Payment Methods, Escrow Settlement, and Enterprise Payout Policies

1. General Settlement and Escrow Security Policy #

All transactions processed through Grunber follow strict escrow protocols to protect both clients and haulers:

• Service Order Confirmation: For all client categories (residential B2C and commercial B2B), a service order is officially confirmed and dispatched to the hauler only after guaranteed payment or an authorized fund hold for the winning bid amount has been secured.
• Escrow Protection: Payment funds remain securely held in escrow by the platform until the client formally marks the service order as completed within the system.
• Hauler Payout Disbursement: Once completion confirmation is submitted by the client, Grunber releases the hauler payout within 24 hours.

2. Customer Segmentation and Payment Modalities #

Payment terms and structures depend on the customer classification category.

A. Residential Clients (B2C) and Small to Mid-Sized Businesses (SMB) #

• Single Modality: Immediate Pay-per-Demand.
• Workflow: Full payment for the service order is processed immediately upon approval of the winning bid.

B. Enterprise Accounts (Large Corporate Clients) #

Large corporate partners receive dedicated operational tools, including an exclusive management dashboard for real-time dispatch monitoring and an assigned Grunber Account Manager who acts as an active liaison between the platform, the corporate account, and partner haulers.

Corporate accounts may select between three distinct settlement structures:

Option 1: Payment Upon Bid Approval (Pay-as-You-Go) #

• Full settlement per service request at the time of bid confirmation.
• Financial Incentive: 20% discount applied to the total gross amount due.
• Calculation Formula: Amount Paid = Regular Amount * 0.80

Option 2: Prepaid Account Credits #

• The corporation purchases an upfront balance package calculated from its estimated monthly demand average. The account balance is debited automatically as each service order is approved.
• Financial Incentive: 20% discount applied to the credit balance purchase.
• Calculation Formula: Amount Paid for Credit Package = Total Credit Value * 0.80

Option 3: Post-Paid Invoicing (Consolidated Net 30, Net 60, and Net 90 Terms) #

• All completed orders within the billing cycle are consolidated into a single corporate invoice. This modality does not receive the 20% upfront discount.
• Eligibility Criteria:
  1. A minimum of 12 consecutive months of verified operational history with Grunber.
  2. A minimum of 3 authorized corporate representatives registered in the platform account.
  3. Execution of a formal Loyalty Agreement, which establishes the authorized credit limit based on average demand volume over the preceding 12 months. Credit ceilings are reviewed quarterly.

3. Hauler Terms for Corporate Post-Paid Orders #

To ensure transparency for partner haulers servicing post-paid corporate accounts:

• Prior Written Consent: Only haulers who have explicitly reviewed and accepted extended disbursement terms (Net 30, Net 60, or Net 90 days) are assigned to post-paid corporate orders.
• No-Financing Policy: Grunber is strictly a technology intermediation platform and does not finance client balances or advance unpaid third-party invoices. Hauler disbursements follow the actual settlement schedule of the corporate client.
• Payment Recovery Support: If an enterprise client delays or defaults on an invoice schedule, Grunber supports partner haulers with automated collection notices, formal notices of default, and technological support for amicable debt recovery.

4. Optional Securitization Protection for Haulers #

To eliminate default risk when servicing enterprise post-paid accounts, haulers have access to payment insurance:

• Direct App Activation: Haulers eligible to service corporate clients can opt into the Operational Securitization coverage directly inside the Grunber app.
• Policy Coverage: If an enterprise client defaults on verified invoices, the partner insurance provider indemnifies the claim and guarantees 100% of the hauler payout.

5. Summary of Financial Rules and Operational Formulas #

• Standard Hauler Payout Release: Client order completion confirmation + Up to 24 hours
• Enterprise Upfront / Prepaid Discount: 20% discount on gross order value
• Corporate Post-Paid Credit Ceiling: Average billing volume over the prior 12 months (subject to quarterly adjustments)
• Additional Hauler Default Protection: Optional Securitization policy purchased directly within the platform