Handy Circle Cancellation & Payments Policy

1. When you book

When you accept a quote, you add or choose a payment card and confirm the booking. We save the card with our payment processor, Stripe, Inc. Nothing is charged at this point, and we do not place a hold or pre-authorization for the job amount on your card. Some card issuers run a brief check when a new card is saved; that check is not a charge.

We do not take a deposit or any other payment before the work for these bookings. Handy Circle does not store your full card number or security code.

Discounts, promotional codes, referral discounts, and account credits cannot currently be used on bookings paid with a saved card after the job, so the amount charged is the full booking total shown when you confirmed.

2. When your card is charged

Your saved card is charged for the booking total (the pro's price, the service fee, and any applicable taxes, as shown when you confirmed) when one of these happens:

• your pro marks the job complete (this is when the charge is made today);
• where Handy Circle has set a waiting period after completion, that period ends;
• you confirm in the app that the job is done;
• Handy Circle confirms the job was completed and starts the charge; or
• a problem you reported is resolved in the pro's favor.

By confirming a booking with a saved card, you authorize Handy Circle and Stripe to charge that card later without further action from you for the booking total, for any late-cancellation fee under section 3, and for any amount still owed after a charge fails or is reversed. You get a receipt by email or in the app. All amounts are in U.S. dollars.

Your pro is paid only after your card has been charged successfully.

3. Cancelling a booking

If you cancel

• More than 24 hours before the scheduled start: the booking is cancelled and your card is not charged.
• Within 24 hours of the scheduled start: a late-cancellation fee of $25 is charged to your saved card. The fee is never more than the booking total.
• Bookings with no scheduled start time have no late-cancellation fee.
• Either way, your card is not charged for the job itself.

Handy Circle sets the fee and the window and may change them. The fee and window in effect when you confirm a booking apply to that booking, and this page always shows the current amounts.

If your pro cancels or doesn't show up

Your card is not charged for that booking and no fee applies. We can help you find another pro.

If Handy Circle cancels

Handy Circle may cancel a booking, for example at your request through support or when a booking cannot go ahead. If we cancel at your request within 24 hours of the start, the late-cancellation fee may apply. Otherwise your card is not charged.

4. If a payment doesn't go through

If your card is declined, has expired, or your bank asks you to approve the payment, we let you know in the app. You can update your card, or approve the payment with your bank, from the booking's payment screen. We may retry the charge automatically, more than once over the following days, and right away after you update your card.

An amount that is not collected is still owed. Until it is paid, we may limit new bookings on your account, ask you to pay another way, and, where the law allows, take other lawful steps to collect it, including through a collection agency. The same applies to a late-cancellation fee that could not be charged.

5. Problems, refunds and payment disputes

If something isn't right with completed work, tell us within 48 hours in the app or at hello@handy-circle.com. If you report a problem before your card is charged, we may pause the charge while we look into it. If the problem is resolved in your favor before any charge, the booking ends and your card is not charged for it. If it is resolved in the pro's favor, your card is charged.

After a charge, Handy Circle may refund all or part of it to the card you paid with. Refunds usually take several business days to show up, depending on your bank.

If you think a charge is wrong, please contact us first at hello@handy-circle.com so we can fix it. If you dispute a charge with your bank instead, we may share the booking record with your bank, including your saved-card authorization, the pro's completion record, and messages and photos from the job. A dispute about a completed job does not cancel the amount owed.

6. Bookings paid when booked

Some bookings, including bookings made in earlier versions of our app, are paid when you confirm the booking. That payment is held on the platform and released to the pro after the job is completed.

For these bookings, a cancellation is late if it is within about 4 hours of the scheduled start or on the same calendar day. For a late cancellation, we may keep 25% of what you paid. Cancel earlier than that and you get a full refund, including the service fee. If your pro cancels or doesn't show up, you get a full refund.

7. For pros

For bookings paid with a saved card after the job, the customer's card is charged when you mark the job complete, and your payout is created only after that charge succeeds. If the charge fails, we tell the customer and retry, and your payout waits until it succeeds. The Pro app shows, on each job, that the card is on file, when it will be charged, and whether a charge failed. Please don't ask customers for a deposit or any payment outside the app. The Service Provider Agreement (https://www.handy-circle.com/legal/service-provider-agreement) has the full terms.

8. Contact

Questions about a payment or a cancellation: hello@handy-circle.com. Handy Circle, Inc., 56 Broad St STE 14252, Boston, MA 02109.