1. Independent Business Status
This Contractor Marketplace Agreement is between Completa LLC d/b/a Completa and the contractor business or sole proprietor accepted onto the platform. Contractor must operate as an independent business responsible for taxes, insurance, licensing, tools, materials, labor, supervision, safety, jobsite conduct, customer interactions, work quality, and legal compliance.
Contractor is not a Completa employee, agent, general agent, joint venturer, franchisee, or Completa subcontractor. Contractor may accept or decline opportunities subject to platform rules and may maintain non-Completa customers and business activities, including bona fide pre-existing customer relationships.
2. Incorporated Launch Documents
This Contractor Marketplace Agreement incorporates the contractor's applicable launch documents, including: platform documents (Marketplace Platform Agreement, Marketplace Platform Agreement Supplement, Master General Provisions Addendum, Acceptable Use Policy, Privacy Policy, Privacy Rights and Data Governance Supplement, AI/OCR/Data Use Disclosure, and AI Provider Reconciliation Addendum); contractor onboarding documents (Contractor Agreement Supplement, No-Subcontracting Policy, Contractor Verification Policy, Contractor Insurance Requirements, Insurance Minimums and COI Supplement, Workers Compensation/Non-Subscriber/Sole Proprietor Attestations, Workers Compensation Proof and Attestation Supplement, Background Check Authorization, FCRA Standalone Consumer Report Disclosure, FCRA Background Check Disclosure Bundle, Investigative Consumer Report Disclosure, and Background Check Adverse Action Process); crew documents (Crew Member / Authorized User Terms and Crew Permission and Authorized User Supplement); and economic/tax documents (Contractor Fee Schedule, Contractor Fee Reserve Payout Supplement, Stripe Connect and Contractor Payout Authorization Terms, and Tax, 1099, and Sales Tax Disclosure). The Master General Provisions Addendum controls governing law, dispute resolution, class waiver, limitation of liability, indemnification, no-agency, force majeure, notices, survival, severability, and precedence unless a more specific signed project document controls the specific issue.
3. Launch Jurisdiction Gate
At launch, Completa projects are enabled only for Texas project addresses unless Completa expressly enables another approved jurisdiction in the platform. Customers may not request, and contractors may not accept or perform, projects outside approved jurisdictions through Completa. A project cannot proceed to SOW signature, payment authorization, work start, or contractor payout unless the project address is in an active approved jurisdiction and the required state legal addendum, tax treatment, contractor licensing matrix, sales-tax/marketplace rules, SOW notices, payment-fee rules, privacy/breach rules, and internal launch approval gates are complete.
4. Employees, Crew, and No Subcontracting
Contractor may perform Completa projects using only contractor's own owners, W-2 employees, and approved crew members operating under contractor's account. Contractor may not subcontract, assign, delegate, sell, transfer, outsource, or pass off any Completa project, SOW obligation, milestone, change order, diagnostic visit, inspection, repair, installation, or customer-service obligation to a third-party business or subcontractor. At launch, Completa does not approve third-party subcontractors for on-platform work; the contractor business that accepted the project must perform the work through its owners, W-2 employees, or approved crew under the same contractor account, insurance, and verification structure.
Any person who accesses the app, views project or customer data, messages customers, uploads photos, enters customer property for a Completa project, provides progress updates, or participates in dispute evidence must accept Crew Member / Authorized User Terms before participation. Contractor remains responsible for all crew actions, omissions, safety, privacy, data use, work quality, and customer conduct.
5. Verification and Screening
Completa Verified is a composite marketplace eligibility status, not a guarantee. At launch, Completa background checks contractor owners/account principals only. Field crew members are not all individually background checked at day one, and contractor must not claim otherwise.
During field-crew screening rollout, Completa may require identity verification and background checks for field crew members who enter customer property, perform on-site work, or interact with customers in the field, using the Background Check Authorization, FCRA Standalone Consumer Report Disclosure, and FCRA Background Check Disclosure Bundle. Contractor must not permit anyone to participate in a Completa project if contractor knows, or reasonably should know based on available records, prior incidents, license/insurance status, customer complaints, safety history, fraud indicators, or other documented facts, that the person presents a safety, fraud, theft, violence, harassment, licensing, insurance, or customer-trust risk.
Contractor must provide license information where required, insurance documents, workers' compensation proof or non-subscriber/no-coverage attestation, and sole proprietor/no-employee attestations where applicable. Missing, expired, unknown, or unverified required credentials may block onboarding, matching, work start, or payouts.
6. Project Work, Materials, and Change Orders
Every paid project requires a signed SOW or SOW-Lite/Service Order accepted by customer and contractor before work starts. Contractor may review a Completa Estimate before accepting and may submit a contractor-reviewed project price or require diagnostic-first handling. After acceptance, contractor may not unilaterally change price, milestones, materials, scope, or completion criteria.
Contractor is responsible for procuring all materials required to complete the approved scope unless a specific written exception is stated in the SOW. Customer may approve selections, finishes, upgrades, and allowances, but standard Completa projects do not make customer responsible for purchasing project materials. Any material change affecting price, scope, timeline, warranty, availability, or installation requirements requires an approved in-platform Change Order before purchase or installation.
7. Fees, Payouts, Reserves, and Connect
For standard marketplace projects, contractor pays the contractor platform fee disclosed in the Contractor Fee Schedule and frozen in the project commercial terms snapshot at booking or SOW acceptance. At launch, the marketplace contractor fee uses the V10/v2 tier schedule: Rising Pro pays 5% on the first $5,000 of contractor-facing project value and 3% above $5,000; Pro pays 4% / 2%; Experienced Pro pays 3% / 1%; Verified Pro pays 2.5% / 0.5%. The Founding Pro taper applies to contractor fees only: 0% during days 0-60 after eligible signup, 2% during days 61-90, 3.5% during days 91-120, and the contractor's full tier schedule after day 120, unless a signed account-specific addendum states otherwise. Customer-facing service fees, Quick Book fees, sales tax, credits, ACH-first rail treatment, and customer-paid card/payment-processing treatment are separate line items and do not change the contractor tier schedule.
A customer-paid Card Processing Fee or Payment Processing Fee is not contractor revenue, not a contractor platform fee, not a contractor commission, and does not increase contractor payout unless a signed project-specific or account-specific addendum expressly says otherwise. ACH payment processing may delay final funding confirmation; contractor payout eligibility requires successful payment, not merely ACH processing.
Completa holds a risk-tiered cash reserve from milestone gross funded amount before the contractor payout transfer is released. The first/deposit milestone is reserve-exempt. Later milestones use the reserve policy snapshot frozen on the milestone: 3%, 5%, 8%, or 10% cash reserve depending on the job type, risk tier, and approved scope. The routine cash reserve period is seven (7) calendar days after milestone approval or valid auto-approval. Active disputes, chargebacks, suspected fraud, safety issues, prohibited subcontracting, unresolved compliance issues, or legal/payment holds may hold up to 100% of the affected amount through a separate hold record rather than changing the routine cash reserve window.
Completa Connect projects are contractor-originated, Completa payment-enabled projects. They carry no Completa platform fee, no contractor platform fee, and no contractor commission. Connect processing is contractor-paid; there is no customer-paid processing for Connect. The selected rail processing-cost deduction is not a Completa platform fee or contractor commission. Contractor must still keep SOW, payment, milestone release, change orders, disputes, warranty, and related records on-platform for the specific Connect project and related scope.