Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Oforro LLC, a Florida limited liability company ("Oforro," "we," "us," or "our"), governing your access to and use of the Oforro mobile application, website, and related services (collectively, the "Platform" or "Service"). By creating an account, accessing, or using the Platform, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. If you do not agree, do not use the Platform.

How Oforro Works — In Plain Language

Oforro connects Consumers with independent Providers and helps them agree on a price for a Service. That is the entire scope of what Oforro does. Oforro does not perform, supervise, or guarantee any Service, and Providers are independent, self-employed businesses — not Oforro employees. If anything goes wrong with a Service — including injury, property damage, dissatisfaction, or a legal dispute — that is a matter between the Consumer and the Provider, not Oforro. This plain-language summary does not replace, and is qualified in full by, the detailed legal terms set out below, including Sections 2, 6, 31, and 32.

1. Definitions

• "Consumer" means a User who posts a service request seeking a Service.
• "Provider" means a User who offers to perform a Service in response to a Consumer's request.
• "Offer" means the price, timing, and terms a Consumer posts for a requested Service, or a counteroffer submitted by a Provider.
• "Booking" means an Offer that has been accepted by both a Consumer and a Provider and confirmed through the Platform.
• "Service" means any beauty or personal-care service (and, in the future, other professional service categories described in Section 25) performed by a Provider for a Consumer.
• "Oforro Score" means the reputation and reliability rating displayed on a User's profile, calculated as described in Section 16.
• "Platform" means the Oforro mobile application, website, and related services.
• "User Content" means photos, messages, reviews, and any other content submitted by a User to the Platform.

2. Description of the Platform

Oforro is a technology marketplace. Oforro is not a salon, spa, clinic, or service provider of any kind, and does not itself perform any Service. Oforro:

• does not employ, direct, train, or supervise any Provider;
• does not guarantee the outcome, quality, or safety of any Service;
• does not inspect, audit, or certify every Provider's work, tools, or premises;
• only facilitates discovery, communication, scheduling, payment processing, and, where applicable, review of disputes between Users, as described in Section 15.

Oforro currently facilitates the categories described in Section 25 and reserves the right to modify, add, or remove categories at its discretion.

3. Eligibility

You must be at least 18 years old and capable of forming a legally binding contract to create an account or use the Platform. By using the Platform, you represent and warrant that you meet these requirements and that all registration information you provide is accurate, current, and complete. Oforro may refuse service, suspend, or terminate accounts of anyone it believes does not meet these requirements.

4. Account Registration and Security

• You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• You must notify us immediately at support@oforro.com of any unauthorized use of your account.
• You may not share your account, impersonate another person, or create an account on behalf of someone else without authorization.
• Oforro reserves the right to suspend or terminate accounts that contain false, misleading, or outdated information.

5. Consumer Responsibilities

By using the Platform as a Consumer, you agree to:

• provide truthful, accurate information in your profile and service requests;
• upload photos that are accurate, current, and your own (or that you have permission to use) when describing a request;
• accurately describe the Service you are requesting, including relevant hair, skin, or body condition where applicable;
• disclose any known allergies, sensitivities, or reactions relevant to the requested Service before booking;
• disclose prior chemical treatments (e.g., coloring, relaxing, keratin) where relevant to the requested Service;
• arrive on time for confirmed Bookings, or cancel or reschedule in accordance with Section 10;
• treat Providers and other Users with respect and comply with a Provider's reasonable studio or safety policies;
• pay all fees applicable to a Booking;
• not create fraudulent, duplicate, or bad-faith bookings; and
• not submit fraudulent or bad-faith chargebacks or payment disputes.

Failure to disclose allergies, sensitivities, or relevant medical or treatment history is at the Consumer's own risk, as further described in Section 8.

6. Provider Responsibilities

Providers must also separately accept Oforro's Provider Agreement, which supplements these Terms and sets out additional obligations specific to Providers, including independent contractor status, verification, payouts, and platform investigation rights. In the event of a direct conflict between these Terms and the Provider Agreement on a matter specific to Providers, the Provider Agreement controls.

By using the Platform as a Provider, you represent, warrant, and agree that you will:

• obtain and maintain, in good standing, all licenses, certifications, and permits required by Florida law and applicable local ordinances to lawfully perform the Services you offer;
• maintain insurance where required under Section 7;
• comply with all applicable federal, state, and local laws and regulations, including health and sanitation codes;
• maintain a clean, safe, and sanitary work environment;
• accurately represent your experience, qualifications, and portfolio;
• keep your business information, licensing status, and availability current on the Platform; and
• notify Oforro promptly at legal@oforro.com if any required license, certification, permit, or insurance policy expires, lapses, or is suspended or revoked.

Failure to maintain any of the above is a material breach of these Terms and may result in immediate suspension or termination of your Provider account.

7. Provider Verification

Before a Provider profile is activated, and periodically thereafter, Oforro may require or conduct any combination of the following verification steps:

• submission of a government-issued photo ID;
• selfie or liveness verification to match the Provider to their submitted ID;
• verification of professional license(s) or certification(s) with the applicable licensing board;
• verification of proof of insurance, where required under Section 7.1;
• verification of business registration or formation documents;
• a background check performed by a third-party vendor; and
• periodic re-verification of any of the above at Oforro's discretion.

7.1 High-Risk Categories and Insurance

High-risk categories. For service categories involving skin penetration, chemical application, or other elevated health/safety risk (including but not limited to tattoo, piercing, tattoo removal, and chemical hair services), Providers must submit proof of active general liability insurance as a condition of approval and continued listing. For other categories, Oforro strongly recommends, but does not currently require, that Providers carry liability insurance.

Verification by Oforro is not a guarantee of a Provider's skill, quality, safety, or legal compliance, and does not constitute an endorsement by Oforro. Consumers are solely responsible for evaluating whether a given Provider is suitable for their needs. Oforro reserves the right to revoke a Provider's access at any time, including for failure to maintain required credentials or insurance.

8. Health and Safety Disclaimer

• Consumers are solely responsible for disclosing allergies, sensitivities, medical conditions, and relevant treatment history to a Provider prior to a Service.
• Providers remain responsible for conducting any consultation, patch test, or professional assessment that a reasonably prudent provider in their field would perform before rendering a Service.
• Oforro is not responsible for allergic reactions, adverse effects, injuries, or medical complications arising from a Service performed by a Provider.
• If you experience a medical emergency or believe you are having a serious adverse reaction, seek emergency medical care immediately (call 911 or go to the nearest emergency room) — do not rely on the Platform for emergency assistance.

9. No Medical Advice

Nothing on the Platform constitutes medical, dermatological, dental, or other professional health advice, diagnosis, or treatment recommendation. Oforro does not provide medical advice, and information displayed on the Platform (including Provider descriptions, AI-assisted recommendations under Section 11, or Oforro Score) should not be used as a substitute for consultation with a qualified medical professional.

10. User Content and Photos

• Consumers represent that they own, or have the necessary permissions to upload, any photos submitted to the Platform, including "before" and inspiration photos.
• Providers own their own portfolio images but grant Oforro the license described below to display them.

By submitting User Content, you grant Oforro a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, compress, reproduce, transmit, analyze, and display that content for the purpose of operating, securing, promoting, and improving the Platform, including through the automated systems described in Section 11.

11. AI and Automated Systems

Oforro may use artificial intelligence, machine learning, and other automated systems to operate and improve the Platform, including to:

• match Consumers with relevant Providers;
• detect fraud, fake accounts, and policy violations;
• generate price or Offer recommendations;
• analyze uploaded photos for moderation, categorization, or matching purposes;
• moderate content and detect spam;
• improve search and ranking of Providers.

Any AI-generated recommendation, price suggestion, or match is informational only and does not constitute a guarantee, professional advice, or a representation by Oforro as to outcome, price fairness, or Provider quality.

12. Booking Process

The general flow of a transaction on the Platform is as follows:

• (1) a Consumer posts a service request describing the desired Service, price, and timing (an "Offer");
• (2) a Provider may accept the Offer as posted, submit a counteroffer, or decline;
• (3) the Consumer selects a Provider from among responses received;
• (4) the Booking is confirmed through the Platform;
• (5) payment is authorized and processed as described in Section 20;
• (6) the Service is performed by the Provider; and
• (7) both parties may leave a review as described in Section 16.

A Booking is not final or binding on either party until confirmed through the Platform's booking flow.

13. Cancellations

• Consumer cancellation: Consumers may cancel an Offer at no charge at any time before a Provider accepts it. Once a Booking is confirmed, cancellations made outside the applicable cancellation window (shown at booking) may incur a cancellation fee.
• Provider cancellation: Providers who cancel a confirmed Booking without a valid reason, or with a pattern of repeated cancellations, may be subject to penalties, reduced visibility, or account suspension under Section 26.
• Grace periods: A short grace period for late arrival will be displayed at booking; arrivals beyond that window may be treated as a no-show by the other party.
• Rescheduling: Either party may propose a reschedule through the Platform, subject to the other party's acceptance.
• No-shows: A Consumer or Provider who fails to appear for a confirmed Booking without cancelling in advance may be charged, or entitled to, a no-show fee, and repeated no-shows may result in account penalties under Section 26.
• Partial refunds: Oforro may, at its discretion, apply a partial refund or fee waiver where a cancellation or no-show resulted from circumstances outside a User's reasonable control.

14. Refund Policy

• Refunds may be granted where a Service was not performed, was cancelled by the Provider, or where a Consumer submits a substantiated complaint that the Service was not performed as described.
• Refund requests must generally be submitted within a reasonable time after the Service (as specified in-app) and may require supporting evidence such as photos, messages, or receipts.
• Refund requests are reviewed by Oforro, which may request documentation from both parties before making a determination.
• Oforro may grant a full refund, partial refund, platform credit, or deny the request, at its sole discretion based on the evidence available.
• Approved refunds are returned to the original payment method via Braintree and may take several business days to appear, depending on your financial institution.

Oforro does not guarantee that any refund request will be granted.

15. Platform Dispute Review

Where a Consumer and Provider disagree about a Booking, cancellation, or Service outcome, either party may submit the dispute to Oforro for review. In reviewing a dispute, Oforro may consider any information available to it, including:

• in-app chat history;
• booking history and timestamps;
• photos submitted by either party;
• receipts and payment records; and
• any other documentation the parties provide.

Oforro's review of a platform dispute is offered as a convenience and is made at Oforro's sole discretion. It is not binding arbitration, does not constitute legal advice or a legal judgment, and does not waive either party's rights under Section 30 (Arbitration).

16. Oforro Score and Reviews

After a Service is completed, Consumers and Providers may leave a rating and review that contributes to the other User's Oforro Score.

• Eligibility: only Users who completed an actual Booking together may leave a review of one another.
• Score calculation: Oforro Score reflects a weighted combination of ratings, completion rate, cancellation/no-show history, and other reliability signals, recalculated periodically.
• Review removal: Oforro may remove reviews that are fraudulent, defamatory, unrelated to an actual Booking, or otherwise violate these Terms.
• Fraud and manipulation: Oforro monitors for fake, incentivized, or manipulated reviews and may exclude them from Score calculations.
• Low-Score consequences: Users whose Oforro Score falls below thresholds set by Oforro may receive reduced visibility, be required to complete additional verification, or face account restrictions.

17. Fraud Prevention

You agree not to engage in, and Oforro actively monitors for, the following:

• creating fake accounts or fake identities;
• operating multiple accounts to evade restrictions or manipulate the Platform;
• posting fake bookings or fake reviews;
• chargeback abuse (disputing legitimate charges in bad faith);
• coupon, credit, or referral program abuse;
• using a stolen or unauthorized payment method or identity;
• using bots or automated tools to interact with the Platform;
• submitting fake Offers or bids you do not intend to honor, or withdrawing accepted Offers in bad faith as a pattern of abuse;
• colluding with other Users to manipulate pricing or bidding, or engaging in fake negotiation intended to waste another User's time; and
• any other conduct intended to manipulate pricing, bidding, matching, reviews, or Oforro Score.

Violation of this Section may result in immediate suspension, permanent termination, forfeiture of pending payouts to the extent permitted by law, and referral to law enforcement or payment networks.

18. Communication Rules and Prohibited Conduct

You agree not to:

• harass, threaten, stalk, or discriminate against any other User;
• send spam, malware, or unsolicited commercial messages;
• post sexually explicit, obscene, or otherwise unlawful content;
• solicit or promote illegal activity or unlicensed services;
• impersonate another person or entity; or
• scrape, reverse-engineer, or interfere with the Platform's operation or security.

Violation of this Section may result in suspension or termination of your account and, where applicable, referral to law enforcement.

19. Off-Platform Transactions

Users may not use information or connections made through the Platform to intentionally circumvent the Platform in order to avoid platform fees, the booking system, payment processing, or the protections (including dispute review, verification, and Oforro Score accountability) that the Platform provides. This includes soliciting or agreeing to take a Booking or future Bookings off-platform to avoid fees after being introduced through Oforro.

A single, isolated instance may result in a warning at Oforro's discretion; repeated or intentional violations may result in permanent removal from the Platform.

20. Payments

All payments for Services booked through the Platform are processed in-app through our third-party payment processor, PayPal/Braintree. By using the Platform, you agree to Braintree's applicable terms of service and privacy policy in addition to these Terms. Oforro does not store your full payment card details; that information is held by Braintree in accordance with applicable payment card industry (PCI) standards.

• Charging: Consumers authorize Oforro to charge their selected payment method when a Booking is confirmed, or as otherwise disclosed at checkout.
• Provider payouts: Providers authorize Oforro to deduct its commission or platform fee before disbursing the remaining balance on a payout schedule determined by Oforro and subject to Braintree's processing timelines.
• Commission: Oforro's commission rate will be disclosed in the Provider's fee schedule and may change upon reasonable notice.
• Failed payments: If a payment method fails, Oforro may retry the charge, cancel the Booking, or restrict the account until payment is resolved.
• Chargebacks and reversals: Users who initiate bad-faith chargebacks may have their accounts suspended and may be liable to Oforro for the disputed amount plus any associated fees.
• Fee changes: Oforro may change its fee structure at any time upon reasonable notice; continued use of the Platform after such notice constitutes acceptance.

21. Taxes

Providers are independent businesses and are solely responsible for determining and paying all applicable taxes arising from their use of the Platform, including:

• federal and state income taxes;
• self-employment taxes;
• local business taxes and receipt taxes;
• Florida sales tax, where applicable to the Services provided; and
• any licensing or insurance fees required to operate lawfully.

Oforro may provide tax reporting documents (such as Form 1099-K) where required by law but does not provide tax advice. Providers should consult a tax professional regarding their obligations.

22. Intellectual Property

The Oforro name, logo, "Oforro Score," app design, user interface, graphics, icons, and all underlying software, source code, algorithms, matching systems, and marketplace methodology are the property of Oforro LLC and/or its licensors and are protected by intellectual property and trade secret laws. Except for the limited license to use the Platform as intended, nothing in these Terms grants you any right, title, or interest in Oforro's intellectual property. You may not copy, modify, reverse-engineer, or create derivative works based on the Platform. All other trademarks are the property of their respective owners.

23. Privacy

Our collection, use, and disclosure of your personal information — including photos, messages, location data, device information, payment information, and usage analytics — is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the practices described there.

24. Data Retention

Messages, photos, and booking records are retained for as long as your account is active and for a reasonable period thereafter to resolve disputes, comply with legal and tax recordkeeping obligations, and maintain backups. Upon account deletion, Oforro will delete or anonymize personal information except where retention is required by law or necessary to enforce these Terms. Full detail is provided in our Privacy Policy.

25. Service Categories

Oforro currently facilitates Services in the beauty and personal-care space, including hair, skin, nails, lashes and brows, massage, tattoo and piercing, and tattoo removal. Oforro reserves the right to add, remove, or modify service categories, including expanding into additional professional service categories beyond beauty and personal care, at its discretion and without requiring Users to accept an entirely new agreement, except where a material change requires renewed consent under Section 31.

26. Safety Reporting

Users may report the following directly through the Platform or by emailing support@oforro.com:

• fraud or suspected fraud;
• harassment or abusive behavior;
• threats or violence;
• illegal activity;
• identity theft; and
• impersonation.

Oforro will review reports and may take action including warnings, suspension, or permanent termination as described in Section 27, and may refer matters to law enforcement where appropriate.

27. Account Termination

You may stop using the Platform and delete your account at any time through the app settings or by contacting us. Oforro may suspend or permanently terminate your account, with or without notice, for violations of these Terms, including but not limited to:

• violence, threats, or harassment directed at another User;
• fraud, including fraudulent bookings, reviews, or chargebacks;
• submitting fake or fraudulent licenses or credentials;
• repeated cancellations or no-shows;
• payment fraud or use of a stolen payment method; and
• criminal conduct related to use of the Platform.

Sections of these Terms that by their nature should survive termination (including Sections 8, 9, 22, 28, 29, and 30) will survive.

28. Service Availability

Oforro may, at its discretion and without liability, pause the Platform, modify or remove features, restrict availability by region, suspend specific service categories, or perform scheduled or emergency maintenance. Oforro does not guarantee uninterrupted availability of the Platform.

29. No Guarantee of Results

Oforro does not guarantee any particular outcome from a Service, including but not limited to hair color results, extension longevity, tattoo outcomes, skin treatment results, or general beauty outcomes. Oforro does not guarantee Consumer satisfaction, Provider availability, or appointment availability at any given time.

30. Insurance Disclaimer

Oforro is not an insurance company and does not insure Providers, Consumers, or any Service performed through the Platform. Where Oforro requires a Provider to carry liability insurance under Section 7.1, that insurance is the Provider's own policy with a third-party insurer, and Oforro is not a party to it. Consumers assume the risk of selecting a Provider through the Platform.

31. Disclaimers

THE PLATFORM AND ALL SERVICES BOOKED THROUGH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. OFORRO DOES NOT WARRANT THAT PROVIDERS ARE LICENSED, INSURED, SKILLED, OR SAFE, AND DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. YOU ACKNOWLEDGE THAT SERVICES BOOKED THROUGH THE PLATFORM ARE PERFORMED ENTIRELY BY INDEPENDENT PROVIDERS AND NOT BY OFORRO.

32. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OFORRO AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, INCOME, BUSINESS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE PLATFORM OR ANY SERVICE BOOKED THROUGH IT, INCLUDING WITHOUT LIMITATION CLAIMS FOR PERSONAL INJURY, PROPERTY DAMAGE, PROFESSIONAL NEGLIGENCE, OR EMOTIONAL DISTRESS ARISING FROM A SERVICE PERFORMED BY A PROVIDER, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OFORRO'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO OFORRO IN THE SIX (6) MONTHS PRECEDING 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. [Attorney note: confirm whether additional or different liability caps are advisable given the personal-injury exposure inherent in beauty/tattoo services.]

33. Indemnification

You agree to indemnify, defend, and hold harmless Oforro LLC and its officers, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any law or third-party right; or (d), for Providers, the performance or non-performance of any Service.

34. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except for disputes that qualify for small claims court, you and Oforro agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Platform will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual action in small claims court.

• Class Action Waiver: You and Oforro agree that disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.
• Opt-Out: You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by emailing legal@oforro.com with your name and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in Miami-Dade County, Florida.
• Jury Trial Waiver: To the extent any dispute proceeds in court rather than arbitration, both parties waive any right to a jury trial.

[Attorney note: please confirm this clause meets Florida-specific enforceability standards for consumer arbitration agreements, and whether a "click-to-accept" flow with a clear, separate acknowledgment of the arbitration clause is advisable at signup.]

35. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles, except where superseded by federal law (including the Federal Arbitration Act with respect to Section 34).

36. Accessibility

Oforro is committed to making the Platform accessible to all Users, including those with disabilities, and makes reasonable efforts to conform to generally accepted accessibility standards. If you encounter an accessibility barrier while using the Platform, please contact us at support@oforro.com so we can address it.

37. Force Majeure

Oforro is not liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to natural disasters, pandemics or public health emergencies, internet or telecommunications outages, outages or failures of our payment processor, acts of government, cyberattacks, or power failures.

38. Future Features

Oforro reserves the right to introduce new features, including subscriptions, premium memberships, advertising, additional AI-powered tools, new payment methods, additional service categories, and new marketplace features, without requiring Users to accept an entirely new agreement, except where required by law or where Section 31 (Changes to These Terms) applies.

39. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the Platform or by email prior to the changes taking effect. Continued use of the Platform after the effective date of the updated Terms constitutes your acceptance of them.

40. Electronic Communications Consent

By creating an account, you consent to receive electronic communications from Oforro, including push notifications, SMS, and email, related to your account, bookings, and Platform updates. You may opt out of promotional communications at any time through your account settings, but you may not opt out of transactional or account-related messages necessary to operate the Service.

41. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Oforro regarding the Platform.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
• Assignment: You may not assign these Terms without our prior written consent. Oforro may assign these Terms in connection with a merger, acquisition, or sale of assets.
• No Waiver: Oforro's failure to enforce any right or provision will not be deemed a waiver of that right or provision.

42. Contact Us

If you have questions about these Terms, contact us at:

Oforro LLC 2700 N. Miami Avenue, Unit 701, Miami, FL 33127 Email: support@oforro.com

This document is a draft template prepared for informational purposes and does not constitute legal advice. Please have it reviewed by a licensed Florida attorney before publishing or relying on it.

Appendix: Open Questions for Legal Counsel

The following questions are provided to help counsel review and finalize these Terms:

• Are these Terms fully compliant with Florida law?
• Are they enforceable in every U.S. state Oforro may operate in?
• Should California-specific consumer provisions be added?
• [Resolved] A separate Provider Agreement has been drafted and is cross-referenced in Section 6 — please confirm the cross-reference language and conflict-of-terms clause are properly drafted.
• Should Consumers sign a separate Booking Agreement?
• Do we need a separate Privacy Policy, Cookie Policy, and Community Guidelines? (Privacy Policy has been drafted separately.)
• Should we add a DMCA/Copyright Policy?
• Do we need a standalone Acceptable Use Policy?
• Should there be a formal minimum insurance amount required of Providers, rather than "proof of active" coverage?
• Are there Florida marketplace-specific or platform-liability laws that specifically apply to Oforro?
• Are the arbitration and class action waiver provisions in Section 34 likely to be enforceable as drafted?
• Are there additional protections recommended for a reverse-offer marketplace model specifically?

This document is a draft template prepared for informational purposes and does not constitute legal advice. It is pending review by a licensed Florida attorney before final publication.