
• Clicking "File Guarantee Claim";
• Completing all required information fields;
• Uploading all required documentation.

8.3 Required Claim Packet Information. The Claim submission must include:

(a) Claim Form: Complete all fields in the Platform's Claim form, including:

• Claimant name and contact information;
• Service Agreement reference number;
• Arbitration Award reference number and date;
• Award amount;
• Amount claimed under Guarantee;
• Detailed narrative explaining the Dispute and outcome;

(b) Arbitration Award: A complete copy of the final Arbitration Award issued by Claimtel, including all findings of fact, conclusions, and payment directives;

(c) Service Agreement Documentation:

• Copy of the accepted Quote (Exhibit A);
• Copy of the executed Service Agreement;
• All amendments or change orders (if any);

(d) Insurance Documentation:

• Proof that all claims were filed with applicable Primary Insurance (claim forms, submission confirmations);
• Written denials or determinations from all insurance carriers;
• Explanation of Coverage (EOC) or similar documents;
• If any insurance payments were made, documentation of amount and date;

(e) Payment Demand Documentation:

• Copy of written payment demand sent to losing party after Award;
• Proof of delivery (email confirmation, certified mail receipt);
• Any responses received from losing party;

(f) Financial Documentation:

• Detailed breakdown of Actual Loss;
• Invoices, receipts, or other proof of amounts paid or owed;
• For Buyers: Receipts for amounts paid to Provider;
• For Providers: Invoices for labor and materials provided;
• If claiming cost of repairs: Itemized estimates from licensed contractors;

(g) Photographic Evidence:

• Before, during, and after photos of the work (if applicable);
• Photos documenting any defects or damage (if applicable);

(h) Compliance Certifications:

• Certification that all information provided is true and accurate;
• Certification that all Guarantee Terms and Terms of Service were complied with;
• Certification that no exclusions apply;
• Authorization for SaferQuotes to pursue subrogation and recovery;

(i) Assignment Documents:

• Executed assignment of all rights to the Arbitration Award;
• Executed subrogation agreement;
• Power of attorney for collection activities (if requested);

(j) Additional Documentation: Any other documentation reasonably requested by SaferQuotes to evaluate the Claim.

8.4 Incomplete Claims. If a Claim Packet is incomplete, SaferQuotes will notify the claimant and provide seven (7) calendar days to submit missing information. If the missing information is not provided within 7 days, the Claim will be denied.

8.5 False Information. Submission of false, fraudulent, or materially misleading information in a Claim will result in:

• Immediate denial of the Claim;
• Forfeiture of all Guarantee coverage;
• Potential termination of User's account;
• Possible legal action.

---

9. CLAIM REVIEW AND DETERMINATION

9.1 Review Process. Upon receipt of a complete Claim Packet, SaferQuotes will:

• Acknowledge receipt within 2 business days;
• Review all documentation for completeness and accuracy;
• Verify compliance with all eligibility requirements;
• Confirm no exclusions apply;
• Verify insurance exhaustion;
• Calculate potential payment amount;
• Make determination to approve or deny the Claim.

9.2 Review Timeline. SaferQuotes will make reasonable efforts to complete Claim review within thirty (30) calendar days of receiving a complete Claim Packet. Complex claims may require additional time.

9.3 Right to Investigate. SaferQuotes reserves the right to:

• Request additional information or documentation;
• Interview the parties;
• Inspect the property or work site;
• Retain experts to evaluate the claim;
• Review court or public records;
• Contact insurance carriers;
• Take any other reasonable investigative steps.

Claimant must fully cooperate with any investigation. Failure to cooperate may result in Claim denial.

9.4 Determination. SaferQuotes will issue a written determination that will:

• State whether the Claim is approved or denied;
• If approved, state the payment amount;
• If denied, state the reason(s) for denial;
• Outline any conditions for payment;
• Specify prevailing party's obligations.

9.5 Denial Reasons. SaferQuotes may deny a Claim for any reason, including but not limited to:

• Failure to meet eligibility requirements;
• Applicability of any exclusion;
• Insufficient documentation;
• Failure to exhaust insurance;
• Failure to cooperate with investigation;
• Determination that payment is not warranted;
• Discretionary decision not to provide coverage.

9.6 No Appeal. SaferQuotes' determination is final and not subject to appeal or review. There is no appeal process, and SaferQuotes will not reconsider denied Claims except in the case of newly discovered material evidence.

9.7 Approval Does Not Create Obligation. Even if a Claim is "approved," SaferQuotes retains sole discretion on whether, when, and how much to pay. Approval is not a binding commitment to make payment.

---

10. PAYMENT TERMS AND CONDITIONS

10.1 Payment Method. If SaferQuotes elects to make a Guarantee payment, payment will be made via:

• ACH direct deposit to claimant's bank account; or
• Check mailed to claimant's registered address; or
• Other method at SaferQuotes' discretion.

10.2 Payment Timing. If approved, SaferQuotes will make reasonable efforts to issue payment within thirty (30) calendar days of approval, provided all conditions are met.

10.3 Conditions Precedent to Payment. Before any payment is made, the claimant must:

• Execute all assignment and subrogation documents;
• Provide ACH information or mailing address;
• Sign a release of SaferQuotes from any claims related to the Guarantee;
• Agree not to pursue the losing party for the amounts paid by SaferQuotes;
• Agree to cooperate with SaferQuotes' recovery efforts;
• Provide any additional documentation requested.

10.4 Payment Is Full and Final. Any payment made under the Guarantee is payment in full and final satisfaction of SaferQuotes' obligations (if any) under the Guarantee. The prevailing party may not seek additional payment from SaferQuotes.

10.5 Payment Is Not Admission. Payment under the Guarantee does not constitute an admission by SaferQuotes of any liability, obligation, or fault.

10.6 Tax Reporting. SaferQuotes will issue IRS Form 1099 for any Guarantee payments exceeding $600 in a calendar year. Recipients are responsible for all tax consequences of payments received.

10.7 Right to Rescind. SaferQuotes reserves the right to rescind a payment and demand repayment if:

• False information was provided;
• The claimant violates any condition of payment;
• The losing party subsequently pays the Award;
• Insurance proceeds are later received;
• It is discovered that an exclusion applied.

---

11. ASSIGNMENT, SUBROGATION, AND RECOVERY

11.1 Automatic Assignment. By accepting any payment under the Guarantee, the prevailing party automatically, immediately, and irrevocably assigns to SaferQuotes all rights, title, and interest in and to:

• The Arbitration Award;
• The right to enforce the Award;
• The right to collect from the losing party;
• All claims against the losing party arising from the Service Agreement;
• All insurance claims and subrogation rights;
• The right to file judgments or liens;
• The right to pursue any legal remedies;
• Any other rights of recovery.

11.2 Subrogation Rights. Upon making any payment, SaferQuotes is automatically subrogated to all rights of the prevailing party, including:

• Standing as the prevailing party in enforcing the Award;
• All contractual rights under the Service Agreement;
• All tort claims related to the transaction;
• All rights against third parties;
• All insurance claims and benefits.

11.3 Execution of Documents. The prevailing party agrees to execute (and by using the Platform, hereby grants SaferQuotes a power of attorney to execute on their behalf):

• Assignment of judgment;
• Subrogation agreement;
• Satisfaction of judgment (partial, for amount paid);
• Any documents necessary to perfect SaferQuotes' rights.

11.4 Cooperation in Recovery. The prevailing party must:

• Fully cooperate with SaferQuotes' recovery efforts;
• Provide testimony, declarations, or evidence if requested;
• Not take any action that would impair SaferQuotes' recovery rights;
• Not settle with or release the losing party without SaferQuotes' consent;
• Notify SaferQuotes if the losing party makes any payment attempts;
• Forward any payments received from losing party to SaferQuotes immediately.

11.5 SaferQuotes' Recovery Rights. SaferQuotes may, in its sole discretion:

• File judgment against the losing party;
• Place liens on the losing party's property;
• Pursue garnishment or attachment;
• File insurance claims;
• Sue the losing party or insurance carriers;
• Settle or compromise claims;
• Pursue any other legal remedies.

The prevailing party has no right to control or direct SaferQuotes' recovery efforts.

11.6 Recovery Allocation. If SaferQuotes recovers any amounts from the losing party or insurance:

• SaferQuotes retains 100% of amounts recovered, up to the amount paid under the Guarantee, plus collection costs;
• If recovery exceeds the Guarantee payment plus costs, SaferQuotes will remit the excess to the prevailing party;
• If recovery is less than the Guarantee payment, the prevailing party has no obligation to repay SaferQuotes.

11.7 No Interference. The prevailing party may not:

• Contact or negotiate with the losing party regarding payment (without SaferQuotes' consent);
• Release or waive any claims;
• Accept any payment without SaferQuotes' consent;
• Take any action that would subordinate or impair SaferQuotes' rights.

Violation of this provision may result in demand for full repayment of the Guarantee payment.

---

12. MEDIATION REQUIREMENT

12.1 Mandatory Mediation. Use of SaferQuotes Mediation for a minimum of fourteen (14) days is a mandatory prerequisite to Guarantee eligibility.

12.2 Good Faith Participation. Both parties must participate in Mediation in good faith by:

• Responding to Mediation communications within required timeframes;
• Providing complete and accurate information;
• Considering settlement proposals reasonably;
• Not using Mediation solely for delay;
• Engaging constructively in the process.

12.3 Failure to Mediate. If either party:

• Refuses to participate in Mediation;
• Fails to respond during Mediation;
• Participates in bad faith;

That party forfeits all Guarantee eligibility for that transaction.

12.4 Mediation Confidentiality. Mediation communications are confidential and may not be used in Arbitration, except:

• To prove compliance with the Mediation requirement;
• To prove bad faith participation;
• As required by law.

---

13. GUARANTEE FEES

13.1 Provider Fees. Providers do not pay separate fees for Guarantee coverage. The coverage is included as part of the Service Fee structure.

13.2 Buyer Fees - Basic Coverage. All Quotes automatically include $1,000 Basic Coverage at no additional charge to the Buyer.

13.3 Buyer Fees - Enhanced Coverage. Buyers may elect to purchase Enhanced Coverage (above $1,000, up to $25,000) for an additional 3% fee.

Example: For a $5,000 Quote with Enhanced Coverage, the Buyer would pay: $5,000 × 3.0% = $150.

13.4 Fee Collection. Enhanced Coverage fees are collected at the time of Quote acceptance via credit card or other payment method.

13.5 Non-Refundable. All Guarantee fees are non-refundable, regardless of whether:

• The work is completed;
• A dispute arises;
• A Claim is filed;
• A Claim is approved or denied.

13.6 Fee Modification. SaferQuotes may modify Guarantee fee structures prospectively at any time with notice.

---

14. PROGRAM MODIFICATION AND TERMINATION

14.1 Right to Modify. SaferQuotes reserves the right to modify, amend, suspend, or terminate the Guarantee Program at any time, in its sole discretion, with or without notice.

14.2 Prospective Application. Modifications apply only to Quotes created after the effective date of the modification. Quotes accepted before a modification remain governed by the Guarantee Terms in effect at acceptance.

14.3 Program Termination. SaferQuotes may terminate the Guarantee Program entirely at any time. Upon termination:

• No new Quotes will include Guarantee coverage;
• Existing accepted Quotes with Guarantee coverage remain covered until conclusion;
• No refunds of any fees will be provided.

14.4 No Vested Rights. Users have no vested right to continued availability of the Guarantee Program. The Program may be discontinued without liability to SaferQuotes.

---

15. NO THIRD-PARTY BENEFICIARIES

15.1 No Third-Party Rights. These Guarantee Terms are solely for the benefit of SaferQuotes and Users who have properly executed Service Agreements through the Platform. No other person or entity (including subcontractors, suppliers, lenders, or insurers) has any rights or claims under this Guarantee.

15.2 No Assignment by Users. Users may not assign, transfer, or pledge any rights under the Guarantee without SaferQuotes' prior written consent. Any attempted assignment is void.

---

16. ENTIRE AGREEMENT FOR GUARANTEE

These Guarantee Terms, together with the SaferQuotes Terms of Service, constitute the entire agreement regarding the Guarantee Program and supersede all prior or contemporaneous agreements, understandings, or communications regarding the Guarantee.

---