Terms of Service

Last updated: May 14, 2026.

1. Acceptance of Terms

By accessing or using the 24/48 platform ("Platform"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Platform.

The Platform is owned and operated by J.ATCHISON Holdings LLC ("Company"). As used in these Terms, "24/48," the "Platform," and the "Company" refer collectively to J.ATCHISON Holdings LLC and its 24/48 platform. All rights, protections, disclaimers, and limitations of liability set forth in these Terms apply equally to J.ATCHISON Holdings LLC and 24/48.

2. Platform Description

24/48 is a privately owned and operated company and an independent online marketplace available to users in all fifty (50) United States. The Platform connects individuals and businesses ("Consumers") seeking services with independent service providers ("Providers") who are active or retired firefighters offering services in their personal capacity. Consumers may browse and contact Providers at no cost. Providers may list their services through a subscription plan described in Section 3 below. 24/48 does not employ Providers, does not perform services, and is not a licensed contractor in any jurisdiction.

No Government Affiliation or Endorsement. 24/48 is not affiliated with, endorsed by, sponsored by, funded by, or authorized by any fire department, public safety agency, municipal government, county government, state agency, federal agency, or any other governmental or quasi-governmental entity. The participation of active or retired firefighters as Providers on this Platform does not constitute or imply any form of departmental, municipal, or governmental approval, endorsement, or recognition of 24/48 or its services. Use of the term "firefighter" refers solely to the individual Provider's professional background and does not suggest any official connection between the Platform and any public institution.

3. Provider Subscriptions & Billing

Free Trial. New Provider accounts receive a six (6) month free trial from the date of registration. No payment method is required at signup. At the end of the trial period, a subscription is required to maintain an active listing on the Platform.

Subscription Plans. After the free trial, Providers may choose from the following monthly subscription plans:

Basic — $29/month. Standard listing, consumer contact unlocked, reviews and ratings included.
Pro — $59/month. Everything in Basic, plus featured placement above Basic listings in search results and a Pro badge on your profile and browse card.
Elite — $99/month. Everything in Pro, plus top placement across all search results and an Elite badge on your profile and browse card.

Billing Cycle. Subscriptions are billed monthly on a recurring basis. Your billing date is determined at the time you subscribe. Subscriptions renew automatically each month unless cancelled before the renewal date.

Upgrades. Upgrading to a higher tier takes effect immediately. You will be charged a prorated amount for the remainder of the current billing period.

Downgrades & Cancellations. Downgrading to a lower tier or cancelling your subscription takes effect at the end of your current billing period. Your listing remains active and at your current tier through that date. No partial-month refunds are issued.

Price Changes. 24/48 reserves the right to change subscription pricing at any time. Active subscribers will receive at least thirty (30) days' notice of a price increase before it takes effect on their account.

Lapsed Accounts. If a subscription lapses or a payment fails, your listing will be deactivated until a valid subscription is reinstated. Deactivated listings are not visible to Consumers.

4. Marketplace Only — No Employment or Agency Relationship

Providers on this Platform are independent contractors, not employees or agents of 24/48. 24/48 makes no representations regarding the quality, safety, legality, or fitness of any services performed. Any agreement for services is solely between the Consumer and the Provider.

Providers using this Platform are acting solely in their individual personal capacity and are not acting as representatives, agents, or employees of any fire department, public safety agency, municipality, or governmental entity. No Provider's participation on this Platform should be construed as an endorsement, authorization, or sponsorship by any such entity. Providers are solely responsible for ensuring that their off-duty work complies with any applicable departmental policies, employment agreements, or legal obligations governing secondary employment.

5. Account Security & Shared Devices

You are solely responsible for maintaining the confidentiality of your account credentials. If you access the Platform from a shared, public, or third-party device (such as a library computer, hotel computer, or another person's device), you must log out after each session. 24/48 implements automatic session expiration after a period of inactivity as a security measure; however:

24/48 is not liable for any unauthorized access to your account resulting from your failure to log out of a shared device.
24/48 is not liable for any loss, damage, or exposure of personal information resulting from use of a shared or unsecured device.
You agree to notify 24/48 immediately at admin@2448pros.com if you suspect unauthorized use of your account.

6. Provider Vetting Disclaimer

24/48 independently reviews documentation submitted by Providers to confirm their active or retired firefighter status. While 24/48 reviews submitted documentation in good faith, it does not independently conduct its own criminal background checks, drug screenings, or professional license verifications. Consumers are solely responsible for independently verifying a Provider's credentials, licenses, and insurance coverage before allowing any work to begin. 24/48 expressly disclaims any liability for services performed or not performed by any Provider.

Verified Badge — Platform Designation Only. The "Verified Firefighter" designation displayed on Provider profiles is a Platform-only status indicating that the Provider has submitted documentation to 24/48 representing their active or retired firefighter status. This designation is not issued, certified, recognized, or endorsed by any fire department, public safety agency, labor union, municipal government, or other governmental entity. It does not constitute a government-issued certification, professional license, or official credential of any kind. Consumers should not rely on the Verified badge as a substitute for independently confirming a Provider's qualifications, licensing, or insurance.

Provider Credential Obligation. By registering on this Platform, Providers agree to carry personal proof of their firefighter status while performing any job booked through 24/48 and to present that documentation to the Consumer upon request prior to or during the performance of any work. Failure to present credentials upon request is a violation of these Terms and may result in suspension or removal from the Platform.

7. State Licensing & Regulatory Compliance

24/48 operates as a nationwide platform and makes no representation that any Provider is licensed, bonded, or otherwise authorized to perform work in any particular state, county, or municipality. Contractor licensing requirements, trade certifications, permit obligations, and insurance minimums vary significantly by state and locality.

Providers are solely responsible for obtaining and maintaining all licenses, permits, certifications, and insurance required by the laws of the state(s) and locality(ies) in which they operate.
Consumers are solely responsible for verifying that a Provider holds any licenses or permits required by their state or local jurisdiction before work begins.
24/48 does not monitor, enforce, or guarantee compliance with any state or local licensing law and expressly disclaims any liability arising from a Provider's failure to hold required licenses or permits.

8. Consumer Insurance & Property Responsibility

Consumers are solely responsible for maintaining adequate homeowner's, renter's, or property insurance coverage. Before permitting any Provider to perform work on your property, you are strongly encouraged to:

Confirm that the Provider carries general liability insurance and, where applicable, workers' compensation insurance
Obtain a written estimate or agreement directly with the Provider outlining the scope of work, materials, and cost
Verify that your own homeowner's or property insurance policy covers damage or loss that may occur during third-party work

24/48 is not responsible for any damage, loss, theft, destruction, or injury to real property, personal property, or persons occurring before, during, or after services performed by any Provider found through this Platform. Any and all claims for property damage, workmanship defects, theft, personal injury, or financial loss must be made directly against the Provider and/or through your own insurance carrier. 24/48 shall have no obligation to mediate, arbitrate, or resolve any such dispute.

9. Disclaimer of Warranties

THE PLATFORM AND ALL CONTENT, FEATURES, AND SERVICES AVAILABLE THROUGH THE PLATFORM ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, 24/48 AND ITS PARENT COMPANY, J.ATCHISON HOLDINGS LLC, AND EACH OF THEIR RESPECTIVE OWNERS, OFFICERS, EMPLOYEES, AFFILIATES, AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

24/48 DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. 24/48 MAKES NO WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT ON THE PLATFORM, INCLUDING PROVIDER LISTINGS, REVIEWS, CREDENTIALS, SERVICE DESCRIPTIONS, OR PRICING INFORMATION. 24/48 DOES NOT WARRANT THAT ANY PROVIDER IS QUALIFIED, LICENSED, INSURED, OR FIT TO PERFORM ANY PARTICULAR SERVICE.

YOUR USE OF THE PLATFORM AND ANY SERVICES OBTAINED THROUGH IT IS ENTIRELY AT YOUR OWN RISK. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY 24/48 OR ITS REPRESENTATIVES SHALL CREATE ANY WARRANTY NOT EXPRESSLY SET FORTH IN THESE TERMS.

10. Limitation of Liability

To the fullest extent permitted by applicable law, 24/48 and its parent company, J.ATCHISON Holdings LLC, and each of their respective owners, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to:

Services performed or not performed by any Provider
Any damage, loss, theft, or destruction of real or personal property
Personal injury or death occurring on Consumer property
Defective workmanship, incomplete work, or cost overruns
Unauthorized access to your account due to use of a shared device
Any disputes between Consumers and Providers
Any errors, interruptions, or inaccuracies on the Platform

In no event shall 24/48's total liability exceed the amount paid by you to 24/48 in the twelve (12) months preceding the claim.

11. Indemnification

You agree to defend, indemnify, and hold harmless 24/48 and its parent company, J.ATCHISON Holdings LLC, and each of their respective owners, officers, directors, employees, agents, licensors, successors, and assigns (collectively, the "24/48 Parties") from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

Your access to or use of the Platform;
Your violation of these Terms of Service;
Your violation of any applicable law, regulation, or third-party right;
Any services you perform or fail to perform as a Provider;
Any false, misleading, or inaccurate information you submit to the Platform;
Any dispute between you and any other user of the Platform;
Any content, materials, or information you post, upload, or transmit through the Platform.

24/48 reserves the right to assume exclusive control of the defense of any matter subject to indemnification by you, in which case you agree to cooperate fully with 24/48 in asserting any available defense. You agree not to settle any such matter without the prior written consent of 24/48.

12. User Conduct

In addition to other restrictions in these Terms, you agree not to:

Post, upload, or transmit any content that is false, fraudulent, deceptive, misleading, defamatory, obscene, harassing, or otherwise objectionable;
Impersonate any person or entity, including any Provider, Consumer, 24/48 employee, or public official;
Falsely claim to be an active or retired firefighter or misrepresent any credential, license, certification, insurance status, or professional background;
Submit false, fabricated, or incentivized reviews or ratings of any Provider or Consumer;
Contact or solicit another user outside the Platform in order to arrange services or payment in a manner that circumvents Platform subscription fees or policies;
Harvest, scrape, or collect any data or information from the Platform through automated means, including bots, crawlers, spiders, or data mining tools;
Interfere with or disrupt the integrity, performance, or security of the Platform or its servers or networks;
Attempt to gain unauthorized access to any portion of the Platform, any other user's account, or any system or network connected to the Platform;
Use the Platform for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation;
Transmit unsolicited commercial communications or any content that promotes illegal activity;
Collect or store personal data about other users without their express consent.

24/48 reserves the right to investigate and take appropriate action against any person who, in 24/48's sole discretion, violates this Section, including removing content, suspending or terminating accounts, and referring matters to law enforcement authorities.

13. Termination

24/48 reserves the right to suspend or terminate any account at any time for violation of these Terms or for any reason at its sole discretion. Upon termination, any active subscription will be cancelled and no refund will be issued for the remaining subscription period.

14. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS AND CONTAINS A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT REQUIRE DISPUTES TO BE RESOLVED THROUGH INDIVIDUAL ARBITRATION RATHER THAN IN COURT OR BY JURY TRIAL.

(a) Agreement to Arbitrate. Except as provided in subsection (b) below, you and 24/48 agree that any dispute, claim, or controversy arising out of or relating to these Terms of Service, the Platform, your account, or any services obtained through the Platform (collectively, "Disputes") shall be resolved exclusively by final, binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (available at www.adr.org), rather than in court. This agreement to arbitrate applies to all Disputes regardless of whether they arise in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether they arose before or after the effective date of these Terms.

(b) Exceptions. Notwithstanding the above, either party may bring an individual action in small claims court if the claim qualifies and remains in small claims court. Either party may also seek emergency injunctive or equitable relief in a court of competent jurisdiction solely to prevent actual or imminent infringement, misappropriation, or violation of a party's intellectual property rights or confidential information. The existence of such a proceeding does not waive either party's right to arbitrate the underlying Dispute.

(c) Arbitration Procedure. Arbitration will be conducted by a single, neutral arbitrator. The arbitration will take place in Floyd County, Georgia, or, at your election if you are a Consumer, by telephone or videoconference. The arbitrator shall have the authority to award any remedy that would be available to an individual in a court of law, including monetary damages and injunctive relief. The arbitrator shall not have authority to award relief on a class, representative, mass, or consolidated basis. The arbitrator's decision will be final, binding, and enforceable in any court of competent jurisdiction.

(d) Arbitration Fees. Filing fees and arbitrator compensation will be allocated in accordance with the AAA's Consumer Arbitration Rules. If your claim does not exceed ten thousand dollars ($10,000), 24/48 will pay all AAA filing fees and arbitrator compensation, unless the arbitrator finds that your claim was frivolous or brought for an improper purpose. For claims exceeding $10,000, the AAA fee schedule applies.

(e) Class Action Waiver.

YOU AND 24/48 EACH AGREE THAT ANY CLAIMS MUST BE BROUGHT SOLELY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, REPRESENTATIVE ACTION, MASS ACTION, OR CONSOLIDATED PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND UNENFORCEABLE FOR ANY REASON, THEN THE ENTIRE ARBITRATION AGREEMENT IN THIS SECTION SHALL BE NULL AND VOID AND THE DISPUTE SHALL PROCEED IN COURT SUBJECT TO SECTION 15 BELOW.

(f) Opt-Out Right. You may opt out of this arbitration agreement by sending written notice to 24/48 at admin@2448pros.com within thirty (30) days of the date you first create your account or first accept these Terms, whichever is earlier. Your notice must include your full name and the email address associated with your account and must clearly state that you are opting out of the arbitration agreement. Opting out does not affect any other provision of these Terms.

(g) Severability. If any provision of this Section 14 (other than the class action waiver in subsection (e)) is found to be unenforceable, that provision shall be severed and the remaining provisions of this Section shall continue in full force and effect.

15. Governing Law & Jurisdiction

These Terms of Service and all Disputes not subject to arbitration under Section 14 shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of laws principles. Subject to the arbitration agreement in Section 14, you and 24/48 each irrevocably consent to the exclusive personal jurisdiction of the state and federal courts located in Floyd County, Georgia, for the resolution of any such Disputes. You waive any objection to the laying of venue of any such proceeding in Floyd County, Georgia, and waive any objection that such courts are an inconvenient forum.

16. Changes to These Terms

24/48 reserves the right to update these Terms at any time. Continued use of the Platform after changes are posted constitutes your acceptance of the revised Terms.

17. Contact

Questions about these Terms may be directed to admin@2448pros.com.