Terms of Service

Last updated: March 18, 2026

Please read these Terms of Service (“Terms”) carefully before using the TradeGuard platform operated by TradeGuard (“Company,” “we,” “us,” or “our”). By creating an account or using the service, you agree to be bound by these Terms. If you do not agree, do not use the service.

Note: These Terms are provided as a starting point. We recommend consulting with a qualified attorney to ensure these Terms are appropriate for your specific business and jurisdiction.

1. Description of Service

TradeGuard is a software-as-a-service (SaaS) platform that helps general contractors and construction businesses track Certificates of Insurance (COIs) for their subcontractors. The service includes:

  • A web-based dashboard for storing and viewing subcontractor COI information
  • Automated email alerts at 90, 60, and 30 days before COI expiration, and upon expiration
  • AI-powered extraction of COI details from uploaded PDF documents
  • PDF compliance report generation
  • Subscription billing management through Stripe

TradeGuard is a tracking and notification tool. We do not provide legal, insurance, or compliance advice. You are solely responsible for verifying the validity and adequacy of subcontractor insurance and for complying with all applicable laws and contract requirements.

2. Eligibility and Account Registration

To use TradeGuard, you must:

  • Be at least 18 years old
  • Be authorized to enter into this agreement on behalf of yourself or your organization
  • Provide accurate, current, and complete information during registration
  • Maintain the security of your account credentials

You are responsible for all activity that occurs under your account. You must notify us immediately at support@trade-guard.pro if you suspect unauthorized access to your account.

One account per organization. You may not create multiple accounts to circumvent plan limits or to abuse the free trial.

3. Free Trial

New accounts receive a 14-day free trial with full access to the service. No credit card is required to start the trial. At the end of the trial period:

  • Your account will be paused if you have not selected a paid plan
  • Your data will be retained for 30 days after the trial ends
  • You may upgrade at any time during or after the trial to restore full access
  • After 30 days without payment, your data may be permanently deleted

The free trial is available only once per organization. We reserve the right to modify or discontinue the free trial at any time.

4. Subscriptions and Billing

Plans

TradeGuard offers the following paid subscription plans:

  • Starter: $99/month or $1,000/year — up to 25 active subcontractors, 1 user seat
  • Pro: $199/month or $2,000/year — unlimited subcontractors, up to 5 user seats, priority support

Plan features and pricing are subject to change. We will provide at least 30 days' notice of any price changes to existing subscribers.

Billing and Payment

Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your selected plan). Payment is processed by Stripe. By subscribing, you authorize us to charge your payment method on each billing date.

If payment fails, we will attempt to retry the charge. After repeated failures, your account may be suspended. You are responsible for keeping your payment information current.

Cancellation

You may cancel your subscription at any time from your billing settings or by contacting us at support@trade-guard.pro. Upon cancellation:

  • Your subscription will remain active through the end of your current billing period
  • You will not be charged for subsequent billing periods
  • No partial refunds are provided for unused time on monthly plans
  • Annual plans are non-refundable except as required by applicable law

Refunds

Monthly subscriptions are non-refundable. Annual subscriptions may be eligible for a prorated refund within 14 days of the annual renewal date, at our discretion. To request a refund, contact support@trade-guard.pro.

5. Acceptable Use

You agree to use TradeGuard only for lawful purposes and in accordance with these Terms. You agree not to:

  • Upload false, fraudulent, or fabricated COI documents
  • Upload any content that violates applicable law or third-party rights
  • Attempt to gain unauthorized access to our systems or another user's account
  • Use the service to send spam or unsolicited communications
  • Reverse engineer, decompile, or attempt to extract the source code of the service
  • Resell or sublicense access to the service without our written consent
  • Use automated scripts or bots to access the service in a manner that places unreasonable load on our infrastructure
  • Use the service in any way that could damage, disable, or impair the service

We reserve the right to suspend or terminate accounts that violate these terms without notice or refund.

6. Your Data and Content

Ownership

You retain full ownership of all data you upload or enter into TradeGuard, including subcontractor records, COI documents, and any other content (“Your Content”). We do not claim any ownership rights over Your Content.

License to Us

By using the service, you grant us a limited, non-exclusive, royalty-free license to store, process, and display Your Content solely for the purpose of providing the service to you. This license terminates when you delete the content or close your account.

Your Responsibility

You are responsible for ensuring you have the legal right to store and process information about your subcontractors. You represent that uploading and storing subcontractor data does not violate any applicable law or agreement.

Data Export

You may export your data at any time through the service's export features. We will also provide your data in a portable format upon written request within 30 days of account closure.

7. Intellectual Property

The TradeGuard platform, including its software, design, trademarks, logos, and all associated intellectual property, is owned by us and is protected by copyright, trademark, and other applicable laws. Nothing in these Terms grants you any right to use our trademarks, trade names, or logos without our prior written consent.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

  • The service will be uninterrupted, error-free, or secure
  • Expiry alerts will be delivered on time or at all (delivery depends on email infrastructure outside our control)
  • The AI extraction feature will accurately extract all information from every document
  • The service will meet your specific compliance, legal, or regulatory requirements

TradeGuard is a notification tool, not a compliance guarantee. You are solely responsible for verifying subcontractor insurance coverage and for your own compliance with applicable laws, contracts, and regulations.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COI GUARD, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits or revenue
  • Loss of data or business information
  • Liability claims arising from uninsured subcontractors
  • Costs of procurement of substitute services
  • Any claims arising from missed or delayed expiry alerts

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless TradeGuard and its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the service
  • Your violation of these Terms
  • Your violation of any third-party right, including any privacy or intellectual property right
  • Any claim by a third party related to content you uploaded or stored in the service

11. Service Availability and Modifications

We strive to maintain high availability but do not guarantee any specific uptime. We may temporarily suspend access for maintenance, upgrades, or emergency situations. We will provide advance notice of planned maintenance where possible.

We reserve the right to modify, discontinue, or sunset features of the service at any time. For material changes that reduce functionality, we will provide at least 30 days' notice and, where appropriate, a prorated refund.

12. Termination

Either party may terminate this agreement at any time. We may suspend or terminate your account immediately if you breach these Terms, fail to pay, or engage in fraudulent activity.

Upon termination: your access to the service ceases, and your data will be retained for 30 days before deletion. You may request immediate deletion by contacting support@trade-guard.pro.

13. Governing Law and Disputes

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration in Fredericksburg, Virginia, except that either party may seek injunctive relief in a court of competent jurisdiction.

You waive any right to participate in a class-action lawsuit or class-wide arbitration against TradeGuard.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email and by posting the updated Terms at this URL with a revised “Last updated” date. Your continued use of the service after changes become effective constitutes acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the service and may cancel your subscription.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and TradeGuard regarding the service and supersede all prior agreements, representations, or understandings. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16. Contact

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