Terms of Use

1. Agreement to Terms

1.1 These Terms of Use, together with any terms incorporated by reference (collectively, the "Terms"), TraIDCred governs access to and use of the Services, and are a binding agreement between users and TraIDCred. These Terms govern your access to and use of our websites, applications and services provided on our websites or applications. If you do not agree to these Terms, do not use our properties or services.

1.2 If you use the Services on behalf of a business or other entity, you represent that you are authorized to bind that entity, and "you" refers to that entity.

1.3 Incorporated Terms. Our Verification Terms and Standards are attached hereto as an exhibit and is incorporated into these Terms. The Privacy Policy is also incorporated into these Terms. If an incorporated document conflicts with these Terms on a topic it specifically addresses, the incorporated document governs.

2. Definitions

The following definitions apply to these Terms:

“Account” means a registered account on the Services.

“Badge” means a TraIDCred verification badge, mark, logo, or status indicator.

“Content” or “User Content” means any information, documents, images, text, or other material a Tradesperson, Profile Viewer or other User submits to or displays through the Services, including Credentials and profile information.

“Credential” means a document, certificate, or record submitted to TraIDCred for review, such as a business license, insurance certificate, W-9, OSHA certificate, or other trade document.

“Document Access” or “Access Grant” means time-limited permission to view a specific Credentials through the Services.

“Profile Viewer” means a person who views a Public Profile or requests Document Access.

“Public Profile” means a publicly accessible TraIDCred page for a Tradesperson that displays information for customers of the Tradesperson.

“Services” means TraIDCred’s websites, applications, and services or products available thereon, including credential submission and review, verification status, Public Profiles, and Document Access.

“Tradesperson” means a User who registers an Account to create and manage a Public Profile solely for business or professional use.

“TraIDCred,” “Company,” “we,” “us,” or “our” means TraIDCred LLC, a Utah limited liability company.

“User” or “you” means any person or entity that accesses or uses the Services.

Verification-related terms, including “Verified,” “Fully Verified,” and “Verification Completion,” have the meanings set forth in Exhibit A (the Verification Terms and Standards).

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services. Tradesperson Accounts and Public Profiles are for business or professional use in connection with a trade. The Services are intended for use in the United States only. The Services are not directed to, and should not be used by, persons outside the United States. If you access the Services from outside the United States, you agree that your use of the Services are solely governed by the laws of the State of Utah and the United States.

4. Accounts and security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that results from other Users accessing your Account. You agree to notify TraIDCred promptly if you know or suspect any unauthorized use of or access to your Account or the Services. You are responsible for the accuracy of all information and Content you provide and must promptly update it if it becomes inaccurate or outdated.

5. The Services

5.1 TraIDCred provides a platform on which Tradespeople can submit Credentials for review and display verification status on a Public Profile for use by Profile Viewers.

5.2 TraIDCred is not a licensing authority, government agency, insurer, insurance producer, employer, staffing or referral service, background-check provider, consumer reporting agency, or guarantor. TraIDCred does not:

• perform or supervise any Tradeperson’s work,
• endorse, recommend, or vouch for any Tradeperson, and
• guarantee any Tradeperson’s workmanship, competence, honesty, safety, suitability, or future performance.

Except as explicitly stated in these Terms, we provide no warranty for use the Services. Please see Section 14 below.

5.3 Use of the Services does not create any agency, partnership, employment, joint venture, or fiduciary relationship, between TraIdCred and any User. We do not provide legal, insurance, or professional advice through the Services.

5.4 The Services are offered through TraIDCred's Early Access program. This program is fully usable but still evolving and the Services are still being developed. During Early Access, features and verification processes may change, be added, or be removed at any time; the Services are provided without any service-level commitment or uptime guarantee. You understand that you are a paying Early Access customer of an evolving service. Please see the disclaimers in Section 14 and the limitations in Section 15.

6. Verification

6.1 Credential Review, verification statuses, "Verification Completion," "Fully Verified," and the Badge are governed by the Exhibit A (the Verification Terms & Standards), which are incorporated into these Terms. Exhibit A controls the meaning of any verification-related term or status. You acknowledge the limits of verification described there, including that Credential statuses reflect a point-in-time review and, except as expressly stated in Exhibit A, TraIDCred does not independently confirm a Credential’s current standing with an issuing authority, licensing board, insurer, or other source.

6.2 A “Verified” status only reflects the review of the “Last-Reviewed Date”. TraIDCred does not monitor Credentials in real time and does not perform updates. TraIDCred may not learn when a license, insurance policy, or certification changes after review. A stated expiration date is not a guarantee that the underlying license, coverage, or certification will remain valid until that date. Identity verification is a separate process and does not substitute for verification of a business Credential.

6.3 A Tradesperson is solely responsible and agrees to submit genuine, accurate, and complete Credentials that lawfully pertain to its business, and for maintaining valid underlying licenses, insurance, and certifications. In order to use the Services, a Tradesperson must agree to promptly update, replace, or remove any Credential that expires, is revoked, is cancelled, lapses, or becomes inaccurate. Submitting a Credential to TraIDCred does not satisfy, replace, or excuse any legal or contractual obligation the Tradesperson owes to any customer, authority, or third party. Misleading submissions and misuse of verification status are prohibited under Section 9.

6.4 TraIDCred may request original documents or additional information, request resubmission or re-verification, place a Credential under review, decline to verify a Credential, or revoke a prior Verified status in its reasonable discretion, including where a Credential appears invalid, illegible, expired, or inconsistent. Re-verification is required upon expiration, replacement, or TraIDCred’s request, and TraIDCred may re-review a Credential at any time. Rejected Credentials and the reasons for rejection are not publicly displayed. Account restrictions and termination are governed by Section 17.

TraIDCred may, but does not undertake an obligation to, contact an issuing authority, licensing board, insurer, or certifying body to confirm a Credential where it has a reasonable basis to do so. Except for the checks expressly described in Exhibit A, this reserved right does not mean that source confirmation has occurred. Any additional source-confirmation practice will be disclosed and conducted consistent with applicable law. Changes to the verification program or methods will be reflected in Exhibit A and handled under Section 19.

6.5 A Public Profile is an informational tool to assist a Profile Viewer’s own decision-making, not a substitute for independent due diligence. Before hiring or contracting with a Tradesperson, a Profile Viewer should independently confirm current licensing and project-specific requirements with the applicable licensing authority, confirm current insurance directly with the carrier, and obtain appropriate written agreements. Each status must be read with its Credential description, Last-Reviewed Date, and any stated expiration date. Verification, Verification Completion, Fully Verified, and the Badge do not represent a rating, endorsement, recommendation, guarantee of workmanship, or prediction of future conduct. The disclaimers and limitations in Sections 14 and 15 apply.

7. User Content and Credentials

7.1 As between you and us, You retain ownership of your User Content. You are solely responsible for it and represent that you have all rights necessary to submit it and that it is accurate and lawful and does not infringe or violate the rights of any third party. By providing or posting User Content, you represent and warrant that (i) you own or control all rights in and to the User Content and have the right to grant the license granted to us, and (ii) your User Content does and will comply with any applicable laws and regulations and doesn’t violate the rights of any third party.

7.2 You grant TraIDCred a worldwide, non-exclusive, royalty-free license to host, store, process, reproduce, and display your User Content. We may use this content to provide the Services and to secure and improve the Services. TraIDCred’s use, ability to share and retention practices are described in the Privacy Policy, which you can read here: Privacy Policy. As part of this license, and subject to our Privacy Policy, you give us permission to copy, publicly display, transmit, broadcast, perform, distribute, and otherwise use (and allow others to use) User Content throughout the world, by any means we deem appropriate (electronic or otherwise, including on the Internet). You also understand and agree that as part of this license, we have the right to create (and to allow others to create) and use derivative works from your User Content by combining all or a portion of it with that of other contributors or by otherwise modifying your User Content.

7.3 TraIDCred will not publicly display Credential files, filenames, storage paths, reviewer notes, or sensitive information contained in Credentials. TraIDCred may publicly display the Credential information expressly described in Exhibit A and the Privacy Policy.

7.4 If you send suggestions, TraIDCred may use them without obligation or compensation to you.

8. Document Access

8.1 A Tradesperson grants a Profile Viewer a revocable license, time-limited where stated below, to a specific Credential document through the Service. TraIDCred may require a Profile Viewer to accept separate terms or acknowledgments governing Document Access before receiving access to a Credential document. A link that is provided to a homeowner or a party other than a general contractor’s organization expires after 48 hours. Access granted to a general contractor’s organization lasts until revoked by the Tradesperson.

8.2 A Profile Viewer granted Document Access may use the accessed document solely to evaluate the relevant Tradesperson and agrees to not copy, store beyond the access period, redistribute, publish, or otherwise misuse it.

9. Acceptable use

9.1 Prohibited Content and misrepresentations. You must not submit, upload, provide, or display through the Services any Content or Credential that:

(a) is forged, fabricated, altered, falsified, or materially misleading, including any expired, revoked, cancelled, or not-in-force Credential presented as current.

(b) belongs to another person or business unless you are authorized to submit or use it or otherwise violates the legal rights (including the rights of publicity and privacy) of any other person or business.

(c) infringes or violates any intellectual-property, privacy, or other right of a third party.

(d) is unlawful.

(e) that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.

(f) promotes sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.

(g) could deceive any person.

(h) promotes any illegal activity or any unlawful act.

(i) causes annoyance, inconvenience, or needless anxiety to, or be likely to upset, embarrass, alarm, or annoy, any other person.

(j) impersonates any person, or misrepresents your identity or affiliation with any person or organization.

(k) gives the impression that it emanates from or is endorsed by us or any other person or entity, if this is not the case.

9.2 Prohibited conduct. You must not:

(a) impersonate any person or entity or misrepresent your identity, authority, affiliation, ownership, licensing, insurance, certifications, qualifications, or other material information;

(b) create, manage, or claim a Public Profile for a business you do not own or are not authorized to represent;

(c) misuse any verification status or Badge, including by displaying a status you do not hold or using TraIDCred’s verification to imply a guarantee, endorsement, certification, warranty, or recommendation that TraIDCred has not made;

(d) use the Services to harass, threaten, defraud, deceive, or harm another person, or to send spam or unauthorized communications; or

(e) use the Services in violation of applicable law.

9.3 Platform integrity and security. You must not:

(a) scrape, crawl, harvest, or systematically collect data from the Services except as TraIDCred expressly permits;

(b) reverse engineer, decompile, or attempt to derive source code from the Services, except to the extent applicable law prohibits this restriction;

(c) circumvent, disable, interfere with, or attempt to defeat any security feature, authentication measure, access control, access grant, token, or rate limit, or access any Account, Credential, document, or data you are not authorized to access;

(d) introduce malware or otherwise interfere with the security, integrity, availability, or operation of the Services; or

(e) manipulate, inflate, falsify, or artificially generate any verification status, Verification Completion measure, view, scan, analytic, or other platform metric.

9.4 Violations. If a User violates these Terms, TraIDCred may:

(a) reject or remove the User’s Content or Credentials,

(b) revoke the User’s verification status or Badge rights,

(c) restrict or unpublish the User’s Public Profile, or

(d) suspend or terminate the User’s Account, as provided in Section 17 below.

Where TraIDCred reasonably and in good faith believes conduct may be unlawful, TraIDCred may report relevant factual information to law enforcement, licensing authorities, insurers, or other appropriate entities, subject to applicable law and the Privacy Policy.

10. Fees, subscriptions, and payment

10.1 Paid Services. Certain Services are offered for a fee, which may include one-time setup fees and recurring (for example, monthly) subscriptions. The specific fees, billing cycle, automatic renewal, cancellation, failed-payment handling, proration, and taxes, and refunds are governed by this Section 10. By purchasing a paid plan, you agree to pay the applicable fees in accordance with this Section 10. A “Subscription” is a recurring paid plan for the Services. The fees, plan features, billing frequency, and any one-time setup fee are those presented to you at the point of purchase in the Services (the "Order"). The Order, together with this Section 10, describes what you are buying. All terms of an Order are incorporated into, and become a part of, these Terms. Fees are stated and charged in U.S. dollars. A setup fee, if shown at purchase, is a one-time charge billed at the start of your first billing period, subject to Section 10.7. Fees grant you a license to the Services as they exist from time to time, subject to Section 5.4, and do not guarantee any particular verification outcome.

10.2 Payment processor (Stripe). Payments are processed by Stripe, Inc. ("Stripe"). TraIDCred does not collect or store full payment-card numbers; you provide card details directly to Stripe, which handles them under Stripe's own terms and privacy policy. You authorize TraIDCred, through Stripe, to charge your selected payment method for all applicable fees, recurring charges, taxes, and other amounts due under your paid plan until your Subscription is cancelled and all outstanding amounts are paid. You must provide a valid payment method and keep it current. Payment authorization and billing-related agreements, disclosures, receipts, and notices are provided electronically as described in Section 12.

10.3 Automatic renewal. Paid subscriptions automatically renew for successive billing periods at the then-current price unless you cancel before the renewal date, as described in this Section 10. You may cancel at any time as described in Section 10.5.

Unless otherwise agreed to in your Order, your Subscription bills in advance for each billing period. Each renewal is for another period of the same length, and your payment method will be charged the then-current fee for your plan, subject to Section 10.4. No separate action is required to renew. Recurring charges continue until you cancel. TraIDCred will provide renewal or cancellation reminders when required by applicable law.

10.4 Changes to fees. TraIDCred may change fees on a prospective basis; changes take effect no earlier than a future billing period after the advance notice described in this Section 10.4. For a price increase that will apply to your Subscription, TraIDCred will provide advance notice, for example by email, before the renewal at which the increase takes effect. If you do not agree, you may cancel before the change takes effect. Continuing to use the paid Services after the effective date constitutes acceptance of the new price to the extent permitted by applicable law.

10.5 Cancellation. You may cancel your Subscription at any time through your Account’s subscription settings or by contacting support@traidcred.com. Cancellation stops future renewals. Unless Section 10.7 or applicable law provides otherwise, cancellation takes effect at the end of the current paid billing period, and you retain access to the paid Services until then, unless access is restricted or terminated under these Terms. Merely stopping use of the Services does not cancel a Subscription. Cancellation does not eliminate amounts properly incurred before it takes effect.

10.6 Failed Payments. If a charge fails, TraIDCred, through Stripe, may retry the charge. TraIDCred may suspend or downgrade access to paid Services if payment remains unpaid after a reasonable period and may terminate the Subscription for continued non-payment. You remain responsible for amounts properly incurred before suspension or termination.

10.7 Refunds. The following terms shall govern refunds:

1. Except as expressly provided in this Section 10.7 or when required by applicable law, recurring Subscription fees already charged are non-refundable, and TraIDCred does not provide prorated refunds for unused portions of a billing period, if you don’t use the Services, or if we terminate your Account because you have violated these Terms. One-time setup fees are non-refundable once the associated setup work or access has been provided, except as required by law or where TraIDCred did not provide the paid Service.
2. During the Early Access program, TraIDCred will refund the most recent Subscription charge if you request it within fourteen (14) days of that charge and have not used the paid Services during that period.
3. TraIDCred will provide a refund or credit if you were charged in error or double-charged, or if TraIDCred discontinues a paid Service you prepaid for, prorated for the unused, prepaid period.

10.8 Taxes and payment disputes. Fees are exclusive of taxes. You are responsible for applicable sales, use, or similar taxes, which TraIDCred may collect and remit where required. Any tax TraIDCred is required to collect will be added to your charge. If you believe you were billed in error or qualify for a refund, contact support@traidcred.com first so TraIDCred can review and resolve the issue. Initiating a chargeback or payment dispute without first contacting TraIDCred may result in suspension or termination of your Account pending resolution. TraIDCred may provide transaction records to Stripe and your card issuer to resolve a dispute. Nothing in this Section limits your rights under applicable law or your card issuer’s rules.

10.9 Suspension, closure, and discontinuance. Suspension does not pause or extend a billing period unless TraIDCred states otherwise in writing. When an Account is closed under Section 17.3, the associated Subscription will be cancelled to stop future renewals. Account closure does not create a refund right except as provided in Section 10.7 or applicable law. If TraIDCred terminates your Account for your breach of these Terms, you are not entitled to a refund of fees already paid except as expressly provided in Section 10.7 or required by law. Refunds or credits for discontinuance of a prepaid Service are governed by Section 10.7(c). Cancellation, closure, suspension, or termination does not eliminate amounts properly incurred before the action takes effect.

11. Intellectual property

11.1 The Services, including all software, content, and names, logos, trademarks, service marks, and Badges (other than User Content), are owned by TraIDCred or its licensors. Subject to these Terms, TraIDCred grants you a limited, revocable, non-exclusive, non-transferable license to use the Services for their intended purpose. All rights not expressly granted are reserved.

11.2 Badge use is governed by Exhibit A (the Verification Terms & Standards).

11.3 Copyright complaints. TraIDCred respects intellectual-property rights. If you believe Content on the Services infringes your copyright, you may notify TraIDCred's designated agent at legal@traidcred.com (TraIDCred LLC, Attn: David Byers, DMCA Designated Agent, 826 Expressway Ln Unit #688, Spanish Fork, UT 84660; 801-477-7258) with the information required under the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512, including (i) identification of the work, (ii) the allegedly infringing material and its location, (iii) your contact information, (iv) a good-faith statement, and (v) a statement under penalty of perjury that you are authorized to act.

11.4 Repeat infringers and counter-notices. TraIDCred may remove or disable access to Content that it reasonably believes infringes intellectual-property rights. TraIDCred has adopted and reasonably implements a policy providing for termination, in appropriate circumstances, of users and account holders who are repeat copyright infringers.

If Content you submitted is removed or disabled in response to a DMCA notice and you believe the removal resulted from mistake or misidentification, you may send a counter-notification to TraIDCred’s designated agent. A counter-notification must include the information required by 17 U.S.C. § 512(g), including (i) your physical or electronic signature; (ii) identification of the material removed or disabled and the location where it previously appeared; (iii) a statement under penalty of perjury that you have a good-faith belief the material was removed or disabled because of mistake or misidentification; and (iv) your name, address, and telephone number, together with the jurisdiction and service-of-process statements required by the DMCA. TraIDCred will process valid counter-notifications and, where required by the DMCA, restore the material unless the complaining party timely notifies TraIDCred that it has filed an action seeking a court order concerning the material.

12. Privacy and electronic communications

12.1 Privacy. TraIDCred’s collection, use, disclosure, retention, and other processing of Personal Information is described in the Privacy Policy, which is incorporated into these Terms.

12.2 Electronic Communications and Signatures. By accepting these Terms, you consent to receive electronically all agreements, notices, disclosures, records, receipts, and other communications that TraIDCred provides in connection with the Services (collectively, “Communications”). Electronic Communications satisfy any requirement that a Communication be provided in writing to the extent permitted by applicable law. Your electronic acceptance or signature, including by clicking an “I agree” or similar button, has the same legal effect as a handwritten signature to the extent permitted by applicable law.

12.3 Delivery and Access. TraIDCred may provide Communications by email to the address associated with your Account, through the Services, or by other electronic means. You are responsible for keeping your email address and contact information current and maintaining access to them. To access and retain Communications, you need a device with internet access, a current web browser, a valid email account, and the ability to view and save PDF and web-based documents. If these requirements materially change in a way that may prevent you from accessing or retaining Communications, TraIDCred will provide any notice required by applicable law.

12.4 Paper Copies and Withdrawal. You may request a paper copy of a Communication at no charge by contacting support@traidcred.com. Requesting a paper copy does not withdraw your consent to electronic Communications. You may withdraw your consent to receive Communications electronically by contacting support@traidcred.com. Withdrawal becomes effective after TraIDCred has had a reasonable opportunity to process it. Because the Services are provided electronically, withdrawal may prevent TraIDCred from providing some or all of the Services to you and may result in restriction or closure of your Account. TraIDCred may retain records as described in the Privacy Policy and as required or permitted by applicable law.

12.5 Separate Consents. This Section applies to Service-related and transactional Communications. It does not constitute consent to marketing communications, text messages, identity verification, biometric processing, background checks, or any other process for which TraIDCred provides a separate notice, consent, release, or authorization. Any additional consent required for those activities will be obtained separately where required by applicable law.

12.6 Acceptance Records and Applicable Law. TraIDCred may record your electronic consent and acceptance, including the applicable document version and timestamp, as described in the Privacy Policy. TraIDCred will provide any additional notices, disclosures, consents, or procedures required by applicable law.

13. Third-party services

The Services rely on third-party providers (for example, hosting, storage, authentication, email, payment processing, and identity verification). Certain third-party services may be provided directly to you by the applicable provider and may be subject to that provider’s own terms and privacy policy. TraIDCred does not control, and is not responsible for, the independent acts or services of third-party providers except to the extent responsibility cannot be excluded under applicable law.

14. Disclaimers of warranties

14.1 THE SERVICES AND ALL VERIFICATION STATUSES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade, to the maximum extent permitted by law.

14.2 Without limiting Section 14.1, TraIDCred does not warrant that: (a) any Credential is authentic despite appearing facially valid, or that any license, insurance coverage, or other status reflected in a Credential will remain valid, current, or in force after its “Last-Reviewed Date”; (b) any Tradesperson is licensed, insured, skilled, competent, honest, safe, or suitable for any particular project or purpose; (c) the Services will be uninterrupted, secure, or error-free; or (d) any verification status or information reflected in a Credential will remain accurate after its “Last-Reviewed Date”.

14.3 Any reliance on a verification status is at your own risk and must be limited to the meaning expressly stated in Exhibit A (the Verification Terms and Standards). A verification status does not constitute an endorsement, recommendation, guarantee, or prediction of a Tradesperson’s future conduct or performance. Some jurisdictions do not allow certain warranty exclusions, so parts of this Section may not apply to you.

15. Limitation of liability

15.1 To the maximum extent permitted by law, TraIDCred and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, goodwill, or business, arising out of or relating to the Services or these Terms, whether based in contract, tort, strict liability, or any other legal theory, even if advised of the possibility of such damages.

15.2 To the maximum extent permitted by law, the total aggregate liability of TraIDCred and its officers, employees, and agents for all claims arising out of or relating to the Services or these Terms will not exceed the greater of (a) the total amounts you paid to TraIDCred for the Services in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

15.3 To the maximum extent permitted by law, TraIDCred is not liable for damages or other losses arising from the acts, omissions, work, conduct, or Content of any Tradesperson, Profile Viewer, or other third party, including any harm arising from a homeowner's engagement of a Tradesperson.

15.4 The limitations in this Section 15 do not limit any indemnification obligations that apply to you under Section 16 (Indemnification) or any amounts you owe TraIDCred, and do not apply to liability that cannot be limited or excluded under applicable law.

15.5 Some jurisdictions do not allow certain limitations, so parts of this Section may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.

16. Indemnification

16.1 If you are a Tradesperson, you agree to defend, indemnify, and hold harmless TraIDCred and its officers, employees, and agents from and against any third-party claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your User Content or Credentials; (b) your misuse of the Services; (c) your violation of these Terms or applicable law; (d) your misrepresentation of your identity, authority, licensing, insurance, certifications or qualifications; (e) your work for, or dealings with, any customer or third party; or (f) your misuse of any verification status or Badge. This indemnity applies to the fullest extent permitted by law; nothing in it requires you to indemnify TraIDCred for TraIDCred's own gross negligence or willful misconduct.

16.2 If you are a Profile Viewer, you agree to defend, indemnify, and hold harmless TraIDCred and its officers, employees, and agents from and against any third-party claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to your misuse of the Services, your unauthorized use or disclosure of a Credential document obtained through Document Access, or your violation of these Terms or applicable law.

16.3 TraIDCred will give you reasonable notice of any claim subject to this Section 16, and you will cooperate in the defense. TraIDCred may participate in the defense with its own counsel at its own expense, and you may not settle any claim in a manner that imposes any obligation or admission on TraIDCred without TraIDCred's prior written consent.

17. Suspension and termination

17.1TraIDCred may suspend or terminate an Account, restrict access to some or all of the Services, unpublish or restrict a Public Profile, or take other appropriate action if: (a) you violate these Terms or applicable law; (b) you submit forged, altered, fraudulent, or materially misleading information or Credentials; (c) your conduct creates a material legal, security, safety, or reputational risk to TraIDCred, the Services, or Users; (d) action is required by law, court order, regulatory requirement, or other lawful process; (e) an Account remains inactive for an extended period after notice; or (f) TraIDCred discontinues the Services or a material feature. TraIDCred may also revoke or change a verification status or Badge right as provided in Exhibit A (the Verification Terms & Standards).

17.2 Where reasonably practicable, TraIDCred will provide an affected Account holder notice of a suspension or termination and a general reason for the action. Notwithstanding the foregoing, TraIDCred may act immediately and without prior notice.

17.3 A User may close its Account at any time. Account closure will unpublish the Public Profile. The effect of cancellation, closure, suspension, or termination on subscription fees, future charges, proration, refunds, and paid access is governed by Section 10. Data associated with a closed, suspended, or terminated Account will be handled as described in the Privacy Policy and applicable law.

17.4 Suspension or termination does not relieve either party of obligations that accrued before the effective date of the suspension or termination. Provisions that by their nature should survive, including Sections 7.2, 11, 14, 15, 16, 18, 19, and 20, survive termination.

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18. Dispute resolution; governing law; arbitration; class-action waiver

18.1 These Terms are governed by the laws of the State of Utah, without regard to conflict-of-laws principles, and by the Federal Arbitration Act as to Section 18.2. Before starting an arbitration or other formal proceeding, you agree to contact TraIDCred at legal@traidcred.com with a written description of the dispute and to attempt to resolve it informally in good faith for at least thirty (30) days. This requirement does not apply to the carve-outs in Section 18.3. To the maximum extent permitted by law, you and TraIDCred each waive any right to a jury trial in any dispute arising out of or relating to the Services or these Terms.

18.2 Binding individual arbitration; class-action waiver.

(a) Agreement to arbitrate. Except for the carve-outs in Section 18.3, any dispute, claim, or controversy arising out of or relating to the Services or these Terms (a "Dispute") that is not resolved under Section 18.1 will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under the AAA rules applicable to the Dispute and in effect when the arbitration is filed. If the Dispute arises from your use of the Services primarily for personal or household purposes, the AAA Consumer Arbitration Rules will apply. If the Dispute arises from your use of the Services for business or professional purposes, including use through a Tradesperson Account, the AAA Commercial Arbitration Rules will apply. The arbitration will be decided by a single arbitrator. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

(b) Individual basis only; class-action waiver. Arbitration will proceed only on an individual basis. You and TraIDCred waive any right to bring or participate in a class, collective, consolidated, or representative action. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party's individual claim. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court under Sections 18.1 and 18.4, and the remainder of this Section 18.2 will continue to apply.

(c) Location and format. For a Dispute arising from business or professional use of the Services, the arbitration locale will be Utah County, Utah, unless the parties agree otherwise or the applicable AAA rules require a different locale. For a Dispute governed by the AAA Consumer Arbitration Rules, the location and format of the proceeding will be determined under those rules.

(d) Costs. The allocation of arbitration fees is governed by the applicable AAA rules and fee schedule. TraIDCred will not seek its attorneys' fees from you unless the arbitrator finds your claim frivolous.

(e) 30-day right to opt out. You may opt out of this arbitration and class-action-waiver provision by emailing legal@traidcred.com with your name and a clear statement that you opt out, within 30 days of first accepting these Terms. Opting out does not affect any other provision of these Terms and will not disadvantage your use of the Services.

18.3 The following are not subject to Sections 18.1 and 18.2: (a) claims that may be brought in small-claims court for disputes within that court's jurisdiction, so long as they remain individual; and (b) requests for temporary or preliminary injunctive relief to protect intellectual property or confidential information, or to address unauthorized access or misuse, which may be brought in the courts identified in Section 18.4.

18.4 Except for an eligible small-claims action under Section 18.3(a), and except where applicable law requires otherwise, any Dispute permitted to proceed in court must be brought exclusively in the state courts located in Utah County, Utah, or the United States District Court for the District of Utah, and you consent to personal jurisdiction and venue in those courts.

18.5 Nothing in this Section 18 waives any right or remedy that cannot be waived under applicable law, and non-waivable consumer rights under applicable state or federal law are unaffected.

18.6 If TraIDCred materially changes this Section 18 after you accept these Terms, you may reject the change as to accrued Disputes by notifying legal@traidcred.com within 30 days of the change.

19. Changes to the Terms

19.1 TraIDCred may modify these Terms. For material changes, TraIDCred will provide reasonable advance notice (for example, by email or in-Service notice) and, where required by applicable law, may require you to affirmatively accept the revised Terms consistent to continue to use the Services. Changes are effective on the stated effective date; continued use of the Services after the effective date of a non-material change constitutes acceptance of that change to the extent permitted by applicable law. Section 18.6 governs changes to the arbitration and class-action-waiver provisions, and Section 10 governs changes to fees and paid plans.

20. General

20.1 These Terms together with the documents incorporated by reference into them are the entire agreement between you and TraIDCred regarding the Services and supersede prior agreements on the subject.

20.2 If any provision is unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be enforced to the maximum extent permitted by applicable law.

20.3 Failure to enforce a provision is not a waiver.

20.4 You may not assign these Terms without TraIDCred's consent; TraIDCred may assign them in connection with a merger, acquisition, reorganization, sale of assets, or other transfer of all or substantially all of the business or assets to which these Terms relate.

20.5 TraIDCred is not liable for delays or failures due to causes beyond its reasonable control.

20.6 TraIDCred may provide notices to you electronically by email to an address you have provided or by notice through the Services. You may send legal notices to TraIDCred at legal@traidcred.com or by mail to TraIDCred LLC, Attn: Legal, 826 Expressway Ln Unit #688, Spanish Fork, UT 84660.

20.8 These Terms are for the sole benefit of you and TraIDCred and their permitted successors and assigns. Nothing in these Terms creates any third-party-beneficiary rights in any person or entity that is not a party to these Terms.

Exhibit A — Verification Terms & Standards

1. Scope

These Verification Terms & Standards (the “Verification Terms”) govern TraIDCred's verification program, Credential review, verification statuses, Tradesperson responsibilities, and Badge use. They are incorporated into and form part of the TraIDCred Terms of Use (the "Terms of Use") for persons bound by the Terms of Use. Reading these Verification Terms does not by itself constitute acceptance of them or the Terms of Use. Separately accepting these Verification Terms does not by itself constitute acceptance of the Terms of Use or another agreement. The other provisions of the Terms of Use, including its disclaimers, liability limitations, and dispute provisions, apply only to persons otherwise bound by them. Section references below refer to these Verification Terms unless expressly identified as references to the Terms of Use.

Capitalized terms not defined within the Verification Terms have the meanings given in the Terms.

2. Definitions

“Expired” means a previously reviewed document has passed its stated expiration date.

“Facially Valid” means appearing valid based on what is shown on the submitted document.

“Fully Verified” means a Tradesperson satisfies the contractor/trade licensure requirement in Section 4 and has Verified General Liability Insurance and Workers' Compensation Credentials, unexpired where an expiration date applies. Workers' Compensation may be supported by an exemption document under Section 5.3.

“Identity Verified” means the identity-verification and name-comparison steps in Section 7 were completed for the identified individual.

“Information Not Available” means no Credential information is available for public display for that item.

“Last-Reviewed Date” means the date TraIDCred completed the review associated with the displayed Credential status.

“Under Review” means a document has been submitted and a review decision has not been reached, whether the document is awaiting review or being reviewed.

“Verification Completion” means a Tradesperson's progress through the required steps of TraIDCred's verification process.

“Verified” means a TraIDCred reviewer completed the check described in these Verification Terms for that Credential type and determined that the submitted document met that standard as of the Last-Reviewed Date.

3. General Verification Standards

3.1 TraIDCred reviews each submitted Credential according to the standards described in these Verification Terms. Generally, TraIDCred reviews whether the document appears to be the claimed type, appears valid on its face, and, where applicable, is unexpired as of the Last-Reviewed Date. Additional checks that apply to particular types of Credentials are described below. For business licenses and certificates of insurance, automated document reading may suggest information for a TraIDCred reviewer to consider. Those suggestions are not treated as verified facts, do not determine the verification outcome, and are not publicly displayed. A TraIDCred reviewer makes the final document-review decision.

3.2 Verification is a point-in-time review, not a guarantee of authenticity, continued validity, workmanship, competence, honesty, safety, suitability, or future performance. TraIDCred does not continuously monitor underlying licenses, insurance, or certifications and may not learn of later changes. A stated expiration date does not guarantee validity until that date. Verification Completion and Fully Verified are not ratings or endorsements, and Fully Verified covers only the specified requirements. None of these checks includes a background check.

3.3 Public Credential labels are “Verified”, “Under Review”, “Expired”, and “Information Not Available.” Public Credential status information is displayed with the applicable description, Last-Reviewed Date, and any stated expiration date.

An Account may separately display workflow and status labels that do not appear on the Public Profile. At sign-up, each item displays Not Started, except that Background Check displays Not Yet Available and optional Credentials, including W-9, OSHA, and Other Credentials, display Optional. As the Account progresses, the following labels may apply:

“Not Started” means nothing has been submitted for the item. Information Added means business details or trades have been entered and is used only for non-document items. Prepared means a document has been uploaded, but review cannot begin until the Subscription is active and identity verification is complete; no reviewer has reviewed the document.

“Under Review” means a document or identity check has been submitted and is awaiting review or under review. For identity verification, this includes verification still processing at Stripe or a name match awaiting review by TraIDCred personnel.

“Pending Relationship Verification” means a license has been reviewed and found eligible, but the relationship between the business and the licensee identified in the licensing authority’s records has not yet been established.

“Verified” means review has been completed and the applicable standard has been met. For identity verification, this means Stripe verified the individual and the verified name matched.

“Expired” means the stated expiration date has passed.

“Rejected” means a reviewer declined the submission or identity verification must be completed again.

“Optional” means an optional Credential has not been submitted.

“Not Yet Available” means TraIDCred does not currently offer the applicable check, including Background Check.

The Account may also show the Public Profile as “Published” or “Not Published.” Account workflow labels, including rejected submissions and rejection reasons, are not displayed on the Public Profile. Credential files and private reviewer notes are not publicly displayed.

4. Licenses and Business Identity

4.1 TraIDCred reviews each submitted license document for its claimed jurisdiction, apparent validity, and expiration. Passing that document review does not by itself satisfy TraIDCred’s contractor/trade licensure requirement. To satisfy that requirement, TraIDCred must also determine that the license is eligible for that purpose and establish the relationship between the business and the licensee shown in the licensing authority’s records. A general business license does not, by itself, satisfy the trade-licensure requirement.

TraIDCred does not currently offer a “license not required” pathway. Accordingly, a business may be unable to satisfy TraIDCred’s platform requirement even where applicable law does not require that business to hold a trade license.

4.2 In addition to reviewing the submitted document, a reviewer consults the issuing authority’s public license lookup for the applicable jurisdiction and records the license holder name, whether the holder is a business or individual, license number, jurisdiction, issuing authority, Credential category, classifications, and any named qualifier. These fields are recorded from the public lookup by a reviewer and are not populated by automated document reading. The recorded facts support the separate licensure-eligibility and business–licensee relationship determinations. A lookup reflects what the issuing authority’s record showed when consulted; it does not establish that the license is in good standing or will remain in force.

4.3 The recorded license holder must be the business on the Public Profile or have an established relationship to it. Names that differ only in formatting may be matched automatically. A registered assumed name (DBA) or legal name change must be supported by a government business-registry record attached as evidence. A reviewer may approve another non-substantive name variation without separate evidence only if the reviewer records a written justification. A shared owner, uploader, representative, address, or qualifier does not by itself establish the relationship. An unresolved relationship does not satisfy the licensure requirement.

4.4 Where qualifier confirmation is required, the license remains pending until that process is completed. TraIDCred compares the business's information, the individual's own identity-verification result and authorization, and the qualifier named in the authority's record. Qualifier names, authorizations, identity results, and comparison results are not publicly displayed through this process. The comparison does not establish performance of legally required qualifier duties or continuation of the relationship after review, appoint a qualifier, or grant authority over the business.

4.5 Public license information may include the label, status, review and expiration dates, reviewer-recorded category, issuing authority, license number, classifications, and licensee name. If a materially different licensee name is identified, an established business/licensee relationship may be explained. A link may lead to the license record or authority's lookup service. These displays do not determine project-specific licensing requirements or establish that a representative personally holds or works under the license.

4.6 Credentials are associated with the business identity under which they were reviewed. A material business-name change requires re-review of the relationship and affected insurance information. A different business does not inherit verification. Licensure standing ends if the only eligible license expires, its verification is revoked, or it no longer satisfies the platform's requirement.

5. Insurance and Exemption Documents

5.1 TraIDCred reviews each submitted certificate of insurance or other coverage document. Each type of coverage is reviewed separately and has its own status, Last-Reviewed Date, and expiration date, even if multiple coverages appear on the same certificate. If a replacement certificate is submitted, TraIDCred re-reviews the coverage shown on that certificate. A coverage that does not appear on the replacement certificate is not treated as Verified solely because it appeared on an earlier certificate. TraIDCred does not confirm coverage with the insurer or state fund. TraIDCred also does not determine whether the coverage limits are adequate, whether exclusions apply, or whether a particular project or loss is covered.

5.2 General Liability Insurance review determines whether the document appears to evidence general liability coverage and is facially valid and unexpired as of review. It does not establish that coverage remains in force.

5.3 Workers' Compensation review determines whether the document appears to evidence coverage or an applicable lawful exemption and is facially valid and, where applicable, unexpired. A reviewed exemption may display as Verified, with the description identifying an exemption rather than insurance. Review does not determine whether all employees or subcontractors are covered, state-specific compliance, or continuing coverage or exemption status.

5.4 Commercial Auto Liability and Umbrella or Excess Liability are reviewed for the respective coverage line shown on the certificate and its apparent validity and expiration. Auto review does not determine covered vehicles, drivers, or hired/non-owned use. Umbrella or excess review does not determine which underlying policies it supplements. These are optional or situational coverages within the program; their absence is not presented as a finding of deficiency or noncompliance.

5.5 If no certificate has been submitted, TraIDCred has no information to review for that coverage. If a certificate has been submitted but does not show a particular coverage, TraIDCred may state that the submitted certificate does not evidence that coverage. This does not mean the Tradesperson does not have that coverage.

5.6 Public insurance information may include coverage type, status, review date, and listed effective and expiration dates. Reviewer-recorded limits may appear in the explanatory disclosure with a statement that coverage was not confirmed with the carrier and limits were not assessed for project adequacy. Insurer names and policy numbers are not publicly displayed. Underlying documents remain private, subject to authorized Document Access.

6. Other Credentials

6.1 For a W-9, TraIDCred checks that a document appearing to be a completed IRS Form W-9 was submitted and is on file. It does not validate tax identifiers, tax status, or compliance with the IRS. The form and tax identification information are not publicly displayed. This records check has no inherent expiration date.

6.2 For an OSHA training certificate, TraIDCred reviews whether the document appears to be an OSHA training certificate and is on file. It does not confirm authenticity with OSHA or the provider, current training or competence, or applicability to particular work. Any public status identifies a document review, not OSHA certification by TraIDCred or a safety guarantee.

6.3 Trade certifications are treated and labeled as Other Credentials. TraIDCred reviews their claimed type, apparent validity, and any stated expiration, not authenticity or standing with the issuer, scope, or equivalence across jurisdictions. Other labeled documents receive a facial review and on-file check only. Where displayed, the label and status have a Last-Reviewed Date; the file is not public. A trade certification does not itself satisfy Section 4's licensure requirement.

7. Identity Verification and Representatives

7.1 TraIDCred uses Stripe Identity, a third-party identity-verification provider, to verify the identity of certain individuals associated with a Tradesperson. Stripe collects a government-issued photo ID and selfie on Stripe-hosted pages and uses biometric technology to compare the selfie to the ID photograph. TraIDCred receives the verification status, timestamps, an error code where applicable, and, on success, the verified first and last name. TraIDCred does not receive or store the government-ID image or verification selfie. TraIDCred compares the verified name with the name of the individual being verified, using automated comparison and human review when the result is unclear.

7.2 Identity verification applies only to the individual who completed it and cannot be transferred to another person or inherited by a business. Identity verification is separately required before a business may publish a Public Profile, but it does not substitute for the Credentials required for Fully Verified. It does not establish licensing, insurance, qualifications, character, authority for a particular job, or who will perform the work.

7.3 The public representative photograph is supplied by the Tradesperson and is reviewed by TraIDCred only for suitability for public display. TraIDCred does not compare the photograph to any government ID image or selfie collected by Stripe, and approval of the photograph does not establish that the photograph depicts the identity-verified individual.

The public representative section may display the Tradesperson-supplied representative name and title together with an Identity Verified indicator once the representative has successfully completed identity verification and name matching. The representative photograph may be displayed separately once it has been approved for public display. The representative name, title, and Identity Verified indicator may remain displayed while the applicable identity-verification and name-matching requirements remain satisfied and the Public Profile remains eligible for display.

TraIDCred does not publicly display Stripe’s returned legal-name field. If the representative is replaced, the new representative must complete the applicable identity-verification and name-matching process before receiving an Identity Verified indicator. If the verification is invalidated or redacted, or any required display condition is no longer satisfied, the representative section and Identity Verified indicator may be removed.

7.4 Recording a person's certification that they are authorized to act for a business together with a verified identity does not verify the truth of that certification, the person's title or employment, or the person's actual authority. A qualifier authorization does not grant business ownership, membership, or Account authority. Identity notices, biometric releases, and qualifier authorizations are presented separately; these Verification Terms do not provide those consents or authorizations.

8. Tradesperson Responsibilities

8.1 A Tradesperson must submit genuine, accurate, and complete Credentials that lawfully pertain to its business and that it is authorized to submit. It must not present an expired, revoked, cancelled, or not-in-force Credential as current, and must promptly update, replace, or remove a Credential that expires, lapses, is revoked or cancelled, or becomes inaccurate.

8.2 The Tradesperson remains responsible for maintaining valid underlying licenses, insurance, and certifications. Submission does not satisfy, replace, or excuse obligations owed to customers, authorities, or third parties. A Tradesperson uploading a representative photograph represents that it has the rights necessary to upload and display it. TraIDCred may remove misleading, impersonating, or otherwise inappropriate photographs.

9. Review, Re-Review, and Verification Decisions

9.1 TraIDCred may request originals or additional information, require resubmission or re-verification, and re-review any Credential. It may place a Credential Under Review, decline verification, or revoke a Verified status in its reasonable discretion, including for apparent invalidity, illegibility, expiration, or inconsistency. Re-review is required upon expiration, replacement, or TraIDCred's request.

9.2 TraIDCred may, but does not undertake an obligation to, contact an issuing authority, licensing board, insurer, or certifying body where it has a reasonable basis to confirm a Credential. Except for checks expressly described here, this reserved right does not mean source confirmation occurred. Any additional source-confirmation practice will be disclosed in these Verification Terms and conducted consistent with applicable law.

9.3 TraIDCred may change verification methods, the program, Badge design, or brand guidelines. Changes to the program or methods will be reflected in these Verification Terms, with notice and acceptance where required by applicable law. For persons bound by the Terms of Use, Section 19 of the Terms of Use governs changes, Sections 9 and 17 govern Account enforcement, and Section 10 governs billing and refunds. Record retention is described in the Privacy Policy.

10. Guidance for Profile Viewers

A Public Profile assists a Profile Viewer's own decision-making; it does not replace independent due diligence. Before hiring, confirm current licensing and project-specific requirements with the applicable authority, confirm insurance with the carrier, and obtain appropriate written agreements. Read each status with its description and review and expiration dates. Confirm the identity of whoever arrives to perform the work: an Identity Verified representative is not a promise that the representative, rather than employees or subcontractors, will perform it.

11. Badge License and Use

11.1 Subject to these Verification Terms, TraIDCred grants each Tradesperson a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to display the Badge and accurately state its current TraIDCred verification status, solely to reflect that status truthfully while its Account is active and in good standing. These rules apply on the Services, the Tradesperson's materials, and third-party platforms. The Badge and TraIDCred's other trademarks remain TraIDCred's exclusive property; no other rights are granted by implication or estoppel.

11.2 A Tradesperson must not:

(a) display a Badge or status it does not currently hold;

(b) alter, distort, recolor, animate, or modify the Badge, or combine it with other marks to imply a different or higher verification level;

(c) imply that TraIDCred guarantees, certifies, endorses, warrants, or recommends the Tradesperson or its work, or guarantees current licensing or insurance; or

(d) describe verification more broadly than these Verification Terms permit, including by using "guaranteed," "certified," "endorsed," "warranted," "continuously valid," "safest," or "recommended" as a TraIDCred finding or assurance.

11.3 Verification statements should identify the particular Credential, review date, and any stated expiration date. A printed QR code leads to the current Public Profile, but a fixed statement such as "Fully Verified" may become inaccurate. The Tradesperson must not distribute or continue displaying inaccurate status statements. TraIDCred is not responsible for materials outside its control.

11.4 The license terminates automatically, without notice, if the Account closes, is suspended or terminated, or the relevant status lapses, expires, is revoked or rejected. The Tradesperson must stop using the Badge and affected statement and remove them from materials within its reasonable control.

11.5 TraIDCred may require cessation of Badge use, revoke the license, remove or disable the Badge on the Services, and pursue trademark and other remedies. For persons bound by the Terms of Use, misuse may also result in action under Sections 9 and 17 of the Terms of Use.