1. Acceptance of Terms
Welcome to [Company Name] (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our residential rentals fintech platform, including our website, mobile applications, and related services (collectively, the “Services”).
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.
2. Eligibility
To use our Services, you must:
- Be at least 18 years old (or the age of majority in your jurisdiction)
- Have the legal capacity to enter into a binding agreement
- Provide accurate and complete information
We may refuse service, suspend, or terminate accounts at our discretion if eligibility requirements are not met.
3. Description of Services
Our platform provides financial and property-related tools for residential rentals, including:
- Rent payment processing and financial transactions
- AI-powered tenant screening, including data analysis via open banking (with user consent)
- Rent guarantee products for landlords (subject to eligibility and underwriting)
- Property management tools for landlords
- Rental management and financial tools for tenants
- Communication and coordination features between tenants and landlords
We may modify, suspend, or discontinue any part of the Services at any time.
4. Account Registration and Security
You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Promptly notifying us of unauthorized use
We may require identity verification, including government-issued ID and financial account verification.
5. Payments and Financial Services
a. Payment Processing
We facilitate rent and related payments through third-party financial institutions and payment processors.
You authorize us to:
- Initiate transactions on your behalf
- Store and process payment information
- Charge applicable fees
b. Fees
We may charge service fees, subscription fees, or transaction fees. All fees will be disclosed prior to use.
c. Failed or Reversed Payments
You are responsible for any failed, reversed, or disputed payments, including associated costs.
6. AI Tenant Screening and Open Banking
Our platform may offer tenant screening powered by artificial intelligence and open banking data.
By using these features, you:
- Explicitly consent to the collection and analysis of your financial data
- Acknowledge that screening results are probabilistic and not guaranteed
- Agree that we are not responsible for decisions made by landlords based on screening results
We do not guarantee accuracy, completeness, or suitability of screening outputs.
7. Rent Guarantee Product
The rent guarantee product is subject to:
- Eligibility criteria and underwriting assessment
- Separate terms, conditions, and agreements
- Coverage limitations, exclusions, and claim requirements
We reserve the right to approve, deny, or revoke coverage at our discretion and in accordance with applicable agreements.
8. Property Management Features
We provide tools for landlords and tenants to manage rental properties. However:
- We are not a property manager, broker, or agent
- We do not control, verify, or guarantee property listings or user behavior
- Users are solely responsible for their agreements and interactions
9. User Responsibilities
You agree not to:
- Provide false, misleading, or fraudulent information
- Use the Services for unlawful purposes
- Interfere with or disrupt the platform
- Attempt to gain unauthorized access to systems or data
- Circumvent security or verification processes
10. Third-Party Services
Our Services may integrate with third-party providers (e.g., banks, payment processors, data providers).
We are not responsible for:
- Third-party services, availability, or accuracy
- Any loss or damage arising from third-party interactions
Your use of third-party services is subject to their terms.
11. Privacy
Your use of the Services is also governed by our Privacy Policy, which explains how we collect and use your information.
12. Intellectual Property
All content, software, and materials provided through the Services are owned by or licensed to [Company Name] and are protected by intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to use the Services for personal or internal business purposes.
13. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
To the fullest extent permitted by law, we disclaim all warranties, including:
- Merchantability
- Fitness for a particular purpose
- Non-infringement
We do not guarantee:
- Continuous or error-free operation
- Accuracy of AI outputs or financial data
- Availability of any feature
14. Limitation of Liability
To the maximum extent permitted by law:
- We are not liable for indirect, incidental, special, or consequential damages
- Our total liability is limited to the amount you paid us in the past 12 months (or a minimum statutory amount where required)
15. Indemnification
You agree to indemnify and hold harmless [Company Name] and its affiliates from any claims, damages, liabilities, and expenses arising from:
- Your use of the Services
- Your violation of these Terms
- Your interactions with other users
16. Termination
We may suspend or terminate your access to the Services at any time, with or without notice, if:
- You violate these Terms
- We suspect fraudulent or unlawful activity
- Required by law or regulatory authorities
You may terminate your account at any time.
17. Governing Law
These Terms are governed by the laws of [Jurisdiction], without regard to conflict of law principles.
18. Changes to Terms
We may update these Terms from time to time. We will notify you of material changes by:
- Posting updated Terms
- Updating the “Last Updated” date
- Providing additional notice where required
Continued use of the Services constitutes acceptance of the updated Terms.