HULLIO — TERMS OF SERVICE

2.1 Marketplace Role

Hullio is a peer-to-peer boat rental marketplace enabling boat owners ("Owners") to list vessels and renters ("Renters") to book them. Hullio may also list or display independent marine service professionals ("Marine Service Partners").

Hullio operates the digital infrastructure only. Hullio is not a rental party, boat operator, service provider, or insurer.

2.2 Platform Fee Model

Hullio does not charge commission on rental prices. Hullio charges flat platform fees to both Renters and Owners per booking, as disclosed in Section 10. Renters pay the rental price plus the Renter platform fee ($5.99). Owners receive the rental price minus the Owner platform fee ($5.99) and Stripe payment processing fees (typically 2.9% + $0.30).

2.3 No Ownership or Control of Boats

Hullio does not:

• Own, manage, maintain, inspect, or certify any boats
• Operate, captain, crew, or navigate any boat
• Verify safety, seaworthiness, or regulatory compliance
• Guarantee boat quality, performance, or condition
• Assume liability for boat-related incidents or damage

All boats are owned, operated, and maintained by independent third parties (Owners). Owners are solely responsible for compliance with local, state, and federal maritime laws, safety regulations, and insurance requirements.

2.4 No Employment Relationship

Owners and Marine Service Partners are independent contractors, not employees, agents, or representatives of Hullio. Hullio does not control their methods, schedule, pricing, or operations.

3.1 Eligibility

Users must:

• Be at least 18 years old
• Have legal capacity to enter binding agreements
• Comply with all applicable local, state, and federal boating and navigation laws
• Not have been banned or suspended from Hullio or similar platforms
• Provide accurate information and keep it current

3.2 Account Registration

Users must create an account to access key features. All information provided must be accurate, complete, and kept current. You are responsible for updating your information if circumstances change.

Hullio reserves the right to request updated information at any time.

3.3 Account Security

You are responsible for:

• Keeping your login credentials secure and confidential
• All actions performed under your account
• Notifying Hullio immediately of any unauthorized access or suspicious activity
• Not sharing your account with others

Hullio is not responsible for unauthorized access due to your failure to secure credentials.

4.1 Account Verification

All users must verify their email address to access the Platform.

4.2 Renter Requirements

To book a boat, Renters must:

• Create an account with a verified email address
• Accept the Terms of Service and Privacy Policy during registration
• Add a valid payment method (processed via Stripe)

Identity Verification at Handover: Renters must present valid government-issued photo identification (e.g., driver's license, passport, state ID) at boat handover. The name on the ID must match the name on the booking. Owners reserve the right to refuse handover if the Renter cannot provide matching ID or if the ID appears invalid, altered, or does not match the booking.

By completing a booking, Renters agree to the cancellation policy displayed at checkout and to the handover ID requirement.

4.3 Owner Requirements

To list a boat, Owners must:

• Create an account with a verified email address
• Accept the Terms of Service and Privacy Policy during registration
• Provide accurate listing information and photos

To accept bookings and receive payouts, Owners must also:

• Complete Stripe Connect onboarding (includes identity verification and payout setup)

Insurance Responsibility: Owners are solely responsible for maintaining adequate insurance coverage for their vessel. Standard personal boat insurance policies typically exclude commercial or rental use. Hullio does not collect, verify, store, or transmit insurance documents (COIs). Any owner declaration of insurance is a representation made solely by the owner. Hullio is not liable for gaps in coverage.

4.4 Right to Request Additional Verification

Hullio reserves the right to request additional information or documentation from any user at any time to ensure platform safety, regulatory compliance, investigate suspicious activity, or respond to an incident, legal claim, or dispute.

This may include, but is not limited to:

• Government-issued ID verification
• Phone number verification
• Proof of address
• Boating licenses or certifications
• Insurance documents
• Background checks (particularly for Marine Service Partners)

Users who fail to comply with verification requests may have their access suspended or accounts terminated.

4.5 Verification Does Not Guarantee Access

Completing verification does not guarantee Platform access. Hullio reserves the right to deny, suspend, or remove users at any time if risk criteria are not met or if these Terms are violated.

4.6 Vessel Eligibility

Hullio is a peer-to-peer marketplace for the rental of privately owned vessels.

All vessels listed on Hullio must be legally registered, insured, and compliant with applicable maritime laws and regulations for their intended use and operating location.

Listings may include vessels offered with a captain and/or crew. Owners are solely responsible for ensuring that any crewed operation complies with all applicable licensing, manning, safety, and regulatory requirements. Hullio does not provide, manage, verify, or supervise crew.

Hullio does not operate vessels, manage charters, or act as a commercial charter operator.

Hullio reserves the right, in its sole discretion, to reject, suspend, or remove any listing.

5.1 Boost Options

5.2 Payment & Billing

All Boost payments are processed via Stripe. When you purchase a Boost, your payment is pre-authorized but not charged until your listing is approved.

• If your listing is approved, payment is captured and your Boost period begins
• If your listing is denied, the payment authorization is cancelled and you are not charged

Boost payments are non-refundable once captured, except as provided below. No auto-renewals—you must manually renew each period.

5.3 Cancellation & Refunds

• If your listing is denied, your Boost payment is automatically cancelled (no charge)
• Once your listing is approved and Boost is active, payments are non-refundable
• One Boost per listing at a time
• Technical failures may result in refund or service credit at Hullio's discretion
• Violations of Terms may result in Boost removal without refund

To request cancellation of a pending Boost before approval, contact support at hello@hullio.com.

6.1 Owner Verification via Stripe

To accept bookings and receive payouts, Owners must complete Stripe Connect onboarding. This process is handled entirely by Stripe and may include:

• Identity verification
• Business or personal information confirmation
• Bank account verification for payouts
• Ongoing compliance checks as required by Stripe

Hullio does not control Stripe's verification requirements. For questions about Stripe verification, contact Stripe directly.

6.2 Accuracy of Information

You certify that all information you provide is:

• Authentic and unaltered
• Currently valid
• Yours (not belonging to another person)
• Accurate and complete

Submission of fraudulent information will result in immediate account suspension and potential legal action.

6.3 Re-verification

Hullio and Stripe reserve the right to request updated information or re-verification at any time. Failure to comply may result in account suspension.

7.1 Third-Party Insurance (If Available)

Hullio may, in the future and at its discretion, facilitate access to insurance products offered by licensed third-party insurers for specific bookings. Any such insurance is offered, priced, underwritten, administered, and governed solely by the insurer, and is subject to eligibility criteria and policy terms determined by the insurer. Hullio does not guarantee insurance availability for any booking.

7.2 Hullio Does Not Provide Insurance

Hullio is not an insurer, insurance broker, agent, or underwriter. Hullio does not provide, sell, distribute, or underwrite insurance policies; administer claims; determine coverage; or advise on insurance suitability or adequacy. If any insurance product is offered and purchased through the Platform, any disputes, claims, or questions about that insurance must be directed to the insurer or the applicable policy administrator.

7.3 No Warranty on Insurance

Hullio makes no warranty regarding the suitability, adequacy, cost, or availability of any insurance policy. Users are solely responsible for reviewing policy terms and ensuring coverage meets their needs and legal obligations.

8.1 Owner Insurance Responsibility & Representation

All boats listed on Hullio must be covered by valid insurance maintained by the Owner that permits peer-to-peer rental or equivalent commercial/charter use. Owners are solely responsible for maintaining such insurance and for ensuring coverage is valid for the specific activities offered.

Standard personal or recreational boat insurance policies typically exclude rental, commercial, or charter use.

Hullio does not collect, verify, store, or transmit physical insurance documents or Certificates of Insurance (COI). Any declaration made by an Owner on the Platform (e.g., checking a box to represent that they hold a COI) is a representation made solely by the Owner. Hullio makes no representation about the existence, scope, validity, or adequacy of any Owner insurance coverage. Hullio is not liable for gaps in coverage or Owner non-compliance with insurance requirements.

While Hullio does not routinely collect or verify insurance documents, Owners agree to provide proof of insurance, licensing, or other compliance documents immediately upon request by Hullio in the event of an incident, booking dispute, legal claim, or investigation.

8.2 Compliance & Documentation Requirements

Owners agree to provide any requested documentation or information necessary for platform operations, regulatory compliance, risk management, incident investigation, or dispute resolution within 14 days of Hullio's request.

Requested documentation may include, but is not limited to:

• Proof of insurance (Certificate of Insurance or equivalent)
• Government-issued identification or business licenses
• Proof of address
• Boating certifications or maritime credentials
• Compliance documentation related to boat registration or operation
• Evidence related to booking disputes or damage claims

Failure to provide requested documentation within 14 days may result in:

• Suspension of the listing from search and booking visibility
• Blocking of future bookings
• Withholding of pending payouts until documentation is provided
• Account suspension or termination

Hullio may extend the 14-day deadline in its discretion if circumstances warrant.

9.1 Directory Service

Hullio provides a directory of independent marine service professionals (boat mechanics, marinas, cleaners, captains, etc.) for informational purposes only. Marine Service Partners create their own profiles and self-report their services, qualifications, and credentials.

Hullio does not verify, endorse, or guarantee the qualifications, licensing, insurance, or quality of any Marine Service Partner listed in the directory.

9.2 Independent Contractor Status

Marine Service Partners:

• Are not Hullio employees, agents, or representatives
• Set their own pricing and service availability
• Control their own methods and schedule
• Are solely responsible for their own licensing, insurance, and regulatory compliance

9.3 User Responsibility

Users are solely responsible for vetting Marine Service Partners before engaging their services. This includes verifying:

• Appropriate licenses and certifications
• Insurance coverage
• References and qualifications
• Compliance with local regulations

9.4 Hullio Not Liable

Hullio is not a party to any agreement, engagement, or transaction between users and Marine Service Partners, and does not provide warranties or guarantees regarding any services performed.

Hullio is not responsible for:

• Quality, timeliness, or adequacy of Marine Service Partner services
• Damage caused by Marine Service Partners
• Accuracy of information in Marine Service Partner profiles
• Licensing, insurance, or regulatory violations
• Disputes between users and Marine Service Partners

Disputes should be resolved directly between the parties. Hullio provides the directory platform only and does not mediate or adjudicate disputes.

9.5 Ratings & Reviews

Users may rate and review Marine Service Partners. Reviews must be truthful and based on actual experience. False, defamatory, or misleading reviews may result in removal and account suspension.

10.1 Booking Fees

Hullio charges flat platform fees per booking:

• Renters pay: Rental price + $5.99 platform fee
• Owners receive: Rental price − $5.99 platform fee − Stripe processing fees

Stripe processing fees (typically 2.9% + $0.30) are deducted from the Owner's payout, not charged to Renters.

Additional costs that may apply:

• If any third-party insurance product was offered and purchased for the booking, any premium is governed solely by the insurer’s policy.
• Applicable taxes

10.2 Booking Requests & Payment Authorization

When a Renter submits a booking request, their payment method is pre-authorized but not charged. The Owner has 24 hours to approve or decline the request.

• If approved: The payment is captured and the booking is confirmed
• If declined: The pre-authorization is released and the Renter is not charged
• If no response within 24 hours: The request expires, the authorization is released, and the Renter is not charged

Owners are not obligated to approve any booking request. Renters should not assume a booking is confirmed until they receive explicit confirmation that the Owner has approved.

10.3 Payout Timing & Reviews

Hullio processes Owner payouts after a trip is completed, typically within 24–48 hours, subject to these Terms.

Hullio may delay or withhold payouts where a dispute, refund, damage claim, early termination review, or compliance issue is pending.

Early-End Requests

Either party may submit an early-end request through the Platform. Submission of a request does not automatically end the trip, modify booking dates, release payout, or generate a refund.

When an early-end request is submitted, Hullio may place the booking into review status and may temporarily hold associated payouts pending review.

Hullio may review the circumstances based on available records, platform communications, submitted documentation, and applicable policies under these Terms. Following review, Hullio may determine whether an adjustment to payments processed through the Platform is appropriate.

Any refund, payout adjustment, or booking modification processed through the Platform is handled as an administrative platform function and is subject to these Terms and applicable payment processor rules.

Agreement between Owner and Renter outside the Platform does not automatically modify payment processing records or create automatic entitlement to a refund or payout adjustment.

Hullio does not guarantee any specific outcome in connection with early-end requests.

10.4 Payment Processing

All payments are processed by Stripe or other third-party processors. Payment terms are governed by Stripe's agreements with you. Your payment method is authorized when you submit a booking request, and charged when the Owner approves the booking. If the Owner declines or the request expires, no charge is made.

10.5 Booking Cancellations & Refunds

Booking fees ($5.99) are non-refundable unless required by law or as a result of Hullio error. Refunds of rental amounts are governed by the cancellation policy selected by the Owner (see Section 11).

10.6 Security Deposits

Security deposits are handled via Stripe pre-authorization only. Hullio does not hold, control, or take custody of deposit funds. A security deposit is an authorization hold, not a charge.

If no damage claim is submitted within the dispute window, the pre-authorization expires automatically.

If a damage claim is submitted, Hullio may review documentation and, as a platform administrative function, may instruct Stripe to capture all or a portion of the authorized amount, consistent with these Terms and Stripe’s rules.

Stripe and the payment networks ultimately govern payment reversals, disputes, and final settlement. Hullio does not guarantee that any authorized or captured amount will be successfully collected or retained, including due to reversals, disputes, insufficient funds, or chargebacks.

10.7 Taxes

Applicable taxes may be required on bookings made through the Platform, including but not limited to sales, use, rental, tourist development, or similar taxes imposed by state, county, or local authorities.

Where required by law or where Hullio elects to do so, Hullio will calculate and collect applicable taxes at checkout and remit such taxes to the appropriate taxing authorities. Taxes collected will be displayed as a separate line item at checkout.

Whether taxes are collected by Hullio for a particular booking depends on the booking location, applicable law, and Hullio’s tax configuration at the time of checkout.

In jurisdictions where Hullio does not collect taxes, Boat Owners remain solely responsible for determining, collecting, reporting, and remitting any applicable taxes arising from rentals made through the Platform. Hullio does not provide tax advice. Users are solely responsible for understanding their tax obligations.

11.1 Owner-Selected Policies

Owners choose from standardized cancellation policies:

11.2 Weather & Safety

Boating is weather-dependent. Hullio may provide third-party weather alerts and related information to help Owners and Renters make informed decisions. Cancellation decisions based on weather are made by the Owner, and any refunds follow the Owner's selected cancellation policy (unless required by law).

• Mechanical failure makes the boat unsafe or unusable
• Local authorities issue warnings or restrictions

Hullio does not guarantee outcomes for cancellations or refunds and does not provide tax, legal, or insurance advice.

11.3 Service Fees & Refunds

When Renter cancels: Hullio platform fees ($5.99) are non-refundable. Payment processing fees may not be refundable depending on Stripe's policies at the time of the transaction. If any third-party insurance product was offered and purchased for the booking, any premium is governed solely by the insurer’s policy. Taxes collected are refunded proportionally to the refunded rental amount, where applicable.

When an Owner cancels, or for mechanical cancellations: Renters will receive a full refund of the rental amount and the Hullio platform fee ($5.99).

Payment processing fees may not be refundable depending on Stripe's policies at the time of the transaction.

12.1 Weather Protection

Hullio may provide third-party weather alerts and store related weather evidence for transparency and recordkeeping. Owners and Renters should coordinate directly regarding rescheduling or cancellation due to weather. Refunds, if any, follow the Owner's selected cancellation policy (unless required by law).

12.2 Mechanical Protection

If a boat becomes inoperable before or during a rental:

• Owner must notify Renters immediately
• Owner must provide full refund of rental amount
• Hullio may suspend the listing pending inspection/repair

12.3 Owner Cancellation Policy

Owner cancellations (cancellations initiated by Owner after booking confirmation) result in:

• Full refund to Renter of the rental amount
• Hullio platform fees ($5.99) are refunded to the Renter
• If any third-party insurance was purchased for a booking (if offered), refunds (if any) are governed solely by the insurer’s refund policy.
• Owner may be responsible for payment processing fees, which may be non-refundable depending on the payment processor’s policies.
• Renter may leave a review reflecting their experience
• Potential suspension for pattern of cancellations

Hullio reserves the right to suspend or remove Owners who demonstrate a pattern of cancelling confirmed bookings.

13.1 Identity Verification

Identity verification for Owners is handled securely by Stripe Connect. Hullio does not store government-issued IDs or sensitive identity documents. All identity verification data is processed and stored by Stripe in accordance with their privacy and security policies.

13.2 Photos & Location Data

Photos uploaded to Hullio (boat listings, condition reports, damage evidence) may contain GPS metadata. For privacy protection, GPS coordinates are automatically obscured (fuzzed) to prevent disclosure of exact locations.

Hullio does not provide real-time location tracking of users or vessels.

13.3 Data Sharing

Hullio may share limited data with:

• Payment processors (Stripe)
• Insurance partners (if applicable, for underwriting and claims)
• Law enforcement (if legally required)
• Legal counsel (for disputes or violations)

Identity & Fraud:

• Submitting false, forged, or misleading information
• Using false IDs or documents
• Impersonating another person
• Creating multiple accounts to evade restrictions
• Refusing to provide valid government-issued ID at handover
• Presenting altered, forged, or someone else's ID at handover
• Attempting to use another person's booking or identity

Platform Abuse:

• Bypassing verification or security measures
• Hacking or attempting to access systems
• Interfering with Platform functionality
• Using bots or automated tools (except as permitted)

Boat & Safety Violations:

• Operating while under the influence of drugs or alcohol
• Operating without required boating licenses or certifications
• Operating in violation of local maritime laws
• Renting boats known to be unsafe or uninsured
• Misrepresenting boat condition or capabilities
• Operating without adequate insurance coverage

Financial & Disputes:

• Disputing legitimate charges through payment processors (chargebacks without cause)
• Withholding payment or committing fraud
• Price gouging or manipulating pricing

Conduct & Community:

• Harassment, threats, or abusive behavior toward other users
• Discrimination based on protected characteristics
• Posting illegal content or instructions
• Violating others' intellectual property
• Spam or unsolicited commercial activity

Off-Platform Transactions:

• Soliciting or accepting bookings outside the Hullio platform
• Sharing contact information to arrange direct payments
• Encouraging users to cancel and rebook off-platform

Operational Violations:

• Exceeding the listed maximum passenger capacity
• Operating outside permitted geographic areas without owner consent
• Subletting or re-renting the boat to third parties
• Using the boat for commercial purposes when listed as recreational

Environmental:

• Dumping waste, fuel, or pollutants into waterways
• Violating marine environmental regulations

15.1 Identity Verification

Owners: All boat owners are verified through Stripe Connect, which includes identity verification as part of the onboarding process before they can accept bookings and receive payouts.

Renters: Renters must present valid government-issued photo identification at boat handover. The ID must match the name on the booking. Owners may refuse to complete handover if ID is not provided or does not match the booking name.

Hullio may require additional verification from any user at any time and at its discretion to prevent fraud or address platform safety concerns, including but not limited to government-issued ID verification via Stripe Identity or other third-party services. Users must comply with verification requests to continue using the Platform.

Hullio does not store identity documents provided at handover. Platform-based identity verification (if required) is processed and stored by Stripe or other third-party verification providers in accordance with their privacy and security policies.

15.2 Payment Processing; Chargebacks; Merchant of Record

All payments on the Platform are processed by Stripe and/or other third-party payment processors. Hullio does not store full payment card numbers and does not provide payment processing services.

Chargebacks, payment reversals, and disputes submitted through card networks or payment processors are governed by the applicable payment processor and card network rules and the specific payment flow used for the transaction. Hullio may provide information or documentation to support or respond to a dispute, but Hullio does not control chargeback outcomes or payment processor determinations.

Hullio makes no representation regarding merchant-of-record status for any transaction. The allocation of payment responsibilities, dispute handling, and settlement is determined by the applicable payment processor rules and agreements between users and the payment processor.

15.3 Chargeback Responsibility

Users are responsible for chargebacks or payment disputes arising from their conduct, including (i) Renters initiating fraudulent or bad-faith disputes, and (ii) Owners submitting false damage claims or misrepresentations.

The allocation of chargeback liability and the outcome of any dispute are governed by the applicable payment processor and card network rules. Hullio may take enforcement action under these Terms regardless of the outcome of any chargeback or dispute.

15.4 Deposit Captures and Payment Disputes

If a security deposit authorization is captured (converted to a charge), the charge may still be subject to payment disputes, reversals, or chargebacks under applicable payment processor and card network rules. Users agree not to initiate chargebacks as a substitute for good-faith dispute resolution, except where a charge is unauthorized or otherwise permitted under applicable payment processor rules.

16.1 Deposit Authorization Timing

Security deposits are pre-authorized approximately 48 hours before the scheduled trip start time.

• Owners may waive the deposit requirement at their discretion
• If the pre-authorization fails (e.g., insufficient funds), the booking may be cancelled
• The authorization hold amount is set by the Owner in their listing

Renters should ensure their payment method has sufficient available credit for both the rental payment and the security deposit hold.

16.2 Deposit Handling

Security deposits are handled via Stripe pre-authorization only. Hullio does not hold, access, or take custody of security deposit funds. A security deposit is an authorization hold, not a charge.

If no damage claim is submitted within the dispute window (typically 48 hours post-rental), the pre-authorization expires automatically.

If a damage claim is submitted, Hullio may review documentation and, as a platform administrative function, may instruct Stripe to capture all or a portion of the authorized amount, consistent with these Terms and Stripe’s rules.

Payment processing fees may be deducted from any captured damage claim amounts, in accordance with the applicable payment processor’s policies.

Stripe and the payment networks ultimately govern payment reversals, chargebacks, and final settlement. Hullio does not guarantee that any captured amount will be successfully collected or retained in the event of a payment dispute or chargeback.

16.3 Evidence Requirements for Damage Claims

Owners submitting damage claims must provide:

• Clear pre-trip photos/videos of the boat condition (taken with a phone or camera)
• Clear post-trip photos/videos showing damage (taken with a phone or camera)
• Detailed description of damage with timestamps
• Repair quotes or cost estimates (if available)
• Explanation of how damage occurred (if known)

Claims without adequate evidence will not be honored.

16.4 Renter Counter-Evidence

Renters may dispute damage claims by submitting:

• Counter-evidence (photos/videos disputing the damage)
• Evidence that damage existed before rental
• Repair documents showing damage was pre-existing
• Written rebuttal with timestamps and facts

16.5 Damage Claim Process

If damage occurs during a rental, Owners must submit a damage claim within 48 hours after the rental ends. Claims submitted outside this window may be rejected.

Owners must provide adequate supporting documentation, which may include:

• Pre-rental condition report with photos/videos taken with a phone or camera
• Post-rental condition report showing damage (photos or video)
• Written description of the damage and how it was discovered
• Repair quotes or cost estimates (if available)

Upon receiving a damage claim, Hullio notifies the Renter, who may submit counter-evidence within a defined response window (typically 48 hours).

After reviewing the submissions, Hullio may, as a platform administrative function, instruct Stripe to capture all or a portion of the security deposit authorization, up to the documented amount, consistent with these Terms and Stripe’s rules. If Hullio does not instruct capture (or documentation is insufficient), the pre-authorization will expire and no funds will be captured.

Stripe and the payment networks ultimately govern payment reversals, chargebacks, and final settlement. Hullio does not guarantee the outcome of any payment dispute, reversal, or chargeback, even where Hullio has instructed capture based on submitted evidence.

Claims submitted without adequate documentation (especially pre-rental photos) are unlikely to be approved.

16.6 Determination & Liability

Hullio's damage claim determination is made as a platform administrative function. Hullio is not acting as a legal arbitrator, mediator, or adjudicator. Hullio's decision does not constitute a legal ruling on liability or fault.

Hullio does not undertake any affirmative duty to investigate claims beyond reviewing documentation submitted by the parties. Hullio's review is limited to determining whether submitted evidence reasonably supports capturing the security deposit authorization as a platform administrative function, not to establishing fault, liability, or the merits of any claim.

Either party retains the right to pursue additional remedies available under applicable law and payment processor rules, including:

• Pursuing claims through small claims court
• Seeking mediation or legal counsel
• Filing claims through their own insurance provider

By using the Platform, users agree that Hullio's role is to facilitate evidence collection and administer platform payment processes, not to determine legal liability. Hullio shall not be held liable for the outcome of any damage dispute.

16.7 Unresolved Disputes

If Renter and Owner cannot resolve a dispute:

• Renters may pursue small claims court or mediation
• Owners may pursue collection through legal channels
• Hullio does not mediate or arbitrate damage disputes beyond evidence collection

16.8 Fuel Charges & Security Holds

If fuel is excluded, Owners may submit a fuel charge within 48 hours after trip completion. Hullio will attempt to collect the fuel charge from the Security Hold. If the Security Hold is no longer valid, you authorize Hullio to charge your saved payment method off-session. If authentication is required, you agree to complete it.

• Security Holds are authorizations, not charges, and are placed approximately 48 hours before the scheduled trip start time (or immediately for near-term bookings).
• Fuel charges must be submitted within 48 hours after trip end. Late submissions may be rejected.
• Estimated fuel costs shown in listings or checkout are informational only and do not limit the actual fuel charge.
• For unusually high fuel charges, Hullio may require documentation (such as a receipt) before processing.

Hullio attempts collection through authorized payment methods but does not guarantee successful recovery in every case.

17.1 Owner Responsibilities

Owners must ensure:

• All listing information is accurate and current
• Boat photos represent actual condition
• Boat specifications (size, capacity, features) are correct
• Any known issues or limitations are disclosed
• Insurance and registration information is current

Condition Documentation: Owners must complete:

• A pre-rental condition report with photos or video taken with a phone or camera before each handoff
• A post-rental condition report with photos or video taken with a phone or camera upon the boat's return

Misrepresentation of boat condition or capabilities may result in:

• Listing suspension or removal
• Account suspension
• Chargebacks or refunds issued to Renters
• Potential legal liability

17.2 Renter Responsibilities

Renters must:

• Present valid government-issued photo ID matching the booking name at handover
• Review and confirm the Owner's pre-rental condition report at handoff
• Report any discrepancies between listing and actual boat condition before departure (with photos or video)
• Not proceed with rental if boat condition is unsafe or unacceptable
• Complete a post-rental condition report with photos or video before returning the boat

Failure to document pre-existing damage before departure may limit the Renter's ability to dispute damage claims later.

Both parties are expected to document condition at handoff and return. Claims without supporting condition reports are less likely to be approved.

17.3 Hullio's Role

Hullio does not inspect boats or verify accuracy of listings. Hullio may:

• Suspend listings for reported misrepresentation
• Adjust or remove photos if users report inaccuracy
• Remove users for pattern of false listings

18.1 Weather Information

Hullio may display third-party weather information and alerts for convenience only. Such information may be inaccurate, delayed, or incomplete. Hullio does not provide maritime safety determinations, operational guidance, or go/no-go decisions.

Examples of conditions that may affect boating safety include (without limitation): high winds; poor visibility; storm warnings or watches; hazardous sea conditions; and other severe or unsafe conditions.

Owners and Renters are solely responsible for assessing conditions, making operational decisions, and complying with all safety requirements and applicable laws.

18.2 Weather Cancellations

Hullio may monitor weather for upcoming bookings and may take the following actions:

• Weather Alerts: If concerning conditions are forecasted, both parties may receive email notifications recommending they coordinate to reschedule or cancel
• Evidence: Hullio may store weather data and related snapshots for transparency and recordkeeping

Weather cancellations are based on conditions at the departure time and location, not forecasts made days in advance. Weather monitoring typically occurs the evening before and the morning of the rental.

18.3 Force Majeure Events

"Force majeure" includes any event or circumstance beyond the reasonable control of either party that prevents or significantly impairs the ability to perform obligations under these Terms or safely operate a boat, including hurricanes, tropical storms, severe weather warnings, hazardous sea conditions, government evacuation orders, U.S. Coast Guard advisories or waterway restrictions, port authority or marina closures, state or local emergency declarations, pandemics, public health emergency orders, infrastructure failures, or similar events.

Hullio is not liable for delays or cancellations arising from force majeure events. Owners and Renters remain subject to their applicable cancellation policy unless otherwise required by law.

If a force majeure event occurs:

• Owners may cancel affected bookings; Renters shall receive refunds in accordance with the Owner's selected cancellation policy, unless law requires a different outcome.
• Renters may cancel affected bookings; refunds shall be governed by the Owner's selected cancellation policy, unless law requires a different outcome.

Hullio may monitor weather forecasts and alert parties to potential force majeure events, but such alerts are informational only and do not constitute operational guidance.

Hullio reserves the right, in its sole discretion, to override cancellation policies and issue full or partial refunds in declared emergency situations, widespread force majeure events, or circumstances materially affecting user safety.

19.1 In-Platform Messaging

Users should use in-platform messaging for all communication regarding bookings. This creates a record for dispute resolution.

19.2 Renter No-Shows

If a Renter does not arrive for a scheduled rental:

• Owner should document the no-show (photos, timestamps)
• Renter forfeits rental payment (Owner keeps 100% minus Stripe fees)
• If any third-party insurance product was offered and purchased for the booking, any premium is governed solely by the insurer’s policy.
• Platform fees are non-refundable
• Repeat no-shows may result in account suspension

19.3 Owner No-Shows

If an Owner does not make the boat available for a scheduled rental:

• Renter receives full refund (rental + Hullio platform fees)
• If any third-party insurance was purchased for a booking (if offered), refunds (if any) are governed solely by the insurer’s refund policy.
• Owner may be responsible for payment processing fees, which may be non-refundable depending on the payment processor’s policies.
• Renter may leave a review reflecting their experience
• Repeat no-shows may result in account suspension or removal

19.4 Owner Refusal of Handover for ID Mismatch

If an Owner refuses to complete handover because the Renter cannot provide valid government-issued photo ID matching the booking name:

• Renter may forfeit the rental amount subject to the applicable cancellation policy, payment processor rules, and applicable law
• If any third-party insurance product was offered and purchased for the booking, any premium is governed solely by the insurer's policy
• Platform fees may be non-refundable
• Payment processing fees may be non-refundable depending on the payment processor's policies
• Owner may document the refusal with dated notes and in-platform messages. Owners should not photograph, scan, or store copies of government-issued IDs.
• Hullio may review the circumstances and may apply an adjustment on a case-by-case basis if the refusal was made in bad faith or without reasonable cause

Owners must exercise this right in good faith and may not refuse handover based on discriminatory reasons prohibited under applicable law.

19.5 Check-In Communication

Owners and Renters should confirm check-in details via in-platform messaging. Ambiguity about check-in time or location is Owner responsibility to clarify before departure.

21.1 Disclaimer

Hullio is a marketplace platform only. Hullio does not guarantee, and makes no warranty regarding:

• Boat condition, safety, or seaworthiness
• User behavior, competence, or trustworthiness
• Outcome or resolution of disputes
• Insurance coverage, availability, or adequacy
• Accuracy of third-party data or services
• Uninterrupted Platform availability

21.2 Liability Cap

To the maximum extent permitted by law:

Hullio's total liability for any claim is limited to the greater of:

• Platform fees paid by the claimant in the 12 months prior to the claim, OR
• $100 USD

This cap applies regardless of the nature of the claim (contract, tort, negligence, strict liability, etc.).

21.3 Excluded Damages

Hullio is not liable for:

• Indirect, incidental, consequential, or punitive damages
• Lost profits or lost revenue
• Loss of data or loss of business opportunity
• Emotional distress or reputational harm
• Third-party claims or actions

Even if Hullio has been advised of the possibility of such damages.

21.4 Personal Injury & Property Damage

Hullio is not liable for personal injury, property damage, or death resulting from:

• Boat rental or use
• Marine Service Partner services
• Third-party conduct
• Negligence of Owners or Renters
• Maritime incidents or accidents

Renters and Owners assume all risks associated with boating.

23.1 Governing Law

These Terms are governed by the laws of the State of Florida, USA, without regard to conflict-of-law principles or the United Nations Convention on Contracts for the International Sale of Goods.

23.2 Binding Arbitration

Except as provided in Sections 23.3 and 23.4 below, any dispute, claim, or controversy arising from or related to these Terms, your use of the Platform, or any transaction facilitated through the Platform shall be resolved by binding arbitration administered by a mutually agreed-upon neutral arbitrator or, if the parties cannot agree, by an arbitrator appointed by a recognized arbitration provider (such as JAMS or AAA) under its applicable consumer arbitration rules.

The arbitration shall be conducted in Miami-Dade County, Florida.

Each party shall pay its own attorney's fees and costs, unless the arbitrator awards fees and costs to the prevailing party in accordance with applicable law.

The arbitrator's decision is final and binding and may be entered as judgment in any court of competent jurisdiction.

23.3 Exceptions to Arbitration

Notwithstanding Section 23.2, the following are not subject to mandatory arbitration:

(a) Small Claims Court: Either party may bring an individual claim in small claims court in the claimant's county of residence, provided the claim falls within the court's jurisdictional limits.

(b) Injunctive Relief: Either party may seek injunctive relief in court to prevent irreparable harm, intellectual property infringement, or breach of confidentiality.

(c) Collection Proceedings: Hullio may pursue collection of outstanding amounts through court proceedings or other legal means.

23.4 Class Action Waiver

BY USING THE PLATFORM, YOU AGREE THAT ANY ARBITRATION OR CLAIM MUST BE BROUGHT INDIVIDUALLY IN YOUR OWN NAME, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING.

YOU ALSO AGREE NOT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING AGAINST HULLIO.

If any class action waiver provision in these Terms is found to be unenforceable, any class, collective, consolidated, or representative claim shall be stayed pending resolution of individual arbitration claims, and the parties consent to the court's jurisdiction to enforce this provision.

23.5 30-Day Informal Resolution Period

Before initiating arbitration or litigation, either party shall provide written notice of the dispute and a good-faith opportunity to resolve the matter through direct communication within 30 days. This informal resolution period is a prerequisite to initiating formal proceedings.

23.6 Jury Trial Waiver

BY USING THE PLATFORM, YOU WAIVE ANY RIGHT TO TRIAL BY JURY. DISPUTES SHALL BE RESOLVED BY ARBITRATION OR COURT PROCEEDINGS, AS APPLICABLE, WITHOUT A JURY.

23.7 Severability of Arbitration Clause

If any portion of this arbitration agreement is found unenforceable, that portion shall be severed, and the remainder shall remain in effect. If the entire arbitration agreement is found unenforceable, disputes shall be resolved under Section 23.8 below.

23.8 Exclusive Jurisdiction (Fallback)

If arbitration is found unenforceable or unavailable, any dispute must be brought exclusively in state or federal courts located in Miami-Dade County, Florida, and you consent to jurisdiction and venue in those courts.

24.1 Modification Rights

Hullio reserves the right to update these Terms at any time. Material changes will be communicated via:

• In-app notifications
• Email to registered email address
• Platform homepage notice
• Minimum 30 days' advance notice for material changes

24.2 Acceptance of Changes

Continued use of the Platform after notice of changes constitutes acceptance of updated Terms.

If you do not agree with changes, you must stop using the Platform and close your account.