Terms of Service

By using lyenfl.com or the LYEN service, you agree to these terms. If you don't agree, don't use the service.

1. The service

LYEN Inc. ("LYEN", "we") operates a platform that connects homeowners with contractors for home-improvement projects. LYEN checks insurance, and the state license Florida requires for that trade, before a contractor is verified, and each bid shows you where that contractor stands. We facilitate introductions, communications, scheduling, and payments. Contractors are independent businesses, not LYEN employees. The work itself is performed by the contractor under their own license, insurance, and contract.

2. Eligibility

You must be at least 18 years old, legally able to enter contracts, and a US resident. By creating an account, you represent these are true.

3. Your account

You're responsible for everything that happens under your account, including keeping your password secret. Notify us immediately if you suspect unauthorized access at support@lyenfl.com. We can suspend or terminate accounts that violate these terms.

4. SMS and call communications

If you provide your phone number, you consent to receive transactional text messages and phone calls from LYEN about your account and your projects. For homeowners that means appointment confirmations, reminders, en-route notices, follow-ups, and support. For contractors it means bid invitations, award and claim notices, scheduling and milestone updates, payout status, and support. Consent is not a condition of using the service.

Program name: LYEN Project Communications. Description: Transactional SMS about your home-improvement project or job. Message frequency: Recurring; typically 1–5 messages per active project or job. Message and data rates may apply.

To stop messages: Reply STOP to any text. For help: Reply HELP or email support@lyenfl.com. Full program details are in our SMS Terms.

Carriers (AT&T, Verizon, T-Mobile, etc.) are not responsible for delayed or undelivered messages. Your wireless carrier may charge you for sending or receiving messages, so check your plan.

5. Quotes, contracts, and payment

Quotes from contractors on LYEN are the contractor's offer to perform work, subject to a separate written contract between you and the contractor. LYEN's role is to introduce you, facilitate communication, and process payments. Final scope, pricing, warranty, and dispute resolution are between you and the contractor.

Payments are processed via Stripe. Funds are held safely by our payments partner until milestones are released by you. The five conditions published in the Disputes section of the LYEN Terms of Service at lyenfl.com/terms are the only times LYEN moves this money without your approval. LYEN takes a service fee (disclosed before payment). Homeowners pay the agreed project price, plus the optional LYEN Guarantee if they choose to add it. Contractors pay the platform fee (10 to 15 percent based on DNA Score) once, when they claim a job, and Stripe's processing fee on each payment, which comes out of that payment. For contractors, LYEN's fee is charged one time, when the contractor claims the job, as the contractor's DNA tier percent of the price the homeowner signed. Change orders carry no LYEN fee, whether they raise or lower the price, and a change order that lowers the price does not refund the fee charged at claim. All fees are non-refundable except as required by law or LYEN's stated guarantee. The claim fee is not refundable, except that LYEN may refund it at its discretion when a homeowner cancels an awarded job before any work has started and the contractor is not at fault.

6. Cancelling an awarded job

Before a contractor is awarded, a homeowner can cancel their own project from the Projects page.

Once a job is awarded, or work has started, neither the homeowner nor the contractor can cancel it in the app. Only LYEN can cancel an awarded or in-progress job, and only after both the homeowner and the contractor approve the cancellation in writing by email.

To ask for a cancellation, email support@lyenfl.com from the email address on your LYEN account. LYEN then emails both the homeowner and the contractor a cancellation request with a reference code. Each party approves by replying to that request from the email address on their LYEN account, keeping the reference code in the subject line. LYEN may confirm an approval with you before it cancels the job. LYEN keeps both written approvals, and a record of the cancellation, on file.

Cancelling a job does not move money by itself. LYEN cancels a job only after any funds held safely by our payments partner have been refunded or released, under the written agreement between the homeowner and the contractor. Fees paid to LYEN are handled as described in Section 5.

If either party does not agree, the job is not cancelled. Disagreements go through the dispute process in Section 11.

7. Acceptable use

Don't use LYEN to:

• Submit false, misleading, or fraudulent information
• Impersonate anyone or misrepresent your relationship to a property
• Solicit business outside the platform from contractors you met through LYEN, in violation of contractor terms
• Reverse-engineer, scrape, or use the service to build a competing product
• Send spam, harass, or threaten other users
• Violate any law or third-party right

8. Content you submit

You retain ownership of content you submit (project descriptions, photos, messages). You grant LYEN a non-exclusive, royalty-free license to use, host, display, and share this content as needed to operate the service (e.g., showing your project description to matched contractors). We don't sell your content.

9. Disclaimers

The service is provided "as is" and "as available." We don't guarantee the service will be uninterrupted, error-free, or free of viruses. Contractor work, ratings, and verifications are based on information available at the time and may not reflect current circumstances. LYEN does not perform construction work itself and is not responsible for the quality, safety, or legality of work performed by contractors.

10. Limitation of liability

To the maximum extent allowed by law, LYEN's total liability for any claim arising from your use of the service is limited to the greater of (a) the fees you paid LYEN in the 12 months before the claim, or (b) $100. We are not liable for indirect, incidental, consequential, or punitive damages.

11. Disputes

Disputes between you and a contractor about work quality, scope, or payment should first be raised through the LYEN dispute-resolution flow. Disputes between you and LYEN are governed by Florida law and resolved in the state or federal courts located in St. Lucie County, Florida, unless you live in a state where mandatory venue laws say otherwise.

When LYEN can move money from the funds held for you without your approval

The conditions in this section are the only ones under which LYEN moves your project funds, the deposit and the milestone draws LYEN holds against your signed project price, without the homeowner approving the step.

LYEN staff cannot move held money on their own judgment: the situation has to be one of the five conditions, which one it was is recorded on the project, and LYEN tells the homeowner which condition was used.

• Homeowner authorized homeowner_authorized
  The homeowner gave a specific, recorded instruction to move this money.
• Resolved dispute resolved_dispute
  A dispute between the homeowner and the contractor was resolved, and this is the outcome LYEN gave both of them in writing.
• Contractor default contractor_default
  The contractor abandoned the work or failed to perform it, which warrants returning the money to the homeowner.
• Legal or regulatory determination legal_determination
  A legal or regulatory determination requires this action.
• Operational correction operational_correction
  LYEN is correcting a prior processing error, and this puts the money where it should have been.

Each of these is checked and recorded before the money moves. The condition recorded for your project is the one named in the notice LYEN sends you.

A LYEN job invoice is separate from your project funds. It is your contractor's bill to you: when you choose to pay one, LYEN holds that payment and passes it to your contractor, takes no fee from it, and can hold it back while LYEN reviews the job.

12. Termination

You can close your account anytime in account settings. We can suspend or terminate accounts that violate these terms or pose risk to the platform, with notice when feasible. Termination doesn't cancel obligations that survive: payments owed, indemnification, dispute resolution, and similar.

13. Changes

We may update these terms. Material changes will be announced by email or in-app notice at least 30 days before they take effect. Continuing to use the service after changes means you accept them.

One exception, stated here rather than left for a reader to find: the changes published on September 23, 2026 took effect when they were published, without the 30 day window. Those changes set out rules LYEN was already operating, and add one duty for LYEN: when LYEN moves money it holds for you without your approval, it now tells you which condition it used. The Disputes section now prints the conditions under which LYEN can move money it is holding without your approval, section 5 names that same exception, and section 1 states what LYEN checks on a contractor and when. LYEN published them early because a rule you can read before you fund anything is better than one you learn about afterwards. If you do not accept them, email legal@lyenfl.com, and you can close your account at any time under section 12.

A second exception concerns section 5. The change to it published on September 27, 2026, under which a contractor pays Stripe's processing fee on each payment, took effect when it was published, without the 30 day window. It applies only to a job a contractor claims after the claim page shows that fee, before the claim fee is paid. On any job claimed without it, LYEN pays the fee, as before. Nothing changed for homeowners.

14. Contact

Legal: legal@lyenfl.com
Support: support@lyenfl.com

LYEN Inc.