Terms of Service

Welcome to Simple Home Builds. These Terms of Service ("Terms") govern your access to and use of the Simple Home Builds website and application (the "Service"). By creating an account or using the Service, you agree to these Terms.

1. What Simple Home Builds is — and is not

Simple Home Builds provides software tools that help homeowners plan home construction projects, organize milestones and budgets, connect with contractors, and facilitate payments for completed work. We also help homeowners discover third-party financing options.

The Service is a neutral platform. Simple Home Builds is not:

• a party to any agreement between a homeowner and a contractor;
• a general contractor, builder, home-improvement contractor, or construction professional;
• a bank, money transmitter, or escrow agent;
• a lender, mortgage broker, or financing provider.

Any contract for construction work is solely between the homeowner and the contractor. Simple Home Builds does not perform, supervise, guarantee, warrant, or assume responsibility for any work, and does not verify, license, endorse, or vouch for any contractor or the quality, safety, legality, or timeliness of their work.

2. Payments

Payments made through the Service are processed by our third-party payment provider, Stripe, which is the regulated party responsible for moving funds. Simple Home Builds does not take custody of your funds. Where a project uses milestone-based payment release, funds are held and released through the payment provider according to the milestones you approve. Simple Home Builds may charge a transparent platform fee on payments processed through the Service, disclosed before a payment is made.

3. Financing

Any financing presented through the Service is offered by independent, third-party lenders. Simple Home Builds is not a lender or broker, does not make credit decisions, and does not guarantee any financing outcome, rate, or term. Your relationship for any loan is solely with the lender, governed by that lender's own terms.

4. Your responsibilities

• Provide accurate account and project information.
• Comply with all applicable laws, permits, and regulations for your project.
• Independently evaluate and select your contractors and approve work and payments.
• Keep your account credentials secure.

5. Acceptable use

You agree not to misuse the Service, including by attempting to disrupt it, access it without authorization, or use it for unlawful, fraudulent, or harmful purposes.

6. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including fitness for a particular purpose and non-infringement. Simple Home Builds does not warrant that the Service will be uninterrupted or error-free, or that any contractor, project, or financing will meet your expectations.

7. Limitation of liability

To the maximum extent permitted by law, Simple Home Builds and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from construction work, contractor conduct, financing, or disputes between users.

8. Indemnification

You agree to indemnify and hold harmless Simple Home Builds from claims arising out of your use of the Service, your projects, or your dealings with contractors or lenders.

9. Changes

We may update these Terms from time to time. Material changes will be reflected by updating the date above; continued use of the Service constitutes acceptance.

10. Contact

Questions about these Terms? Email support@simplehomebuilds.com.