Terms of Service

1. Eligibility

You must be at least 18 years old to use Bond. By using the Service, you represent that you are at least 18 years of age and have the legal capacity to enter into binding agreements.

2. What Bond Is

Bond is a shared living expense management platform. It helps housemates coordinate household bills, split costs, make payments, and earn rewards.

Bond is not a bank, lender, financial institution, or utility provider. We provide tools for coordination and payment processing between housemates. We do not provide utility services, guarantee service delivery from third-party providers, or extend credit.

3. Accounts

3.0 Guest Use (Browsing Without an Account)

You may browse certain content in Bond without creating an account. As a guest, you can view partner promotions, partner information, and explore the app's public-facing features. Your use of Bond as a guest constitutes acceptance of these Terms to the extent they apply to guest use.

Guest access is limited. You may not redeem promotions, manage a house, pay bills, vote on proposals, or access any account-based features without creating an account and logging in. We reserve the right to restrict or revoke guest access at any time.

3.1 Registration

To use Bond, you must create an account with a valid email address, a password, and a username. You may optionally provide a phone number. All information you provide must be accurate and current.

3.2 Security

You are responsible for maintaining the confidentiality of your account credentials. You are responsible for all activity that occurs under your account. Notify us immediately at support@usebond.com if you suspect unauthorized access.

3.3 One Account Per Person

Each person may maintain only one Bond account. Creating multiple accounts to manipulate voting, points, or any other feature is prohibited.

4. Houses

4.1 Creating & Joining

Any user can create a house by providing a house name and zipcode. Other users can join an existing house using the house's unique join code. There is no limit to the number of members in a house.

4.2 House Membership Is a Commitment

Joining a house and voting to accept services creates financial obligations. Bond is designed around shared responsibility — when you vote to accept a service, you are committing to your share of that expense. House membership is not casual and should be treated as a binding cost-sharing arrangement between you and your housemates.

4.3 Leaving a House

You may request to leave a house at any time. Departure is not immediate — it requires unanimous approval from all other house members. This is because your departure affects bill splits and financial obligations for everyone in the house.

To leave, you submit a departure request. Your housemates are notified and must vote to accept or reject. If any housemate rejects, the departure is cancelled. If all housemates accept, you are removed from the house and your share of service costs is redistributed among remaining members.

You must settle any unpaid charges before departure can be finalized. If you have unpaid charges at the time of a departure vote, you remain responsible for those amounts regardless of the vote outcome.

4.4 Removal of a Member

House members may vote to remove a member. Removal requires unanimous approval from all other members. Upon removal, the departing member's service splits are redistributed among remaining members.

5. Services & Bill Splitting

5.1 Adding Services

Any house member may propose a new service (such as internet, electric, water, or rent). A proposed service includes a name, billing type (fixed or variable), due date, and a split percentage for each member.

5.2 Voting on Services

All proposed services require unanimous approval from every house member. Any single rejection immediately cancels the proposal. By voting to accept a service, you agree to be responsible for your designated percentage of each bill generated for that service.

5.3 Financial Commitment

By voting to accept a service, you enter into a binding commitment to pay your split percentage of every bill for that service. This obligation remains in effect until:

• The service is removed by unanimous vote,
• Your departure from the house is approved by all members, or
• The house is dissolved.

You may not avoid or reduce your obligation by simply ceasing to use the Service or deleting your account while active obligations remain.

5.4 Changing Splits

Any member may propose a change to how a service is split. Split changes require unanimous approval from all house members. The new split takes effect only after all members have voted to accept.

5.5 Bills

For fixed-amount services, bills are generated automatically each billing cycle. For variable-amount services, the designated member enters the bill amount manually. Each member is charged their split percentage of the total bill.

6. Payments

6.1 Payment Processing

All payments are processed by Stripe, Inc. (“Stripe”). By making a payment through Bond, you also agree to Stripe's Terms of Service. Bond does not store your full credit card or bank account numbers — Stripe handles all sensitive payment data.

6.2 Payment Methods

You may add credit cards, debit cards, or bank accounts (ACH) as payment methods. You are responsible for ensuring your payment methods are valid and have sufficient funds.

6.3 Processing Fees

Payments are subject to processing fees:

• Credit/Debit cards: Approximately 2.9% + $0.30 per transaction
• Bank transfers (ACH): Approximately 0.8% per transaction, capped at $5.00

These fees are charged at the time of payment and are non-refundable.

6.4 Failed Payments

If a payment fails, you remain responsible for the charge. Bond will notify you of the failure and you must resolve it promptly by retrying or updating your payment method.

6.5 Refunds

Because Bond facilitates payments between housemates for shared expenses, payments are generally non-refundable. Disputes about bill amounts or splits should be resolved between house members through the voting system. If you believe a payment was made in error, contact us at support@usebond.com.

7. Points & Rewards

7.1 Earning Points

Your house earns points when members make bill payments through Bond. The number of points earned may vary by service type and partner. Bonus points may be awarded for signing up with partner services or through promotions.

7.2 Points Ownership

Points belong to the house, not individual members. All members of the house benefit from and have a say in how points are used.

7.3 Redeeming Points

Any member may propose a redemption using house points. Redemptions require unanimous approval from all house members, with a 12-hour voting window. If approved, a ticket is generated that can be redeemed at the partner location.

7.4 Ticket Expiration

Redemption tickets expire 30 days after approval. Expired tickets cannot be reused and points are not refunded.

7.5 No Cash Value

Points have no monetary or cash value and cannot be transferred, sold, or exchanged for currency. Bond reserves the right to modify, suspend, or discontinue the points program at any time with reasonable notice.

7.6 Fraud & Abuse

Bond reserves the right to revoke points earned through fraudulent activity, system manipulation, or abuse. Accounts engaged in points abuse may be suspended or terminated.

8. Partner Promotions

8.1 Third-Party Partners

Bond features promotions from third-party partners (restaurants, entertainment venues, experiences, etc.). These promotions are provided by the partners, not by Bond.

8.2 Partner Responsibility

Bond is not responsible for the quality, availability, or fulfillment of partner promotions. Any issues with a promotion should be directed to the partner. Bond will make reasonable efforts to assist but cannot guarantee resolution.

8.3 Promotion Terms

Individual promotions may have their own terms, conditions, and restrictions as set by the partner. These terms will be displayed alongside the promotion details.

9. Notifications & Communications

9.1 Required Communications

By using Bond, you consent to receiving transactional notifications related to bills, payments, votes, and house activity. These are essential to the Service and cannot be fully disabled.

9.2 Push Notifications

You may enable or disable push notifications through your device settings or within the app. We recommend keeping them enabled to stay informed about votes and payment deadlines.

9.3 Email Notifications

You may manage email notification preferences in your profile settings.

9.4 Nudges

House members may send payment reminders (“nudges”) to other members with pending charges. This feature is intended to facilitate communication, not harassment. Excessive or abusive use of nudges is prohibited.

10. Prohibited Conduct

You agree not to:

• Create fraudulent accounts or houses
• Misrepresent your identity or provide false information
• Manipulate the voting system or points program
• Harass, threaten, or abuse other house members through the Service
• Use the Service for any illegal purpose
• Attempt to reverse engineer, decompile, or exploit the Service
• Interfere with or disrupt the Service or its infrastructure
• Use automated scripts, bots, or scrapers to access the Service
• Circumvent any security measures or access controls

11. Intellectual Property

All content, features, and functionality of the Service — including but not limited to the design, code, text, graphics, and logos — are owned by HouseTabz, Inc. DBA Bond Living and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

12. Termination

12.1 Account Deletion By You

You may delete your account at any time through the app's Settings. The process depends on whether you are in a house:

If you are not in any house: Your account is deleted immediately upon confirmation.

If you are in one or more houses: Your deletion request creates a departure request for each house. Your housemates must unanimously approve your departure. Once all houses have approved, you are automatically removed from each house and your account is deleted. You do not need to take any further action — removal and deletion happen automatically after approval.

You cannot delete your account while you have unpaid charges. You must settle your balance first.

We retain anonymized transaction records (charges, payments, bills) after account deletion as required for legal, tax, and compliance purposes. Your profile is anonymized (e.g., displayed as “Deleted User”) so that house financial history remains coherent for remaining members.

12.2 By Bond

We may suspend or terminate your account at any time if you violate these Terms, engage in fraudulent activity, or for any reason at our reasonable discretion. We will make reasonable efforts to notify you before or at the time of termination.

12.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Outstanding financial obligations survive termination — you remain responsible for any unpaid charges.

13. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, secure, or error-free.

Bond does not guarantee that your housemates will pay their share of any bill. Bond is a coordination tool and is not responsible for the financial behavior of other users.

We are not responsible for the actions, content, or policies of third-party services including Stripe, utility providers, or promotional partners.

14. Limitation of Liability

To the maximum extent permitted by law, HouseTabz, Inc. DBA Bond Living and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Our total liability for any claims arising from or related to the Service shall not exceed the total amount of fees you have paid to Bond in the twelve (12) months preceding the claim.

This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory.

15. Dispute Resolution

15.1 Informal Resolution

Before filing any formal dispute, you agree to contact us at support@usebond.com and attempt to resolve the matter informally for at least 30 days.

15.2 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

15.3 Jurisdiction

Any disputes not resolved informally shall be resolved in the state or federal courts located in Texas, and you consent to personal jurisdiction in those courts.

16. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Effective Date” at the top and notify you through the app or by email. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

If a change materially affects your rights or obligations, we will provide at least 14 days' notice before it takes effect.

17. Contact Us

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

HouseTabz, Inc. DBA Bond Living
Email: support@usebond.com