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Terms of Service & User Agreement

Version 2026-07-26.1 · Effective Date: July 26, 2026

This Terms of Service and User Agreement ("Agreement") is a legally binding agreement between STS Automatic LLC, a South Carolina limited liability company, doing business as Prizm P.M. ("Prizm," "we," "our," or "us"), and the individual or entity accessing or using the Prizm P.M. website, mobile applications, APIs, and related services (collectively, the "Service").

BY CLICKING "CREATE ACCOUNT," CHECKING AN ACCEPTANCE BOX, INSTALLING THE APPLICATION, OR OTHERWISE ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THIS AGREEMENT AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.

1. Eligibility & Accounts

You must be at least eighteen (18) years old and legally capable of entering into a binding agreement.

You represent and warrant that:

  • all registration information is accurate and current;
  • you will promptly update inaccurate information;
  • you are authorized to create the account on behalf of any business entity you represent;
  • you will not create accounts using false identities.

You are solely responsible for:

  • safeguarding your login credentials;
  • maintaining the security of your devices;
  • enabling multi-factor authentication when offered;
  • immediately notifying us of unauthorized access;
  • all activity occurring under your account.

You may not share your account with another person without our written authorization.

2. Electronic Communications, E-Sign Consent & Messaging

By creating an account, you consent under the federal E-SIGN Act and applicable state UETA laws to receive all agreements, disclosures, invoices, receipts, notices, payment confirmations, legal notices, account alerts, and other communications electronically, and to sign records electronically.

Electronic communications and electronic signatures satisfy any legal requirement that such communications be provided in writing or signed. To access and retain them you need a current web browser, internet access, a valid email address, and the ability to view and save PDF documents.

You may withdraw consent to electronic delivery or request a paper copy by emailing property@prizmbi.xyz; because the Service operates electronically, withdrawing consent may require closing your account.

If you provide a mobile number, you consent to receive account, payment, and maintenance-related text messages from Prizm and, where enabled, from your Landlord through the Service. Message and data rates may apply; reply STOP to opt out of non-essential messages. Opting out of transactional messages may affect payment and maintenance notifications.

You are responsible for maintaining a valid email address and updating your contact information.

3. User Roles

Prizm supports two primary user roles:

Landlords

Landlords may:

  • manage rental properties
  • manage leases
  • collect rent
  • configure autopay
  • assess late fees
  • receive payouts
  • manage maintenance requests
  • upload documents
  • communicate with tenants

Tenants

Tenants may:

  • view lease information
  • make rent payments
  • enroll in autopay
  • submit maintenance requests
  • upload documents
  • communicate with landlords

Prizm is not:

  • a property manager;
  • a real estate broker;
  • a landlord;
  • a tenant;
  • a money transmitter;
  • an escrow company;
  • a collection agency;
  • a credit reporting agency;
  • a financial institution;
  • a law firm;
  • a tax advisor;
  • an accounting firm.

Nothing in this Agreement creates a fiduciary, agency, escrow, trustee, employment, partnership, joint venture, or representative relationship between Prizm and any user.

4. Payments, Stripe & Payouts

Payments are processed exclusively through Stripe, Inc. and its affiliates.

By using payment functionality you agree to Stripe's applicable agreements, including Stripe Connect where applicable.

Landlords must complete all required identity verification, tax verification, banking verification, and compliance reviews before receiving payouts.

Current fees are displayed before payment and may include:

  • transaction fees
  • payout fees
  • processing fees
  • optional card surcharges
  • configurable late-fee sharing

Fees may change prospectively.

ACH

ACH payments generally settle in 3–5 business days and may be reversed, returned, delayed, or rejected.

Chargebacks

Card transactions may be disputed or charged back.

Users remain responsible for any amounts owed regardless of chargebacks, ACH reversals, payment disputes, or returned payments.

Autopay

Enrollment in Autopay is your written authorization for recurring charges to the selected payment method on the schedule shown in the Service, in the amount then due (which may vary with rent changes, late fees, or other charges), until you cancel. We will show the next scheduled charge date and amount in the Service.

Cancellation applies only to future scheduled payments that have not already entered processing. Cancel or change Autopay at least three (3) business days before a scheduled charge. Revoking a bank authorization does not extinguish amounts owed under your lease.

Subscriptions & add-ons

Paid plans and optional add-ons bill in advance on a recurring basis at the price shown at checkout, renew automatically for successive periods until cancelled, and may be cancelled at any time effective at the end of the then-current billing period. Except where required by law, subscription fees are non-refundable and partial periods are not prorated. We may change subscription pricing with at least thirty (30) days' notice, effective at your next renewal. If a charge fails, we may retry, suspend paid features, and recover outstanding amounts from future payouts.

Refunds & disputes

Platform, subscription, and processing fees are non-refundable except where required by law.

Rent refunds, credits, deposits, and concessions remain solely between Landlord and Tenant. Review your receipts and statements promptly; notify us of a suspected error or unauthorized charge within sixty (60) days of the statement or receipt date so we can investigate.

Collection of amounts owed

If your account carries a negative balance from a reversal, return, chargeback, or fee, you authorize us to offset it against current or future payouts, re-present the charge, and, after notice, pursue reasonable costs of collection permitted by law.

Taxes

Fees are exclusive of taxes. Users are solely responsible for determining, collecting, reporting, and paying applicable taxes on rent and on their own operations, and for any tax reporting obligations arising from payouts (which are administered by Stripe).

5. Fraud Prevention, Payment Holds & Compliance

To protect the Service, users, and payment ecosystem, Prizm may:

  • temporarily delay payouts;
  • freeze accounts;
  • hold funds;
  • reverse transactions where permitted;
  • offset future payouts;
  • require additional identity verification;
  • request supporting documentation;
  • investigate suspicious activity;
  • cooperate with law enforcement;
  • permanently terminate fraudulent accounts.

Prizm reserves sole discretion to delay or suspend payouts while investigating:

  • fraud;
  • chargebacks;
  • ACH returns;
  • suspicious transactions;
  • sanctions compliance;
  • identity verification;
  • legal requests;
  • payment processor directives.

6. OFAC & AML Compliance

You represent that:

  • you are not located in a sanctioned jurisdiction;
  • you are not listed on any U.S. sanctions list;
  • you are not acting on behalf of sanctioned persons;
  • you will not use the Service for money laundering, terrorist financing, or unlawful financial activity.

Prizm may suspend accounts suspected of violating financial crime laws.

7. Acceptable Use

You agree not to:

  • violate any law;
  • violate landlord-tenant laws;
  • violate fair housing laws;
  • discriminate unlawfully;
  • upload unlawful content;
  • impersonate others;
  • harvest user information;
  • scrape the Service;
  • use bots without authorization;
  • reverse engineer the Service;
  • bypass rate limits;
  • attempt unauthorized penetration testing;
  • introduce malware;
  • interfere with Service operation;
  • use the Service for unlawful financial activity;
  • collect payments unrelated to lawful rental activity.

8. API & Automated Access

Unless expressly authorized in writing, users may not:

  • scrape data;
  • automate requests;
  • overload servers;
  • conduct denial-of-service attacks;
  • perform vulnerability scans;
  • bypass API limitations;
  • create competing services using Prizm data.

9. User Content

Users retain ownership of uploaded content.

You grant Prizm a worldwide, non-exclusive, royalty-free license to:

  • host;
  • store;
  • back up;
  • reproduce;
  • transmit;
  • display;
  • process;
  • modify solely for technical operation.

You represent that you possess all necessary rights and permissions.

10. Data Backup

Although commercially reasonable backup procedures are used, Prizm does not guarantee that any uploaded information can be recovered.

Users are solely responsible for maintaining independent backups of:

  • leases;
  • payment records;
  • maintenance history;
  • documents;
  • communications;
  • financial records.

11. Landlord-Tenant Relationship

Prizm is not a party to any lease.

All disputes involving:

  • rent;
  • deposits;
  • maintenance;
  • notices;
  • lease interpretation;
  • evictions;
  • legal compliance

remain solely between Landlord and Tenant.

Documents generated through the Service are convenience tools only and are not legal advice.

12. AI Features

Certain features may utilize artificial intelligence.

AI-generated:

  • leases;
  • notices;
  • summaries;
  • recommendations;
  • communications;
  • reports

may contain inaccuracies.

Users remain solely responsible for reviewing all AI-generated output before relying upon it.

13. Beta Features

Certain functionality may be designated:

  • Beta
  • Preview
  • Experimental
  • Early Access

These features may change, malfunction, or be discontinued without notice.

14. Third-Party Services

Prizm integrates with third-party providers including:

  • Stripe
  • Supabase
  • mapping providers
  • property information providers
  • cloud hosting providers

We are not responsible for their availability, pricing, security, or actions.

15. Intellectual Property

The Service and all associated software, trademarks, branding, algorithms, interfaces, source code, documentation, workflows, and designs remain the exclusive property of STS Automatic LLC and its licensors.

Except as expressly permitted, you may not:

  • copy;
  • reproduce;
  • mirror;
  • decompile;
  • reverse engineer;
  • resell;
  • sublicense;
  • white-label;
  • create derivative SaaS offerings;
  • use the Service or its data to train artificial intelligence or machine learning models;
  • remove proprietary notices.

16. Feedback

Any feedback submitted becomes licensed to Prizm on a perpetual, worldwide, irrevocable, royalty-free basis without compensation.

17. Monitoring

Prizm may monitor usage, investigate abuse, audit accounts, and review account activity to protect users, detect fraud, enforce this Agreement, and comply with legal obligations.

18. Suspension & Termination

Prizm may suspend or terminate accounts immediately for any reason including:

  • fraud;
  • non-payment;
  • abuse;
  • legal compliance;
  • security risks;
  • payment processor requirements;
  • violations of this Agreement.

Upon termination:

  • payment obligations survive;
  • tax records may be retained;
  • financial records may be retained;
  • backups may persist temporarily;
  • legal retention requirements continue to apply.

19. Service Availability

The Service is provided on an "AS AVAILABLE" basis.

Prizm does not guarantee:

  • uninterrupted availability;
  • uptime percentages;
  • error-free operation;
  • uninterrupted payment processing;
  • uninterrupted third-party integrations.

Scheduled maintenance may occur without prior notice.

20. Force Majeure

Prizm shall not be liable for delays or failures resulting from events beyond our reasonable control, including:

  • natural disasters;
  • acts of God;
  • fires;
  • floods;
  • power outages;
  • internet failures;
  • telecommunications failures;
  • cloud provider outages;
  • cyberattacks;
  • ransomware;
  • pandemics;
  • labor disputes;
  • governmental actions;
  • war;
  • terrorism;
  • payment processor failures;
  • banking delays.

21. Disclaimer of Warranties

The Service is provided "as is" and "as available."

To the maximum extent permitted by law, Prizm disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, accuracy, reliability, and continuous availability.

Prizm does not provide legal, accounting, tax, financial, investment, property management, or real estate advice.

22. Limitation of Liability

To the maximum extent permitted by law, Prizm shall not be liable for indirect, incidental, special, exemplary, consequential, or punitive damages, including lost profits, lost rent, lost data, lost goodwill, business interruption, or other economic losses.

Our total liability shall not exceed the greater of:

  • fees paid to Prizm during the preceding twelve (12) months; or
  • US$100.

23. Indemnification

You agree to defend, indemnify, and hold harmless STS Automatic LLC and its owners, members, employees, contractors, licensors, and affiliates from any claims arising from:

  • your use of the Service;
  • your uploaded content;
  • your violation of law;
  • landlord-tenant disputes;
  • payment disputes;
  • intellectual property claims;
  • your breach of this Agreement.

24. Export Controls

You agree not to use or export the Service in violation of United States export control or sanctions laws.

25. Governing Law & Venue

This Agreement is governed exclusively by the laws of the State of South Carolina without regard to conflict-of-law principles, and by the Federal Arbitration Act with respect to Section 26. The United Nations Convention on Contracts for the International Sale of Goods does not apply. For any claim not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in South Carolina and waive any objection to that forum.

26. Dispute Resolution, Arbitration & Class Action Waiver

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.

Informal resolution first

Before starting arbitration or any proceeding, you agree to send a written notice of dispute to property@prizmbi.xyz describing the claim and the relief sought, and to negotiate in good faith for sixty (60) days. This period tolls any applicable limitations period and is a condition precedent to filing.

Binding arbitration

Except for (a) claims involving intellectual property, (b) requests for temporary or injunctive relief, and (c) claims that qualify for small-claims court on an individual basis, all disputes arising out of or relating to this Agreement or the Service shall be resolved by final and binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules (for consumers) or Commercial Arbitration Rules (for businesses), before a single arbitrator. The seat of arbitration is South Carolina; hearings may be conducted by video or telephone, or on documents alone where the rules allow. The arbitrator has exclusive authority to decide arbitrability, and may award only individual relief. Judgment on the award may be entered in any court of competent jurisdiction. Filing and administrative fees are governed by the applicable AAA rules and fee schedules.

Jury trial and class action waiver

The parties waive any right to a jury trial and any right to bring or participate in a class, consolidated, collective, private attorney general, or representative action or class arbitration.

Opt-out

You may opt out of arbitration within thirty (30) days of first accepting this Agreement by emailing property@prizmbi.xyz with the subject line "Arbitration Opt-Out" and including your name and account email. Opting out does not affect any other provision.

Time limit

Unless prohibited by applicable law, any claim must be filed within one (1) year after it arises, or it is permanently barred.

27. Changes

Prizm may modify this Agreement at any time.

Material updates will be communicated through:

  • email;
  • in-app notifications;
  • updated publication date.

Continued use constitutes acceptance.

28. Confidentiality

Users agree not to disclose non-public information regarding:

  • internal administrative tools;
  • security measures;
  • proprietary workflows;
  • source code;
  • algorithms;
  • technical documentation.

29. Business Continuity & Assignment

Prizm may assign or transfer this Agreement without notice in connection with:

  • mergers;
  • acquisitions;
  • financing;
  • restructuring;
  • sale of assets;
  • sale of the Service.

Users may not assign this Agreement without prior written consent.

30. App Store Terms

If downloaded through Apple or Google marketplaces, users also agree to applicable marketplace terms.

Apple Inc. and Google LLC are not responsible for maintenance, support, or warranty obligations relating to the Service.

31. Copyright & DMCA

Prizm respects intellectual property rights and maintains a repeat-infringer termination policy.

Notices of claimed copyright infringement may be submitted to our designated agent at property@prizmbi.xyz (subject line "DMCA Notice"), c/o STS Automatic LLC, South Carolina, U.S.A.. To be effective under 17 U.S.C. § 512(c)(3), a notice must include:

  • a physical or electronic signature of the owner or authorized agent;
  • identification of the copyrighted work claimed to be infringed;
  • identification of the material claimed to be infringing and its location in the Service;
  • your contact information (address, telephone number, and email);
  • a statement of good-faith belief that the use is not authorized;
  • a statement, under penalty of perjury, that the information is accurate and you are authorized to act.

Prizm may remove or disable access to allegedly infringing content pending investigation. If your content was removed, you may submit a counter-notice containing the elements required by 17 U.S.C. § 512(g)(3), including consent to the jurisdiction of the federal district court for your address (or, if outside the United States, the District of South Carolina). Knowingly submitting a material misrepresentation may result in liability for damages under 17 U.S.C. § 512(f).

32. Credit Reporting Disclaimer

Prizm does not perform tenant screening, credit reporting, credit repair, debt collection, or consumer reporting services unless expressly stated within the Service.

33. Survival

The following provisions survive termination:

  • payment obligations;
  • indemnification;
  • arbitration;
  • governing law;
  • confidentiality;
  • intellectual property;
  • limitation of liability;
  • disclaimers;
  • fraud investigations;
  • record retention;
  • any provision intended by its nature to survive.

34. Notices

We may give notice to you by email to the address on your account, by in-app message, or by posting to the Service; such notice is deemed received when sent or posted. You must send legal notices to us in writing at property@prizmbi.xyz with the subject line "Legal Notice." Notices are effective upon our acknowledgment or five (5) business days after delivery, whichever is earlier.

35. Third-Party Beneficiaries

There are no third-party beneficiaries to this Agreement, except that (a) Apple Inc. and Google LLC are third-party beneficiaries of Section 30 and may enforce it, and (b) our payment processor and hosting providers are intended beneficiaries of the disclaimers, limitation of liability, and indemnification provisions to the extent claims relate to their services.

36. Interpretation & Severability

Headings are for convenience only. "Including" means "including without limitation." This Agreement shall not be construed against the drafting party. If any provision is held invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remainder shall continue in full force and effect. The sole exception is the class action waiver in Section 26: if it is held unenforceable, the entire arbitration provision is void as to the affected claims.

No waiver of any breach is a waiver of any other or subsequent breach, and no waiver is effective unless in writing signed by an authorized representative of STS Automatic LLC.

37. Relationship of the Parties & Data Roles

For records a Landlord uploads or generates about their Tenants, the Landlord is the controller (or business) of that information and Prizm acts as a processor (or service provider) that processes it only on documented instructions and as described in the Privacy Policy. For account, billing, security, and product-improvement data, Prizm acts as controller. Landlords represent that they have provided all notices and obtained all consents required to submit Tenant information to the Service.

38. Security Incidents & User Responsibility

We maintain administrative, technical, and organizational safeguards described in the Privacy Policy and will notify affected account holders without undue delay of a confirmed breach of security affecting their personal information, as required by applicable law. You must promptly report suspected unauthorized access, fraudulent transactions, or vulnerabilities to property@prizmbi.xyz and must not publicly disclose a suspected vulnerability before we have had a reasonable opportunity to remediate it. Failure to review statements and report unauthorized transactions within sixty (60) days may limit your remedies.

39. Fair Housing & Non-Discrimination

Landlords are solely responsible for compliance with the federal Fair Housing Act, the Americans with Disabilities Act, state and local fair housing and landlord-tenant laws, security-deposit and late-fee limits, notice requirements, and rent-regulation rules applicable to their properties. Prizm's templates, defaults, and automated features (including late fees and autopay) are configurable tools and do not constitute a determination that a given configuration is lawful in your jurisdiction.

40. Entire Agreement

This Agreement, together with the Privacy Policy and any incorporated policies, plan pages, or order forms, constitutes the complete and exclusive agreement between you and STS Automatic LLC regarding the Service and supersedes all prior or contemporaneous proposals, agreements, and understandings. In the event of a conflict, an executed written order form controls over this Agreement, and this Agreement controls over the Privacy Policy on matters other than privacy.

41. Contact Information

Prizm P.M.
Owned and operated by: STS Automatic LLC
South Carolina, U.S.A.
Email: property@prizmbi.xyz