Terms of Service

1. Acceptance of terms

These Terms of Service ("Terms") are a binding agreement between you and Insta Inc ("Insta," "we," "us") governing your use of the Insta family of apps, the website at instainc.org and related services (together, the "Services"). By creating an account, booking a service or otherwise using the Services, you agree to these Terms and to our Privacy Policy. Customers also accept the Client Service Agreement & Liability Waiver when they book, and pros accept the Independent Contractor Agreement when they apply. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services. You confirm that the information you give us is accurate and complete.

3. The Insta platform

Insta is an online marketplace that connects customers with independent service professionals ("pros"). Insta does not itself perform services, and pros are independent contractors — not employees or agents of Insta.

Before a pro is approved on the platform, we verify their identity and review a background-check result. We cannot guarantee the results of those checks or any pro's conduct, work quality, timing, licensing or insurance, and Insta does not provide insurance for the work pros perform. Pros are responsible for their own equipment, licenses and insurance.

4. Your account

• You are responsible for the accuracy of your account information and for keeping your login credentials secure.
• You are responsible for all activity under your account. Tell us promptly about any unauthorized use.
• You can delete your account in the iOS app (Profile → Delete Account) or by emailing management@instainc.org.

5. Bookings, quotes and fees

• Quotes — prices are based on the details you enter (such as home size, hours, add-ons and schedule). If the actual job differs from what you entered, the price may be adjusted with your agreement.
• Service fee — we add a service fee of 11.5% of the quote. You see the quote, the fee and your total before you pay. Custom quotes that we send you are all-in; no additional fee is added at checkout.
• Booking and payment — when you confirm and pay for a booking, you authorize us and Stripe to charge the total shown. Bookings that are paid by card must start at least 4 hours from the time you book.
• Requesting a pro — if no pro is currently available for a service, you can request one instead. A request is not a booking: nothing is charged until we confirm a pro and a price with you and you agree to it.
• Recurring plans — if you choose a weekly, bi-weekly or monthly plan, your card is saved and charged automatically for each visit. After each completed visit we book and charge the next one until you cancel. Cancelling your next visit ends the plan.
• Scheduling — arrival windows are estimates and can be affected by traffic, weather or pro availability.

6. Cancellations and refunds

• Free cancellation up to 24 hours before the start time — if your booking's start time is at least 24 hours away and work has not started, you can cancel in the app or on the website and we refund everything you paid. Credit applied to the booking is returned to your balance.
• Inside 24 hours, or once your pro is on the way — we cannot cancel it in the app. Email management@instainc.org and we will handle it case by case. We do not currently charge a late-cancellation fee; if that changes we will tell you before it applies to you.
• If no pro accepts your booking — if no pro has accepted a paid booking by 2 hours before its start time, we cancel it and refund you in full automatically.
• Refund timing — refunds go back to your original payment method; how long they take to appear depends on your bank or card issuer.
• Problems with a service — if a service is not completed as described, tell us within 72 hours of the service at management@instainc.org. We will review it and, at our discretion, may arrange a re-service or a partial or full refund. Property damage must be reported within 48 hours (see the Client Service Agreement).

7. Payments

• Payments are processed by Stripe. By providing a payment method you authorize us and Stripe to charge it for the services you book and any applicable taxes and fees.
• Prices are in U.S. dollars. You are responsible for any applicable taxes.
• Tips, where offered in the app, are charged separately from the service price and passed on to the pro.
• Chargebacks made without first contacting us may result in account suspension.

8. Referral credits

Give $50, get $50 — a $50 credit applied as $5 off each booking of $40+. Your friend gets it at signup; you get yours after their first paid booking.

Referral credits are promotional discounts, not cash: they cannot be withdrawn or transferred, apply at most once per qualifying booking, and expire 12 months after they are issued. We may withhold or reverse credits we believe were obtained through fraud or abuse (for example, referring yourself), and we may change or end the program at any time.

9. Pros

Pros are independent contractors who choose which jobs to claim and set their own means and methods, subject to our Independent Contractor Agreement. Pros are paid the job price less our service fees, shown in the pro's dashboard before they claim a job, and payouts are made through Stripe after the job is marked complete. We may suspend or remove pros who violate these Terms or receive repeated poor ratings.

10. User conduct and reporting

You agree not to:

• use the Services for any unlawful, fraudulent or harmful purpose;
• harass, threaten, discriminate against or harm any pro, customer or Insta staff, or post content that is abusive, hateful, sexual or otherwise objectionable;
• arrange or pay for services off-platform to avoid fees;
• interfere with, disrupt, reverse-engineer or try to gain unauthorized access to the Services; or
• provide false information or impersonate others.

You can report a user or content, and block a user, from the iOS app; for urgent safety concerns email management@instainc.org. We review reports and remove users who post objectionable content or abuse others.

11. Reviews and content

You may submit content through the Services, such as booking notes, chat messages, ratings and reviews. You are responsible for your content and confirm you have the right to share it. By submitting content you give Insta a non-exclusive, worldwide, royalty-free license to use, display and distribute it in connection with operating and promoting the Services. We may remove content that violates these Terms.

12. Disclaimers

13. Limitation of liability

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless Insta and its affiliates from claims, damages, liabilities and expenses (including reasonable legal fees) arising out of your use of the Services, your content, your violation of these Terms, or your violation of any law or the rights of a third party.

15. Dispute resolution and binding arbitration

Please read this section carefully — it affects your legal rights.

Informal resolution first. Before starting a formal proceeding, contact us at management@instainc.org and try to resolve the dispute informally for at least 30 days.

Binding arbitration. Except as provided below, any dispute, claim or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable rules, rather than in court. Arbitration will take place in Nashville, Tennessee, or another mutually agreed location, and judgment on the award may be entered in any court with jurisdiction.

Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property or prevent unauthorized access to the Services.

30-day opt-out. You may opt out of this arbitration agreement by emailing management@instainc.org within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

16. Governing law

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provision above. Subject to that provision, the state and federal courts located in Davidson County, Tennessee have exclusive jurisdiction over any dispute not subject to arbitration.

17. Termination

You may stop using the Services and delete your account at any time. We may suspend or end your access at any time, with or without notice, if we believe you have violated these Terms or to protect the Services or other users. Sections that by their nature should survive termination (including payment obligations, disclaimers, limitation of liability, indemnification and arbitration) will survive.

18. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the Services or by other means and update the effective date above. Your continued use of the Services after the changes take effect means you accept the revised Terms.

19. Contact