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Cora’s Terms & Privacy

Terms of Service
Designer Term of Use
Vendor Term of Use

Trade terms
Eligibility Policy
Product Guidelines

Purchase terms

Privacy Policy
IP Policy

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Terms of Service

Last Updated: November 23, 2020
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The Cora Terms of Service is comprised of the following agreements:
Terms of ServiceDesigner Terms of UseVendor Terms of UseTrade Account TermsPayments PolicyEligibility PolicyProduct GuidelinesPrivacy PolicyIP PolicyCookie Policy

1. Overview and Acceptance of Use
Welcome to Cora! Cora Home Inc. (“Cora”) is a curated wholesale online marketplace and sales & business tools software platform connecting Vendors and Designers, accessible through its websites (collectively, the “Site”) (together, the “Services”). Throughout these Terms of Service (“Terms”), the terms “Cora”, “our”, “us”, and/or “we” refer to Cora. The terms “you” and/or “your” refer to any visitor of the Site and/or the Application and any user of the Services, including any Member (as defined below). These Terms govern your access to and use of the Services and Collective Content (defined below), and constitute a binding legal agreement between you and Cora.
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Please read this User Agreement, our Privacy Policy, the Designer Terms of Service, and Vendor Terms of Service, all of which are incorporated herein by reference and govern your access to and use of the Services. The Services are offered and available solely to users who are 18 or older. By using the Services, you represent and warrant that you are of legal age to form a binding contract with Cora and meet the foregoing eligibility requirements. If you do not meet these requirements, you must not access or use the Services. If you are entering into these Terms on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that party to these Terms and, in such event, “you” and “your” will refer and apply to that party.
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YOU ACKNOWLEDGE AND AGREE THAT BY ACCESSING OR USING THE SERVICES (INCLUDING BY DOWNLOADING OR POSTING ANY CONTENT FROM OR ONTO THE SERVICES), YOU AGREE TO BE BOUND BY THESE TERMS AND ALL OTHER TERMS AND POLICIES REFERENCED IN THESE TERMS. THIS APPLIES WHETHER OR NOT YOU HAVE REGISTERED ON OR THROUGH THE SERVICES. IF YOU DO NOT AGREE, THEN YOU HAVE NO RIGHT TO ACCESS OR USE THE SERVICES OR COLLECTIVE CONTENT.
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THESE TERMS REQUIRE THE USE OF ARBITRATION TO RESOLVE INDIVIDUAL DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU SHOULD THERE BE A DISPUTE. YOUR AGREEMENT TO THESE TERMS INDICATES YOUR EXPRESS ACKNOWLEDGEMENT AND AGREEMENT THAT YOU HAVE READ AND UNDERSTAND HOW THE ARBITRATION PROVISION SET FORTH IN SECTION 24 BELOW WORKS.

2. Modification
We reserve the right, at our sole discretion to modify, suspend, discontinue or terminate the Services or any content, feature or material we provide thereon, or to modify these Terms, at any time and without prior notice, and have no obligation to update any information thereon. We will not be liable if for any reason all or any part of the Services is unavailable at any time or for any period. From time to time, we may restrict access to some or all parts of the Services to users, including Members. You agree that it is your responsibility to monitor changes to our Services. If we modify these Terms we will post the modification on the Site or via the Application and/or provide you with notice of the modification. By continuing to access or use the Services thereafter, you are indicating that you agree to be bound by the modified Terms. If the modified Terms are not acceptable to you, your only recourse is to cease using the Services.

3. Key Definitions
“Collective” means, collectively, Cora Content and Member Content.
“Content” means text, graphics, images, media files, software (excluding the Application), audio, video, information or other materials.
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“Cora Content” means Content that Cora makes available through the Services including any Content licensed from a third party, but excluding Member Content.
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“Design Firm” means a business primarily engaged in the design, architecture and/or construction of residential, commercial, hospitality or contract projects. 
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“Designer” means an owner, employee or contracted worker of a Design Firm. 
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“Member” means a business that completes Cora’s account registration process, as described under the “Account Registration” section below.
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“Member Content” means Content that a Member posts, uploads, publishes, submits or transmits to Cora to be made available through the Services.
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“Vendor” means a business entity primarily engaged in the business of designing, producing and/or selling home furnishings and construction products to the Trade or wholesale market. 
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4. Account Registration
To access certain features of the Services and to post any Member Content thereon, you must register to create an account (“Account”) and become a Member. Cora offers two types of Accounts. The first is a “Designer Account” for buyers who purchase goods through the Services for the purpose of resale (“Designers”). The second is a “Vendor Account” for sellers who offer to sell and/or sell their goods to Designers through the Services (“Vendor”). Each type of Account gives access to different aspects of the Services.
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You may register directly via the Site. During the registration process, you will be required to provide certain information (depending on the type of Account), and you will establish a username and a password. You agree that all information you provide to register for an Account (and/or for any subsequent activity or interaction with Cora and the Services), including through the use of any interactive features on the Services, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information or information you provide, consistent with our Privacy Policy.
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You agree to provide accurate, current and complete information during the registration process and to update such information to keep it accurate, current and complete. We reserve the right to temporarily suspend or permanently terminate your Account if any information provided during the registration process or thereafter proves to be inaccurate, not current or incomplete. You are responsible for safeguarding your password and you agree that you will not disclose it to any third party. You agree that you are solely responsible for any activities or actions under your Account, whether you authorized them or not. You will immediately notify us of any unauthorized use of your Account. We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms.

5. Account Levels
Vendor Account. To access the platform and sell goods through the Services as a Vendor, you must submit an application to, and be approved by, Cora. The application process and Vendor Account are both free. The application seeks information about you, your company and your products. If approved as a Vendor, you will be required to submit additional information, including about your business, where to deposit funds from sales of your products and applicable tax and related documentation (e.g., Resale Number, EIN, etc.). Additional detail regarding information collected can be found in our Privacy Policy. For clarity, your use of the Services as a Vendor is subject to the Vendor Terms of Service referenced above.
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Designer Account. To access the platform and purchase goods through the Services as a Designer, you need to establish a Designer Account, which is free. When you sign up as a Designer, you will be required to submit customary information such as your first and last name, email address and other information about your business. Before you make your first purchase as a Designer, you may be required to provide additional information such as payment method information, reseller ID number and related documentation and any other information as may be required by Cora. Additional detail regarding information collected can be found in our Privacy Policy. For clarity, your use of the Services as a Designer is subject to the Designer Terms of Service referenced above. 
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By submitting payment details in conjunction with registering for a Designer Account and/or purchasing goods, you agree to pay for the goods purchased and any applicable taxes and other fees that may accrue, and authorize us to charge the payment method with the information you have supplied to us, and/or to credit such payment method to make any adjustments if necessary. We reserve the right to correct any errors in pricing. We, and the Vendor, have the right to refuse any order.
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6. Ownership
The Services and Collective Content are each protected by copyright, trademark and other laws of the United States and foreign countries. You acknowledge and agree that the Services and Collective Content, excluding your specific Member Content, including all associated intellectual property rights, are the exclusive property of Cora, its licensors and/or other providers of such material. Other than expressly stated herein, there are no implied licenses granted under these Terms. You will not remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services or Collective Content. Additionally Cora is the owner of pending, registered and/or unregistered trademarks, trade dress and trade name appearing on the Services, including the Cora name and logo, and all related names, logos, product and service names, designs and slogans. You agree to not use such marks without Cora’s prior written permission. Any other trademarks, service marks, logos, trade names and any other proprietary designations are the trademarks or registered trademarks of their respective parties.
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7. License Granted by Cora
License Grant. Subject to the terms and conditions of these Terms, Cora grants you: (a) a non-transferable, non-exclusive, revocable, limited license, with no right to sublicense, to use and access the Services, and to view any Collective Content to which you are permitted access solely for the purposes set forth in these Terms; and (b) a limited non-exclusive, revocable, non-transferable license to download and install a copy of the Application on your device solely in connection with your use of the Services.
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Restrictions. Except as otherwise stated, the rights granted herein are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host or otherwise commercially exploit the Services or Collective Content; (b) you shall not copy, reproduce, disseminate, distribute, modify, adapt, create derivative works of, publicly display, publicly perform, stream, broadcast, republish, download, disassemble, reverse compile, reverse engineer, store, post or transmit any of the material or content on our Services; and (c) you shall not interfere with or circumvent any feature of the Services, including any security or access control mechanism, in whole or in part, except as permitted in these Terms. Except as expressly granted in these Terms, no licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by Cora, its licensors or others. If you violate the rights of Cora, its licensors or others, your right to use the Services will stop immediately and you must, at our option, return or destroy any copies of the materials you have made.
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8. License Granted by Member
Cora does not claim any ownership rights in any Member Content and nothing in these Terms will be deemed to restrict any rights that you may have to use and exploit any Member Content.
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We may, in our sole discretion, permit Members to post, upload, publish, submit or transmit Member Content to us. By providing or otherwise making Member Content available to Cora on or through the Services, you hereby grant to Cora a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license, with the right to sublicense, to use, view, copy, adapt, modify, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast and otherwise exploit such Member Content on, through or by means of the Services and/or any of Cora’s advertising, marketing, publicity or other initiatives or events. 
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You acknowledge and agree that you are solely responsible for any and all Member Content that you make available through the Services. Accordingly, you represent and warrant that: (a) you either are the sole and exclusive owner of all such Member Content or you have all rights, licenses, consents and releases necessary to grant to Cora the rights in such Member Content as contemplated under these Terms; and (b) neither the Member Content or any portion thereof nor your posting, uploading, publication, submission or transmittal of the Member Content or Cora’s use of the Member Content (or any portion thereof) on, through or by means of the Services and/or third party platforms will infringe, misappropriate or violate a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy, or contain libelous, misleading, or otherwise unlawful, abusive, harassing or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Services, or result in the violation of any applicable law or regulation. You agree that you will not use a false e-mail address, pretend to be someone other than yourself or otherwise mislead us or third parties as to the origin of any posts. You are solely responsible for any Member Content you make and its accuracy. Cora takes no responsibility and assumes no liability for any Member Content posted by you or any third party, and you agree to indemnify Cora per the terms of the Indemnification section herein.
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9. Feedback
We welcome and encourage you to provide feedback, comments and suggestions for improvements to the Services (“Feedback”). You acknowledge and agree that if you submit any Feedback to us (through any communication channel), you hereby grant to us a non-exclusive, worldwide, perpetual, irrevocable, fully-paid, royalty-free, sub-licensable and transferable license under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon and otherwise exploit the Feedback for any purpose.
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10. Reliance on Information Posted
The information presented on or through the Services is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site or user of the Services, or by anyone who may be informed of any of its contents.
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The Services include content provided by third parties, including materials provided by other users, Members, bloggers and third party licensors. All statements and opinions expressed in these materials, and all articles and responses to questions and other Content, other than the Content provided by Cora, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Cora. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
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11. Links to Third Party Websites
The Services may contain links to third-party websites or resources. You acknowledge and agree that Cora is not responsible or liable for: (a) the availability or accuracy of such websites or resources; or (b) the Content, products or services on or available from such websites or resources. Links to such websites or resources do not imply any endorsement by Cora of such websites or resources or the Content, products or services available from such websites or resources. You acknowledge sole responsibility for and assume all risk arising from your use of any such websites or resources or the Content, products, or services on or available from such websites or resources. Also, Apple Inc. (“Apple”) and Google, Inc. will be a third party beneficiary to these Terms if you access the Services using applications developed for Apple iOS or Android, respectively. These third party beneficiaries are not parties to these Terms and are not responsible for the provision or support of the Services in any manner. Your access to the Services using these applications or devices is subject to terms set forth in their respective terms of service and privacy policies.
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12. Prohibited Uses‍
You agree not to do any of the following:
Post, upload, publish, submit or transmit any Content that: (a) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (b) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (c) is fraudulent, false, misleading or deceptive; (d) is defamatory, obscene, pornographic, vulgar or offensive; (e) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (f) is violent or threatening or promotes violence or actions that are threatening to any person or entity; or (g) promotes illegal or harmful activities or substances.
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Use, embed, display, mirror or frame the Site or Application, or any individual element within the Services, Cora’s name, any Cora trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without Cora’s express written consent or as enabled by features made available by Cora (e.g., widgets) (you may link to Cora’s homepage, so long as you do not imply or suggest any form of association, approval or endorsement on our behalf without our express written consent but you may not link to the Site in a libelous, misleading or otherwise unlawful manner, or in any manner that violates these Terms);
Access, tamper with or use non-public areas of the Site or Application, Cora’s computer systems or the technical delivery systems of Cora’s providers;
Attempt to probe, scan, or test the vulnerability of any Cora system or network or breach any security or authentication measures;
Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by Cora or any of Cora’s providers or any other third party (including another user) to protect the Services or Collective Content;
Attempt to access or search the Services or Collective Content or download Collective Content from the Services through the use of any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by Cora or other generally available third party web browsers;
Send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation to, through, or with any assistance from, the Services;
Use any meta tags or other hidden text or metadata utilizing a Cora trademark, logo URL or product name without Cora’s express written consent;
Use the Services or Collective Content in any manner not permitted by these Terms;
Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services or Collective Content to send altered, deceptive or false source-identifying information;
Attempt to decipher, decompile, disassemble or reverse engineer any of the software or algorithms used to provide the Services or Collective Content;
Interfere with, or attempt to interfere with, the access of any user, host or network, including sending a virus, overloading, flooding, spamming or mail-bombing the Services;
Collect or store any personally identifiable information from the Services from other users of the Site, Services or Application without their express permission and in a manner that does not violate Cora’s Privacy Policy;
Impersonate or misrepresent your affiliation with any person or entity;
Violate any applicable law or regulation; or
Encourage or enable any other third party to do any of the foregoing.
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Cora will have the right to investigate and prosecute violations of any of the above to the fullest extent of the law. Cora may involve and cooperate with law enforcement authorities in prosecuting users who violate these Terms. You acknowledge that Cora has no obligation to monitor your access to or use of the Services or Collective Content, or to review or edit any Collective Content, but has the right to do so for the purpose of operating the Services, to ensure your compliance with these Terms, to investigate a complaint or to comply with applicable law or the order or requirement of a court, administrative agency or other governmental body. Cora reserves the right, at any time and without prior notice, to remove or disable access to any Member Content or Collective Content that Cora, in its sole discretion, considers to be in violation of these Terms or otherwise harmful to the Services. Cora reserves the right to cooperate fully with law enforcement, and to involve and share information with law enforcement, governmental agencies or other oversight bodies if Cora suspects illegal activity may be taking place.
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13. Text Messages and Telephone Calls
Cora, and those acting on Cora’s behalf, may contact you by telephone or text message (including through use of an automatic telephone dialing system) at the phone numbers you have provided to us. These messages may include operational messages about your use of the Service. You understand that you are not required to consent to communications as a condition of purchasing any property, goods or services. You may opt out of receiving telephone calls or text messages from us at any time, either by texting the word “STOP” in response to a text message received from us using the mobile device that is receiving the messages. You may continue to receive text messages for a short period while Cora processes your request, and you may also receive text messages confirming the receipt of your opt-out request. Opting out of receiving operational text messages may impact the functionality of the Services. Standard data and message rates may apply whenever you send or receive such messages, as specified by your carrier.
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14. Procedure for Claiming Intellectual Property Infringement – DMCA Notice
Cora respects intellectual property laws and expects its users to do the same. It is Cora’s policy to terminate, in appropriate circumstances, Members or other account holders who infringe or are believed to be infringing the intellectual property rights of others. See Cora’s IP Policy.
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15. Information We Collect About You
All information we collect about you when you apply for an account or use or visit the Services is subject to our Privacy Policy. By using the Services, you consent to the terms and conditions of the Privacy Policy and all actions taken by us in accordance with it.
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16. Termination and Account Cancellation
If you breach any of these Terms, Cora will have the right to suspend or disable your Account or terminate these Terms, in its sole discretion and without prior notice to you. Cora reserves the right to revoke your access to and use of the Services and Collective Content at any time, with or without cause. In the event Cora terminates these Terms for your breach, you will remain liable for all amounts due hereunder. You may cancel your Account at any time by sending an email to support@CoraHome.com.
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17. Disclaimers
THE SERVICES AND COLLECTIVE CONTENT ARE PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITING THE FOREGOING, Cora EXPLICITLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT OR NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. Cora MAKES NO WARRANTY THAT THE SERVICES OR COLLECTIVE CONTENT WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE OR ERROR-FREE BASIS. Cora MAKES NO WARRANTY REGARDING THE QUALITY OF ANY PRODUCTS, SERVICES OR COLLECTIVE CONTENT PURCHASED OR OBTAINED THROUGH THE SERVICES OR THE ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS OR RELIABILITY OF ANY CONTENT OBTAINED THROUGH THE SERVICES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM Cora OR THROUGH THE SERVICES OR COLLECTIVE CONTENT, WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
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YOU ARE SOLELY RESPONSIBLE FOR ALL OF YOUR COMMUNICATIONS AND INTERACTIONS WITH OTHER USERS OF THE SERVICES AND WITH OTHER PERSONS WITH WHOM YOU COMMUNICATE OR INTERACT AS A RESULT OF YOUR USE OF THE SERVICES. YOU UNDERSTAND THAT Cora DOES NOT SCREEN OR INQUIRE INTO THE BACKGROUND OF ANY USERS OF THE SERVICES, NOR DOES Cora MAKE ANY ATTEMPT TO VERIFY THE STATEMENTS OF USERS OF THE SERVICES. Cora MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONDUCT OF USERS OF THE SERVICES OR THEIR COMPATIBILITY WITH ANY CURRENT OR FUTURE USERS OF THE SERVICES. YOU AGREE TO TAKE REASONABLE PRECAUTIONS IN ALL COMMUNICATIONS AND INTERACTIONS WITH OTHER USERS OF THE SERVICES AND WITH OTHER PERSONS WITH WHOM YOU COMMUNICATE OR INTERACT AS A RESULT OF YOUR USE OF THE SERVICES, PARTICULARLY IF YOU DECIDE TO MEET OFFLINE OR IN PERSON.
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18. Indemnity
You agree to defend, indemnify, and hold Cora, and its parent, subsidiaries, affiliates, partners, successors, and assigns, and each of their owners, members, officers, directors, employees, agents, representatives, contractors, subcontractors, licensors, investors, service providers and third party content providers, harmless from any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal and accounting fees) made by any third party due to or arising out of your violation of these Terms, and/or any law or the rights of a third party, and/or your use of the Services, including your Member Content.
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19. LIMITATION OF LIABILITY
YOU ACKNOWLEDGE AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE ENTIRE RISK ARISING OUT OF YOUR ACCESS TO AND USE OF THE SERVICES AND COLLECTIVE CONTENT REMAINS WITH YOU. NEITHER Cora NOR ANY OTHER PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DELIVERING THE SITE, SERVICES, APPLICATION OR COLLECTIVE CONTENT WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOSS OF DATA OR LOSS OF GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE PRODUCTS OR SERVICES, OR FOR ANY DAMAGES FOR PERSONAL OR BODILY INJURY OR EMOTIONAL DISTRESS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES OR COLLECTIVE CONTENT, OR FROM ANY COMMUNICATIONS, INTERACTIONS OR MEETINGS WITH OTHER USERS OF THE SERVICES OR OTHER PERSONS WITH WHOM YOU COMMUNICATE OR INTERACT AS A RESULT OF YOUR USE OF THE SERVICES WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT Cora HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
IN NO EVENT WILL Cora’S AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES OR COLLECTIVE CONTENT EXCEED US$100. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN Cora AND YOU. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
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20. Controlling Law and Jurisdiction
These Terms and any action related thereto will be governed by the laws of the State of Illinois without regard to its conflict of laws provisions. The exclusive jurisdiction and venue of any action or court proceeding permitted under these Terms will be the state and federal courts located in the Northern District of Illinois and each of the parties hereto waives any objection to jurisdiction and venue in such courts.
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21. Export Control
You agree to comply fully with all U.S. and foreign export laws and regulations to ensure that neither the Application nor any technical data related thereto nor any direct product thereof is exported or re-exported directly or indirectly in violation of, or used for any purposes prohibited by, such laws and regulations. You represent and warrant that: (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
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22. Assignment
You may not assign or transfer these Terms, by operation of law or otherwise, without Cora’s prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and of no effect. Cora may assign or transfer these Terms in its sole discretion without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.
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23. Notices
Any notices or other communications permitted or required hereunder, including those regarding modifications to these Terms, will be in writing and given: (a) by Cora via email (in each case to the primary account email address that you provide); (b) by posting to the Site; or (c) via the Application. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.
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24. DISPUTE RESOLUTION – ARBITRATION
PLEASE READ THIS ARBITRATION PROVISION CAREFULLY BECAUSE IT AFFECTS YOUR RIGHTS.
You and Cora agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Services (collectively, “Disputes”) will be settled by binding arbitration, except that each party retains the right to: (a) bring an individual action in small claims court; (b) the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights; (c) pursue an enforcement action through the applicable federal, state or local agency if that action is available; and (d) seek injunctive relief in a court of law in aid of arbitration. YOU ACKNOWLEDGE AND AGREE THAT YOU AND Cora ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING. Further, unless both you and Cora otherwise agree in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any class or representative proceeding. If this specific paragraph is held unenforceable, then the entirety of this “Dispute Resolution” section will be deemed void. Except as provided in the preceding sentence, this “Dispute Resolution” section will survive any termination of these Terms.
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Arbitration Rules and Governing Law. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Commercial Arbitration Rules (the “AAA Rules”) then in effect, except as modified by this “Dispute Resolution” section. The parties agree that the Federal Arbitration Act applies and will govern the interpretation and enforcement of this Arbitration Agreement.
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Arbitration Process. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. The arbitrator will be either a retired judge or an experienced (15+ years practicing) attorney licensed to practice law in the state of Illinois.
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Arbitration Location and Procedure. Unless you and Cora otherwise agree, the arbitration will be conducted in the county where you reside. If your claim does not exceed US$10,000, then the arbitration will be conducted solely on the basis of documents you and Cora submit to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds US$10,000, your right to a hearing will be determined by the AAA Rules. Subject to the AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties.
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Arbitrator’s Decision. The arbitrator will render an award within the time frame specified in the AAA Rules. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator’s award damages must be consistent, to the extent permitted by law, with the terms of the “Limitation of Liability” section above as to the types and the amounts of damages for which a party may be held liable.
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Fees. Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the AAA Rules. If applicable arbitration rules or laws require us to pay a greater portion or all of such fees and costs in order for this Dispute Resolution provision to be enforceable, then we will have the right to elect to pay the fees and costs and proceed to arbitration.
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Changes. Notwithstanding the provisions of the “Modification” section above, if Cora changes this “Dispute Resolution” section after the date you first accepted these Terms (or accepted any subsequent changes to these Terms), you may reject any such change by sending us written notice (including by email to support@CoraHome.com) within 30 days of the date such change became effective, as indicated in the “Last Updated Date” above or in the date of Cora’s email to you notifying you of such change. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Cora in accordance with the arbitration provisions of this “Dispute Resolution” section (however entitled) as of the date you first accepted these Terms or accepted any subsequent changes to these Terms.
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25. Entire Agreement
These Terms of Service constitute the entire and exclusive understanding and agreement between Cora and you regarding the Services and Collective Content, and these Terms supersede and replace any and all prior oral or written understandings or agreements between Cora and you regarding the Services and Collective Content.
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26. Miscellaneous
The failure by Cora to enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Cora. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise. If for any reason a court of competent jurisdiction finds any provision of these Terms invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. Throughout these Terms, the word “include” or “including” means “including, but not limited to”. Provisions that by their nature are intended to survive the termination of these Terms or your use of the Services will survive.

27. Contact Us
If you have any questions about these Terms, please contact Cora at:Cora Home Inc.640 N LaSalle StreetSuite 460Chicago, IL 60654support@corahome.com

Vendor Term of Use

Last Updated: Nov 23, 2020
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These Designer Terms of Use (“Designer Terms”) define the terms and conditions under which Cora offers and you agree to use Cora’s service, as described in these terms (“Designer Terms”), and are part of and incorporate by reference the Cora User Agreement and other Terms of Service. The Designer Terms are in addition to and, except where explicitly stated, do not supersede, replace, or limit other similar terms in the Terms of Service. Capitalized terms not defined herein are defined in the User Agreement or elsewhere in the Terms of Service. 
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1. Overview
Thank you for your interest in becoming a Designer on the Cora B2B online marketplace, accessible through its websites (collectively, the “Site”) and applications (collectively, the “Application”) (together, the “Services”). Throughout these Designer Terms of Service (“Designer Terms”), the terms “Cora,” “us,” and/or “we” refer to Cora Home Inc. The terms “you” and/or “your” refer to you as a user of the Services as a Designer. These Terms, along with Cora’s Terms of Service (the “General Terms”) and Privacy Policy, govern your purchase of goods as a Designer through the Services. These Designer Terms reference and link to various Cora policies that provide additional details regarding the Services, and such policies are incorporated herein by reference and are to be treated as part of these Designer Terms. You hereby acknowledge and agree to terms and conditions the set forth below. Capitalized terms used herein but not defined shall have the meanings given to them in the General Terms. Throughout these Designer Terms, the word “include” or “including” means “including, but not limited to”.
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2. Key Definitions
“Vendor” means a seller who offers to sell and/or sells its goods to Designers and accesses online sales tools through the Services.
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“Designer” means a buyer who purchases goods through the Services for the purpose of resale.
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3. Account Registration – Retail Account
Designer AccountTo purchase goods through the Services as a Designer, you must register, be approved by Cora (“Designer Account”) and create a Designer account. We reserve the right to deactivate your account if we find that you are in breach of these Designer Terms, including in the event that you are circumventing Cora, selling products in non-Cora approved locations or on other platforms other than Cora (as further set forth in these Designer Terms).
EligibilityTo read about eligibility as a user and as a design business, please read the Eligibility Policy.
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4. Trade Accounts
To purchase goods through the Services as a Designer from a Vendor, you must be pre-approved for a Trade Account with the Vendor or submit your application for an Automatic Approval Trade Program to the Vendor at the time of purchase. 
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5. Product and Content Compliance
You acknowledge and agree that Cora is not required to determine whether the products sold on the Services, or any Content related thereto: (i) abide by Cora’s Product Guidelines and/or are not prohibited under Cora’s Product Guidelines; (ii) comply with all laws, rules and regulations, including but not limited to, safety, labeling, testing, warning, import/export, and/or other consumer protection law requirements; (iii) do not infringe upon the intellectual property, publicity or other rights of others; (iv) do not contain false, inaccurate or misleading information; (iv) are allowed to be sold from the Vendor’s jurisdiction and/or into your jurisdiction; and/or (v) are allowed to be sold by you from your jurisdiction into your client’s/customer’s jurisdiction. You agree to conduct the necessary due diligence for compliance and suitability of Vendors and their products. You hereby release Cora from any liability with respect thereto, and agree to indemnify, defend and hold Cora harmless for any claims as set forth in the Indemnification section below.
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6. Orders
Prohibition on Fulfillment Using Third Party WebsitesYou agree to not fulfill orders on third party websites, including Amazon, eBay, Facebook, Instagram, Etsy, Poshmark or any other online marketplace for items purchased through Cora.
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Right to Refuse
You acknowledge and agree that Vendors and/or Cora may refuse to complete your purchase for any reason.
InventoryCora will encourage Vendors to have sufficient inventory to sell goods to Designers. However, you acknowledge and agree that Cora does not guarantee a Vendor's inventory or that there will be enough product to sell to you. In addition, Cora will encourage Vendors to update inventory levels reported on Cora. However you acknowledge and agree that Cora does not guarantee a Vendor’s reported inventory levels. 
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Swatches and SamplesVendors may sell or give away swatches and samples. Please note that in the event you purchase swatches and samples, they may be non-returnable and non-refundable.
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No Circumvention
You acknowledge and agree that you will place all orders for a Vendor's product through the Services for any Vendor that you are first introduced to through the Services. You acknowledge and agree that you will not influence Vendors, or otherwise circumvent Cora’s process or the Services, by transacting orders with Vendors you were introduced to through the Services outside of the Services. Failure to comply with this provision may result in temporary suspension or permanent termination of your Designer Account and your ability to purchase products on Cora in the future.
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Shipping Address and Drop Shipping
You agree to provide a valid, physical address to receive the product that you order through the Services. Cora does not offer shipping services directly, nor handles customer success for shipping. Shipping is provided via the Vendor’s shipping accounts or via your choice of freight shipment, as the Vendor allows. Designers are also not allowed to forward purchased products to overseas locations, whether through mail forwarding services or otherwise.
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Taxes
You acknowledge and agree that you are solely responsible for the collection and remittance of any taxes, including sales taxes, as well as any other payments or filings required under applicable law. You hereby release Cora with respect thereto, and agree to indemnify, defend and hold Cora harmless against any and all such taxes, contributions, penalties and/or interest.
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7. Payment
To learn more about payment, please read our Payments Policy. 
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Payment MethodsTo make a purchase, you must link an approved payment method (such as a bank account or credit or debit card) with your Designer Account. By submitting payment details in conjunction with registering for a Designer Account and/or purchasing goods, you agree to pay for the goods purchased, and any applicable taxes and other fees that may accrue, and you authorize Cora and/or its affiliates to charge the payment method with the information you have supplied to Cora, and/or to credit that payment method to make any adjustments if necessary. Cora reserves the right to correct any errors in pricing. We will charge your default payment method on file in your Designer Account. If it fails, we reserve the right to charge any other payment method you have included in your Designer Account.
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Payment Processors
Cora uses third-party service providers for credit card and ACH payment processing, fraud alerts, payment processing and disbursement of funds to Vendors. You acknowledge and agree that Cora may share information about you with those payment processors in order to complete the transaction.
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Payment TimingYour payment will be processed when the order is placed. If the order is unable to be manufactured, shipped or fulfilled, payment will be adjusted and/or refunded if there is a request, notification or resolution between the parties, as described below. 
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Failure to Make Payment & Payment Plan Program
You acknowledge and agree that if you fail to make timely payment for any goods you ordered through the Services, Cora may, at its option and without notice to you, demand immediate payment of all outstanding invoices, cancel or suspend orders, offset monies that may be owed to you, asset late payment penalties at the highest rate allowed by law and/or temporarily suspend or permanently terminate your Designer Account. Cora reserves the right to turn your account over to a collection agency or seek any other legal or equitable remedies available to collect any outstanding debt. You acknowledge and agree that if any payment becomes 60 days past due, and you have not otherwise opted into a payment plan program offered by Cora, Cora may at its option automatically enroll you into a 3 month payment plan, and you hereby agree to pay the total amount due in equal weekly installments over such 3 month period. Cora reserves the right to apply a fee for this service. This payment plan program is only applicable to the purchase of goods and shipping costs, and does not apply to any other services.
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8. Shipping Costs and Lead Times
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Shipping Costs
Unless the Vendor has authorized free shipping, you are responsible for and agree to pay for all shipping costs displayed on your invoice. Shipping costs will be included in your cart, checkout and order summary. Shipping costs will vary depending on the vendor, weight of the package, shipping type and where the package is being shipped from.
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Lead Times
You acknowledge that lead times vary on how long it takes for a Vendor to ship a product. Average lead times are displayed on the product page, quotes and orders page, and/or when the product is in your cart. 
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9. Returns, Refunds and Cancellations
As a designer, you acknowledge and agree to the following returns, refunds and cancellations policies: Once an order and payment has been submitted, the order cannot be canceled. Designers must contact the Vendor directly and the Vendor must initiate a refund with Cora. Each Vendor has its own policy for order cancelations. All products that are made-to-order are final sale. Once an order and payment has been submitted, the order cannot be canceled.Return request(s) must be approved prior to returning shipment. If a Vendor accepts returns for any specific product or variant, the Vendor has a right to dictate the number of days within which a product must be shipped back, any restocking fee and who covers the return shipping costs. The vendor’s policies regarding these items will be posted on the product’s detail page. The Vendor’s return policy is subject to change between the quoting date and the purchase date of the product. The policy that applies is the policy listed at the time of purchase.If pre-approved to return, the RMA/return document(s) must be included with the product(s) upon return. Returned product(s) must include all components from the order and must be sent back in the original packaging in original condition. 
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10. Damaged or Missing Items
If product(s) are visibly damaged in transit, do not accept product(s) from the carrier and please document damage(s) immediately. If product(s) arrive with any damage(s) or defect(s) that are noticed once delivery has already been accepted, please document immediately.
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If you receive a product that is damaged or the shipment includes missing items, you must report the issue within 14 days of receiving the product. You agree that if you do not timely report the issue, the product shall be deemed delivered and satisfactory.
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Cora reserves the right to accept or reject any missing or damaged report filed by a Designer in its sole reasonable discretion, including in the event Cora suspects any fraudulent activity. Cora’s decision whether to accept a damaged or missing claim to transmit to 3rd parties shall be final.
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Designers can contact Cora to report damage or missing items by emailing support@corahome.com.
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11. Cora Messenger
Designers and Vendors may contact each other directly through Cora Messenger on the Services. You agree to use Cora Messenger only for legitimate business purposes, such as asking questions about a Vendor’s products, the status of an order or to resolve business issues. You agree to not abuse Cora Messenger, to use it only as is reasonably necessary and to not use it for the purpose of harassment or other improper purposes. If you are not able to get answers to your questions or resolve issues, you may also contact Cora directly.
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12. Product Content
Limited LicenseCora displays various Content related to the products, including photographs, product descriptions, Vendor information and any other related content for sale on its Services. You are granted a limited, revocable license to use Content related to a product for the sole purpose of client presentation prior to purchase. Notwithstanding the foregoing, you agree that you will not use any such Content in any ad or media campaign, including postings, emails, ads or any other communication on Facebook, Instagram or Google, among others, without the express written consent from the owner of that Content.
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You acknowledge and agree that you are merely a licensee of the Content and that you do not own, and will not claim any ownership rights in, the Content. You further acknowledge and agree that Cora is not responsible, nor shall Cora be held liable, for any Content, and Cora makes no representation or warranty that the Content does not infringe, misappropriate or violate a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy, or contain libelous or otherwise unlawful, abusive, harassing or obscene material, or result in the violation of any applicable law or regulation.
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13. Disputes
For any disputes regarding an order or product from a Vendor, you agree to try to informally resolve the dispute directly with the Vendor using Cora Messenger. If you are not able to resolve the dispute, you may contact Cora to help resolve the issue. You agree that Cora has no duty or obligation to resolve any issue you have with a Vendor, and you hereby release Cora from any and all liability relating to any dispute you have with a Vendor.
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14. Indemnity
You agree to defend, indemnify, and hold Cora, and its parent, subsidiaries, affiliates, partners, successors, and assigns, and each of their owners, members, investors, officers, directors, employees, agents, representatives, contractors, subcontractors, licensors, service providers and third party content providers harmless from any claims, liabilities, damages, judgments, awards, losses, costs, expenses and fees (including reasonable legal and accounting fees) made by any third party due to or arising out of your violation of these Designer Terms, the General Terms and/or any law or the rights of a third party, and/or your use of or participation on the Services.
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15. Termination
If you breach any of these Designer Terms, Cora will have the right to temporarily suspend or permanently terminate your Designer Account, these Designer Terms and/or the General Terms in its sole discretion and without prior notice to you. Cora reserves the right to revoke your access to and use of the Services at any time, with or without cause. In the event Cora terminates these Designer Terms, your Designer Account and/or the General Terms due to your breach, you will remain liable for all amounts due hereunder.
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You may terminate your relationship with Cora at any time by contacting Cora’s support team at support@corahome.com. Cora will close your Designer Account once there has been an accounting of all monies due and owing.

Eligibility Policy

Last Updated: Nov 23, 2020
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This eligibility policy for joining Cora (“Eligibility Policy”) defines the terms and conditions under which Cora offers and you agree to use Cora’s service, as described in these terms (“Eligibility Policy”), and are part of and incorporate by reference the Cora User Agreement and other Terms of Service. The Eligibility Policy in addition to and, except where explicitly stated, do not supersede, replace, or limit other similar terms in the Terms of Service. Capitalized terms not defined herein are defined in the User Agreement or elsewhere in the Terms of Service. 
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1. Overview
Cora is a B2B service and is not open to the public. In order to join Cora and use its Services, users must apply to and be approved or be invited to join Cora in conjunction with a Design Firm or Vendor meets the following requirements below. 
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2. Business Eligibility
All businesses (Design Firms and Vendors) who apply must have a legal, valid business entity and bank account based in the United States. 
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3. User Eligibility
All users who wish to enter into a trade account agreement together must be at least 18 years old and own, be employed by or be contracted by a design firm or vendor company that meets the following criteria. 
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4. Design Firm Eligibility
Designers must own or be employed by a registered design, architectural or construction business with a valid federal employment identification number or state resale number AND demonstrate previous or current work as an interior designer, architect or builder/construction company via portfolio, references, social media account history and/or photography.
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5. Vendor Eligibility
Vendors must hold a valid business license and sell furnishings and/or construction products to the trade (interior designers, commercial designers, architects, builders, or contractors), at lower pricing than retail pricing offered only to members of the trade. In addition, vendors must be originating designers of their products and not be a reseller and/or aggregator of products from other vendors who originally designed the products. 
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6. Vendor Type Eligibility
To qualify for different commission levels as a vendor, your business will meet one of these definitions. Your business’ vendor type is at the sole discretion of Cora. 
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Trade-Only: A trade-only vendor is defined as a brand that only sells to members of the trade (i.e. interior designers, architects and contractors) at net or wholesale pricing. Trade-only vendors must not sell their core product offering to the public.
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Trade-Focused: A trade-focused vendor is defined as a brand that is primarily focused on selling to members of the trade at net or wholesale pricing, but also sells 100% of their product offering to the public online at retail pricing.
Retailer: A retailer vendor is defined as a brand that sells primarily to consumers at retail pricing and has a discount only for members of the trade (i.e. interior designers, architects, and contractors). 

Product Guidelines

Last Updated: Nov 23, 2020
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These Product Guidelines (“Product Guidelines”) define the terms and conditions under which Cora offers and you agree to use Cora’s service, as described in these terms (“Product Guidelines”), and are part of and incorporate by reference the Cora User Agreement and other Terms of Service. The Product Guidelines are in addition to and, except where explicitly stated, do not supersede, replace, or limit other similar terms in the Terms of Service. Capitalized terms not defined herein are defined in the User Agreement or elsewhere in the Terms of Service. 

1. Product Compliance‍
It is your responsibility to ensure that all products and related content that you make available on the Cora marketplace meets these requirements set forth in these Product Guidelines. Cora reserves the right to update these Product Guidelines from time to time, so please check back periodically for changes. 
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Throughout these Product Guidelines, the word “include” or “including” means “including, but not limited to”. Capitalized terms used herein but not defined shall have the meanings given to them in the General Terms, Vendor Terms and/or Designer Terms, as applicable, and the terms and conditions of all of the foregoing are incorporated herein by reference. 
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You acknowledge and agree to:abide by these Product Guidelines, Cora’s Terms of Service, Cora’s Vendor Terms (if you are a Vendor) and Cora’s Designer Terms (if you are a Designer);comply with all applicable laws, rules and regulations, including safety, labeling, testing, warning, import, export, regional certifications and all other applicable consumer protection law requirements;only sell products of which your company designed (not sell other companies’ products of their original design); not infringe upon the intellectual property, publicity or other rights of any third parties;not provide any false, inaccurate or misleading information about your products; andensure that the products you sell are allowed to be sold from your jurisdiction and into a Designer’s jurisdiction. 
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You acknowledge and agree that Cora is not responsible for determining whether you meet the above requirements, and you hereby release Cora from any liability with respect thereto. Your compliance with the foregoing requirement is a material condition of your participation as a Seller on the Cora marketplace.

2. Prohibited Products
Cora does not allow any of the following products on the Cora marketplace:
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Counterfeit products or products that you do not have the right to sell (e.g., products that you do not make or that are not under your Vendor)Firearms / firearm ammunitionWeapons, including knives, explosives and related itemsProducts containing any amount of alcoholProducts containing any amount of drugs, including prescription, legal or illegal drugsAny products that contain Cannabidiol (CBD) or Tetrahydrocannabinol (THC)Drug paraphernaliaCigarettes, cigars, tobacco, electronic cigarettes, vape sticks or pens, hookah pipes and other smoking paraphernaliaAny hazardous, toxic, flammable, biohazardous, unsafe or dangerous productsAny recalled productsDietary supplementsChildren’s car seats or harnessesPornography, including images, videos or other offensive materialsProducts that are offensive or promote, incite or glorify hate or violence towards any person or groupCulturally insensitive productsProducts related to terrorist organizationsConfederate flag merchandiseGift cardsCurrency, coins, cash equivalents, Bitcoin or other similar digital currencyStampsGambling or lottery related itemsAny perishable foods, including meat, fish, vegetables, fruits and dairy productsAny products containing asbestos or flame-retardant chemicalsCounterfeit goodsAny other products that Cora determines in its discretion to be inappropriate for availability on the Cora marketplace.
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3. Compliance with Laws
Vendors are responsible for being familiar with and complying with all applicable laws, rules and regulations relevant to the products they make available through Cora (whether international, federal, state, local or otherwise). This includes the following (but please note this list is not exhaustive and it is your responsibility to know what laws, rules and regulations apply to you):
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Packaging and product labeling laws“Made in America” lawsEco-friendly lawsPlastic bag warning labels and lawsCalifornia’s Prop 65 (the Safe Drinking Water and Toxic Enforcement Act of 1986)California’s Compliance with Metal Containing Jewelry law
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4. Recalled Products
Vendors agree to immediately inform Cora if any products have been recalled, giving the following information: (a) product name; (b) SKU number or other identifying number; (c) number of units sold to Designers; (d) purpose of recall; and (e) any other information necessary so that the products may be properly and quickly recalled.

5. Violation of These Product Guidelines
If you breach any of these Product Guidelines, Cora will have the right to deactivate products, temporarily suspend or permanently terminate your account in its sole discretion and without prior notice to you.

Purchase Terms

Last Updated: Nov 23, 2020
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This payments policy (“Payments Policy”) defines the terms and conditions under which Cora offers and you agree to use Cora’s service, as described in these terms (“Payments Policy”), and are part of and incorporate by reference the Cora User Agreement and other Terms of Service. This Payments Policy is in addition to and, except where explicitly stated, do not supersede, replace, or limit other similar terms in the Terms of Service. Capitalized terms not defined herein are defined in the User Agreement or elsewhere in the Terms of Service. 
Cora Payments allows Designers and Vendors to use various forms of payments on CoraHome.com and other services. Cora Payments users can pay with and accept payment by credit card, debit card, Cora Credit, some bank transfer services - all in USD. This policy explains all of your rights and obligations when using Cora Payments.
This policy is a part of our Terms of Service. By using Cora Payments, you’re agreeing to this policy and our full Terms of Service.
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1. Accepting These Terms
The Cora Payments Policy (or the “Policy”) sets out your rights and responsibilities when you use Cora Payments on Cora’s Services (we’ll refer to CoraHome.com and other services as our “Services”), so please read it carefully. By using Cora Payments, you’re agreeing to the Policy.
The Policy is a legally binding contract between you and Cora Home Inc “Cora.” 
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2. Overview
Cora Payments allows Vendors to (a) accept payment by authorized credit and debit card transactions, some bank transfers services (b) have those funds credited to a Vendor’s payment account with Cora, and (c) have those funds deposited into a Vendor’s designated bank account. Cora reserves the right to add or remove payment methods accepted by Cora Payments in its sole discretion, with notice where required by applicable law.
Cora Payments is only available to Vendors and Designers who meet our Eligibility Policy requirements. 
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Vendors may only use Cora Payments for the sale of items listed on Cora’s Services, and agree to ship sold items once a payment transaction is complete and reflected in their payment account. Cora reserves the right to terminate a Vendor’s access to Cora Payments if the Vendor uses Cora Payments in any other manner.
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Designers may authorize a payment with any major credit or debit card accepted by Cora, with Cora Credits, or by certain bank transfer services. 
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Designers and Vendors benefit from Cora having visibility into payments made on Cora via Cora Payments, because it can make the Services easy to use and enables Cora to more effectively provide support to Vendors or Designers where relevant. It also can help reduce fraud and other types of misuse of the Cora platform.
Cora Credits are provided to Designers and Vendors in their Payment Accounts, distributed to their company, by Cora (a) as a reward for successfully inviting a Vendor or Designer to complete a specific task on Cora’s Services or (b) as compensation or refund for a payment dispute or request. Cora Credits are valid for 12 months from the date of issuance. 
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3. Third-Party Services
Cora has engaged third-party service providers to perform many of the services related to payment processing, including card processing, disbursements, identity verification, fraud analysis, and regulatory compliance.
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Cora partners with Stripe, Plaid and other licensed payment providers to facilitate card payments and other payments and the disbursement of funds to Vendors. The provider and processing time for your payment will vary based on the country in which you're located and individual bank. If there are insufficient funds in your bank account when our provider processes the payment for your purchase, Cora reserves the right to contact you directly and to seek payment. 
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Cora may share your personal or transactional information with those third-party service providers for purposes related to payments processing.
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By using a third-party service such as Stripe or Plaid, you may also be subject to an agreement with the third party. If Cora receives notice that your account's content or activity violates a third party's service agreement, we may at our sole discretion take action against your account to comply with their policies. Such actions may include canceling a transaction, disabling listings from your account, suspending or terminating your selling privileges, or removing certain payment methods.
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4. Cora’s Rights and Responsibilities
Cora Payments functionality may be made available, modified, or discontinued by us at any time without notice and is subject to the limitations in Cora’s Terms of Use.
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As a security measure, we may impose transaction limits on Designers and Vendors. For example, we may impose limits relating to the value of any transaction, deposit, or adjustment, or limits relating to the cumulative value of all transactions, deposits, or adjustments during a period of time. We may also impose limits related to the number of transactions per day or other period of time. We will not be liable to a Vendor: (a) if we do not proceed with a transaction, deposit, or adjustment that would exceed any limit established by us, or (b) if we permit a Designer to withdraw from a transaction.
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Cora may refuse service of Cora Payments to anyone, for any reason, at any time.
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Cora reserves the right to decline or refund transactions that we believe to be high risk, fraudulent, in violation of trade sanctions, or otherwise in violation of Cora’s Terms of Service.
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In the event that a Designer does not make payment for the purchase of a legitimate item sold using Cora Payments (e.g., where the Designer used a stolen or unauthorized credit card), Cora may provide limited payment protection to the Vendor.
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Cora maintains records associated with transactions on Cora Payments and does not pass any secure data, including credit card numbers or bank account information, to any Vendors. Vendors will only receive shipping information and Designer account information necessary to complete the order. Cora’s Privacy Policy and Trade Account Policy further explains how Cora handles user and design firm information transferred to Vendors during the Trade Account and ordering process. 
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Cora will send you any relevant notices regarding your use of Cora Payments.
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5. Vendor Rights and Responsibilities‍
A. Use of Cora Payments. You are required to use Cora Payments, except as otherwise determined by Cora in its sole discretion. Using Cora Payments will result in your account accepting payment through authorized credit and debit card transactions, and some bank transfer services. For you to receive payment for transactions made through Cora Payments, you must provide all required information and complete all required steps, including verifying your bank account, for compliance purposes. Without this information, Cora cannot pay you! If you do not provide Cora with this information, Cora may refuse you access to the Services until you do so.
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B. Payment Accounts. A payment account allows Vendors to track payment amounts, refunds, and fees related to transactions and Vendor services. Vendors must provide accurate personal information as requested during registration, and are responsible for maintaining and updating that information as necessary. Vendors will not impersonate any person or use any name they are not legally authorized to use. Vendors authorize us, and authorized agents, to verify their information (at registration and on occasion when using the Services) by accessing public records and obtaining credit reports about the Vendors. Cora verifies Vendors’ information in order to safeguard the integrity of the marketplace and reduce the risk of fraud, money laundering, terrorist financing, and the violation of trade sanctions.
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Payment accounts are only available to individuals who are eligible (see our Eligibility Policy) to be Vendors on Cora’s Services and who have a valid bank account and credit or debit card on file with Cora.
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C. Password and Bank Account Security. Vendors are responsible for keeping their admin passwords secure. Cora is not responsible for funds from Payment Accounts sent to unauthorized bank accounts. 
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D. Disputes. Vendors agree to resolve any disputes directly with a Designer, by using Cora Messenger, or with the assistance of the dispute management service available from Cora. In the event that a dispute is escalated to Cora’s Support Team, Cora reserves the right to issue a refund to a Designer and recoup such funds from the Vendor if a transaction is found to be in violation of Cora’s policies.
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In the event that a Designer submits a chargeback, Cora will respond to the credit card networks on behalf of the Vendor involved in the transaction; the Vendor agrees to provide any requested information to us within five calendar days of the request. Cora reserves the right to recoup funds associated with Designer chargebacks from the Vendor.
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E. Communications. We will inform Vendors of each transaction, or of other information pertaining to Cora Payments, including by email, text and/or through Cora Messenger. 
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F. Refunds. Refunds or adjustments paid by Cora to Designers for payments made through Cora Payments may be initiated by contacting the Cora support team for a period of 120 days after the purchase was made. Cora Payments does not have refund functionality after 120 days from the original purchase date. Any such funds paid by Cora to cover refunds will be deducted from the Vendor’s payment account balance. If there are insufficient funds to cover the amount of the refund, the balance will be charged to the Vendor’s card on file or added to the Vendor’s payment account. Refunds issued by Cora will be in the original form of payment, and if such payment is not available, a Cora credit will be issued.
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Cora reserves the right to refund Designers and recoup such refunded amounts from the Vendor where the Vendor has been refused service by Cora in accordance with Cora’s Terms of Service and/or, in circumstances where the Vendor has unfulfilled or overdue orders.
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Fully refunded transactions may be eligible for cancellation. 
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G. International Trade Laws. You agree that your use of Cora Payments will not involve any countries, entities, individuals, or items prohibited by sanctions, embargoes, regulations, or orders administered by the US Department of Treasury’s Office of Foreign Assets Control (“OFAC”) or other government agencies. 
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H. Information on Cardholder Charges. Please note that your bank or card provider may charge additional fees (including cross-border fees) for transactions that you make on Cora. These fees are not charged by Cora and are at the discretion of your bank. Please contact your bank for further details.
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6. Appointment of Cora as Limited Collection Agent for Vendors
Each Vendor appoints Cora as its agent for the limited purpose of receiving, holding, and settling payments to Vendor. Cora will settle payments that are actually received by Cora to each Vendor, less any amounts owed to Cora and subject to these Terms. Each Vendor agrees that a Designer payment received by Cora, on behalf of Vendor, satisfies the Designer's obligations to make payment to Vendor, regardless of whether Cora actually settles such payment to Vendor. If Cora does not settle any such payments as described in these Terms to a Vendor, such Vendor will have recourse only against Cora and not the Designer.
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7. Deposits
A. Payment Account. All funds resulting from a completed transaction will be reflected as a balance in a Vendor’s payment account. Transactions are considered complete at the later of once the payment is approved by Cora or our fraud analysis service provider. Any refunds, adjustments, or other amounts paid to Designers in connection with purchases, or for funds received since the last payment day, are also applied to the Vendor’s payment account balance.
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Funds displayed in a Vendor's payment account balance are eligible for deposit (the “Available Funds”) into a Vendor’s bank account at the end of any applicable deposit delay, reserve, or hold period as determined by the Vendor’s bank. For deposits below designated thresholds in certain markets, a deposit fee will apply. See Section 9 below for details on deposit fees. A deposit minimum also applies to deposits. Funds will only be available for deposit if they exceed the applicable deposit minimum.
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B. Country and Currency Options. Available Funds can only be deposited into bank accounts in the United States, in USD. 
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C. Scheduled Deposits. Cora currently offers two types of payout accounts for U.S.-based Vendors (international options may vary by region), at the Vendor’s choice: (1) ACH Net 30; and (2) ACH Next Day. If you choose ACH Net 30, amounts owed will be transferred to your chosen bank account 30 days from the date the shipment has been scanned by your shipping provider and is in transit. There are no fees with ACH Net 30. You acknowledge and agree that you are not entitled to any interest or other compensation associated with this type of account. If you choose ACH Next Day, you will incur a 3% processing fee that is applied to the total order, including shipping costs, which amount will be deducted from your payout amount. With ACH Next Day, amounts owed will be transferred to your chosen bank account the day after the shipment has been scanned by your shipping provider and is in transit. It is anticipated that funds for either payout account will appear within 1 to 2 business days of being processed. Cora is not responsible for any actions taken by your bank that may result in some or all of the funds not being made available to you. Cora reserves the right to suspend payouts to your bank account due to pending disputes, excessive chargebacks or refunds and/or other improper or illegal activity.

Cora will instruct our payments partners to initiate a deposit of a Vendor’s Available Funds into the Vendor’s bank account on a weekly basis, each week on Wednesday.  In this policy we'll refer to the date of disbursement as the "Payment Date." Deposits into a Vendor’s bank account will generally be credited within three (3) to five (5) business days from the date Cora initiates the deposit request. The actual timing of the deposit may depend on how quickly a Vendor’s bank processes the request.
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A disbursement will only be initiated when a payment account reaches a threshold of $100.00 USD or more. 
The Payment Date will fall on the next business day (Monday through Friday, excluding bank holidays) if the scheduled Payment Date falls on a non-business day. When a Vendor either initially provides or later changes their bank account information, the Vendor must wait at least five (5) calendar days to request a deposit into a bank account as a security precaution. The next scheduled deposit after a change to bank account information will occur on the next applicable Payment Date after a period of five (5) calendar days from the date of the requested change.
D. Holds and Delays. In some cases, deposits to a Vendor's bank accounts could be temporarily delayed by an issue at Cora, Cora’s third-party service providers, or a Vendor’s bank. We’ll do our best to communicate with any affected Vendor as soon as we can.
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If we believe that a Vendor's actions may result in Designer disputes, chargebacks, or other claims, then we may, in our sole discretion, put a hold, deposit delay, reserve on the Vendor’s payment account balance.
A hold may be put on funds associated with a particular transaction if there is a dispute or investigation related to the order, for the shorter of: (a) 120 days after the estimated delivery date, or (b) completion of any investigation regarding the Vendor’s actions.
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Deposit delays are defined as the number of days between a sale and the day the net amount from the sale becomes available for deposit, provided the payment has been completed. A deposit delay may be between 0 and 120 days. A deposit delay is applied across all transactions for a Vendor and the number of days is reflected in each Vendor’s payment account.
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A reserve is defined as a fixed percentage of a Vendor’s payment account balance (i) delayed prior to being included as part of a Vendor’s Available Funds for a period of up to 120 days or (ii) deducted from a Vendor's payment account as a reserve for a period of up to 120 days.
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If Cora places a hold, deposit delay, or reserve on a Vendor’s account, we’ll do our best to communicate with the affected Vendor as soon as we can.
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We always work hard to avoid and minimize any delays. However, please note that Cora is not obligated to refund any fees or reimburse any expenses due to holds or delayed deposits. 
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Cora is not obligated to pay interest on funds held until any disbursement is completed. 
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E. Escheatment. If Cora cannot settle funds into a Vendor’s bank account, or the Vendor is refused service by Cora under Cora’s Terms of Service, the funds will remain with Cora and the balance remains available in the Vendor’s payment account. It is the Vendor’s sole responsibility to update their bank account information to receive the funds, if applicable. If a Vendor fails to update the information to claim the funds within a certain period of time, or Cora cannot release funds to the Vendor for compliance reasons, Cora will escheat the funds to the relevant government authority as required in order to comply with applicable escheatment laws.
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8. RecoupmentA. We reserve the right, in our sole discretion, to seek reimbursement from a Vendor in any of the following circumstances: (a) we provide a refund to a Designer because a Vendor did not promptly deliver the goods or we otherwise determine that a refund is warranted in a particular circumstance, (b) we discover erroneous or duplicate transactions related to a Vendor, (c) we receive a chargeback from a Designer's credit card issuer or reversal of payment for the amount of a Designer's purchase from a Vendor, or (d) a Vendor does not act in accordance with Cora’s policies.
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B. We may obtain reimbursement of any amounts owed by a Vendor to Cora by deducting from future payments owed to the Vendor, reversing any credits to the Vendor’s payment account balance, charging the Vendor's card on file, charging the Vendor’s payment account, or seeking reimbursement from the Vendor by any other lawful means, including by using third-party collections services. You authorize us to use any or all of the foregoing methods to seek reimbursement. Cora may suspend your selling privileges at any time pending payment of your outstanding balance.
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9. Payment Processing Fees
A. Overview. Cora charges a fee (the “Payment Processing Fee”) for processing each transaction through Cora Payments, in addition to the commission percentage. The fee amount will be assessed on the gross order amount, including shipping and tax (if applicable). Payment Processing Fees will be reflected in your payment account and will be deducted from the total amount of the payment at the time the payment is considered complete. We reserve the right to modify the Payment Processing Fee at any time. For deposits below designated thresholds, a deposit fee will apply, as described below. Deposit fees are deducted from your Available Funds and reflected in your payment account at the time of your scheduled deposit. In the event of any partial or full refunds credited back to a Designer, the Payment Processing Fee and other applicable fees will be recalculated based on the adjusted sale price. The difference between the original Payment Processing Fee and the adjusted Payment Processing Fee will be applied to the refund amount being credited back to the Vendor. Other applicable fees will be refunded to the Vendor's payment account. Deposit fees will be refunded if the deposit is returned to a Vendor’s payment account.
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B. Fee Amount. Payment Processing Fees includes a % of the total sale price + flat fee per order, exclusive of any sales tax. Currently the credit card processing fee is 3% + $0.25 per transaction USD. The ACH processing fee is 1% + $0.25 per transaction USD. 
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C. Sales Tax. Design firms and vendors are responsible for reporting and remitting any sales or use taxes, if the design firm is subject to taxes, to the appropriate local and state governments. Cora will collect sales taxes from design firms, as required, to pass along for vendors to report and remit. 
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D. Interest. In the United States, Cora may earn interest (or other compensation) from the balances in our bank accounts because of the timing difference between our being paid by Designers and our paying Vendors (when our bank account is being debited to pay Available Funds in payment accounts to Vendors).
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10. Reporting Obligations
Internal Revenue Service regulations require that we file a Form 1099-K to report unadjusted annual gross sales information for Vendors located in the United States or being paid in USD in certain circumstances. 
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To comply with these regulations, Vendors who approach 150 (one hundred and fifty) transactions in a calendar year, regardless of sales volume and aggregated across his or her accounts, will be required to provide taxpayer-identification information to Cora.
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11. Termination
Cora may also terminate or suspend a Vendor’s account and therefore the use of Cora Payments at any time. 
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Upon termination, any non-disputed Available Funds will be deposited into a Vendor’s bank account. Cora reserves the right, upon termination of access to Cora Payments, to set off against any payments to be made to the Vendor, an amount determined by us to be adequate to cover any anticipated chargebacks, refunds, adjustments, or other amounts that might be paid to Designers in connection with purchases from the Vendor's payment account for a prospective 120-day period. At the end of the 120-day period following termination, we will disburse to the Vendor any amount not used to offset chargebacks, refunds, adjustments, or such other amounts paid to Designers, or seek reimbursement from the Vendor via any of the means authorized in this Policy for any additional amount required to offset chargebacks, refunds, adjustments, or other amounts paid to Designers, as applicable.

Privacy Policy

Last Updated: November 23, 2020
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The Cora team understands that you care about how your personal information is used and shared. We take your privacy very seriously. 
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Please read below to learn more about our privacy practices. By using or accessing the Services, you acknowledge that you accept the practices and policies outlined in this Privacy Policy, and you hereby consent that we will collect, use, and share your information in the following ways.
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Remember that your use of Cora’s Services is subject to the Terms of Use, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Use.
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What does this Privacy Policy cover?
This Privacy Policy applies to CoraHome.com, app.corahome.com, and all other websites, applications, products, services, and other offerings (collectively, the “Services”) owned and operated by Cora Home Inc. and our affiliates and subsidiaries (collectively, “Cora”). This Policy covers our treatment of the personal information we gather through use of our Services.
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What Information does Cora Collect?
We collect information about your use of our Services, including purchase history, items that you show interest in and specific events. We also gather various types of personal information, as explained in more detail below.
We use this information internally in connection with our Services, including to: personalize, provide, and improve our Services; allow you to set up a user account and profile; contact you and allow other users to contact you; enable fulfillment of requests for certain products and services; and analyze how you use the Services. In certain cases, we may also share some personal information with third parties, but only as described below.
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Information You Provide to Us:
We receive and store any information you knowingly provide to us. For example, if you create an account or place an order with us, we may collect personal information such as:
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Designers:
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When you register as a Designer with Cora, we will collect your first and last name, email address, design firm name and legal name, design firm website, instagram account, firm tax status, and state resale number or Federal EIN. 
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If you are accepted as a Designer on Cora, we may ask for additional information to build out your profile such as your firm’s legal name, phone number, business address, years you have been in business and firm focuses. 
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If you apply to a Vendor’s trade program through Cora or indicate you have an existing account with a Vendor, we will also collect information to facilitate that trade account, such as trade references and your urgency level in establishing the account, and any existing account contact and account number, respectively. 
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When applying to a vendor’s trade program, you authorize the submitted information, such as company tax information, tax documents and addresses, to be transferred to the receiving Vendor business in order to evaluate and process the opening of your trade account. In addition, any information updated on your business account will be available to vendors for immediate review, download and storage in Vendors’ customer data management tools. Vendors using Cora Services are required to keep your information private and secure. 
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If you are a designer with a design firm registered on Cora and you believe your information submitted to a Vendor has been shared to other parties, please note that Cora is not in a position to mediate data privacy disputes between Designers and Vendors. Because of this, we strongly encourage Designers to resolve their disputes directly with the Vendor who allegedly shared the data in question. Cora is not responsible for Vendor abuses of data given to a Vendor in our trade account application process.  
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If you place an order to purchase goods from Vendors through Cora, we will also collect information to facilitate that order, such as your shipping address and payment information.
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In some cases, we may request additional information to validate your business, such as photos of your firm, firm’s work, trade references or your social media profiles. 
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Optionally, you may choose to provide information about your existing B2B vendors to refer to Cora, such as their name, firm name, and email address.
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Vendors: 
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When you register as a Vendor with Cora, we will collect your brand name, parent company legal name, brand website, brand Instagram account, brand type (Trade-Only, Trade-Focused, Retailer), first and last name, work title, email and mobile phone. 
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If you are accepted as a Vendor for Cora, we may ask for additional information to build out your profile such as your Federal EIN, legal address, company phone, company email, an subsidiary FEIN, brand office address, brand phone, brand email (if different). 
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If you receive Designer or design firm data through Cora, you are solely responsible for keeping this data and information private and secure. Personal and business data is not to be shared, distributed, published or otherwise shared with third parties without express written permission of an authorized representative of the design firm in question and a Cora Home Inc authorized representative. 
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When you receive an order through Cora, we will collect information to facilitate that order, such as your Tax Identification Number, tax class, and bank account information so we can pay you.
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Optionally, you may choose to provide information about your existing B2B clients to refer to Cora, such as their name, firm name, and email address.

Communication with Us
We collect personal information from you when you communicate with us, for example when you request information about our services, contact our Support team, apply for a job, or register for our newsletter.
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Surveys, Sweepstakes, and Contests
We may ask you to participate in optional surveys, where you may be asked to provide personal information.
Additionally, we may conduct sweepstakes or contests where you may be asked to provide personal information. This information may be used to contact you about the sweepstakes or contest, and for other promotional and marketing purposes, as permitted by law. Additionally, note that some jurisdictions require us to publicly share information about sweepstakes and contest winners. If a joint promotional sweepstakes or contest that requires sharing with the other part(ies) involved, the who and what of your information shared will be stated in plain language within the terms of that promotion. 
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Forums and Social MediaOur Services may provide forums, blogs, social media pages, or other channels where individuals may talk about their experience using our Services, or “like” or “share” content to social media. Content provided in these channels is public and not subject to the privacy protections laid out in this Privacy Policy.
Information Collected AutomaticallyWhenever you interact with our Services, we automatically receive and record information on our server logs from your browser or device, which may include your IP address, geolocation data, device identification, the type of browser and/or device you’re using to access our Services, and the page or feature you requested.
Additionally, we, as well as third parties that provide content, advertising, or other functionality on our Services, may use cookies, pixel tags, local storage, and other technologies to collect information automatically through our Services. 
These technologies are small data files that we transfer to your browser or device that allows us to provide and enhance our Services. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of these technologies, but this may prevent you from taking advantage of some of our features.
Customer SuccessWe may use customer support service providers, including Zendesk, to assist and manage our users’ questions and to create tickets to request specific support. In order to provide help center, ticketing and chat support services to two sides of our marketplace, Cora passes our users’ email addresses and identifier tag (as a Vendor or Designer) to Zendesk to ensure users can access our Zendesk services. Zendesk does not share, publish nor distribute our user information. For more information about Zendesk security, see https://www.zendesk.com/product/zendesk-security/. 
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AnalyticsWe may use analytics service providers, including Google Analytics, Mixpanel and Hotjar, to collect information regarding visitors to our Services, such as their behavior on our Services or information about their demographic. For more information about Google Analytics, see https://www.google.com/policies/privacy/partners/. To opt out of Google Analytics, visit https://tools.google.com/dlpage/gaoptout. For more information about Mixpanel security and privacy, see https://mixpanel.com/security-privacy/. For more information about Hotjar compliance, security, legal and privacy practices and standards, see https://help.hotjar.com/hc/en-us/categories/360003405813. Only randomly-assigned customer IDs are passed, and no personally identifiable information is passed nor stored to analytics services. 
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Do-Not-TrackYour browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services (including behavioral advertising services) that you do not wish such operators to track certain of your online activities over time and across different websites. At this time, we do not respond to nor honor Do-Not-Track signals from web browsers.
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Information Collected from Third PartiesWe may collect information about you through a referral program, such as when a Cora Designer or Vendor refers one of their existing customers or partners to Cora. If you have been referred to Cora but wish to opt out of emails from us, please contact us as explained below.
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We may receive information about you from other sources, including to supplement the information we have collected about you. 
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With your explicit consent, Cora uses Plaid Technologies, Inc. ("Plaid") to gather End User's data from financial institutions. By using our Services, you grant Cora and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.
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How Does Cora Use the Personal Information It Collects?We use the information we collect about you for various business purposes as described below.
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Provide, Personalize, and Improve our ServicesAllow you to set up a user account and profileFulfill your requests for products and servicesProvide customized content, offers, or Services, including marketing content via email, social media, SMS, or other channelsCommunicate with you about your account and updates to our ServicesDetermine your order or account limitsProcess paymentsProvide advertising, analytics, and marketingProcess applications and transactionsAllow you to register for eventsFacilitate communications between you and other usersAnalyze how you use the ServicesUnderstand interest and engagement on the ServicesEngage in marketing or sales outreach

Research and develop Services
Improve and streamline our ServicesOther purposes you consent to or are notified of at the time you provide personal information
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Protect You and Our Services and Comply with the LawDetect security incidents; protect against malicious, deceptive, fraudulent, or illegal activityEnsure quality controlVerify your identity and prevent fraudDebug to identify and repair errorsEnforce our Terms and policiesAudit or other compliance activitiesComply with our legal obligations, protect your vital interest, or as may be required for the public good De-Identified and Aggregated InformationWe may use personal information to create de-identified, aggregated information such as: information about demographics, de-identified location information, information about devices used to access our Services, and de-identified, aggregate information on transactions on our Services that help our users understand and optimize sales.
Automatic Collection TechnologiesOur use of automatic collection technologies such as cookies, pixel tags, and local storage objects fall into the following general categories:Strictly Necessary: Technologies that allow you to access our Services and use our features, and tools that help us identify irregular site behavior and prevent fraudulent activity or improve security.Personalization: Technologies that help us personalize content for you, such as by making inferences about your interests based on the content you interact with on our Services, which informs future selections of content or advertising.Measurement: Technologies that collect information about your use of our Services, including measuring, understanding, and reporting on your usage of the Services.Information Storage and Access: Technologies that store information or provide access to information that is already stored on your device, such as your shopping cart.Content Selection, Delivery, and Reporting: Technologies that select and deliver content for you, and measure the effectiveness of that content, including information about what content was shown, how often or how long it was shown, when and where it was shown, and what actions, if any, you took on the content.
Third-Party WebsitesWe may offer links to third-party websites or Services, which are not controlled by us and not subject to the protections laid out in this Privacy Policy. We do not endorse nor approve any third-party website and we encourage our users to read the Privacy Policy of each service they interact with. 
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Cross-Device TrackingYour browsing activity may be tracked across different devices or Cora Services. For instance, we may match your activity on our website using your mobile device with your browsing activity on your laptop. To do this, we may match information such as your browsing patterns, geolocation, and device identifiers where it appears to be related to the same user.
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APIs and SDKsWe may use third-party APIs and software development kits (“SDKs”), which may allow third parties to collect personal information about you for various purposes, such as to conduct analytics, verify your business when you register with Cora as a Designer or Vendor, provide customized content, or otherwise streamline the Services. For more information about our use of APIs and SDKs, contact us as described below.
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Will Cora Share Any of the Personal Information It Receives?We do not rent nor sell your personal information in personally identifiable form to anyone. We have not sold personal information since the company’s inception. 
We may share your personal information with third parties as described in this section:
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When You Request That We Share Your Information: We may offer Services, features, or promotions that involve sharing your information with a third party or with other Cora users. If you request or agree to have your information shared with a third party as part of a feature or Service, we will share that information at your request.
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De-Identified Information: We may provide de-identified or aggregate information to our partners, including usage information to help our partners understand how often and in what ways people use our Services, so that they, too, can provide you with an optimal online experience. Before we share this information, we take reasonable efforts aligned with industry best practices to ensure that this information cannot identify you.
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Service Providers: We employ service providers to perform tasks on our behalf, and we need to share your information with them in order to provide products or services to you; for example, we may use a payment processing company to receive and process any credit card transactions for us. Unless we tell you differently (or unless stated otherwise in a third-party Privacy Policy referred to below), our service providers do not have any right to use the personal information we share with them beyond what is necessary to assist us.
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We currently use the following third-party services, and by using our Services, you agree to be bound by the applicable privacy policies for such third-party services:Plaid Technologies, Inc. (“Plaid”); you acknowledge and agree that the information you provide for processing by Plaid will be treated in accordance with Plaid’s Privacy Policy https://plaid.com/legal/#privacy-policy. You are hereby put on notice of, and agree to, such Privacy Policy. You expressly grant Plaid the right, power and authority to (acting on behalf of you) access and transmit the End User Data as reasonably necessary for Plaid to provide the Service to you (for purposes of this sentence only, capitalized terms have the meaning given them in Plaid’s Terms of Use https://plaid.com/legal/#terms-of-use).Stripe, Inc.; https://stripe.com/us/privacy
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User Profiles and Submissions: Certain user and business profile information, including your name, location, and image content that such user has uploaded to the Services, may be displayed to other users to facilitate user interaction within the Services or address your request for our services. Please remember that any content you upload to your public user profile, along with any personal information or content that you voluntarily disclose online in a manner other users can view (on discussion boards, in messages and chat areas, etc.) becomes publicly available, and can be collected and used by anyone. Your user name may also be displayed to other users if you send messages or comments or upload images through the Services and other users can contact you through messages. 
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Business Transfers: We may choose to buy or sell assets, and may share and/or transfer customer information in connection with the evaluation of and entry into such transactions. Also, if we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, personal information could be one of the assets transferred to or acquired by a third party.
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Protection of Company and Others: We reserve the right to access, read, preserve, and disclose any information that we reasonably believe is necessary to comply with law or court order; enforce or apply our Terms of Use and other agreements; or protect the rights, property, or safety of Company, our employees, our users, or others.
International Data Transfers: You agree that all information processed by us may be transferred, processed and stored anywhere in the world, including but not limited to the United States or other countries which may have data protection laws that are different from the laws where you reside or do business. We have taken reasonable safeguards to require that your personal information will remain protected, and we require our third-party service providers to provide appropriate safeguards as well.
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Children’s InformationAs noted in the Terms of Use, we do not knowingly collect nor solicit personal information from anyone under the age of 18. If you are under 18, please do not attempt to register for the Services or send any personal information about yourself to us. If we learn that we have collected personal information from a child under age 18, we will delete that information as quickly as possible. If you believe that a child under 18 may have provided us with personal information, please contact us as described below.
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Is Personal Information About Me Secure?You must prevent unauthorized access to your account and personal information by selecting and protecting your password appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account.
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We endeavor to protect the privacy of your account and other personal information we hold in our records, but unfortunately, we cannot guarantee complete security. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time.
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What Are My Privacy Rights and Choices?You can always opt not to disclose information to us, but keep in mind some information may be needed to register with us or to take advantage of some of our features.
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Opting Out of Communications: If you no longer wish to receive communications from us, click the unsubscribe link at the bottom of the email or follow opt-out instructions provided in other communication channels. Note you may still receive transactional emails from us.
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Opting Out of Cookies and Advertising: You may stop or restrict the placement of cookies on your device or remove them as your browser or device permits. Visit www.networkadvertising.org/managing/opt_out.asp, www.youronlinechoices.eu, www.youradchoices.ca/choices, and www.aboutads.info/choices/ to learn more about the choices available to opt out of cookies.
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Updating Your Account Information: Through your account settings, you may access, and, in some cases, edit or delete the following information you’ve provided to us:namelocationpayment informationThe information you can view, update, and delete may change as the Services change.If you have any questions about viewing or updating information we have on file about you, please contact us as described below.
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You may also have privacy rights including:Access Data: You may have the right to receive a copy of data we have about you.Request Correction of Data: You may request that we update information we have about you.Request Deletion of Data: You may request that we delete information we have about you.Request Restriction of or Object to Processing: You may have the right to opt in or opt out of certain uses of your data.
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If you would like to exercise any of these rights, please contact us as described below. We will process your request in the time and manner required by law. To protect your privacy, we may take steps to verify your identity before fulfilling your request, such as by asking you to log in to your Cora account or confirm your email address. You have the right not to receive discriminatory treatment for the exercise of your privacy rights. If you wish to designate an authorized agent to make a privacy request for you, please email us from the email address associated with your Cora account and inform us of this designation, along with the designated agent’s name and email address.
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Data RetentionWe store personal information for as long as you use our Services or as may be necessary to fulfill the purposes for which the information was collected, provide our Services, resolve disputes or establish legal defenses, enforce our Terms or other agreements, engage in audits, protect our Services, prevent fraud, comply with the law, or for legitimate business purposes.
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SecurityWe take steps to treat your information securely and make sure it is treated in accordance with this Privacy Policy. No system is 100% secure, and we cannot ensure nor warrant the security of any information you provide us.
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Will Cora Change this Privacy Policy?We’re constantly trying to improve our Services, so we may need to change this Privacy Policy from time to time as well, but we will alert you to material changes by placing a notice on the https://www.CoraHome.com website, by sending you an email, and/or by some other means.
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By using the Services after any changes to the Privacy Policy have been posted, you agree to the new Privacy Policy.
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What if I have questions about this policy?If you have any questions or concerns regarding our privacy policies, please contact us at:
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Cora Home Inc.640 N LaSalle StreetSuite 460Chicago, IL 60654hello@corahome.com

IP Policy

Last Updated: Nov 23, 2020
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This Copyright & Intellectual Property Policy (“IP Policy”) defines the terms and conditions under which Cora offers and you agree to use Cora’s service, as described in this policy (“IP Policy”), and are part of and incorporate by reference the Cora User Agreement and other Terms of Service. The IP Policy is in addition to and, except where explicitly stated, do not supersede, replace, or limit other similar terms in the Terms of Service. Capitalized terms not defined herein are defined in the User Agreement or elsewhere in the Terms of Service. 

Notification of Copyright Infringement:
Cora Home Inc. (“Cora”) respects the intellectual property rights of others and expects its users to do the same.
It is Cora’s policy, in appropriate circumstances and at its discretion, to disable and/or terminate the accounts of users who repeatedly infringe or are repeatedly charged with infringing the copyrights or other intellectual property rights of others.
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In accordance with the Digital Millennium Copyright Act of 1998, the text of which may be found on the U.S. Copyright Office website at http://www.copyright.gov/legislation/dmca.pdf, Cora will respond expeditiously to claims of copyright infringement committed using the Cora and/or Cora subsidiary or affiliated websites (the “Sites”) that are reported to Cora’s Designated Agent, identified in the sample notice below.
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If you are a copyright owner, or are authorized to act on behalf of one, or authorized to act under any exclusive right under copyright, please report alleged copyright infringements taking place on or through the Sites by completing the following DMCA Notice of Alleged Infringement and delivering it to Cora’s Designated Agent. Upon receipt of the Notice as described below, Cora will take whatever action, in its sole discretion, it deems appropriate, including removal of the challenged material from the Sites.

DMCA Notice of Alleged Infringement (“Notice”)
Identify the copyrighted work that you claim has been infringed, or - if multiple copyrighted works are covered by this Notice - you may provide a representative list of the copyrighted works that you claim have been infringed.
Identify the material that you claim is infringing (or to be the subject of infringing activity) and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material, including at a minimum, if applicable, the URL of the link shown on the Site(s) where such material may be found.
Provide your mailing address, telephone number, and, if available, email address.
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Include both of the following statements in the body of the Notice:
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“I hereby state that I have a good faith belief that the disputed use of the copyrighted material is not authorized by the copyright owner, its agent, or the law (e.g., as a fair use).”
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“I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed.”
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Provide your full legal name and your electronic or physical signature.
Deliver this Notice, with all items completed, to Cora’s Designated Agent:
Much Shelist P.C.Ventures Team c/o Cora Home Inc.191 N Upper Wacker DrSuite 1800Chicago, IL 60606

Counter Notices:
One who has posted material that allegedly infringes a copyright may send Cora a counter notice pursuant to Sections 512(g)(2) and 512(g)(3) of the DMCA. When Cora receives a counter notice, Cora will reinstate the material in question in not less than 10 and not more than 14 business days after Cora receives the counter notice unless Cora first receives notice from the copyright claimant that he/she has filed a legal action to restrain the allegedly infringing activity. To provide a counter notice to Cora, please return the following form to Cora’s Designated Agent. Please note that if you provide a counter notice, in accordance with the Cora Privacy Policy located at https://www.CoraHome.com/privacy and the terms of the DMCA, the counter notice will be given to the copyright claimant.

Counter Notice
Identify the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled.
Provide your mailing address, telephone number, and, if available, email address.
Include both of the following statements in the body of the Notice:
“I hereby state under penalty of perjury that I have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.”
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“I hereby state that I consent to the jurisdiction of the Federal District Court for the judicial district in which my address is located or, if my address is outside of the United States, for any judicial district in which Cora may be found, and I will accept service of process from the complaining party who notified Cora of the alleged infringement or an agent of such person.”
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Provide your full legal name and your electronic or physical signature.
Deliver this Notice, with all items completed, to Cora’s Designated Agent:
Much Shelist P.C.Ventures Team c/o Cora Home Inc.191 N Upper Wacker DrSuite 1800Chicago, IL 60606

Notification of Claimed Trademark Infringement:
If you are a trademark owner and you believe your trademark (the “Mark”) being used on the Site by a user in a way that constitutes trademark infringement, please note that Cora is not in a position to mediate trademark disputes between users and trademark owners. Because of this, we strongly encourage trademark owners to resolve their disputes directly with the user who posted the content in question.

If you are unable to resolve your dispute directly, and you believe that the Mark is being used on the Site by a user in a way that constitutes trademark infringement, please provide Cora’s Designated Agent (specified above) with the following information:

Your full legal name and your electronic or physical signature.
Information reasonably sufficient to permit Cora to contact you or your authorized agent, including a name, mailing address, telephone number and, if available, an email address.
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Identification of the Mark(s) alleged to have been infringed, including (i) for registered Marks, a copy of each relevant federal trademark registration certificate or (ii) for common law or other Marks, evidence sufficient to establish your claimed rights in the Mark, including the nature of your use of the Mark, and the time period and geographic area in which the Mark has been used by you.
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Information reasonably sufficient to permit Cora to identify the use being challenged.
Include both of the following statements in the body of the Notice:
“I hereby state that I have not authorized the challenged use, and I have a good- faith belief that the challenged use is not authorized by law.”
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“I hereby state under penalty of perjury that all of the information in the notification is accurate and that I am the owner of the Mark, or authorized to act on behalf of the owner of the Mark.”
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Upon receipt of notification of claimed trademark infringement as described above, Cora will seek to confirm the existence of the Mark on the Sites, notify the registered user who posted the content including the Mark, and will within a reasonable time take action to remove or disable the Mark on the Sites.

One who has materials removed from the site in response to a notification of claimed trademark infringement will have the right to submit a counter-notification to Cora within 10 business days. When Cora receives a counter-notification, Cora will reinstate the material in question within a reasonable period of time after Cora receives the counter-notification. To provide a counter-notification to Cora, please return the following form to Cora’s Designated Agent. Please note that if you provide a counter-notification, in accordance with the Cora Privacy Policy located at https://www.CoraHome.com/legal/#privacy-policy the counter-notification will be given to the claimant. A counter-notification must contain the following elements:

Counter-Notification
Identify the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled.
Provide your mailing address, telephone number, and, if available, email address.
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Include both of the following statements in the body of the Notice:
“I hereby state under penalty of perjury that I have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.”
Provide your full legal name and your electronic or physical signature.
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Notification of Other Intellectual Property (“IP”) Infringement:If you believe that some other IP right of yours is being infringed by a user, please provide Cora’s Designated Agent (specified above) with the following information:
Your full legal name and your electronic or physical signature.
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Information reasonably sufficient to permit Cora to contact you or your authorized agent, including a name, mailing address, telephone number and, if available, an email address.
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Identification of the IP alleged to have been infringed, including (i) a complete description or explanation of the nature of the IP, (ii) evidence that you own the IP in the relevant jurisdiction, including copies of relevant patents, registrations, certifications or other documentary evidence of your ownership, and (iii) a showing sufficient for Cora to determine without unreasonable effort that the IP has been infringed;.
Information reasonably sufficient to permit Cora to identify the use being challenged.
Include both of the following statements in the body of the Notice:
“I hereby state that I have not authorized the challenged use, and I have a good- faith belief that the challenged use is not authorized by law.”
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“I hereby state under penalty of perjury that all of the information in the notification is accurate and that I am the owner of the IP, or authorized to act on behalf of the owner of the IP.”
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Upon receipt of notice as described above, Cora will seek to confirm the existence of the IP on the Sites, notify the user who posted the content including the IP, and take whatever action, in its sole discretion, it deems appropriate, including temporary or permanent removal of the IP from the Sites.

Cookie Policy

Last Updated: Nov 23, 2020
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This Cookie Policy (“Cookie Policy”) defines the terms and conditions under which Cora offers and you agree to use Cora’s service, as described in this policy (“Cookie Policy”), and are part of and incorporate by reference the Cora User Agreement and other Terms of Service. The Cookie Policy is in addition to and, except where explicitly stated, do not supersede, replace, or limit other similar terms in the Terms of Service. Capitalized terms not defined herein are defined in the User Agreement or elsewhere in the Terms of Service. 
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In this policy, we'll refer to CoraHome.com and App.CoraHome.com as the "Sites.” We'll refer to the Sites, Cora Messenger, Cora Payments, and our other services collectively as the "Services." Cora Home Inc. is referred to as "Cora" throughout this policy. We’ll refer to cookies and similar technologies collectively as “Cookie Technologies.”
This policy describes how Cora uses cookies on the Sites. We recommend that you also consult our Privacy Policy for additional information on how we collect and use information collected from visitors to the Sites. Your use of the Sites signifies your acceptance of this policy. We may modify this Agreement without notifying you, so please check back often for updates.
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By using the Sites, you agree that we can use the cookies described in this Cookie Policy. You can stop cookies by changing the settings in your browser (more information on how to do this is provided below).
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WHAT ARE COOKIES?
Cookies are text files, containing small amounts of information, which are downloaded to your browsing device (such as a computer or smartphone) when you visit a website. Cookies can be recognized by the website that downloaded them — or other websites that use the same cookies. This helps websites know if the browsing device has visited them before.
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WHAT ARE COOKIES USED FOR?
Cookies do lots of different jobs, like helping us understand how the Site is being used, letting you navigate between pages efficiently, remembering your preferences, and generally improving your browsing experience. Cookies can also help ensure marketing you see online is more relevant to you and your interests.
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WHAT TYPES OF COOKIES DOES CORA USE?
The type of cookies used on most websites can generally be put into one of six categories: Strictly Necessary, Performance, Functionality, Flash, Tailored Content and Targeting. In order to provide you with the best browsing experience, Cora uses all of these categories on the Sites. You can find out more about each cookie category in the sections below.
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STRICTLY NECESSARY COOKIES
These cookies are essential, as they enable you to move around the Site and use its features, such as accessing secure areas. Without these cookies, some services you have asked for such as payment submission can’t be provided.
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PERFORMANCE COOKIES
These cookies collect information about how you use the Site, for example which pages you go to most often and if you get error messages from certain pages. These cookies don’t gather information that identifies you. All information these cookies collect is anonymous and is only used to improve how the Site works.
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FUNCTIONALITY COOKIES
These cookies allow the Site to remember choices you make (such as your user name, language or the region you’re in). For instance, the Site uses functionality cookies to remember your language preference. These cookies can also be used to remember changes you’ve made to text size, font and other parts of pages that you can customize. They may also be used to provide services you’ve asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymous and they cannot track your browsing activity on other websites.
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TAILORED CONTENT COOKIES
Tailored content cookies help the Site provide enhanced features and display content in a way that is relevant to you. These cookies help the Site determine what information to show you based on how you have used the Site previously. These cookies do not track your browsing activity on other websites.
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TARGETING COOKIES
These cookies are used to deliver advertisements that are more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of an advertising campaign. They remember that you have visited a website and this information may be shared with other organizations such as advertisers. This means after you have been to the Site you may see some advertisements about our services elsewhere on the Internet.
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HOW LONG WILL COOKIES STAY ON MY BROWSING DEVICE?
The length of time a cookie will stay on your browsing device depends on whether it is a “persistent” or “session” cookie. Session cookies will only stay on your device until you stop browsing. Persistent cookies stay on your browsing device until they expire or are deleted.
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FIRST AND THIRD PARTY COOKIES
First party cookies are cookies that belong to us, while third party cookies are cookies that another party places on your browsing device through our Site. For example, Facebook will place a cookie on your browsing device if you click on the Facebook link when browsing the Site.
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HOW TO CONTROL AND DELETE COOKIES THROUGH YOUR BROWSER
The browser you are using to view the Site can enable, disable or delete cookies. To do this, follow the instructions provided by your browser (usually located within the “Help,” “Preferences,” “Tools” or “Edit” facility). Please note that if you set your browser to disable cookies, you may not be able to access certain parts of the Sites. Other parts of the Sites may also not work properly. You can find out more information about how to change your browser cookie settings at www.allaboutcookies.org.
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CONTACTING US
If you have any questions about this Cookie Policy, please contact us at support@corahome.com or by mail addressed to 640 N LaSalle Street, Suite 460, Chicago, IL 60654.

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