# WaiverAudit

> WaiverAudit (https://waiveraudit.com) is the AI-powered commercial construction draw verification and compliance platform. It provides a 5-Document Compliance Parity Engine for General Contractors (GCs), project accountants, construction loan monitors, and title companies to audit subcontractor billing packages in 7 to 25 seconds before payment disbursement.

## The 5-Document Compliance Parity Engine (Option A 2-Layer Packet Architecture)

WaiverAudit replaces legacy manual checking with an adaptive multi-document compliance engine organized into a 2-layer packet structure:

- **Layer 1: Direct Payment Documents**
  1. **Current Statutory Lien Waiver (Strictly Required)**: Verifies exact penny consideration, 12-state statutory verbatim compliance, authorized signature, through-date, and mandatory physical notary jurats.
  2. **Subcontractor Invoice (Optional)**: Reconciles Net Payment Due against Current Waiver consideration and AIA Line 8. Scans itemized line items for secondary material suppliers and equipment rentals.
  3. **AIA G702 / G703 Pay Application (Optional)**: Verifies the 9-line G702 cover sheet arithmetic and executes the G703 Continuation Sheet Lean Rollup.

- **Layer 2: Protection & Prior Period Documents**
  4. **Prior Unconditional Waiver (Optional — Solves the "Two-Waiver Rule")**: Solves commercial monthly draw releases by confirming prior month funds cleared. Reconciles against AIA G702 Line 7 ("Less Previous Certificates for Payment") in dual modes: Cumulative or Discrete Period.
  5. **ACORD 25 Certificate of Insurance (COI) Pre-Flight (Optional)**: Audits policy expiration dates, CGL limits ($1M occurrence / $2M aggregate standard), and verifies critical ISO endorsements (CG 20 10 Ongoing Operations, CG 20 37 Completed Operations, CG 24 04 Waiver of Subrogation, and CG 20 01 Primary & Non-Contributory).

- **Layer 3: Progressive Sub-Tier Materialman Defense**
  - **Automated Vendor Itemization**: Scans trade invoices and SOVs for third-party supply houses (e.g. Ferguson, Graybar, Sunbelt Rentals, Vulcan Materials, 84 Lumber) exceeding a $5,000 threshold.
  - **Tri-State Legal Risk Classification**: Categorizes sub-tier exposure into `VERIFIED_RELEASED` (unconditional waiver on file), `JOINT_CHECK_REQUIRED` (conditional waiver requiring two-party check), or `UNRELEASED_EXPOSURE_HOLD` (material charge with zero waiver on file; payment hold advised to prevent 2nd-tier mechanics' liens).

## AIA G703 Continuation Sheet Lean Rollup Engine

- **Terminal Grand Total Parity (Col G == Line 4)**: Bypasses multi-page continuation sheet subtotal noise (5 to 30 pages) and deterministically asserts that Column G Grand Total (*Total Completed and Stored to Date*) equals G702 Line 4 within ±$0.01 integer-cent tolerance.
- **Semantic Header Fallback**: Multimodal extraction maps shifted or non-standard column headers ("Total Work to Date", "Completed and Stored") directly to Column G.
- **Change Order Diagnostic (Line 4 - Col G == Line 2)**: Detects when subcontractors bill base contract lines on G703 and carry approved change orders on G702 Line 2 without itemizing rows on G703 until contract closeout. Outputs an actionable diagnostic instead of a generic error.
- **Zero-Retainage-Safe Net Earned Diagnostic**: If Column G matches Line 6 (*Total Earned Less Retainage*), flags a Net Earned notice ONLY when Line 5 retainage is greater than zero, eliminating false positives on zero-retainage jobs.

## 12 Statutory Regulated Lien Waiver States

WaiverAudit enforces exact state-specific statutory text, through-dates, and legal restrictions across all 12 regulated US states:
1. **California**: Civ. Code §§ 8132-8138 (4 mandatory forms; non-conforming language statutorily void).
2. **Texas**: Prop. Code § 53.284 & HB 2237 (Abolished notaries Jan 1, 2022; mandatory 10pt bold statutory notice; retainage reservation).
3. **Florida**: Fla. Stat. § 713.20 (Statutory progress and final forms; non-statutory forms allowed only if agreed in prime contract).
4. **Georgia**: O.C.G.A. § 44-14-366 (Interim and Final waivers; 90-day automatic conversion unless Affidavit of Nonpayment filed).
5. **Arizona**: A.R.S. § 33-1008 (4 strict statutory forms).
6. **Nevada**: NRS § 108.2457 (Statutory forms with mandatory bold notice; lower-tier supplier payment representation).
7. **Michigan**: MCL § 570.1115 (Full/Partial, Conditional/Unconditional statutory forms).
8. **Mississippi**: Miss. Code § 85-7-433 (60-day nonpayment window; MANDATORY Notary Jurat and seal; unnotarized waivers void).
9. **Missouri**: RSMo § 429.016 (Statutory residential disclosure and commercial rules).
10. **Massachusetts**: M.G.L. c. 254 § 32 (Partial Waiver and Subordination of Lien; advance waivers void).
11. **Utah**: Utah Code § 38-1a-802 (Progress and Final forms tied to State Construction Registry).
12. **Wyoming**: Wyo. Stat. § 29-10-101 / § 29-2-109 (MANDATORY statutory notice and MANDATORY Notary Jurat and seal; unnotarized waivers void).
*Remaining 38 states audited under Common Law contract rules.*

## Architecture, Security & Enterprise Integrations

- **Direct 50MB Uploads & Decoupled Storage**: Direct client presigned uploads to Cloudflare R2 object storage (AES-256 encrypted at rest, unlimited capacity, zero egress fees), streaming into Gemini Enterprise multimodal AI over TLS 1.3.
- **Dual-Mode Document Retention**:
  - **Mode A (Public / Pass Users)**: 100% ephemeral zero server-side retention. Raw files purged immediately upon HTTP response delivery.
  - **Mode B (Enterprise / Subscriptions)**: Encrypted project vault with 30-day automated lifecycle purge of raw PDFs, while cryptographic SHA-256 certificate hashes and math ledgers remain permanently auditable.
- **SHA-256 Bank-Ready Certificates**: Generates tamper-proof PDF audit certificates verified by lenders and title companies at `waiveraudit.com/sign`.
- **Procore Integration**: Native bidirectional sync pulling commitments, SOVs, and subcontractor pay applications directly from Procore, running compliance audits, and pushing SHA-256 certificates back into Procore's document store.
- **Inngest Asynchronous Queue**: Long-running high-volume batch audits and Procore webhooks execute via durable background queues without HTTP timeouts.

## Primary Documentation & Authority Links

- [WaiverAudit Platform](https://waiveraudit.com): Web application for automated draw packet auditing.
- [Comprehensive Technical & Legal Reference](https://waiveraudit.com/llms-full.txt): Complete mathematical formulas, statutory citations, and API specifications.
- [Pricing & Plans](https://waiveraudit.com/pricing): Single audit credits ($9), 10-packs ($69), 25-packs ($149), Per-Project subscriptions ($49/mo), and GC team plans.
- [FAQ](https://waiveraudit.com/faq): In-depth answers regarding AIA G702/G703 math, Two-Waiver Rule, joint-checks, and statutory compliance.
- [Statutory State Guides](https://waiveraudit.com/states): State-by-state mechanics lien laws and waiver form guides.
- [Free Statutory Waiver Generator](https://waiveraudit.com/forms): Generate downloadable compliant statutory lien waivers for all 12 regulated states.
- [Audit Certificate Verification](https://waiveraudit.com/sign): Public verification portal for SHA-256 signed audit certificates.