Terms of Service

These Terms of Service are an agreement between you and Nopona Housing Solutions Inc., the corporation operating nopona.com and the Nopona service. Read them before you schedule a payment. Creating an account, scheduling rent, turning on reporting or purchasing a Membership means you accept them.

1. Company Information

Company: Nopona Housing Solutions Inc.

Address: [PHYSICAL ADDRESS]

Phone: (888) 791-7006

Email: support@nopona.com

2. Nature of Services

Nopona pays your rent to your landlord by bank transfer on a tracked schedule, reports your on time payments to all three credit bureaus at no cost to you, and returns money against next month's rent as Rent Credit. The rail is dated at every stop: scheduled, debited, delivered, confirmed, with a downloadable proof of delivery. Everything starts with an address check that tells you whether your building is in network before you sign up for anything.

Every reward names its funder on the reward itself: the building where the owner elects a reward budget, or the merchant for neighbourhood cash back. Out of network rent has no funder, earns nothing, and the screen says so. We never charge a fee to earn.

3. Accounts and Eligibility

You must be at least 18 years of age, a resident of the United States, and party to the lease you pay. You authorize us to verify the lease details you provide. You are responsible for keeping your login confidential and for activity under your account.

4. Payments, the Rail and the Payment Guarantee

You authorize scheduled bank debits for the rent amounts you set, delivered to your property by bank transfer, with a cheque rail fallback where a property requires it. Each stop on the rail is dated and shown to you. You are responsible for keeping enough funds available on the debit date; failed debits can pause the schedule and reporting until resolved.

Our payment guarantee is a published policy, not goodwill: if a late, NSF or overdraft fee results from our failure after a properly funded and scheduled payment, we pay that fee under the stated remedy in the policy. The guarantee does not cover fees caused by insufficient funds, incorrect payee details you provided, or a payment you cancelled.

5. Rent Reporting

Where you turn reporting on, we furnish your on time rent payments to Experian, Equifax and TransUnion, free, including up to 24 months of back reporting where documentation supports it. We report on time payments only: never a late one, never a missed one. You can switch reporting off from the same screen, in one tap, at any time. Reporting outcomes, including any effect on your credit scores, are determined by the bureaus and lenders, not by us.

6. Rent Credit and Rewards

Rent Credit is dollar denominated, does not expire, and is applied automatically against your next month's rent. It has no cash value, is not transferable, and cannot be withdrawn. Each credit names its funder. Neighbourhood cash back offers are merchant funded, shown with their rates and distance, and can change as merchants join or leave. If your building stops electing a reward budget, building funded rewards stop with it, and the app says so.

7. Membership, Billing, Renewal and Cancellation

Nopona is offered on the following plans, billed through our payment processor:

• Free: $0 for every renter. Rent by transfer with no fee, three bureau reporting, 24 months back reported, owner funded Rent Credit and neighbourhood cash back.
• Membership: $39 a year, or $4.99 a month. No out of network payment fee, roommate split, priority support with an SLA and a higher neighbourhood rate.
• Card: $0 annual fee, planned for V2, with flat rate Rent Credit on spend, elevated at partner merchants and deliberately zero on housing. Card terms will be provided by the issuing partner at launch.
• Building: $5 per occupied unit per month for owners and managers, with portfolio payment status, a delinquency view, a reward budget with a kill switch and resident enrolment. Building plans are invoiced as agreed in the order form.

Memberships renew automatically at the end of each billing period until you cancel. Cancel any time from account settings or by contacting us; cancellation stops the next renewal and takes effect at the end of the paid period. Except where the law requires a refund, paid periods are non refundable once begun. Billing errors are reviewed and corrected on contact.

8. Acceptable Use

You agree to pay only rent you actually owe under a lease you are party to, not to use the service to move money for any other purpose, not to misrepresent lease details or payment history, not to reverse engineer or scrape the service, not to attempt unauthorized access, and not to interfere with its operation.

9. Intellectual Property and License

The software, the rail, the interfaces and the site belong to Nopona Housing Solutions Inc. or its licensors. Your account grants a personal, limited, non exclusive, non transferable license to use the service for your own household, or your own portfolio on a Building plan, while your account is in good standing. No other rights are granted.

10. Not a Bank; No Credit Advice

Nopona is a payments and rewards service. It is not a bank, and it does not provide credit repair, credit counselling or financial advice. Funds in transit are handled through regulated banking partners. Rent Credit is a reward, not a deposit, and earns no interest.

11. SMS Messaging – Account Notifications

Nopona offers an SMS program that sends recurring automated account notification text messages about the subscriber's account and service to the mobile number provided at opt-in. Consent to receive these messages is not a condition of any purchase. Message frequency varies. Message and data rates may apply.

• You can cancel the SMS service at any time by texting STOP to [INSERT SHORT CODE]. After you send STOP, we will confirm your unsubscribe status by SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did the first time. If you are experiencing issues, reply HELP for assistance, or text HELP to [INSERT SHORT CODE], or contact us directly at the phone number or email in this document.
• Carriers supported include AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, Clearsky. Carriers are not liable for delayed or undelivered messages.
• No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
• Read our Privacy Policy.

12. Third-Party Services

Bank debits and transfers run through regulated payment partners; credit reporting is furnished to Experian, Equifax and TransUnion under their furnisher requirements; neighbourhood offers are fulfilled by the named merchants; payment processing for Memberships is handled by our payment processor. Third party terms are presented where they apply. We are not responsible for third party outages, though the rail records what happened and when.

13. Disclaimer of Warranties

The service is provided as is and as available. To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non infringement. We do not warrant any particular credit outcome, reward level or merchant offer.

14. Limitation of Liability

To the fullest extent permitted by law, Nopona Housing Solutions Inc. is not liable for indirect, incidental, special, consequential or punitive damages. Fees covered by the payment guarantee are paid under that policy rather than under this section. Our total liability for any other claim is limited to the greater of the amounts you paid us in the twelve months before the event giving rise to it and one hundred dollars.

15. Governing Law

These Terms are governed by the laws of the United States and the state in which the company is organized, without regard to conflict of law rules. Disputes will be brought in the courts of that state.

16. Changes to Terms

We may update these Terms as the service evolves. Material changes are posted on the site before they take effect; continued use is acceptance. The payment guarantee policy carries its own version history.

17. Contact Information

Questions about these Terms: (888) 791-7006, or support@nopona.com.

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