Terms & Conditions

1. Introduction

These Terms and Conditions (the "Terms") are an agreement between you and Kera Property Technologies Inc ("Kera", "we", "us", or "our") governing your use of the Kera property management platform and services (the "Platform"). By creating an account or otherwise accepting these Terms when presented to you, you agree to these Terms. Our Privacy Policy explains how we handle personal information. These Terms apply to landlords, tenants, applicants, property managers, and other authorized users. Acceptance of these Terms does not itself authorize a payment, enroll you in AutoPay, or amend a lease; payment authorization is addressed separately in Section 6.

Mandatory rights prevail. Nothing in these Terms, a payment authorization, or a separate service agreement excludes or waives rights or duties that cannot lawfully be excluded, including applicable residential tenancy, consumer protection, privacy, and payment rights. This rule applies throughout these Terms, including all disclaimers, liability limits, releases, indemnities, refund provisions, and dispute provisions. A description of a fee or service does not determine its legal treatment or authorize a charge prohibited by law.

2. General Terms of Use

2.1 Account Registration

To access Kera's services, all users must create an account. You must provide accurate, complete, and current information during registration and keep your account information updated. Each user is responsible for maintaining the confidentiality of their login credentials and for all activities that occur under their account. You must be at least 18 years old (or the age of majority in your jurisdiction) to use Kera. By registering, you represent that you are legally capable of entering into this agreement. Accepting an invitation to join Kera as a tenant or property manager and/or agreeing to lease terms via Kera constitutes acceptance of these Terms. If you are using Kera on behalf of an organization (such as a property management company or property owner), you represent that you have authority to bind that organization to these Terms.

2.2 Platform Usage

Kera provides software for managing rental properties, communicating, executing or storing leases, keeping records, and facilitating payments. Kera is not the landlord or tenant and is not a party to a lease or property management agreement. Kera does not guarantee performance of those agreements and does not provide legal, brokerage, lending, or insurance services through these Terms.

Kera may also supply optional payment services, including AutoPay where available, directly to a user under Section 6 ("Kera Payment Services"). In offering and charging for those services, Kera contracts with the user in its own name and for its own account. A Kera Payment Service Fee is charged for that separate service, not collected for a landlord or property manager. Kera's provision of software to a landlord does not authorize that landlord to impose Kera's optional service on a tenant. These descriptions do not displace any obligations that applicable law imposes on Kera based on its actual activities.

2.3 User Conduct and Compliance

You agree to use Kera only for lawful purposes and in compliance with all applicable laws and regulations. Landlords and property managers are responsible for complying with all landlord-tenant, housing, and privacy laws in their jurisdiction, including (for U.S. users) federal, state, and local fair housing laws and credit reporting laws, and (for Canadian users) applicable provincial/territorial residential tenancy laws and privacy legislation. Discrimination or harassment is strictly prohibited. You must not upload or transmit any false, misleading, defamatory, obscene, or illegal content via Kera. You represent and warrant that you have all necessary rights and permissions to use any data you input into the Platform (for example, you will only provide another person's personal information – such as a tenant's or co-signer's details – if you have legal authority or that person's consent to do so). If you become aware of unauthorized use of your account or any security breach, you must notify Kera immediately. Kera reserves the right to suspend or terminate your account for any violation of these Terms or misuse of the Platform.

2.4 Modifications to Terms

We may revise these Terms and will update the "Last updated" date. For material changes, we will provide notice by email or in the Platform before the changes take effect, identifying the effective date and providing any notice period required by law. Changes apply prospectively. We will obtain affirmative agreement where required by law; continued use is acceptance only where legally sufficient. Payment fee changes are also subject to Section 6.2, and a Terms update alone does not expand an existing payment authorization. If you decline revised terms, you may stop using the affected service and contact support@getkera.com. Declining or ending a Kera service does not itself terminate a tenancy or remove statutory rights.

3. Landlords

This section applies to users who are property owners or landlords using Kera to manage rental properties.

Account and Eligibility

By registering as a landlord on Kera, you certify that you are the owner of the property or have the legal authority to rent out and manage the property. If you are acting on behalf of an entity (such as an LLC or corporation that owns the property), you represent that you have authority to bind that entity. You must provide valid identification and any required information for payment processing (including information needed by our payment processor, Stripe, for identity verification and compliance purposes).

Listings and Property Information

You are responsible for all information you post or input about your rental properties (e.g. unit address, description, rent amount, lease terms). All such information must be accurate and not misleading. You may use Kera to upload lease agreements or other documents; by doing so, you confirm you have the right to those documents. Kera does not verify property listings or lease terms, so you are solely responsible for ensuring your listings and leases are lawful and correct.

Compliance with Laws

Landlords agree to comply with all applicable housing and tenancy laws. This includes following fair housing laws (you may not discriminate against tenants or applicants based on protected characteristics) and privacy laws when handling tenant information. If you use Kera to evaluate prospective tenants (including via background checks or credit reports), you acknowledge that you are a "user" of consumer reports and will comply with laws like the U.S. Fair Credit Reporting Act (FCRA) or Canadian credit reporting laws. For example, if you take an adverse action (such as denying an application) based on a background or credit report, you are solely responsible for providing any required notices to the applicant. Kera is not responsible for your compliance with these legal obligations.

Inviting and Managing Tenants

You may invite tenants to join Kera and connect to a lease. When you invite a tenant to Kera, you are responsible for ensuring that the tenant's email or contact information is correct. By inviting a tenant and upon the tenant accepting the invite, a connection is established on the Platform for that specific rental property. Any lease agreement or terms presented to the tenant (whether through Kera or externally) are solely between you and the tenant. Kera may provide tools to electronically sign or store lease agreements, but Kera is not a party to those contracts and makes no warranty as to their enforceability.

Rent Collection and Payments

Landlords may use available payment features to collect rent and other lawful amounts. You are responsible for the legal basis, accuracy, due dates, and required notices for every charge you enter. Inclusion in a lease or the availability of a Platform field does not make a charge lawful. You must follow Section 6, maintain accurate receiving account details, reconcile receipts, and resolve disputes about the underlying tenancy amounts. Kera does not guarantee that a tenant will pay or that a payment will remain free of returns or disputes.

You must offer tenants an available, reasonable way to pay rent without a fee imposed by you, your property manager, or Kera for using that method. Where you accept Interac e-Transfer, tenants may use it without a Kera Payment Service Fee; another agreed method may be used instead. You must give tenants clear payment instructions and may not make an optional paid Kera service or automatic payment authorization a condition of obtaining or continuing a tenancy. You must not penalize a tenant for declining it or treat an unpaid Kera Payment Service Fee as rent arrears. You remain responsible for required rent receipts and for complying with applicable payment-method rules.

Maintenance and Communications

Kera may provide a maintenance request system and messaging tools. As a landlord, you are responsible for responding to maintenance requests and communications from tenants in a timely manner. Kera may send you notifications of tenant requests, but Kera is not responsible for performing any maintenance or ensuring you fulfill your duties. All obligations to repair, maintain, or otherwise service the rental unit as required by law or lease remain solely with you.

Prohibited Use

You must not use Kera to engage in any unlawful conduct, such as collecting application fees or deposits in jurisdictions or manners not permitted, or attempting to circumvent tenant protection laws. Any attempt to use Kera to defraud tenants or any other party will result in account termination and potential legal action.

4. Tenants

This section applies to users who are tenants or prospective tenants using Kera (typically after being invited by a landlord or property manager).

Account and Accuracy of Information

When you are invited to Kera by a landlord or property manager, you must create a tenant account and provide requested information truthfully. This may include personal details, rental application information, references, employment and income information, etc. You acknowledge that the landlord or property manager will rely on this information in evaluating your tenancy. Providing false or misleading information may result in denial of your application or termination of your lease or account.

Acceptance of Lease Terms

By using Kera to join a property, you may be asked to review and sign a lease or rental agreement (either within Kera or externally). By accepting an invitation to a property and agreeing to the lease terms, you also agree to these Kera Terms and Conditions. You understand that the lease agreement is a contract solely between you and your landlord (or the property owner/manager) and that Kera is not a party to that lease and has no liability arising from it. Any disputes or questions about the lease (such as conditions of the property, promises made by the landlord, etc.) must be resolved with your landlord, not Kera.

Use of Platform Features

Tenants may use Kera's features to pay rent, submit maintenance requests, and communicate with their landlord or property manager. You agree to use these features responsibly. For example, you will only use the maintenance request system for legitimate repair issues and not for emergency situations that require immediate attention (in an emergency, always contact your landlord directly or call emergency services as appropriate). You will not misuse the messaging system to harass or send unlawful communications.

Payment Obligations

You remain responsible for rent and other amounts lawfully owed under your lease (the "Rent Amount" means rent only). Deposits and other lawful landlord charges must be identified separately and are not Kera fees. You must use a payment method you are authorized to use, check the amount and recipient, and maintain sufficient funds for payments you authorize. Only the payment instruction or recurring authorization you separately approve permits Kera and its payment providers to collect the specified amounts, including a disclosed Kera Payment Service Fee if you choose that service.

Questions about rent, deposits, or other landlord charges should be directed to your landlord or property manager. Questions about Kera fees, payment errors, authorizations, or cancellations should be directed to Kera at support@getkera.com. Contacting Kera does not limit your right to contact your bank, payment provider, regulator, court, or tribunal. See Section 6 for payment, cancellation, and refund terms.

Tenant Responsibilities

You remain responsible for all obligations under your lease and applicable law, such as keeping the property in good condition, not causing damage, obeying community rules, and so forth. Kera providing a communication or payment tool does not change your legal responsibilities as a tenant. If you have legal issues with your landlord (for example, habitability issues, deposit disputes, eviction notices), those must be handled through the proper legal channels between you and the landlord. Kera is not a dispute resolution service and does not mediate landlord-tenant issues.

Third-Party Fees

An optional third-party service may have a separately disclosed price and refund policy. No landlord, property manager, or service provider may use Kera to require a tenant or applicant to pay an application, screening, deposit, or other charge that applicable law prohibits. Disclosure, consent, or inclusion in a lease does not cure a prohibited fee. Where applicant-paid screening is prohibited, the landlord or property manager must bear the cost. Any permitted payment requires the payer's authorization and remains subject to mandatory refund and consumer rights. Kera Payment Service Fees are governed by Section 6, and screening fees by Section 7.7.

5. Property Managers or Third-Party Managers

This section applies to users who are managing properties on behalf of owners (e.g., professional property managers, real estate agents managing rentals, or any third party authorized to act for a landlord).

Authorization and Account

By using Kera as a property manager or third-party manager, you represent and warrant that you have been duly authorized by the property owner to manage the property, enter into leases, collect payments, and perform all related functions via the Platform. If requested by Kera, you agree to provide proof of such authority. You must create an account as a "Property Manager" (or similar role) and may manage multiple properties/owners through your account as permitted by Kera's features.

Responsibilities

As a property manager, you are responsible for all obligations that a landlord would have under these Terms and under any lease, on behalf of the property owner. You must comply with all landlord obligations outlined in Section 3 (Landlords), including compliance with laws, nondiscrimination, maintenance of accurate information, and handling of tenant communications. Any reference to "landlord" in these Terms includes you as a property manager when you are acting on a landlord's behalf. For example, you are responsible for ensuring leases are valid, responding to maintenance requests, and complying with fair housing laws, just as an owner would be.

Payments to Owners

Payment routing depends on the authorized recipient and payment account configured for the property or transaction, not simply on who sent an invitation. You must verify your authority, the recipient, the amount, and the bank or connected account before submitting a payment or distribution instruction, and promptly report changes or errors. You are responsible for owner entitlements, management fees, vendor obligations, approvals, reconciliation, and any required trust or client accounts and records.

Where an owner or vendor disbursement feature is available and enabled, Kera may submit your authorized instructions through a payment provider. Where it is not available, you must arrange the disbursement separately. An accounting allocation or displayed balance is not confirmation that money has been transferred, that an account is legally a trust account, or that a recipient is entitled to funds. Distributions remain subject to cleared funds, verification, provider restrictions, and Section 6. Kera does not assume your property management or fiduciary duties or guarantee your payments to owners or vendors. This does not exclude Kera's own responsibilities under these Terms or applicable law.

Indemnity to Owner

Your agreement with a property owner is separate from these Terms, whether or not that owner also has a Kera account. Subject to Section 8.5, you must indemnify Kera for third-party claims arising from your lack of authority, misuse of owner or tenant funds, unlawful charges, or breach of your management duties. This does not require you to indemnify Kera for its own negligence, fraud, wilful misconduct, or breach of law.

Licensing and Legal Compliance

If you are acting as a third-party property manager in a jurisdiction that requires property managers to be licensed (such as a real estate brokerage or agent's license, or a property management permit), you are solely responsible for obtaining and maintaining any such licenses. Kera does not monitor or confirm whether you have any required license. By using the Platform, you represent you are in compliance with any licensing laws. Kera is not liable for any unlicensed property management activity by a user. You also agree to comply with any other legal requirements applicable to property managers (for example, fulfilling obligations to handle security deposits in trust as required by law, providing required disclosures to tenants or owners, etc.).

Termination of Management

If your relationship with a property owner ends (for example, you are fired or you stop managing a property), it is your responsibility to update or close the Kera account for that property and inform Kera and the affected tenants. Kera may, upon request of the owner and with proper verification, transfer a property's Kera account to a new manager or to the owner directly. You agree to cooperate in good faith during such a transition. You will remain liable under these Terms for any actions taken while your account was linked to the property.

6. Payments and Fees

This section applies to Kera Payment Services, rent collection, and any enabled payout features. Availability depends on your location, payment method, account eligibility, and provider support. Describing a feature in these Terms does not promise that it is available for every account or jurisdiction.

6.1 Payment Providers and Kera’s Role

Kera uses Stripe and may use other identified payment providers and financial institutions to process payments. Those providers perform processing, verification, settlement, and payout functions. Kera may create payment instructions, allocate amounts, and initiate or manage transfers, refunds, or payouts as authorized and supported by the applicable service. Kera does not offer a bank deposit account through these Terms or undertake to act as a property manager or trustee for a user. Nothing here limits duties imposed on Kera by applicable payments law.

Payment providers may require identity, business, ownership, bank-account, or other verification, and may decline or restrict service. You must provide accurate information and have authority to use each account and payment method you supply. Kera shares information needed to provide and support payments as described in our Privacy Policy. Provider terms apply to your role and the services you use; a tenant making a payment is not, merely by doing so, opening a Stripe connected account.

6.2 Optional Kera Payment Services and Fees

A "Kera Payment Service Fee" is the separately disclosed price Kera establishes and receives for an optional Kera Payment Service you choose. Kera determines its price independently. The fee may include Kera’s costs and margin and need not equal Stripe’s or another provider’s processing cost. It is not described or charged by Kera as rent, a landlord charge, or reimbursement of a landlord’s expenses. The landlord and property manager do not set, mark up, or receive any portion of this fee.

Before you authorize a paid service, Kera will disclose the Rent Amount and any other lawful landlord amounts separately from the Kera Payment Service Fee, applicable taxes, currency, total amount to be charged, and whether the fee applies once or to each recurring payment. The price disclosed for the service you select applies; these Terms do not fix a universal payment price. An illustrative $2,000 rent payment with a $5 Kera Payment Service Fee totals $2,005 before any applicable tax on the service fee, while the rent remains $2,000. This example is not a pricing commitment.

The service is voluntary. You may decline it and pay by the fee-free alternative your landlord or property manager is required to make available under Section 3, including Interac e-Transfer where accepted. Kera does not charge a Kera Payment Service Fee for a rent payment made outside Kera Payment Services. Your own bank’s independently imposed account or transfer charges, if any, are governed by your agreement with that bank. Contact support@getkera.com if an alternative is unavailable or you are told the paid service is mandatory.

A landlord or property manager must not enroll a tenant in a paid service, consent to it on the tenant’s behalf, add a Kera Payment Service Fee to rent or a deposit, collect it as a tenancy debt, deduct it from rent credited to the tenant, or impose a penalty or tenancy consequence for declining or cancelling the service. An unpaid Kera fee must not appear as rent arrears, form part of an eviction claim for unpaid rent, or reduce the tenant’s credit for rent actually paid. Paying or disputing Kera’s service fee does not determine whether rent has been paid.

Kera Payment Service Fees are accounted for separately from landlord rent receivables, deposits, and owner distributions. For a successfully paid Rent Amount, the tenant must receive credit for that full Rent Amount, subject to a subsequent return or reversal of the rent payment itself. Separately agreed charges payable by a landlord or property manager are that business user’s expenses and must not become additional tenant rent or a tenant-paid Kera fee. Any such charge affecting a business user’s net payout must be disclosed to that user.

Kera will notify affected users of an increase or material change to a recurring Kera Payment Service Fee at least 30 days before it applies, or earlier if law or the applicable authorization requires. The notice will explain the new price, effective date, and how to cancel before being charged the new price. Changes apply only to future services. We will obtain renewed authorization where required; posting revised Terms alone does not authorize a higher or different debit.

6.3 Payment Authorization, AutoPay, and Cancellation

You must separately authorize a one-time payment or recurring schedule. The authorization identifies the payment method, amount or method of determining it, timing, and any recurring Kera Payment Service Fee. A saved payment method, lease acceptance, account registration, or landlord selection does not by itself authorize debits. Landlords must supply lawful amounts and required rent notices; an AutoPay authorization does not authorize an unlawful rent increase or fee.

Canadian bank debits require a separate pre-authorized debit (PAD) agreement identifying the payee, Stripe or other provider, payment schedule, and cancellation and recourse terms. Kera and the applicable provider will supply required confirmations and debit notices. These Terms do not replace that mandate, waive advance notice, or authorize a debit outside its scope. Any permitted shortening or waiver of a mandate notice period must be separately agreed through the applicable authorization.

You may cancel AutoPay or revoke a payment authorization using the available payment settings or by writing to support@getkera.com. The notice period and any processing cutoff are those disclosed in your authorization, subject to law and payment rules. We will confirm receipt and the effective cancellation date. Instructions already submitted may not be stoppable; we will identify any pending payment and available refund or bank recourse options. No further debits will be initiated under an authorization after its cancellation takes effect. Closing a Kera account also requires us to stop future scheduled debits when the closure takes effect; pending payments and mandatory records may remain.

Cancellation ends future use of the recurring payment service and its associated future service fees; it does not cancel rent lawfully owed, end a lease, or resolve a payment already made. Arrange an alternative payment method with your landlord and check for pending payments to avoid paying twice. Landlords and property managers must cooperate in making the fee-free alternative available and must not require automatic rent payments where prohibited by law.

6.4 Failed Payments, Returns, and Disputes

Payments may fail or be returned for insufficient funds, incorrect details, authorization issues, or other reasons. We will make payment status information available when received from the provider. Any retry must be permitted by your authorization and applicable payment rules; a failed debit does not give us unlimited retry authority or permission to create a new charge. Monitor your payment status and arrange another way to pay lawful amounts if necessary.

Your bank may charge you fees under your agreement with it. These Terms do not authorize Kera or a landlord to automatically pass provider return, dispute, or collection costs to a tenant. Any separate charge must be lawful, disclosed, and validly agreed before it is incurred; a lease clause or a failed payment does not itself make a late fee or penalty lawful. Kera will not charge a new Kera Payment Service Fee merely for retrying the same failed payment.

You retain applicable bank, card-network, and statutory rights to dispute or obtain reimbursement of an unauthorized, incorrect, or otherwise disputable payment, without first obtaining Kera’s or your landlord’s consent. Personal Canadian PAD reimbursement claims generally must be raised with your financial institution within 90 calendar days of the debit; other payment types and account types have different rules and deadlines. Contact your financial institution promptly. Kera may share relevant transaction and authorization records to investigate a dispute. Provider procedures determine whether a dispute can be challenged; Canadian PAD disputes through Stripe do not have a provider appeal process.

Recipients remain responsible for authorized refunds and returned, reversed, or disputed amounts attributable to payments received for them, and for provider fees they have separately agreed to bear, subject to applicable law. A payout does not eliminate return risk. To the extent permitted by law and the applicable recipient agreement, Kera may request repayment or instruct a provider to reverse a transfer or recover those amounts from the recipient’s available payment balance. These Terms alone do not authorize a new debit from a bank account without the required separate authority. Recovery must not divert another owner’s or tenant’s protected trust or client funds. A tenant is not responsible for a business user’s negative balance merely because the tenant used Kera.

6.5 Settlement, Payouts, and Records

A scheduled payment, submission confirmation, pending transaction, or accounting entry is not a guarantee of cleared funds or a completed bank payout. Bank debits can take several business days, and payments may later be returned or disputed. Any displayed availability date is an estimate. Providers or Kera may delay, restrict, or decline a transaction for verification, suspected fraud, insufficient available funds, legal requirements, or applicable provider rules. We will provide available status information unless disclosure is legally restricted or would compromise security.

You must verify payment and recipient details, allow for disclosed processing times, and review records for errors. Landlords and property managers must reconcile actual receipts and payouts and maintain any legally required trust or client-account records. Kera does not guarantee collection, a settlement deadline, a particular bank-account classification, or compliance of a user’s accounting practices. The time at which rent is legally paid is determined by applicable law and the valid payment arrangement, not solely by a Platform status label. Kera remains responsible for obligations imposed on it by law and these Terms.

6.6 Refunds and Payment Errors

Refund entitlement for rent, deposits, and other landlord amounts is determined by applicable law and the underlying lawful agreement. Contact your landlord or property manager about those amounts and Kera about a processing error. Kera may facilitate an authorized refund, correct its processing errors, or comply with a provider decision or legal requirement. Recovery or refund timing depends on the payment method and funds availability; Kera cannot promise that a completed transfer can be recalled. Nothing here makes a legally refundable payment non-refundable or requires landlord consent to exercise statutory or bank recourse rights.

Kera handles requests about its own Payment Service Fees at support@getkera.com. Kera will refund a fee charged without valid authorization, charged more than once in error, or charged for a payment service that was not provided, and any amount required by law. If the underlying payment fails or is cancelled before completion, any associated Kera Payment Service Fee collected for it will be refunded. A fee for a successfully completed service is otherwise non-refundable unless the disclosed service terms or law provide otherwise; a later, separately agreed rent refund does not automatically refund a completed Kera service. A provider’s decision not to return its processing fee does not remove your right to a refund Kera owes you.

Tell Kera promptly about errors and any bank dispute or refund already requested so we can investigate and avoid duplicate reimbursements. This request does not shorten a legal or payment-system claim period or require you to exhaust Kera support first. Duplicate refunds may be corrected through lawful, authorized procedures.

6.7 Provider Terms and Service Restrictions

Stripe’s applicable legal terms are available at https://stripe.com/legal. A user receiving payments through a connected account must accept the applicable Stripe Connected Account Agreement at https://stripe.com/legal/connect-account and associated services terms during onboarding. Canadian PAD processing is also subject to Stripe’s ACSS/PAD Payment Terms at https://stripe.com/legal/pad and the payer’s separate PAD agreement. Other provider terms will be identified when the relevant service is offered. You must comply with provider restrictions applicable to your activity.

Kera may suspend a payment feature or decline instructions reasonably believed to be unauthorized, fraudulent, unlawful, or contrary to applicable provider rules. We may request information needed to verify authority, investigate errors, or comply with law. Suspension does not extinguish valid refund rights, obligations to account for funds, or tenancy rights. We will provide notice and available assistance where lawful and practicable. Third-party outages or decisions may affect service, but do not excuse Kera’s own duties under these Terms or applicable law.

6.8 Subscriptions, Other Services, and Taxes

Platform subscriptions, screening, and other optional services may carry separate prices and service-specific terms, disclosed before purchase. A recurring subscription must disclose its billing interval, renewal terms, and cancellation method. Business subscription and provider charges payable by a landlord or property manager are separate from a tenant’s optional Kera Payment Service Fee. These Terms do not authorize landlords to pass those business costs to tenants or use another fee label to circumvent Section 6.2.

Applicable taxes on Kera’s services will be disclosed with the amount charged. Each user remains responsible for taxes and reporting legally attributable to that user. A tax or processor-cost description does not decide whether a tenant charge is permitted under residential tenancy law. A separate service agreement governs its specific service only to the extent consistent with mandatory law and the payment-choice and rent-separation requirements in these Terms.

7. Background Checks

Kera offers the ability for landlords or property managers to conduct background screening on prospective tenants through a third-party service. By using the background check features, you agree to the following:

7.1 Use of Certn for Screening

Kera uses Certn (certn.co), a third-party background check provider, to perform background screenings (which may include credit checks, criminal record checks, employment verifications, and other information, depending on the package or checks requested). When a landlord requests a background check on a prospective tenant through Kera, Certn will handle the collection of the applicant's information and the preparation of the background report. Certn is a consumer reporting agency and Kera is purely a facilitator of this process, passing the request and results between the landlord and Certn. Kera itself does not conduct background research, does not make phone calls or inquiries, and does not create the content of the reports. Kera is not a "consumer reporting agency" as defined in the FCRA or similar laws, and the background reports are generated by Certn (or its data sources), not by Kera.

7.2 Consent and Authorization

No background check will be conducted through Kera without the explicit consent of the person being screened. It is illegal to run a background check on an individual without their authorization. If you are a tenant or applicant, you will receive a request (for example, via email or through your Kera account) to provide consent and any required information (such as your Social Insurance Number or Social Security Number, date of birth, previous addresses, etc.) to initiate the background check. By providing the requested information and affirmatively consenting (such as clicking "I agree" or signing electronically), you authorize Kera and Certn to conduct the background screening. If you do not provide consent, no check will be done, but the landlord may then choose not to proceed with your application. Landlords and property managers agree that they will only request background checks for legitimate tenant screening purposes and that they will obtain and document the necessary consent from applicants. Kera may require landlords to certify that they have the applicant's permission before enabling the background check request.

7.3 Compliance with Credit Reporting Laws

Landlords acknowledge that they must comply with all laws governing the use of background and credit reports. In the U.S., this means compliance with the FCRA and any state laws (for example, providing applicants with required disclosures and adverse action notices if you decline them based on information in a report). In Canada, landlords must comply with applicable privacy legislation (such as PIPEDA or provincial laws) and obtain written consent for credit reports or criminal checks. Kera is not responsible for a landlord's legal compliance; Kera only provides the tools to obtain the report. Landlords are strongly advised to familiarize themselves with their obligations (for instance, not to misuse the information, not to keep reports for longer than necessary, etc.). You, as the landlord/property manager, agree to indemnify Kera for any claims arising from your illegal or improper use of background check information (see Section 8).

7.4 Report Availability and Accuracy

Once a background check is completed, the resulting report will be made available to the requesting landlord or property manager (usually through the Kera dashboard or via a secure link). The applicant (tenant) may also receive a copy or a separate communication from Certn as required by law. Kera does not alter or review the content of the report; we deliver it "as is" from Certn. We do not guarantee that the report is accurate, up-to-date, or complete. The information in the report comes from third-party databases and sources over which Kera has no control. If you are a tenant/applicant and believe there is an error in your background check report, you should contact Certn or the source agency directly to dispute or correct the information. Kera cannot change or remove entries from a report, and we are not responsible for any inaccuracies in those reports.

7.5 Use of Report & Decision Making

The background report is provided to the landlord for their consideration in the rental application process. Kera does not make rental decisions or recommendations – the decision to approve or deny an applicant is solely up to the landlord. Kera does not score applicants or provide any "pass" or "fail" notification; we simply provide the data (via Certn). Landlords should use the report in a fair and non-discriminatory manner. It is the landlord's responsibility to follow through with any required notices (e.g., if in the U.S., providing an adverse action notice with a copy of the report and the applicant's rights if they decline the applicant based on the report). Kera is not liable for any decision the landlord makes, even if based on incorrect or unlawful use of report information. Similarly, Kera is not liable to the landlord if the report fails to uncover information (for example, if the report misses a criminal record or eviction history); the landlord uses the report at their own risk and should consider conducting additional due diligence as appropriate.

7.6 Privacy and Data Use

Information collected for background checks will be transmitted to Certn and used for the purpose of preparing the report. Kera and Certn will handle this data in accordance with their respective privacy policies and applicable law. Kera will not use background check information for any purpose other than providing the screening service to the landlord and to the applicant. Certn may retain the information and report as required by law (for example, FCRA requires certain records to be kept for a time). Kera will maintain a record that a background check was done for compliance and auditing, but will not share the report with anyone other than the requesting landlord (and the applicant, as required).

7.7 Fees for Background Checks

Screening prices, the party responsible for payment, and applicable cancellation and refund terms must be disclosed before a check is ordered and a payment is authorized. Landlords and property managers must pay the cost wherever charging an applicant or tenant is prohibited. A tenant’s consent or a separate payment line does not authorize an unlawful application or screening fee. No Kera feature grants permission to impose such a fee.

For a lawfully purchased, completed screening service, the disclosed fee is generally non-refundable merely because the application is unsuccessful. Cancellation before performance, an unauthorized or duplicate charge, a service that is not supplied, and statutory refund rights must be handled under applicable law and the disclosed service terms. Contact support@getkera.com for a charge collected by Kera; Kera will coordinate with the provider where necessary.

8. Legal Disclaimers and Indemnity

8.1 Platform Provided "As Is"

Kera provides the Platform and all services on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind. To the fullest extent permitted by law, Kera disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Kera does not guarantee that the Platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Any material or data obtained through Kera is at your own discretion and risk. Kera makes no warranty that the information (including any content or user data) provided on the Platform is accurate, reliable, or complete. For example, Kera does not warrant the accuracy of any rental listings, tenant information, background check content, or communications between users. No advice or information, whether oral or written, obtained from Kera or through the Platform, will create any warranty not expressly made herein.

8.2 Limited Liability

To the extent permitted by law and subject to Section 1, Kera and its affiliates, officers, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or business interruption, arising from use of or inability to use the Platform. Subject to the exceptions below, Kera’s aggregate liability arising from the Platform or these Terms is limited to the fees you paid to Kera for its own services during the twelve months before the event giving rise to the claim. Rent, deposits, owner or vendor funds, and third-party amounts merely processed through Kera are not fees paid to Kera for this calculation.

These exclusions and limits do not apply to Kera’s fraud, wilful misconduct, gross negligence, liabilities that cannot legally be limited, or obligations to refund or account for money where required by law or these Terms. They do not limit non-waivable consumer remedies or payment recourse rights. Kera does not guarantee other users’ performance or make itself responsible for a landlord’s or property manager’s independently owed debts.

8.3 No Liability for User Conduct or Disputes

Landlords, tenants, and property managers are responsible for their own conduct, contracts, property conditions, and lawful obligations. Kera does not assume responsibility for another user’s lease breach, misuse of funds, unlawful charge, or misrepresentation merely by supplying the Platform. To the extent permitted by law, you release Kera from claims arising solely from another user’s conduct. This release does not cover Kera’s own acts or omissions, its payment-service obligations, or a claim or remedy that cannot lawfully be waived. It does not prevent you from naming an appropriate party in a legal proceeding or seeking relief from a court, regulator, or tribunal with jurisdiction.

8.4 No Professional Advice

Any information available on Kera (such as blog posts, help articles, templates, or guidance provided by Kera's customer support) is for general informational purposes only and is not legal, financial, or professional advice. You should consult appropriate professionals for advice on legal or financial matters (for example, lease contract terms, eviction processes, accounting and taxes on rental income, etc.). Kera does not provide legal representation or mediation services, and communications with Kera's support team are not protected by any attorney-client or similar privilege.

8.5 Indemnification

To the extent permitted by law, you will indemnify Kera and its affiliates, directors, officers, employees, and agents against third-party claims, losses, and reasonable defence costs to the extent caused by your breach of these Terms, violation of law, fraud, infringement of another person’s rights, or use of the Platform without required authority. For landlords and property managers, this includes claims caused by unlawful tenant charges, compulsory enrollment in a paid payment service, misuse of rent or owner funds, unauthorized payment instructions, and unlawful use of screening information.

You are not required to indemnify Kera for losses caused by Kera’s own negligence, fraud, wilful misconduct, or breach of these Terms or law, or solely because you exercised a statutory right or made a good-faith payment dispute. This provision does not transfer another user’s obligations to you or override protected trust or client-fund rules.

Kera will give reasonably prompt notice of an indemnified claim, provide reasonable cooperation, and take reasonable steps to mitigate loss. You may not settle a claim in a way that admits liability for Kera or imposes an obligation on it without Kera’s written consent, which will not be unreasonably withheld. Kera may participate in the defence at its own cost or assume control where reasonably necessary to protect its interests, with recoverable costs limited to reasonable costs attributable to the indemnified conduct.

8.6 Legal Actions and Remedies

Kera reserves the right to pursue any and all legal remedies against users who engage in misconduct or violate these Terms. This includes, but is not limited to, suspending or terminating accounts (with or without notice) and, if necessary, taking legal action to recover damages, enforce compliance, or seek injunctive relief. In particular, if a landlord or property manager's actions cause Kera to suffer any loss or expose Kera to liability, Kera may seek compensation from that user. If you are a landlord or property manager and you engage in fraudulent activities, misuse of funds, unpermitted use of the Platform, or any illegal practices, Kera may report such activities to law enforcement and pursue civil action. Nothing in these Terms limits Kera's right to enforce its rights directly through court proceedings or other legal processes.

8.7 No Third-Party Beneficiaries

These Terms are for the benefit of you and Kera (and described Kera Parties) only. Except for the Stripe and Certn terms incorporated by reference for those providers, and Kera's affiliates covered by indemnity, there are no third-party beneficiaries to these Terms. This means that, for example, even though your tenant or landlord has rights against you outside of these Terms, they cannot claim rights under this contract between you and Kera.

8.8 Governing Law and Jurisdiction

These Terms are governed by Ontario law and the federal laws of Canada applicable there, subject to mandatory laws that protect you in your jurisdiction. Unless mandatory law provides otherwise, disputes under these Terms may be brought in the courts of Toronto, Ontario. Nothing here removes the jurisdiction of the Landlord and Tenant Board or another competent tribunal, restricts a non-waivable right to bring a claim in another forum or participate in a class proceeding, or requires arbitration. Bank and payment-provider recourse rights remain available.

8.9 Entire Agreement; Severability

These Terms and any applicable service-specific agreement form the agreement between you and Kera for their respective subject matter. Our Privacy Policy describes our handling of personal information. These documents do not replace your lease or property management agreement. A payment mandate governs the scope of the debit authority you actually grant; a general provision in these Terms does not expand it. Section 1’s mandatory-rights protection prevails over any inconsistent provision. If a provision is unenforceable, it is severed only to the extent necessary and the remainder continues to apply. Failure to enforce a provision is not a waiver.

8.10 Contact Information

Contact Kera Property Technologies Inc at support@getkera.com for questions about these Terms, Kera Payment Service Fees, payment errors, refunds, or cancellation of a Kera payment authorization. Written notices may also be sent to Kera Property Technologies Inc, 352 Front St W, Apt 302, Toronto, Ontario M5V 0K3, Canada. Do not send full card numbers, bank account credentials, or other sensitive financial credentials by email. Kera will send notices to the contact details in your account or through the Platform where legally sufficient; keep those details current.