Customer Terms — Associations and Businesses

CB-1. These terms

CB-1.1 Who they apply to. These Customer Terms for Associations and Businesses apply when an organization (a "Commercial Customer") asks for, approves, or pays for Trade Work through the Platform. A Commercial Customer may be: (a) a condominium, cooperative or homeowners' association; (b) a community association manager or management firm acting for an association or a property owner; (c) any other business, nonprofit or public body buying for business or common-area purposes.

CB-1.2 Relationship to other terms. These terms add to the Master Platform Terms, the US Schedule and the state addendum for the job site. An individual buying for their own home uses the Customer Terms for Homeowners, even if they also serve on a board or work for a manager. A manager who orders work inside one owner's unit acts for that owner; if the owner is an individual, the Customer Terms for Homeowners apply to that owner, and the Company may ask for proof of authority. Work ordered by an association that benefits one unit is bought by the association under these terms.

CB-1.3 Managers act for a principal. A manager or management firm acting for an association or owner sets up the account in the name of that principal (the "Principal"). The Principal is the Commercial Customer and is bound by Quotes approved under CB-3. The manager confirms its authority under CB-2 and follows these terms as the Principal's agent.

CB-1.4 Becoming a Commercial Customer. An organization is treated as commercial after it self-declares and the Company checks a document (in Florida, the Sunbiz record, and a tax ID). A single-member LLC buyer is commercial. The Company never treats an individual as commercial on self-declaration alone; when unclear, the Customer Terms for Homeowners apply.

CB-1.5 Direct Requests and software. A person with authority for the organization (or software the organization has authorized, a "Customer Agent", set up under CB-3.5) may describe the work needed and its general area, as a Request that a Referrer passed on or as a Direct Request that came to the Platform without a referral. A Direct Request goes through the same rules as any other: eligible Contractors may see a summary with the general area only, and the organization chooses. No Referral Share is paid on a Direct Request.

CB-1.5A How many Contractors contact you. We start with one Contractor. If that Contractor does not respond in time, or we have little track record for them on the Platform, we may add a second, and a third only if needed to keep the Job. We add a Contractor only with the organization's yes, and during the pilot a person on our team approves each one. We never offer a Request to more than three Contractors (Master Platform Terms, section M-6.6A; Customer Terms for Homeowners, section C-2.3A). The Referral Share, if any, applies to whichever Contractor is hired.

CB-1.5B Contact through HammerConnect. Nobody gets anyone's direct phone number or email address. Users and Contractors text, call and email only through HammerConnect relay numbers and addresses, and calls are not recorded (Master Platform Terms, section M-11.2, M-11.2A; Customer Terms for Homeowners, section C-4). The exact Job address goes to the Contractor the organization books, for that Job.

CB-2. Authority to bind

CB-2.1 Authorized Representative. The person who sets up the organization account (the "Authorized Representative") confirms that: (a) the organization exists and is in good standing; (b) they are authorized to accept these terms for it; and (c) the roles they assign under CB-3 match the organization's internal approval rules (for an association, its governing documents and board decisions; for a manager, its management agreement).

CB-2.2 Evidence. The Company may ask for, and the Authorized Representative will provide on request: the organization's legal name and registration (in Florida, the Sunbiz record); for an association, a board resolution or minutes naming who may approve contracts and payments; for a manager, the relevant part of the management agreement or a signed authority letter from the Principal; and a Form W-9 if the organization will receive any payment (CB-9.4).

CB-2.3 Reliance. The Company and Contractors may rely on an approval or payment made in the Platform by a user holding the needed role, until the organization changes the role in the Platform. The organization is responsible for keeping roles current, including when board members or managers change.

CB-2.4 Warranty of authority. A person who approves a Quote or payment without authority is responsible to the Company and the Contractor for losses caused by that lack of authority, to the extent the law allows.

CB-2.5 How you accept. The Authorized Representative accepts by tapping Agree and continue on a screen that names the Master Platform Terms, these terms (including the court forum in CB-14 and any jury waiver in CB-14.3) and the authority statement in CB-2.1, with links underlined in a contrasting color. We record the time, the version of the terms, the language and the screen shown (Master Platform Terms, section M-4.8).

CB-3. Users and roles

CB-3.1 Roles. An organization account may have several users. Each user has one or more roles:

CB-3.2 Approval limits. The Admin sets a dollar limit for each Approver. A Quote above every Approver's limit needs approval by a second Approver or an Admin. The Platform records who approved what and when.

CB-3.3 Each user is a person. Each user signs in with their own phone or email and accepts the Master Platform Terms for their own use. Users may not share logins.

CB-3.4 Users' messaging consent is their own. A user's consent to receive texts is given by that user for their own phone (CB-12.3). The Admin cannot consent for other users or for residents.

CB-3.5 Using an agent. A person with authority for the organization must set up and approve any Customer Agent. The organization is bound by acceptances made through it (Master Platform Terms, section M-21.3). The board or manager approvals your governing documents require (for example for contracts over a statutory threshold) are your responsibility and cannot be satisfied by an agent unless your governing documents allow it. We require a person with the Approver role to confirm the first acceptance made through a Customer Agent and any Proposal above the amount shown in the Platform.

CB-4. Vendor approval and documents

CB-4.1 Your vendor rules. If your organization requires vendor approval (for example a current certificate of insurance naming the association or manager as additional insured, a Form W-9, a license copy, or a signed vendor agreement), you may list those requirements in the Platform. Every Contractor must in any case carry general liability and workers' compensation insurance (or an exemption) and give a certificate of insurance that shows Terragroupe, LLC d/b/a HammerConnect as certificate holder (Contractor Terms, section P-3.3). HammerConnect is not named as an additional insured. If your organization requires it, the Contractor names your organization (and, if you ask, your manager) as an additional insured; that is between you, the Contractor and the Contractor's insurer. Contractors who respond to your Request see your requirements and upload the documents.

CB-4.2 Documents through the Platform. Contractors share their license, certificate of insurance, general liability policy evidence, workers' compensation insurance or exemption, and Form W-9 through the Platform (Contractor Terms, section P-3.3). You may download them for your vendor file. You will use a Contractor's documents (especially a Form W-9, which contains a taxpayer number) only for vendor approval and tax reporting, and keep them secure.

CB-4.3 What our checks mean. The Company's checks mean only what Master Platform Terms, section M-6.4 says, on the date shown. Your organization remains responsible for its own vendor approval, procurement and bidding rules (for example, any competitive-bid requirement in the law or your governing documents). In Florida, a condominium association generally must obtain competitive bids where a contract exceeds 5% of its total annual budget including reserves, with exceptions (s. 718.3026). HammerConnect does not run your bidding or advise on it; a Quote sent through the Platform is one bid you may weigh and export.

CB-4.4 Your own contract terms. If you need the Contractor to sign your own vendor agreement, that agreement is between you and the Contractor. It does not change how payment works through the Platform, the Platform Fee, or the Company's role.

CB-4.5 Study-related work. If a Quote is for repair or replacement work recommended in a structural integrity reserve study or milestone inspection, the Contractor states whether it has any interest, direct or indirect, in the firm that performed the study or inspection, or is related (within the third degree of blood or marriage) to a person with such an interest, and gives the association that disclosure in writing; a Contractor that also bid to perform the study states that it intends to bid on related repair work (ss. 718.112(2)(g)3.b., 719.106(1)(k)3.b., 553.899(12); ch. 2025-175). A contract without the disclosure is voidable at the association's written election.

CB-5. Quotes, purchase orders and invoices

CB-5.1 Contract with the Contractor. When an Approver accepts a Quote, the organization makes a contract for the Trade Work with the Contractor, not with HammerConnect. The Contractor is responsible for the work, permits, licenses, insurance, its workers and its warranty (as in Customer Terms for Homeowners, section C-3).

CB-5.2 Purchase order and references. You may add a purchase order number, work-order number, building or unit reference, and cost code to a Quote. They appear on the invoice.

CB-5.3 Invoices. The Contractor issues each invoice through the Platform, in its own name, showing its license number, the work, the amount, any sales tax, and your references. The Contractor decides whether sales tax applies and charges it; the Platform does not override that. For common-area work at residential condominiums, check with your accountant whether tax applies.

CB-5.4 Change orders. Changes to price or scope are made by a change order accepted in the Platform by an Approver within its limit.

CB-5.5 Insurance-claim work. Tell us if the work will be paid in whole or in part from a property insurance claim. During the pilot the Platform does not accept those Requests (Master Platform Terms, section M-6.7); no Referral Share is paid on them.

CB-5.6 Florida notices in the Quote. For work on residential real property (including a residential condominium, and including common elements) above $2,500 in labor and materials, the Quote carries the recovery fund statement in the statutory words (s. 489.1425) and the Chapter 558 sentence; for a building of up to four units it also carries the lien notice (s. 713.015, included as a precaution for larger buildings). The Platform adds them to the Quote template, and the Contractor confirms they are included.

CB-5.7 Proposals. A Proposal is an offer from the Contractor, in the Contractor's name, with its license number, price and scope. A Quote is a Proposal. A Contractor may use software to help write it, and an assistant may help you compare Proposals. A tool may be wrong. The Contractor, not HammerConnect, is responsible for what the Proposal says. HammerConnect does not set or approve the price. If a Proposal was written with AI, the Contractor must mark it and we show the mark.

CB-6. Payment

CB-6.1 Through the Platform. You pay for Jobs through HammerConnect on Stripe. You will not pay a Contractor outside the Platform for a Job introduced through it.

CB-6.2 Bank debit first. The default method is bank debit from the organization's business account (Stripe ACH Direct Debit). Card payments are also accepted. You pay no fee to HammerConnect. The Contractor bears card and bank-debit processing costs (Contractor Terms, section P-6.4). Contractors set their prices and may include their business costs in them, but may not add a surcharge or convenience fee for any payment method (credit card, debit card, bank debit or other) through the Platform (Master Platform Terms, section M-12.6; Company rule). Florida law separately bans credit-card surcharges (s. 501.0117).

CB-6.3 Debit authorization. A Payer authorizes each bank debit on the Stripe-hosted authorization screen. The screen names the Contractor you are paying, the organization, the account and the amount. The authorization records the name of the account holder, which must match the name on the bank account being debited. HammerConnect collects the payment as the Contractor's agent. No standing authorization is used at launch. If a saved bank account can be used for other Contractors on HammerConnect, the screen says so. A Payer may remove a saved bank account in the Platform; removal does not cancel amounts already due. You confirm that the person authorizing is allowed to bind the organization, and the Company accepts the authorization only from a user with the Payer role who has attested authority.

CB-6.4 Payment terms: pay at completion by default; negotiated terms allowed. Unless the accepted Quote says otherwise, each invoice is due when the Contractor marks the Job complete or on a later date stated in the Quote that is no more than 30 days after completion. The Contractor and the organization may agree in the Quote to a different schedule, including a deposit and milestone payments of any amount the law allows for that work. Each scheduled payment is shown before an Approver accepts. Florida's rule on deposits above 10% of the price for residential real property (s. 489.126) may apply to work on a residential condominium, including common elements. If a Quote asks for more than 10% before work, the Quote states when the Contractor will apply for permits and start work, and the Platform shows a warning. HammerConnect does not dictate deposit amounts above that; the Contractor must comply with Florida law.

CB-6.5 Payout held. Whatever the payment schedule, the Contractor's payout for each payment is held until the Job (or the milestone it pays for) is marked complete and the Dispute Window in CB-8.1 ends (Contractor Terms, section P-7). A deposit is held the same way unless the Quote states that it is released at an earlier stage for materials and an Approver accepted that. No payment is held longer than 90 days after payment unless a dispute, a Stripe restriction or a documented fraud concern is open (Contractor Terms, section P-7.2(c)).

CB-6.6 Failed or returned debits. If a bank debit fails or is returned, the invoice stays unpaid, and the Company may ask the Payer to pay by another method. Business-account debits can be returned within about two business days, and a disputed bank debit is final. The Company may suspend new Requests from the organization while an invoice is overdue. The Company charges no late-payment interest.

CB-6.7 Paying the Contractor. The Contractor is the seller and the merchant of record, and the payment is a direct charge on the Contractor's own Stripe account; the Company does not receive it. Once Stripe processes a payment, the organization has paid the Contractor that amount (Master Platform Terms, section M-12.3), and bears no risk if the Company fails to pass the money on.

CB-6.8 Pilot limits. During the pilot, the payment limits in Customer Terms for Homeowners, section C-6.8 (no single payment above $15,000; at most $90,000 a week across all Jobs) also apply to Commercial Customers, and are shown to the Admin in the Platform.

CB-7. Fees

CB-7.1 The Contractor pays HammerConnect a marketplace service fee (the "Platform Fee" in the Master Platform Terms) of 10% of the amount paid for the Job (excluding taxes and tips), worked out when each payment is collected (the "Fee Base" in the Master Platform Terms; Contractor Terms, section P-6.1). It is earned when the organization pays and is returned to the Contractor only in the cases in Contractor Terms, section P-6.8. It is not added to your invoice as a separate charge and does not affect any refund or dispute right of the organization. Contractors set their own prices and may include their business costs in them.

CB-8. Problems with a Job

CB-8.1 Dispute Window. An Approver or Admin can report a problem within 7 days after the Job (or milestone) is marked complete. The process in Customer Terms for Homeowners, section C-8.3 applies: only the amount in question is held, the Contractor may respond, and an Operator decides what happens to the held amount under the Company's contract with the Contractor. An Approver or Admin may confirm completion early; the Company may then release the payout before day 7 at its discretion, but confirming does not waive any right of the organization or its right to dispute the payment with its card issuer or bank (Customer Terms for Homeowners, section C-8.2; Contractor Terms, section P-7.1(c)).

CB-8.2 Not a court decision. The Operator's decision does not limit the organization's rights against the Contractor under the contract, its warranty or the law.

CB-8.3 Card and bank disputes. Card-network and bank-debit dispute rules apply as set by those networks. Business bank accounts generally have much shorter return periods than consumer accounts.

CB-8.4 Cancellation. Cancellation is governed by the accepted Quote. If the Quote is silent, the organization may cancel before work starts, and any deposit is refunded less the cost of special-ordered materials listed in the Quote. The federal and Florida home-solicitation cancellation rights are for consumers buying for personal, family or household purposes and are not assumed for an association.

CB-9. Referral and conflict-of-interest disclosure

CB-9.1 Who referred the Request. If a Contractor referred your Request, the Quote shows that a Referral Share of 5% of the amount paid may be paid to that Contractor out of HammerConnect's fee after the Dispute Window (CB-8.1) closes, and names the Referrer, in your Preferred Language (Customer Terms for Homeowners, section C-7.5 wording). A Referral Share is earned only if the Job is completed, paid, past the Dispute Window and not refunded or charged back; if the organization is refunded in whole or in part, the share is reduced or cancelled to match (Referral Program Terms, section R-9.3), without changing any refund right. No Referral Share is paid on an insurance-claim Job.

CB-9.2 No payment to individuals. HammerConnect pays nothing, and does not allow Contractors to pay anything through the Platform, to your community association manager, management firm, directors, officers, committee members or employees for a Request or a Job: no referral fee, credit, gift, points or other benefit. Each user confirms, when approving a Quote, that they will receive nothing of value from the Contractor or HammerConnect because of it.

CB-9.3 Conflicts. A user with a personal or financial interest in a Contractor must disclose it to the organization and not approve that Contractor's Quote. The Platform asks Approvers to confirm this. The organization follows its own conflict rules and the law.

CB-9.4 Association as payee: not active. HammerConnect may later allow an association itself (never a person or a management firm) to receive a Platform Fee credit (a price credit shown on the association's invoice and in the bid comparison, not a cash payout) on a Job at its own property, under the Association Rider in the Referral Program Terms (R-15). A cash Referral Share to an association is available only for its members' own Jobs, and only if HammerConnect later offers it under updated terms. This option is not active. It will not be offered unless HammerConnect first updates these terms. If it is offered, it needs a board resolution at a properly noticed meeting, a certification signed by an authorized officer that no manager, management firm, director, officer or relative receives any part of it, a payout account and Form W-9 in the association's name (for a cash share), and disclosure to members and on each Quote, as Referral Program Terms, section R-15 describes.

CB-10. Building data and personal data

CB-10.1 Building Data. "Building Data" means information about your property and operations: common-area descriptions, access rules, work orders, photos of common areas, building documents, vendor files and invoices. You keep your rights in Building Data. You give the Company a non-exclusive, worldwide, royalty-free licence to host, process and use Building Data to run the Platform for you, keep records, resolve disputes, and for the uses in the Privacy Policy, and to create Aggregated Data under CB-10.5. The Company will not publish Building Data or disclose it to anyone other than the Contractors you choose, the Company's service providers (including AI vendors, which may use it only to provide the service to us), and a successor to the Company's business, who must keep it under these terms, except as the law requires.

CB-10.2 Personal Data. Information about individuals (users, unit owners, residents, board members, building staff) is "Personal Data" and is handled under the Privacy Policy. You will share a resident's or unit owner's Personal Data (for example a name or unit number for access) only when needed for the Job and when you are allowed to share it under your governing documents and the law.

CB-10.3 Masking still applies. Contact details and exact unit numbers of individuals are hidden from Contractors until shared for a Job, as in Customer Terms for Homeowners, section C-4.

CB-10.4 Contractor documents. Contractor documents you download (CB-4.2) are under your control and your responsibility once downloaded.

CB-10.5 Aggregated Data. The Company may use Building Data and information about your Jobs, together with information from other users, to create statistics, benchmarks and reports that do not identify you, your property, your residents, unit owners or any individual ("Aggregated Data"). The Company owns Aggregated Data and may use, license and sell it. Aggregated Data is not Building Data or your confidential information. The Company will create Aggregated Data only in groups large enough, and in areas large enough, that it cannot reasonably be used to identify or work out information about your organization, your building, any association, resident, unit owner or contractor. The Company will not share Aggregated Data that identifies your organization or building without your written agreement, and will require every recipient to agree in writing not to try to identify anyone and not to combine it with other information to do so. You promise that you have the right to give us Building Data for this purpose and that it does not include records the law keeps you from sharing. Personal Data of individuals is not Building Data and is handled under CB-10.2 and the Privacy Policy. If the Company is sold or merged, Building Data may move to the successor, who must keep it under these terms. This clause does not allow the Company to sell personal information, and it does not let the Company share official records of an association except as the law allows.

CB-10.6 Software and AI. The Company may use software, including AI services from vendors acting for it, to run the Platform for you. The Company may use Building Data to build, train, test and tune its own software and models only in the form of Aggregated Data under CB-10.5. The Company does not offer models trained on your Building Data to other companies in a form that identifies your organization or building.

CB-11. Notices

CB-11.1 Notices to the organization. The Company sends legal and account notices to the Admin's email address and in the Platform. Notices to the Admin count as notices to the organization. Each user receives job messages in their own Preferred Language (English or Spanish at launch; other languages when released).

CB-11.2 Notices to the Company. Notices to the Company go to hello@hammerconnect.com and 9401 Collins Ave, Unit 205, Surfside, FL 33154.

CB-11.3 Electronic records. The organization agrees to receive records and notices electronically (US Schedule ESIGN clause), without the consumer-consent steps that apply to individuals (an association is not an ESIGN "consumer", which is limited to individuals).

CB-12. Messaging consent for organizations

CB-12.1 Business messages. The Platform sends transactional messages about Requests, Quotes, invoices and payments to users who set them up.

CB-12.2 Mobile phones are still protected. A business user's mobile phone number is treated like any other mobile number: texts go only to users who opted in for their own number, with STOP and HELP working as in the SMS Terms.

CB-12.3 No consent on behalf of others. The organization and its Admin cannot consent for users, residents or unit owners. HammerConnect does not text residents or unit owners because an organization asked it to.

CB-13. Limitation of liability

CB-13.1 What the Company is liable for. The Company is not a party to the contract for the Trade Work and is not liable for the work, the Contractor's acts, or the Contractor's failure to pay its suppliers.

CB-13.2 No indirect losses. Subject to CB-13.4, neither the Company nor the organization is liable to the other for lost profits, loss of use, or indirect, special or consequential damages.

CB-13.3 Cap. The Company's total liability to the organization for all claims in any 12-month period is capped at the greater of US $1,000 and the amount the organization paid through the Platform in the 12 months before the claim.

CB-13.4 Exceptions. CB-13.2 and CB-13.3 do not apply to fraud, gross negligence, wilful misconduct, money the Company holds or sends in error (for example a payout or refund sent to the wrong person or in the wrong amount), rights that cannot be limited by law, or liability the law does not allow to be limited. Statutory consumer-protection rights that apply to associations (FDUTPA) are not cut by this section.

CB-14. Disputes with HammerConnect

CB-14.1 Talk first. Either side gives written notice of a dispute and both try in good faith to resolve it within 30 days.

CB-14.2 Court. If not resolved, disputes between the organization and the Company are decided by the state or federal courts in Miami-Dade County, Florida, under Florida law. This is the only forum for a Commercial Customer's disputes with the Company. The arbitration section of the US Schedule (US-6) does not apply to Commercial Customers (US Schedule, section US-6.2, US-14.3).

CB-14.3 Jury waiver. To the extent the law allows, the organization (for claims it brings in its own name) and the Company each waive trial by jury. This waiver does not bind a unit owner or member who is not a party to the claim.

CB-14.4 Claims against the Contractor are between the organization and the Contractor.

CB-15. Organization's responsibilities and indemnity

CB-15.1 The organization will give safe access, follow building rules, get any approvals the work needs (for example board approval, permits it must obtain as owner), and tell the Contractor about known hazards.

CB-15.2 The organization will indemnify the Company for third-party claims caused by an untrue authority statement under CB-2 or by sharing Personal Data it had no right to share under CB-10.2.

CB-15.3 The indemnity in CB-15.2 covers only third-party claims and only to the extent caused by the organization's untrue statement or unauthorized sharing.

CB-16. What HammerConnect does not promise

CB-16.1 HammerConnect does not guarantee any Contractor's work, does not insure any Job, does not keep a reserve fund, and is not the organization's insurer or surety. Being named as additional insured on a Contractor's policy is a matter between the organization, the Contractor and the insurer.

CB-16.2 Our payout hold and problem review are a process. They are not insurance and not a guarantee. We do not promise to cover any loss.

CB-17. Term and termination

CB-17.1 Either side may close the organization account at any time. Accepted Jobs are completed or cancelled under their Quotes and paid through the Platform. CB-6, CB-9, CB-10, CB-13, CB-14 and CB-15 survive.

CB-18. Changes and precedence

CB-18.1 Changes follow Master Platform Terms, section M-18. Notice of a material change goes to the Admin.

CB-18.2 If the organization and the Company sign a separate master services agreement, it controls over these terms where they conflict, and only on the topics it covers. If it says nothing on a topic, these terms apply.

CB-18.3 If the Company's business changes hands. The Company may transfer these terms, and its rights and obligations under them, to a successor to all or part of its business or assets, as set out in Master Platform Terms, section M-22.2, without the organization's consent.

CB-19. Florida job sites

CB-19.1 For Florida job sites the Florida Addendum applies, including its rules on condominium and association referral restrictions (Florida Addendum, section FL-7) and licensing. The Florida Addendum's home-solicitation clauses (FL-3) are not applied to Commercial Customers. The deposit-timing, recovery-fund and lien-notice clauses (Florida Addendum, section FL-4, Florida Addendum, section FL-14A) are applied to residential condominium jobs, including common elements (CB-5.6, CB-6.4).

Back to all legal documents