Terms and conditions

RentFlow Terms and Conditions

Effective Date: April 1st 2025

By accessing or using the RentFlow website, platform, or services, you (“you”, “Tenant”, or “User”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, you must not use RentFlow.

1. Eligibility

You must:

  • Be at least 18 years old;

  • Be authorized to act on behalf of a registered business;

  • Provide accurate and truthful information;

  • Pass identity, business verification (KYB/KYC), and creditworthiness checks.

To assess creditworthiness, RentFlow may collect your business banking information using third-party services such as Plaid. By using our services, you authorize us to retrieve and analyze your banking data securely. No soft or hard credit pulls will be performed, and your credit score will not be affected by our assessment process.

2. Accuracy of Information

You agree to provide only true, accurate, current, and complete information about yourself, your business, and your landlord or property manager. You must not misrepresent your identity, financial condition, or any other details required to use RentFlow. You further agree to keep all account information up to date.

3. Rent Advance Program

Upon approval, RentFlow will, on your business’s behalf, advance funds solely to pay your commercial rent. Each advance is limited to the amount of rent due for the applicable period and must be repaid by your business under the installment schedule you select. Advances are not revolving and may not be used for any other purpose.

3A. PERSONAL GUARANTEE

By accepting these Terms, the individual click-signing on behalf of the Applicant business (“Guarantor”) PERSONALLY AND UNCONDITIONALLY GUARANTEES the full and prompt payment and performance of all present and future obligations of the Applicant to RentFlow. RentFlow may pursue the Guarantor without first seeking payment from the Applicant. This is a continuing, irrevocable guarantee governed by and construed in accordance with the laws of the State of Delaware, and the Guarantor consents to the exclusive jurisdiction of the state and federal courts located there.

4. Membership Fee & Charges

RentFlow charges a monthly membership fee for access to the platform and all payment services. This fee is billed automatically each month and renews unless canceled prior to the next billing cycle.

The membership fee and any other charges are subject to change. You will be notified of any updates prior to the beginning of the following month.

5. Payment Terms

Transaction fees apply to all rent payments made through RentFlow. Additional fees may apply depending on the selected method of payment. All applicable fees will be disclosed prior to confirmation.

Standard Installment Plans

  • Your first installment must be paid to RentFlow before we disburse rent to your landlord.

  • Future installments will be auto-debited as per the agreed schedule.

  • All applicable fees will be disclosed before activation.

Payment Splitting
If you choose to split your rent payment across multiple funding sources or accounts, additional processing fees may apply. These fees will be disclosed before confirmation and are borne by the tenant.

Autopay Enrollment and Cancellation

  • For any active Rent Payment Plan (rent‑splitting plan) in a given calendar month, you are automatically enrolled in autopay for all installments due to RentFlow during that month. Autopay enrollment becomes irrevocable for that month at 12:00 a.m. ET on the 1st day of the month.

  • If you participate in a recurring month‑over‑month payment plan, you may cancel autopay for the subsequent month by submitting notice through your RentFlow dashboard no later than 11:59 p.m. (local time) on the final calendar day of the current month. Upon cancellation, you will be responsible for paying rent directly to your landlord and for settling any outstanding balance owed to RentFlow.

6. Payment to Landlords

RentFlow may pay landlords via ACH, check, debit or other approved methods. Unless otherwise agreed by yourself with your landlord, RentFlow will pay your landlord using the same payment account and delivery method that you previously used—for example, mailing a physical check if that was your historical practice. RentFlow will initiate the landlord payment immediately after you have paid your first installment to RentFlow for that month. RentFlow’s obligation is limited to initiating the payment; we are not liable for delivery delays, losses, rejections, or errors attributable to postal or courier services, payment processors, or the landlord’s financial institution. If RentFlow is unable to fulfill the requested payment method, we will inform you promptly, and you remain responsible for ensuring that the rent reaches the landlord by the contractual due date.

7. Landlord Acknowledgement & Direct Communication Authority

You authorize RentFlow to issue payments to your landlord on your behalf. No formal confirmation is required from the landlord for RentFlow to begin services. Once you enroll in any Rent Payment Plan with RentFlow, you expressly authorize RentFlow to communicate directly with your landlord or property manager for any purpose reasonably related to the administration of your plan, including but not limited to payment confirmations, account‑status updates, default notices, reconciliation inquiries, and marketing communications.

8. Late Payments

  • If caused by tenant: Failed-Payment & Suspension Terms

  1. First Failed Autopay
    1.1 RentFlow will automatically retry the rejected installment once within 24 to 48 hours.
    1.2 A non-refundable $5 Processing Fee will be added to the retried charge.

  2. Second Failed Autopay
    2.1 If the retry is also rejected, a Late Fee equal to 5 % of the missed installment will be assessed, and a non-refundable $5 Processing Fee will be added to the amount owed to RentFlow by the Tenant.
    2.2 The Tenant then has 48 hours from the timestamp of the second failure to pay (i) the missed installment, (ii) the two $5 Processing Fees, and (iii) the 5 % Late Fee via debit card or another RentFlow-approved method.

  3. Short-Term Suspension
    Failure to remit the full amount described in § 2.2 within the 48-hour cure period will lock the Tenant’s access to all RentFlow payment plans (installment-based and revenue-based) for the following calendar month. Access remains locked each month until the outstanding balance is paid in full.

  4. Default Month Obligations
    The calendar month in which the first failed payment occurs is the “Default Month.” All installments scheduled for the Default Month remain due on their original dates, regardless of any service lock.

  5. Permanent Suspension & Acceleration
    5.1 More than two failed autopay events within any single calendar month constitute “excessive bounces” and grant RentFlow the right to permanently suspend the Tenant’s access to RentFlow Services without further notice.
    5.2 Upon permanent suspension, RentFlow may declare all remaining installments under the current plan immediately due and payable.

  6. Collection & Information Sharing
    If any amount remains overdue beyond a reasonable period, RentFlow reserves the right to assign or transfer collection of outstanding debts to an external collection agency and will share the Tenant’s relevant account and contact information as necessary. The Tenant is responsible for keeping all contact and business information current to avoid disruption or miscommunication during debt recovery.

  • If caused by RentFlow: The tenant will not be penalized if delays are due to internal system failures such as processing errors, application bugs, or verifiable technical issues within our platform. RentFlow is not responsible for third-party delivery failures, such as postal delays related to physical checks.

9. Prohibited Use & Abuse

You may not use RentFlow if you operate in or are affiliated with the following industries:

  • Adult entertainment

  • Narcotics or controlled substances

  • Firearms, ammunition, or weapons

  • Stolen goods or counterfeit items

  • Unlicensed money services or cryptocurrency exchanges

You may not:

  • Falsify information

  • Use any RentFlow advance for personal or non-rent expenses

  • Misrepresent your business activity

Violations may result in termination of access, collections, and legal action.

10. Authorized Use Only

The RentFlow advance is restricted to rent payments to landlords. Any other use constitutes a breach of agreement.

11. Changes to This Agreement

We reserve the right to modify these Terms at any time. Material changes will be notified via email or your dashboard. Continued use constitutes acceptance of the revised Terms.

12. Limitation of Liability

We are not responsible for business losses, lease disputes, or indirect damages. Our total liability is limited to the amount of fees paid in the prior three months.

13. Governing Law

These Terms are governed by the laws of the State of Delaware. All disputes shall be handled in the courts of Delaware.

14. Dispute Resolution

In the event of a dispute between RentFlow and a tenant or landlord:

  • We encourage you to first contact us to seek an informal resolution.

  • If unresolved, disputes will be subject to binding arbitration in Delaware, unless both parties agree to an alternative method.

  • Arbitration will be conducted in English, and each party will bear its own legal fees unless otherwise determined.

  • This provision does not prevent either party from seeking injunctive or equitable relief in court.

15. Change to Installment Schedule

You may request to change your rent installment schedule. Approval is subject to review of your repayment history and updated financial data. RentFlow reserves the right to accept, modify, or deny schedule changes at its sole discretion.

16. Closing Your Account

To close your RentFlow account, you must:

  • Repay all outstanding dues in full;

  • Cancel any active membership prior to the next billing cycle;

  • Submit a formal closure request via your dashboard or to our support team.

RentFlow reserves the right to close accounts with misuse, inactivity, or breach of terms.

17. Communication Consent

By using RentFlow, you consent to receive communications from us via phone, SMS, and email. These communications may include service updates, payment reminders, account-related alerts, and promotional content. You may opt out of promotional messages at any time by following the unsubscribe instructions provided, but operational messages are essential for continued use of our services.

17A. SMS Terms of Service

By opting in to receive SMS messages from RentFlow, you agree to the following terms:
Program Name: RentFlow
Use Case: We use SMS messages to send verification code, account-related information (e.g., payment reminders, confirmations, and alerts) and promotional offers (if separately opted in).
Message Frequency: Message frequency varies depending on your account activity and preferences.
Cost Disclosure: Message and data rates may apply.
Customer Support: For support, contact us at support@therentflow.com
Opt-Out Instructions: You may opt out of SMS messages at any time by replying STOP. To get help, reply HELP.
Third-Party Sharing Disclaimer: We will not sell, rent, or share your SMS opt-in data or consent with any third party for marketing or unrelated purposes. SMS consent may be shared only with platform providers and vendors strictly for delivering messages on our behalf.

18. Disclaimer: Informational Tools

All financial or repayment tools and recommendations provided by RentFlow are for informational purposes only. They do not constitute legal, financial, or tax advice. You are solely responsible for your decisions and should consult with qualified professionals before making financial decisions. Use of these tools is at your own risk.

19. Contact Us

Mindely Inc. DBA RentFlow
1111B S Governors Ave STE 20820 Dover, DELAWARE 19904
support@therentflow.com