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Terms & Conditions

Our Terms and Conditions

Terms of Service for Paper & Porch

 

Effective Date: 4/24/2025

 

Welcome to Paper & Porch! These Terms of Service (“Terms”) govern your access to and use of our rental screening services, including our website, tools, reports, and any associated software provided by Paper & Porch (“we”, “us”, or “our”).

 

By using our services, you agree to these Terms.

 

1. Overview of Services

 

Paper & Porch provides automated rental screening tools for landlords and property managers, including:

  • Background checks (via Checkr)

  • Income verification (via Plaid)

  • AI-generated application summaries

  • Branded reports and communication workflows

 

Applicants provide consent and pay a fee to initiate screening. Landlords receive a summarized report and/or access to raw screening results.

 

2. Eligibility

 

To use our services:

  • Landlords must be 18 years or older and legally permitted to screen tenants.

  • Applicants must voluntarily consent to screening and provide truthful, accurate information.

 

You must not use our platform for fraudulent, discriminatory, or unlawful purposes.

 

3. Payment Terms

  • Tenants pay a screening fee (e.g., $49) to initiate background and income verification.

  • Landlords may be charged for premium features or subscriptions, as applicable.

  • Payments are processed securely via Stripe.

 

All fees are non-refundable once screening has been completed.

 

4. Data Use and Disclosure

  • We use third-party partners (Checkr, Plaid, OpenAI, Stripe) to deliver our services.

  • We do not store banking credentials or SSNs directly.

  • All data handling is subject to our Privacy Policy.

 

5. Landlord Responsibilities

 

As a landlord using our services, you agree to:

  • Use applicant data solely for tenant screening

  • Maintain compliance with local housing and fair use laws (e.g., FCRA, FHA)

  • Not discriminate based on race, gender, income source, or other protected classes

 

6. Applicant Rights

 

Applicants have the right to:

  • Know what data is collected

  • Request a copy of their screening report

  • Dispute incorrect background data (through Checkr)

  • Revoke consent at any time before screening begins

 

7. Intellectual Property

 

All materials, tools, and branding under Paper & Porch are the intellectual property of our company. You may not copy, redistribute, or repurpose our reports, summaries, or platform code without permission.

 

8. Disclaimers

  • We are not a credit bureau, background check agency, or financial institution.

  • We rely on third-party providers for data accuracy.

  • Final tenant decisions are made by landlords. We are not liable for those decisions.

 

9. Limitation of Liability

 

To the maximum extent permitted by law, Paper & Porch shall not be liable for any damages, loss of data, or legal disputes arising from the use of our services.

 

10. Modifications to the Service

 

We reserve the right to modify or discontinue any part of our service without prior notice. Significant changes to these Terms will be communicated to users via our website or email.

 

11. Contact

 

If you have questions about these Terms, contact us at:

 

Paper & Porch

Email: support@paperandporch.com

Phone: 406-594-2081

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