Last updated August 22, 2026

1. Agreement to these Terms

These Terms of Service govern your use of Liberty Care (the “Service”), operated by Liberty Marketplaces LLC, an Arizona limited liability company (“Liberty Care”, “we”, “us”). By creating an account, submitting a provider application, or arranging care through the Service, you agree to these Terms. If you do not agree, do not use the Service.

If you use the Service on behalf of a care recipient — as a family member, agent under a power of attorney, guardian, or conservator — you confirm that you are authorized to accept these Terms and to arrange care on that person’s behalf, and you accept them for yourself and for them.

The purpose of this document is to state plainly how Liberty Care actually operates, so that nothing about how we verify providers, what we charge, how shifts are recorded, or what happens when something goes wrong comes as a surprise later.

2. What Liberty Care is, and what it is not

Liberty Care is a technology platform that connects families with independent care providers — caregivers, nurse practitioners, and licensed residential assisted living homes — and gives those providers tools to run their own care business.

• We are not a home health agency, a staffing agency, or a nurse registry. We do not employ providers, do not assign them to clients, and do not supervise, direct, or control how care is delivered.
• We are not a healthcare provider. Liberty Care delivers no care, gives no medical advice, and makes no clinical judgments.
• We are not a party to any care agreement. The engagement for care is between the client and the provider. We provide the platform on which it is arranged, recorded, and paid for.
• We do not guarantee work to providers or the availability of any provider to clients.

3. Eligibility and your account

You must be at least 18 and able to enter a binding contract. You are responsible for keeping your login secure and for all activity under your account; tell us promptly if you believe it has been accessed by someone else. Keep your information accurate — for providers, an out-of-date address, phone number, or credential expiry directly affects whether you can be matched with work.

One account per person. Liberty Care currently operates in Arizona only; availability elsewhere will be announced through the Service.

4. How we verify providers — and the limits of that

What we check. Before a provider’s profile goes live we require and review documentation appropriate to their role and state. In Arizona this includes government-issued photo identification, a valid Level One Fingerprint Clearance Card issued under A.R.S. § 36-411, and a certificate of liability insurance. Nurse practitioners additionally provide their NPI and state licensure; residential assisted living homes provide their ADHS facility license. Each credential is reviewed by a person at Liberty Care against the issuing authority’s own record.

What that means in practice. Verification is a documentary review performed by a human being. Apart from the NPI registry we run no automated identity or criminal-history queries, and a credential number typed into our forms is not itself proof — it is checked against the official source, and the reviewer’s approval is the verification. Screening may also include a consumer report through a third-party screening provider, with your separate authorization where the law requires it.

What it is not. Verification materially reduces risk. It is not a guarantee of any provider’s honesty, competence, conduct, or continued eligibility, and it is not a prediction of future behavior. A clearance card confirms the State of Arizona issued that card; it does not vouch for the person on any given day. Clients remain responsible for their own judgment when choosing a provider, admitting someone into a home, and overseeing the care of a vulnerable person.

We may re-review, suspend, or remove any provider at any time, including when a credential expires, a document cannot be verified, or we receive a credible report of a problem.

5. Insurance — who carries it, and what it covers

Providers carry their own insurance. Liberty Care does not insure providers, clients, or shifts.

• Caregivers and nurse practitioners must hold their own occupational liability policy and supply a certificate of insurance, which we verify. Required coverage is professional liability.
• Nurse practitioners carry professional liability written for a licensed clinical practice (malpractice). Non-medical caregivers carry professional liability written for non-clinical companion and personal care. Both are professional liability; they are not the same policy, and a caregiver is not required to hold malpractice cover.
• Residential assisted living homes carry the commercial coverage required by their state license.
• Coverage is the provider’s own policy, in the provider’s name, with their insurer. It is not purchased through Liberty Care, not bound per shift, and not extended by us. Any claim is made against that policy under its own terms, limits, and exclusions.

A provider whose insurance lapses may be taken offline until a current certificate is supplied.

6. Independent contractor status

Providers are independent contractors operating their own businesses. Nothing in these Terms creates an employment, agency, partnership, or joint-venture relationship between Liberty Care and any provider. Specifically, and so nobody is surprised at tax time:

• You set your own rates, choose which work to accept or decline, and control how and when you work. We do not set your schedule or require you to accept any engagement.
• We do not withhold taxes. You are responsible for your own federal, state, self-employment, and any other applicable taxes. We provide earnings records and will issue tax forms where required by law.
• You receive no employee benefits — no wages, overtime, paid leave, health coverage, workers’ compensation, or unemployment insurance from Liberty Care.
• You are responsible for your own licensing, insurance, equipment, and business expenses.

7. Fees, and how providers are charged

Liberty Care charges no commission on care. Providers set their own rate and we take no percentage of any shift, visit, or placement — not at booking, not at payout, not ever.

Card processing fees are separate, and they are Stripe’s, not ours. Payments are handled by Stripe, which charges its own standard processing fee on each transaction and deducts it from the payment before it settles to the provider. Client payments go directly to the provider’s own Stripe account and are never held by Liberty Care. That fee is set by Stripe, is disclosed in Stripe’s terms, and Liberty Care receives no part of it.

Our revenue is a flat provider membership fee, disclosed at signup and on your billing page. Caregivers and nurse practitioners pay a monthly or annual membership; residential assisted living homes pay one flat monthly membership for the home, whatever its bed count. A provider’s first membership charge is taken only after their first confirmed client. Introductory and founding-member offers, where available, are described at signup and apply as stated there.

Clients pay the provider’s posted rate plus any fees or costs disclosed before the booking is confirmed. You will not be charged an amount that was not shown to you before you confirmed it. Where a third-party service is required for a provider to participate — a background screening, an insurance verification — its cost is disclosed and charged to the provider before it is performed.

Payments and payouts are processed by our third-party payment processor, and by transacting you also agree to that processor’s terms. Membership fees may change on notice; a change never applies to a period already paid for. Cancelling a membership stops future charges and does not refund a period already served, unless stated otherwise at the point of sale or required by law.

How and when a client is charged for care. Nothing is taken when you book. You give us a card and we keep it on file. A few days before the care, we place a hold on that card for the amount shown to you when you booked — a reservation, not a charge. The money is taken only once the care has been delivered, and only for the care that was actually delivered.

If the hold cannot be placed — a card that has expired or been replaced, or a bank that declines it — we will tell you and give you 24 hours to add a working card. If we still cannot reserve the amount after that, we will cancel the booking and tell you we have done so. Nothing is charged in that situation.

The provider is the merchant. Care is sold to you by the provider, not by Liberty Care. Payment for care is a transaction between you and that provider, processed through our payment processor and settled into the provider’s own account. Liberty Care takes no percentage of it.

If a payment does not complete. An authorization can fail or lapse — a card is closed or replaced, funds are unavailable, an issuer declines, or the authorization expires before the care is delivered. Liberty Care does not guarantee, advance, insure, or underwrite payment for care, and is not liable to a provider for an amount a client’s payment method does not complete. A provider who accepts a booking accepts that risk, as they would with any client of their own business. We will show a provider the payment status of every booking and will make reasonable efforts to help collect, but the amount is owed by the client to the provider.

Clients remain responsible for care they have received. If care has been delivered and payment does not complete, you still owe the provider for it, and we may suspend your account until it is settled. This section concerns payment only. It does not limit, expand, or otherwise alter Section 22, which governs liability for the care itself.

8. Booking, scheduling, and cancellation

A booking is an agreement between a client and a provider for care at a stated address, date, and time. The care address is given per booking, because families frequently arrange care at a parent’s home rather than their own. An address we cannot locate on a map cannot be booked, because attendance there could not be verified.

Cancelling, and what you get back. You are only ever charged for care that has been delivered. Cancel before the shift starts and you pay nothing — any hold on your card is released, and anything already taken for that shift is refunded. There is no cancellation window and no cancellation fee.

Your cancellation record is shown to caregivers. Once your account has enough booking history, a caregiver deciding whether to take your booking is shown one figure: the percentage of your bookings that were cancelled less than 24 hours before the start. Cancellations made earlier than that do not appear at all, and neither do the bookings themselves, the dates, or which caregivers were involved. You agree to this disclosure by making a booking.

If a provider cancels, or does not attend, you are not charged and are never billed for care that was not delivered. Repeated late cancellation or failure to attend confirmed shifts may result in suspension.

9. What providers may and may not do

Providers must work strictly within the scope of their role, their license, and Arizona law. This section exists because the most common way in-home care goes wrong is a well-meaning person doing something they are not permitted to do.

• Medication. A non-medical caregiver may not administer medication, give injections, or perform any task requiring a clinical license. Assistance permitted under Arizona law — such as reminding a client to take their own medication — is not affected. Licensed clinicians may work within their own scope only.
• Medical and nursing tasks. Wound care, catheter or feeding-tube management, and similar tasks are for appropriately licensed clinicians. If a client’s needs exceed what a provider is licensed to do, the provider must say so rather than attempt it.
• Transportation. Driving a client is not part of any booking arranged through Liberty Care unless the client and provider agree it separately. If they do, it is between them: the provider must hold a valid driver’s license and their own auto insurance, and Liberty Care does not insure, verify, or accept responsibility for transportation.
• Handling money and property. A provider may not take control of a client’s finances, accounts, cards, or property beyond what a specific booking requires and the client has expressly asked for.

10. Client responsibilities and a safe working environment

A provider is entering a home, often alone. Clients and the families arranging care are responsible for making that reasonably safe and for describing it honestly.

• Describe the care accurately. Tell the provider what the care recipient actually needs, including mobility and transfer requirements, cognitive impairment, and any history of aggression or wandering. A provider who arrives to a situation materially different from the one described may decline the shift.
• Disclose hazards. Firearms in the home, aggressive animals, known infectious illness, unsafe access, and anything else that would affect someone’s decision to work there.
• Do not ask a provider to work outside their scope (section 9), and do not ask them to work while unwell or beyond agreed hours.
• Provide a home free of harassment, and treat providers with the respect any worker is owed.

A provider may leave a shift they reasonably believe to be unsafe, and should report it. We will not penalize a provider for leaving a genuinely unsafe situation.

11. Emergencies — the Service is not an emergency service

Liberty Care is not a monitoring, alarm, or emergency response service, and no one here is watching in real time. In a medical emergency, call 911. Do not use in-app messaging, a shift note, or a support request to report an emergency — those reach a person during business hours, not immediately.

Clock-in and clock-out records confirm attendance after the fact. They are not a wellbeing check, they do not alert anyone if a provider fails to arrive, and they must not be relied on as a safety net for a person who cannot be left alone.

12. Clock-in, location checks, and the care record

• A provider clocks in at the start of a shift and out at the end. At those two moments only, their device reports its coordinates and we check they are within approximately 200 metres of the care address.
• We do not track providers continuously. There is no ongoing location monitoring during a shift, between shifts, or at any other time. We hold two location checks per shift and nothing else.
• Device-reported location confirms attendance. Clock times, tasks recorded against a care plan, and any issues reported form the shift record, which is visible to the client and retained by us as an auditable record of the care delivered.

If a provider cannot start a confirmed shift, the Service may notify other qualified providers nearby so the shift can be covered. Substitutes are matched to the level of care booked — a non-medical shift is offered only to non-medical caregivers, clinical visits only to appropriately licensed clinicians. We cannot guarantee a replacement is found for any given shift.

13. Health information and privacy

Arranging care means telling us something about a person’s health — care needs, a care plan, tasks completed on a shift. Our Privacy Policy explains what we collect and how it is used, and forms part of these Terms.

Liberty Care is not a HIPAA covered entity, and using the Service does not create a HIPAA relationship between you and us. Independent clinicians who use the Service may have their own obligations under HIPAA and other laws; those are theirs, not ours. Share only what is needed to arrange and deliver care, and do not post another person’s health information in a profile, review, or message where it is not necessary.

14. Communication, and consent to be contacted

By creating an account you agree to receive communications from us electronically — service messages about your account, bookings, credentials, and payments — at the email address and phone number you provide. These are part of the Service and cannot be switched off while your account is open.

If you give us a mobile number you agree we and providers or clients you are matched with may contact you there, including by text, about care you have arranged. Message and data rates may apply. You can opt out of non-essential marketing messages at any time without affecting service messages.

Messages sent through the Service are stored on the platform and may be reviewed by us where necessary to investigate a reported problem, resolve a dispute, comply with law, or enforce these Terms.

15. Your conduct

You agree not to use the Service to:

• misrepresent your identity, credentials, licensure, insurance, or eligibility to work;
• harass, threaten, abuse, exploit, or discriminate against any person;
• solicit, offer, advertise, or arrange sexual or romantic services, whether or not payment is involved. Companionship is a legitimate and common form of non-medical care and nothing here restricts it. A romantic or sexual relationship is not a care service, and Liberty Care must not be used to seek, offer, or disguise one;
• neglect, endanger, or financially exploit a care recipient, or fail to report a safeguarding concern you become aware of;
• solicit money, gifts, loans, credit, or changes to a will, deed, or account from a care recipient or their family, or accept any of these if offered;
• work under the influence of alcohol or drugs, or otherwise unfit to deliver care safely;
• defraud any person, or misuse another user’s payment or personal information;
• scrape, reverse engineer, overload, probe, or interfere with the Service or its security, or use it to build a competing product;
• violate any applicable federal, state, or local law, including licensing, care, and labor law.

We may remove content, suspend accounts, and report conduct to the appropriate authorities where we believe a person is at risk. Sexual solicitation and the financial exploitation of a care recipient are removed immediately and without warning, and where the person affected is a vulnerable adult we will report it, including to Arizona Adult Protective Services. This applies equally to clients and to providers, and it applies whether or not the other person appeared to consent — the people this platform exists to serve are frequently not in a position to refuse.

16. Safeguarding and reporting

If something happens on a shift that concerns you, report it in the app. It reaches a person here, and a report made in good faith will never count against the account that made it.

Arizona law requires certain people to report suspected abuse, neglect, or exploitation of a vulnerable adult (A.R.S. § 46-454). If that duty applies to you, it is yours and reporting it to us does not discharge it. Reporting to us is not a substitute for calling 911 or Adult Protective Services where a person is in danger.

17. Non-discrimination and care preferences

Providers may not refuse or degrade care on the basis of race, color, national origin, religion, sex, sexual orientation, gender identity, disability, age, or any other protected characteristic.

Care preferences are a narrow and deliberate exception. A client may state a preference — most commonly the gender of the person providing intimate personal care — and providers may state the care levels and tasks they offer. A preference expressed for genuine care reasons is not a basis for a provider to discriminate against anyone else.

18. Reviews and profile content

Clients may review providers they have engaged. Reviews must be honest and based on a real engagement. You keep ownership of the content you submit and grant Liberty Care a non-exclusive, worldwide, royalty-free license to host and display it within the Service for the purpose of operating the platform. We may remove content that is fraudulent, defamatory, unlawful, or in breach of these Terms. If you send us feedback or suggestions, we may use them without obligation to you.

19. Our platform

The Service, including its software, design, text, and branding, belongs to Liberty Care and its licensors. You get a limited, personal, non-transferable, revocable license to use the Service for its intended purpose, and nothing more. You may not copy, resell, sublicense, or create derivative works from it.

20. Third-party services

The Service relies on third parties — among them payment processing, email and messaging delivery, credential and insurance verification, background screening, and mapping. Their handling of your information is governed by their own terms and policies, and we are not responsible for the acts, omissions, or availability of any third-party service.

21. No medical advice; assumption of risk

Nothing on the Service is medical advice, diagnosis, or treatment, and nothing here substitutes for professional medical judgment. In-home care carries inherent risk. You accept that Liberty Care does not deliver, supervise, or control care, and that the conduct of independent providers and of clients is outside our control.

22. Disclaimers and limitation of liability

The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted or error-free.

To the fullest extent permitted by law, Liberty Care is not liable for the acts or omissions of any provider, client, or third party, nor for any indirect, incidental, consequential, special, or punitive damages, or lost profits. Our total aggregate liability for any claim relating to the Service is limited to the total fees you paid to Liberty Care in the three months immediately before the event giving rise to the claim. Nothing in these Terms limits liability that cannot lawfully be limited, including for death or personal injury caused by our own negligence, or for fraud.

23. Indemnification

You agree to indemnify and hold harmless Liberty Marketplaces LLC and its members, officers, and agents from any claim, loss, liability, or expense (including reasonable legal fees) arising out of your use of the Service, the care you deliver or receive, your interactions with other users, or your breach of these Terms.

24. Suspension and termination

You may stop using the Service at any time and may close your account from your account settings. We may suspend or terminate an account that breaches these Terms, that we believe presents a risk to a care recipient or a provider, or that can no longer satisfy the credential requirements for its role.

Closing an account does not cancel bookings already confirmed and does not affect fees already owed. Shift records and care documentation are retained after closure as required for our records and by law. Provisions that by their nature should survive termination — fees owed, disclaimers, limitation of liability, and indemnification — survive it.

25. Disputes, arbitration, and governing law

Please read this section carefully — it affects your legal rights. It requires most disputes to be resolved by individual arbitration rather than in court, and it waives your right to a jury trial and to participate in a class action. You may opt out within 30 days and nothing else in these Terms changes if you do.

Talk to us first. Before starting arbitration or any other proceeding, send a written description of the dispute and the resolution you want to admin@libertyinhomecare.com. We will do the same for any claim we have against you. Give us 30 days to resolve it — most matters end here, and neither side may begin arbitration until that period has passed.

Binding individual arbitration. If we cannot resolve it informally, you and Liberty Care agree that any dispute arising out of or relating to these Terms or the Service will be settled by final and binding arbitration, administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, in Maricopa County, Arizona or — at your election — by telephone, video, or on written submissions. The Federal Arbitration Act governs this section. The arbitrator, not a court, decides questions about the scope or applicability of this agreement to arbitrate, except as stated below. Judgment on the award may be entered in any court of competent jurisdiction. Arbitration fees are allocated under the AAA Consumer Rules, and we will pay the portion those rules require of us.

Class action and jury trial waiver. Claims may be brought only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may award relief only to the individual party seeking it, and only to the extent necessary to that party’s own claim. You and Liberty Care each waive the right to a trial by jury.

What this section does NOT cover. These carve-outs are deliberate and not exhaustive of your rights:

• Either of us may bring an individual claim in small claims court if it qualifies.
• Either of us may seek injunctive relief in court to protect intellectual property or to stop unauthorized access to the Service.
• Nothing in these Terms prevents you from reporting anything to a government agency, or from participating in an agency’s investigation or proceeding. That expressly includes Arizona Adult Protective Services, Arizona’s Attorney General, the Department of Health Services, and any licensing board. We will not treat such a report as a breach of these Terms, and no confidentiality obligation applies to it.
• Any claim that applicable law does not permit to be arbitrated or waived.

Your right to opt out. You may decline this arbitration and class-waiver section by emailing admin@libertyinhomecare.com with your name, the email on your account, and a clear statement that you opt out of arbitration, within 30 days of first accepting these Terms. Opting out affects nothing else — it does not change your account, your fees, or how we treat you, and we will not retaliate for it. If you opt out, disputes go to the courts described below.

If part of this section fails. If the class action waiver is found unenforceable as to a particular claim, that claim — and only that claim — is severed from arbitration and heard in court; the rest of this section still applies to every other claim. If the whole of this section is found unenforceable, the courts below govern.

Governing law and courts. These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law rules. Where a dispute is not subject to arbitration, it is subject to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona, and you consent to that jurisdiction.

Any claim relating to the Service must be brought within one year after it arises, to the extent that limit is permitted by law.

26. General

• Severability. If any provision is found unenforceable, the rest remains in force and that provision is applied as narrowly as needed to make it enforceable.
• No waiver. If we do not enforce a provision, we have not waived it.
• Assignment. You may not transfer your account or rights under these Terms. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.
• Entire agreement. These Terms and the Privacy Policy are the whole agreement between you and Liberty Care about the Service, and replace any earlier version.
• Events outside our control. We are not liable for failure to perform caused by events beyond our reasonable control, including outages, natural disasters, and public-health emergencies.
• Notices. We give notice by email to the address on your account or by posting in the Service. Notices to us go to the address in section 28.

27. Changes to these Terms

We may update these Terms as the Service develops. Material changes will be posted here with a new “last updated” date and, where appropriate, notified in the app. Continuing to use the Service after a change takes effect means you accept the updated Terms.

28. Contact

Questions about these Terms can be sent to admin@libertyinhomecare.com. Liberty Care is operated by Liberty Marketplaces LLC, an Arizona limited liability company.

See also our Privacy Policy, which explains what information we collect and how it is used.