Independent contractor terms

Version 2026-10-01.

1. You are an independent contractor, not an employee of the platform or any lender. The platform is a marketplace and payment facilitator that connects workers with lenders. It does not employ you, and it pays no wages or employee benefits.
2. You set your own schedule, choose which leads to claim, may decline any lead and may work for others. You provide your own computer, internet connection and workspace.
3. You are responsible for your own insurance, including health, disability and occupational accident coverage. The platform does not provide workers' compensation insurance for independent contractors.
4. You are responsible for your own income and self-employment taxes. Payments are reported to you on a Form 1099.
5. You contact borrowers only through the Board: the in-app dialer and email composer. No contact with borrowers outside the system. If you contact a borrower outside the system, the bounty for that lead is forfeited and your account may be suspended.
6. Phone numbers and email addresses assigned to you belong to the lender or the platform. Borrower relationships stay with the lender.
7. All calls are recorded. You must give the recording disclosure on every call.
8. Practice calls and your test call are recorded and scored by AI. A lender that considers adding you to its caller roster can read the transcript and score and play the recording. A lender can decline or remove you from its roster at any time. That decision applies to that lender only.
9. Business-purpose loans only. You do not quote rates or promise approvals.
10. Leads are first come, first served, subject to your lead cap. Overdue follow-ups and inactivity return leads to the board, and you lose credit for them.
11. The bounty is paid to whoever holds the lead when the loan funds. Payouts require a completed W-9 and bank account through Stripe.
12. You follow all calling-hour rules, do-not-contact requests, and unsubscribe requests.