These Terms govern your access to and use of the Zippy Pro mobile app and related services (the "Platform") provided by Zippy Services LLC ("Zippy," "we," "us," or "our"). By creating an account, accessing, or using the Platform, you agree to be bound by these Terms and our Privacy Policy.
You are an independent contractor, not an employee, agent, partner, or franchisee of Zippy. You choose which jobs to accept, set your own schedule, and decide how to perform services. You may work for other clients or platforms simultaneously. Nothing in these Terms creates an employment relationship.
To access the Platform, you must complete an application, pass identity and account verification through Stripe Connect onboarding, and be approved as a Zippy Pro. You must be at least 18 years old and legally able to contract in your jurisdiction.
You agree to:
While you decide how to perform services, you agree to:
Payments are processed through Stripe Connect. You must maintain a valid Stripe Connect account to receive payouts. Standard payouts are made directly to your connected bank account 1–2 business days after job completion at no cost to you. Zippy charges a platform fee for technology, customer acquisition, and support.
Instant Cash Out (optional). If you add an instant-eligible debit card to your Stripe account, you may choose to cash out your available balance immediately instead of waiting for a standard payout. Each instant payout is subject to a fee of 1.5% of the amount cashed out (minimum $0.75), which is deducted from the payout and covers third-party processing costs and platform expenses. Standard payouts remain free; instant payouts are entirely optional.
Monthly account fee. A $2.00 monthly account fee is deducted from your first payout of each calendar month. No fee is charged in months where you receive no payouts.
As an independent contractor, you are responsible for all taxes on earnings, including income tax and self-employment tax. If you earn $600 or more in a year, you will receive a Form 1099-NEC.
Customer relationships facilitated via the Platform belong to Zippy. You agree not to:
You perform services as an independent business, and the work you do is yours alone. As between you and Zippy, you are solely responsible for:
Zippy is a technology platform. Zippy does not perform services, does not supervise or control your work, and does not assume responsibility for it. Insurance is the primary way to protect yourself and your business from these risks — see the Insurance section below.
Zippy is not an insurance company and does not provide, sell, underwrite, or maintain insurance of any kind for Pros. Any insurance Zippy carries for its own business protects Zippy only — it does not cover you, your business, your work, or claims against you. Zippy Pros are not covered by Zippy insurance under any circumstances.
Any insurance you obtain — whether through a provider Zippy links to (such as Thimble) or any other source — is your own policy. You are purchasing from the insurer, not from Zippy. The policy exists to protect you and your business; Zippy is not a party to your policy and has no role in your quotes, coverage decisions, premiums, renewals, or claims. You are solely responsible for selecting, purchasing, maintaining, and renewing your own coverage. Zippy may receive a referral fee when you request a quote through a link Zippy shares; this does not make Zippy an insurer, insurance broker, or insurance agent.
As of the date these Terms were last updated, no service offered through the Platform requires insurance under Texas law. Zippy nonetheless strongly recommends that every Pro carry general liability insurance — it is the primary way to protect your business from the responsibilities described in the Your Responsibilities section.
Zippy may designate certain service categories — for example, licensed trades such as plumbing or electrical work — as requiring proof of a current license and insurance meeting minimum limits Zippy specifies. If you want to offer those services, you must provide proof of your license and coverage before those services are enabled for you, and you must keep that proof current. Zippy may suspend your access to those service categories if your license or coverage lapses.
To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Zippy Services LLC and its owners, officers, employees, contractors, and agents from and against any and all claims, demands, damages, losses, liabilities, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) services you perform, or fail to perform, for customers; (b) your negligence or willful misconduct; (c) bodily injury, death, or damage to property caused by your work; (d) your violation of any law, regulation, or these Terms; or (e) the acts or omissions of anyone who assists you in performing services. This obligation survives termination of these Terms.
The Platform and its content are owned by Zippy and protected by law. You may not copy, modify, or reverse engineer the Platform or use Zippy’s trademarks without permission.
Disputes will be resolved through binding arbitration in Collin County, Texas, under American Arbitration Association rules. You waive the right to jury trials and class actions.
Zippy may update these Terms at any time with notice. Continued use constitutes acceptance.
Either party may terminate at any time, for any reason. After termination, provisions that should survive remain in effect.
By using the Zippy Pro Platform, you acknowledge that you have read, understood, and agree to these Terms of Service.