HANDIO Terms & Conditions

Effective Date: June 2, 2026

1. Acceptance of Terms

Welcome to HANDIO.

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and HANDIO LLC ("HANDIO," "we," "our," or "us") governing your access to and use of the HANDIO website, mobile applications, software, administrative portal, and all related products, features, content, and services (collectively, the "Platform").

By creating an account, accessing, browsing, downloading, or using any portion of the Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, as well as any additional policies incorporated by reference, including our Privacy Policy, Community Guidelines, Payment Policies, and any other policies published by HANDIO.

If you do not agree to these Terms, you must immediately discontinue use of the Platform.

HANDIO reserves the right to modify, update, or replace these Terms at any time. Updated versions will become effective upon publication unless otherwise stated. Your continued use of the Platform after any modifications constitutes your acceptance of the revised Terms.

2. About HANDIO

HANDIO is a technology platform designed to connect individuals and businesses seeking temporary labor, services, or project-based assistance ("Job Posters") with independent workers offering their services ("Workers").

HANDIO facilitates introductions and provides technology that enables Job Posters and Workers to communicate, schedule services, process payments, and manage job-related activities through the Platform.

HANDIO is not a staffing agency, temporary employment agency, labor broker, contractor, employer, or employment service.

HANDIO does not recruit, employ, supervise, direct, manage, control, or evaluate how Workers perform services. Workers independently determine whether to accept opportunities, the manner in which services are performed, and whether to continue providing services.

Any agreement to perform services exists solely between the Job Poster and the Worker.

HANDIO is not a party to any agreement for services entered into between users and does not guarantee the quality, legality, safety, timeliness, suitability, availability, or outcome of any services offered or performed through the Platform.

3. Eligibility

To create an account or use the Platform, you represent and warrant that you:

• Are at least eighteen (18) years of age.
• Have the legal capacity and authority to enter into binding contracts.
• Will provide accurate, complete, and current information during registration and throughout your use of the Platform.
• Will comply with all applicable federal, state, and local laws, regulations, and ordinances.
• Have not previously been suspended or permanently removed from the Platform unless expressly authorized by HANDIO.

HANDIO reserves the right, at its sole discretion, to deny access, suspend, restrict, or terminate any account or refuse service to any individual or entity for any lawful reason.

4. Account Registration

Certain features of the Platform require the creation of a registered user account.

When creating an account, you agree to:

• Provide truthful, accurate, and complete registration information.
• Maintain and promptly update your account information to ensure its accuracy.
• Maintain the confidentiality of your login credentials.
• Use reasonable measures to prevent unauthorized access to your account.
• Notify HANDIO immediately of any suspected unauthorized use, security breach, or compromise involving your account.
• You are solely responsible for all activities conducted through your account, whether or not authorized by you.

HANDIO reserves the right to suspend, restrict, or terminate accounts that contain inaccurate information, violate these Terms, or present security, fraud, or compliance concerns.

5. Identity Verification

To promote safety, security, fraud prevention, regulatory compliance, and trust within the HANDIO community, HANDIO reserves the right to require identity verification for any user at any time, before or after account creation.

Users may be required to provide one or more of the following:

• A valid government-issued photo identification.
• A live facial verification image or selfie.
• Email verification.
• Mobile phone verification.
• Mailing or residential address verification.
• Proof of business registration where applicable.
• Tax identification information where required.
• Any additional documentation reasonably requested by HANDIO or its authorized verification providers.

By using the Platform, you expressly consent to the collection, processing, storage, and verification of identity-related information for purposes including, but not limited to:

• Fraud detection and prevention.
• Account security.
• Payment verification.
• Compliance with applicable laws.
• Community safety.
• Risk management.
• Regulatory requirements.
• HANDIO may utilize independent third-party identity verification providers to perform all or part of the verification process.

Failure to successfully complete identity verification, submission of false or fraudulent information, impersonation of another person, or refusal to cooperate with verification requests may result in one or more of the following:

• Account restrictions.
• Temporary suspension.
• Permanent account termination.
• Cancellation of pending or accepted jobs.
• Delayed or withheld payouts where permitted by applicable law.
• Reporting to appropriate authorities when required.

Approval of identity verification does not constitute an endorsement, certification, guarantee, warranty, or representation regarding a user's honesty, qualifications, competence, character, reliability, or suitability to perform any services.

HANDIO reserves the right to conduct additional verification, re-verification, or enhanced identity screening whenever suspicious activity, regulatory requirements, or security concerns arise.

6. Independent Contractor Status

Workers who obtain opportunities through the HANDIO Platform operate solely as independent contractors.

Nothing contained in these Terms, the Platform, or any interaction between HANDIO and its users shall be interpreted as creating an employment relationship, partnership, joint venture, franchise, agency relationship, or employer-employee relationship between HANDIO and any Worker.

Workers retain complete discretion regarding:

• Whether to accept or decline any job opportunity.
• The manner and method in which services are performed.
• The equipment, tools, supplies, and materials used.
• The scheduling and completion of accepted work, subject to commitments made to Job Posters.

Workers are solely responsible for:

• Federal, state, and local taxes.
• Business licenses.
• Professional licenses.
• Insurance coverage.
• Workers' compensation coverage, if applicable.
• Permits.
• Compliance with all applicable laws and regulations.
• Maintaining any certifications required to perform services.

HANDIO does not provide wages, salaries, employee benefits, health insurance, unemployment insurance, retirement benefits, paid leave, or workers' compensation coverage to Workers.

Workers acknowledge that they are operating an independent business and assume all responsibilities associated with independent contractor status.

7. Worker Responsibilities

Workers are solely responsible for ensuring they are legally authorized, qualified, and capable of performing any services they accept through the Platform. By accepting a job through HANDIO, Workers acknowledge and agree that they operate as independent contractors and assume full responsibility for their business operations.

Workers are solely responsible for, including but not limited to:

• Payment of all applicable federal, state, and local taxes.
• Obtaining and maintaining any required business licenses, professional licenses, certifications, or permits.

Maintaining any insurance coverage they deem necessary, including general liability, automobile, health, workers' compensation (where applicable), or other insurance.

Complying with all applicable federal, state, and local laws, regulations, ordinances, and licensing requirements.

Providing their own equipment, tools, materials, transportation, and protective gear unless otherwise agreed directly with the Job Poster.

Performing services in a safe, professional, lawful, and workmanlike manner.

HANDIO does not supervise, direct, train, or control the manner in which Workers perform services and assumes no responsibility for a Worker's legal or regulatory compliance.

8. Job Postings

Job Posters are solely responsible for creating accurate, lawful, and complete job listings.

Each Job Poster agrees to:

• Provide an accurate description of the work to be performed.
• Clearly disclose the location of the job.
• Specify the compensation being offered.
• Disclose any required skills, certifications, equipment, or physical requirements.
• Provide a safe and lawful working environment.
• Treat Workers professionally and respectfully.
• Comply with all applicable federal, state, and local laws.

Job Posters may not post jobs that:

• Violate any law or regulation.
• Involve illegal activities.
• Promote discrimination or harassment.
• Require Workers to perform unsafe work without proper disclosure.
• Misrepresent compensation, duties, or working conditions.

HANDIO does not verify every job posting and does not guarantee the accuracy, legality, quality, or availability of any posted opportunity.

9. Accepting Jobs

Workers are responsible for carefully reviewing all job details before requesting or accepting an assignment.

By accepting a job through the Platform, the Worker agrees to:

• Arrive at the agreed-upon location on time.
• Perform the requested services professionally and in good faith.
• Complete the work substantially as described in the job posting unless otherwise mutually agreed upon with the Job Poster.
• Maintain courteous, respectful, and professional conduct throughout the engagement.
• Communicate promptly regarding delays, cancellations, or unexpected circumstances.
• Follow all reasonable safety instructions applicable to the work being performed.
• Workers should only accept jobs they are qualified, legally permitted, and reasonably capable of completing.

Repeated cancellations, excessive no-shows, failure to communicate, or patterns of unprofessional conduct may result in reduced platform visibility, temporary suspension, permanent account termination, or other actions deemed appropriate by HANDIO.

10. Location Services and GPS Verification

To improve safety, enhance job matching, verify arrivals, and reduce fraudulent activity, HANDIO may utilize GPS, device location services, and other location technologies.

By using the Platform, users expressly consent to the collection, processing, and use of location information for purposes including:

• Matching Workers with nearby job opportunities.
• Verifying arrival at job sites.
• Confirming job completion.
• Preventing fraud and abuse.
• Improving Platform functionality.
• Enhancing user safety.
• Investigating disputes when necessary.
• Workers may be required to confirm their arrival through the Platform before beginning work.

Disabling location permissions may prevent certain Platform features from functioning properly and may affect eligibility for certain jobs.

11. Payments

HANDIO utilizes Stripe and other authorized third-party payment providers to process payments made through the Platform.

By using HANDIO, users agree to comply with the applicable terms, conditions, and privacy policies of those payment providers.

HANDIO may collect:

• Platform service fees.
• Payment processing fees.
• Convenience fees.
• Other applicable charges disclosed before payment is completed.

Users authorize HANDIO and its payment providers to process authorized payment transactions associated with their use of the Platform.

HANDIO does not store complete payment card information on its own servers.

12. Payouts

Eligible Workers may receive payouts following successful completion of services, subject to applicable verification procedures, payment processor requirements, dispute resolution, fraud prevention measures, and these Terms.

HANDIO reserves the right to:

• Delay payouts while identity verification is pending.
• Investigate disputed transactions.
• Temporarily withhold funds where fraud, chargebacks, or policy violations are suspected.
• Reverse or adjust payouts when required by law or permitted under these Terms.
• Require additional documentation before releasing funds.
• Estimated payout timeframes displayed within the Platform are estimates only and are not guaranteed.

13. Disputed Jobs

If a Job Poster disputes the quality, completion, timing, scope, or performance of services, HANDIO may review the matter for administrative purposes.

During an investigation, HANDIO may temporarily withhold payment while gathering relevant information from both parties.

Users agree to cooperate fully with any reasonable requests for documentation, photographs, communications, GPS records, or other information relevant to the dispute.

HANDIO may facilitate communication between users but is under no obligation to mediate, arbitrate, or resolve disputes.

HANDIO's decision regarding the temporary release, withholding, adjustment, or refund of Platform-held funds shall be made in good faith based on available information and applicable law.

HANDIO does not guarantee any particular outcome and is not responsible for resolving every dispute between users.

14. Ratings and Reviews

Users may submit ratings, reviews, and feedback regarding their experiences on the Platform.

All reviews must be truthful, respectful, and based on actual experiences.

HANDIO reserves the right to remove, edit, restrict, or refuse to publish content that:

• Is false or misleading.
• Is defamatory or abusive.
• Contains hate speech or discriminatory language.
• Violates another person's privacy or intellectual property rights.
• Constitutes spam or fraudulent activity.
• Violates these Terms or applicable law.
• Ratings and reviews are opinions of individual users and do not constitute endorsements by HANDIO.

15. Safety

The safety of our users is a priority; however, every user remains responsible for exercising sound judgment while using the Platform.

HANDIO may provide educational materials, safety recommendations, training resources, or best practices to promote safer interactions.

Such materials are provided solely for informational purposes and do not constitute a guarantee of safety.

If a user believes a situation presents an immediate threat to personal safety, they should leave the area immediately and contact emergency services by dialing 911 or the appropriate local emergency authority.

Users are encouraged to promptly report unsafe behavior, suspected fraud, harassment, threats, illegal activity, or dangerous working conditions to HANDIO.

16. Prohibited Activities

Users may not use the Platform to engage in activities that violate these Terms or applicable law.

Prohibited activities include, but are not limited to:

• Violating any federal, state, or local law.
• Harassing, threatening, intimidating, stalking, or abusing another person.
• Discriminating against users based on legally protected characteristics.
• Providing false, misleading, or fraudulent information.
• Circumventing Platform fees or payment systems.
• Creating multiple fraudulent or unauthorized accounts.
• Impersonating another individual or entity.
• Committing fraud, theft, or deceptive business practices.
• Interfering with the operation, security, or integrity of the Platform.
• Uploading malicious software, viruses, or harmful code.
• Attempting unauthorized access to other accounts or systems.
• Posting illegal, dangerous, offensive, or prohibited jobs.
• Using the Platform for any unlawful or unauthorized purpose.

Violation of this section may result in immediate suspension or permanent termination of the user's account, cancellation of pending jobs, withholding of payouts where permitted by law, and referral to law enforcement when appropriate.

17. Account Suspension and Termination

HANDIO is committed to maintaining a safe, secure, and trustworthy platform for all users. Accordingly, HANDIO reserves the right, in its sole discretion and without prior notice where permitted by law, to suspend, restrict, deactivate, or permanently terminate any user account for any lawful reason.

Grounds for suspension or termination may include, but are not limited to:

• Violation of these Terms or any HANDIO policy.
• Fraud, attempted fraud, or deceptive conduct.
• Identity verification failures or submission of false information.
• Repeated cancellations, no-shows, or failure to complete accepted jobs.
• Unsafe, abusive, threatening, discriminatory, or unlawful behavior.
• Misuse of the Platform or its services.
• Circumvention of Platform fees or payment systems.
• Conduct that may harm other users, HANDIO, or the integrity of the Platform.
• Violation of applicable federal, state, or local laws.

HANDIO may also cancel pending jobs, withhold payouts where permitted by law, remove content, or take any other action reasonably necessary to protect users or the Platform.

Termination of an account does not relieve a user of obligations incurred before termination, including payment obligations, dispute resolution responsibilities, or compliance with these Terms.

18. Intellectual Property

All content available through the Platform, including but not limited to the HANDIO name, logo, trademarks, service marks, trade dress, software, source code, databases, graphics, icons, photographs, videos, text, designs, layouts, user interface elements, documentation, and other proprietary materials (collectively, the "HANDIO Intellectual Property"), is owned by or licensed to HANDIO LLC and is protected by applicable intellectual property laws.

Except as expressly permitted by HANDIO in writing, users may not:

Copy, reproduce, distribute, publish, display, modify, create derivative works from, sell, license, reverse engineer, or exploit any portion of the Platform or HANDIO Intellectual Property.

Remove copyright, trademark, or proprietary notices.

Use HANDIO trademarks or branding in a manner that suggests endorsement or affiliation without prior written authorization.

Nothing contained in these Terms grants users ownership of or rights to HANDIO Intellectual Property beyond the limited right to access and use the Platform in accordance with these Terms.

19. Background Checks

To promote trust and safety, HANDIO may, now or in the future, offer or require criminal background checks, driving record reviews, identity verification, license verification, or other screening services through qualified third-party providers.

Participation in screening programs may be voluntary or mandatory depending on Platform requirements, applicable laws, or specific job categories.

Unless expressly stated otherwise by HANDIO, completion of, participation in, or successful passage of any background check or screening does not constitute:

• An endorsement.
• A certification.
• A recommendation.
• A guarantee.
• A warranty.
• A representation regarding a user's honesty, integrity, qualifications, competence, reliability, or suitability.

Users acknowledge that background checks may be incomplete, may not reveal all relevant information, and should not be relied upon as the sole basis for evaluating another user.

HANDIO assumes no responsibility for the accuracy or completeness of information provided by third-party screening providers.

20. Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HANDIO DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF:

MERCHANTABILITY;

FITNESS FOR A PARTICULAR PURPOSE;

TITLE;

NON-INFRINGEMENT;

ACCURACY;

RELIABILITY;

AVAILABILITY;

SECURITY;

UNINTERRUPTED OPERATION.

HANDIO DOES NOT WARRANT OR GUARANTEE:

• The availability of jobs.
• The availability of Workers.
• Any minimum level of earnings.
• The quality of services performed.
• The conduct of any user.
• Continuous or error-free Platform operation.
• That defects or errors will be corrected.
• That the Platform will be free from viruses or other harmful components.
• Users assume all risks associated with their use of the Platform.

21. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HANDIO LLC, ITS OWNERS, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AGENTS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES ARISING OUT OF OR RELATING TO THE USE OF THE PLATFORM.

THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY ASSERTED, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE.

HANDIO SHALL NOT BE LIABLE FOR DAMAGES RESULTING FROM:

• User conduct.
• Service quality.
• Missed opportunities.
• Delayed payments.
• Job cancellations.
• Lost profits.
• Business interruption.
• Data loss.
• Unauthorized account access.
• Personal injury.
• Property damage.
• Disputes between users.

TO THE EXTENT PERMITTED BY LAW, HANDIO'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE TOTAL PLATFORM FEES PAID BY THE USER TO HANDIO DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

22. Indemnification

You agree to defend, indemnify, and hold harmless HANDIO LLC and its owners, officers, managers, members, employees, contractors, affiliates, successors, assigns, and agents from and against any and all claims, actions, demands, liabilities, damages, judgments, settlements, penalties, fines, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:

• Your use of the Platform.
• Your violation of these Terms.
• Your violation of any applicable law or regulation.
• Your negligence or misconduct.
• Services you provide or receive through the Platform.
• Any dispute between you and another user.
• Infringement of another person's rights.
• False or misleading information submitted by you.
• HANDIO reserves the right to assume the exclusive defense of any matter subject to indemnification at your expense.

23. Dispute Resolution

HANDIO encourages users to resolve disputes promptly and professionally.

Before initiating legal proceedings, users agree to make a good-faith effort to resolve disputes by first contacting HANDIO through written communication using the contact information provided below.

HANDIO may, but is not obligated to, facilitate communication between users or assist in resolving disputes.

Nothing in these Terms obligates HANDIO to act as an arbitrator or mediator between users.

24. Governing Law and Venue

These Terms shall be governed by and interpreted in accordance with the laws of the State of Indiana, without regard to its conflict of law principles.

Unless otherwise required by applicable law, any legal action arising out of or relating to these Terms or the Platform shall be brought exclusively in the state or federal courts located within the State of Indiana.

Each party irrevocably consents to the personal jurisdiction and venue of those courts.

25. Modifications to These Terms

HANDIO reserves the right to amend, revise, modify, or replace these Terms at any time.

When material changes are made, HANDIO may provide notice through the Platform, by email, or through other reasonable means.

Updated Terms become effective upon publication unless otherwise specified.

Your continued access to or use of the Platform after updated Terms become effective constitutes your acceptance of the revised Terms.

If you do not agree to the revised Terms, you must discontinue use of the Platform and close your account.

26. Contact Information

If you have questions regarding these Terms or the Platform, please contact:

By creating an account or continuing to use the HANDIO Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions.