Payment Terms & Conditions

Acceptance & Scope

These Payment Terms & Conditions ("Payment Terms") govern your use of the electronic payment features of the OnlyHOA platform (the "Platform") operated by OnlyHOA LLC ("OnlyHOA," "we," "us"). They supplement our Terms of Service, Privacy Policy, and Data Processing Addendum. By authorizing a payment or enrolling in automatic payments, you agree to these Payment Terms and to the applicable payment authorization you submit at that time. In these Payment Terms, "Association" means the homeowners or community association (or its management company) to which you are making a payment.

What OnlyHOA Does — and What the Payment Providers Do

OnlyHOA provides software that enables authorized users to initiate and record payments to their Association. OnlyHOA does not maintain consumer deposit accounts and does not, as a general practice, take custody of your funds. The financial transaction itself — moving money from your card or bank account to your Association — is executed by independent third-party payment service providers and financial institutions, including payment processors, card networks, ACH service providers, and bank-verification providers.

When you make a payment, you submit a payment instruction through the Platform; the applicable payment service provider then carries out the transaction. Your use of a provider's service is also subject to that provider's own terms and privacy policy, which you accept when you enter your payment details or link an account. The identities of our current payment and verification providers are described in our Privacy Policy and subprocessor disclosures. We may change or add providers; a change will not reduce your rights under applicable law.

Whether OnlyHOA is a "payment processor" or subject to particular payment-related laws depends on the specific transaction configuration and applicable law. These Payment Terms describe what OnlyHOA actually does functionally; they are not a legal classification of OnlyHOA.

Amounts Owed Are Determined by Your Association

Your Association determines what you owe — assessments, dues, fines, late charges, interest, and any other amounts — under its governing documents and applicable law. The Platform's software may calculate and display balances, late fees, interest, and payment allocations using the fee schedules, rates, and policies your Association configures. OnlyHOA does not independently decide what you owe and is not responsible for the correctness of the underlying obligation. Questions about an amount, a credit, or whether a refund is owed must be directed to your Association or management company.

Payment Authorization

When you submit a one-time payment, you authorize a single charge to the payment card, or a single debit (ACH) from the bank account, that you designate, in the amount shown to you before you confirm.

You represent and warrant that: (a) you are the owner of, or are authorized to use, the card or bank account; (b) the account information you provide is accurate; and (c) the payment is for an amount you legitimately owe your Association.

Bank (ACH) authorization. By submitting a bank payment through the Platform, you authorize the applicable payment service provider, acting pursuant to the payment instruction you submit through OnlyHOA, to initiate the authorized electronic debit from the account you designate, in the amount and on or about the date indicated, and you authorize your financial institution to honor that debit. For recurring payments, this authorization continues until you cancel it as described in Section 6, allowing the provider and your bank a reasonable opportunity to act.

Fees

Depending on the payment method and your Association's configuration, one or more of the following may apply, and each will be clearly displayed to you before you authorize the payment so you can cancel first:

• a convenience or processing fee that your Association elects to pass through on certain payment methods;
• a payment-provider processing fee charged by the third-party provider; and
• a platform fee retained by OnlyHOA for providing the payment software.

Fees may be flat or a percentage and may differ between card and bank (ACH) payments. Once a payment has been processed, fees are generally non-refundable except as required by law. For recurring payments where the amount varies, any percentage-based fee is calculated on the actual amount at the time of processing. Applicable law may limit certain fees; nothing here authorizes a fee prohibited by law or your Association's governing documents.

Automatic Payments (AutoPay)

If you enroll in AutoPay, you authorize recurring charges or debits on the schedule you select until you cancel. AutoPay may be a fixed amount or a variable amount (for example, the balance or amount then due for a given assessment). By enrolling, you authorize each recurring payment in the amount then determined under your Association's configuration for the scheduled date. We retain a record of your authorization — including the authorization text and version, your identity, the date and time, the account or payment token reference, the schedule, and how the amount is determined — and will provide you a copy on request.

Where required by law, you will be notified of the amount and date of an upcoming variable payment, or of a material change in amount, before it is processed. AutoPay does not change the amounts you owe your Association; canceling AutoPay does not cancel any assessment or other amount legitimately owed.

Canceling AutoPay vs. Stopping a Bank Payment

Canceling AutoPay. You may cancel or change AutoPay at any time in the Platform, or by emailing support@onlyhoa.com. To stop the next scheduled payment, submit your request enough in advance for us and the provider to act — ordinarily at least three (3) business days before the scheduled date. A request received later may not stop a payment already in processing.

Your bank stop-payment rights are separate. Once a payment instruction has entered processing, OnlyHOA may be unable to cancel it. Nothing in these Payment Terms limits any stop-payment, revocation, or other right you have directly with your financial institution under applicable law.

Returned Payments & Insufficient Funds

If a payment is returned by your financial institution (for example, insufficient funds, a closed account, or a stop-payment), the payment service provider may re-present it to the extent permitted by applicable payment-network rules. You remain responsible for the full amount owed to your Association. Your Association may assess returned-payment charges, late charges, or other consequences under its governing documents; OnlyHOA does not set and is not responsible for those Association charges. OnlyHOA does not itself decide to re-present a returned payment beyond the provider's standard handling and your Association's configuration.

Refunds & Corrections

Whether a refund or credit is owed is determined by your Association, not by OnlyHOA. Where your Association authorizes a refund, it may be initiated through the Platform and executed by the payment service provider back to the original payment method, subject to provider rules and timing. Third-party processing fees already incurred may be non-refundable. If you believe you were charged in error — for example a duplicate debit, a wrong amount, or a payment applied to the wrong account — contact us promptly (Section 11) so we can route the matter to your Association and the provider for correction.

Your Rights for Electronic Fund Transfers

Bank (ACH) payments from a consumer account are electronic fund transfers that may be protected by the federal Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq.) and Regulation E (12 C.F.R. Part 1005). Required consumer disclosures, error-resolution procedures, and unauthorized-transfer protections are provided by the payment service provider and your own financial institution, whose terms you accept when you authorize a payment or link an account. Nothing in these Payment Terms waives or limits any right you have under the EFTA, Regulation E, or other consumer-protection law that cannot be waived by agreement.

If you believe a payment was unauthorized or an error occurred, contact us promptly — and no later than sixty (60) days after the statement showing the problem — so we can help route your request to the appropriate provider and your financial institution, in addition to any notice you give your bank directly.

Reporting a Payment Problem — Where to Start

If something looks wrong — a duplicate debit, a wrong amount, an unauthorized payment, a missing payment, a payment to the wrong association, an ACH return, or a card dispute — contact support@onlyhoa.com with your name, the account or property, the amount, and the date. As a general guide:

• Whether an amount is owed, or a refund/credit is due — your Association decides; OnlyHOA will route you there.
• How a transaction was executed, returned, or disputed — the payment service provider and your financial institution handle under their terms; we help route it.
• Something in the software (e.g., a payment shown against the wrong record) — OnlyHOA will investigate and correct.

This routing does not reallocate or waive any non-waivable statutory right you have against any party.

Card Payments & Account Security

Card and bank details are collected through the payment provider's secure, hosted fields or pages. OnlyHOA does not receive or store your full payment-card number or card security code, and does not store your full bank account or routing numbers. Where you enter or link an account, that information is transmitted to and handled by the payment or verification provider; OnlyHOA retains only limited, masked identifiers (such as the card brand and the last four digits, or a payment token) needed to display and manage your payment methods.

Electronic Receipts & Records; Consent to Electronic Records

You consent to receive payment confirmations, receipts, authorization records, and related disclosures electronically (by email and within the Platform). Receipts identify the transaction without exposing full card or bank-account numbers. You may withdraw consent to electronic records or request a paper copy by contacting support@onlyhoa.com, though doing so may limit your ability to use the electronic payment features. You may request a copy of any recurring-payment authorization at any time.

Disputes & the Underlying Obligation

Disputing a payment transaction with your card issuer, bank, or the payment provider addresses that transaction; it does not by itself determine whether the amount is owed to your Association. Likewise, canceling AutoPay or a payment method does not cancel assessments, fines, or other amounts you legitimately owe. Questions about the underlying obligation are resolved with your Association under its governing documents and applicable law. These Payment Terms preserve your statutory consumer rights.

Currency & Eligibility; Limitation of Liability

All payments are processed in U.S. dollars for accounts located in the United States. To the maximum extent permitted by law, OnlyHOA is not liable for indirect, incidental, special, or consequential damages arising from the payment features, and is not responsible for the acts, omissions, or failures of a third-party payment service provider or your financial institution — except to the extent required by the EFTA, Regulation E, or other non-waivable law. This section does not limit any consumer right that cannot be limited by agreement, and is subject to the limitations in our Terms of Service.

Precedence, Changes & Governing Law

For payment matters, these Payment Terms and the specific payment or AutoPay authorization you submit govern over a conflicting general provision of the Terms of Service; a signed customer agreement with your Association's management company governs the commercial relationship with that customer. We may update these Payment Terms; material changes will be posted here with an updated date and, where required, communicated before they take effect. Continued use of the payment features after the effective date constitutes acceptance. These Payment Terms are governed by the laws of the State of Nevada, without regard to conflict-of-laws rules, consistent with the dispute-resolution provisions of our Terms of Service.

Contact

OnlyHOA LLC · 732 S 6th St, Ste N, Las Vegas, NV 89101 · support@onlyhoa.com. For questions about an amount you owe, a credit, or whether a refund is due, contact your association or management company.