These Terms & Conditions (Terms) govern your access to and use of the PoolSpace platform (PoolSpace, we, us, or our).

By accessing or using PoolSpace, you agree to be bound by these Terms. If you do not agree, you may not use the platform.

PoolSpace is a technology platform that enables users to coordinate shared-household rent splits, monthly rent collection, shared expense collection, and payment-status tracking.

PoolSpace facilitates payment coordination and enables rent or household expense payments to be transferred to a designated recipient through Stripe.

• PoolSpace does not hold, custody, or store funds.
• PoolSpace does not provide banking, escrow, lending, tenancy, or investment services.
• All payment processing, identity verification, and payouts are handled by Stripe, our third-party payment services provider.

PoolSpace is not a bank, money transmitter, or financial institution.

• Pool or Collection: a rent or household expense collection page created for a specific shared-household purpose.
• Organizer: the person who creates and manages a Pool or Collection.
• Contributor or Payer: a person who makes a payment toward rent or shared household expenses.
• Recipient: the verified individual or entity designated to receive funds, such as an organizer or landlord.
• Contribution or Payment: a payment made to a Pool or Collection.
• Payment Provider: Stripe or any authorized third-party payment processor.

To use PoolSpace, you must be at least 18 years old, have legal capacity to enter binding agreements, and use the platform only for lawful purposes.

PoolSpace may suspend or terminate access at its discretion.

By creating a Pool or Collection, you represent and warrant that all information provided is accurate and not misleading, that you have authority to collect rent or shared household expenses for the stated purpose, that the purpose is lawful, and that the designated Recipient has consented to receive funds where applicable.

Organizers are solely responsible for the accuracy of all Pool or Collection content, including rent amounts, due dates, split amounts, payment destination, and household expense details.

Before payouts are enabled, the Recipient must complete identity verification through Stripe and bank account details must be submitted and verified directly with Stripe.

PoolSpace does not independently verify bank ownership beyond Stripe's verification processes.

Rent and shared expense payments are processed through the selected connected Stripe account as payments are made. For connected Organizers or Recipients, the Stripe account country and currency determine the currency used for Pools or Collections. Stripe pays available balances to the connected bank account according to that account's payout schedule. A due date, end date, or recurring cycle controls when payments are due or stop; it does not by itself initiate a separate PoolSpace-controlled payout.

Stripe may delay, restrict, or cancel transactions or payouts in accordance with its regulatory obligations. Once funds are transferred to the Recipient by Stripe, PoolSpace has no control over the use of those funds.

By making a payment, you confirm that you reviewed the Pool or Collection details, understand the amount due, understand who the Recipient is, and understand applicable fees.

Payments are generally non-refundable once processed. Payers may dispute a payment directly with their card issuer in accordance with applicable consumer protection laws and card network rules.

PoolSpace does not guarantee refunds and is not responsible for payment reversals initiated through banks or card networks.

PoolSpace does not currently charge a service fee per rent or shared expense payment. Stripe payment processing fees apply.

• All applicable fees are clearly displayed before payment.
• Stripe processing fees are non-refundable except where required by law or Stripe's rules.
• PoolSpace may introduce or modify fees with notice.

All payments are processed by Stripe. By making a payment, you also agree to Stripe's terms of service and privacy policy.

• PoolSpace does not store card details.
• PoolSpace does not process payments directly.
• PoolSpace is not liable for payment processor errors, outages, or compliance decisions.

After a Pool or Collection receives its first payment, payment-sensitive fields may be locked to preserve payment history and protect payers. The designated Recipient cannot be changed, verified payout details cannot be modified without additional verification, and the Pool or Collection may not be canceled if doing so would conflict with Stripe's payment, payout, dispute, or compliance processes. For recurring custom split rent collections, scheduled amount changes apply only from the selected future cycle onward and do not rewrite past cycle history.

These restrictions exist to protect payment history and payer transparency.

You may not use PoolSpace to commit fraud or misrepresentation, launder money or evade laws, fund illegal activity, raise funds for prohibited items under Stripe's Acceptable Use Policy, or impersonate another person.

PoolSpace may suspend or terminate accounts involved in prohibited activity.

PoolSpace and Stripe may monitor Pools for suspicious activity, pause or suspend Pools pending review, and comply with law enforcement or regulatory requests.

We are not required to provide advance notice of suspension.

To the fullest extent permitted by law, PoolSpace is not liable for disputes between Organizers, Payers, housemates, landlords, or Recipients; misuse of funds after payout; payment reversals or chargebacks; delays or failures caused by Stripe; or indirect, incidental, or consequential damages.

Your use of the platform is at your own risk.

You agree to indemnify and hold harmless PoolSpace, its officers, and affiliates from any claims, damages, or losses arising from your use of the platform, your Pool content, or your violation of these Terms.

All PoolSpace branding, software, and content are owned by PoolSpace. You may not copy, modify, or distribute any part of the platform without written permission.

PoolSpace processes personal information in accordance with its Privacy Policy and applicable United States data protection laws.

We may update these Terms from time to time. Continued use of the platform after updates constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Delaware, unless otherwise required by applicable consumer protection laws.