Doyo Provider Agreement

You are running your own business

You are an independent contractor. You are not an employee of Doyo, and nothing here makes you one. There is no partnership, joint venture or agency between us.

That is not just a label — it describes how this actually works. You choose which jobs to accept and which to decline. You decide how to do the work, what equipment to use, and who, if anyone, helps you. You set your own rate. You can work for anyone else, including our competitors, at any time.

Because of that, you are responsible for your own taxes, your own insurance, and your own business registration. Doyo does not withhold tax, does not pay employment benefits, and does not provide vacation or severance.

When you accept a job, you are the one supplying the service to the customer, and your contract for the work is with them. You are responsible to the customer for the work, as any business is to its own customer, including the obligations Ontario's Consumer Protection Act places on a supplier.

Tax, HST and WSIB

You are responsible for reporting your income and for remitting any tax you owe. If your revenue passes the CRA threshold for mandatory HST registration, registering and charging HST is your obligation, not ours.

Where the law requires us to report amounts paid to you, we will, and we will tell you what we reported.

If you employ anyone, or if your trade requires it, WSIB coverage is your responsibility. Some customers and some job sites will ask for proof of it.

If you work in construction, read this twice. WSIB coverage is compulsory for most independent operators in construction. Ontario exempts some people doing home renovation work, but that exemption depends on being hired and paid directly by the homeowner — and on Doyo the customer pays Doyo, and Doyo pays you. Do not assume the exemption covers your Doyo work. Check your own position with WSIB, register if you are required to, and keep a clearance certificate current.

Licences, qualifications and insurance

You warrant that you hold every licence, certificate and registration your trade requires in Ontario, and that they are current. Electrical work requires an ECRA/ESA licensed electrical contractor. Gas work requires TSSA registration. Plumbing requires a 306A certificate. Other trades have their own requirements, and they are yours to know.

You must not accept or carry out work you are not licensed to do, and you must not have someone unlicensed do it for you. Before you are offered work in a licensed trade, we check your licence on the regulator's public register, and you stop being offered that work when it lapses.

On the trades that require it, you must hold commercial general liability insurance of at least two million dollars, keep it in force, and keep a current certificate on file with us. Your verification screen names the trades this applies to.

Your insurance is your responsibility, and so is what you tell us about it. When you upload a certificate, you declare that it is genuine, current, yours, and covers the work you do on Doyo. We review the certificate for completeness — the type of document, the name, the dates and the limit — but we do not confirm your cover with your insurer, and customers are told that. Customers see that you have a certificate on file, provided by you. Until a complete certificate is on file you are not offered work in those trades, and you stop being offered it on the day the policy ends.

Every document you give us — licence, certificate, policy, ID or police check — must be genuine, current and yours. You authorise Doyo to contact the issuer, your insurer and your broker at any time to confirm it, and to be told if it ends; we may check any provider at random. Giving us a false, altered or borrowed document, or a certificate for cover you do not have, is fraud: we remove you at once, may keep any pay still held to cover what it costs customers and Doyo, and may report it to the police and to the insurer or regulator concerned.

On plumbing, electrical, heating and cooling, renovation and flooring, Doyo Innovative Solutions Inc. must also be named as an additional insured on your policy. Your broker can add this, usually as an endorsement.

The insurance is yours, not ours. There is no Doyo policy standing behind you, and a certificate on file with us is not a promise by Doyo that you are covered or that your insurer will pay any particular claim.

Tell us at once if a licence or a policy lapses, is cancelled, is suspended, or is refused.

Background checks

Before you are offered work, your identity and your police record are checked by an independent screening company we work with. The check is a Criminal Record and Judicial Matters Check, run online, and it includes the identity check. You renew it every 12 months.

The check fee is set by the screening company and shown to you before you pay. You pay it by card when you start the check. Doyo adds nothing to it. If the check comes back inconclusive, the fee is refunded in full. Once a check is completed, the fee is not refunded, whatever the result.

Until the check is available in the app, we ask you to upload your own police check, issued within the last 6 months, and photo ID, and Doyo reviews them. A check approved that way stays valid until it is due for renewal; after that, you renew through the app.

The screening company confirms your identity and asks for your consent before it runs the check and before it sends us the result. You consent to us keeping the result on file and using it only to decide whether you can work on Doyo. We never show it to customers or Area Partners.

We may decline or remove a provider on the basis of what a check shows, particularly where the work involves entering someone's home. If a result is not clear, we contact you privately first and give you the chance to explain before we decide.

How you get paid

You appoint Doyo as your limited payment collection agent. Doyo collects payment from customers on your behalf, through Stripe, takes Doyo's fee, and pays the rest to you as described below. When a customer pays Doyo for your job, the customer has paid you: you may not ask the customer to pay that amount again.

On a quoted job you set your own price in the quote you send. On a job booked from our catalogue, the listed price is Doyo's standard price for that service. You see it, and what you will earn on it, before you accept; when you accept, you agree to do the job at that price, and it is your price to the customer. Nobody is ever obliged to take a job at a price they do not want.

You set your rate. Doyo's fee has two parts: a markup added on top of your rate, which the customer pays, and a commission taken out of your rate, which you absorb. Both are shown to you before you accept a job, and the amount you will earn is on the job offer itself.

Fees vary by service, by category, and by job size — larger jobs carry a different rate than small ones. The rates in force are visible in the app. Whatever they are, the figure stamped on a job when you accept it is the figure that settles: a later fee change cannot re-price a job you already took.

Coupons and Doyo credit come out of Doyo's share, never out of yours.

When a job completes with a payment that was authorized, we capture it and credit your balance.

When the customer pays you directly, in cash or otherwise, you collect the full price from them, and Doyo's fee on that job is still owed. We record it against your Doyo balance and take it from the pay on your next jobs. Your balance can go below zero while a fee is owed. If it stays below zero for 30 days with no new jobs to set it against, we may ask you to pay it, and you agree to.

Tips are yours in full. We take no fee on them.

Quoted jobs and the holdback

On quoted jobs your money moves differently. The deposit and the balance are held rather than paid straight out, and released once the customer confirms the work is done. A percentage is held back further, for a warranty period, and released at the end of it.

The percentage and the period are shown to you when you send the quote. If the customer raises a problem, the held funds stay held while it is looked at.

This is the mechanism that lets a customer commit to a large job with someone they have not met. It cuts both ways: it also means a customer cannot take delivery of the work and then vanish before paying.

Estimates, quotes and the ten per cent rule

Under Ontario's Consumer Protection Act you may not charge a consumer more than ten per cent above the written estimate or quote you gave them, unless they agree to the higher amount in writing first.

So if the job turns out to be bigger than you thought, stop and put the revised figure to the customer in the order chat, and wait for their answer before carrying on. If they agree, the ten per cent is measured against the new figure.

Doing the extra work first and presenting the bill afterwards is not something we can support, and not something the law supports either. You will be asked to honour the original figure.

Payouts

Your available balance is what has actually been collected and released. Jobs paid to you directly, funds still held on a quoted job, and warranty holdbacks are not available balance — they are shown separately so you can see why.

Payouts go to the account you give us. Keep those details current; a payout sent to a stale account is slow to recover.

Pay from a job becomes available to pay out 7 days after the job is completed. This gives time for a customer to report a problem or dispute a card payment. On quoted jobs, the holdback rules above apply as well.

If a customer is refunded, or wins a card dispute, because of your work — work not done, not done as agreed, or damage you caused — we may take back what we paid you for that job, in whole or in part, from your balance or your next jobs' pay. We tell you each time by email, in the app and in your inbox: the job, the amount and the reason. If you disagree, reply within 14 days and we will review it with you. If we got it wrong, we pay it back.

We never take back pay because of something Doyo caused, such as a pricing or booking error on our side.

How you are expected to work

The standards you agreed to at sign-up still apply, and they are part of this agreement. In short: turn up in the window you accepted, hold to the price you quoted, keep the job on Doyo, leave the place as you found it, and remember your rating is the business.

Beyond those: treat customers and their homes with respect, do not smoke or consume alcohol on site, do not bring anyone who is not part of the job, and do not enter areas you have no reason to be in.

Declining a job is free and always has been. Accepting one and then cancelling is not — it costs the customer their afternoon, and it costs your score.

Customer information

You get a customer's address and contact details so you can do the job. That is the only reason you have them.

Do not use them to market to the customer, do not add them to a mailing list, do not pass them to anyone else, and do not keep them after the job is done beyond what your own records and tax obligations require.

Keeping work on the platform

Do not take a Doyo customer off the platform, and do not accept an invitation to go off it. That includes asking for payment in cash to avoid the fee, and arranging a follow-up job privately with a customer you met here.

It is grounds for removal. It also strips the customer of every protection they booked expecting to have, and strips you of the record that proves what was agreed if they later dispute it.

Your score, and how work is offered

Jobs are offered based on distance, availability and score. Your score is built from your rating, your completion rate, how quickly you respond, how active you are, and whether you arrive on time.

Until you have enough history for a factor to mean anything, it sits at a neutral value rather than a flattering one. It is not a penalty and it is not a reward — it is an honest "we do not know yet".

Doyo does not promise any number of jobs or any level of earnings. Work depends on customer demand, your trades, your area and your availability.

Suspension and removal

We may suspend or remove you for working without a required licence, for taking work off the platform, for safety or conduct problems, for fraud, or for a pattern of cancellations and no-shows.

Where we suspend or remove you, we tell you why and you can ask us to look at it again. Money you have properly earned on completed jobs is still yours, and we will pay it out.

Responsibility for the work

The work is yours. You are responsible for its quality, its safety, its compliance with the Ontario Building Code and any other applicable standard, and for damage you cause.

How you do it is your call. We describe a job by what gets done, not by how many people turn up or what you drive — bring the crew and the equipment the job needs. What we do hold you to is the outcome the listing described and the price that was agreed. If a customer has asked for something specific in the order chat and you accepted it, that is part of the job too.

You agree to cover Doyo, including its reasonable legal costs, against claims, losses and costs arising from work you carried out; damage or injury you or your helpers caused; a licence, insurance, registration or document you said you held that you did not hold or that was not genuine; and any tax, HST, payroll or WSIB amount owed by your business, including any claim that you or your helpers are Doyo's employees. This does not extend to anything caused by Doyo's own acts or omissions.

Except where the law does not allow us to limit it, Doyo's liability to you for any claim connected to a job is limited to the fees we took on that job.

Your rights under Ontario law come first

If you are a consumer in Ontario, the Consumer Protection Act, 2002 gives you rights that apply no matter what any agreement says. Nothing here takes them away, and any part of this agreement that conflicts with them does not apply to you.

That includes two things worth stating plainly, because many platforms write the opposite. You are not required to take a dispute to private arbitration instead of court, and you are not giving up your right to start or join a class proceeding. Sections 7 and 8 of that Act make such terms unenforceable in Ontario, and we are not asking you to sign one.

Where we say our liability is limited, that limit does not apply to anything the law does not allow us to limit.

Privacy

How we handle personal information is set out in our Privacy Policy at doyo.ca/privacy, which forms part of this agreement. In short: we collect what the service needs, payment card details go to Stripe and never reach our servers, and we do not sell personal information.

Changes to this agreement

We may update this agreement. When we do, the version number changes and you are asked to read and accept the new one — you will not be treated as having agreed to wording you were never shown.

If you do not accept a new version, you can keep using the parts of Doyo that do not depend on it, and you can close your account at any time. Work already booked stays under the version you accepted when you booked it.

Governing law

This agreement is governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. The courts of Ontario have jurisdiction, and nothing here prevents a consumer from bringing a claim in the Superior Court of Justice or in Small Claims Court.

Doyo is operated by Doyo Innovative Solutions Inc., a corporation incorporated in Ontario with its office in Toronto. We serve the Greater Toronto Area and York Region, including Newmarket. You can reach us at [email protected].