Tentunit Business — Payments & Rent Collection Terms

Version 1.1 (Draft — pending legal review) · Effective Date: July 11, 2026 · Applies to: Tentunit Business

1. Overview & Relationship to Other Terms

This section explains what these terms cover and how they fit with your other agreements with Tentunit: these terms control everything payments-related, and the Business Terms of Service controls everything else.

1.1 Scope of These Payment Terms

These Payments & Rent Collection Terms (the “Payment Terms”) govern the rent collection, payout, security deposit, refund, chargeback, and related payment features of Tentunit Business, operated by Tentunit, Inc., a Delaware corporation (“Tentunit,” “we,” “us,” or “our”). They apply whenever you enable, access, or use any Payment Services feature, whether through the web application, the API, or an integration acting on your behalf.

1.2 Relationship to the Business Terms of Service

These Payment Terms supplement, and form part of, the Tentunit Business Terms of Service (the “Business ToS”) between Tentunit and the landlord, property manager, or other customer that has registered a Tentunit Business account (“you” or the “Landlord”). If these Payment Terms conflict with the Business ToS on a payments-specific topic, these Payment Terms control for that topic; on all other topics, the Business ToS controls. Capitalized terms not defined here have the meanings given in the Business ToS.

1.3 Acceptance and Authority

By enabling rent collection, payouts, or security deposit features in your account, you agree to these Payment Terms on behalf of yourself and any entity you represent, and you represent that you have authority to bind that entity. Property managers further represent that they are authorized under their management agreements and applicable law to collect rent and deposits, receive payouts, and give instructions regarding tenant funds.

2. Definitions

This section defines the core terms used throughout these Payment Terms.

• “Payment Services” means the rent collection, invoicing, payout, security deposit, refund, dispute-management, and related money-movement features of Tentunit Business described in these Payment Terms, together with associated dashboards, notifications, and reporting.
• “Payout” means a transfer of settled funds — collected from tenants on your behalf, net of applicable fees, offsets, reserves, and holds — to the external bank account linked to your Connected Account.
• “Connected Account” means the Stripe Connect account created for you and associated with your Tentunit Business account, through which onboarding, verification, settlement, and Payouts are performed.
• “Tenant Payment” means any payment initiated by or on behalf of a tenant through the Payment Services, including rent, lawful late fees, Security Deposits, and other lease-related charges you have invoiced through the platform.
• “Chargeback” means a reversal, dispute, or claim initiated by a tenant through the tenant’s card issuer, bank, or payment scheme with respect to a Tenant Payment, including card network chargebacks, disputed ACH returns, and SEPA Direct Debit refund claims.
• “Security Deposit” means funds collected from a tenant through the Payment Services as a refundable deposit under a lease, held and disposed of as described in Section 12.
• “Negative Balance” means the amount by which Chargebacks, reversals, refunds, fees, and other amounts you owe under these Payment Terms exceed your available balance.
• “Business Days” means Monday through Friday, excluding public and bank holidays in the jurisdiction of the relevant payment leg. References to “business days” have the same meaning.

3. Role of Tentunit and Stripe

This section explains who does what: Tentunit operates the platform and acts as your limited collection agent, while Stripe performs the regulated processing, settlement, and payout functions.

3.1 Tentunit as Limited Payment Collection Agent

When you enable rent collection, you appoint Tentunit as your limited agent solely for the purpose of accepting payments from your tenants on your behalf (commonly, an “agent of payee” arrangement). This means that when a tenant pays Tentunit an amount you have invoiced through the platform, the tenant’s payment obligation to you is satisfied to the extent of that payment, regardless of whether or when Tentunit remits the funds to you. Your recourse for funds received by Tentunit but not remitted is against Tentunit, not the tenant, and you agree not to pursue a tenant for any amount the tenant has already paid through the Payment Services. This appointment is limited to receipt of Tenant Payments and does not make Tentunit your agent for any other purpose.

3.2 What Tentunit Is Not

Tentunit is not a bank, e-money issuer, money transmitter for general purposes, or escrow agent, and does not offer deposit accounts or pay interest on funds in transit — except that Security Deposits are held in a segregated, non-operating custodial account as described in Section 12. Payment processing, settlement, and payout services are provided by our payment processors, not by Tentunit directly. Tentunit does not extend credit, does not guarantee or insure rent, and does not provide legal, tax, or accounting advice.

3.3 Stripe Entities

Payment processing services for Tentunit Business are provided by:

• Stripe, Inc. for Landlords and tenants in the United States;
• Stripe Payments Europe, Ltd., authorized by the Central Bank of Ireland, for the European Economic Area; and
• Stripe Payments UK, Ltd., regulated by the Financial Conduct Authority, for the United Kingdom.

References to “Stripe” mean the applicable entity above for the relevant payment leg.

3.4 Stripe Connected Account Required; Flow-Down of Stripe Terms

To receive Payouts, you must create and maintain a Connected Account through Stripe Connect, which we use for Landlord onboarding and Payouts. By onboarding, you agree to the applicable Stripe Connected Account Agreement and Stripe Services Agreement, as updated by Stripe from time to time (the “Stripe Terms”). The Stripe Terms flow down to you as a condition of using the Payment Services: you must comply with them at all times and must not use the Payment Services for any business or activity prohibited or restricted under them.

3.5 Effect of Connected Account Suspension or Termination

If Stripe suspends or closes your Connected Account — for example, for a Stripe Terms violation, failed verification, or elevated risk — we may suspend the Payment Services for your account. During a suspension or after closure, new Tenant Payments may be declined or paused; pending Payouts may be delayed, held, or reversed in accordance with the Stripe Terms and applicable law; held funds remain subject to Sections 8 and 16; and your obligations, including repayment of any Negative Balance, survive. Where not prohibited by law, a regulator, or Stripe, we will explain the reason and any remediation path.

4. Onboarding & Verification (KYC/KYB)

This section describes the identity, business, sanctions, and tax verification required before you can receive payouts.

4.1 Identity and Business Verification

Before your first Payout, you must complete identity verification (KYC) and, where applicable, business verification (KYB) via Stripe Identity. This may include government-issued identification, entity formation documents, beneficial ownership information, and bank account details. You must keep submitted information accurate and promptly update it if it changes.

4.2 Enhanced Due Diligence

For higher-risk cases — including unusual payment volumes, high-risk jurisdictions, or inconsistencies in submitted information — we or Stripe may require enhanced due diligence, including additional documentation, proof of ownership or management authority, and source-of-funds information. Failure to respond within the time we reasonably specify may result in payout holds, suspension, or Connected Account closure.

4.3 Sanctions and Anti-Money-Laundering Cooperation

We and Stripe comply with applicable anti-money-laundering (“AML”) laws, U.S. OFAC sanctions, and EU and UK sanctions regimes. We may decline, suspend, or terminate service to any person or entity on an applicable sanctions list or where required by law. You agree to cooperate with our and Stripe’s AML programs: respond promptly and truthfully to requests about your identity, ownership, properties, tenants, or the source or purpose of funds; do not structure or split transactions to evade monitoring or reporting; and notify us if you suspect the Payment Services are being used for fraud, money laundering, or sanctions evasion. We may file reports with regulators and law enforcement without notice to you where the law requires or permits.

4.4 Tax Forms

You must provide a completed IRS Form W-9 (U.S. persons) or the appropriate Form W-8 (non-U.S. persons) before receiving Payouts. We may suspend Payouts if your tax information is missing, expired, or inconsistent with verification records.

4.5 Payout Holds Pending Review

We may hold Payouts pending completion of any verification or compliance review. Where legally permitted, we will notify you of a compliance-related hold within 5 business days. Notification may be withheld or delayed where disclosure is prohibited by law, would compromise an investigation, or is restricted by a regulator, card network, or Stripe.

5. Payment Authorization

This section sets out exactly what you authorize Tentunit to do with money movement on your account.

5.1 Authorizations Granted by the Landlord

By enabling the Payment Services, you authorize Tentunit (directly or through Stripe) to: (a) accept Tenant Payments on your behalf as your limited agent of payee; (b) initiate, submit, capture, settle, and reverse payment transactions for charges you configure; (c) deduct from collected funds the processing fees disclosed at checkout or in your fee schedule and any amounts you owe under these Payment Terms; (d) initiate Payouts to the bank account linked to your Connected Account; (e) hold, delay, or reverse Payouts as described in these Payment Terms; (f) process refunds and Chargeback adjustments, including debiting your balance or future Payouts for amounts resolved against you; (g) where you have separately authorized us or Stripe, debit your linked bank account to recover a Negative Balance; and (h) share your information with Stripe and other providers as described in Section 18.

5.2 Standing Nature and Revocation

These are standing authorizations that remain in effect while you use the Payment Services and, for recovery of amounts you owe, survive termination until fully settled. Disabling rent collection stops new Tenant Payments but does not revoke authorizations needed to complete in-flight transactions, process pending refunds or Chargebacks, or recover amounts owed.

5.3 Reliance on Instructions

We may rely on instructions submitted through your account credentials, API keys, or authorized users, and you are responsible for all instructions so submitted.

6. Collecting Rent

This section covers how you configure rent charges, what tenants must authorize, and the payment methods available.

6.1 Rent Schedule Configuration

You configure rent amounts, due dates, recurring schedules, late fees (where lawful), and one-time charges through the platform. You are solely responsible for ensuring every charge is accurate, authorized under the applicable lease, and lawful in the relevant jurisdiction — including statutory caps on late fees and grace-period requirements. You must promptly correct or cancel any charge configured in error.

6.2 Auto-Pay and Tenant Preauthorization

Tenants may enroll in auto-pay, authorizing recurring charges on their selected payment method. Enrollment constitutes the tenant’s preauthorization of the agreed amounts and schedule, and you must not charge a tenant outside the amounts and schedule the tenant has authorized. If you change a recurring amount or schedule (for example, at renewal), the change applies to auto-pay only once the tenant’s authorization covers it.

6.3 Auto-Pay Cancellation and Revocation Notices

Tenants may cancel auto-pay at any time through the platform and may revoke a debit authorization directly with their bank or issuer as permitted by law and scheme rules (including SEPA mandate cancellation rights). If a tenant gives you a cancellation or revocation notice outside the platform, you must promptly reflect it in your configuration and must not resubmit charges under a revoked authorization. Cancellation changes how the tenant pays, not the underlying rent obligation.

6.4 Partial Payments Not Accepted

The platform collects invoiced amounts in full; partial payments are not accepted through Tentunit Business. If you wish to accept a reduced amount, adjust the invoice before the tenant pays. In some jurisdictions accepting partial rent can affect eviction or other remedies; structuring any such arrangement is your responsibility.

6.5 Tenant Payment Methods

Tenants may pay by:

• Credit and debit cards (Visa, Mastercard, American Express, Discover);
• ACH bank debit (U.S.);
• SEPA Direct Debit (EEA); and
• Apple Pay / Google Pay.

Available methods may vary by region and by the tenant’s bank or card issuer.

7. Payouts

This section covers when payouts are initiated and when they can be delayed, held, or reversed.

7.1 Payout Timing

Subject to verification, holds, reserves, and offsets described in these Payment Terms:

• United States: rent Payouts are initiated 1–2 business days after the tenant’s payment is captured.
• EU: rent Payouts are initiated within 5 business days after the tenant’s payment is captured, with bank settlement typically taking a further 1–3 business days via SEPA.

Payout timing depends on your bank, the payment method, weekends and bank holidays, and Stripe’s settlement processes. Payout timing is a service target, not a guarantee, and is excluded from any service level agreement applicable to your subscription.

7.2 Payout Holds and Reviews

We or Stripe may delay, hold, or reverse Payouts where reasonably necessary to: complete KYC/KYB or enhanced due diligence; investigate suspected fraud, Chargebacks, or unusual activity; comply with law, court order, or sanctions obligations; or protect tenants, Tentunit, or Stripe from financial loss. Where legally permitted, we will notify you within 5 business days of placing a compliance-related hold, and we will release held funds promptly once the basis for the hold is resolved, subject to any reserve under Section 8.

7.3 Payout Destination

Payouts are made only to the verified external bank account linked to your Connected Account, in the name of the verified Landlord entity. We do not make Payouts to third parties, to cards, or in cash. Changing your linked bank account may trigger re-verification and a temporary delay.

8. Reserves & Risk Holds

This section explains when part of your funds may be held as a reserve against anticipated losses.

8.1 Establishment of Reserves

We or Stripe may establish a reserve on your Connected Account — a fixed amount, a percentage of volume, or a rolling hold for a defined period — where reasonably necessary in light of your Chargeback or reversal history, elevated fraud indicators, material changes in your business or processing pattern, pending investigations or legal process, or requirements of Stripe, a card network, or a regulator.

8.2 Administration and Release

Where legally permitted, we will notify you when a reserve is established or materially changed, including its general basis and expected duration. We review reserves periodically and reduce or release them when the underlying risk diminishes. Reserved funds remain funds collected on your behalf, are used only to satisfy amounts you owe under these Payment Terms, and any remainder is released to you.

9. Failed Payments & Late Rent

This section describes what happens when a tenant payment fails, who communicates with whom, and confirms that Tentunit neither guarantees rent nor advances funds.

9.1 Retries

Failed Tenant Payments (for example, insufficient funds, expired cards, or returned ACH or SEPA debits) are retried per Stripe’s retry schedule. We will notify you when a tenant’s payment fails and when retries are exhausted. Retries occur only within the tenant’s existing authorization and applicable scheme rules; we do not retry under a revoked authorization.

9.2 Dunning and Communication Responsibilities

The platform sends transactional notices to tenants about failed payments and upcoming retries, and surfaces payment status in your dashboard. Beyond these transactional notices, you are responsible for all dunning and collection communications with your tenants — late-rent notices, demand letters, pay-or-quit notices, and any other communication with legal effect — and for their compliance with applicable landlord-tenant, debt-collection, and consumer-protection law. Tentunit is not a debt collector and does not send collection communications on your behalf.

9.3 No Guarantee; No Advances

Tentunit does not guarantee rent and does not advance funds. A tenant’s payment is remitted to you only if and when it is successfully captured and settled. Collection of unpaid rent, late fees, and any eviction or enforcement action remain solely your responsibility and must comply with applicable landlord-tenant law.

9.4 Reversed Settlements

If a payment already paid out to you is later reversed (for example, an ACH return), the reversed amount becomes a Negative Balance handled under Section 16.

10. Chargebacks & Disputes

This section explains what happens when a tenant disputes a payment with their bank or card issuer, what it costs, and how you can contest it.

10.1 Pass-Through of Costs

If a tenant disputes a payment with their card issuer or bank (a Chargeback), the processor’s chargeback fees are passed through to the Landlord, plus a $15 administrative fee if the Chargeback is resolved against the Landlord. The disputed amount is debited from your balance (or becomes a Negative Balance) when the Chargeback is initiated, per scheme rules, and re-credited if resolved in your favor.

10.2 Evidence Procedure

We will notify you of Chargebacks and give you the opportunity to submit evidence within the evidence submission window set by the applicable card network rules. The procedure is:

1. Notification. We notify you through your dashboard and by email, identifying the transaction, the stated dispute reason, and the evidence deadline.
2. Evidence assembly. You compile responsive evidence — for example, the signed lease, the payment authorization or auto-pay enrollment record, the invoice, proof of tenancy for the period charged, and communications with the tenant — and upload it before the deadline.
3. Submission. We format and submit your evidence to the processor and the applicable network or bank on your behalf. We do not guarantee any outcome.
4. Adjudication. The card network or bank decides the dispute under its own rules; neither Tentunit nor Stripe controls the outcome or timeline.
5. Resolution. If resolved in your favor, the disputed amount is returned to your balance. If resolved against you, the disputed amount, processor pass-through fees, and the $15 administrative fee apply as described in Section 10.3.

If you do not respond within the evidence window, the Chargeback may be resolved against you by default.

10.3 Offset Rights

Amounts owed under this Section 10 — including the disputed amount, processor fees, and the $15 administrative fee — may be offset from your future Payouts or invoiced to you, at our discretion, and are otherwise recoverable under Section 16.

10.4 Excessive Disputes

Sustained or elevated Chargeback rates may result in reserves under Section 8, network- or Stripe-imposed restrictions, mandatory remediation, or suspension of the Payment Services.

11. Refunds to Tenants

This section describes how refunds work, the categories of refunds, and who bears the cost in each case.

11.1 Processing

Approved refunds are processed to the tenant within 15 business days and are always returned to the tenant’s original payment method. We cannot refund to a different card, account, or person. If the original method is closed, the processor’s lawful return path applies and may extend timing.

11.2 Landlord-Initiated Refunds

You may initiate a refund of a payment you received — for example, an overpayment or a billing error you made. Landlord-initiated refunds are deducted from your balance or offset from future Payouts; processing fees on the original transaction may not be returned by the processor. You bear the full cost of landlord-initiated refunds.

11.3 Error-Correction Refunds (Tentunit Error)

If a payment was charged incorrectly due to a Tentunit platform error, we will refund the tenant at our own cost and correct your ledger; you will not bear the fees for that refund. If the error caused funds you were not entitled to receive to be paid out, the corresponding amount is reversed from your balance or future Payouts.

11.4 Legally Required Refunds

Where a refund is required by law, scheme rules, or a binding order — for example, a SEPA Direct Debit refund under scheme rules, an unauthorized-transaction refund under payment services regulation, or a court order — we will process it as required, without your approval. Cost allocation follows the merits: if the refunded charge was one you configured and received, you bear the amount and it is recoverable under Section 16; if it arises from a Tentunit error, Section 11.3 applies.

12. Security Deposits

This section covers the full lifecycle of a security deposit — collection, custodial holding, release or deduction, and what happens if landlord and tenant disagree.

12.1 Collection

Security Deposits are collected through the Payment Services as Tenant Payments designated as deposits. You are responsible for ensuring the amount and timing comply with the lease and applicable law, including statutory caps and receipt or disclosure requirements.

12.2 Custodial Holding

Security Deposits collected through the platform are held in a segregated, non-operating custodial account, separate from Tentunit’s operating funds. Security Deposit funds are not used for Tentunit’s corporate purposes and are not Payouts to you unless and until released under your instructions and applicable law. Tentunit does not pay interest on Security Deposits except where required by law.

12.3 Disposition Instructions

We release, return, or apply Security Deposit funds only on your documented instructions through the platform (or as required by law or court order). Instructions may direct return of the full deposit to the tenant, return less itemized deductions (with the itemization you provide), or application of the deposit to amounts lawfully owed under the lease. You are solely responsible for the lawfulness of any deduction and for providing tenants with legally required notices and itemizations.

12.4 Indiana

For properties in Indiana, Security Deposits (less lawful itemized deductions) must be returned to the tenant within 45 calendar days after the end of the lease, together with an itemized list of deductions, as required by Ind. Code § 32-31-3-12. The platform will surface this deadline, but compliance is your responsibility.

12.5 Other States

Deposit handling for other states — including deadlines, interest, and itemization requirements — is governed by the applicable state addenda to these Payment Terms and by local law. Where local law imposes special holding or disclosure requirements, you must confirm the deposit feature is appropriate for your jurisdiction before using it.

12.6 Landlord–Tenant Disputes; Interpleader-Style Reservation

If we receive conflicting claims to Security Deposit funds — for example, a tenant disputes a deduction, or we receive competing instructions or a legal demand — we may, acting reasonably: (a) continue holding the disputed funds in the custodial account pending joint written instructions, a settlement, or a final order of a court of competent jurisdiction; (b) deposit the disputed funds with a court by way of interpleader or an analogous procedure and be discharged as to those funds; or (c) comply with a facially valid court order, garnishment, or levy. We do not adjudicate deposit disputes and have no liability for holding funds in good faith pending resolution.

13. Fees & Taxes

This section distinguishes subscription fees from processing fees and describes tax responsibilities and information reporting.

13.1 Subscription vs. Processing Fees

Your Tentunit Business subscription fees are charged separately under the Business ToS and your order form. Payment processing fees are calculated as a percentage of the transaction amount and are currently charged to the tenant, disclosed at checkout before payment is submitted, and may vary by payment method and region. Landlords are not currently charged per-transaction processing fees; any change to this allocation will be announced with at least 30 days’ notice.

13.2 Taxes

You are responsible for your own taxes, including income tax on rent received and any applicable indirect taxes. Tentunit does not provide tax advice and does not withhold taxes from Payouts except where required by law.

13.3 Information Reporting

Where required by U.S. law, Tentunit (or Stripe) will issue Form 1099-K reflecting payments processed for you. Accurate W-9/W-8 information is a condition of receiving Payouts (Section 4.4).

14. Card Network Rules; Surcharging

This section addresses the card network rules that apply to card acceptance and the restrictions on adding fees to card payments.

14.1 Compliance with Network Rules

Card Tenant Payments are subject to the operating rules of the applicable card networks as in effect from time to time. You must not take any action that would cause Tentunit or Stripe to violate network rules, and you must cooperate with any network-mandated program or remediation applicable to your transactions.

14.2 Surcharging Prohibition

You must not apply surcharges or convenience fees in a manner prohibited by card network rules or applicable law. Because surcharging rules vary by network, card type, and jurisdiction, do not configure any surcharge or card-usage fee unless you have independently confirmed it is permitted for your circumstances; any resulting fines or assessments are your responsibility.

15. Prohibited Payment Activity

This section lists uses of the Payment Services that are never permitted.

15.1 Prohibited Uses

You must not use the Payment Services to:

• move money for purposes unrelated to bona fide rent, deposits, or lease-related charges for properties you own or manage (i.e., no money transmission for unrelated purposes);
• apply surcharges or convenience fees in a manner prohibited by card network rules or applicable law;
• collect payments from, or make Payouts to, sanctioned persons, entities, or jurisdictions;
• split, disguise, or misdescribe charges to evade fees, limits, or reporting; or
• process payments for any business or activity prohibited by the Stripe Services Agreement.

15.2 Consequences

We may suspend the Payment Services and hold funds if we reasonably suspect prohibited activity, and may report suspected unlawful activity to Stripe, card networks, regulators, or law enforcement.

16. Holds, Offsets & Negative Balances

This section explains what happens when your account owes money, and the order in which we recover it.

16.1 Negative Balances

If Chargebacks, reversals, refunds, fees, or other amounts you owe exceed your available balance, your account will carry a Negative Balance. You must repay any Negative Balance on demand, whether or not your account remains open.

16.2 Offsets and Recoupment; Order of Application

We may offset any amounts you owe under these Payment Terms or the Business ToS from your future Payouts, and may invoice you for any remainder. We may also debit your linked bank account where you have authorized us or Stripe to do so. Unless applicable law requires otherwise, recovered amounts are applied in this order: (1) amounts we must return to tenants or third parties by law, scheme rules, or court order; (2) Chargeback amounts and associated processor pass-through fees; (3) the $15 administrative fee and other fees payable under these Payment Terms; (4) refunds you have initiated; and (5) any other amounts you owe. Security Deposit funds held under Section 12 are not available for offset, except as directed by a court order or expressly permitted by applicable law.

16.3 Continued Holds

We may hold funds reasonably sufficient to cover anticipated Chargebacks or reversals for a reasonable period after account closure, consistent with scheme dispute and return timelines.

17. Account Closure & Final Payout

This section describes how payments wind down when you stop using the Payment Services or your account closes.

17.1 Wind-Down of Payment Activity

Upon termination of your account or your disabling of the Payment Services: (a) new Tenant Payments will no longer be initiated; (b) in-flight transactions will be completed, settled, or reversed in the ordinary course; and (c) you must promptly notify your tenants of alternative payment arrangements.

17.2 Final Payout and Residual Obligations

After in-flight activity completes and amounts you owe are satisfied, we will initiate a final Payout of your remaining balance to your verified bank account, subject to any continued hold under Section 16.3 or reserve under Section 8. Security Deposits held at closure remain subject to Section 12. Your obligations regarding Negative Balances, post-closure Chargebacks, tax reporting, and investigation cooperation survive closure. If a final Payout cannot be completed because your bank account is unverifiable or closed, we will hold the funds and attempt to contact you; unclaimed funds may be handled under applicable unclaimed property laws.

18. Data Flows to Processors

This section explains what data moves to Stripe and other providers to make payments work, and points to the documents governing that processing.

18.1 Sharing with Stripe and Financial Partners

To provide the Payment Services, we share information about you, your authorized users, and your tenants with Stripe and its financial partners — including identity and verification data, bank account details, transaction data, and risk signals — as necessary for onboarding, KYC/KYB, processing, settlement, Payouts, fraud prevention, dispute handling, and legal compliance. Stripe processes certain data as an independent controller under its own privacy policy.

18.2 Governing Documents

Processing of personal data in connection with the Payment Services is governed by the Tentunit Privacy Policy and, where Tentunit processes personal data on your behalf, by the Tentunit Data Processing Addendum (DPA), each incorporated by reference. You are responsible for providing your tenants with any privacy notices required for your own use of tenant data.

19. EU/UK Provisions

This section contains terms specific to tenants and landlords in the European Economic Area and the United Kingdom.

19.1 PSD2 and SCA

For tenants in the EEA and UK, the revised Payment Services Directive (PSD2) and equivalent UK rules apply, including Strong Customer Authentication (SCA). Tenants may be asked to authenticate payments (for example, via 3-D Secure), and unauthenticated payments may be declined by the issuer. You must not attempt to circumvent SCA requirements.

19.2 SEPA

SEPA Direct Debit payments are subject to the SEPA mandate the tenant signs and to SEPA scheme rules, including the tenant’s refund rights under those rules. SEPA bank settlement typically takes 1–3 business days. A SEPA refund exercised under scheme rules is handled as a legally required refund under Section 11.4.

19.3 Complaints

EU and UK payment-related complaints may be sent to [email protected]. We will acknowledge complaints within 72 hours and aim to resolve them within 15 business days of receipt; if we cannot, we will explain the delay and give you a final response date consistent with applicable law.

19.4 Online Dispute Resolution

Consumers in the EU may also refer disputes to the European Commission’s Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr.

20. Liability

This section limits Tentunit’s financial exposure for the Payment Services, while carving out the funds we collect on your behalf.

To the maximum extent permitted by law, Tentunit’s total aggregate liability arising out of or relating to the Payment Services is capped at the greater of (a) the fees you paid to Tentunit in the 12 months preceding the event giving rise to the claim, or (b) $100. Rent and other amounts collected on your behalf are pass-through funds and are excluded from this cap — our obligation with respect to pass-through funds is to remit them as described in these Payment Terms. The exclusions of indirect and consequential damages and other limitations in the Business ToS also apply. Nothing in this Section limits liability that cannot be limited under applicable law, including under EU or UK payment services regulation, nor your obligation to repay amounts you owe.

21. Changes

This section explains how these Payment Terms may be updated and your options if you disagree.

We may update these Payment Terms from time to time. For material changes, we will give you advance notice by email or in-product notice — at least the notice period required by applicable law (including PSD2 notice requirements for EU/UK customers). If you do not agree to a change, you may stop using the Payment Services and terminate as described in the Business ToS before the change takes effect. Continued use after the effective date constitutes acceptance. Changes required by law, a regulator, Stripe, or a card network may take effect on shorter notice where the requirement so demands.

22. Contact

This section lists the addresses for support, legal notices, privacy inquiries, and EU/UK payment complaints.

• General support: [email protected]
• Legal notices: [email protected]
• Privacy: [email protected]
• EU/UK payment complaints: [email protected]

Tentunit, Inc. · Delaware, USA