TNFR + Contractor Terms of Service

Version: 2026-10-v7 · Effective date: October 19, 2026

1. Acceptance and definitions

By checking "I agree to the Terms" or by using TNFR + to accept payments, you agree to these Terms on behalf of your business. You confirm you are authorized to bind that business, and that you and each of your users are at least 18 years old.

• TNFR, we, us: The New Flat Rate, Inc., Dalton, Georgia.
• Contractor, you: the business that creates a TNFR + account, and its authorized users.
• Customer: the homeowner or other person whose information you enter into the Service, or who pays you through it.
• Platform Fee: the fee TNFR charges on each payment processed through TNFR +, described in Section 3. It is separate from, and in addition to, Stripe's processing fees.
• Stripe: Stripe, Inc. and its affiliates, the payment processor.
• Service: the TNFR + app includes price book presentation, invoice, and payment features.

2. Payment processing

Payments in TNFR + are processed by Stripe. To accept payments, you connect your own Stripe account to TNFR + and complete Stripe's verification. You manage that account, including payouts and disputes, in your Stripe dashboard.

• You also agree to the Stripe Connected Account Agreement, which includes the Stripe Services Agreement. TNFR is not a party to your agreement with Stripe.
• Each payment is created directly on your Stripe account, and you are the merchant of record. Stripe charges you its processing fees directly, TNFR's Platform Fee is collected from the payment as an application fee, and Stripe pays the balance to your bank account on your Stripe payout schedule. Stripe, not TNFR, holds the funds and makes payouts.
• You authorize TNFR to collect its Platform Fee from each payment, as an application fee, before Stripe pays you.
• TNFR may share your business and payment information with Stripe as needed to provide the Service.
• Identity verification. When you connect Stripe, Stripe collects the identity and tax details it requires, such as your Social Security number or EIN, on a page hosted by Stripe. TNFR + does not collect or store those numbers. Stripe handles them under its own terms and privacy policy.
• Card and bank data. Card and bank account numbers go directly to Stripe. TNFR receives only a token, the card brand, the last four digits, and the payment status. Stripe also processes this data under its own privacy policy.
• Stripe may delay, hold, or refuse payouts under its own policies. TNFR does not control those decisions.

3. Platform Fee

TNFR charges a Platform Fee of 0.25% + $0.30 on each successful payment, by card or bank transfer (ACH). This is separate from, and in addition to, the fees Stripe charges you. Stripe sets its own fees and bills them to you directly under your Stripe agreement.

Example on a $400 card payment: the Customer pays $400.00. Stripe charges you about $11.90 (its current standard rate of 2.9% + $0.30), TNFR's Platform Fee is $1.30 (0.25% + $0.30), and you receive about $386.80. Stripe's fee depends on Stripe's pricing for your account and the type of card.

• The Platform Fee applies to card and ACH payments collected through TNFR +, including deposits, down payments, and partial payments. The fee is calculated on the total amount charged, including any sales tax. Tips are excluded: no fee is charged on a tip. The fee does not apply to amounts funded by a financing partner, which are covered by that partner's separate agreement.
• TNFR may set a different rate for your account in a written agreement, such as a pilot or volume rate. That rate controls where it conflicts with this Section.
• TNFR will give at least 30 days' notice before changing its fees. Changes are never applied to payments made before the effective date.
• You are responsible for any taxes on amounts you receive.

How fees appear in your records. TNFR + reports each payment at its gross amount with Stripe's fee and TNFR's Platform Fee shown as two separate deductions, so your accounting software shows full revenue and both fees as expenses.

4. Refunds

You decide whether to refund a customer, and you are responsible for the refund amount.

• Fees on refunds. When you refund all or part of a payment, TNFR keeps its full Platform Fee on that payment. Stripe does not currently return its processing fees on refunds.
• If your Stripe balance cannot cover a refund, Stripe may debit your bank account under its own terms.

5. Disputes and chargebacks

A chargeback happens when a customer disputes a payment with their card issuer or bank. Stripe manages the dispute process, and you decide in your Stripe dashboard whether to contest a dispute.

• You are responsible for responding to disputes and providing evidence, such as signed estimates, invoices, photos, and completion records. TNFR + may help you assemble these records.
• If you lose a dispute, Stripe withdraws the disputed amount from your Stripe balance and TNFR keeps its Platform Fee on that payment, on the same rule as refunds.
• If you win a dispute, the funds are returned to you, and the Platform Fee stands.
• Stripe charges you its dispute fees directly under your Stripe agreement. TNFR does not charge a separate dispute fee.
• If your Stripe balance becomes negative from refunds, disputes, or fees, Stripe handles it with you under its own terms.
• TNFR may suspend payment features for accounts with excessive disputes or suspected fraud.

6. Your responsibilities

• You are the seller of your services. Your contract with the Customer is between you and the Customer, not TNFR.
• You set your own prices, including prices drawn from the TNFR price book, and you are responsible for the work performed.
• You will hold any licenses, permits, and insurance your trade and location require.
• You will clearly disclose your prices, refund policy, and any fees to Customers before they pay. If you add a surcharge or convenience fee for card payments, you are solely responsible for complying with state law and card-network rules, including any cap, notice, and registration requirements. TNFR + does not add surcharges on your behalf.
• You are responsible for the actions of your staff and technicians who use your account.
• You will not use the Service for illegal activity, fraud, or businesses prohibited by Stripe.
• Each person must use their own login. Shared logins are not permitted. You are responsible for keeping login credentials secure and for all activity under your account. Tell TNFR promptly if you believe your account has been compromised.
• You will provide accurate business information to TNFR, and to Stripe for bank account and tax details, and keep it current. TNFR does not collect your bank account or tax identification numbers.

7. Data and records

• Acceptance record. When you accept these Terms, TNFR records the Terms version, the date and time, the user who accepted, your business, and the IP address used. TNFR keeps this record for the life of the account plus 7 years, as proof of agreement.
• Your data. You own your customer lists, job records, and pricing you enter. You grant TNFR a license to host and process that data to provide the Service.
• TNFR content. The TNFR price book, pricing formulas, and app remain TNFR's property. Your use is licensed only while your account is active and during the 30-day read-only period after it closes, so you can export your records.
• Privacy. TNFR handles personal information as described in its Privacy Policy. You are responsible for having the right to share your customers’ information with the Service.
• Technician location. If a technician turns on location sharing with dispatch, TNFR + records the exact GPS location of that technician's phone and makes it available to your account's dispatch users. The location is not rounded or approximated. You are responsible for telling your technicians what is shared, with whom, and when, and for getting any consent that applicable law requires before they use this feature.
• Rate changes to your account. Only TNFR's designated administrators may set a custom rate for your account. Each change is logged with the date, the administrator, and the reason, takes effect only for payments after its effective date, and is confirmed to you in writing.

7A. Customer Data and Privacy Law

• (a) Roles. "Customer Data" means personal information about your customers, staff and technicians that you or your users enter into, or generate through, the Service. For Customer Data, you are the business and TNFR is your service provider under California Civil Code §1798.140(ag), and your processor under other state privacy laws that use that term.
• (b) Purposes. TNFR processes Customer Data only to provide the Service to you: hosting and storing your records; scheduling and dispatch; estimates, invoices and the customer portal; payment processing through Stripe; email and text messages you send through the Service; support; security, fraud prevention and debugging; and as required by law.
• (c) Restrictions. TNFR will not (1) sell or share Customer Data; (2) retain, use or disclose Customer Data for any purpose other than those in (b), including any other commercial purpose, or outside its direct business relationship with you; or (3) combine Customer Data with personal information it receives from or on behalf of anyone else, or collects from its own interactions with a person, except as the law permits a service provider to do.
• (d) Compliance. TNFR will comply with the obligations that apply to it under the California Consumer Privacy Act (CCPA) and give Customer Data the level of privacy protection the CCPA requires. TNFR will tell you within [10] business days if it determines it can no longer meet these obligations.
• (e) Your rights. You may take reasonable steps to make sure TNFR uses Customer Data consistently with your obligations under privacy law and, on written notice, to stop and remediate any unauthorized use.
• (f) Requests from individuals. If TNFR receives a privacy request about Customer Data, it will forward the request to you and will not respond on its own, except to say it has forwarded the request. TNFR will give you tools in the Service to delete, export and correct a customer's records, and reasonable help to respond. You are responsible for responding and for giving your customers and staff any notice the law requires.
• (g) Sub processors. TNFR may use sub processors to provide the Service, including Stripe, hosting, and email and text providers, under written contracts that impose the same restrictions. TNFR lists them at [URL].
• (h) Technician location. TNFR uses technician location only to show it to your dispatch users while sharing is on, and for no other purpose. TNFR deletes raw location points after 30 days.
• (i) Security and breaches. TNFR maintains reasonable security procedures and practices appropriate to the nature of Customer Data. TNFR will notify you without unreasonable delay after discovering a breach of the security of Customer Data.
• (j) Deidentified data. TNFR may create deidentified, aggregated data from Customer Data to improve the Service and its price book. TNFR will keep that data deidentified, will not attempt to reidentify it, and will contractually require anyone it shares it with to do the same. This does not permit TNFR to sell or license that data to third parties.

8. Changes, termination, and general terms

• Changes to these Terms. Each version has a label (for example, 2026-09-v1). For material changes, TNFR will notify you at least [30] days in advance and ask you to accept the new version before continuing to accept payments.
• Termination. You may close your account at any time. TNFR may suspend or close accounts for breach, fraud, excessive disputes, or non-payment, with notice where practical. Fees, refund, and dispute obligations for past payments survive termination. Sections 7 and 7A, and the account-closure terms below, survive until deletion is complete.
• Closing your account. When you close your account, or TNFR closes it for non-payment, your account becomes read-only for 30 days. During that time you can export your records, including invoices and estimates that contain TNFR price-book prices, or reopen your account. TNFR will send reminders to the email address on your account during that period. After 30 days, TNFR permanently deletes your account and Customer Data. You are responsible for keeping any records you need for tax or legal purposes after that date. TNFR keeps only its own billing records, its records of your Stripe connected account, the acceptance record described in Section 7, and security and privacy-request logs, each for the period stated in the Privacy Policy. Deidentified, aggregated data created before closure is not affected.
• Disclaimer. The Service is provided "as is." TNFR does not guarantee uninterrupted availability or that Stripe will process any given payment.
• Limitation of liability. TO THE FULLEST EXTENT PERMITTED BY LAW: (A) TNFR WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, EVEN IF TNFR WAS TOLD SUCH DAMAGES WERE POSSIBLE; AND (B) TNFR'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (1) THE FEES YOU PAID TNFR IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (2) $100. TNFR is not responsible for the acts or decisions of Stripe, financing partners, or other third-party services, including payout holds, declined or reversed payments, and credit decisions. These limits apply under every legal theory, including contract, tort (including negligence), and statute. They do not limit your obligation to pay fees, negative balances, or amounts owed under the Indemnity clause, and they do not apply to liability that the law does not allow to be limited.
• Indemnity. You will defend, indemnify, and hold harmless TNFR and its officers, directors, employees, and agents from and against any third-party claim, and any resulting loss, damage, liability, fine, penalty, cost, or expense (including reasonable attorneys' fees), arising out of or relating to: (a) the services you perform and your dealings with Customers, including workmanship, property damage, personal injury, warranties, pricing, refunds, and financing you offer; (b) your breach of these Terms or of your agreement with Stripe; (c) your violation of any law, including licensing, consumer-protection, surcharging, tax, and employee notice or consent laws (including for technician location sharing); (d) data you submit to the Service, including your right to share Customer information; and (e) the acts or omissions of your staff and technicians. TNFR will notify you promptly of any claim and cooperate in its defense at your expense. TNFR may take part in the defense with its own counsel at its own cost. You may not settle any claim in a way that admits fault by TNFR or imposes an obligation on TNFR without TNFR's written consent.
• Governing law and venue. These Terms, and any dispute arising out of or relating to them or the Service, are governed by the laws of the State of Georgia, without regard to its conflict-of-laws rules. The Federal Arbitration Act governs the Dispute resolution clause. For any claim that is not arbitrated under that clause, you and TNFR agree to the exclusive jurisdiction of the state courts located in Whitfield County, Georgia, and the United States District Court for the Northern District of Georgia.
• Entire agreement. These Terms, any written rate agreement, and the Privacy Policy are the full agreement on this subject.
• Support and notices. TNFR sends notices to the email address on your account. You send notices to info@plus.thenewflatrate.com. Questions about payment processing, including payouts, instant payouts, verification and disputes, are handled by Stripe through your Stripe dashboard. TNFR handles questions about the app and the Platform Fee.
• Financing partners. Where a customer chooses financing from a partner offered in TNFR +, the Customer applies, is approved, and accepts the financing entirely on the partner's own website, not in TNFR +. TNFR + does not receive or store the application, any credit report or score, the credit decision, or the financed amount. TNFR does not submit or share applications and does not score or pre-qualify homeowners. It only marks the related invoice as financed. That status is a record-keeping label: it does not mean the partner has paid you, and funding of the financed amount is between you and the partner. The partner's agreements govern the financing, and TNFR does not make credit decisions. These Terms govern only amounts paid directly through TNFR +, such as deposits.
• Dispute resolution. PLEASE READ THIS CAREFULLY. IT REQUIRES YOU AND TNFR TO RESOLVE MOST DISPUTES BY INDIVIDUAL BINDING ARBITRATION INSTEAD OF IN COURT, AND IT WAIVES YOUR RIGHT TO TAKE PART IN A CLASS ACTION.
  • Talk first. Before starting arbitration, the party with the dispute must send a written notice describing the claim and the relief requested, to TNFR at info@plus.thenewflatrate.com or to you at the email address on your account. Both parties will try in good faith to resolve it within 30 days of the notice.
  • Binding arbitration. If the dispute is not resolved within 30 days, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, before a single arbitrator. The arbitrator decides any question about whether a claim must be arbitrated, except that a court decides any question about the Class-action waiver. The place of arbitration is Whitfield County, Georgia. Hearings may be held by video and claims under $25,000 will be decided on written submissions unless the arbitrator orders a hearing. Judgment on the award may be entered in any court with jurisdiction.
  • Exceptions. Either party may bring an individual claim in small-claims court if it qualifies. Either party may ask a court to stop the unauthorized use of its intellectual property or misuse of the Service.
  • Class-action waiver. YOU AND TNFR MAY BRING CLAIMS ONLY ON AN INDIVIDUAL BASIS, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not combine more than one party's claims or award relief on a class-wide basis. If this waiver is found unenforceable for any claim, that claim, and only that claim, must be brought in court under the Governing law and venue clause and not in arbitration.
  • Costs. Filing and arbitrator fees are paid as the AAA rules provide. Each party pays its own attorneys' fees and costs unless the arbitrator awards them under applicable law or the AAA rules.
  • Survival. This clause survives the closing of your account and the end of these Terms.
  • Privacy rights. Nothing in this section waives or limits any right that cannot be waived under applicable privacy law, including the CCPA