Terms of Service — FINCAHQ

Effective Date: July 5, 2026 · Last Updated: July 5, 2026

Please read these Terms of Service carefully before using FincaHQ. By accessing or using our platform, you agree to be bound by these terms.

1. Acceptance of Terms

By creating an account or using FincaHQ ("the Service"), you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the Service. These terms apply to all users, including landlords, property managers, and any other individuals who access the platform.

2. Description of Service

FincaHQ is a cloud-based property management SaaS platform operated by 904 Estate LLC. The Service provides tools for managing properties, tenants, payments, maintenance requests, leases, documents, and vendor relationships. We also provide an AI-powered assistant to help with property management tasks.

3. Account Registration

To use FincaHQ, you must create an account with a valid email address and password. You are responsible for:

Maintaining the confidentiality of your account credentials
All activity that occurs under your account
Ensuring the information you provide is accurate and current
Notifying us immediately of any unauthorized use of your account

4. Free Trial

FincaHQ offers a 15-day free trial with full access to all platform features. No credit card is required to start a trial. At the end of the trial period, access will be suspended until a subscription plan is selected and payment is made.

5. Subscription Plans & Billing

FincaHQ offers the following monthly subscription plans:

Starter — $29.00/month — Up to 10 units
Pro — $79.00/month — Up to 50 units
Premium — $199.00/month — Unlimited units + AI

Subscriptions are billed monthly in advance. Payments are processed securely through Stripe. You authorize us to charge your payment method on a recurring monthly basis until you cancel.

6. Cancellation

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. You will retain access to the platform until the period ends. We do not prorate partial months.

7. Acceptable Use

You agree not to use FincaHQ to:

Violate any applicable laws or regulations
Store or transmit unlawful, fraudulent, or harmful content
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the integrity of the Service
Reverse engineer or attempt to extract our source code
Use the platform for any purpose other than lawful property management

8. Data Ownership

You own all data you enter into FincaHQ, including property information, tenant records, and financial data. We do not sell or share your data with third parties for marketing purposes. We process your data solely to provide and improve the Service.

9. Intellectual Property

FincaHQ, its logo, design, and software are the intellectual property of 904 Estate LLC. You may not copy, modify, distribute, or create derivative works of any part of our platform without written permission.

10. Limitation of Liability

FincaHQ is provided "as is" without warranties of any kind. To the maximum extent permitted by law, 904 Estate LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability to you shall not exceed the amount paid by you in the 12 months preceding the claim.

11. Termination

We reserve the right to suspend or terminate your account if you violate these Terms. Upon termination, your access to the Service will cease. You may request a copy of your data within 30 days of termination.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes via email. Continued use of the Service after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms are governed by the laws of the State of New York, United States. Any disputes shall be resolved in the courts of New York.

14. Contact

For questions about these Terms, contact us at:
Email: support@fincahq.com
Company: 904 Estate LLC, Patchogue, NY

Privacy Policy — FINCAHQ

Effective Date: July 5, 2026 · Last Updated: July 5, 2026

FincaHQ is committed to protecting your privacy. This policy explains how we collect, use, and protect your information.

1. Who We Are

FincaHQ is operated by 904 Estate LLC, a property management software company based in Patchogue, New York. We provide cloud-based tools for landlords and property managers. For privacy questions, contact us at support@fincahq.com.

2. Information We Collect

Account Information: When you register, we collect your name, company name, and email address.

Property & Tenant Data: Information you enter about your properties, tenants, leases, payments, and maintenance requests. This data belongs to you.

Payment Information: We use Stripe to process payments. We do not store your full credit card number. Stripe handles all payment data securely under their own privacy policy.

Usage Data: We may collect anonymized data about how you use the platform (pages visited, features used) to improve our Service.

3. How We Use Your Information

To provide, operate, and maintain the FincaHQ platform
To process your subscription payments through Stripe
To send account-related emails (receipts, trial reminders, updates)
To respond to your support requests
To improve the platform based on usage patterns
To comply with legal obligations

4. Data Sharing

We do not sell, rent, or share your personal data with third parties for marketing purposes. We only share data with:

Stripe — for payment processing
Supabase — our secure database provider
Anthropic — to power the AI assistant feature (anonymized queries only)
Law enforcement, if required by applicable law

5. Data Security

We implement industry-standard security measures including:

Row-level security ensuring each user can only access their own data
Encrypted connections (HTTPS/TLS) for all data in transit
Secure authentication via Supabase Auth
No storage of plain-text passwords

6. Data Retention

We retain your data for as long as your account is active. If you cancel your account, your data will be retained for 30 days to allow for reactivation, then permanently deleted upon request.

7. Your Rights

You have the right to:

Access the personal data we hold about you
Request correction of inaccurate data
Request deletion of your account and data
Export your data in a portable format
Opt out of non-essential communications

To exercise any of these rights, email us at support@fincahq.com.

8. Cookies

FincaHQ uses essential cookies only — for authentication and session management. We do not use tracking or advertising cookies.

9. Children's Privacy

FincaHQ is not directed at children under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us data, contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email. The updated policy will be posted on this page with a new effective date.

11. Contact

For privacy-related questions or requests:
Email: support@fincahq.com
Company: 904 Estate LLC, Patchogue, NY

Refund Policy — FINCAHQ

Effective Date: July 5, 2026 · Last Updated: July 5, 2026

We want you to be fully satisfied with FincaHQ. This policy outlines when and how refunds are issued.

1. Free Trial

FincaHQ offers a 15-day free trial with no credit card required. We encourage all users to fully explore the platform during the trial period before subscribing. Because you can try the full platform for free, refunds are not automatically issued simply because a trial was not used.

2. Monthly Subscriptions

All monthly subscription payments are generally non-refundable. When you subscribe, you are paying for access to the platform for the full billing month. We do not prorate or refund partial months.

3. Exceptions — When We Do Refund

We will issue a full refund in the following circumstances:

Duplicate charge: If you were charged more than once for the same subscription period
Technical failure: If a verified technical issue on our end prevented you from accessing the platform for more than 72 consecutive hours during your paid period
Unauthorized charge: If a charge was made without your authorization and you notify us within 7 days
New subscriber dissatisfaction: If you subscribed for the first time and request a refund within 7 days of your first charge, we will issue a one-time courtesy refund

4. How to Request a Refund

To request a refund, contact us at support@fincahq.com with:

Your account email address
The date of the charge
The reason for your refund request

We will review your request and respond within 3 business days. Approved refunds will be returned to the original payment method within 5-10 business days depending on your bank or card issuer.

5. Cancellations

You may cancel your subscription at any time. Cancellation stops future charges but does not trigger a refund for the current billing period. You will retain full access to FincaHQ until the end of your paid period.

6. Chargebacks

We ask that you contact us before initiating a chargeback with your bank. We are committed to resolving any issues fairly and promptly. Initiating a chargeback without contacting us first may result in account suspension.

7. Changes to This Policy

We reserve the right to update this Refund Policy at any time. Changes will be posted on this page with an updated effective date.

8. Contact

For refund requests or billing questions:
Email: support@fincahq.com
Company: 904 Estate LLC, Patchogue, NY
Response time: Within 3 business days