Florida Addendum

FL-1. Application and identity

FL-1.1 This Addendum forms part of the Master Platform Terms, the Customer Terms (the Customer Terms for Homeowners for individuals, the Customer Terms for Associations and Businesses for organizations), the Contractor Terms and the Referral Program Terms for any Job with a Florida job site and, for FL-5, FL-6 and FL-12, for any user who lives in Florida. Where it conflicts with those documents or the US Schedule, this Addendum controls.

FL-1.2 Operator. The Platform is operated by Terragroupe, LLC, a Florida limited liability company, through hammerconnect.com, under the fictitious name HammerConnect (s. 865.09). Terragroupe, LLC d/b/a HammerConnect is the contracting party. Address: 9401 Collins Ave, Unit 205, Surfside, FL 33154.

FL-2. Contractor licensing statements

FL-2.1 HammerConnect is not a contractor. Terragroupe, LLC is not licensed as a contractor under Chapter 489, Florida Statutes, and does not perform, offer to perform, supervise or contract for construction, electrical, plumbing, HVAC, roofing or any other work that requires a license. HammerConnect provides technology that connects Customers with independent Contractors. HammerConnect does not set, propose or approve any Contractor's price or scope, does not choose a Contractor for a Customer, and is not a party to the construction contract. The Customer decides whether to accept a Contractor's Quote. A Contractor's Proposal (including a Quote) is the Contractor's own offer, made in its own name with its license number; HammerConnect does not submit bids and does not promise that a Contractor will perform, even if a software tool helped the Contractor write the Proposal.

FL-2.2 Contractor's licensing duty. Each Contractor must hold every state license (Ch. 489 Part I for construction contracting; Ch. 489 Part II for electrical and alarm system contracting) and every county or municipal certificate of competency or registration required for the work it quotes, including in Miami-Dade County. Since July 1, 2025, many local licenses for trades without a matching state license no longer apply (s. 163.211; s. 489.117(4)(a)); a Contractor must still hold any local registration that Florida law lets Miami-Dade County or a city keep. The Platform's check covers the state license and the local items shown on the Contractor's profile.

FL-2.2A Dryer-vent and duct work. Florida requires a Class A or B air-conditioning, mechanical or sheet metal license for duct cleaning that requires at least a partial disassembling of the system, and for repair, alteration or replacement of ducts (s. 489.105(3)(d), (f)-(i)). The Construction Industry Licensing Board has declared that cleaning a dryer vent by a method that involves no disassembly of the dryer exhaust system does not require a mechanical contractor's license (Declaratory Statement 2014-125, filed January 30, 2015). The Platform therefore lists dryer-vent cleaning for a Contractor that states in each Quote that its method involves no disassembly of the dryer exhaust system, and lists any scope that involves disassembly, repair, replacement or re-routing only for a Contractor that holds the license and has told us the license class.

FL-2.3 Work that needs no license. A Contractor without a state license may quote only work that falls within an exemption. One exemption covers work of a casual, minor or inconsequential nature with an aggregate contract price below $2,500 for labor, materials and all other items, that is not part of a larger operation or split to avoid the limit, and not offered by a person who advertises as a contractor (s. 489.103(9)). The Contractor, not the Platform, decides whether an exemption applies.

FL-2.4 License number in Quotes and profiles. Each licensed Contractor must show its license number on its profile and in every Quote, and must tell the Platform its license class. (s. 489.119(5)(b).) A Contractor may not let anyone else use its license number or pull a permit for a property for which it has no contract (s. 489.127(4)). In Miami-Dade County, every public listing, profile or advertisement that identifies a Contractor offering Chapter 489 services must show the Contractor's state license number or county certificate number (Miami-Dade Code ss. 10-4 and 10-4.1); the Platform shows it on the profile, the Quote and any share page.

FL-2.5 Unlicensed contracting. A contract made by an unlicensed person for work that requires a license is unenforceable by that person, and unlicensed contracting is a crime in Florida: a first offense is a misdemeanor, and a repeat offense, or any offense while the Governor has declared a state of emergency, is a felony. The same section makes it unlawful to advertise oneself as available to act as a contractor without a license. (ss. 489.127(1)(f), 489.127(2), 489.128.) HammerConnect will remove any Contractor it learns is quoting work outside its license, and an inactive, suspended or expired license is treated as no license.

FL-2.6 Customer statement. "Before work starts, you can check a Florida contractor's license at the Department of Business and Professional Regulation's website (myfloridalicense.com) and ask for a certificate of insurance."

FL-2.7 Platform copy. HammerConnect will not describe itself in ads, app-store listings or messages as a contractor, a builder, or a provider of trade services, and will not use phrases such as "we install", "our electricians", "we send", "we assign", "our technicians" or "guaranteed work". The Contractor enters every price. The Platform does not propose a price for any Job; any benchmark range it shows is labeled general information, not a quote.

FL-2.8 Insurance-claim jobs. Contractors may not offer rebates, gifts, deductible waivers or referral compensation in connection with an insurance claim for roof damage or any services paid by property insurance, and may not adjust claims or interpret policies. (s. 489.147; s. 626.854(16).) The Platform does not currently accept Requests for work that will be paid in whole or in part with property insurance proceeds, and no Referral Share is paid on such a Job (FL-7.1(c); Contractor Terms, section P-6.1A).

FL-3. Home solicitation sales and cancellation

FL-3.1 Contractor's duty. If a Contractor makes a consumer sale of goods or services of $25 or more after meeting the Customer in person at the Customer's residence or another place that is not the Contractor's place of business (a "home solicitation sale"), the Contractor must give the Customer the written notice of the right to cancel required by law, in the form and type size required and in the language of the sales discussion, and honor a cancellation made until midnight of the third business day after signing. (ss. 501.021-501.055)

FL-3.2 Customer statement (for the Quote screen, where applicable).

English: "If you signed this contract at your home, you may have the right to cancel it within 3 business days. See the notice of cancellation from your contractor. If the sale was discussed in Spanish, the notice must be in Spanish."

Spanish: "Si firmó este contrato en su casa, puede tener derecho a cancelarlo dentro de 3 días hábiles. Consulte el aviso de cancelación de su contratista. Si la venta se conversó en español, el aviso debe estar en español."

FL-3.3 Emergency repairs. Florida's home-solicitation sections have no emergency-waiver form. The federal rule lets a Customer give up the right to cancel only by a separate, dated, signed statement in the Customer's own handwriting about a real and immediate personal emergency that the Customer started (US Schedule, section US-9.4). The Platform does not ask for or collect that statement, and a typed or tap-to-sign statement is not assumed to qualify.

FL-3.4 Federal rule. The FTC Cooling-Off Rule (16 C.F.R. Part 429) also applies (US Schedule, section US-9). It reaches a sale made after a visit the Customer asked for, at $25 or more at the Customer's residence ($130 or more at another location). The Contractor gives the two-form notice in the same language as the sales discussion. The longer or more protective period controls. The Rule does not apply to a sale completed entirely by mail, telephone or the Internet with no in-person contact before delivery (US Schedule, section US-9.1).

FL-3.5 Refund through the Platform. When a Customer cancels lawfully, any amount paid through the Platform is refunded through the Platform within the time the law requires, and the Platform Fee (the marketplace service fee) on the refunded amount is returned to the Contractor under Contractor Terms, section P-6.8(a), and no Referral Share is payable on it (Referral Program Terms, section R-4.1(h)). A Referral Share already paid is recovered only for fraud (Referral Program Terms, section R-9.3).

FL-4. Construction lien and recovery fund notices; deposits

FL-4.1 Lien law notice. For a direct contract over $2,500 for improvements to real property consisting of a single- or multiple-family dwelling of up to and including four units, the Contractor must include the statutory construction lien disclosure in the contract (or a separate signed page), in the required type size. The notice appears in the exact statutory wording, in at least 12-point bold capital letters, on the first page of the Quote or on a separate page that the Customer signs and dates in the Platform. The Contractor may not change the wording. (s. 713.015)

FL-4.2 Customer explanation (Platform text, not the statutory notice).

English: "Florida's Construction Lien Law can let unpaid subcontractors, suppliers and workers file a lien on your property, even if you paid your contractor in full. Ask your contractor for lien releases from anyone who supplied labor or materials."

Spanish: "La Ley de Gravámenes de Construcción de Florida puede permitir que subcontratistas, proveedores y trabajadores no pagados presenten un gravamen sobre su propiedad, aunque usted haya pagado todo a su contratista. Pida a su contratista las renuncias de gravamen de quienes suministraron mano de obra o materiales."

The statutory notices appear in English as the statute requires; a Spanish translation is shown beside them for information.

Spanish: "Los avisos exigidos por la ley aparecen en inglés, como lo exige la ley; al lado se muestra una traducción al español solo como información."

FL-4.3 Recovery fund notice. For contracts for repair, restoration, improvement or construction of residential real property where the value of all labor and materials exceeds $2,500, the Contractor must give the written notice about the Florida Homeowners' Construction Recovery Fund, in the statutory form, followed by the Construction Industry Licensing Board's address and telephone number. (s. 489.1425(1).)

FL-4.4 Deposits over 10%. If a Contractor receives as an initial payment more than 10% of the contract price for repair, restoration, improvement or construction of residential real property, Florida law requires the Contractor to apply for any needed permit within 30 days after the payment and to start work within 90 days after all permits issue, unless the Contractor has just cause or the Customer agrees in writing to longer periods. A Contractor that has received more than the value of the work performed may not fail to perform for any 90-day period. Failure can be a crime. (s. 489.126(2), (3), (5) and (6)) The statute is not a cap on deposits and requires no trust account. For an individual (consumer) Customer, the Platform does not allow a deposit above the lower of 10% of the price and any lower limit the law sets, a Platform risk-control policy that keeps the Contractor outside the s. 489.126 duties at the point of payment (Customer Terms for Homeowners, section C-6.6; Contractor Terms, section P-5.5(b)); the Quote states what the deposit is for and when permits and work start. The Platform shows a warning to the Contractor when any Quote's deposit exceeds 10%, which can arise only for a Commercial Customer under negotiated terms (Customer Terms for Associations and Businesses, section CB-6.4) (see FL-14A.1). Holding the payout until completion lowers the Contractor's exposure under the 90-day rule.

FL-4.5 Required-notices block. The Platform's Quote includes a block where the Contractor attaches or confirms the notices in FL-3 and FL-4. The block is part of the document the Customer accepts, not a link. By sending a Quote, the Contractor confirms that every required notice is included. The Quote cannot be sent for a residential job over $2,500 until each applicable notice is attached and the Contractor ticks that it is included. The Platform supplies locked statutory templates (English and Spanish) as a convenience, but the Contractor is responsible for checking that they are current and complete; the Platform does not otherwise check the content and is not responsible for it.

FL-4.6 Construction defect claims. Florida Chapter 558 requires a written notice of the defect to be served on the Contractor at least 60 days before suing (120 days for an association of more than 20 parcels). Residential contracts should carry this sentence: "ANY CLAIMS FOR CONSTRUCTION DEFECTS ARE SUBJECT TO THE NOTICE AND CURE PROVISIONS OF CHAPTER 558, FLORIDA STATUTES." HammerConnect's dispute process does not replace or pause that procedure. (ss. 558.002(8), 558.004, 558.005(6): Chapter 558 applies to improved real property of any kind, residential or commercial, and the sentence must appear in a written contract between an owner and a contractor unless the parties agree that Chapter 558 does not apply; omission carries no penalty.)

FL-4.7 Payments to subcontractors and suppliers. The Platform Fee (the marketplace service fee) is a fee for the Company's services. It is not a payment toward the improvement of the property. The Contractor remains responsible for paying its labor, subcontractors and suppliers from the proceeds it receives. Florida law requires a person who receives a payment on account of improving real property to apply it to amounts then due for labor and materials on that improvement (s. 713.345).

FL-4.8 Miami-Dade County contract notices. For a contract to repair, improve or remodel a Group R (residential occupancy) structure in Miami-Dade County, the Contractor must include (a) the "WARNING TO OWNER" lien notice, followed by the list of known subcontractors and material suppliers whose work or materials exceed $250, in at least 10-point bold type, updated by rider within 30 days of new information (Miami-Dade Code s. 10-33), and (b) if the contract exceeds $5,000 and involves work that needs permits, the seven bold, capitalized, 12-point disclosures in s. 10-33.1 (complaint and financial-responsibility records, insurers and policy numbers, inspection-conditioned payments, payment bond, completion date, licensed-contractor requirement, abandonment). The Platform's required-notices block carries both as Contractor-supplied items.

FL-5. Telephone solicitation and text messages (FTSA)

FL-5.1 No telephonic sales calls without consent. HammerConnect does not send marketing texts and does not make telephonic sales calls in Florida without the prior express written consent the Florida Telephone Solicitation Act requires for unsolicited calls made with an automated system. (s. 501.059(8)(a).)

FL-5.2 Form of consent. Where consent is needed, it is a signed written agreement (an electronic checkbox and button with a stored record is used as the signature) that names the number, states that the person agrees to receive texts from HammerConnect, says that texts may be sent using automated technology, and says that consent is not a condition of purchase. The SMS Terms' opt-in text is written to meet this standard.

FL-5.3 Hours and frequency. HammerConnect sends no alert texts before 8:00 a.m. or after 8:00 p.m. recipient local time, and does not send more than 3 texts on the same subject to a person in 24 hours (except codes the person just requested). These limits count HammerConnect and every pro working on the same job together.

FL-5.4 Opt-out and cure. A reply of STOP (or PARAR, or any clear request in any words, in English or Spanish) stops alert texts. We stop within minutes and send one confirmation text. Under s. 501.059(10)(c) a person must reply STOP and give the sender 15 days before suing for damages over text solicitations; we do not rely on that period and honor every request at once, because s. 501.059(5) also bars texts to anyone (a consumer, business or donor) who has said they do not want them.

FL-5.5 Referrer messages. A Referrer's text to a friend, sent from the Referrer's own phone, is the Referrer's message. Referrers in Florida must send a link only to a person who asked for help or would reasonably expect to hear from them, one person at a time, and must not send referral links in bulk, with automated tools, or to people who did not ask. The app does not import contacts, has no "invite all", and shows no per-invite bonus or leaderboard (SMS Terms, section SMS-5).

FL-5.5A A referred person says yes first. HammerConnect and the pro send nothing to a person a Referrer referred until that person taps Yes on the link page, which names the pro and the automated texts and says consent is not required to buy anything (SMS Terms, section SMS-5). A Yes covers only the pro named; each added pro needs a new Yes.

FL-5.6 Florida Telemarketing Act. HammerConnect makes no outbound telephone sales calls and does not hold a commercial telephone seller license under Part IV of Chapter 501 (s. 501.601 et seq.), because it does not believe it needs one.

FL-5.7 What is and is not a sales call. A "telephonic sales call" is a call or text made to solicit a sale of consumer goods or services (s. 501.059(1)(j)). Calls made in response to the person's request, or about a contract not yet completed, or to a person with an existing business relationship are not "unsolicited" (s. 501.059(1)(k)). HammerConnect's job alerts, receipts and payment links fall in those groups; we do not send offers or ads.

FL-5.8 Business users. The Platform applies one consent standard to every user's mobile number, including association managers, board members and building staff. Section 501.059 is aimed at consumer goods and services, but s. 501.059(5) also protects a business that says it does not want texts. A person cannot consent for another person; an Admin cannot opt in other users (Customer Terms for Associations and Businesses, section CB-12).

FL-6. Recording and monitoring of communications

FL-6.1 Calls. HammerConnect does not record or transcribe phone calls, including calls through a relay number (Master Platform Terms, section M-11.2A). Florida requires the consent of all parties before a call is recorded. (s. 934.03(2)(d); violation can be a felony and gives a right to sue, s. 934.03(4), s. 934.10.) Contractors and Customers must not record calls with each other without all parties' consent.

FL-6.2 In-app messages. Messages sent through the Platform are stored by HammerConnect as part of the service, and Operators may read them for disputes, safety and enforcement, as disclosed in the Master Platform Terms (M-10.5) and on the messaging screen.

FL-6.3 Future recording and AI voice. HammerConnect will not add call recording, transcription or an AI voice agent without a new, separate flow that gets every party's clear consent before recording starts (s. 934.03(2)(d)) and, for any automated or AI-voiced outbound call to a mobile number, the consent the TCPA and s. 501.059 require.

FL-6.4 Website analytics and session replay. HammerConnect does not use session replay on screens that show addresses, phone numbers, messages or payment details, does not use advertising pixels or third-party chat widgets, keeps phone numbers and addresses out of URLs, and shows a notice before analytics loads for a Florida visitor.

FL-7. Referral-fee restrictions

FL-7.1 Who may not receive a Referral Share for Florida job sites. In addition to Referral Program Terms, section R-2.3, no Referral Share is paid to:

• (a) a community association manager or community association management firm licensed under Part VIII of Chapter 468, its owners, officers or employees, or a relative of any of them, for work at an association it manages or for that association's unit owners; (ss. 468.4335, 468.436(2)(b), 718.111(1)(a), 718.103 (definition of "kickback"))
• (b) a director, officer or committee member of a condominium association (Chapter 718), cooperative (Chapter 719) or homeowners' association (Chapter 720), a relative of one (within the third degree of blood or marriage), or a business in which one of them holds an interest, for work at that association or for its members; (ss. 718.111(1)(a), 718.3027, 720.3033(3))
• (c) anyone on a job related to a claim under a residential or commercial property insurance policy; (s. 489.147(2)(c))
• (d) a real-estate licensee acting as such; (Chapter 475)
• (e) a public adjuster, insurance agent or insurance adjuster acting as such;
• (f) an engineer, architect, inspector or private provider engaged by or for the Customer or association on that job.

No Referral Share, credit, gift, points or other benefit of any kind is given to a community association manager or management firm, or to any officer or director of an association or a relative of one, in connection with a vendor of that association. (ss. 468.4335, 718.111(1)(a))

FL-7.2 Contractors as referrers. A Florida-licensed Contractor may receive a Referral Share for referring a job outside its specialty, provided it does not perform or subcontract that job and discloses the share as required by Referral Program Terms, section R-7. The Contractor must hold an active license in good standing when the Referral is made and when the share is paid. An inactive, suspended or expired license is treated as no license.

FL-7.3 Attribution without payment. A Contractor who also falls in FL-7.1 for a given job site (for example a Contractor whose owner sits on that association's board) may still refer that Request; the Referral is recorded for attribution only and earns nothing, and the Company keeps the full Platform Fee. The Quote shown to the association also flags the relationship.

FL-7.4 Disclosure to associations. When a Request is for common-element or association work, the Platform shows the association (the Customer) whether any Referral Share will be paid and to whom. The Platform also shows the association any disclosed relationship between a bidding Contractor and a director, officer, manager or their relatives.

FL-7.5 Association Rider (inactive). The optional Association Rider (Referral Program Terms, section R-15), under which an association itself (never an individual manager or board member) could receive the Referral Share, is off. It will not be offered for Florida job sites unless HammerConnect first updates these terms to describe how it complies with ss. 718.111(1), 718.103, 718.3026, 718.3027, 720.3033, 468.4335 and 468.436 (Chapter 468 Part VIII), including board approval and disclosure to members. For work at the association's own property, where the association is the Customer, no cash Referral Share is paid; at most the Company may later give the association a Platform Fee credit shown on the Quote and invoice (Referral Program Terms, section R-15.2), with a certification that no manager, management firm, director, officer or relative receives any part of it.

FL-7.6 No self-referral or reciprocal deals. No Referral Share is paid for a Referral to the Referrer itself, its owners, employees, family members or affiliates, or where the Referrer or an affiliate quoted, bid or took part in pricing the same Request. Contractors must not agree to refer each other's Requests in return, and must not offer a Customer any gift, rebate or discount to hire (Referral Program Terms, section R-2.3(g), Referral Program Terms, section R-2.3B; Contractor Terms, section P-13.2).

FL-7.7 Notice to the person referred. Before a Customer can open a Request that came from a Referral, and again on the Quote and the receipt, the Platform shows, in the Customer's language: "The person who shared this request may receive a referral payment from HammerConnect if you hire through HammerConnect." The Platform keeps a record of the version shown (Referral Program Terms, section R-7.5).

Spanish: "La persona que compartió esta solicitud puede recibir un pago por referido de HammerConnect si usted contrata a través de HammerConnect."

FL-7.8 Referral Share only on referred Jobs. A Referral Share is paid only on a Job that came to the Platform by a valid Referral (Referral Program Terms, section R-5). Where a Customer comes to the Platform directly, through a chat or voice assistant, through a Customer Agent, or through the Company's own marketing, there is no Referrer and no Referral Share, and the Company keeps the full Platform Fee (the marketplace service fee). The exclusions in FL-7.1 to FL-7.6 and the insurance-claim exclusion in FL-2.8 apply the same way to a Direct Request.

FL-8. Florida Deceptive and Unfair Trade Practices Act (FDUTPA)

FL-8.1 Nothing in the Terms limits a consumer's rights under the Florida Deceptive and Unfair Trade Practices Act. (Part II, Chapter 501, s. 501.201 et seq.) A "consumer" under FDUTPA includes any business, firm, association or commercial entity (s. 501.203(7)), so the Act can protect a condominium association as well as an individual.

FL-8.2 Contractors must not make false or misleading statements in profiles, Quotes or messages, including about licenses, insurance, warranties, "Premier" status, or HammerConnect's role. The Company may remove such statements and suspend the Contractor.

FL-8.3 No limitation of liability, indemnity or arbitration clause in the Terms limits a right or remedy that Florida law does not allow to be limited, including your remedies under FDUTPA (ss. 501.211, 501.2105). If a clause cannot be enforced against you under Florida law, the rest of the Terms still apply.

FL-9. Payments and money transmission

FL-9.1 HammerConnect does not hold Customer funds in its own bank accounts or Stripe balance, act as an escrow agent, offer stored-value accounts, or allow cash-out of any balance. Each Customer payment is a direct charge on the Contractor's own Stripe account (the Contractor is the merchant of record: Contractor Terms, section P-5.1) and goes to the Contractor's own Stripe balance, not to HammerConnect. HammerConnect receives only its Platform Fee (the marketplace service fee). Payment options are an at-completion payment by default, an optional capped deposit for individuals, milestones for large Jobs, and negotiated schedules only for Commercial Customers (Contractor Terms, section P-5.5). The Contractor's payout is held in the Contractor's own Stripe balance pending completion and the Dispute Window (7 days for Consumers and 7 days for Commercial Customers; outer limit in FL-9.2), and then released. The Referral Share is a payment obligation of the Company, paid out of its own Platform Fee after that window, and only if the Job is not refunded or charged back (Referral Program Terms, section R-9.1, R-9.3). HammerConnect acts only as the Contractor's limited payment collection agent, and a Customer's payment processed by Stripe satisfies the Customer's debt to the Contractor for that amount (Master Platform Terms, section M-12.3). All payments and payouts move only by card network or ACH through Stripe and its banks; the Company does not pay Contractors or Referrers in cash, by check or into a non-bank wallet. (Chapter 560)

FL-9.2 The longest time a Contractor's payout may be held is 90 days after the Customer's payment, except while a dispute, a Stripe restriction or a documented fraud concern is open.

FL-9.3 Held Shares and unclaimed property. A Referral Share held because the Referrer has not completed payout setup (Referral Program Terms, section R-9.5) is the Company's own payment obligation to the Referrer, not Customer money and not a deposit, account or stored balance. The Company keeps the Held Share payable to the Referrer until claimed, sends reminders in the Referrer's Preferred Language, and reports and delivers it as the Florida Disposition of Unclaimed Property Act requires after the dormancy period: generally 5 years from the date the property becomes payable (s. 717.102(1)). A contract "claim period" cannot shorten that period, and the Company does not keep an unclaimed share as Platform Fee. Before reporting, for property of $50 or more, the Company sends written notice 90 to 180 days before the report is filed (and, over $1,000, a second notice by certified mail at least 60 days before filing), keeps records of its notice attempts, and files the report before May 1 (s. 717.117(2), (3), (11); delivery under s. 717.119).

FL-9.4 No surcharges. A Contractor must not add a surcharge or convenience fee to a Customer's price for a Job because of the payment method the Customer uses through the Platform (credit card, debit card, bank debit or any other method). The all-methods ban is HammerConnect's own rule. Florida law separately bans a seller from imposing a surcharge for credit-card use (s. 501.0117). That statute covers credit cards, not debit cards, and does not bar a discount offered to all customers for paying by cash, check or another non-credit-card means.

FL-10. Sales tax statement (Florida Department of Revenue)

FL-10.1 Contractor's sales. The Contractor is the seller and is responsible for registering with the Florida Department of Revenue, and for collecting and remitting any sales tax and discretionary sales surtax on taxable items or services it sells, and for use tax on materials it consumes in improvements to real property. (Chapter 212)

FL-10.2 Platform Fee (the marketplace service fee). HammerConnect's marketplace service fee (the Platform Fee) is a fee charged to the Contractor for marketplace services (verification, payments, dispute tools and introductions). HammerConnect does not believe the Platform Fee is subject to Florida sales tax. If that changes, the tax will be shown separately.

FL-10.3 Marketplace provider. Section 212.05965 applies only to marketplaces for tangible personal property and excludes payment processors whose sole activity is processing payments; it does not reach home services.

FL-10.4 Business registration. Terragroupe, LLC registers with the Florida Department of Revenue as its activity requires and files the returns that apply to it, including a zero return when no tax is due (dealer registration is under s. 212.18). Local business tax receipts: a receipt is needed from the county, and from the city if the office is inside a city, where HammerConnect keeps a permanent business location or branch office; it does not need one in each city where Contractors or Customers are (ss. 205.032, 205.042, 205.065). Receipts run October 1 to September 30 and are due by September 30 (ss. 205.043, 205.053; late renewal and no-receipt penalties apply).

FL-10.5 Cleaning at residential condominiums. The Contractor decides whether tax applies and charges the Customer accordingly; the Platform does not override it. Cleaning of residential condominiums and their common areas is not a taxable nonresidential cleaning service (Rule 12A-1.0091), but a mixed-use building or a commercial unit is not a "residential facility", the rule covers cleaning rather than repair, and hotel-condo or transient-rental condominiums need a separate look.

FL-10.6 No stand-alone promissory notes. Payment terms are stated in the Terms and the Quote. Platform invoices and Quotes do not create a separate written promise to pay a sum by a date (for example a milestone note).

FL-11. Non-circumvention (Contractors)

FL-11.1 For Florida Contractors, Contractor Terms, section P-11 does not restrict where or for whom a Contractor works. It only makes the Platform Fee owed on a job from a Platform Introduction that is paid off the Platform within 12 months. The fee is the agreed price of the Introduction, the same fee the Contractor would have paid on the Platform; it is not a penalty. The remedy is that fee and nothing more: no liquidated damages, penalty or multiplier. The clause applies only to work the Contractor was licensed to do. The Contractor accepts these terms by electronic signature, and the Platform keeps the record. (s. 542.335 and enforceability, including whether the clause is a restrictive covenant at all, or a fee term)

FL-11.2 No territories. No Contractor receives an exclusive ZIP code, area or territory in Florida.

FL-11A. Language

FL-11A.1 Florida users receive documents and communications in their Preferred Language (English or Spanish at launch; other languages may be added later). The English-controls clause in Master Platform Terms, section M-20.3 applies unless a rule of Florida or other applicable consumer law requires the user's Preferred Language version to control or to have equal weight. The clause a Spanish-preferring user accepts is shown in Spanish. Where federal law requires a notice in the language of a door-to-door sales discussion (the Cooling-Off Rule, 16 C.F.R. 429.1), the Contractor gives it in that language. A time-critical legal notice follows Master Platform Terms, section M-10.7: it waits for its approved translation unless the law or safety requires it to go out sooner, in which case it goes out in English first with a short note in your Preferred Language.

FL-12. Privacy and data breach

FL-12.1 Breach notice. If a security breach affects personal information of Florida residents, HammerConnect will notify affected individuals no later than 30 days after determining a breach occurred (unless law enforcement asks for delay), will notify the Florida Department of Legal Affairs within 30 days if 500 or more Florida residents are affected (a written request for up to 15 more days for good cause must be made within the 30 days), will notify consumer reporting agencies if more than 1,000 individuals are affected, and will keep any written no-harm determination for 5 years. A vendor that holds the data must tell the Company within 10 days (the Company asks for faster notice). Late notice can carry penalties of up to $500,000 per breach. (s. 501.171)

FL-12.2 Florida Digital Bill of Rights. The controller duties of the Florida Digital Bill of Rights do not apply to Terragroupe: they cover only a for-profit "controller" with more than US $1 billion in global gross annual revenue that also meets one of three further prongs (50% or more of revenue from online ad sales; a consumer smart speaker and voice assistant; or an app store with 250,000 or more apps). The sensitive-data-sale rule in s. 501.715 is wider: it applies to any for-profit business that does business in Florida and collects consumer personal data, and bars selling sensitive personal data without the consumer's consent. As of the Effective Date the Company does not sell personal data, so it has no duty under that section, and it must stay that way unless a notice and consent flow that meets that section is in place (see the Privacy Policy on any later change, including a transfer of the business or the licensing of de-identified or aggregated information). (ss. 501.702(9), 501.715.) The Company still offers access, correction and deletion to all users (Privacy Policy, section PP-10.1). It will not apply a materially different use or sharing of personal information to data it has already collected without first giving clear notice and obtaining the person's agreement.

FL-12.3 Security program. The Company keeps written "reasonable measures" to protect personal information in electronic form (s. 501.171(2)): encryption, least-privilege access, multi-factor sign-in for staff, logs of staff access to addresses and messages, a written incident plan, a vendor register with data-processing terms, and secure disposal of records no longer kept (s. 501.171(8)). "Personal information" under the statute includes a username or email with a password or security answer, any geolocation, and government ID or financial account numbers; the Company's data fields (including Contractor insurance and license documents) are mapped against it.

FL-12.4 Identity verification. Identity checks for Contractors and Referrers are run by Stripe and may involve a government ID and a face scan; the Company receives the result of the check. Florida has no standalone biometric privacy statute; Texas and Illinois biometric laws apply by the location of the person scanned.

FL-12A. State of emergency

FL-12A.1 While the Governor has declared a state of emergency for the job site, Contractors must not quote an unconscionable price (s. 501.160). The Platform does not raise its fee or use surge pricing. Only licensed Contractors may quote work that needs a license; unlicensed contracting during an emergency is a felony (s. 489.127). After a declaration, anyone who offers goods or services to the public during the emergency without a business tax receipt commits a second-degree misdemeanor (s. 501.160(8)). A price-gouging violation is a violation of s. 501.204 enforced by the state attorney or the Department of Legal Affairs; there is no private action (s. 501.160(6)-(7)). The Platform does not show or recommend prices or ranges during a declared state of emergency for the job site, or does so only with a notice about s. 501.160.

FL-13. Electronic signatures and arbitration

FL-13.1 Electronic acceptance under the US Schedule is valid in Florida. (s. 668.50 (Uniform Electronic Transaction Act): it applies where the parties have agreed to transact electronically, and a record or signature may not be denied effect solely because it is electronic.) Acceptance is by a clear, affirmative step (an explicit "I agree" action that names the Terms and the arbitration clause), with the evidence record kept; a bare hyperlink does not bind.

FL-13.2 The arbitration agreement in the US Schedule is governed by the Federal Arbitration Act; to the extent state law applies, the Revised Florida Arbitration Code applies. (Chapter 682, s. 682.02: same in substance as the FAA.) The arbitration section does not apply to a Commercial Customer (US Schedule, section US-14.3).

FL-13.3 Venue for court actions allowed under the US Schedule: the state or federal courts located in Miami-Dade County, Florida.

FL-14. Workers' compensation and insurance

FL-14.1 Florida Contractors must carry workers' compensation coverage or hold a valid exemption as required by Chapter 440, and must upload proof. In the construction industry an independent contractor is treated as an employee, so being "independent" is not an exemption; a construction sole proprietor or partner cannot claim an exemption (they may only elect coverage), and the only exemption is for an eligible corporate officer who owns at least 10% of the corporation and is listed with the Division of Corporations (at most three officers) and files a notice of election (s. 440.05). A licensee also swears to workers' compensation coverage when it obtains or renews a license (s. 489.115(5)(a)). (Chapter 440)

FL-14.2 General liability and certificate holder (cross-reference). Every Contractor must also provide a license, a certificate of insurance showing "Terragroupe, LLC d/b/a HammerConnect" as certificate holder (with the notice address we give), notice of cancellation to us, and general liability insurance (Contractor Terms, section P-3.3). HammerConnect is not required to be named as an additional insured; the Contractor's indemnity to the Company (Contractor Terms, section P-16) covers claims arising from the work. A certificate alone does not create coverage for anyone, so the Contractor keeps its policy and endorsements available if we or a Customer ask for them. A Contractor names the Customer or association as additional insured when the Customer requires it (FL-14A.2; Customer Terms for Associations and Businesses, section CB-4.1). The Company makes no guarantee or reserve promise (Customer Terms for Homeowners, section C-15; Customer Terms for Associations and Businesses, section CB-16).

FL-14A. Commercial Customers and condominium common areas

FL-14A.1 Deposit and home-solicitation rules. The deposit rule in s. 489.126 and the recovery-fund notice in s. 489.1425 are applied to every residential condominium job, including common elements ordered by the association. The lien notice in s. 713.015 applies to buildings of up to four units and to unit-owner contracts; the Platform includes it for larger buildings as a precaution. Home-solicitation rules (FL-3) are not applied to associations, which buy for business or governance purposes; a manager or board member buying for their own unit is a consumer. Customer Terms for Associations and Businesses, section CB-6.4 and Customer Terms for Associations and Businesses, section CB-8.4 are written to match. If the Company cannot confirm the Customer is an organization buying for business or common-area purposes, the consumer rules in FL-3 and FL-4.4 apply.

FL-14A.2 Insurance and additional insured. FL-14.1 and FL-14.2 apply to every Contractor whatever the customer type. A Commercial Customer may add its own vendor requirements, including additional-insured status for the association or manager; the Contractor names the Customer, not the Company, as additional insured when the Customer requires it, and that is between the Contractor, the Customer and the Contractor's insurer (Customer Terms for Associations and Businesses, section CB-4.1).

FL-14A.3 Which clauses are consumer-only. FL-3 (home solicitation) is written for consumer purchases and is not applied to an association or other Commercial Customer. FL-4.3 (recovery-fund notice) and FL-4.4 (deposits) are applied to residential work whatever the customer type (FL-14A.1), and FL-4.1 (lien notice) turns on buildings of up to four units. FL-5 to FL-13 apply to every user and every Customer whatever the customer type.

FL-14A.4 Referral disclosure to associations. The Association Rider is not active (FL-7.5; Referral Program Terms, section R-15.0). FL-7.4 disclosure applies to every Commercial Customer.

FL-14A.5 Association purchasing. Associations may have to obtain competitive bids (s. 718.3026: contracts above 5% of the annual budget including reserves). HammerConnect does not run an association's bidding, and a Quote sent through the Platform is one bid for the association to weigh. A manager or director must not receive a referral fee, kickback or other benefit from a vendor (ss. 718.111(1)(a), 468.4335).

FL-14A.6 Structural reserve study and milestone inspection work. If a Quote is for repair or replacement work recommended in a structural integrity reserve study or milestone inspection, the Contractor states in writing whether it has any interest, direct or indirect, in the firm that performed the study or inspection, or is related (within the third degree) to a person with such an interest, and, if it bid on the study itself, that it intends to bid on the related repair work (ss. 718.112(2)(g)3.b., 719.106(1)(k)3.b. and 553.899(12), ch. 2025-175; omission makes the contract voidable and terminable by the association and can lead to discipline).

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