Terms of Service

Welcome to Fabric. By using our website and services, you agree to be bound by these Terms of Service. Please read them carefully.

1. Account Terms

• You must be a human. Accounts registered by "bots" or other automated methods are not permitted.
• You must be at least 18 years old to use this Service.
• You must provide your legal full name, a valid email address, and any other information requested in order to complete the signup process.
• You are responsible for maintaining the security of your account and password. Fabric cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.
• You are responsible for all Content posted and activity that occurs under your account.
• One person or legal entity may not maintain more than one free account.

2. Acceptable Use

You agree not to use the Service to:

• Upload, post, or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
• Impersonate any person or entity or misrepresent your affiliation
• Engage in any form of fraud, including posting false bids or projects
• Violate any applicable local, state, national, or international law
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Attempt to gain unauthorized access to any portion of the Service
• Use the Service to spam, phish, or harvest user information

3. Payment & Escrow Services

These terms govern how our payment and escrow services function.

Platform Role

Fabric acts as a technology platform facilitating payments between General Contractors and Subcontractors. We are not a bank. All funds are held by our regulated banking partners in FBO (For Benefit Of) accounts.

Payment Authorization

By using our payment services, you authorize Fabric to instruct our banking partners to release funds when specific conditions (such as a signed lien waiver) are met within the platform. This authorization is irrevocable once the transaction is initiated.

Fees

Fabric charges subscription fees and transaction fees as outlined in our Pricing page. All fees are non-refundable except as required by law or as explicitly stated in your subscription agreement.

Disputed Payments

In the event of a payment dispute, Fabric may place funds in escrow pending resolution. We are not responsible for resolving disputes between parties but may provide mediation services at our discretion.

4. Intellectual Property

These are the terms regarding content ownership and intellectual property rights.

Your Content

You retain all rights to the content you upload to Fabric (project specifications, contracts, photos, etc.). By uploading content, you grant Fabric a worldwide, non-exclusive, royalty-free license to use, store, and display your content for the purpose of providing the Service.

Fabric's IP

The Service and its original content, features, and functionality are owned by Fabric and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

5. Warranties & Disclaimers

Important information about the warranties we provide and disclosures you should be aware of.

Legal Compliance

While we automate statutory lien waiver forms, we do not provide legal advice. You should consult with an attorney for specific legal questions regarding your construction projects.

Service Availability

We strive for 99.9% uptime but do not guarantee uninterrupted access. The Service is provided "as is" without warranty of any kind.

User Verification

While we verify contractor licenses and insurance, we do not guarantee the quality of work or the reliability of any user. You are responsible for conducting your own due diligence.

6. Limitation of Liability

To the maximum extent permitted by law, Fabric shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

Our total liability shall not exceed the amount you paid us in the twelve (12) months before the event giving rise to the liability.

7. Cancellation and Termination

Your Rights

You are solely responsible for properly canceling your account. You can cancel your account at any time by clicking on the Account link in the global navigation bar at the top of the screen and following the cancellation process.

Our Rights

We reserve the right to suspend or terminate your account at our discretion, with or without notice, for violations of these Terms or for any other reason we deem necessary to protect the Service and other users.

Effect of Termination

Upon termination, your right to use the Service will immediately cease. We will retain your data for 30 days to allow for reactivation or data export, after which it will be permanently deleted (subject to legal retention requirements for financial records).

8. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Miami-Dade County, Florida.

9. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email or through a prominent notice in the application at least 30 days before the changes take effect.

Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.