Last updated August 26, 2026
These Terms of Service ("Terms") govern your use of Monie Safe ("Monie Safe," "we," "us"). By creating an account or using the platform, you agree to these Terms. If you do not agree, do not use Monie Safe.
Monie Safe is a technology platform that connects consumers, contractors, and independent licensed attorneys to facilitate home-improvement projects with a legal escrow agreement. Monie Safe is not a party to any contract formed between users, does not perform contracting work, does not practice law, and does not hold or transmit escrow funds. Escrow funds are held by an independent, separately licensed escrow agent outside of Monie Safe's own accounts. Attorneys who draft agreements or resolve disputes through Monie Safe are independent licensed professionals, not employees or agents of Monie Safe, and any attorney-client relationship is between the attorney and the user, not with Monie Safe.
You must be at least 18 years old and able to form a binding contract to use Monie Safe. You are responsible for the accuracy of the information you provide, for keeping your login credentials secure, and for all activity that occurs under your account. Contractor accounts are responsible for accurately representing their licensing status; Monie Safe may verify license information with the relevant state authority before displaying a "Licensed" badge.
Monie Safe charges a platform fee, calculated as a percentage of the project's escrow amount, disclosed to the consumer before payment. Separate flat fees apply for the attorney who drafts the escrow agreement and the escrow agent who holds and releases funds; these amounts are disclosed before you fund a contract. Fees are collected via our payment processor at the time escrow is funded and are non-refundable except as required by law or as described in Section 6.
Escrow agreements drafted through Monie Safe are signed electronically. By signing, you agree that your electronic signature is the legal equivalent of a handwritten signature and that you intend to be legally bound by the agreement's terms. You are responsible for reading the full agreement, including the scope of work and any additional terms, before signing.
Once both parties sign, the consumer funds escrow. The escrow amount is held by the assigned escrow agent and is released to the contractor only upon the consumer's approval of completed work (or a portion of work, for projects using staged/milestone payments), or pursuant to a dispute ruling under Section 6. Monie Safe is not responsible for delays or failures in fund transfer caused by the escrow agent, the consumer's or contractor's bank, or our payment processor.
If a disagreement arises about completed work, either party may open a dispute. The assigned attorney will review evidence submitted by both parties and issue a ruling directing the escrow agent to release funds to the contractor, return funds to the consumer, or split the funds between them. Both parties agree that the attorney's ruling on the disposition of escrow funds is final and binding as between the consumer and contractor.
You agree not to:
Violation of this section may result in suspension or termination of your account under Section 13, and Monie Safe reserves the right to report unlawful conduct to law enforcement or relevant licensing authorities.
MONIE SAFE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. Monie Safe does not warrant that the platform will be uninterrupted, secure, or error-free, that any contractor's work will meet your expectations, or that any attorney's drafting, advice, or dispute ruling will be free of error. You use Monie Safe, and rely on any contractor's work or attorney's ruling, at your own risk.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONIE SAFE AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATING TO YOUR USE OF MONIE SAFE, THE CONDUCT OF ANY OTHER USER, THE QUALITY OF ANY CONTRACTED WORK, OR THE ADVICE OR RULINGS OF ANY INDEPENDENT ATTORNEY, EVEN IF MONIE SAFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. MONIE SAFE'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE PLATFORM FEES YOU PAID ON THE TRANSACTION GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Monie Safe and its officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with: your use of the platform; your violation of these Terms; your violation of any law or the rights of a third party; the work you perform or contract for through the platform; or content you submit, post, or transmit through Monie Safe.
This section applies to disputes between you and Monie Safe (it does not apply to disputes between users over a project, which are handled under Section 6). Before filing a claim against Monie Safe, you agree to first contact us at support@moniesafe.com and attempt to resolve the dispute informally for at least 30 days.
If a dispute is not resolved informally, you and Monie Safe agree that it will be resolved by binding individual arbitration under the rules of the American Arbitration Association, rather than in court, except that either party may bring an individual claim in small claims court. YOU AND MONIE SAFE EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING. If this class-action waiver is found unenforceable as to a particular claim or dispute, that claim or dispute will be resolved in court and the remainder of this arbitration agreement will still apply to all other claims. You may opt out of this arbitration agreement by emailing support@moniesafe.com within 30 days of first accepting these Terms.
Monie Safe is not liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, natural disaster, war, terrorism, labor disputes, internet or utility failures, or failures of our third-party service providers (including our payment processor, email provider, or hosting provider).
We may suspend or terminate your account, at our discretion and without prior notice, for violating these Terms, for suspected fraud, or to comply with law. You may stop using Monie Safe at any time. Sections 3 (fees already incurred), 5 (escrow already funded), 6 (disputes), and 8 through 12 of these Terms survive termination of your account.
We may update these Terms from time to time. We will post the updated Terms with a new "Last updated" date, and where changes are material, provide additional notice. Continued use of Monie Safe after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles, except as superseded by the arbitration agreement in Section 11. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect. Monie Safe's failure to enforce any right or provision will not be deemed a waiver of that right or provision. These Terms, together with any agreement referenced herein, constitute the entire agreement between you and Monie Safe regarding your use of the platform. You may not assign these Terms without our written consent; Monie Safe may assign these Terms in connection with a merger, acquisition, or sale of assets.
Questions about these Terms can be sent to support@moniesafe.com.
This document is a detailed template drafted to give Monie Safe strong, standard platform protections (including limitation of liability, indemnification, and arbitration/class-action waiver provisions) and does not constitute legal advice. Enforceability of arbitration and class-action waiver clauses varies by jurisdiction. Monie Safe should have these Terms reviewed by a licensed attorney in its jurisdiction before relying on them for real transactions.