Plain-English summary on top of every section. The bold paragraph is the legal text. These terms have not yet been reviewed by counsel, production launch requires legal sign-off.
1. What Ocoro is
Plain English: Ocoro is a marketplace that connects homeowners and licensed residential contractors. We don't perform the work and we don't handle homeowner payments, the contractor invoices the homeowner directly.
Ocoro, LLC (“Ocoro,” “we,” “us”) operates an online marketplace at ocoromarket.com (the “Service”) that facilitates the introduction of homeowners to independent licensed residential trade contractors. Ocoro is not a contractor, employer, agent, or representative of any contractor. Ocoro does not perform, supervise, warrant, or guarantee any work performed by contractors. All work, contracts, payments, warranties, and disputes are between the homeowner and the contractor.
2. Eligibility
Plain English: You must be 18+ and legally able to enter contracts. Contractors must hold valid state licenses and required insurance.
To use the Service, you must be at least 18 years of age and capable of forming a binding contract. Contractor accounts additionally require a current state-issued license appropriate for the trade and jurisdiction in which work is offered, plus general liability insurance of not less than $1,000,000 per occurrence, verified directly with the carrier.
3. Accounts
You are responsible for your account credentials and all activity under your account. Notify us immediately at legal@ocoromarket.com of any unauthorized access. You must provide accurate, current information and update it as needed. We may suspend or terminate accounts at our discretion for violation of these Terms, license expiration, insurance lapse, or for safety reasons.
4. The marketplace transaction
Plain English: Homeowner posts a job. Contractors send sealed bids. Homeowner picks one. Contractor performs the work and bills the homeowner directly. Ocoro is the marketplace, not a party to the work.
Ocoro facilitates a structured bidding process: a homeowner posts a job with scope, location, urgency, and supporting media; eligible contractors receive notification and may submit fixed-price bids; the homeowner may accept one bid, which closes the listing. Acceptance of a bid creates a direct contract between the homeowner and the contractor on the terms of the bid. Ocoro is not a party to that contract. Ocoro does not collect, hold, or transmit homeowner payments to contractors.
4.1 Our role, what we will and will not do
Plain English: We’re the marketplace. We don’t mediate fights, judge work quality, refund payments we never received, inspect anything, or substitute for legal counsel.
Ocoro is a marketplace facilitator. Our role is limited to: (a) hosting job postings and bids, (b) routing eligible contractors to a job through our matching system, (c) verifying contractor license and insurance status at onboarding and on a recurring basis to the extent reasonable, (d) preserving the structured contract record (the accepted bid plus any approved change orders), (e) preserving message logs between parties on the platform, (f) collecting and reviewing complaints filed through our complaint form, and (g) charging contractors the platform fees described in our Pricing page.
Ocoro will NOT: mediate or arbitrate disputes between homeowners and contractors; adjudicate price disputes, scope disagreements, or workmanship disagreements; inspect work for code compliance, quality, or completion; refund payments made by a homeowner directly to a contractor (Ocoro never holds those payments); provide legal advice; or substitute for the appropriate forum for a dispute (state licensing board, small claims court, the homeowner’s card issuer, or law enforcement).
For genuinely dangerous conduct or suspected fraud, Ocoro will, at its discretion, (i) remove the contractor or homeowner from the platform, and (ii) refer the matter to law enforcement and / or the relevant state licensing board. These are the only actions Ocoro commits to taking on a complaint.
Disputes about the work itself remain between the homeowner and the contractor and may be pursued through the appropriate forum:
- Quality / code violation: the relevant state licensing board.
- Payment dispute (homeowner side): your card issuer (chargeback) or small claims court.
- Payment dispute (contractor side): small claims court or a mechanic’s lien per state law.
- Criminal conduct or imminent safety: law enforcement (911 / your local police).
Ocoro may, on request, provide either party with a structured copy of the records we hold relevant to a dispute (the original scope, the accepted bid, approved change orders, message log) for use in any of the above forums. We do not testify, opine, or advocate.
5. Fees
Homeowners pay a tiered posting fee — free for up to 2 bids, $5 for up to 4 bids, $10 for up to 10 bids; maintenance posts are a flat $8. Contractors pay the fees described on our Pricing page, billed under the Billing & Refunds policy. Ocoro may modify fees with 30 days’ notice, communicated via email and on the Service.
6. Verification & ratings
Ocoro performs reasonable license and insurance verification at onboarding and on a recurring basis, but does not guarantee the continuous accuracy of any verification. Reviews are based on completed jobs run through Ocoro only. Three substantiated complaints in 12 months may result in removal from the Service.
7. Prohibited conduct
See our Acceptable Use Policy. Violations may result in account suspension, termination, removal of content, and forfeiture of paid fees.
8. Content & licenses
You retain ownership of content you submit (job descriptions, photos, video, bids). By submitting, you grant Ocoro a worldwide, non-exclusive, royalty-free license to host, display, transmit, transcode, and otherwise process the content as needed to operate the Service. We will not sell user content. We may use aggregated, anonymized data for product improvement.
9. Disclaimers
The Service is provided “as is” and “as available.” Ocoro makes no warranty regarding contractor work quality, timeliness, code compliance, or fitness for any particular purpose. Ocoro expressly disclaims all warranties to the maximum extent permitted by law. Homeowners are responsible for verifying scope, code, and quality before final payment to a contractor.
10. Limitation of liability
To the maximum extent permitted by law, Ocoro’s aggregate liability for any claim arising out of or related to the Service is limited to the greater of (a) the fees paid by the claimant to Ocoro in the 12 months preceding the claim or (b) $100. Ocoro is not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, even if advised of the possibility.
11. Indemnification
You agree to indemnify and hold harmless Ocoro from any claim, loss, or expense (including reasonable attorneys’ fees) arising from your use of the Service, your content, your violation of these Terms, or, in the case of contractors, work performed for any homeowner introduced through Ocoro.
12. Dispute resolution
Disputes between a homeowner and a contractor are between those parties. Ocoro may, at its discretion, provide a copy of structured records (the original scope, the awarded bid, the message log) to assist resolution, but does not adjudicate disputes. Disputes between you and Ocoro will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Rules, except for small-claims disputes and equitable relief. You and Ocoro waive class actions and class arbitration. Arbitration will take place in the state where you reside.
13. Governing law
These Terms are governed by the laws of the State of Massachusetts, without regard to conflict of law principles. Where applicable consumer protection laws of your state of residence provide stronger protections, those apply.
14. Changes
We may update these Terms. Material changes will be communicated via email and on the Service at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.
15. Contact
Ocoro, LLC · legal@ocoromarket.com · Mailing address available on request.