Legal

Terms of Service

The agreement between you and Easy Impound covering the platform, your service term and fees, how Program funds are handled, and how disputes are resolved.

Effective date: [ADD EFFECTIVE DATE BEFORE PUBLISHING] · ON-Time Prop Pay LLC, doing business as Easy Impound

Agreement to these terms

These Terms of Service (the “Terms” or “Agreement”) govern access to and use of the Easy Impound technology platform (the “Platform”) operated by ON-Time Prop Pay LLC, a Wyoming limited liability company doing business as Easy Impound (“Easy Impound,” “Company,” “we,” “our,” or “us”).

By accessing the Platform, creating an account, or selecting “I Agree,” you (“User,” “Customer,” or “you”) acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, you may not access or use the Platform.

1. Definitions

For purposes of this Agreement, the following terms have the meanings set forth below:

“Account” means a Customer’s registered user account on the Platform.

“Customer Data” means all information, content, and data that the Customer provides to or through the Platform, including property information, insurance information, contact information, and payment information.

“Platform” means the Easy Impound technology platform, including all software, websites, mobile applications, application programming interfaces, dashboards, and related services made available by Easy Impound.

“Insurance Marketplace” means the optional feature of the Platform through which Customers may view, compare, and request quotes for property insurance products offered by third-party insurance carriers, managing general agents, or other insurance providers (“Insurance Providers”), as further described in Section 2.

“Privacy Policy” means the Easy Impound Privacy Policy available at easyimpound.com/privacy, as updated from time to time, which is incorporated into this Agreement by reference.

“Program” means the property tax and insurance payment program made available through the Platform, pursuant to which Customer Funds are held by Sponsor Bank for payment of property taxes and insurance premiums.

“Private Money LLC” means a limited liability company or other business entity that obtains financing through private, commercial, or hard-money lending sources, including but not limited to entities using such financing for fix-and-flip transactions, new construction, real estate development, bridge loans, or similar short-term or non-conventional real estate investment purposes. Classification of an account as a Private Money LLC is determined by Easy Impound in its reasonable discretion based on the information provided by the Customer at enrollment.

“Program Funds” means Customer deposits held by Sponsor Bank in connection with the Program for payment of property taxes and property insurance premiums. Program Funds do not include Technology Fees paid to Easy Impound.

“Sponsor Bank” means the federally chartered financial institution that holds Program Funds and provides banking, custody, and payment services associated with the Program. The current Sponsor Bank is identified in the Sponsor Bank account agreement provided to the Customer at the time of account opening.

“Sponsor Bank Account Agreement” means the deposit account agreement, terms, and disclosures provided by the Sponsor Bank to the Customer governing the Customer’s account with the Sponsor Bank.

“Technology Fees” means the fees payable by the Customer to Easy Impound for access to the Platform, as set forth in Section 8.

“Fee Payment Method” means the credit card or debit card (or other payment method expressly approved by Easy Impound) the Customer designates for payment of Technology Fees. The Fee Payment Method must be separate and distinct from the Program account held at the Sponsor Bank, and the Customer’s bank account used to fund Program deposits cannot serve as the Fee Payment Method.

“Service Term” means the twelve (12) month period during which a Customer is entitled to access the Platform pursuant to a paid service, as further described in Section 8.

2. Platform services

Easy Impound provides a technology platform designed to assist Customers in monitoring and organizing property-related financial obligations. Platform functionality may include:

property tax tracking;
property insurance tracking;
document management and storage;
account dashboards and reporting tools; and
access to Program accounts provided by the Sponsor Bank.

The Platform is intended to assist Customers with property financial organization but does not guarantee payment accuracy, payment timing, or compliance with any governmental, lender, insurance, or other requirement. Customers remain solely responsible for satisfying all property tax, insurance, and other financial obligations.

Insurance Marketplace

The Platform includes an optional Insurance Marketplace feature through which Customers may view, compare, and request quotes for property insurance products offered by independent, third-party Insurance Providers. The Insurance Marketplace is designed to help Customers evaluate available coverage options in a single, convenient location.

Opt-In and Opt-Out. Participation in the Insurance Marketplace is entirely voluntary. The Customer may opt in to the Insurance Marketplace at any time through the Platform. The Customer may also opt out of the Insurance Marketplace at any time through the Platform Account settings, and opting out will not affect the Customer’s access to any other Platform features, the Customer’s Service Term, or the Customer’s Program Funds. Opting out will immediately remove the Customer from receiving Insurance Marketplace offers, quotes, and related communications.

Presentation of Offers. Insurance quotes and product information displayed through the Insurance Marketplace are provided directly by the applicable Insurance Providers or their authorized representatives. Easy Impound may organize, display, filter, or rank available offers based on information provided by the Customer and the Insurance Providers, including but not limited to property location, property type, coverage requirements, and premium amounts. The order in which offers are displayed does not constitute a recommendation, endorsement, or ranking of preference by Easy Impound.

Easy Impound’s Role; Not an Insurance Agent or Broker. Easy Impound operates the Insurance Marketplace solely as a technology platform that facilitates the display and comparison of insurance products. Easy Impound does not:

act as an insurance agent, broker, producer, or intermediary;
sell, bind, underwrite, or administer any insurance policy;
provide insurance advice, recommendations, or coverage analysis;
guarantee the availability, accuracy, completeness, or suitability of any insurance quote, product, or coverage;
guarantee the financial condition, claims-paying ability, or performance of any Insurance Provider; or
handle, process, or adjudicate insurance claims.

Relationship with Insurance Providers. Any insurance policy obtained through the Insurance Marketplace constitutes a contract solely between the Customer and the applicable Insurance Provider. Easy Impound is not a party to any such contract and has no obligations or liability with respect to the terms, conditions, coverage, exclusions, cancellations, claims, or performance of any insurance policy. The Customer is solely responsible for reviewing and understanding the terms of any insurance policy before purchasing or binding coverage.

No Endorsement or Guarantee. The inclusion of any Insurance Provider or insurance product in the Insurance Marketplace does not constitute an endorsement, guarantee, or recommendation by Easy Impound. Easy Impound makes no representations or warranties regarding the quality, reliability, legality, suitability, or value of any insurance product, quote, or Insurance Provider. Customers should independently verify coverage details, policy terms, and the licensure and financial standing of any Insurance Provider before making a purchasing decision.

Data Sharing with Insurance Providers. By opting in to the Insurance Marketplace, the Customer authorizes Easy Impound to share relevant Customer Data (including property information, location, and coverage preferences) with participating Insurance Providers for the purpose of generating quotes and presenting available coverage options. Such data sharing is subject to the Privacy Policy. The Customer acknowledges that Insurance Providers may be subject to their own privacy policies and terms, and Easy Impound is not responsible for the data practices of Insurance Providers.

Customer Responsibility. The Customer remains solely responsible for maintaining adequate property insurance coverage as required by applicable law, any mortgage or lending agreement, or the Customer’s own judgment. Use of the Insurance Marketplace does not relieve the Customer of this responsibility. The Customer should not allow existing coverage to lapse in reliance on quotes or offers displayed through the Insurance Marketplace until a replacement policy has been bound and confirmed by the applicable Insurance Provider.

3. Banking and financial services; role of Easy Impound

Banking, custody, and payment services associated with the Platform are provided by Sponsor Bank, a federally chartered financial institution. Easy Impound acts solely as a technology service provider and program manager. Easy Impound does not:

accept deposits;
hold Customer funds;
transmit funds;
provide escrow services;
provide bill payment services; or
provide lending services.

All financial transactions are performed solely by the Sponsor Bank pursuant to the Sponsor Bank Account Agreement and applicable disclosures. The Customer acknowledges that, with respect to financial services, the Customer’s relationship is directly with the Sponsor Bank.

Use of Customer Funds. Program Funds deposited through the Platform are to be used exclusively for the payment of property taxes and property insurance premiums. Program Funds may not be used for any other purpose.

Access to Program Funds. A Customer may access their Program Funds at any time by withdrawing such funds or canceling participation in the Program through the Platform. Upon such cancellation or withdrawal request, the Customer’s Program Funds will be returned to the Customer within seven (7) to fourteen (14) business days, subject to any holds, processing requirements, or restrictions imposed by the Sponsor Bank or applicable law. The Customer’s right to withdraw Program Funds is unconditional and is not contingent on, and shall not be reduced, offset, withheld, or delayed by, the status of any Technology Fees or any other amounts owed by the Customer to Easy Impound.

Separation of Funds; No Deduction from Program Funds. Program Funds are held for the Customer’s benefit at the Sponsor Bank and are independent of the Technology Fee. The Customer’s right to withdraw Program Funds is absolute and is never conditioned on, reduced by, or offset against any fee, Early Termination Fee, or other amount owed to Easy Impound. Easy Impound never accesses, holds, or applies Program Funds to collect any fee. This principle controls over any conflicting provision in these Terms. Program Funds and Technology Fees are separate and independent:

Program Funds held at the Sponsor Bank are used exclusively for the payment of property taxes and property insurance premiums, and may not be used for any other purpose.
Technology Fees are charged exclusively to the Customer’s Fee Payment Method, which must be a credit card or debit card (or other payment method expressly approved by Easy Impound). The Fee Payment Method must be separate and distinct from the Program account held at the Sponsor Bank and from the bank account used to fund Program deposits; the same account may not serve both purposes.
Easy Impound has no right, and shall not attempt, to debit, deduct, offset, withhold, or otherwise access Program Funds held at the Sponsor Bank to collect unpaid Technology Fees or any other amounts owed by the Customer to Easy Impound.
The Customer’s obligations with respect to Technology Fees and the Customer’s rights with respect to Program Funds are independent. Neither affects the other.

No Money Transmission. Easy Impound does not receive, hold, transmit, or control Customer funds. Easy Impound is not a money transmitter, money services business, or escrow agent and is not licensed as such. All receipt, custody, and transmission of Customer funds associated with the Program is performed by the Sponsor Bank pursuant to the Sponsor Bank Account Agreement.

Sponsor Bank Disclosure. Customer acknowledges that, prior to account opening, Customer has been provided with, has had the opportunity to review, and has accepted the Sponsor Bank Account Agreement and related disclosures. The Sponsor Bank Account Agreement governs Customer’s relationship with the Sponsor Bank with respect to all banking and financial services. In the event of any conflict between this Agreement and the Sponsor Bank Account Agreement with respect to banking or financial services, the Sponsor Bank Account Agreement shall control with respect to such services.

No Financial Advice. Easy Impound does not provide legal, tax, financial, insurance, or investment advice. Information provided through the Platform is for informational purposes only. Customers should consult appropriate professionals regarding financial, legal, tax, or insurance decisions.

4. Insufficient funds; account pause; program cancellation

4.1 Pre-Debit Balance Verification

Before each scheduled Program deposit, Easy Impound verifies the available balance of the Customer’s Linked Bank Account through its third-party account connectivity provider (currently Plaid Inc., the “Balance Verification Provider”). If the verified available balance is insufficient to cover the scheduled deposit (an “Insufficient Balance Event”), no ACH debit will be initiated. The Customer authorizes Easy Impound and the Balance Verification Provider to access and verify Linked Bank Account balance information for this purpose. Easy Impound is not responsible for inaccurate, delayed, or unavailable balance data supplied by the Balance Verification Provider or the Customer’s bank.

4.2 Insufficient Funds Notice

Upon an Insufficient Balance Event, Easy Impound will notify the Customer by email and, where the Customer has provided a mobile telephone number, by SMS text message. Notifications will begin on or promptly after the date of the Insufficient Balance Event and will continue daily for up to fourteen (14) calendar days, or until the scheduled deposit is successfully completed, whichever occurs first. These notifications are operationally essential communications under Section 8 and may not be opted out of while the Customer maintains an active Account.

4.3 Re-Verification and Deposit Attempts

Following an Insufficient Balance Event, Easy Impound will re-verify the Linked Bank Account balance approximately every three (3) business days. If a re-verification confirms sufficient available funds, the scheduled ACH debit will be initiated under the Customer’s existing authorization. If a debit initiated after successful balance verification is nonetheless returned unpaid, the return will be treated as an Insufficient Balance Event under this Section, and a returned item fee may apply as disclosed in the Regulation E Disclosure and applicable fee schedule.

4.4 Account Pause

If the scheduled deposit has not been successfully completed within ten (10) business days after the initial Insufficient Balance Event, the Customer’s participation in the Program will be paused (an “Account Pause”). During an Account Pause: (a) no ACH debits for Program deposits will be initiated and no further balance verifications will be scheduled; (b) billing of the Customer’s Technology Fee will be suspended, and no Technology Fee installments will be charged or accrue for the duration of the Account Pause; and (c) no disbursements for property taxes or insurance premiums will be scheduled or made on the Customer’s behalf. Easy Impound will notify the Customer of the Account Pause by email and, where available, SMS.

4.5 Restoration Period

The Customer will have thirty (30) calendar days from the date of the Account Pause notice (the “Restoration Period”) to restore the Account by (a) funding the Linked Bank Account (or designating a new Linked Bank Account) and (b) successfully resuming scheduled Program deposits through the Platform. Upon restoration, Technology Fee billing will resume, and Easy Impound will provide the Customer with an updated deposit schedule, which may reflect increased deposit amounts necessary to remain on track for upcoming tax and insurance obligations, subject to the notice requirements of the Regulation E Disclosure.

4.6 Program Cancellation and Refund

If the Customer has not restored the Account and resumed Program deposits by the end of the Restoration Period, the Customer’s participation in the Program will terminate. Upon such termination, all Program Funds held at the Sponsor Bank will be returned to the Customer’s Linked Bank Account (the originating account) within seven (7) to fourteen (14) business days, subject to any holds, processing requirements, or restrictions imposed by the Sponsor Bank or applicable law, consistent with Section 3. Termination under this Section does not waive any Technology Fees accrued and unpaid prior to the Account Pause. For the avoidance of doubt, termination under this Section 4 shall not trigger acceleration of Technology Fee installments under Section 8.

4.7 No Duty to Advance Funds

Easy Impound and the Sponsor Bank pay property taxes and insurance premiums solely from available Program Funds in the Customer’s Account. Neither Easy Impound nor the Sponsor Bank has any obligation to advance, lend, or otherwise supply funds to cover any shortfall in the Customer’s Account, and neither shall have any liability for any tax payment, insurance premium, penalty, interest, lien, lapse in insurance coverage, or other consequence resulting from insufficient Program Funds, an Insufficient Balance Event, an Account Pause, or Program cancellation.

4.8 Customer’s Continued Sole Responsibility

The Customer at all times remains solely responsible for the timely payment of all property taxes, insurance premiums, and related obligations on the Customer’s property, regardless of enrollment status, any Insufficient Balance Event, Account Pause, or Program cancellation. Easy Impound strongly encourages Customers whose Accounts are paused or cancelled to make arrangements to pay their property taxes and insurance premiums directly.

5. User accounts; customer representations

Eligibility. To create an Account and use the Platform, the Customer represents and warrants that the Customer:

is at least eighteen (18) years of age;
is a legal resident of the United States;
has the legal capacity and authority to enter into this Agreement;
owns, or has authority to manage property-related financial obligations for, the property identified in the Customer’s Account;
will provide a valid credit card or debit card as the Fee Payment Method for Technology Fees, which must be separate from the bank account used to fund Program deposits; and
will provide accurate and complete information.

Account Information. The Customer agrees to:

provide accurate and complete information at registration;
maintain updated property information;
maintain updated insurance information;
maintain updated contact information; and
safeguard Account login credentials.

The Customer is responsible for all activities conducted through the Account. The Customer must immediately notify Easy Impound of any unauthorized access, suspected security breach, or compromise of credentials.

6. Platform license

Subject to the Customer’s compliance with this Agreement, Easy Impound grants the Customer a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform for the Customer’s personal property financial management purposes during the Service Term. The Customer may not:

copy, modify, or create derivative works of the Platform;
reverse engineer, decompile, or disassemble any portion of the Platform, except to the extent expressly permitted by applicable law;
attempt to gain unauthorized access to the Platform or related systems;
rent, lease, sell, sublicense, or otherwise transfer Platform access to any third party; or
use the Platform for the benefit of any third party, except as expressly authorized by Easy Impound.

All rights not expressly granted are reserved by Easy Impound and its licensors.

7. Data authorization; privacy

By using the Platform, the Customer authorizes Easy Impound to access, retrieve, store, use, and verify information related to:

property tax obligations;
property ownership records;
insurance policies;
payment records; and
other property-related financial data.

The Customer grants Easy Impound a limited, non-exclusive, royalty-free license to use Customer Data to operate, improve, support, secure, and provide the Platform and related services, and to comply with legal obligations. Easy Impound’s collection, use, and disclosure of personal information is described in the Privacy Policy, which is incorporated into this Agreement by reference. By accepting this Agreement, the Customer also acknowledges and accepts the Privacy Policy.

Communications Consent. By creating an Account, the Customer consents to receive transactional and account-related communications from Easy Impound by email and, where the Customer has provided a mobile telephone number, by SMS text message. Such communications may include account notifications, payment alerts, security notices, renewal reminders, and other operationally necessary messages. Standard message and data rates may apply. The Customer may opt out of non-essential marketing communications at any time through Account settings or by following unsubscribe instructions provided in such communications. The Customer may not opt out of operationally essential communications while maintaining an active Account.

Data Security. Easy Impound maintains commercially reasonable administrative, technical, and physical safeguards designed to protect Customer Data against unauthorized access, use, alteration, or disclosure. However, no system can be guaranteed secure. The Customer is responsible for safeguarding Account credentials and promptly reporting suspected unauthorized access.

8. Service term and technology fees

Account Setup

Every property enrolled on the Platform is subject to a one-time, non-refundable (except as provided in the Refunds section below) account setup fee (the “Setup Fee”) charged at the time of enrollment. The Setup Fee compensates Easy Impound for the following distinct onboarding services performed at or promptly following enrollment, each of which delivers standalone value to the Customer independent of ongoing Platform access:

Property Data Research and Verification: Easy Impound researches and verifies the enrolled property’s county tax records, including parcel identification numbers, assessed values, applicable tax rates, installment amounts, and current and upcoming delinquency dates from the applicable county or taxing authority.
Payment Calendar Construction: Based on the verified tax data, Easy Impound constructs a property-specific payment calendar identifying all tax installment due dates, delinquency dates, and recommended deposit amounts for the Service Term.
Account Configuration and Bank Integration: Easy Impound configures the Customer’s Platform account, establishes the connection to the Customer’s Linked Bank Account through the Balance Verification Provider (currently Plaid Inc.), and sets up the automated deposit schedule with the Sponsor Bank.
Property Serviceability Assessment: Easy Impound assesses whether the enrolled property can be serviced based on the availability of county-level tax data and other relevant data sources. If Easy Impound determines that it is unable to service the property, the Setup Fee is refunded as described in the Refunds section below.
Insurance Data Gathering (if applicable): For Customers who opt in to the Insurance Marketplace, Easy Impound gathers and organizes initial property data (including property type, location, square footage, and coverage history where available) to facilitate the generation of insurance quotes from participating Insurance Providers.

Upon completion of the onboarding services described above, the Customer receives a fully configured property profile, verified tax data, and a customized payment calendar — deliverables that the Customer retains regardless of whether the Customer continues to access the Platform or renews the Service Term. The Setup Fee varies by account type as follows:

Personal Account (bank account held in the Customer’s individual name): sixty United States dollars ($60.00) per property.
LLC / Business Account (bank account owned by a limited liability company, corporation, partnership, or other business entity): one hundred United States dollars ($100.00) per property.
Private Money LLC Account: three hundred United States dollars ($300.00) per property.

A property’s account type is determined by the ownership of the linked bank account, not the ownership reflected on the property deed or title. If the bank account associated with a property is owned by an LLC or other business entity, the property will be classified and billed at the LLC / Business rate regardless of how the deed is held.

Annual Technology Fee

Easy Impound offers an annual technology platform service with a fixed twelve (12) month Service Term. The Service Term begins on the date the Customer activates a paid service and continues for twelve (12) consecutive months. Annual technology fee rates are determined by the property’s account type and the Customer’s total active property count, as set forth below.

Personal Account Properties

Properties 1 through 2: $99.00 per year or $10.00 per month each.
Properties 3 through 4: $60.00 per year or $7.99 per month each.
Properties 5 and above: $60.00 per year or $7.99 per month each.

LLC / Business Account Properties

Properties 1 through 2: $120.00 per year or $15.00 per month each.
Properties 3 through 4: $99.00 per year or $10.00 per month each.
Properties 5 and above: $60.00 per year or $7.99 per month each.

Private Money LLC Account Properties

Private Money LLC properties are subject to the same annual fee rates as LLC / Business Account properties (with the higher Setup Fee described above):

Properties 1 through 2: $120.00 per year or $15.00 per month each.
Properties 3 through 4: $99.00 per year or $10.00 per month each.
Properties 5 and above: $60.00 per year or $7.99 per month each.

Volume Tier Rules

The volume-based pricing tiers described above are subject to the following rules:

Tiers are determined by the Customer’s total active property count across all account types combined.
A mix of Personal, LLC / Business, and Private Money LLC properties all count toward the same tier thresholds; however, the technology fee rate applied at each tier is always determined by the individual property’s account type.
Volume discounts apply only to currently active properties. Historical property counts do not qualify a Customer for a lower tier.
If a property becomes inactive, Easy Impound will notify the Customer of the resulting change to applicable volume tier rates. Such re-tiering will take effect thirty (30) days after the date of such notice or at the beginning of the next billing cycle, whichever is later.
Discounts cannot be carried forward from previously held properties.

Pricing Example

The following illustrative example demonstrates how volume tier pricing applies to a Customer with a mix of account types. Assume a Customer enrolls six (6) properties: two (2) Personal Account properties and four (4) LLC / Business Account properties.

Property 1 (Personal, Tier 1): $99.00/yr
Property 2 (LLC / Business, Tier 1): $120.00/yr
Property 3 (Personal, Tier 2): $60.00/yr
Property 4 (LLC / Business, Tier 2): $99.00/yr
Property 5 (LLC / Business, Tier 3): $60.00/yr
Property 6 (LLC / Business, Tier 3): $60.00/yr

Total annual technology fees: $498.00. One-time Setup Fees for this example: $60.00 + $60.00 + $100.00 + $100.00 + $100.00 + $100.00 = $520.00. First-year total: $1,018.00.

This example is for illustrative purposes only and does not include any applicable state-specific surcharges. Actual fees depend on the Customer’s account types, total active property count, and property locations.

State-Specific Surcharges

Technology fee rates may be subject to additional state-specific surcharges based on the location of the enrolled property and the availability of county-level tax data. The following state-specific surcharges currently apply:

Pennsylvania: Properties located in the Commonwealth of Pennsylvania are currently subject to an additional annual surcharge per property, added to the applicable annual fee rate regardless of whether the Customer has elected the annual prepayment option or the monthly installment option. The amount of such surcharge is published on the Platform and is subject to change based on county tax data availability.
Texas: Certain properties located in Texas may be subject to an additional annual surcharge per property, depending on the availability of county-level tax data for the applicable jurisdiction. Easy Impound will notify the Customer of any such surcharge at the time of enrollment or at the beginning of a Service Term in which the surcharge first applies.

State-specific surcharge amounts are subject to change based on county tax data availability and other factors. Easy Impound will notify the Customer of any change to applicable surcharge amounts, and any such change will take effect at the beginning of the next Service Term following at least thirty (30) days’ prior notice. Easy Impound reserves the right to add surcharges for additional states or remove existing surcharges as data availability conditions change, with the same notice requirements.

Payment Options

For each enrolled property, the Customer may elect either of the following payment methods:

(a) Annual Prepayment Option: A single prepaid payment of the applicable annual fee rate (plus any state-specific surcharges) charged on the activation date for the full Service Term.

(b) Monthly Installment Option: Twelve (12) consecutive monthly installments of the applicable monthly rate (plus any state-specific surcharges prorated monthly) charged on the activation date and on each subsequent monthly anniversary thereof.

Selection of either payment option constitutes agreement to the Service Term and applicable Technology Fee rates described herein, subject to the cancellation and Early Termination Fee provisions set forth below.

Fee Payment Method

At signup and throughout the Service Term, the Customer must provide and maintain on file a valid credit card or debit card (or other payment method expressly approved in advance by Easy Impound) as the Fee Payment Method for all Technology Fees. The Fee Payment Method must be separate and distinct from:

the Program account held at the Sponsor Bank; and
the bank account the Customer uses to fund Program deposits (i.e., deposits of Program Funds intended for property taxes and insurance).

The same bank account or payment instrument may not simultaneously serve as both the Fee Payment Method and the source of Program deposits.

Updates and Maintenance. The Customer is responsible for keeping the Fee Payment Method current, valid, and funded. If the Fee Payment Method expires, is declined, is revoked, or is otherwise unavailable, the Customer must promptly update the Fee Payment Method through the Platform.

Suspension for Non-Compliance. If the Customer’s Fee Payment Method is declined, expired, revoked, or otherwise unavailable, Easy Impound will notify the Customer and provide a grace period of fourteen (14) calendar days from the date of such notice to update or replace the Fee Payment Method (the “Cure Period”). During the Cure Period, the Customer’s access to the Platform will continue without interruption. If the Customer fails to provide a valid Fee Payment Method within the Cure Period, Easy Impound may suspend or terminate Platform access. Any such suspension or termination does not waive any unpaid Technology Fees or any applicable Early Termination Fee and does not affect the Customer’s right to withdraw Program Funds as described in Section 3.

Term; Cancellation; Early Termination Fee

Term. The Service Term is twelve (12) months. The Customer may cancel at any time through the Platform Account settings or by written notice to Easy Impound at the address in Section 23.

Early Termination Fee. If the Customer cancels before the end of the Service Term, the remaining installment obligation ends and, in its place, the Customer owes a single Early Termination Fee (“ETF”) equal to the lesser of (i) two (2) monthly installments at the applicable rate or (ii) the installments that would otherwise remain unpaid. The ETF is capped at two (2) monthly installments regardless of the number of months remaining in the Service Term. The parties agree the ETF is a reasonable, good-faith pre-estimate of Easy Impound’s unrecovered onboarding and servicing costs, that actual damages would be difficult to determine, and that the ETF is not a penalty. No installments beyond the ETF accelerate.

Prepayment. A Customer who prepaid annually and cancels before the end of the Service Term will receive a refund of the unused, full-month portion of the prepaid fee less the ETF. In no event will a Customer who prepaid annually be charged any amount beyond what was already prepaid.

Tax Payment Blackout Period

Because Easy Impound coordinates the disbursement of Program Funds for property tax payments on the Customer’s behalf, cancellation, pause, or other withdrawal from the Program is subject to the following timing restriction tied to the applicable state tax delinquency date(s) for the Customer’s enrolled property (each, a “Delinquency Date”).

Cancellation Deadline. The Customer must submit any request to cancel, pause, or otherwise withdraw from the Program no later than fourteen (14) calendar days before the next applicable Delinquency Date for the Customer’s property (the “Cancellation Deadline”). Cancellation requests received on or before the Cancellation Deadline will be processed in accordance with the cancellation and Early Termination Fee provisions of this Section 8, and any Program Funds not yet disbursed will be returned to the Customer in accordance with Section 3.

Blackout Period. If the Customer does not cancel on or before the Cancellation Deadline, the Customer’s participation in the Program will continue through the applicable Delinquency Date, and Easy Impound will disburse Program Funds for the scheduled tax payment as planned (the period from the Cancellation Deadline through the completion of the tax disbursement is the “Blackout Period”). During the Blackout Period, cancellation, pause, and withdrawal requests will not be processed. The Customer remains responsible for all Technology Fees during the Blackout Period.

Resumption of Cancellation Rights. Once the Blackout Period ends and the applicable tax disbursement has been completed, normal cancellation terms resume immediately. The Customer may then cancel, pause, or withdraw from the Program at any time, subject to the next upcoming Cancellation Deadline. This cycle repeats for each successive Delinquency Date applicable to the Customer’s property during the Service Term.

Multiple Delinquency Dates. Some states impose multiple tax delinquency dates per year. In such cases, a separate Cancellation Deadline and Blackout Period applies to each Delinquency Date. Easy Impound will make the applicable Delinquency Dates and corresponding Cancellation Deadlines available to the Customer through the Platform.

Effect on Program Funds. This Section does not affect the Customer’s right to withdraw Program Funds under Section 3, subject to the timing provisions below. If the Customer’s cancellation request is received after the Cancellation Deadline, Program Funds that have already been allocated for the upcoming tax disbursement will be disbursed for that purpose. Any remaining Program Funds will be returned to the Customer following the completion of the disbursement, in accordance with Section 3. If the Customer requests a return of Program Funds within fourteen (14) calendar days following a Delinquency Date, the Customer will be notified that the applicable property tax payment has already been disbursed on the Customer’s behalf and that the disbursed amount is no longer available for return. Easy Impound is not responsible for recovering or reversing tax payments that have already been submitted to the applicable taxing authority. The Customer’s sole recourse for any overpayment or refund of property taxes paid on the Customer’s behalf is directly with the applicable county or taxing authority. Any Program Funds not disbursed for tax payments remain available for return to the Customer in accordance with Section 3.

Method of Collection. Easy Impound will bill only earned Technology Fee amounts and, where applicable, any Early Termination Fee to the Customer’s Fee Payment Method on file. No unearned installments are charged and no amount accelerates except as expressly stated above. Stopping the ACH pull of Program deposits, causing an ACH reject, or withdrawing bank authorization is not a breach and triggers no fee, charge, acceleration, or liquidated damages. If a properly owed amount is declined, Easy Impound’s sole remedy is to pursue it as an ordinary unsecured debt; Easy Impound will never offset, deduct, or draw against Program Funds, which are returned per Section 3.

Independence of Obligations. Cancellation of the Platform service, any applicable Early Termination Fee, and any unpaid Technology Fees shall not affect, reduce, or delay the Customer’s right to withdraw Program Funds held by Sponsor Bank as described in Section 3. The Customer’s Program Funds shall be returned in accordance with Section 3 regardless of the status of any Technology Fee obligation.

Right to Cancel; No Penalty for Payment-Method Changes

The Customer may cancel at any time as described above. The Customer’s right to withdraw and receive back Program Funds is unconditional and cannot be reduced, delayed, conditioned, or offset by any owed or disputed fee. Changing, removing, or expiring a Fee Payment Method, causing an ACH reject, or revoking authorization for the ACH pull of Program Funds is expressly permitted, is not a breach, and triggers no fee, penalty, acceleration, or liquidated damages. Any earned, unpaid Technology Fee remains collectible only against the Fee Payment Method or through ordinary debt collection — never against Program Funds.

Automatic Renewal

Each Service Term will automatically renew for successive twelve (12) month terms at the then-current annual fee rate, charged to the Customer’s payment method on file, unless the Customer cancels prior to the renewal date. Customers may cancel auto-renewal at any time during the Service Term through the Platform Account settings or by contacting Easy Impound at the address in Section 23. Cancellation of auto-renewal will not result in a refund of fees already paid for the then-current Service Term and will not waive any applicable Early Termination Fee under this Section 8. Easy Impound will provide renewal reminders and cancellation instructions in accordance with applicable law, including, where applicable, the California Automatic Renewal Law and similar state laws.

Refunds; Fee Changes

All Technology Fees and Setup Fees are non-refundable except where required by applicable law; provided, however, that if Easy Impound determines that it is unable to service a property due to the unavailability of county-level tax data or other data access limitations beyond the Customer’s control, Easy Impound will refund the Setup Fee paid for that property. Technology Fees and state-specific surcharges may be updated for future Service Terms with at least thirty (30) days’ prior notice to the Customer. The Customer may cancel auto-renewal prior to the effective date of any fee increase to avoid being charged the new rate. Easy Impound reserves the right to lower fees or offer discounts and promotions at its sole discretion.

9. Prohibited use

The Customer agrees not to use the Platform for, or in connection with, any of the following:

illegal activities or activities that violate applicable law;
fraud or misrepresentation;
money laundering or terrorist financing;
violations of economic sanctions or trade restrictions;
identity theft;
unauthorized access to systems, networks, or accounts;
interference with the security, integrity, or operation of the Platform;
submission of false, misleading, or inaccurate information; or
any use that violates this Agreement, the Sponsor Bank Account Agreement, or applicable law.

Easy Impound reserves the right to investigate suspected violations and to cooperate with law enforcement and regulatory authorities.

10. Third-party services

The Platform relies on, and integrates with, third-party service providers, including:

the Sponsor Bank and other banking institutions;
payment networks and processors;
identity verification, KYC, and fraud prevention providers;
property and insurance data providers; and
cloud hosting, infrastructure, and other technology vendors.

Easy Impound does not control, and is not responsible for, the availability, accuracy, performance, or acts or omissions of third-party service providers, except to the extent expressly provided in this Agreement.

11. Disclaimer of warranties

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE.”

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EASY IMPOUND EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY OF INFORMATION, TITLE, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

Easy Impound does not warrant that the Platform will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Platform or any servers used to provide it are free of viruses or other harmful components. No advice or information, whether oral or written, obtained by the Customer from Easy Impound or through the Platform shall create any warranty not expressly stated in this Agreement.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to the Customer. In such jurisdictions, the warranties disclaimed above are limited to the minimum extent permitted by law.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER PARTY SHALL BE LIABLE TO THE OTHER FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

lost profits;
lost data;
lost business opportunities; or
financial losses arising from missed payments or delays.

Easy Impound is not responsible for losses arising from:

Sponsor Bank or other bank processing errors;
government or tax authority errors or processing delays;
insurance carrier delays or processing errors;
payment network delays or failures; or
failures of third-party services described in Section 10.

THE TOTAL AGGREGATE LIABILITY OF EASY IMPOUND ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) FIVE HUNDRED UNITED STATES DOLLARS ($500.00) OR (B) THE TOTAL SUBSCRIPTION FEES PAID BY THE CUSTOMER TO EASY IMPOUND DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Exceptions to Limitation of Liability

The exclusions of damages and liability cap set forth in this Section shall not apply to, and shall not limit liability arising from: (a) a party’s indemnification obligations under this Agreement; (b) a party’s breach of its confidentiality obligations; (c) infringement or misappropriation of the other party’s intellectual property rights; (d) a party’s gross negligence, willful misconduct, or fraud; (e) the Customer’s payment obligations to Easy Impound, including any accelerated installments under Section 8; or (f) any liability that cannot be limited or excluded under applicable law.

The limitations and exclusions in this Section shall apply regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, and shall apply even if a party has been advised of the possibility of such damages and notwithstanding the failure of any limited or exclusive remedy of its essential purpose.

13. Indemnification

The Customer agrees to indemnify, defend, and hold harmless Easy Impound and its officers, directors, employees, affiliates, agents, and service providers (including the Sponsor Bank) from and against any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

the Customer’s violation of this Agreement;
the Customer’s misuse of the Platform;
the Customer’s submission of inaccurate, false, or misleading information;
the Customer’s failure to comply with property tax, insurance, or other financial obligations; or
the Customer’s violation of applicable law or any third-party rights.

14. Account suspension or termination

Easy Impound may suspend or terminate the Customer’s access to the Platform if:

the Customer breaches this Agreement;
fraud or other illegal activity is suspected;
inaccurate or misleading information has been provided;
regulatory or legal requirements require termination; or
security risks are identified.

Termination may occur without prior notice where reasonably necessary to protect the Platform, comply with law, or prevent harm. Termination by Easy Impound for cause does not entitle the Customer to a refund of Technology Fees and does not waive any applicable Early Termination Fee or unpaid Technology Fees under Section 8. Following any termination, the Customer’s right to withdraw Program Funds held by Sponsor Bank continues to be governed by Section 3 and the Sponsor Bank Account Agreement.

15. Arbitration agreement

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES WITH EASY IMPOUND THROUGH BINDING INDIVIDUAL ARBITRATION INSTEAD OF IN COURT AND LIMITS THE WAYS YOU CAN SEEK RELIEF.

Any dispute, claim, or controversy arising out of or relating to this Agreement, the Platform, or the relationship between the Customer and Easy Impound (each, a “Dispute”) shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, rather than in court, except as provided below.

The arbitration shall be conducted by a single arbitrator. The arbitration shall take place in the county of the Customer’s residence, or by telephone or videoconference at the Customer’s option. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Exceptions. The following are not subject to arbitration: (a) small-claims court actions brought on an individual basis; and (b) actions to enjoin infringement or misappropriation of intellectual property rights.

Right to Opt Out. The Customer may opt out of this arbitration agreement by sending written notice to Easy Impound at the address in Section 23 within thirty (30) days after first accepting this Agreement. Opting out will not affect any other provision of this Agreement.

16. Class action waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALL DISPUTES MUST BE RESOLVED ON AN INDIVIDUAL BASIS. THE CUSTOMER AND EASY IMPOUND EACH WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR CONSOLIDATED PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING.

If this class action waiver is found to be unenforceable, then the entirety of Section 15 (Arbitration Agreement) shall be null and void with respect to the affected Dispute, but the remainder of this Agreement shall remain in full force and effect.

17. Intellectual property

All Platform technology, software, content, designs, trademarks, logos, service marks, trade dress, and other intellectual property are owned by Easy Impound or its licensors and are protected by United States and international intellectual property laws. The Customer acquires no ownership rights in the Platform. Unauthorized use of Easy Impound’s intellectual property is prohibited.

Customer Data remains the property of the Customer. The Customer grants Easy Impound only the limited license set forth in Section 7 and the Privacy Policy.

Easy Impound may collect, use, and aggregate de-identified, anonymized, or statistical data derived from use of the Platform for any lawful business purpose, including improving the Platform and its services.

18. Force majeure

Easy Impound shall not be liable for any delay or failure to perform under this Agreement due to events beyond its reasonable control, including:

acts of God or natural disasters;
government actions, orders, or regulations;
war, terrorism, or civil unrest;
pandemics or public health emergencies;
network, internet, or telecommunications outages;
cyber incidents or attacks;
labor disputes; or
banking system or payment network disruptions.

19. Assignment

Easy Impound may assign or transfer this Agreement, in whole or in part, in connection with any merger, acquisition, sale of assets, corporate reorganization, financing, or operation of law, without notice to or consent of the Customer. The Customer may not assign or transfer this Agreement or any rights or obligations under it without Easy Impound’s prior written consent. Any unauthorized assignment is void.

20. Governing law

This Agreement is governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict-of-laws principles. Subject to the arbitration agreement in Section 15, any judicial proceeding shall be brought exclusively in the state or federal courts located in Wyoming, and the parties consent to the personal jurisdiction of such courts.

Nothing in this Agreement shall be construed to deprive the Customer of any non-waivable rights afforded under the laws of the Customer’s state of residence.

21. Electronic consent and signatures

By creating an Account, accessing the Platform, or selecting “I Agree,” the Customer consents to the use of electronic records, electronic signatures, and electronic disclosures. The Customer acknowledges and agrees that:

electronic disclosures satisfy any legal requirement for written communications;
electronic acceptance constitutes a legally binding signature; and
records may be retained, delivered, and signed electronically.

This consent is provided in accordance with the Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”) and applicable state laws. The Customer may withdraw consent to electronic communications by closing the Account; withdrawal of consent does not affect the legal validity of records or signatures previously created.

22. General provisions

Entire Agreement. This Agreement, together with the Privacy Policy and the Sponsor Bank Account Agreement, constitutes the entire agreement between the Customer and Easy Impound regarding the Platform and supersedes all prior or contemporaneous agreements, communications, or understandings, whether written or oral, regarding its subject matter. No oral modifications shall be effective.

Modifications. Easy Impound may modify this Agreement from time to time. Material modifications will be communicated to the Customer by email, in-Platform notification, or updated posting on the Platform with reasonable advance notice. Continued use of the Platform after the effective date of any modification constitutes acceptance of the modified Agreement. If the Customer does not agree to a modification, the Customer’s sole remedy is to cancel the Account; provided, however, that no modification shall increase Technology Fees for the then-current Service Term or impair the Customer’s right to withdraw Program Funds.

Severability. If any provision of this Agreement is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to be enforceable while preserving the parties’ original intent.

No Waiver. No failure or delay by Easy Impound in exercising any right under this Agreement shall constitute a waiver of that right. No waiver of any provision shall be effective unless in writing and signed by Easy Impound.

Notices. Easy Impound may provide notices to the Customer by email to the address on file, by in-Platform notification, or by posting on the Platform. The Customer must provide notices to Easy Impound at the address in Section 23, or by such other method as Easy Impound may designate. Notices are deemed given when sent.

Survival. The following Sections survive termination of this Agreement: Section 1 (Definitions), Section 8 (with respect to any Early Termination Fee and unpaid amounts), Section 11 (Disclaimer of Warranties), Section 12 (Limitation of Liability), Section 13 (Indemnification), Section 15 (Arbitration), Section 16 (Class Action Waiver), Section 17 (Intellectual Property), Section 20 (Governing Law), and this Section 22.

Relationship of the Parties. The relationship between the Customer and Easy Impound is that of independent contracting parties. Nothing in this Agreement creates any partnership, joint venture, agency, fiduciary, or employment relationship between the parties.

Headings. Section headings are for convenience only and do not affect interpretation.

23. Contact information

ON-Time Prop Pay LLC

Easy Impound