Run Your Tow Business
From One App

Effective: January 2026 · Last Updated: September 2026

This Privacy Policy explains how Belmont Labs Inc. ("TowFi," "we," "us," or "our") collects, uses, and protects your personal information when you use the TowFi Provider mobile application.

1. Information We Collect

1.1 Account Information

When you register as a TowFi Provider, we collect:

• Full legal name
• Email address
• Phone number
• Business name and address
• Driver's license information
• Profile photo (optional)

1.2 Identity Verification

Through our payment partner Stripe, we collect:

• Date of birth
• Last 4 digits of Social Security Number
• Government-issued ID for verification
• Bank account information for payouts

1.3 Location Data

We collect location data when:

• You are online and available for jobs
• You are actively completing a job
• You navigate to a customer location

We do NOT track your location when you are offline or between jobs.

1.4 Device Information

• Device type and model
• Operating system version
• App version
• Device identifiers
• Push notification tokens

1.5 Usage Data

• Jobs accepted and completed
• Earnings and payout history
• App usage patterns
• Customer ratings and reviews

2. How We Use Your Information

2.1 Providing Services

• Connect you with customers needing towing services
• Process payments and payouts
• Share your location with customers during active jobs
• Display your business information to potential customers

2.2 Account Management

• Verify your identity and business credentials
• Communicate with you about your account
• Send job notifications and updates
• Provide customer support

2.3 Platform Improvement

• Analyze usage patterns to improve the app
• Develop new features and services
• Ensure platform security and prevent fraud
• Generate aggregated, anonymized statistics

2.4 Legal Compliance

• Issue tax documents (1099 forms)
• Respond to legal requests and court orders
• Investigate violations of our terms
• Protect our rights and property

3. Information Sharing

3.1 With Customers

When you accept a job, customers can see:

• Your business name
• Your profile photo
• Your average rating
• Your real-time location (during active jobs)
• Your estimated arrival time

3.2 With Service Providers

• Stripe (payment processing)
• Cloud hosting providers
• Analytics services
• Customer support tools

3.3 We Do NOT

• Sell your personal information to third parties
• Share your data with advertisers
• Provide your information to competitors
• Use your data for purposes unrelated to our services

4. Biometric Data

If you enable Face ID or Touch ID:

• Biometric data is stored ONLY on your device
• TowFi does not access, collect, or store biometric data
• Apple's Secure Enclave handles all biometric authentication
• You can disable biometrics at any time in app Settings

5. Data Security

We protect your information using:

• 256-bit SSL/TLS encryption for data transmission
• Encrypted storage for sensitive data
• Secure authentication protocols
• Regular security audits and testing
• Access controls and employee training

5.1 Your Responsibilities

• Keep your login credentials confidential
• Use a strong, unique password
• Enable biometric authentication when available
• Report any unauthorized access immediately

6. Data Retention

We retain your data as follows:

• Account data: While your account is active
• Transaction records: 7 years (tax compliance)
• Location data: 90 days after job completion
• Support communications: 3 years

After account deletion, we retain only data required for legal compliance.

7. Your Rights

7.1 Access and Portability

You can request a copy of your personal data at any time through the app or by contacting support.

7.2 Correction

You can update your account information directly in the app or contact support for assistance.

7.3 Deletion

You can request deletion of your account and personal data. Some data may be retained for legal compliance.

7.4 Opt-Out

• Marketing emails: Unsubscribe link in emails
• Push notifications: Device settings
• Location tracking: Go offline in the app

8. California Residents

Under the California Consumer Privacy Act (CCPA), California residents have additional rights:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale of personal information
• Right to non-discrimination for exercising rights

We do not sell personal information as defined by the CCPA.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email or in-app notification. Continued use of the app after changes constitutes acceptance.

10. Contact Us

Mailing Address:
Belmont Labs Inc.
27308 NE 46th St
Camas, WA 98607

Last Updated: September 2026

1. Acceptance of Terms

By registering as a TowFi Provider, you agree to be bound by these Terms and Conditions. TowFi is owned and operated by Belmont Labs Inc. These terms govern your use of the TowFi Provider mobile application and your participation as a service provider in the TowFi network.

2. Description of Service

TowFi is a mobile platform that connects customers needing roadside assistance with independent towing service providers. TowFi facilitates the connection and handles payment processing but does NOT employ you or control how you perform services.

3. Eligibility Requirements

To register and remain active as a TowFi Provider, you must:

• Be at least 18 years of age
• Be the owner or authorized representative of a towing company
• Hold all required state and local licenses for towing operations
• Maintain valid commercial auto insurance meeting state minimum requirements
• Operate a properly registered and inspected tow truck
• Have a valid driver's license with appropriate class/endorsements
• Pass any background checks required by TowFi

4. Independent Contractor Status

4.1 Not an Employee

You acknowledge and agree that you are an INDEPENDENT CONTRACTOR, NOT an employee of TowFi, Belmont Labs Inc., or any affiliated entity. Nothing in this Agreement creates an employment, partnership, joint venture, or agency relationship.

4.2 Your Responsibilities as Contractor

• You control the manner and means of performing towing services
• You set your own schedule and choose which jobs to accept or decline
• You may work for competing platforms simultaneously
• You are responsible for all taxes including self-employment taxes
• You provide your own equipment, vehicle, and supplies
• You are responsible for your own business expenses

4.3 No Benefits Provided

TowFi does not provide employment benefits including but not limited to health insurance, retirement plans, paid time off, workers' compensation, or unemployment insurance.

5. Service Standards

5.1 Professional Conduct

As a TowFi Provider, you agree to:

• Respond to service requests promptly
• Arrive at customer locations within estimated timeframes
• Treat all customers with respect and professionalism
• Handle all vehicles with care to prevent damage
• Maintain clean and well-maintained tow trucks
• Wear appropriate professional attire
• Follow all traffic laws and safety regulations

5.2 Prohibited Conduct

You agree NOT to:

• Discriminate against customers for any reason
• Accept cash payments for jobs initiated through TowFi
• Share customer personal information with third parties
• Operate under the influence of alcohol or drugs
• Engage in harassment or threatening behavior
• Misrepresent your services, pricing, or credentials

6. Pricing and Payments

6.1 Setting Your Rates

You maintain control over your service pricing. Rates you set are displayed to customers through the TowFi platform. You agree to honor the rates displayed at the time a customer books service.

6.2 Payment Processing

All customer payments are processed through our payment partner, Stripe. Customers pay through the TowFi app, and funds are transferred to your linked bank account after service completion.

6.3 Platform Service Fee

TowFi charges a platform service fee of 10% on each completed transaction. This fee covers:

• Payment processing costs
• Platform development and maintenance
• Customer acquisition and marketing
• 24/7 customer and provider support
• GPS tracking and dispatch technology

6.4 Payout Schedule

• Payouts are deposited to your linked bank account
• Standard payouts process within 2-3 business days
• You can view earnings and payout history in the app
• Minimum payout thresholds may apply

6.5 Tax Reporting

TowFi will issue a 1099-K or 1099-NEC form if your annual earnings meet IRS reporting thresholds. You are solely responsible for reporting all income and paying applicable federal, state, and local taxes.

7. Stripe Connect

7.1 Account Requirements

To receive payments, you must complete Stripe Connect verification:

• Legal name and date of birth
• Social Security Number (SSN) or Employer Identification Number (EIN)
• Business address
• Valid U.S. bank account for direct deposits
• Government-issued ID for identity verification

7.2 Stripe's Terms

By using Stripe Connect, you agree to Stripe's Connected Account Agreement and Stripe Services Agreement. Visit stripe.com/legal for complete terms.

7.3 Account Security

• Keep your login credentials confidential
• Enable biometric authentication for added security
• Report unauthorized access immediately
• TowFi will never ask for your password

8. Insurance and Liability

8.1 Required Insurance

You must maintain at minimum:

• Commercial auto liability insurance (state minimum or $1,000,000 recommended)
• On-hook/cargo insurance covering vehicles in your possession
• General liability insurance
• Workers' compensation insurance (if you have employees)

8.2 Proof of Insurance

You may be required to upload proof of insurance to your TowFi Provider account. Failure to maintain valid insurance will result in immediate account suspension.

8.3 Your Liability

You are solely responsible for:

• Any damage to customer vehicles during towing
• Personal injury claims arising from your services
• Property damage caused during service
• Claims from your employees or subcontractors

8.4 Indemnification

You agree to indemnify, defend, and hold harmless TowFi, Belmont Labs Inc., and their officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your services, your breach of these terms, or your violation of any law.

9. GPS Tracking and Customer Location

9.1 Your Location

When you go online and accept jobs, your location is shared with customers so they can track your arrival. Location sharing is required while completing jobs through TowFi.

9.2 Customer Location Access

When a customer requests service through TowFi, they authorize you to access their GPS location for vehicle pickup. You agree to:

• Use customer location data solely for completing the towing service
• Not store, share, or use location data for any other purpose
• Not contact customers outside of active service requests
• Respect customer privacy at all times

10. Ratings and Reviews

Customers may rate and review your services after each job. You acknowledge that:

• Ratings affect your visibility and standing on the platform
• TowFi may display your average rating to potential customers
• Consistently low ratings may result in account review or removal
• You may not offer incentives for positive reviews
• You may not retaliate against customers for negative reviews

11. Cancellations and No-Shows

11.1 Cancelling Accepted Jobs

If you must cancel after accepting a job, do so as soon as possible through the app. Excessive cancellations may result in:

• Reduced visibility in search results
• Temporary account suspension
• Permanent account removal

11.2 No-Shows

Failing to arrive at an accepted job without cancelling is a serious violation and may result in immediate account suspension.

12. Biometric Authentication

TowFi Provider offers optional Face ID and Touch ID for enhanced security:

• Biometric data is stored securely on your device only
• TowFi does not access, collect, or store your biometric data
• Apple controls all biometric authentication
• You can enable or disable biometrics at any time in Settings

13. Account Suspension and Termination

13.1 Termination by You

You may deactivate your account at any time through the app or by contacting support. Pending payouts will be processed according to the standard schedule.

13.2 Termination by TowFi

TowFi may suspend or terminate your account for:

• Violation of these Terms and Conditions
• Fraudulent or illegal activity
• Consistently poor customer ratings
• Failure to maintain required licenses or insurance
• Customer complaints regarding safety or professionalism
• Extended inactivity (6+ months)

14. Modifications to Terms

TowFi reserves the right to modify these Terms at any time. We will notify you of material changes via email or in-app notification. Your continued use of the app after changes constitutes acceptance of the modified Terms.

15. Dispute Resolution

15.1 Customer Disputes

If a customer disputes a charge or service quality, TowFi may temporarily hold payment pending investigation. You agree to cooperate fully with any investigation.

15.2 Arbitration

Any disputes between you and TowFi arising from these Terms shall be resolved through binding arbitration in accordance with Texas law. You waive the right to participate in class action lawsuits against TowFi or Belmont Labs Inc.

16. Limitation of Liability

To the maximum extent permitted by law, TowFi and Belmont Labs Inc. shall not be liable for:

• Lost profits or business opportunities
• Indirect, incidental, or consequential damages
• Actions of customers or third parties
• Technical issues, app downtime, or service interruptions
• Disputes between you and customers

Our total liability shall not exceed the platform fees you paid to TowFi in the 12 months preceding any claim.

17. Confidentiality

You agree to keep confidential:

• Customer personal information obtained through the app
• TowFi business practices and proprietary information
• Platform algorithms or matching systems
• Any non-public information about TowFi operations

18. Contact Information

Mailing Address:
Belmont Labs Inc.
27308 NE 46th St
Camas, WA 98607

19. Acknowledgment

By registering as a TowFi Provider, you acknowledge that you have read, understood, and agree to these Terms and Conditions. You confirm that:

• You are at least 18 years of age
• You are the owner or authorized representative of a towing company
• You hold all required licenses and insurance
• You understand you are an independent contractor, not an employee