EXFINAL User Policy

EXFINAL is a project-based transaction platform designed to connect users requesting services ("Requesters") with independent service providers ("Providers") across multiple industries. The platform facilitates project discovery, scheduling, communication, payment handling, and dispute support.

EXFINAL does not provide services directly and does not control how services are performed.

• Requesters: Users who create service requests, define scope, milestones, timelines, and budgets.
• Providers: Independent individuals or entities who accept requests, perform services, and deliver agreed outcomes.

All Providers operate as independent contractors. EXFINAL is not an employer, agent, or partner of any user and does not supervise or guarantee service outcomes.

• Project and service requests with defined scope and budget
• Flexible pricing set by Providers and capped by Requesters
• Escrow, deposits, and milestone-based payments
• Incentive-based payment adjustments within agreed ranges
• In-platform messaging and notifications
• Ratings and reviews after completion

• Platform Fee: A 15% service fee applies to provider net income, capped at $50 per project or service component.
• Payment Processing: External Stripe transactions incur a 2.9% + $0.30 non-refundable processing fee.
• Transfers & Balances: Users may accumulate balances to reduce fees or transfer funds to Stripe Express when desired.

Cancellation fees and no-show guarantees apply only to services with a scheduled start time, real-time attendance, or reserved availability. Our cancellation system is designed to protect both parties from last-minute changes. If a booking is canceled late or not honored, the no-show guarantee ensures the other party is fairly compensated.

• When booking a specific seller, their no-show guarantee (if set) determines the cancellation and no-show terms. When using Auto-Match, you may set your own no-show guarantee, and the policy becomes active once a seller accepts your request.
• The effective no-show guarantee is the lower of the agreed amounts. The guarantee amount is temporarily frozen once the booking is confirmed.
• Cancellation fees are calculated as a percentage of the no-show guarantee, based on the time remaining before the scheduled start time.
• Any cancellation fee or no-show charge is automatically transferred to the other party as compensation.

Services without real-time attendance follow milestone-based payment and dispute resolution. No automatic no-show penalties apply unless explicitly agreed.

• Identity verification via Stripe is encouraged but optional
• Preferred names or DBA names may be used
• Contact information remains private unless shared
• Users are responsible for their own safety

Mutual ratings are encouraged after service completion to help maintain trust and quality.

Users may file disputes for non-delivery, quality issues, or payment concerns. EXFINAL may facilitate mediation but does not guarantee outcomes.

• Users must comply with all applicable laws
• Providers are responsible for licenses and insurance

This addendum applies only to transportation-related services.

• Valid vehicle or motor carrier insurance is required
• Applicable background verification laws must be followed
• No-show eligibility may require arrival within 0.5 miles of pickup and reporting within defined time windows

• Milestones govern payments
• Partial delivery may result in partial compensation
• Live sessions follow the cancellation framework