Agreement
1.1 Parties and scope
These terms govern RentFlow when accepted as part of the agreement between Azyba (“we”) and the identified customer (“you”). The agreement identifies the approved residential unit, tenant, rent, service dates, fees, purchase price, limits and deadlines. You must own the rent receivable or have authority to represent its owner. Unless expressly approved otherwise, the customer must be a valid business entity acting for business purposes.
1.2 Contract documents
Your accepted property-specific agreement prevails over conflicting product terms; these terms prevail over the general Azyba Terms of Service for RentFlow, subject always to mandatory law. Changes require the agreement or lawful notice and acceptance process; updating this page does not amend an existing agreement.
Subscription
2.1 Credit requirements
The renter must have a credit score of at least 650; Prime pricing requires at least 750. Supply accurate credit information and any supporting report reasonably required for verification, with lawful consent. A score alone does not approve a unit. Any additional screening conditions must be disclosed before acceptance.
2.2 Enrollment and activation
Submit the unit and tenant details, lawful signed lease, rent amount, payment history and any requested identity or authority evidence. Disclose existing arrears, disputes and competing rights to the rent. Protection starts only after review, acceptance of the final agreement, the required paid subscription, payee verification and Azyba’s final activation approval. A quote or subscription payment alone does not activate protection.
2.3 Disclosure before activation
At application and again before activation, you represent, after reasonable inquiry of your rent records and managing agents, that no rent is outstanding and that you have no knowledge of an existing default, a stated intention not to pay, or an arrangement to defer or stop rent payments that has not been disclosed to Azyba. Disclose previous arrears, returned payments, payment plans, rent disputes and related-party arrangements relevant to the tenancy, including any change before activation. Receipt of information, collection of a fee or a credit-score result does not constitute acceptance of an excluded risk.
Pricing
3.1 Subscription price
The current standard offer is 4% of monthly rent, or 3% for an eligible Prime renter, billed monthly. For $2,000 rent, this is $80 or $60 per month before applicable taxes. The price and currency disclosed in your accepted quote control, including any expressly agreed promotion. Separate rent collection or other paid services are not included unless stated.
3.2 Purchase price and billing
RentFlow uses a receivable-purchase model. The purchase rate, discount and any subscription charges are those expressly set out in the accepted property-specific agreement. Neither a fee waiver nor a credit against the discount arises unless expressly agreed. Billing, taxes and renewal are governed by the accepted price and billing terms; price changes apply only through the agreed lawful notice and acceptance process.
Protection
4.1 Eligible rent and limits
Only lawful rent actually due and unpaid under the approved tenancy during the active service period is eligible, subject to the agreed exclusions and limits. The current offer provides up to 12 months of eligible rent; this is a maximum benefit, not an unconditional payment commitment. Partial payments, lawful credits, rent reductions and recoveries reduce the eligible balance. Billing renewal does not automatically reset the benefit limit.
4.2 Outside scope
Unless expressly included, RentFlow does not pay vacancy or future rent after the tenant’s rent obligation ends, property damage, maintenance, utilities, deposits, penalties, interest, legal fees or eviction costs. Rent due before activation and rent outside the approved service dates are excluded. The prior-arrears and known-default exclusions in section 7 also apply. A legitimate tenancy dispute is not itself fraud; lawful rent reductions and defences must be taken into account.
Payout requirements
5.1 Active agreement
The unit and tenancy must be approved and active for the claimed period, with remaining protection available.
5.2 Lawful lease
Submit the complete, legally valid lease signed by the required parties, plus amendments, identifying the premises, tenant, landlord, lawful rent and due dates. Disclose concessions, side agreements, notices and proceedings affecting the rent.
5.3 Proof of non-payment
Provide an up-to-date rent ledger, payment history, bank statement or equivalent transaction evidence, relevant tenant communications and notices, and a record of reasonable recovery efforts. Each request you submit or confirm constitutes your confirmation, after reasonable inquiry, that the stated debt is genuine, legally due, unpaid and accurately calculated, and that all material payments, credits, concessions and recoveries have been disclosed. Azyba may require relevant clarification or source records to verify eligibility and authenticity.
5.4 Banking information
Provide accurate banking details for an eligible account held or lawfully controlled by the approved payee and complete payment-provider identity and account checks. Complete the agreed assignment documents for the purchased rent receivable and any required tenant notice. Use secure document and banking workflows; never provide banking passwords. Verification of a bank account does not verify the tenancy.
Payouts
6.1 Initiation and review
Where live bank sync is available and activated for the approved tenancy, Azyba automatically initiates the payout review process when synchronized payment records identify overdue rent as unpaid. If bank sync is not activated, is interrupted or does not identify a missed payment, submit the rental period, due date, unpaid amount and supporting evidence through the RentFlow request workflow within your agreement’s deadlines. If that workflow is unavailable, promptly contact Azyba and retain proof of your attempt. Automatic initiation does not constitute approval or release of funds: you remain responsible for confirming the unpaid balance, disclosing payments and providing the required evidence. Azyba reviews the file under the agreement and payout requirements and communicates approval, partial approval, reasons for refusal or the information still required. You may correct errors and request reconsideration.
6.2 Rent advances
Azyba may provide a provisional rent advance before completion of the ordinary payout review, on the advance terms accepted by you. Each advance is allocated to an identified unit and rental period and is reconciled against rent and other amounts subsequently received for that period. An advance does not waive eligibility, documentation or fraud requirements and does not, by itself, constitute final approval of a receivable purchase.
6.3 Duplicate funds
If you or a person collecting on your behalf subsequently receive rent or another recovery for a period funded by an advance, you shall promptly notify Azyba, provide the payment details and keep the duplicate amount available for repayment. Following reconciliation and written demand, you shall repay the duplicate amount attributable to the advance, up to the outstanding advance for that period, less amounts already returned or otherwise recovered by Azyba. Partial receipts are reconciled against the outstanding advance; you may not retain both the advance and the corresponding rent. Recovery rights for a completed receivable purchase remain governed by the accepted assignment.
6.4 Authorized recovery
Azyba reserves the right to recover amounts due under the preceding clause by debiting your designated account where a valid, separately accepted payment authorization expressly covers repayment of rent advances. Before a debit, Azyba will identify the rental period, amount, calculation and collection date and give the notice required by that authorization, applicable law and payment-network rules. Bank-sync access, payout details or a subscription mandate alone do not authorize this recovery. Any debit is limited to the reconciled amount still owing; amounts already repaid or recovered must be deducted. Statutory cancellation and recourse rights remain applicable. If debit authorization is absent, revoked or the debit fails, the repayment obligation remains and you shall arrange another lawful payment method.
Fraud and exclusions
7.1 Prior arrears and known default
Rent due before activation is excluded, whether or not you knew of or disclosed the arrears. Rent arising from the continuation of a default or non-payment arrangement that you or your managing agent knew of, or would have identified through reasonable review of the rent records and tenant communications before activation, is also excluded, even if a later instalment falls due during the service period. Postponing a due date, capitalizing arrears, renewing or replacing a lease, or relabelling an old debt does not make it eligible. Disclosure alone does not extend protection.
7.2 Undisclosed arrangements
You shall not enter into, conceal or participate in an oral, written, cash or other side arrangement that misstates rent, creates or prolongs non-payment, diverts payments, or impairs the purchased receivable. Prohibited conduct includes an agreement that the tenant need not pay because RentFlow will pay, a concealed rebate or rent-free period, a kickback or sharing of a payout, a sham payment plan, or payment to another account or person to conceal receipt. Genuine lawful concessions and repayment arrangements must be recorded and promptly disclosed; any change affecting Azyba’s rights requires its prior written agreement, except where imposed by law or a competent authority.
7.3 Fabrication and collusion
No payout is due for a request founded on a fictitious tenant or tenancy, forged signature, false identity or authority, altered credit report, fabricated ledger or bank record, backdated document, inflated rent, staged default, circular payment, or collusion to manufacture a loss. You must disclose any ownership, financial or personal relationship with the tenant or payee that materially affects the tenancy’s independence or the authenticity of the claimed debt. A relationship alone does not establish fraud.
7.4 Concealed payments and duplicate recovery
You shall not claim amounts paid in cash or otherwise, waived, credited, lawfully set off, reimbursed or recovered from another source, or submit the same debt under multiple units, accounts or requests. Disclose relevant insurance, guarantees, assignments, security interests, settlements and proceedings. A pending third-party request must be disclosed; no party may receive duplicate compensation for the same amount. All amounts received after submission must be reported promptly, including after a RentFlow payout.
7.5 Verification and cooperation
You shall preserve original records and cooperate with reasonable, proportionate verification requests, including confirmation of relevant facts with the tenant, authorized agent or payment provider where legally permitted. You shall not destroy, alter, obstruct access to or withhold material evidence, or coach another person to provide false information. Azyba may pause the affected assessment or payout where reasonably necessary to investigate a documented inconsistency or suspected fraud, subject to agreed timelines and mandatory law, and will identify the information required.
7.6 Consequences and recovery
Azyba may deny an excluded or fraudulently obtained amount, terminate for material fraud or breach, and seek repayment of payouts to which you were not entitled, together with reasonable direct recovery costs only where contractually and legally recoverable. These remedies survive cancellation. Azyba will give the basis, calculation and effective date of its decision and a reasonable opportunity to correct factual errors, subject to lawful restrictions on disclosure. An innocent error or unsupported suspicion alone does not establish fraud. Remedies must remain proportionate to their contractual and legal basis and do not authorize an undisclosed debit or double recovery.
Your duties
8.1 Reasonable recovery efforts
You shall take timely, reasonable and lawful steps to recover unpaid rent and prevent avoidable loss, before and after submitting a RentFlow request. This is a continuing contractual obligation; submitting a request or receiving a payout does not excuse inaction. You shall check the payment record, contact the tenant promptly, seek an explanation and payment, follow up reasonably, and keep a dated record of communications, responses, payments and actions taken.
8.2 Notices and proceedings
Where reasonably appropriate, serve valid rent demands and statutory notices, consider a genuine repayment proposal, and take proportionate steps before the competent tribunal or court to preserve enforceable rights and deadlines. Coordinate proceedings concerning assigned rent with Azyba. You are not required to obtain an eviction or judgment before requesting a payout unless the accepted agreement expressly and lawfully requires it. Explain and document any legal stay, genuine dispute or other reason a proposed step is unlawful, futile or disproportionate.
8.3 Lawful conduct and preservation of rights
Do not harass or threaten tenants, unlawfully enter or lock them out, cut off services, seize property without authority, or disregard a tribunal order or statutory right. Do not deliberately increase the loss or compromise, release, transfer or amend rights affecting a pending or purchased receivable without Azyba’s prior written agreement, except as required by law. Azyba’s consent cannot override mandatory tenant protections.
8.4 Failure to mitigate
If you materially fail to perform these duties, Azyba may reduce or refuse the portion of a request attributable to the avoidable additional loss or actual impairment of its recovery rights, and exercise any applicable termination remedy.
8.5 Records, recoveries and information
Keep accurate records and promptly report changes to the tenancy, ownership, rent, disputes, bank details and material information. Report later payments for settled periods and account for amounts belonging to Azyba under the assignment. Tenant debit authorization is separate from your subscription and is not an eligibility condition. Share only necessary information with lawful authority; Azyba handles it under its Privacy Policy and applicable law.
Service commitments
9.1 Reporting and acknowledgment
You shall report unpaid rent promptly and comply with the reporting deadline stated in the accepted agreement. Azyba will acknowledge receipt without undue delay and identify missing information reasonably required to assess the request. An automatic bank-sync alert starts review under section 6; it does not replace any confirmation or evidence requested from you. If the reporting channel is unavailable, contact info@azyba.com promptly and retain the attempted-submission record.
9.2 Review deadline
Azyba will assess a complete request within the review period specified in the accepted agreement. The period begins when the information and evidence required under that agreement are received. Azyba will notify you of material missing items without undue delay and communicate its decision, reasons for any refusal or reduction, or a request for relevant clarification. Additional information requests must be reasonably necessary to the assessment.
9.3 Payout deadline
Azyba will initiate an approved payout within the payout period specified in the accepted agreement, once the applicable documentation, assignment and verified-payee requirements are satisfied. The payout record will identify the amount, rental period and transfer status. Initiation means the payment instruction has been released to the payment provider; receipt depends on banking processing. A provisional advance is identified separately and reconciled under section 6.
9.4 Delays and follow-up
Any suspension or extension of a review or payout period must be permitted by the accepted agreement or mandatory law. Azyba will communicate the reason, any action needed and an updated expected date without undue delay, and resume processing when the impediment is resolved. A status update does not itself amend a contractual deadline. You may request a status review or escalate a missed commitment at info@azyba.com using the agreement reference.
Cancellation
10.1 Ending service
Use the dashboard cancellation control or contact Azyba. Dashboard cancellation takes effect at the end of the paid billing period; the accepted agreement governs the corresponding end of protection, refunds and amounts already owed. A cancellation request is not a refund confirmation. Matters arising during an eligible active period remain subject to their original conditions and reporting deadlines.
10.2 Suspension and termination
Non-payment, material misrepresentation or another material breach may justify suspension or termination under the agreement and applicable law, with notice and any required opportunity to remedy. Azyba must identify the basis and effective date. Ending service does not extinguish valid accrued rights, lawful assignments, reconciliation obligations or necessary recordkeeping.
Legal and contact
11.1 Rights and disputes
General platform terms apply to matters not addressed here. A general liability limitation does not negate an expressly accepted RentFlow payment obligation or exclude liability that cannot lawfully be excluded, including intentional or gross fault where applicable. Quebec law and competent Montréal courts apply subject to mandatory jurisdiction and rights. If a provision is unenforceable, the remaining terms continue where lawful.
11.2 Notices
Contact Azyba at info@azyba.com, quoting the agreement reference. The address 135 Laurier Ave W, Ottawa, ON K1P 5J2, Canada is provided for reference only; do not send mail, documents or deliveries there.