<aside> 📅 Last Updated: May 3, 2022

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Our Privacy Policy: Nophin | Privacy Policy

Welcome to Nophin. Please review these Terms of Use (“Terms of Use”) before using or accessing the website located at nophin.com and any subdomain thereof (the “Site”). To make these Terms of Use easier to read, the Site, and services and applications accessible via the Site, are collectively called the “Services”. If you are accessing the Services on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms of Use, and "User" (or “you” and “your” as the context may require) will refer to that entity. By accessing the Site or using Nophin’s Services, you agree to be bound by the Terms of Use and the Sections herein, including, but not limited to, Mandatory Arbitration and Class Action Waiver.  If you do not agree to these Terms of Use, you should not use the Services.

The Services are operated by Nophin Inc., a Delaware corporation (the “Company", "Nophin", "we" or "us"). By accessing or using the Services, you, the User, signify that you have read, understand and agree to be bound by these Terms of Use. In addition to these Terms of Use, you may enter into other agreements with us that will govern your use of specific aspects of the Services (collectively, “Other Agreements”). Your receipt and participation in such Services are subject to your execution of such Other Agreements, as requested by Nophin in its sole discretion. Terms and conditions of Other Agreements may vary from User to User. If there is any contradiction between these Terms of Use and any Other Agreement you enter into for specific Services, the Other Agreement shall take precedence in relation to the specific aspects of the Services to which it applies, unless otherwise stated therein.

IMPORTANT: PLEASE BE ADVISED THAT THIS AGREEMENT CONTAINS PROVISIONS THAT GOVERN HOW CLAIMS BETWEEN YOU AND NOPHIN CAN BE BROUGHT, INCLUDING AN ARBITRATION AGREEMENT. PLEASE REVIEW THE ARBITRATION AGREEMENT BELOW CAREFULLY, AS IT REQUIRES YOU TO RESOLVE ALL DISPUTES WITH NOPHIN ON AN INDIVIDUAL BASIS AND, WITH LIMITED EXCEPTIONS, THROUGH FINAL AND BINDING ARBITRATION (AS DESCRIBED BELOW). BY ENTERING INTO THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS OF THIS AGREEMENT AND HAVE TAKEN TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION.

CHANGES TO THESE TERMS OF USE

We may make changes to these Terms of Use from time to time. If we do this, we will post the changed Terms of Use at this URL or on the Site and will indicate at the top of this page the date the Terms of Use were last revised. You understand and agree that your continued use of the Services after we have made any such changes constitutes your acceptance of the new Terms of Use.

ELIGIBILITY, COMMUNICATIONS, AND LICENSE

Eligibility: General

The Services are intended for residential landlords based in the United States that are in good standing in each jurisdiction in which they are registered to conduct business and that are not otherwise barred from using the Services under applicable law. The Services are generally not available to consumers, people or entities that reside outside the United States, or individuals under the age of 18. If you violate any of these Terms of Use, or otherwise violate an agreement between you and us, the Company may terminate your access and use of Services, and delete your account and any content or information that you have posted on the Services or prohibit you from using or accessing the Services (or any portion, aspect or feature of the Services), at any time in its sole discretion, with or without notice.

Electronic Transactions and Disclosures

Because Nophin operates only on the Internet, you acknowledge that, should you use the Services, it is necessary to transact business with us online and electronically. As part of doing business with Nophin, you acknowledge and agree that it is necessary to give you certain disclosures electronically, either via our Site or the email address you provide to us. By agreeing to the Terms of Use, you agree to receive electronically all documents, communications, notices, contracts, and agreements arising from or relating to your use of the Services, Other Agreements, and your registration as a customer (each, a "Disclosure"). The decision to do business with us electronically is yours. This document informs you of your rights concerning Disclosures.

CUSTOMER COMMUNICATIONS: By accepting these Terms of Use, you acknowledge that it is necessary to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes in connection with the provision of the Services, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You certify, warrant and represent that the telephone numbers that you have provided to us are your numbers and do not relate to another individual or business. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number.

To unsubscribe from text messages at any time, reply STOP to any text message you receive from Nophin. You acknowledge that following such a request to unsubscribe, you may receive one final text message from Nophin confirming your request. For help, contact us at [email protected].

CALL RECORDING AND MONITORING: You acknowledge that is necessary for us to record and monitor, for quality assurance, training, risk management and/or collection purposes, any call that you place with us (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) or that we (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) place to you.

DISCLOSURES.  When you apply to use Nophin’s Services, you agree that any Disclosures or additional terms and services provided by Company or any service providers under these Terms of Use will be given in electronic form: (i) via email; (ii) by access to a web site that we will designate in an email notice we send to you at the time the information is available; or (iii) by posting to the Site.

It is your responsibility to provide us with your accurate email address, contact, and other information related to your use of banking services and to maintain and update promptly any changes in this information. You can update your information through Nophin Services or by contacting us at [email protected]. To help protect the confidentiality of your personal information, please do not send us any confidential information via unencrypted email messages.

You may request paper copies of any Disclosure or withdraw your consent to receive Disclosures in electronic form by contacting us at [email protected]. Any withdrawal of your consent to receive electronic Disclosures will be effective only after we have a reasonable period of time to process your withdrawal. At our option, we may treat your provision of an invalid e-mail address or the malfunction of a previously valid e-mail address as a withdrawal of your consent to receive electronic Disclosures.