Customer Payment Integrity Notice

B&L Labor Services LLC (and its partner network) participates in an industry-wide “Payment Integrity Network” designed to reduce fraud, late payments, and chargebacks among verified home service providers.

By requesting service, you acknowledge and authorize that limited, non-identifiable information about your payment performance (such as timely payment, late payment, or non-payment) may be securely shared with other verified service providers solely for the purpose of determining appropriate payment terms and fraud prevention.

No personal details such as your address, financial data, or private communications are publicly displayed. You may dispute or request correction of any record associated with your transactions by contacting support@bllaborservices.com.

This process ensures fairness, accuracy, and accountability for both customers and contractors.

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1. TERMS OF USE 

Payment Risk network powered by B&L LABOR SERVICES LLC is hereby referred to as P.R.N.

1. Acceptance of Terms

By creating an account or using P.R.N. (“the Service”), you agree to these Terms of Use. If you do not agree, do not use the Service.

2. Who the Service Is For

The Service is intended only for legitimate service providers (contractors, vendors, installers, home service companies, movers, cleaners, etc.) who are evaluating payment risk and setting job terms (for example, requiring deposits).

You confirm that:

• You are using this data for your actual business.

• You are not a private individual using this to stalk, harass, or collect personal dirt about someone.

3. What the Service Does

The Service allows:

• Contractors to record the outcome of jobs (paid on time / late / unpaid / chargeback).

• Contractors to view a summarized risk recommendation (for example: “Require deposit,” “Cash only,” etc.) for a potential customer based on previously reported payment behavior.

The Service does not provide general background checks, credit scores, or personal financial history. It is not a consumer credit report.

4. Your Responsibilities

You agree that you will NOT:

• Post insults, accusations of crimes, or personal attacks about any customer.

• Upload full personal data like SSNs, bank info, card numbers, birthdates, photos of IDs, etc.

• Upload photos that reveal minors, health info, or other private life details.

• Use information from the Service to publicly shame or harass any individual.

You agree that any job record you submit will be:

• Truthful and accurate to the best of your knowledge.

• Strictly about business/payment outcome (not personal lifestyle or opinions).

5. Dispute / Correction

Any individual whose transaction history is referenced in the system has the right to request a review or correction.

If a record is disputed:

• The record may be marked as “Disputed by Customer.”

• Access to that record may be limited while reviewed.

• We may request supporting proof from the reporting contractor (invoice, signed estimate, messages showing refusal to allow repair, etc.).

You agree to cooperate honestly if we ask for supporting documents.

6. No Public Posting

Information from this Service may not be re-posted publicly (social media, Google reviews, Nextdoor, etc.). It is for internal business use only to decide your payment terms and scheduling risk.

You agree not to turn the Service into a “blacklist” on the internet.

7. Compliance and Law

You understand and agree:

• We are not a “consumer reporting agency.”

• Our data is advisory and may contain errors.

• You must make your own decision about whether to accept a job, collect deposits, or refuse service.

You are responsible for following all laws in your state related to deposits, refunds, and contractor licensing.

8. Limitation of Liability

The Service is provided “AS IS.” We do not guarantee:

• Accuracy or completeness of records,

• That a customer will pay you,

• That using the Service will prevent losses.

To the fullest extent allowed by law, P.R.N. and its owners, officers, and affiliates are not liable for lost revenue, chargebacks, negative reviews, labor costs, material costs, or any indirect or consequential damages.

9. Account Termination

We may suspend or terminate any account that:

• Submits false or malicious information,

• Abuses the platform to target or harass customers,

• Tries to scrape or resell data.

We may also suspend access to entries under investigation.

10. Membership / Billing

If you subscribe to a paid tier, you authorize us to charge your chosen payment method on a recurring basis until you cancel.

No refunds are guaranteed for partial periods.

11. Changes to Terms

We can update these Terms at any time. Continued use of the Service after changes means you accept the new Terms.

2. PRIVACY POLICY 

1. What We Collect

We collect information from:

• Contractors/vendors when they create accounts (business name, EIN, phone, email).

• Contractors/vendors when they log job outcomes (“paid on time,” “paid late,” “no pay,” etc.).

• System usage (logins, lookups, timestamps).

We may also internally store limited customer identifiers (for example: phone number, email, ZIP code) strictly to match repeat behavior across multiple contractors. This matching info is not publicly searchable and is only shown back as a summarized “risk / recommended terms” result.

2. What We DO NOT Intentionally Collect

We do not want or ask for:

• Social Security numbers

• Bank account numbers

• Credit card numbers

• Driver’s license photos

• Medical / health info

• Photos of minors

• Racial, religious, or other protected-class info

If you upload any of that, you are violating the Terms of Use.

3. How We Use the Data

We use the data to:

• Generate payment reliability signals (for example: “High chargeback risk – require deposit”).

• Help contractors choose terms (cash up front, deposit %, etc.).

• Detect fraud patterns (repeat no-pays across multiple companies).

• Improve security and prevent abuse.

4. Who Can See the Data

Access is restricted:

• Only verified contractors on the platform can request a risk read for a specific job lead they are considering.

• Contractors do NOT get to browse an open list of names or addresses.

• We do not sell lists of “bad customers.”

• We do not allow public posting or SEO indexing of customer records.

We may share data with service providers we use to run the platform (hosting, payment processing, analytics). Those providers are under confidentiality obligations.

We will share information if required by law, subpoena, court order, or to prevent fraud/violence.

5. Your Right to Dispute / Correct

If you believe information about you (as a homeowner or client) is inaccurate:

• Email support@bllaborservices.com with your name, service address ZIP code, and the contractor you worked with.

• We will review the record, request proof from the reporting contractor, and mark the record as “Disputed” while investigating.

• You may submit a written statement which will be attached to that record for future lookups.

We do not erase factual payment events without review, but we will correct or remove data that cannot be supported.

6. Data Retention

We keep contractor account data and job/payment outcome data as long as needed for:

• Fraud prevention,

• Legal defense,

• Platform improvement.

We may anonymize and keep statistical trends (for example “late payment rate in ZIP 27217 for $1k+ projects”) even if your account is deleted.

7. Security

We use commercially reasonable security measures including:

• Credentialed access control,

• Encryption in transit,

• Segregated storage for direct personal identifiers,

• Activity logging for lookups.

No system is 100% secure. You use this Service at your own risk.

8. Children

This Service is not intended for anyone under 18. We do not knowingly collect data about minors as “customers.”

9. Updates

We may update this Privacy Policy. If we make material changes to what we collect or how we share, we will notify active contractor accounts.