Platform Role

Home Harbor operates as a technology platform that connects homeowners with independent service providers ("Providers"). Home Harbor does not itself provide home repair, maintenance, or improvement services. All services are performed by independent contractors who are not employees, agents, or representatives of Home Harbor.

Independent Contractor Status

You acknowledge and agree that:

Service providers on Home Harbor are independent contractors, not employees of Home Harbor.
Home Harbor does not supervise, direct, or control the manner in which providers perform their services.
Home Harbor is not responsible for the quality, safety, legality, or any other aspect of the services provided.
Providers are solely responsible for their own tools, equipment, supplies, licenses, and insurance.

Assumption of Risk

By booking a service through Home Harbor, you acknowledge that there are inherent risks associated with allowing service professionals into your home and having work performed on your property. While Home Harbor takes measures to vet providers (including background checks and insurance verification for verified and premium providers), you understand that:

No background check or vetting process can guarantee the future conduct of any individual.
Property damage, delays, or unsatisfactory work may occur despite best efforts.
You are responsible for securing valuables and taking reasonable precautions before a service appointment.

Insurance & Protection

Home Harbor offers several layers of protection for homeowners:

Provider Insurance: Verified and premium providers are required to carry a minimum of $1,000,000 in general liability insurance.
Payment-Hold Protection (Tier 3): For milestone-based projects, funds are held by Stripe on a delayed-payout schedule and released only upon your approval of completed work — Home Harbor never takes custody of your funds.
Dispute Resolution: Our dispute resolution process helps address issues including quality concerns, no-shows, and scope disagreements.
Safety Reporting: You can file safety reports at any time for urgent concerns.

Limitation of Liability

To the maximum extent permitted by applicable law, Home Harbor 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:

Services performed or not performed by providers.
Property damage caused by providers or their tools/equipment.
Personal injury occurring during a service appointment.
Any unauthorized access to or alteration of your property.

How to Report Issues

If you experience property damage, safety concerns, or unsatisfactory service:

File a dispute through your booking detail page within 48 hours of service completion.
File a safety report for urgent safety concerns — available from any booking page.
Contact support at support@homeharbor.app for assistance.

By checking "I acknowledge the Liability Waiver" during booking, you confirm that you have read, understood, and agree to this liability acknowledgment. This waiver is effective for all bookings made through Home Harbor and is subject to the full Terms of Service.