Terms of Service

Last updated October 14, 2026

These terms govern your use of SubProof, a service operated by MyREIO, LLC ("we," "us"). By creating an account or using SubProof, you agree to these terms. If you use SubProof for a company, you agree on behalf of that company.

What SubProof does

SubProof helps contractors request, collect, read and track certificates of insurance and related documents from subcontractors, check them against requirements the contractor sets, check public license records, and ask insurance agents to confirm certificate details.

What SubProof does not do

SubProof is a tracking and communication tool. It is not insurance, insurance advice, legal advice, or a guarantee of coverage.

• A certificate of insurance is informational only and does not change or extend the coverage of any policy. Coverage is governed by the policy itself.
• Statuses such as "Verified" reflect information provided by subcontractors, insurance agents and public records at a point in time. Policies can be changed or cancelled after a check.
• Automated reading of documents can make mistakes. You are responsible for reviewing the information and for your decisions about hiring, paying or allowing any subcontractor on a job.
• You are responsible for setting insurance requirements that fit your contracts, and for consulting your own insurance professional or attorney.

Accounts

You must provide accurate information and keep your sign-in secure. You are responsible for activity in your account, including by team members you invite. Tell us right away at support@subproof.co if you believe your account has been accessed without permission.

Plans, billing and cancellation

• SubProof offers a free plan and paid plans priced by the number of active subcontractors, as shown on our pricing page.
• Paid plans are billed in advance, monthly or annually, through our payment processor, and renew automatically until cancelled.
• You can cancel at any time; your plan stays active until the end of the current billing period. Fees already paid are not refunded, except where the law requires.
• We may change prices with at least 30 days' notice before your next renewal.
• Subcontractors and insurance agents are never charged to submit or confirm documents.

Your content

You keep ownership of the information and documents you and your subcontractors upload ("your content"). You give us permission to host, process, read and share your content only as needed to provide SubProof, as described in our Privacy Policy. You confirm you have the right to upload your content and to have SubProof contact the subcontractors and agents you add.

Messages you send through SubProof

SubProof sends invitations, certificate requests, reminders and verification requests on your behalf. You agree to add only subcontractors you work with or plan to work with. SubProof texts and calls a subcontractor only after the subcontractor opts in on their own upload page; contractors cannot opt a subcontractor in.

SubProof reminder texts and calls

• Program: SubProof Insurance Reminders. Automated texts and calls reminding subcontractors to upload a current certificate of insurance before it expires.
• Opt-in: by checking "Text and call me reminders" on the SubProof upload page and entering a mobile number. Consent is optional and not a condition of any purchase or of uploading.
• Frequency: up to 4 texts and 1 automated call per policy renewal. Message frequency varies.
• Cost: message and data rates may apply.
• Opt-out: reply STOP to any text to stop texts. Press 9 during a call to stop calls and texts. You can also turn reminders off on your upload page.
• Help: reply HELP or email support@subproof.co.
• Carriers are not liable for delayed or undelivered messages.
• See our Privacy Policy for how we handle your number. We do not share mobile numbers or consent for marketing.

Acceptable use

You agree not to upload documents you know are false or altered, impersonate anyone, use SubProof to harass or spam people, attempt to access other accounts or our systems without permission, or use SubProof in violation of law.

Availability and changes

We work to keep SubProof available but do not promise uninterrupted service. We may update or change features. If we discontinue SubProof, we will give account holders reasonable notice and a way to export their records.

Termination

You can close your account at any time. We may suspend or close accounts that violate these terms or put others at risk. After closure, we handle your content as described in our Privacy Policy.

Disclaimers

SubProof is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement, and any warranty that information from subcontractors, agents, insurers or public records is accurate or complete.

Limitation of liability

To the fullest extent the law allows, we will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, uninsured losses or claims arising from a subcontractor's lack of coverage. Our total liability for any claim relating to SubProof is limited to the amount you paid us in the 12 months before the claim.

Indemnity

You agree to defend and indemnify MyREIO, LLC against claims arising from your content, your use of SubProof, or your violation of these terms or the law.

Governing law and disputes

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Florida, and both parties consent to their jurisdiction.

Changes to these terms

We may update these terms. If we make material changes, we'll post the new date above and notify account holders by email at least 15 days before they take effect. Continuing to use SubProof after that means you accept the updated terms.

Contact

MyREIO, LLC, operator of SubProof
Email: support@subproof.co