Terms of Service

Version 1.2

Effective September 14, 2026

Terms of Service

BuilderMatch™

Effective September 14, 2026 · Version 1.2

These terms are the agreement between you and Steel Grey Media, LLC, a Nebraska limited liability company doing business as BuilderMatch™ ("BuilderMatch," "we," "us"), covering your use of buildermatch.app.

By creating an account or using the service, you agree to them. If you do not agree, do not use the service.

We have written this in plain English on purpose. It is still a contract, and it still means what it says.

1. What BuilderMatch™ is

BuilderMatch™ is an introduction service. We match homeowners with builders, remodelers, and lenders based on the details of a project, and we make it possible for them to contact one another.

That is the entire service. Everything below follows from it.

2. What BuilderMatch™ is not

We are not a contractor. We do not perform, supervise, manage, schedule, or inspect construction work of any kind. We hold no contractor license and we do not act as a general contractor, construction manager, or owner's representative.

We are not a lender or a mortgage broker. We do not originate, broker, service, or fund loans. We do not take applications, we do not counsel anyone on loan selection, and we receive no compensation for referring anyone to a lender.

We are not a real estate agent or broker. We do not represent buyers or sellers and we do not participate in the sale of property.

We are not a party to any agreement you reach. Any contract between a homeowner and a firm, or between a borrower and a lender, is entirely between those parties. We are not a signatory, a guarantor, a surety, an escrow agent, or a mediator.

We take no percentage of any project. Firms pay a flat monthly fee to participate. We are not paid per lead, per introduction, per closed job, or per loan.

We give no professional advice. Nothing on BuilderMatch™ is construction advice, engineering advice, financial advice, investment advice, tax advice, or legal advice.

3. What we do not promise

We do not promise any outcome.

To homeowners: we do not promise that any firm will respond, quote, accept your project, complete it competently, complete it at all, or honor any warranty. We do not promise that any lender will approve you.

To firms: we do not promise any number of inquiries, any quality of inquiry, or that any inquiry will become work.

Matching is a recommendation, not a judgment. Match order reflects how well a firm's stated capabilities fit the project details you entered. It is not a ranking of quality, competence, honesty, or financial condition, and it should never be treated as one.

We do not vet workmanship. See Section 5.

4. Your responsibilities

Give accurate information. Match quality depends entirely on what you enter. A budget or project description that is not accurate produces matches that are not useful.

Do your own diligence. Before hiring anyone or borrowing anything, verify licensing and insurance yourself with the issuing authority, check references, read the contract, and get the terms in writing. Our verification does not replace any of that.

Be at least 18. The service is for adults. Do not use it if you are under 18.

Use it for its purpose. Do not scrape it, copy its listings, use it to send unsolicited marketing, impersonate anyone, interfere with its operation, or attempt to access accounts or data that are not yours.

One listing per market. A builder, remodeler, or lender may maintain one listing in each market where it participates, and each market listing carries its own subscription.

A market is a metropolitan or micropolitan statistical area as defined by the United States Census Bureau, built from whole counties, and divided at state lines where a Census area spans more than one state. Markets never overlap. Markets are listed in the app, and the market a homeowner belongs to is determined by their project's ZIP code.

Where a firm has signed a founding member agreement that defines a market differently, that agreement governs for that firm.

Registration is checked per state. A firm appears only for projects in states where we have verified its registration or licensing, whatever market the project sits in. A Census area that crosses a state line is two markets, and reaching the other side requires both a listing there and registration in that state.

Creating more than one listing in the same market is a violation of these terms, whatever the reason, including operating multiple offices, brands, divisions, or subsidiaries within that market. A homeowner belongs to one market and must never see the same firm twice in one set of results.

Where a firm operates across several markets, it may hold a listing in each, subject to a separate subscription for each. The number of offices, branches, or locations a firm operates does not affect what it pays. What is charged for is the market, not the building.

5. What "verified" means, exactly

Where a firm shows a Verified badge, it means that on the date shown, an administrator reviewed documents provided by that firm and confirmed a contractor registration and proof of insurance, or for a lender, licensing and NMLS registration.

It means nothing more than that.

It is not an endorsement. It is not an inspection of anyone's work. It is not a review of anyone's finances, solvency, litigation history, or complaint record. It is not a statement that the registration or insurance remains current after the date shown.

We take reasonable care in that review. We do not guarantee that documents provided to us are authentic or complete.

6. Information supplied by firms

Prices, price ranges, service areas, minimums, timelines, capabilities, lot availability, loan products, and everything else on a firm's profile comes from that firm.

We pass it along. We do not independently verify it, and we do not warrant that it is accurate, current, or complete. A price range on a profile is not an offer, a quote, or a binding commitment.

The same applies to a lender's profile. Loan products listed are what that institution says it offers. We display no rates, APR, points, or terms, and nothing in the financing section is an offer of credit or a commitment to lend.

7. Reviews

Reviews are written by homeowners, not by us.

Reviews may only be submitted by a homeowner who contacted a firm through BuilderMatch™ on a project recorded as complete. One review per project.

Reviews are the opinion of the person who wrote them. We do not verify the accuracy of what a review says. We do not adopt, endorse, or take responsibility for its contents.

When you post a review, you confirm it reflects your own genuine experience, and you grant us a non-exclusive, royalty-free license to display it and to keep displaying it.

What gets removed, and what does not, is published at buildermatch.app/review-policy. Removal decisions are ours, they are made against those published criteria, and a firm's membership status is never a factor.

A firm may post one public response to any review of it.

8. Financing information

Where you tell us you have not sorted out financing, we show explanatory content about loan types and a list of lenders whose products fit your project.

Those lenders pay a flat monthly fee to appear. That fee does not change based on whether you contact them, and we receive nothing if you do. Their placement is labeled as sponsored wherever it appears.

We do not send your information to any lender. If you contact one, you are dealing with that institution directly from that point forward, under their terms and their privacy practices.

The explanatory content is general information, not advice about your situation.

9. Fees, for participating firms

Builders, remodelers, and lenders pay a flat monthly fee per market to participate. Current rates are published in the app.

The fee is the same for every firm of a given type within a market, regardless of that firm's size, revenue, or number of locations. A firm participating in three markets pays three subscriptions.

There is no paid placement. We do not sell featured positions, sponsored slots in match results, or any other way to rank above a better-fitting firm, and we will not introduce one.

No per-lead pricing. Not per inquiry, per contact, per closed job, or per loan.

When billing starts. On the first day of the month after a listing is added, in every market. The remainder of the month in which a firm joins is not charged.

How payment is taken. Builders and remodelers pay by card through a hosted checkout page operated by our payment processor, and manage that card through the processor's own portal. Lenders are invoiced on thirty-day terms. We never see or store card numbers.

Fees are exclusive of any taxes that may apply.

Rate changes. We may change standard rates on thirty days' written notice. Email counts. A firm that does not accept a change may cancel before it takes effect and owes nothing further.

Cancel any month. No contract, no minimum term, no penalty.

Cancellation takes effect at the end of the month in which notice is given. The listing stays live until that date and is not charged again. We do not prorate or refund part of a month, in either direction, which is the same rule that means a firm is not charged for the part of the month in which it joins.

If a card payment fails. We retry the payment over fourteen days and email the firm on the first day, the seventh, and the twelfth. The listing stays fully live throughout.

On the fifteenth day, if the payment has still not succeeded, the listing pauses: it appears in no new match results and receives no new inquiries. Every conversation already open stays open. Payment restores everything at once, including any founding rate. After sixty days paused, the listing is treated as canceled.

If an invoice goes unpaid. We send a reminder on the due date and a second at forty days. At forty-five days the placement pauses: it appears in no new results and receives no new confirmation requests, while any confirmation request already open stays open and can still be answered. Payment restores everything at once. After ninety days the placement is treated as canceled.

We charge no late fees and no interest.

Where a firm has signed a separate founding member agreement, that agreement governs its rate and takes precedence over this section for that firm.

10. Your content

You keep ownership of what you submit: your project details, your messages, your photos, your reviews, your profile.

You grant us a non-exclusive, worldwide, royalty-free license to store, display, and transmit that content as needed to operate the service. For anything you publish on a public profile or in a review, that license extends to displaying it publicly.

You confirm you have the right to submit what you submit, including any photographs.

We may use aggregated and anonymized data, for example typical price ranges across all firms in a market, in ways that do not identify you.

11. Our content

BuilderMatch™, the name, the software, the matching logic, the design, and the written content of the service belong to Steel Grey Media, LLC.

You may not copy, scrape, reproduce, or create derivative works from the service, or use our name or mark, without written permission.

12. Suspension and termination

You may stop at any time. Close your account, or ask us to.

We may suspend or close an account that violates these terms, that we reasonably believe is fraudulent or unlawful, or that misuses the service. Where practical we will say why and give an opportunity to correct it.

If a firm's account closes, its listing comes down. Messages already exchanged with a homeowner remain in that homeowner's records, because they belong to that person too.

13. Disclaimer of warranties

The service is provided as is and as available.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the service will be uninterrupted, error free, secure against every threat, or that any defect will be corrected.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

14. Limitation of liability

We are not liable for the acts or omissions of any firm, lender, or homeowner you meet through BuilderMatch™. That includes defective work, abandoned projects, delays, cost overruns, property damage, injury, non-payment, fraud, denial of credit, and any dispute between you and them.

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost business, or lost data, arising out of or relating to the service, even if we have been advised such damages are possible.

Our total liability to you for any claim arising out of or relating to the service is limited to the greater of the amount you paid us in the twelve months before the claim arose, or one hundred dollars.

Nothing in these terms limits liability that cannot be limited by law, including liability for fraud, for our own gross negligence or willful misconduct, or for death or personal injury caused by our negligence.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

15. Indemnity

You agree to indemnify and hold harmless Steel Grey Media, LLC and its members, officers, and agents from any claim, loss, liability, or expense, including reasonable legal fees, arising out of your use of the service, your content, your breach of these terms, or your dealings with any firm, lender, or homeowner you met through the service.

16. Disputes between users

If you have a dispute with a firm, a lender, or a homeowner, it is between you and them. We are not a party to it and we are not obligated to resolve it.

We may, at our discretion, provide records of what happened on our platform, and we may take account action against a user whose conduct violates these terms. Neither is a commitment to intervene in any particular case.

17. Changes to these terms

We may change these terms. When we do, we will post the revised version with a new effective date and notify account holders. Your account record stores which version you accepted, so it is always possible to establish what you agreed to.

Continuing to use the service after a change means the revised terms apply. If you do not agree, close your account.

18. Governing law and venue

These terms are governed by the laws of the State of Nebraska, without regard to its conflict of laws rules.

Any dispute arising out of or relating to these terms or the service will be brought exclusively in the state or federal courts located in Lincoln, Lancaster County, Nebraska, and you consent to the jurisdiction of those courts.

19. General

Entire agreement. These terms, together with the Privacy Policy and the Review Policy, are the entire agreement between us on this subject and replace anything said beforehand. A firm that has signed a founding member agreement is also governed by that agreement, which controls where it conflicts with these terms.

Severability. If any part of these terms is unenforceable, the rest still stands.

No waiver. If we do not enforce a provision, that is not a waiver of it.

Assignment. You may not assign these terms. We may assign them in connection with a merger, acquisition, or sale of the business.

No third-party beneficiaries. Nobody other than you and us has rights under these terms.

20. Contact

Steel Grey Media, LLC Lincoln, Nebraska hello@buildermatch.app