Terms of Service

1. Introduction and Acceptance

Welcome to Contractor Money, also known as C-Money, a service operated by Colo Transport Co. ("C-Money," "Company," "we," "us," or "our"). C-Money provides a web-based business management platform designed specifically for independent contractors and small trade businesses, including tools for job management, AI-powered estimate generation, SMS invoicing, scheduling, and business analytics (the "Service" or "Platform").

These Terms of Service ("Terms" or "Agreement") constitute a legally binding agreement between you and Colo Transport Co. governing your access to and use of the Platform, including any content, functionality, and services offered through the website located at c-money.app or any related domains, mobile applications, or other digital properties we operate.

By creating an account, accessing, or using our Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Platform on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Eligibility

To use the Platform, you must be at least 18 years of age and possess the legal capacity to enter into binding agreements. The Platform is intended for business use by contractors and trade professionals in the United States. By accessing the Platform, you represent and warrant that:

• You are at least 18 years old
• You have the legal authority to enter into this Agreement
• You will use the Platform only for lawful business purposes
• All information you provide to us is accurate, current, and complete
• You will comply with all applicable federal, state, and local laws and regulations

3. Account Registration and Security

3.1 Creating an Account

To access certain features of the Platform, you must create an account by providing your name, email address, business information, and other requested details. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to use a strong, unique password and to notify us immediately of any unauthorized access to or use of your account. We recommend enabling any available security features. C-Money is not liable for any losses arising from unauthorized use of your account.

3.3 Account Ownership

The individual who registers the account is designated as the account owner and has full administrative rights, including the ability to add or remove users, modify settings, and cancel the account. If you are registering on behalf of a business, the business entity shall be considered the beneficial owner of the account and all data therein.

4. Description of Service

4.1 Platform Features

C-Money provides a suite of business management tools designed for independent contractors and small trade businesses. Our Platform may include, but is not limited to:

• Job scheduling and management
• AI-powered estimate generation
• Invoice creation and SMS delivery
• Customer relationship management
• Business analytics and reporting
• Contractor-specific calculators and tools
• Payment tracking and management

4.2 Service Modifications

We reserve the right to modify, update, suspend, or discontinue any aspect of the Platform at any time, with or without notice. We will make reasonable efforts to notify you of material changes that may affect your use of the Service. Your continued use of the Platform following any changes constitutes your acceptance of such changes.

4.3 Service Availability

While we strive to maintain continuous availability, we do not guarantee uninterrupted access to the Platform. The Service may be temporarily unavailable due to scheduled maintenance, system updates, or circumstances beyond our control. We are not liable for any interruption or cessation of service.

5. Subscription Plans, Fees, and Payment

5.1 Subscription Plans

C-Money offers subscription-based access to the Platform. Current pricing and plan details are available on our website. We may offer free trials, promotional pricing, or different service tiers at our discretion.

5.2 Billing and Payment

By subscribing to a paid plan, you authorize us to charge your designated payment method for the applicable subscription fees. Subscription fees are billed in advance on a recurring basis (monthly or annually, depending on your selected plan). You are responsible for providing accurate and current payment information.

5.3 Automatic Renewal

5.4 Price Changes

We reserve the right to modify our pricing at any time. We will provide you with at least 30 days' notice before any price increase takes effect. Your continued use of the Platform after a price change becomes effective constitutes your agreement to pay the updated fees.

5.5 Refunds

Subscription fees are generally non-refundable. No refunds or credits will be provided for partial subscription periods, unused features, or early termination, except as required by applicable law or as expressly stated in promotional offers.

5.6 Taxes

All fees are exclusive of applicable taxes. You are responsible for all taxes, levies, and duties imposed by taxing authorities on your use of the Platform, excluding taxes based on C-Money's income.

6. User Content and Data

6.1 Your Content

You retain ownership of all content, data, and materials you upload, submit, or transmit through the Platform ("User Content"), including customer information, job details, estimates, invoices, and business records. You are solely responsible for the accuracy, quality, and legality of your User Content.

6.2 License to C-Money

By submitting User Content to the Platform, you grant C-Money a non-exclusive, worldwide, royalty-free license to use, copy, process, display, and transmit your User Content solely as necessary to provide and improve the Service. This license includes the right to create aggregated, anonymized, or de-identified data for analytics, benchmarking, and product development purposes.

6.3 Customer Data

Any customer information you enter into the Platform remains your property and responsibility. You represent that you have obtained all necessary consents from your customers to collect, store, and process their information through the Platform in accordance with applicable privacy laws.

6.4 Data Backup

While we implement reasonable measures to protect your data, you acknowledge that you are responsible for maintaining independent backups of your User Content. We are not liable for any loss or corruption of data.

7. Artificial Intelligence Features

7.1 AI-Powered Tools

The Platform may include artificial intelligence and machine learning features, such as automated estimate generation, pricing suggestions, and business insights ("AI Features"). These features are designed to assist your business operations but are not a substitute for professional judgment.

7.2 AI Limitations

AI-generated outputs are provided for informational purposes only. You acknowledge that:

• AI outputs may contain errors, inaccuracies, or omissions
• You are solely responsible for reviewing and verifying all AI-generated content before use
• AI Features do not constitute professional, legal, financial, or accounting advice
• C-Money makes no guarantees regarding the accuracy or suitability of AI outputs for any particular purpose

7.3 AI Data Usage

Information you provide in connection with AI Features may be used to improve our AI models and algorithms. Such usage will be in accordance with our Privacy Policy and will employ appropriate safeguards to protect your information.

8. Communications and Messaging

8.1 SMS and Electronic Communications

The Platform may enable you to send SMS messages, emails, or other electronic communications to your customers. You are solely responsible for the content and legality of all communications you send through the Platform, and you represent that you have obtained all necessary consents from recipients.

8.2 Compliance

You agree to comply with all applicable laws governing electronic communications, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and any state or local regulations. You are responsible for maintaining appropriate consent records and honoring opt-out requests.

8.3 Communications from C-Money

By creating an account, you consent to receive communications from C-Money, including service announcements, administrative messages, and promotional offers. You may opt out of promotional communications at any time, but you cannot opt out of essential service-related messages.

8.4 SMS Appointment Notifications Program

Program Name

C-Money Appointment Notifications

Description

When you use C-Money to send SMS messages to your customers, those messages may include appointment reminders, scheduling confirmations, technician arrival notifications, rescheduling alerts, and job completion updates.

Message Frequency

Message frequency varies based on scheduled service appointments. Customers typically receive 1-5 messages per appointment.

Message and Data Rates

Message and data rates may apply. Recipients should contact their wireless carrier for details about their messaging plan.

Opt-Out

Recipients may unsubscribe from SMS messages at any time by replying STOP to any message. After opting out, they will receive a confirmation message and no further texts will be sent from that campaign.

Help

For assistance, recipients may reply HELP to any message or contact us at support@c-money.app.

Consent

You are responsible for obtaining proper consent from your customers before sending SMS messages through the Platform. By using our SMS features, you represent that you have obtained all necessary consents in compliance with applicable laws, including the Telephone Consumer Protection Act (TCPA).

9. Acceptable Use Policy

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You shall not:

• Use the Platform for any illegal or unauthorized purpose
• Violate any applicable laws, regulations, or third-party rights
• Upload content that is unlawful, harmful, threatening, abusive, defamatory, or otherwise objectionable
• Attempt to gain unauthorized access to the Platform, other accounts, or any systems or networks
• Interfere with or disrupt the Platform or servers or networks connected to the Platform
• Use any automated means to access the Platform, including bots, scrapers, or crawlers
• Reverse engineer, decompile, or disassemble any aspect of the Platform
• Resell, sublicense, or provide access to the Platform to third parties without authorization
• Use the Platform to send spam or unsolicited communications
• Impersonate any person or entity or misrepresent your affiliation
• Engage in any activity that could damage, disable, or impair the Platform

10. Intellectual Property Rights

10.1 C-Money Property

The Platform, including all software, content, features, functionality, designs, graphics, trademarks, and other intellectual property, is owned by Colo Transport Co. or its licensors and is protected by copyright, trademark, and other intellectual property laws. Except as expressly authorized, you may not copy, modify, distribute, sell, or lease any part of the Platform.

10.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your internal business purposes. This license does not include the right to sublicense, modify, or create derivative works based on the Platform.

10.3 Feedback

If you provide us with suggestions, ideas, or feedback regarding the Platform ("Feedback"), you grant us an unrestricted, perpetual, royalty-free license to use, modify, and incorporate such Feedback into our products and services without any obligation to you.

11. Third-Party Services and Integrations

The Platform may integrate with or provide links to third-party services, applications, or websites. Your use of any third-party services is subject to the terms and privacy policies of those third parties. C-Money does not endorse, control, or assume responsibility for any third-party services, and we are not liable for any harm or losses arising from your use of such services.

If you choose to connect third-party services to your account, you authorize us to access and exchange data with those services as necessary to enable the integration. You are responsible for reviewing the terms and privacy practices of any third-party services you use.

12. QuickBooks Online Integration

12.1 Authorization and Access

When you connect your QuickBooks Online account to Contractor Money, you authorize us to access and interact with your QuickBooks data on your behalf. By connecting your account, you grant us permission to:

• Access your QuickBooks company information, customer records, and product/service catalog
• Read your existing invoices and payment records
• Create and update invoices in QuickBooks when you send them through our platform
• Record payments in QuickBooks when you log them in Contractor Money
• Create customer records in QuickBooks for customers you add in our platform
• Store OAuth connection credentials securely to maintain the integration

12.2 How the Integration Works

The QuickBooks integration uses OAuth 2.0 authentication, which means we never store your QuickBooks username or password. When you connect:

• You'll be redirected to Intuit's secure login page
• After you authorize access, QuickBooks provides us with secure access tokens
• We use these tokens to sync data automatically when you perform actions in Contractor Money
• Invoices sync to QuickBooks when you send them to customers
• Payments sync to QuickBooks when you record them

12.3 Your Responsibilities

When using the QuickBooks integration, you agree to:

• Ensure you have proper authorization to connect the QuickBooks account
• Review synced data for accuracy and completeness
• Maintain your own backups of critical financial data
• Comply with QuickBooks Online's terms of service and Intuit's policies
• Notify us immediately if you discover any sync errors or data discrepancies

12.4 Data Control and Disconnection

You maintain full control over the QuickBooks integration:

• You can disconnect QuickBooks at any time from your Contractor Money settings
• You can revoke access through your Intuit account settings
• Disconnecting stops all future syncing but does not delete data already synced to QuickBooks
• We recommend consulting with your accountant before disconnecting if you have active synced invoices

12.5 Limitations and Disclaimers

Important: We provide the QuickBooks integration as a convenience feature but are not responsible for:

• QuickBooks Online service availability, downtime, or performance issues
• Data sync errors caused by QuickBooks API limitations, rate limits, or changes
• Accounting accuracy, financial reporting, or tax compliance
• Changes to QuickBooks' API or features that may affect integration functionality
• Data loss or corruption in QuickBooks resulting from the sync process

Not Accounting Advice: The QuickBooks integration is a data sync tool only. We do not provide accounting, bookkeeping, tax, or financial advice. Consult with your accountant or financial advisor for accounting and tax matters.

12.6 Compliance with Intuit Requirements

Our QuickBooks integration complies with Intuit's developer and branding guidelines. Intuit and QuickBooks are registered trademarks of Intuit Inc. We are not affiliated with, endorsed by, or sponsored by Intuit Inc.

13. Payment Processing

If the Platform offers payment processing features, such services are provided through third-party payment processors. Your use of payment processing features is subject to the terms, conditions, and privacy policies of those processors. C-Money is not a payment processor and is not responsible for the processing, authorization, or settlement of transactions.

You are solely responsible for all disputes, chargebacks, refunds, and issues arising from transactions with your customers. You agree to comply with all applicable payment card industry standards and regulations.

14. Disclaimers

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

15. Limitation of Liability

Some jurisdictions do not allow the limitation or exclusion of liability for certain damages, so some of the above limitations may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless C-Money and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your access to or use of the Platform
• Your User Content
• Your violation of these Terms
• Your violation of any rights of a third party
• Your communications with your customers through the Platform
• Any dispute between you and your customers

17. Dispute Resolution and Arbitration

17.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact us at legal@c-money.app to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 60 days of receiving your notice.

17.2 Binding Arbitration

If we are unable to resolve a dispute informally, you and C-Money agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator in Denver, Colorado, or another mutually agreed location.

17.3 Class Action Waiver

17.4 Jury Trial Waiver

17.5 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to us at legal@c-money.app within 30 days of first agreeing to these Terms. Your notice must include your name, address, email address, and a clear statement that you wish to opt out of the arbitration agreement.

17.6 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights. Claims eligible for small claims court may also be brought in such court.

18. Termination

18.1 Termination by You

You may cancel your account and terminate these Terms at any time by using the cancellation feature in your account settings or by contacting us at support@c-money.app. Cancellation will be effective at the end of your current billing period, and you will not be entitled to a refund for any unused portion of your subscription.

18.2 Termination by C-Money

We may suspend or terminate your access to the Platform at any time, with or without cause, and with or without notice. Grounds for termination may include, but are not limited to, breach of these Terms, non-payment of fees, suspected fraudulent or illegal activity, or extended periods of inactivity.

18.3 Effect of Termination

Upon termination, your right to use the Platform will immediately cease. We may delete your account data after a reasonable retention period. Sections of these Terms that by their nature should survive termination shall remain in effect, including but not limited to intellectual property provisions, disclaimers, limitations of liability, indemnification, and dispute resolution.

19. Governing Law and Jurisdiction

These Terms and any dispute arising out of or relating to these Terms or the Platform shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. Subject to the arbitration agreement above, any legal action or proceeding shall be brought exclusively in the state or federal courts located in Denver, Colorado, and you consent to the personal jurisdiction of such courts.

20. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Effective Date" at the top of these Terms and notify you by email or through the Platform. Your continued use of the Platform after any changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Platform.

21. General Provisions

21.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and C-Money regarding the Platform and supersede all prior agreements and understandings.

21.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

21.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of C-Money.

21.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. These Terms shall bind and inure to the benefit of the parties and their permitted successors and assigns.

21.5 Force Majeure

C-Money shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemics, labor disputes, government actions, or failures of third-party services or infrastructure.

21.6 Notices

We may provide notices to you through the Platform, by email to the address associated with your account, or by other reasonable means. Notices to C-Money should be sent to the contact information below.

21.7 Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and C-Money. You have no authority to bind C-Money or make commitments on our behalf.

22. Contact Information

If you have questions about these Terms or need to contact us for any reason, please reach out to us at:

© 2026 Colo Transport Co. All rights reserved.