Last updated: July 4, 2026
These Terms of Service ("Terms") govern your use of the Your Car, Your Choice mobile application (the "App"), operated by Ray Consumer Labs ("we," "us," or "our"), a subsidiary of Ray Consumer Group. By creating an account or using the App, you agree to these Terms. If you do not agree, do not use the App.
The App is a marketplace that connects customers seeking automotive repair services with independent mechanics. We facilitate introductions, the bidding process, and payment between customers and mechanics. We are not a mechanic, we do not perform repairs, and we are not a party to the service agreement between a customer and a mechanic. Mechanics are independent third parties, not our employees or agents.
You must be at least 18 years old and able to form a binding contract to use the App. You are responsible for the accuracy of your account information and for activity under your account. You may delete your account at any time within the App, subject to the completion of any active jobs or disputes.
Payments are processed by Stripe, Inc. When a customer accepts a bid, the payment is authorized and may be held before it is captured. Funds are released to the mechanic upon completion, subject to these Terms and to any dispute. By using the App you also agree to Stripe's applicable terms. You authorize us and Stripe to process payments, holds, captures, payouts, refunds, and reversals as described here.
The price for a job is the amount agreed in the accepted bid, subject to any later adjustment expressly agreed between the parties. You are responsible for any applicable taxes on your own transactions.
If a customer or mechanic believes something has gone wrong with a job, they may report the problem through the App. We may, at our discretion, review a reported dispute and determine an outcome, which may include: releasing the full payment to the mechanic, refunding the customer, or splitting the payment between the parties. Our determination of a dispute outcome is final as between the parties with respect to funds held through the App. This does not limit any rights you may have directly against the other party outside the App. We are not obligated to mediate every dispute and are not liable for the underlying dispute between a customer and a mechanic.
Refunds, chargebacks, and reversals are handled through Stripe and according to the dispute outcome. Where a mechanic has already withdrawn funds, a reversal may not be recoverable from that mechanic's balance; such situations are handled on a case-by-case basis. You agree not to initiate a payment card chargeback for a matter that is subject to the App's dispute process without first using that process.
You agree not to: use the App for unlawful purposes; misrepresent your identity or qualifications; circumvent the App's payment system to avoid fees; harass, defraud, or harm other users; or interfere with the operation or security of the App.
We may introduce advertising in the App in the future. Your use of any advertised third-party product or service is at your own risk and subject to that third party's terms.
The App is provided "as is" and "as available" without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant the quality, safety, legality, or outcome of any repair, mechanic, or customer. We do not guarantee uninterrupted or error-free operation.
To the fullest extent permitted by law, Ray Consumer Labs and Ray Consumer Group will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any damages arising from the acts or omissions of a customer or mechanic, or from any repair performed or not performed. Our total liability for any claim relating to the App or a transaction will not exceed the amount of fees we retained on that transaction.
You agree to indemnify and hold harmless Ray Consumer Labs and Ray Consumer Group from claims arising out of your use of the App, your services or transactions, or your violation of these Terms or of any law or third-party right.
We may suspend or terminate your access to the App at any time if you violate these Terms or if we reasonably believe your use poses a risk to other users or to us. You may stop using the App and delete your account at any time.
We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date and, where appropriate, by notice within the App. Continued use after changes take effect constitutes acceptance.
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. [Optional: specify venue / arbitration if you adopt one.]
Questions about these Terms: rayconsumergroup@gmail.com.