Terms of Service

Last Updated: April 30, 2026

Previous version: Terms of Service v2.0 (effective April 20, 2026)

1. Agreement to Terms

Welcome to Plumb. These Terms of Service ("Terms") govern your access to and use of the Plumb platform, including our website, applications, and services (collectively, the "Service") operated by Plumb Software Inc., a Delaware corporation ("Plumb," "we," "our," or "us").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.

You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

2. Description of Service

Plumb provides a construction project management and payment platform that enables:

• Project Management: Create and manage construction projects, including budgets, timelines, and milestones
• Work Order Management: Create, assign, and track work orders with defined scopes and payment schedules
• Payment Processing: Facilitate milestone-based payments between contractors, subcontractors, and clients
• Contractor Network: Connect with and manage relationships with subcontractors and service providers
• Financial Tracking: Monitor project finances, budgets, and payment history

3. User Accounts

3.1 Account Creation

To use certain features of the Service, you must register for an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

3.2 Account Types

Plumb offers different account types:

• Contractor Accounts: For general contractors who manage projects and work orders
• Subcontractor Accounts: For subcontractors who receive work order assignments and payments
• Client Accounts: For homeowners or project owners who view project progress and make payments

3.3 Account Termination

We may suspend or terminate your account at our sole discretion, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

4. Payment Terms

4.1 Subscription Fees

Access to the Plumb platform requires a paid subscription. Subscription plans and pricing are available on our website. By subscribing to a paid plan, you agree to pay all applicable fees.

• Subscription fees are billed in advance on a monthly or annual basis
• All fees are non-refundable except as required by law
• We reserve the right to change subscription fees upon 30 days’ notice
• Additional transaction fees may apply for payment processing (see your plan details)

4.2 Stripe (Card Payments and Billing)

Plumb uses Stripe to process credit and debit card payments and to bill subscription fees. By using our card payment features:

• You agree to Stripe’s Connected Account Agreement and Services Agreement, which are incorporated into these Terms by reference.
• You authorize Plumb to transfer your information to Stripe as necessary to process payments. Plumb’s transfer of your information to Stripe is subject to our Privacy Policy.
• You are responsible for the accuracy of payment information and recipient details.
• Payment processing times are subject to Stripe’s policies and banking procedures.

4.3 Straddle (ACH Payments)

Plumb uses Straddle Payments, Inc (“Straddle”), a Nacha-registered Third-Party Sender with offices at 1001 Bannock St Suite 405, Denver CO 80204, to process ACH debits and credits for bank-to-bank payments between contractors, subcontractors, and their clients. By using our ACH payment features:

• When you initiate an ACH transaction through the platform, you authorize Straddle to execute the debit or credit you initiated and for Plumb to transfer the information necessary to complete the transaction between our systems.
• You agree to Straddle’s published terms, available at https://legal.straddle.com/, which are incorporated into these Terms by reference. When you link a bank account through Straddle, Straddle separately requires its own electronic communications consent under its Electronic Communication Disclosure at https://legal.straddle.com/electronic-communication-disclosure-11.
• ACH transactions are governed by the Nacha Operating Rules and applicable U.S. law. Authorization for each ACH transaction is captured electronically at the time you initiate or schedule the payment, in the form required by Nacha.
• Return and dispute windows differ by account type. Debits to business bank accounts (typically transmitted under Nacha’s CCD or corporate SEC codes) are subject to a two (2) Banking Day unauthorized-return window after the Settlement Date of the entry. Debits to consumer bank accounts (typically transmitted under Nacha’s WEB SEC code) are subject to a sixty (60) day dispute window after the Settlement Date of the entry, under Regulation E and the Nacha Operating Rules.
• Settlement times for ACH transactions are subject to Straddle’s policies and standard banking procedures and are typically longer than card settlement times.

4.4 Electronic Disclosures and Signatures

By accepting these Terms, you consent to use electronic records and electronic signatures in connection with your Plumb account and all transactions initiated through the Service. This consent is provided under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. §§ 7001–7031) and applicable state uniform electronic transactions acts.

Scope of consent. Your consent applies to these Terms and to all other agreements, authorizations, records, notices, and disclosures Plumb may provide to you through the account relationship — including updates to these Terms of Service and the Privacy Policy, payment authorizations, payment confirmations, fee disclosures, receipts, tax documents, and account notices. Each individual ACH payment authorization you provide through the Service is captured electronically under this consent.

Hardware and software requirements. To access and retain electronic records provided by Plumb, you will need:

• An internet-connected device (computer, tablet, or smartphone)
• A current web browser with cookies and JavaScript enabled
• A valid email address capable of receiving messages from Plumb
• Software capable of viewing PDF documents
• Sufficient storage to retain records you wish to save

If Plumb changes its hardware or software requirements in a way that materially affects your ability to access or retain records, Plumb will notify you and offer you the opportunity to withdraw your consent without penalty.

Paper copies. You may request a paper copy of any electronic record at no charge by emailing legal@buildwithplumb.com. Plumb will send the paper copy to the mailing address associated with your account (or another address you provide in writing).

Withdrawing consent. You may withdraw your consent to electronic records at any time by emailing legal@buildwithplumb.com. Because the Plumb platform operates entirely through electronic communications, withdrawing your consent will require closing your Plumb account. Withdrawal of consent does not affect the legal validity of electronic records delivered or signed before the withdrawal takes effect.

Keeping your contact information current. You agree to keep your email address, mailing address, and other contact information current in your Plumb account, and to notify Plumb promptly of any changes. Plumb is not responsible for electronic records that are not received because your contact information is out of date.

4.5 ACH Authorization

When you initiate, schedule, or set up a recurring ACH payment through the Plumb platform, you are providing your authorization for Plumb (together with its payment processor, Straddle) to debit or credit the bank account you have linked to your Plumb account, in accordance with the terms shown to you at the time of authorization. This authorization is governed by the Nacha Operating Rules and applicable U.S. law.

Your role as Originator. When you collect funds through an ACH debit initiated on the platform, you accept your role as the Originator as that term is defined in the Nacha Operating Rules. As the Originator, you are responsible for obtaining each payer’s (the Receiver’s) consent to debit or credit their bank account in the form and manner required by the Nacha Operating Rules. Plumb acts as the platform through which the Receiver’s authorization is captured on your behalf; Straddle acts as the Nacha-registered Third-Party Sender.

Information captured at authorization. Each ACH authorization captured through the Plumb platform will display, at the time of consent:

• Whether the authorization is for a single entry, for recurring entries, or for a standing authorization covering one or more subsequent entries to be initiated by the Receiver’s affirmative action
• The amount of the entry or entries, or (for variable-amount entries) the method by which the amount will be determined
• The timing of the entries, including the start date, the number of entries, and the frequency
• The name or identity of the Receiver being debited
• The account to be debited, identified by bank name and the last four digits of the account number, together with whether the account is a demand deposit (checking) or savings account
• The date of the Receiver’s authorization and express language authorizing Plumb and Straddle to electronically debit the account and, if necessary, to electronically credit the account to correct an erroneous debit
• Instructions for revoking the authorization, including the email address and any other contact information by which the Receiver may notify you (as Originator) of the revocation

Standing authorizations. For standing authorizations — where a single advance authorization covers multiple future payments each initiated by the Receiver’s affirmative action — Plumb retains (i) a copy of the original standing authorization for at least two (2) years following its termination or revocation, and (ii) proof of the Receiver’s affirmative action initiating each subsequent entry for at least two (2) years following the Settlement Date of that entry, in each case as required by the Nacha Operating Rules.

Account validation. Before the first debit against a newly linked bank account, Straddle validates that the account is legitimate, open, and able to receive ACH transfers, as required by Nacha’s Web Debit Account Validation Rule.

Revocation. You may revoke any ACH authorization by visiting your saved payment methods in the Plumb app and selecting “Cancel authorization,” or by emailing support@buildwithplumb.com. Revocation must be communicated with sufficient time to provide Plumb a reasonable opportunity to act on the revocation before the next scheduled debit. Plumb will use best efforts to act on a revocation request before the next scheduled debit occurs. Revocation does not affect transactions that have already been initiated.

Changes to amount or timing. If the amount of a scheduled debit entry to a consumer account will differ from the amount of the immediately preceding entry under the same authorization, or from a preauthorized amount, Plumb will provide the Receiver with written notification of the new amount and the date on or after which the entry will be debited, at least ten (10) calendar days prior to the scheduled debit date. If Plumb changes the scheduled date on or after which a debit entry is to be initiated, Plumb will notify the Receiver at least seven (7) calendar days before the first such entry is scheduled to be debited. Variations in scheduled dates resulting from Saturdays, Sundays, or holidays are not considered changes to the scheduled date.

4.6 ACH Transaction Fees

Plumb’s subscription fees are described in §4.1. Each subscription plan includes a set number of ACH transactions per billing cycle at no additional charge. ACH transactions processed beyond the included quota incur a flat per-transaction fee that depends on your subscription plan, as disclosed at the time of payment. Plumb does not charge a percentage-of-volume fee on ACH transactions. All fees are presented to you before you confirm a payment, and no fees beyond those disclosed will be charged for that transaction.

The current fee schedule — including the per-plan transaction quotas and the per-transaction overage fees — is published on our pricing page and in your Plumb account billing settings. Plumb may change the fee schedule on thirty (30) days’ notice, and any change will apply only to transactions initiated after the effective date of the change.

4.7 Refund and Cancellation Policy for End-Customer Payments

Subscription fees paid by Plumb account holders are non-refundable except as required by law (see §4.1). End-customer payments processed through the platform (for example, a homeowner paying a general contractor) are subject to the following:

• Authorized payments that complete successfully are not automatically refundable by Plumb. Refund requests must be initiated by the receiving party (the contractor or subcontractor receiving the funds) through the platform.
• Unauthorized debits to consumer bank accounts are subject to Regulation E and the Nacha Operating Rules. Consumers may dispute an unauthorized debit through their bank for up to sixty (60) days after the transaction date.
• Unauthorized debits to business bank accounts (under the CCD or corporate SEC codes) are subject to a two (2) business day dispute window under the Nacha Operating Rules.
• Erroneous transactions initiated by Plumb (for example, a system error duplicating a charge) will be reversed by Plumb at no cost to the affected party upon discovery.

4.8 Chargebacks and Liability

If a payment received by you (the "Recipient") is later reversed by the payer’s bank as an unauthorized or disputed debit, or is returned through the Nacha Operating Rules for any other reason, you remain responsible for the reversed amount together with any associated bank or processing fees. By accepting these Terms, you authorize Plumb (and its payment processor) to initiate one or more ACH debit entries against your Plumb-linked bank account for the amount of any chargeback, return, or reversal, plus any associated fees, for the purpose of effecting such recovery. This authorization is continuous through the later of (i) the termination of your Plumb account or (ii) the resolution of all pending or potential chargebacks on payments you received through the platform. You may revoke this authorization only after the applicable dispute windows described below have expired and no pending chargeback remains.

You agree to maintain sufficient funds in your Plumb-linked bank account to cover potential chargebacks. Because ACH dispute windows differ by account type under Regulation E and the Nacha Operating Rules, the period for which you must maintain reserve capacity depends on the type of payment received:

• Consumer payments (received under Nacha’s WEB SEC code from a personal bank account): at least sixty (60) days from each such payment received.
• Business payments (received under Nacha’s CCD or corporate SEC codes from a business bank account): at least two (2) business days from each such payment received.

You agree to indemnify Plumb against any losses, fees, or penalties resulting from chargebacks, returns, or reversals on payments you initiated or received through the platform, except to the extent such losses, fees, or penalties result from Plumb’s negligence, willful misconduct, or material failure of Plumb’s own systems or processes.

Plumb may, at its discretion and in coordination with its payment processor, direct that a portion of incoming payments be held as a reserve against potential chargebacks for new accounts or for accounts that Plumb identifies as having elevated chargeback risk. Any such reserve will be released according to a schedule communicated to the affected user through the Plumb app or by email.

4.9 Plumb’s Role as a Platform

Plumb is a software platform that connects general contractors, subcontractors, and clients. Plumb never holds, controls, or accesses end-user funds at any point in the payment lifecycle. Plumb is not a bank, money transmitter, or money services business (as that term is defined by 31 C.F.R. §1010.100(ff)) and does not require a Money Transmitter License.

Payments initiated through the platform are processed by Plumb’s licensed payment processors:

• Card payments and subscription billing are processed by Stripe under Stripe’s Connected Account Agreement, which is entered into directly between Stripe and the recipient. Plumb’s role in card flows is limited to facilitating the connected account relationship.
• ACH payments are processed by Straddle, a Nacha-registered Third-Party Sender. ACH funds initiated through the platform flow through Straddle’s For Benefit Of (FBO) account held at Valley National Bank, which acts as Straddle’s sponsor bank and Originating Depository Financial Institution (ODFI) for ACH transactions. Plumb is not the account holder of the FBO account and does not direct disbursement instructions outside the Nacha Operating Rules. Plumb’s ACH transactions are processed under Straddle’s Third-Party Sender structure.

For each ACH debit initiated through the platform, the Originator under the Nacha Operating Rules is the Plumb account holder receiving the payment (the contractor, subcontractor, or other recipient). Plumb acts as the platform facilitating authorization capture on the Originator’s behalf, and Straddle acts as the Third-Party Sender; neither Plumb nor Straddle is the Originator of the debit.

4.10 Disputes Between Users

Plumb is not a party to contracts between contractors, subcontractors, and clients. We are not responsible for:

• The quality, safety, or legality of work performed
• Disputes over work scope, quality, or completion
• Non-payment or delayed payment between parties
• Breach of contract between users

Users are encouraged to resolve disputes directly. Plumb may, at its discretion, provide information to assist in dispute resolution but is under no obligation to do so.

5. User Conduct

You agree not to use the Service to:

• Violate any applicable laws, regulations, or third-party rights
• Engage in fraud, money laundering, or other financial crimes
• Submit false, misleading, or inaccurate information about projects or work
• Harass, abuse, or harm other users
• Interfere with or disrupt the Service or servers connected to the Service
• Attempt to gain unauthorized access to any part of the Service or other accounts
• Use the Service for any purpose other than its intended use
• Circumvent any content-filtering techniques we employ
• Use automated means (bots, scrapers, etc.) to access the Service without permission

5.1 Prohibited Business Activities

Because Plumb’s services are processed through regulated payment partners (Stripe for cards and Straddle for ACH), certain business activities are not permitted on the platform. You agree not to use Plumb for, or on behalf of, a business engaged in any of the following categories:

• Sanctioned jurisdictions or persons. Any person or entity located in, resident of, or a citizen of a jurisdiction subject to sanctions maintained by the US Office of Foreign Assets Control (OFAC), the US Department of Commerce Denied Persons or Entity Lists, or United Nations sanctions; and any business providing accounting, trust and corporate formation, management consulting, architecture, or engineering services to any person located in the Russian Federation.
• Illegal activities. Any activity prohibited by applicable federal, state, or local law at the location where the business or customer is located.
• Adult content, services, or entertainment. Prostitution, escort services, adult live chat, adult video stores, gentlemen’s clubs, strip clubs, pornography, and similar establishments.
• Gambling and related activities. Casinos, sports betting, lotteries, fantasy sports for money, and charity sweepstakes or raffles conducted for fundraising purposes.
• Regulated substances. Drug paraphernalia; cultivation, distribution, or dispensing of marijuana or cannabis products, including CBD products with THC levels above local legal limits; tobacco, e-cigarettes, and vaping products; pseudo-pharmaceuticals making unsupported health claims.
• Firearms, explosives, and dangerous materials. Firearms, ammunition, explosives, fireworks, disguised knives, research chemicals, and toxic or radioactive materials.
• Fraudulent or deceptive practices. Pyramid schemes, multi-level marketing compensation structures, “get rich quick” schemes, predatory lending or investment schemes, identity theft protection services, document falsification services, and any practice contravening rules of the Federal Trade Commission or Consumer Financial Protection Bureau.
• Intellectual property infringement. Counterfeit goods, unauthorized sale of branded or designer products, or unauthorized sale or distribution of copyrighted or licensed materials.
• Financial services and payment aggregation. Money transmission, money services business activities, debt collection, debt settlement, credit repair, check cashing, currency exchange, payment facilitation on behalf of third parties, ATMs, neobanks, or similar.
• Cryptocurrency and digital assets. Cryptocurrency mining, staking, initial coin offerings, NFT sales, cryptocurrency exchanges, or similar digital asset activities.

Plumb’s payment processors publish the complete and authoritative lists of prohibited and restricted business types. For Straddle, see https://legal.straddle.com/prohibited-and-restricted-businesses-10. For Stripe, see https://stripe.com/legal/restricted-businesses. Your use of Plumb constitutes your representation that you are not engaged in any activity on these lists.

Certain business activities — including construction services provided to marijuana or cannabis dispensaries, telemedicine, federally licensed firearms dealers, and travel operators — are permitted only following additional due diligence and prior written approval from Plumb. If you believe your business may fall into a restricted category, please contact legal@buildwithplumb.com before onboarding.

Plumb may, at its discretion and at any time, suspend or terminate your account pursuant to §3.3 upon becoming aware that your business or use of the platform involves any activity on these lists.

6. Intellectual Property

6.1 Our Intellectual Property

The Service and its original content, features, and functionality are owned by Plumb Software Inc. and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. Our trademarks and trade dress may not be used without our prior written consent.

6.2 Your Content

You retain ownership of any content you submit, post, or display on the Service ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content solely for the purpose of providing and improving the Service.

You represent and warrant that:

• You own or have the right to use and share all User Content
• Your User Content does not infringe on the rights of any third party
• Your User Content complies with these Terms and all applicable laws

7. Disclaimer of Warranties

Plumb does not warrant that:

• The Service will function uninterrupted, secure, or error-free
• The results obtained from using the Service will be accurate or reliable
• The quality of the Service will meet your expectations
• Any errors in the Service will be corrected

8. Limitation of Liability

9. Indemnification

You agree to defend, indemnify, and hold harmless Plumb Software Inc. and its affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to:

• Your violation of these Terms
• Your User Content
• Your use of the Service
• Your violation of any third-party rights
• Any dispute between you and another user of the Service

10. Governing Law and Dispute Resolution

10.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, United States, without regard to its conflict of law provisions.

10.2 Arbitration

10.3 Class Action Waiver

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

12. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Plumb Software Inc. regarding the Service and supersede all prior agreements and understandings, whether written or oral.

14. Contact Us

If you have any questions about these Terms, please contact us: