Terms of Service

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

1. Company Information

Company: Nopona Rent Management Solutions Inc.

Phone: (888) 791-7006

Email: support@nopona.com

2. Nature of Services

Nopona verifies the rent you already pay to your landlord and, where you turn reporting on, furnishes your on time payments to all three credit bureaus at no cost to you. Nopona does not collect, hold, transmit or disburse your rent. You pay your landlord directly, using whatever method you and the property already use. The record is dated at every stop: logged, paid, verified, reported, with a downloadable proof of verification. Everything starts with an address check that tells you whether your building is in network before you sign up for anything.

Where a building elects a reward budget, the building applies Rent Credit to your account with the property. Every reward names its funder on the reward itself: the building where the owner elects a reward budget, or the merchant for neighbourhood offers. 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. Verification and the Reporting Guarantee

You authorize us to access read only records that evidence your rent payments, including a read only connection to the bank account you pay from, documents you upload, and confirmations from your property. We use those records only to verify that a payment was made and when. Each stop on the record is dated and shown to you. You remain solely responsible for paying your rent on time and in full. Nopona does not make, schedule, guarantee or intercede in that payment, and a lapse in the service does not excuse a rent obligation.

Our reporting guarantee is a published policy, not goodwill: if we verify an on time payment and fail to furnish it to a bureau in the cycle it belongs to, we refile the record with all three bureaus at our cost and credit you a year of Membership. The guarantee does not cover a payment you did not make, a month we could not verify because the supporting records were not available, or a scoring or lending decision, which belongs to the bureaus and lenders.

5. Rent Reporting

Where you turn reporting on, we furnish your on time rent payments to Experian, Equifax and TransUnion, free. We report on time payments only: never a late one, never a missed one. We furnish a payment only where we can verify it from your bank record, your lease, a property confirmation or documentation you supply. Back reporting of up to 24 months is available only where that documentation exists for the months in question; we will not furnish a month we cannot evidence. You confirm that the information you supply is accurate and relates to a lease you are party to. We investigate disputes as a furnisher must under the Fair Credit Reporting Act and will correct or delete any record we cannot substantiate. 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 by the funding building against your next month's rent on the property's own ledger. Nopona records the credit and names its funder; Nopona does not pay, hold or transfer the credit amount. It has no cash value, is not transferable, and cannot be withdrawn. Each credit names its funder. Neighbourhood offers are merchant funded and are honoured by the merchant at the point of sale, 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. Verification 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. Verification for out of network buildings, roommate split, priority support with an SLA and a higher neighbourhood rate.
• Building: $5 per occupied unit per month for owners and managers, with confirmable resident 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 report a payment you did not make, 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. The service does not move money and may not be represented as a payment service.

9. Intellectual Property and License

The software, the record, the interfaces and the site belong to Nopona Rent Management 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; Not a Payment Service; No Credit Advice

Nopona is a rent verification and consumer reporting service. It is not a bank, a money transmitter or a payment processor. Nopona does not accept, hold, transmit or disburse rent, and no rent money passes through Nopona or any account it controls. It does not provide credit repair, credit counselling or financial advice. Rent Credit is a reward recorded by Nopona and applied by the funding building; it is not a deposit, is not money held for you, and earns no interest. Membership fees are the only funds Nopona collects, and they are processed by our payment processor.

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 our SMS 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 our SMS 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

Verification uses read only bank data providers and confirmations from your property; 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 record shows 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 Rent Management Solutions Inc. is not liable for indirect, incidental, special, consequential or punitive damages. Remedies covered by the reporting guarantee are handled 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 reporting 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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