HomeTrust Business Partner Agreement

Effective Date: 08/21/2026

Last Updated: 08/21/2026

This Business Partner Agreement ("Agreement") supplements and is incorporated into the HomeTrust Terms of Service ("ToS"). It governs your use of the HomeTrust platform ("Platform") as a business, contractor, or service provider ("Business," "you"). Capitalized terms not defined here have the meaning given in the ToS. If this Agreement conflicts with the ToS on a matter specific to Businesses, this Agreement controls.

By creating or maintaining a Business account, you agree to this Agreement.

1. Relationship of the Parties

You are an independent business. Nothing in this Agreement or your use of the Platform creates an employment, agency, partnership, franchise, or joint-venture relationship between you and HomeTrust. Specifically:

• You are not an employee, agent, partner, franchisee, or representative of HomeTrust for any purpose, including tax, labor, or benefits purposes;
• You have no authority to bind HomeTrust or to make representations on HomeTrust's behalf;
• You control the manner and means by which you perform your services, including your own employees, subcontractors, equipment, and schedule; and
• HomeTrust does not direct, supervise, or control the performance of your services.

HomeTrust does not enter into, and is not a party to, any service contract, quote, estimate, or agreement between you and a Homeowner. Any such agreement is solely between you and the Homeowner.

2. Your Sole Responsibility

As between you and HomeTrust, you are solely responsible for:

• The quality, safety, timeliness, and workmanship of your services;
• Obtaining and maintaining all licenses, permits, bonds, and registrations required to lawfully perform your services in every jurisdiction where you operate;
• Obtaining and maintaining adequate insurance, including general liability and, where applicable, workers' compensation coverage (see Section 6);
• Your employees, subcontractors, and any other personnel you engage, including their conduct, qualifications, and compliance with applicable law;
• Setting your own pricing, and preparing and communicating your own estimates and quotes;
• The terms of, and your performance under, any contract you enter into with a Homeowner;
• Any warranty you offer on your work or products;
• Any property damage, personal injury, or other loss arising from your work;
• Your own tax obligations, including income, payroll, and sales tax as applicable; and
• Compliance with all applicable federal, state, and local laws and regulations, including consumer protection, contractor licensing, and building-code requirements.

HomeTrust does not review, supervise, or guarantee your compliance with the above, except as described in Section 5 (Credential Verification).

3. Your Representations and Warranties

You represent and warrant, on an ongoing basis, that:

• All information in your Business profile, including licensing, insurance, service area, pricing, and services offered, is accurate, current, and not misleading;
• You hold all licenses, permits, and insurance required to perform the services you list, and will promptly update your profile and notify HomeTrust if any lapse, are suspended, or are revoked;
• You have the right to use any photos, logos, or other content you upload, and that content does not infringe any third party's rights;
• You will not misrepresent your identity, business name, or affiliation; and
• You are not barred by law or contract from providing the services you list.

4. Listings, Quotes, and Contact Information

You are responsible for the accuracy of your listing and for any quote, estimate, or message you send through the Platform. Contact information you receive through the Platform (including Homeowner names, addresses, phone numbers, or messages) may be used only to respond to that Homeowner's request and to perform work you are engaged to do. You may not:

• Sell, rent, or otherwise disclose Homeowner contact information to third parties;
• Use Homeowner contact information for marketing unrelated to a specific request, or add Homeowners to a marketing list without separate consent obtained outside the Platform; or
• Continue contacting a Homeowner after they have asked you to stop.

5. Trust Score and Credential Verification

HomeTrust may display an informational Trust Score and credential-verification indicators (such as "license verified" or "insurance verified") on your profile, as described in ToS Section 7. You acknowledge that:

• The Trust Score is HomeTrust's own informational output, not a guarantee, certification, or endorsement of your business;
• "Verification" means HomeTrust reviewed documentation you submitted as of a point in time, and does not mean HomeTrust continuously monitors or guarantees your credentials remain valid; and
• HomeTrust may request updated documentation at any time and may lower your Trust Score, remove a verification indicator, or suspend your account if you fail to provide it or if HomeTrust determines a credential has lapsed or was inaccurate.

You may not represent to Homeowners or the public that HomeTrust "approves," "certifies," or "endorses" your business beyond the specific indicators HomeTrust displays on your profile, and you may not alter, obscure, or misrepresent your Trust Score or verification status outside the Platform.

6. Insurance

You must maintain, at minimum, commercial general liability insurance in an amount adequate for the services you offer, and any additional coverage required by law for your trade (such as workers' compensation if you have employees). You must provide proof of insurance upon request and promptly notify HomeTrust if a policy lapses, is cancelled, or is not renewed. Failure to maintain required insurance is grounds for suspension under Section 9.

7. Reviews

Reviews of your business are governed by the Review & Content Policy. In addition to that policy, you specifically agree not to:

• Offer money, discounts, free services, or other incentives to a customer in exchange for a positive review, or in exchange for removing or not posting a negative one;
• Threaten, intimidate, or retaliate against a customer for a negative review;
• Post, or arrange for anyone affiliated with your business (including employees, owners, or family members) to post, a review of your own business;
• Post a negative review of a competitor; or
• Pay for or solicit fake reviews in any form.

Violations may result in review removal, Trust Score impact, and account suspension or termination, and may be reported as required by applicable law, including the FTC's rule on consumer reviews and testimonials.

8. Subscriptions and Billing

Paid subscription tiers ("Core," "Pro," or as HomeTrust may offer from time to time) are billed as described at checkout and in your account billing settings, and are governed by ToS Section 8. Subscription fees do not entitle you to any guaranteed number of leads, quote requests, or hires.

9. Suspension and Termination

In addition to the grounds in ToS Section 15, HomeTrust may suspend or terminate your Business account for: providing false or misleading licensing, insurance, or profile information; failure to maintain required insurance or licensure; a pattern of Homeowner complaints; review manipulation; misuse of Homeowner contact information; or any conduct that HomeTrust reasonably believes creates risk to Homeowners or the Platform. Where practicable, HomeTrust will provide notice and an opportunity to cure minor or first-time issues before suspension.

10. Indemnification

You agree to indemnify, defend, and hold harmless HomeTrust and its managers, members, officers, employees, and agents from any claim, liability, damage, loss, or expense (including reasonable attorneys' fees) arising from or related to: (a) your services, including any claim by a Homeowner regarding workmanship, safety, pricing, or contract performance; (b) your breach of this Agreement or the ToS; (c) your licensing, insurance, or regulatory compliance (or failure thereof); or (d) any injury to person or property arising from your work or that of your personnel or subcontractors.

11. Disclaimer; Limitation of Liability

The disclaimers and limitations of liability in ToS Sections 11–12 apply to this Agreement. In particular, HomeTrust is not responsible for the acts, omissions, representations, warranties, services, products, workmanship, conduct, pricing, licensing, insurance, or performance of any Business, including you.

12. Term; Survival

This Agreement remains in effect for as long as you maintain a Business account. Sections 2, 5–7, and 10–11 survive termination of your account or this Agreement.

13. Incorporation of Terms of Service

This Agreement incorporates by reference the ToS in full, including its dispute-resolution, governing-law, and general provisions (ToS Sections 14 and 17).