Terms of Service & Privacy Policy

1. Acceptance of Terms

By accessing and using Rowhouse ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Rowhouse provides a platform for student organizations and clubs to manage dues, track payments, manage rosters, send notifications, and handle financial operations. The Service facilitates payment processing through third-party providers including Stripe.

Merchant of Record and Fund Ownership

Rowhouse is the merchant of record for all payments made through the Service. Funds received are owned by Rowhouse and are not held in trust, escrow, or custody for any organization or user. Any balances, budgets, or spending limits displayed in the Service represent internal accounting allocations and do not constitute stored value or funds owned by users or organizations.

Card Issuance and Authorized Users

Virtual cards are issued to Rowhouse by a regulated financial institution through Stripe Issuing. Organization administrators may be designated as authorized users and may incur expenses on behalf of Rowhouse, subject to spending limits and controls established by Rowhouse. All card transactions are Rowhouse transactions. Cards are for commercial use only and may not be used for personal expenses.

Not a Financial Institution

Rowhouse is not a bank, money transmitter, or financial institution. Rowhouse does not provide banking, custodial, or money transmission services.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Payment Processing

All payment transactions are processed by Stripe, a third-party payment processor. By using our payment features, you agree to Stripe's terms of service and privacy policy. Rowhouse does not store or have access to your complete payment card information.

All payments made to organizations through the Service are paid to Rowhouse as the merchant of record. Users pay Rowhouse, not individual clubs or organizations. Rowhouse owns all funds received and may allocate internal budgets or spending limits for organizational use within the platform. These allocations do not create any ownership interest or entitlement to withdraw funds.

5. User Conduct

You agree not to use the Service to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious code
• Harass, abuse, or harm other users
• Engage in fraudulent activities
• Use platform-issued cards for personal expenses or prohibited purposes
• Misrepresent organizational authority or fund ownership

6. Fees and Payments

Certain features of the Service may require payment. All fees are non-refundable unless otherwise stated. We reserve the right to modify our pricing at any time with reasonable notice.

7. Termination

We reserve the right to suspend or terminate your account at any time for violations of these terms or for any other reason at our sole discretion.

8. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the Service will be uninterrupted, secure, or error-free.

9. Limitation of Liability

Rowhouse shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service.

1. Information We Collect

We collect information you provide directly to us, including:

• Name, email address, and phone number
• University or organization affiliation
• Payment information (processed securely through Stripe)
• Club membership and attendance data
• Communications and correspondence

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Service
• Process payments and transactions
• Send notifications and reminders
• Communicate with you about the Service
• Monitor and analyze usage patterns
• Detect and prevent fraud or abuse

3. Information Sharing

We do not sell your personal information. We may share your information with:

• Service providers who assist in operating the Service (e.g., Stripe for payments)
• Other members of your organization as necessary for club operations
• Law enforcement when required by law

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information. However, no method of transmission over the internet is 100% secure.

5. Payment Information

Payment card information is processed directly by Stripe and is never stored on our servers. We follow PCI-DSS best practices for handling payment data.

6. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience, analyze usage, and provide personalized features. You can control cookie preferences through your browser settings.

7. Your Rights

You have the right to:

• Access and update your personal information
• Request deletion of your data
• Opt out of marketing communications
• Export your data

8. Data Retention

We retain your information for as long as necessary to provide the Service and comply with legal obligations. You may request deletion of your account at any time.

9. Children's Privacy

Our Service is intended for users who are at least 13 years old. We do not knowingly collect information from children under 13.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.