The agreement about the tool, not the agreement about the kitchen.
Two different contracts exist in this product and confusing them is the most expensive mistake anyone could make here. This page is the first one.
Last updated 30 July 2026. These terms describe the pilot and have not yet been reviewed by counsel — see “not settled yet” at the foot of this page, which says plainly which clauses are missing.
This one is not the one that gets your kitchen built.
- These terms
- Between you and ProjectComplete. They govern your use of this site and the app: your account, the fee, what the service does with money you have already committed, and what happens if we get something wrong.
- The construction agreement
- Between the homeowner and the contractor. It is generated in the app from the quote the contractor authored, it carries the scope, schedule and acceptance criteria, and it is the document that decides what “finished” means. We are not a party to it. Changing these terms does not change that agreement, and nothing in these terms overrides it.
- Why the separation matters
- If a countertop is wrong, that is a question under the construction agreement, and ultimately for a court if the two of you cannot resolve it. What our service decides is narrower and it never widens: whether money leaves the project balance. Any screen in the app that touches a dispute says the same thing, and it is not a disclaimer — deciding the other question is a court’s job, not a platform’s.
A small pilot, deliberately.
- You are at least 18 and can enter a contract where you live.
- The property is in North Carolina, Texas or Utah. We are not in California, and the trust page explains why that is a licensing question rather than a scheduling one.
- A homeowner using the service has the authority to commission work on the property. We check ownership against the county record, and a mismatch stops the project rather than warning you about it.
- A contractor is a real business that can be identified and verified. Verification decides whether you can be found through us, not whether you can open an account.
- You give us accurate information. Almost everything downstream — a lien waiver, a state notice, a payout — is only as good as the facts it was built on.
The service, stated as obligations rather than features.
- We hold the project balance and move it only as instructed
- Money leaves on a homeowner’s approval of a milestone, or when the review clock runs out on a milestone where work has been submitted and nobody has said anything, or on a decision in an escalation. Those are the only three, and the app records which one moved each dollar.
- A quote is a proposal until you fund it
- A contractor authors the price because they are the only one who knows what the work costs. A quote cannot charge anyone, a contractor cannot originate a payment request, and no money moves until a homeowner funds a project. That division does not change.
- We generate documents, and we are not your lawyer
- Agreements, lien waivers, state notices and closeout packages are produced by software from the facts you gave us. Every page of every one says it is not a substitute for the advice of an attorney, because it is not, and because in at least one of our states saying so is what keeps generating them lawful. Statutory references reflect our own research.
- We keep the record
- Approvals, releases, waivers and messages form a file that outlives the project, and both sides can get a copy.
The uncomfortable half, in the same size type as the rest.
The quality of the work
We verify that a contractor is who they say they are, licensed where the state requires it, and insured. We do not supervise the work, inspect it, or warrant it. A verified record is evidence about a business, not a promise about a kitchen.
Whether the parties perform
We are not a guarantor. If a contractor abandons a job, the unreleased balance comes back to the homeowner under the cancellation process — that is the protection, and it is a real one. It is not the same as us making anyone whole for a loss.
Lender decisions
Where you pay over time, Affirm or Klarna decide whether to lend, on what terms, and at what rate. We are not the lender, we do not set the rate, and their agreement with you governs.
Being a bank, or an insurer
ProjectComplete is not a bank, a lender, a law firm or a licensed escrow agent. Project funds are held during the pilot by our payments provider under their licences, not ours. The trust page describes what that does and does not protect, including what we do not yet have a complete answer for.
Legal outcomes
The product is built around statutes we have researched carefully and had reviewed by nobody. Where a state rule changes what the app does, we say which rule and why. That is a good-faith reading of the law, not advice you should rely on instead of a lawyer’s.
Things outside anyone’s control
Bank outages, payment-network delays, and the settlement timing of transfers we did not originate. Where those affect when money can move, the app tells you the reason rather than showing an unexplained wait.
Who pays, when, and what happens if it ends early.
- The contractor pays the fee
- Because the contractor authors the quote. A homeowner funds exactly the quote total — no fee line, no second number, ever, on their side. Pricing is on the pricing page and is part of these terms by reference.
- The fee is netted from the first release that pays the contractor
- Never from a payment to a supplier. We are never paid before the contractor is, and a project cancelled before their first draw costs nobody anything.
- Cancelling is a settlement, not a button
- Ending a project early reduces the contract to the work actually built, settles what is owed for it, and returns the rest. The process is in the app and it reconciles — the money that leaves and the money that comes back always add up to what went in.
- Your statutory right to cancel is separate and untouched
- All three states give a homeowner a right to cancel after signing, and nothing in these terms waives, shortens or conditions it. Nothing releases from the project balance while that window is open, which is the point: rescinding is a refund rather than an argument.
Short, and mostly about not using this to hurt someone.
- Do not impersonate another business, or open an account to be found under a licence that is not yours.
- Do not use messages to redirect a payment. Payment never moves by message, in either direction, and a message asking for a change of bank details is the single most common fraud in this industry.
- Do not submit work you have not done, or dispute work you know was done, to hold money.
- Do not attempt to find homeowners through the service. There is nothing to find, and trying is grounds for closing an account.
- Keep your phone number current, because it is your account.
- Ratings must describe your own project. Only a homeowner who funded a project here can leave one.
Closing an account cannot strand money.
You can stop using the service whenever you like. We can close an account for the conduct above, for a failed verification, or if we are required to. But neither of those can happen in a way that leaves a funded project in limbo: money already in a project balance is settled under the cancellation process and returned or released according to the work that was actually done, and both sides keep access to the project record.
If we discontinue the service — a real possibility for a company this young, and we would rather say it here than surprise you — open projects are settled and closed out before the service ends, not after.
The clauses a terms page usually has, that this one deliberately does not.
Most terms of use carry a governing-law clause, an arbitration agreement and a class-action waiver. This one carries none of them, and that is a decision rather than an oversight. Those clauses bear directly on what a consumer can do when something goes wrong, several states restrict them in exactly this kind of contract, and a badly drafted one is worse than none at all — it can void more than itself. They will be added when counsel has drafted them, and this page will say so on the day it happens.
- Governing law and venue — to be set with counsel, alongside the entity that will actually contract with you.
- Dispute resolution between you and us — distinct from the dispute process inside a project, which is built and documented.
- Limitation of liability — a cap that is enforceable and honest is a drafting job, and we would rather have none than one a court strikes out.
- Electronic signatures and records — the consent step exists in the app; the corresponding clause here does not yet.
Until those exist, your rights are whatever the law gives you, which is more than most terms pages leave you with. Questions: legal@projectcomplete.app.