LeaseDefend | Tenant Financial & Risk Screening

Acceptance of Terms

Contractual Agreement

By creating an account, accessing, or using the LeaseDefend platform and services, you agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. If you do not agree to these terms, you must not access or use our services.

Changes to Terms

We reserve the right to modify or replace these terms at any time. If a revision is material, we will provide at least 30 days' notice via email or a prominent notice on our platform before the new terms take effect. Continued use after changes take effect indicates acceptance.

Eligibility & Use

Age & Verification

You must be at least 18 years old and a resident of the United States to register an account and use LeaseDefend. You agree to provide accurate, current, and complete information during registration.

Screening Purpose

LeaseDefend provides tools for residential tenant screening. Services are to be used strictly for lawful purposes, in compliance with federal, state, and local housing and privacy regulations.

Account Security

Credentials

You are solely responsible for safeguarding the credentials you use to access your account. You agree not to disclose your password to any third party and to notify us immediately of any security breach or unauthorized use.

Account Ownership

You may not lease, sell, transfer, or assign your account access to another individual without our express written consent. One account is permitted per consumer or manager entity.

Mastercard Integration

Financial Data Sharing

LeaseDefend connects with your financial institution using Mastercard Open Finance. By linking your bank account, you grant LeaseDefend read-only access to view transaction details, historical balances, and recurring payments.

Calculation Consent

You consent to the automated retrieval and analysis of your bank transactions for the purpose of calculating your LeaseWorthy™ Score (a rental financial health score) and generating your consumer report.

Payments & Stripe

Fees & Payment Processing

All fees for tenant screening reports and Pro subscription plans are processed securely via Stripe. You agree to pay all applicable fees associated with your selection.

Refund Policy

Transactions are non-refundable except in instances of verified technical failure that prevented a report from generating correctly. Refund requests must be submitted within 30 days of purchase to support@leasedefend.co.

FCRA Compliance

Consumer Rights

LeaseDefend operates as a Consumer Reporting Agency (CRA) under the Fair Credit Reporting Act (FCRA). You have the right to request a full disclosure of your consumer file (§609) and dispute inaccurate information (§611).

Dispute Timelines

We will investigate disputed items free of charge and update or remove inaccurate records within 30 days. Adverse action notices are sent to tenants directly when landlord decisions are recorded (§615).

Acceptable Use Policy

Prohibited Actions

You agree not to scrape, copy, or reverse engineer any part of LeaseDefend. You must not attempt to bypass security measures, inject malicious code, or spoof transactions to artificially inflate your LeaseWorthy™ Score.

Civil & Criminal Penalties

Unauthorized access, fraud, or intentional falsification of financial transactions to obtain housing or credit is illegal and will result in immediate account termination and referral to law enforcement.

Intellectual Property

Ownership

All content, software, design components, scoring algorithms, and brand logos on LeaseDefend are the exclusive property of LeaseDefend and protected by copyright, trademark, and trade secret laws.

License

We grant you a limited, non-exclusive, non-transferable, revocable license to access our platform solely for your personal tenant screening or professional landlord screening operations.

Liability & Disclaimers

As-Is Service

LeaseDefend is provided 'as is' and 'as available' without warranty of any kind. We do not guarantee that the services will be completely uninterrupted, secure, or free from bugs or latency.

Limitation of Liability

To the maximum extent permitted by law, LeaseDefend and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, housing opportunities, or data.

Liability Cap

To the maximum extent permitted by law, LeaseDefend's total cumulative liability to you for any and all claims arising out of or relating to these Terms or your use of the services — whether in contract, tort, warranty, or any other legal theory — shall not exceed the total amount you actually paid to LeaseDefend for the specific report or service giving rise to the claim. No other damages of any kind shall be recoverable. This limitation applies even if a remedy fails of its essential purpose.

Rights That Cannot Be Waived

Nothing in these Terms limits, waives, or reduces any right or remedy available to you under the Fair Credit Reporting Act or any other law that cannot be limited or waived by agreement. The disclaimers and limitations above apply only to the fullest extent such law permits, and where a limitation is prohibited, that limitation does not apply to you.

Termination & Law

Termination Rights

We may terminate or suspend your account immediately, without prior notice, if you breach these terms. You may delete your account and terminate your relationship at any time via your profile settings.

Governing Law

These terms shall be governed and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any legal action must be brought in appropriate courts.

Questions about these Terms?

If you have any questions or require clarification regarding these terms, please contact us at support@leasedefend.co.