Terms of Service | LeadChuck

1. Agreement to Terms

By accessing or using LeadChuck ("the Platform"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not access or use the Platform.

2. Description of Service

LeadChuck is a peer-to-peer lead referral platform designed for contractors and tradespeople. The Platform enables users to:

Share leads with other contractors in their network
Receive leads from other contractors
Earn and pay lead referral fees
Build a network of trusted contractors

LeadChuck acts solely as an intermediary platform and is not a party to any agreements or transactions between contractors. We do not guarantee the quality, safety, or legality of any work performed as a result of leads shared on the Platform.

3. User Eligibility and Accounts

To use LeadChuck, you must:

Be at least 18 years of age
Be a licensed contractor or tradesperson (where applicable by law)
Have the authority to bind your business to these terms
Provide accurate and complete registration information
Maintain the security of your account credentials

You are responsible for all activity that occurs under your account.

4. Payment Terms

4.1 Lead Fees

When you accept a lead on LeadChuck, you agree to pay the lead fee you have set in your profile, plus the applicable platform fee. Lead fees and total costs are displayed before you accept any lead.

4.2 Payment Processing

All payments are processed through Stripe, our third-party payment processor. By using LeadChuck, you agree to Stripe's terms of service.

4.3 Hold Period

Lead fees are subject to a hold period after acceptance. The hold period varies based on the sender's trust level (3 to 30 days). During this period, funds are held to allow for dispute resolution. After the hold period, funds are released to the referring contractor.

4.4 Platform Fees

LeadChuck retains a platform fee (currently 8%) from each transaction. Current fee schedules are available in your account dashboard.

5. Dispute Resolution for Leads

5.1 General Policy

Disputes regarding lead quality are resolved via platform credits, NOT bank refunds or chargebacks. By using LeadChuck, you acknowledge and agree to this credit-based resolution system.

5.2 Dispute Window

Disputes must be submitted within seven (7) days of lead acceptance. Disputes submitted after this window will not be considered.

5.3 Valid Dispute Reasons

Disputes may be filed when:

The lead information was materially inaccurate or fraudulent
The client cannot be contacted using the provided information
The lead was sent to you in error
The lead was a duplicate of one you previously received

5.4 Credit Amounts

The credit amount for approved disputes depends on when the dispute is resolved:

Within hold period: Full credit including the lead fee AND the platform fee
After hold period: Lead fee only; LeadChuck retains the 8% platform fee

5.5 Seller Response Period

When a dispute is filed, the seller (lead originator) has seven (7) days to respond. If no response is received within this period, the dispute is automatically approved and credits are issued to the buyer.

5.6 Dispute Rate Monitoring

LeadChuck monitors dispute rates to maintain platform quality. The following thresholds apply:

20% dispute rate: Warning notification sent to user
30% dispute rate: Automatic admin review required
40% dispute rate: Account suspension pending review

Additionally, users who file five (5) or more disputes within a seven (7) day period will trigger a serial disputer review and may have their account flagged or suspended.

6. Platform Credits

6.1 Issuance

Platform credits are issued as resolution for valid disputes. Credits represent value that can be applied toward future lead purchases on LeadChuck.

6.2 Usage

Credits are automatically applied to future lead purchases. When you have available credits, they will be used before any payment method is charged. Credits are applied in order of issuance (oldest credits are used first).

6.3 Non-Transferability

Platform credits are NOT transferable to other users. Credits are tied to your account and cannot be gifted, sold, or reassigned.

6.4 No Cash Value

Platform credits are NOT redeemable for cash. Credits cannot be withdrawn to your bank account or converted to any form of monetary payment. Credits may only be used for lead purchases on the LeadChuck platform.

6.5 Expiration

Platform credits expire after six (6) months of account inactivity. "Inactivity" is defined as no lead transactions (buying or selling leads) on the Platform. Logging into your account does not constitute activity for purposes of credit expiration.

Warning emails will be sent at the following intervals before credit expiration:

90 days before expiration
30 days before expiration
7 days before expiration

Expired credits are forfeited to the Platform with no compensation. It is your responsibility to use or maintain activity to preserve your credits.

7. Seller Obligations and Debits

7.1 Agreement to Platform Debits

By using LeadChuck as a lead seller, you expressly agree to honor platform-initiated debits to your connected payment method for:

Disputed lead recoveries (when disputes are approved against your leads)
Advertising charges (if applicable)
Any other fees or charges arising from your use of the Platform

7.2 Breach of Contract

Bank rejection, reversal, or dispute of any platform-initiated debit constitutes a breach of this Agreement. This includes, but is not limited to:

Insufficient funds resulting in failed debits
Disputing legitimate platform charges with your bank
Closing or changing bank accounts to avoid debits
Any action intended to prevent LeadChuck from collecting owed amounts

7.3 Consequences of Breach

If a platform debit fails or is reversed, the following consequences apply:

Immediate account suspension: Your account will be suspended until the outstanding balance is resolved
Automated retry attempts: LeadChuck will automatically attempt to collect the owed amount up to three (3) times on days 0, 3, and 6
Self-service reactivation: After all retry attempts have failed, you may reactivate your account by paying the outstanding balance through our self-service portal
Chargeback fee: If you dispute a legitimate platform charge through your bank (chargeback), a $15.00 chargeback fee will be added to your outstanding balance

7.4 Collection

LeadChuck reserves the right to pursue collection of any outstanding amounts through appropriate legal means, including but not limited to collection agencies, small claims court, or other legal proceedings. You agree to pay all costs of collection, including reasonable attorneys' fees.

8. User Responsibilities

As a LeadChuck user, you agree to:

Provide accurate and truthful information in all leads
Only share leads with the client's reasonable expectation of referral
Maintain appropriate business licenses and insurance
Not use the Platform for any unlawful purpose
Not share false, misleading, or fraudulent leads
Not circumvent the Platform to avoid paying lead fees
Respond to leads in a timely and professional manner
Handle all client information with appropriate confidentiality
Maintain a valid payment method capable of receiving debits

9. Prohibited Conduct

You may not use LeadChuck to:

Share leads for services that are illegal or require unlicensed work
Engage in fraud, misrepresentation, or deceptive practices
Harass, abuse, or harm other users
Spam or send unsolicited communications
Attempt to gain unauthorized access to the Platform
Interfere with the proper functioning of the Platform
Collect user information without consent
File frivolous or bad-faith disputes to obtain unwarranted credits

10. Intellectual Property

The LeadChuck name, logo, and all related names, designs, and slogans are trademarks of LeadChuck. You may not use such marks without our prior written permission. All content, features, and functionality of the Platform are owned by LeadChuck and are protected by intellectual property laws.

11. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. LEADCHUCK DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

The Platform will be uninterrupted, secure, or error-free
Any leads shared will result in business opportunities
Other users will fulfill their obligations
The Platform will meet your specific requirements

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEADCHUCK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO LEADCHUCK IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

13. Indemnification

You agree to indemnify, defend, and hold harmless LeadChuck and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Platform, your violation of these Terms, or your violation of any rights of another.

14. Termination

We may terminate or suspend your account and access to the Platform at any time, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Platform will immediately cease.

You may terminate your account at any time by contacting us. Termination does not relieve you of any obligations incurred before termination, including any outstanding balances owed to LeadChuck.

15. Legal Dispute Resolution

Any disputes arising out of or relating to these Terms or the Platform shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation, it shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Tennessee.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Platform after any changes constitutes acceptance of the new Terms.

18. Contact Us

If you have any questions about these Terms, please contact us at:

Email: support@leadchuck.com