Verification Badge Disclaimer

This Verification Badge Disclaimer explains what the JobDeposit Verified Pro trust badge (🛡 Verified pro) means, which verification checks are required to earn and keep it, how it connects to our approved business bank account payout rule, and its limitations. It is part of our Terms of Service and supplements the Contractor Agreement.

1. The three verification checks required for the Verified Pro badge

A Contractor on JobDeposit is awarded the Verified Pro trust badge (badge === true) only when all three of the following onboarding verification checks pass with "verified" status:

1. State/local contractor license check (license): the Contractor submitted a state or local trade license number (licenseNo) in a supported service-area state (licenseState within SERVICE_STATES) that passed format and available licensing-source checks for the Contractor's selected trades and service ZIP codes.
2. Commercial general liability insurance check (insurance): the Contractor submitted a commercial general liability insurance policy / Certificate of Insurance (insurancePolicy) that passed our active-policy check and is not marked expired.
3. Business entity & federal EIN check (business): the Contractor submitted a legal business name (businessName) and federal Employer Identification Number (ein in XX-XXXXXXX format) that passed our business-registration / TIN verification check.

If any one of the three checks is "pending", "failed", or requires "manual_review", the Verified Pro badge is not granted.

2. Badge expiration, revocation, and effect on leads and payouts

• Expiration and ongoing checks: each verification check records a verification timestamp (checkedAt) and expiration date (expiresAt). If a Contractor's insurance policy or license expires, lapses, or is suspended, the Verified Pro badge is revoked (badge: false).
• Lead matching requires an active badge: only Contractors with an active Verified Pro badge in the requested trade and eligible ZIP code receive matched Homeowner leads (see the Lead Generation Terms).
• Approved business bank account & payout rule: a Contractor must hold an active Verified Pro badge before linking a payout bank account, and must link a business bank account whose account holder business name matches the Contractor's verified legal business name (businessName) (bank.status === "approved"). Milestone payment payouts are blocked unless both the Verified Pro badge and the approved business bank account are active (see the Payment & Funds-Holding Terms and Contractor Agreement).

3. What the Verified Pro badge does NOT mean

The Verified Pro badge is not an endorsement, guarantee, warranty, certification, bond, or insurance policy from JobDeposit. Specifically, the badge does not mean that JobDeposit:

• Guarantees, warrants, endorses, or certifies the quality, workmanship, safety, code compliance, or timeliness of a Contractor's work;
• Confirms that a Contractor's license classification covers your specific project scope, contract value, or municipal permit requirements;
• Guarantees that the Contractor's insurance policy remains in force on the day work is performed, has sufficient coverage limits for your project, or will pay any particular claim; or
• Has conducted a criminal background check on the Contractor's owners, employees, or subcontractors (unless expressly stated otherwise).

4. Homeowner diligence and reporting

Licenses and insurance coverage can lapse or change after our check date. Before funding a held deposit or allowing work to begin, Homeowners should independently verify the Contractor's license status with their state or local licensing board ([STATE LICENSING BOARD DIRECTORY PLACEHOLDER]), confirm required building permits, and request a current Certificate of Insurance directly from the Contractor's insurer.

To report a concern about a Contractor displaying a Verified Pro badge, contact [SUPPORT EMAIL].