Privacy Policy

How YSKAIPE collects, uses, and protects your information.

1. Overview

This Privacy Policy describes how Peaking Waters LLC, a North Carolina limited liability company doing business as YSKAIPE ("YSKAIPE," "we") collects, uses, and shares information when you use our website, mobile experience, and related services (the "Platform"). It applies to homeowners, contractors, and visitors.

By using the Platform, you agree to this Policy. If you do not agree, do not use the Platform.

2. Information we collect

2.1 Information you give us

• Account information: name, email address, phone number, ZIP code, and (for contractors) business name, trade, license number, and insurance information.
• Project information (homeowners): job description, property address or ZIP, photos, preferred timeline, and budget signals.
• Communications: messages you send to us or to other users through the Platform, and support requests.
• Payment information (contractors): subscription payment details are collected and processed by Stripe; we receive limited information (last four digits, card brand, billing ZIP) sufficient to identify the payment method.
• Reviews and ratings: content you submit about a contractor or a job.

2.2 Information we collect automatically

• Device and usage data: IP address, browser type, operating system, referring URL, pages visited, time stamps, and click-through behavior;
• Approximate location: derived from IP address or ZIP code you provide, used to match you with nearby contractors;
• Log data: server and application logs for security and debugging; and
• Cookies and similar technologies (see Section 11).

2.3 Information from third parties

• Foursquare / Places API: geocoding of addresses and nearby-business lookups;
• Stripe: subscription status, failed-payment notifications; and
• Publicly available sources: contractor licensing status from state licensing boards.

3. How we use information

We use information to:

• Operate the Platform and match homeowners with contractors;
• Calculate, improve, and display the Fair Rate Index (using anonymized and aggregated data);
• Process contractor subscriptions and prevent fraud;
• Send transactional messages (magic-link logins, lead assignments, receipts) and, with consent where required, marketing messages;
• Provide customer support and resolve disputes;
• Monitor and secure the Platform, investigate violations, and enforce our Terms;
• Comply with legal obligations and respond to lawful requests; and
• Conduct analytics to improve the Platform.

4. How we share information

4.1 With other users

To make the marketplace work, we share project information with matched contractors (homeowner name, contact info, project description, property ZIP or address as you choose) and share contractor information with homeowners (business name, trade, profile, pricing, reviews).

4.2 With service providers

We share information with vendors who process data on our behalf under confidentiality and data-protection obligations. These include Stripe (payments), Supabase (hosted database and auth), Vercel (hosting), Resend (transactional email), Foursquare (location/geocoding), and analytics providers as disclosed in our cookie notice.

4.3 For legal reasons

We may disclose information if we reasonably believe disclosure is necessary to comply with a law, regulation, legal process, or governmental request; to protect rights, property, or safety; or to investigate fraud or security incidents.

4.4 In business transactions

If YSKAIPE is involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction, subject to standard confidentiality protections and prior notice where required by law.

4.5 We do not sell personal information

We do not sell personal information and do not "share" it for cross-context behavioral advertising as those terms are defined under applicable state law.

5. Service providers and sub-processors

YSKAIPE works with the following categories of service providers. A current sub-processor list is available on request.

• Hosting and infrastructure: Vercel, Inc.
• Database and authentication: Supabase, Inc.
• Payments: Stripe, Inc.
• Transactional email: Resend, Inc.
• Location and geocoding: Foursquare Labs, Inc. (Places API)

6. Retention

We retain personal information for as long as needed to provide the Platform, comply with legal obligations, resolve disputes, and enforce our agreements. Typical retention periods:

• Account data: for the life of the account plus up to 3 years after closure;
• Job-request data: up to 3 years from submission;
• Payment records: 7 years for tax and audit purposes;
• Support tickets and logs: up to 2 years; and
• Anonymized/aggregated FRI training data: indefinitely.

7. Security

We maintain reasonable administrative, technical, and physical safeguards to protect personal information, including encrypted transport (TLS), encrypted-at-rest database storage, role-based access controls, and row-level-security policies in our database. No system is perfectly secure; we cannot guarantee absolute security and you use the Platform at your own risk.

If we experience a security incident that affects your personal information and notification is required by law, we will notify you as required.

8. Your rights (all users)

You may:

• Access the personal information we hold about you;
• Correct information that is inaccurate;
• Request deletion of your account and personal information, subject to retention obligations and legitimate business needs;
• Opt out of marketing emails at any time using the unsubscribe link; and
• Object to processing based on legitimate interests.

To exercise these rights, email privacy@yskaipe.com from the email address associated with your account. We will respond within 45 days.

9. State-specific rights

9.1 California (CCPA/CPRA)

California residents may, subject to verification, (a) request to know the categories and specific pieces of personal information we have collected about them, (b) request deletion of personal information, (c) request correction, and (d) opt out of "sale" or "sharing" (we do not sell or share as defined, but you may still submit a request). We do not discriminate against users who exercise their rights. Authorized agents may submit requests on your behalf; we will verify agent authority as required by law.

9.2 Virginia, Colorado, Connecticut, Utah, Texas, and similar states

Residents of states with comprehensive consumer-privacy laws (including Virginia's VCDPA, Colorado's CPA, Connecticut's CTDPA, Utah's UCPA, and the Texas Data Privacy and Security Act) have substantially similar rights: access, correction, deletion, data portability, and opt-out of targeted advertising. To exercise these rights, email privacy@yskaipe.com.

9.3 Appeals

If we decline a request, you may appeal by replying to the decision email. Residents of states that permit it may also contact their state attorney general.

10. Children

The Platform is not directed to children under 18. We do not knowingly collect personal information from children under 18. If we learn we have collected such information, we will delete it.

11. Cookies and tracking

We use cookies and similar technologies to keep you signed in, remember preferences, and measure Platform performance. You can control cookies through your browser settings. We respect Global Privacy Control (GPC) signals where applicable law requires. We do not use third-party advertising cookies at this time.

12. Changes

We may update this Policy. If changes are material, we will notify you by email and by posting a notice on the Platform at least fifteen (15) days before the effective date. Continued use after the effective date is acceptance.

13. Contact

Questions or privacy requests:

Peaking Waters LLC (dba YSKAIPE) — Privacy
9938 Caldwell Depot Road, Cornelius, NC 28031
Email: privacy@yskaipe.com