A. Providers

(For vendors offering services through SparklePal)

1. Introduction

These Terms apply to all Service Providers using SparklePal to sell their services.
Providers are independent contractors, not employees.

2. Provider Responsibilities

Providers agree to:

• Complete Stripe onboarding (identity verification, banking, tax info)
• Maintain proper insurance and licenses
• Provide accurate service descriptions and pricing
• Respond quickly to Customer inquiries
• Show up on time and complete services professionally

Providers must NOT:

• Share personal phone numbers or emails
• Accept payment outside SparklePal
• Upload images containing business cards, phone numbers, QR codes, or contact info
• Attempt to bypass platform fees ("off-platform fraud")
• Misrepresent skills or qualifications

Violations can lead to suspension or account removal.

3. Payouts

After service completion:
- Payment is captured
- Platform deducts:

Platform fee: 10%
Processing fee: ~4% (Stripe / payout fees)

- Remaining balance is paid to Provider’s bank account via Stripe

Payouts typically occur 24 hours after service completion.

Providers understand that:

• Stripe may deduct additional micro-fees
• Payout timelines depend on Stripe and banking systems

4. Cancellations

Providers should avoid cancellations. Excessive cancellations may lead to:

• Lower visibility
• Penalties
• Account suspension

If Providers must cancel:

• They must notify the customer through the platform
• SparklePal may automatically refund the customer

5. Disputes

If a Customer files a dispute:

• Provider must cooperate
• Provide photo evidence
• Provide before/after proof when possible

SparklePal may:

• Withhold payouts
• Issue partial refunds
• Remove Provider after repeated issues

6. Reviews

Customers can leave:

• Star ratings
• Written reviews

Providers can also rate Customers.

SparklePal may:

• Remove fake, abusive, or misleading reviews
• Modify or reject reviews violating policies

Provider ratings affect:

• Visibility
• Customer trust
• Job volume

7. Use of Photos & Profiles

Providers may upload:

• Work photos
• Logos
• Profile pictures

They may NOT upload:

• Phone numbers
• Emails
• Website URLs
• Watermarks intended to bypass platform rules

SparklePal may remove content that violates policies.

8. Taxes

Providers are responsible for:

• Their own income taxes
• Reporting earnings
• Maintaining required business registrations

If SparklePal uses Stripe Tax:

• Sales tax may be collected at checkout
• Stripe may remit taxes automatically
• Providers may receive reports for their records

9. Liability

Providers agree:

• They are responsible for their workmanship
• They are liable for damages they cause
• SparklePal is not responsible for injuries or damages on job sites

Total liability of SparklePal is limited to the platform fee earned from the disputed job.

B. Commercial Buyers

(For businesses booking services through SparklePal)

1. Introduction

These Terms & Conditions govern the use of SparklePal by business customers (“Commercial Buyers”). By creating an account, booking a service, or making a payment, you agree to these Terms.
SparklePal is a marketplace, not the service provider.

2. Booking & Service Expectations

Commercial Buyers agree to:

• Provide accurate business information.
• Give access to the job site at the scheduled time.
• Provide any special instructions prior to the appointment.
• Ensure that the environment is safe for Providers.

Service pricing may vary based on:

• Building size
• Window access
• Safety requirements
• Industry regulations

Providers must approve all commercial bookings before they are final.

3. Payment Terms

All payments are processed through Stripe.

You authorize SparklePal to:

• Place an authorization hold for the full booking cost.
• Capture funds once the job is completed or auto-confirmed.

Fee Breakdown

• Service Cost (provider sets this)
• Platform Fee – 10%
• Processing Fee – approx. 4%
• Total Fees – approx. 14% of service cost
• Taxes applied based on state laws

Invoices and receipts can be downloaded for corporate accounting.

4. Cancellations & Rescheduling

• Cancel before provider confirmation → Free
• After provider confirmation → provider may charge a cancellation fee
• If access is denied at arrival → may be treated as completed service

5. Disputes & Quality Claims

Commercial Buyers must:

• File any complaint within 48 hours of job completion
• Provide photo/video evidence of issues
• Give Providers an opportunity to fix the problem when possible

SparklePal may:

• Issue full or partial refunds
• Deduct or withhold payout to the Provider
• Suspend Providers with repeated complaints

6. Prohibited Actions

Commercial Buyers may NOT:

• Hire or solicit Providers outside SparklePal
• Ask for personal phone numbers or emails
• Share sensitive client/customer data with providers
• Upload images containing business contact info for bypassing the platform

7. Liability

Commercial Buyers acknowledge:

• SparklePal is not liable for damages caused by Providers.
• Providers are independent contractors.
• Providers should follow safety and industry standards.

Liability is limited to the total amount paid for the booking in dispute.

C. Residential Buyers

(For homeowners or renters booking services)

1. Introduction

These Terms apply to all Residential Buyers who book home services through SparklePal.

2. Booking Rules

Residential Buyers agree to:

• Enter accurate home address information.
• Provide safe entry to the property.
• Restrain pets during service for safety.
• Disclose hazards (e.g., broken glass, unsafe ladders, mold).

3. Payment Terms

Residential Buyers authorize SparklePal to:

• Place an authorization hold for the booking total.
• Capture payment once the Provider marks the job complete or after auto-confirmation.

Fee Breakdown

• Platform Fee: 10%
• Processing Fee: ~4%
• Taxes: based on local/state laws

Residential customers see total fees before final checkout.

4. Cancellation & Refunds

• Before provider confirmation → Free
• After provider confirmation → Possible cancellation fee set by provider
• If the provider arrives and cannot access the home → may be charged full or partial fee

5. Disputes

You must report service issues within 48 hours of completion with:

• Photos
• Explanation of issue
• Any missing or incomplete areas

SparklePal will:

• Review evidence
• Contact the provider
• Decide on refunds or adjustments

SparklePal decisions are final.

6. Communication Rules

Residential Buyers may NOT:

• Send personal contact information through chat
• Attempt to bypass bookings through side deals
• Upload photos containing business cards, logos, or personal identifiers

Chat may mask or block emails/phone numbers automatically.

7. Safety & Responsibilities

Residential Buyers are responsible for:

• Providing a safe environment
• Notifying providers of fragile items
• Not requesting unsafe tasks (e.g., climbing on unstable structures)

8. Liability

SparklePal is not liable for:

• Damages caused by the Provider
• Injuries caused by unsafe home environments
• Delays or cancellations related to Provider availability

Total liability is limited to the amount paid for the service in dispute.