HOUSE HACK, INC. DBA HOUSEHACK AND REINVEST
REINVESTAI PLATFORM + MEET KEVIN MEMBERSHIP / ALPHA
Last Updated: February 7, 2026
TABLE OF CONTENTS
House Hack, Inc., a Wyoming corporation, doing business as "HouseHack" and "Reinvest," and its affiliates (collectively, the "Company," "we," "us," or "our") welcome you. These Terms of Service ("Terms" or "Agreement") govern your access to and use of: our websites (including https://reinvest.co and https://househack.com), mobile applications, software, artificial intelligence tools including the ReinvestAI platform, the Meet Kevin Membership and related educational content (including the Meet Kevin Alpha Report), and all related services (collectively, the "Services").
BY ACCESSING OR USING THE SERVICES, 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 SERVICES.
IMPORTANT: THESE TERMS CONTAIN A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER IN SECTION 18. BY ACCEPTING THESE TERMS, YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR HAVE DISPUTES DECIDED BY A JUDGE OR JURY.
THESE TERMS APPLY WORLDWIDE. BY USING THE SERVICES FROM ANY LOCATION, YOU AGREE TO BE BOUND BY THESE TERMS AND CONSENT TO THE EXCLUSIVE JURISDICTION OF VENTURA COUNTY, CALIFORNIA FOR ANY DISPUTES NOT SUBJECT TO ARBITRATION.
1. Acceptance of Terms
1.1 Agreement to Terms
By creating an account, accessing, or using any part of the Services, you represent that you have read, understood, and agree to be bound by these Terms. If you are using the Services on behalf of a company, organization, or other entity, you represent and warrant that you are authorized to bind such entity to these Terms, in which case "you" and "your" shall refer to such entity.
1.2 Additional Agreements
Your use of certain features of the Services may be subject to additional terms and conditions, including but not limited to: our Privacy Policy, community guidelines, and for investment-related features, our Offering Circular (for Regulation A offerings), Private Placement Memorandum (for Regulation D offerings), Convertible Bond Agreement, and/or Subscription Agreement. Such additional terms are incorporated by reference into these Terms. In the event of a conflict between these Terms and any additional terms, the additional terms shall control with respect to the specific feature or service to which they apply.
1.3 Electronic Agreement
You consent to enter into this Agreement electronically and acknowledge that your electronic acceptance has the same legal effect as a physical signature.
1.4 Age Requirement
You must be at least eighteen (18) years of age to use the Services.
1.5 International Users
These Terms apply to all users worldwide. By accessing or using the Services from outside the United States, you acknowledge that you do so voluntarily and are responsible for compliance with local laws. You consent to the transfer of your data to the United States and agree to be bound by these Terms and the jurisdiction provisions herein.
2. Description of Services
2.1 Platform Overview
The Services may include, without limitation:
A. Real Estate AI / ReinvestAI
AI tools that analyze real estate data and generate property valuations, investment scores, market analytics, "net worth boost" or "wedge" estimates, and related outputs;
Visual Deal Spotter and property ranking features (e.g., "More Likely," "Less Likely," "Not Likely," or similar designations, which may change from time to time);
Access to property data (including MLS data where available), public records, and third-party datasets;
Software tools for investment analysis, including ValuationAI, RenovationAI, and other features as they become available;
Educational content related to real estate investing.
B. Meet Kevin Membership / Education + Alpha Content
The Meet Kevin Alpha Report: Daily (when the market is open) market commentary and educational research, which may include pre-trading tips for the day, technical analysis (charts/levels), fundamental analysis (financials/macro), watchlists, "lines to watch," and pre-market notes.
Alpha AI / Kevin AI: Optional or experimental AI tools designed to simulate Kevin Paffrath's analytical style ("Alpha AI" or "Kevin AI"). These tools utilize historical data and training on Kevin's previous content to generate educational market-related outputs or interactive Q&A.
Educational Content: Courses, lectures, downloadable materials, archives, community features, livestreams, Q&As, and other educational content offered under the "Meet Kevin" brand.
C. Investment Opportunities (Separate)
Investment opportunities in House Hack, Inc. securities, subject to applicable securities laws and separate offering documents, including:
Regulation A Offerings: Public offerings qualified by the SEC, as described in our Offering Circular;
Regulation D Offerings: Private placements available to accredited investors, as described in our Private Placement Memorandum.
2.2 Cross-Promotion; Bundles; Separate Offerings
We may cross-promote, bundle, or jointly market the Services (for example, ReinvestAI and the Meet Kevin Membership). Unless we explicitly state otherwise at checkout, each offering is a separate product purchase with its own Included Features, pricing, and access rules. Your purchase of any membership, course, or software access is not an investment in House Hack, Inc. and does not grant equity or securities rights.
2.3 Beta Services and Early Access
We may offer beta, pilot, early access, or experimental features ("Beta Services"). Beta Services are provided "as is" and may be unstable, incomplete, or contain errors. There will be errors. Beta Services may change or be discontinued at any time without notice, and you use them at your own risk.
2.4 Service Availability; Data Provider Dependency
While we intend to support the Services, you acknowledge that the Services may be modified, suspended, discontinued, or become unavailable due to:
Economic viability considerations;
Technical changes or platform modifications;
Data access limitations, including loss of access to MLS data, stock market data feeds, API providers, or other third-party data sources;
Legal or regulatory requirements;
Licensing disputes or data provider terminations; or
Other reasons beyond our control.
DATA PROVIDER RISK: The Services depend on data from multiple third-party providers, including MLS data providers for real estate and market data providers for stock/financial information. If we lose access to one or more data providers, some or all features of the Services may become unavailable for an indefinite period, potentially permanently. We make no guarantee of continuous access to any data source. You acknowledge and accept this risk as a condition of using the Services.
2.5 Definitions: Lifetime Access; Included vs. Excluded Features
"Lifetime Access" means a one-time purchase that grants the purchaser access to the Services for as long as the Company makes the Services (or the applicable Service offering/version) commercially available and supported, subject to these Terms (including suspension/termination rights), and limited to Included Features. Lifetime Access does not refer to the lifetime of the user. If the Company discontinues the Services or the applicable offering/version, Lifetime Access terminates when the Services (or that offering/version) are discontinued.
"Included Features" means the consumer-facing features and updates that we make generally available to users of a purchased plan within the Services, as described at the time of purchase and as reasonably updated from time to time.
"Excluded Features" means any features, products, or services that are not Included Features, including without limitation: (a) enterprise or team offerings; (b) API access; (c) white-labeling; (d) bulk data exports; (e) custom model training; (f) custom integrations, implementations, or professional services; (g) service-level agreements (SLAs); (h) compliance/audit packages; (i) agent/broker client-facing tools or licensing; or (j) any separately branded or separately priced modules we may offer.
"Enterprise Services" means any Excluded Features offered for business, organizational, brokerage, investor, agent, or licensing use cases, which may be offered separately at an additional cost under separate terms.
2.6 Future Pricing Changes
Alpha AI, ReinvestAI, and other features may transition to monthly, quarterly, or annual subscription pricing in the future. Users with Lifetime Access to Included Features will not be charged for features included in their tier at the time of purchase, but new features designated as Excluded Features may be priced separately.
3. Corporate Structure and Relationships
3.1 Operating Entity
As of November 1, 2025, House Hack, Inc., a Wyoming corporation, is the sole operator and service provider for all Services described herein, including the ReinvestAI platform, Meet Kevin Membership, Alpha Report, and all related courses and content delivered through Teachable or other platforms. House Hack, Inc. collects all revenues from the Services.
House Hack, Inc. is:
A Wyoming C-Corporation;
Registered with the SEC as a Regulation A reporting company;
Audited by a PCAOB-registered public accounting firm;
Licensed as a real estate brokerage with the California Department of Real Estate ("DRE"), DBA HouseHack, under license number 02236137;
In the process of obtaining a Mortgage Loan Originator (MLO) endorsement;
Governed by Kevin Paffrath, who holds all voting control, with over 2,000 non-voting shareholders.
3.2 Relationship with The Paffrath Organization
The Paffrath Organization, Inc., a California S-Corporation doing business as "Meet Kevin," is a separate legal entity that is not the operator of the Services.
Kevin Paffrath ("Kevin"), publicly known as "Meet Kevin," is employed by The Paffrath Organization and promotes the Services (including HouseHack, Reinvest, and the Alpha Report) through YouTube and other media channels. The Paffrath Organization collects advertising revenue from such promotional activities but does not operate, service, or receive revenue from the Services described in these Terms.
Prior to November 1, 2025, The Paffrath Organization operated and received revenue from certain Meet Kevin courses. As of November 1, 2025, The Paffrath Organization transferred all servicing responsibilities and revenue rights for such courses to House Hack, Inc. Any courses you purchased before November 1, 2025 are now serviced by House Hack, Inc.
The Paffrath Organization is also licensed as a real estate brokerage with the California DRE under license number 02032575, though it does not conduct active brokerage operations. Kevin Paffrath is the designated broker for both House Hack, Inc. and The Paffrath Organization.
3.3 Kevin Paffrath Background and Disclaimer
Kevin Paffrath is the CEO of House Hack, Inc. and the public face of the "Meet Kevin" brand. You acknowledge the following:
Political Activity: Kevin Paffrath ran for Governor of California in 2021 under the name "Meet Kevin." His political views and activities are separate from the Services and should not be attributed to House Hack, Inc. or its shareholders.
Real Estate Licenses: Kevin Paffrath is the designated broker for House Hack, Inc. (DRE #02236137) and The Paffrath Organization (DRE #02032575). Only House Hack, Inc. conducts active real estate operations.
Financial Industry Background: Kevin Paffrath has passed various securities examinations, including the Series 7, Series 24, Series 27, Series 14 (compliance), and SIE exams. Kevin may have previously held certain securities-related licenses or registrations (including roles sometimes referred to as a "financial advisor"); however, any such licenses/registrations are not currently active and have been allowed to expire. Regardless of any prior background, Kevin Paffrath is not providing licensed financial advice through the Services, and the Services do not create a client–adviser relationship.
KEVIN PAFFRATH IS NOT CURRENTLY A LICENSED FINANCIAL ADVISOR, BROKER-DEALER, OR REGISTERED REPRESENTATIVE. HE DOES NOT PROVIDE LICENSED FINANCIAL ADVICE. THE SERVICES DO NOT CREATE A CLIENT-ADVISER RELATIONSHIP. ALL CONTENT IS EDUCATIONAL AND INFORMATIONAL ONLY.
3.4 No Agency Relationship
Neither The Paffrath Organization nor Kevin Paffrath individually is your agent or service provider under these Terms. Your contractual relationship for the Services is solely with House Hack, Inc.
4. Eligibility and Account Registration
4.1 Eligibility Requirements
To use the Services, you must: (a) Be at least 18 years of age; (b) Have the legal capacity to enter into a binding agreement; (c) Not be prohibited from using the Services under applicable laws; and (d) Not be located in, under the control of, or a national or resident of any country subject to U.S. embargo or sanctions.
4.2 Account Creation
You may be required to create an account to access certain features. You must provide accurate, current, and complete information and keep it updated.
4.3 Account Security
You must: (a) Use strong, unique passwords; (b) Enable multi-factor authentication when available; (c) Notify us immediately at [email protected] of any unauthorized access or security breach; (d) Not share your credentials; and (e) Log out at the end of each session on shared/public devices. We are not liable for losses arising from unauthorized use of your account due to your failure to follow these requirements.
4.4 Organizational Accounts
If you create an account for an organization, you represent you have authority to bind that organization, and the organization is responsible for all users under its account.
4.5 Account Verification
We may verify identity and eligibility at any time, and you agree to cooperate with reasonable requests.
5. AI-Generated Content, Financial Content, and Disclaimers
PLEASE READ THIS SECTION CAREFULLY. IT CONTAINS CRITICAL DISCLAIMERS REGARDING AI OUTPUTS, ALPHA CONTENT, AND YOUR USE OF INFORMATION FROM THE SERVICES.
5.1 Nature of AI Outputs
All valuations, scores, analyses, rankings, recommendations, "net worth boost" estimates, renovation estimates, and other outputs generated by our AI systems ("AI Outputs") are: (a) Computational estimates derived from algorithms processing available data; (b) Not appraisals, certifications, inspections, safety assessments, or guarantees; (c) Subject to limitations inherent in data and models; (d) Potentially incomplete, inaccurate, biased, or outdated; (e) Not a substitute for professional advice from licensed appraisers, real estate professionals, financial advisors, attorneys, tax professionals, home inspectors, engineers, contractors, or other qualified experts; and (f) Educational tools only.
AI can make mistakes. You must independently verify any information before acting.
5.2 Net Worth Boost / Wedge Estimates; Costs and Taxes Not Included
Any "net worth boost," equity, wedge, upside, ROI, or similar estimate is an approximation that may be wrong and may differ materially from actual outcomes. Unless we expressly state otherwise, such estimates do not include: selling costs (including agent commissions), closing costs, financing costs, holding costs, insurance, property taxes, permits, cost overruns, vacancy, repairs, maintenance, market shifts, or capital gains taxes (or any other tax consequences). You are solely responsible for evaluating costs, tax impacts, and suitability.
5.3 Not an Appraisal
AI OUTPUTS ARE NOT APPRAISALS AND/OR PROFESSIONAL OPINIONS OF MARKET VALUE. Our valuations are algorithmic estimates, not appraisals conducted by licensed appraisers under USPAP or other standards. For financing, legal, tax, or other purposes requiring a formal appraisal, you must obtain one from a licensed appraiser.
5.4 Not a Home Inspection; "Death-Trap Protection" Disclaimer
Our AI cannot physically inspect properties. AI Outputs regarding property condition, renovation needs, red flags, or potential issues are based solely on available data and images and cannot identify defects, hazards, or conditions apparent only through physical inspection. You should always obtain a professional home inspection before purchasing any property.
"Death-Trap Protection" Disclaimer: The term "Death-Trap Protection" (or similar phrases) is a marketing descriptor for algorithmic identification of potential financial red flags and estimated repair costs only. It is not a life-safety assessment. The Services cannot identify health hazards, structural integrity issues, mold, asbestos, fire risks, lead paint, electrical hazards, seismic risks, or other safety risks. You agree not to rely on the Services for safety inspections or life-safety determinations.
5.5 Not Investment Advice; No Broker-Dealer / RIA Relationship
THE SERVICES DO NOT CONSTITUTE INVESTMENT ADVICE, BROKERAGE SERVICES, OR FINANCIAL PLANNING. We are not acting as your investment adviser, broker-dealer, or fiduciary through the Services. AI Outputs, Alpha Reports, livestream commentary, and educational content are informational tools only and should not be relied upon as the sole basis for any investment decision. You must conduct your own due diligence and consult qualified professionals before decisions.
5.6 Not a Recommendation; No Suitability; No Personalized Advice
Any mentions of specific stocks, options, strategies, allocations, real estate deals, renovations, or "trade ideas" are general educational commentary and are not personalized recommendations for you. We do not assess suitability, risk tolerance, objectives, tax status, liquidity needs, or financial situation. You are responsible for determining whether any idea is appropriate for you.
5.7 High-Risk Activities; Options and Leverage Warning
Trading, options, and leveraged strategies involve substantial risk and can result in rapid and total loss of capital. Options are complex and not suitable for all investors. You may lose more than your initial investment in certain strategies. Past performance is not indicative of future results.
5.8 AI for Stocks / "Alpha AI" Limitations
Any Alpha AI / Kevin AI tools are automated systems that may hallucinate, omit, or misinterpret data. Outputs may be inaccurate, incomplete, delayed, or inconsistent. We do not guarantee that any AI will correctly interpret market conditions, news, earnings, or risk factors.
5.9 "Meet Kevin" Branding / Persona Disclaimer
You acknowledge that features marketed as "Meet Kevin's trained AI," "Renovate like Kevin," "Alpha AI," "Kevin AI," or similar branding utilize automated models, tools, and educational content. Outputs are automated and do not constitute personal advice, endorsement, or a direct consultation with Kevin Paffrath individually.
As stated in Section 3.3, Kevin Paffrath has allowed his securities licenses to expire and is NOT currently a licensed financial advisor. The Services do not provide you with a client-adviser relationship with Kevin Paffrath or with the Company. All content is to be viewed as "impersonal educational information" only.
5.10 Recorded Sessions and "Advice Meetings" Disclaimer
If the Services include recordings of prior meetings, Q&As, or "advice sessions," such content is provided for educational context only, may be anonymized, and is not personalized advice to you. These recordings may be outdated and may not reflect current market conditions, laws, or best practices. Do not rely on them as a substitute for advice from licensed professionals.
5.11 Tax Disclaimers (Including "Tax Write-Off" Statements)
Any statements suggesting that membership, courses, tools, or subscriptions "could be" a tax write-off are general informational statements and are not tax advice or a guarantee of deductibility. Tax treatment depends on your specific facts and applicable law. You should consult your own tax professional.
5.12 Regulatory and Legal Change Risk (Including "Institutional Buyer" Restrictions)
Real estate and financial markets are subject to changes in laws, regulations, executive actions, agency guidance, and enforcement priorities. Such changes may be proposed, adopted, modified, challenged, or reversed, sometimes quickly.
Specific Risk regarding "Institutional" or "Large" Purchasers: You acknowledge that governmental actions and proposals (including those associated with the Trump administration or "Trumponomics") may attempt to restrict or ban certain "larger" or institutional purchasers from buying single-family homes or rentals.
Undefined Terms: The definition of "larger purchaser" is currently undefined and may be broad.
Fixer-Upper Uncertainty: It is unknown whether such restrictions will exempt "fixer-uppers," distressed properties, or value-add projects.
Impact on App Utility: If such regulations are enacted and do not exempt the types of properties identified by the Services (e.g., fixer-uppers), or if you fall under a restricted purchaser category, the utility of the ReinvestAI platform and our algorithms for finding and analyzing deals may be significantly reduced or rendered obsolete for your specific use case. We make no guarantees that our software will remain useful under future legal regimes.
You are responsible for monitoring legal changes that may affect your ability to purchase or hold real estate. We are not responsible for refunds or losses due to such regulatory changes.
5.13 Data Limitations
AI Outputs and Alpha Content may rely on data from MLS feeds, public records, market data sources, and other third parties. Data may be incomplete, inaccurate, delayed, or restricted. We do not warrant the accuracy, completeness, or timeliness of any underlying data.
5.14 Your Responsibility
You are solely responsible for: (a) Verifying information obtained through the Services; (b) Conducting independent due diligence; (c) Consulting qualified professionals before decisions; (d) Understanding and accepting risks; and (e) All decisions and actions taken based on the Services.
5.15 Fair Housing; Non-Discrimination; No Steering
The Services and AI Outputs are not designed to, and must not, be used to discriminate, exclude, discourage, or "steer" any person in connection with housing on the basis of any protected characteristic under applicable law.
You agree that you will not use the Services to:
Make or support decisions to deny housing, financing, or services based on protected characteristics;
Suggest neighborhoods, properties, or strategies based on protected characteristics;
Generate or distribute discriminatory content; or
Otherwise violate fair housing, anti-discrimination, or consumer protection laws.
We may implement guardrails, restrictions, or monitoring to reduce discriminatory use. We reserve the right to suspend or terminate accounts that use the Services in a discriminatory manner.
6. User Conduct and Prohibited Uses
6.1 Acceptable Use
You agree to use the Services only for lawful purposes and in compliance with applicable laws.
6.2 Prohibited Activities
You agree not to: (a) Use the Services for any unlawful purpose; (b) Attempt unauthorized access to the Services or accounts; (c) Interfere with or disrupt the Services; (d) Use robots, scrapers, or automated access without written permission; (e) Reverse engineer, decompile, or disassemble the Services; (f) Remove proprietary notices; (g) Transmit malware or conduct cyber attacks; (h) Use the Services for fraud or deception; (i) Resell, sublicense, or redistribute the Services or outputs without authorization; (j) Use the Services to compete with us or develop competing products; (k) Misrepresent identity or affiliation; (l) Harass, abuse, or harm others; (m) Circumvent access controls or usage limits; (n) Send spam or unsolicited communications; (o) Violate third-party rights; (p) Encourage or enable any prohibited conduct; (q) Use the Services or outputs to discriminate, exclude, discourage, or steer any person in connection with housing based on protected characteristics; (r) Use the Services or outputs to create or support segmentation/targeting/decisioning that violates fair housing, anti-discrimination, or consumer protection laws; (s) Submit prompts or content intended to generate discriminatory, harassing, hateful, or unlawful content; (t) Violate applicable data licenses, including MLS restrictions; (u) Share course content, livestream links, or Discord access with non-members; or (v) Download course content and then request a refund or chargeback.
6.3 Compliance with Data Licenses (MLS and Other Licensed Data)
Your use of MLS data or other licensed data is subject to applicable licenses and restrictions. You agree not to aggregate, compile, redistribute, or use such data for unauthorized purposes or to create competing products.
6.4 Enforcement
We may investigate violations and may suspend or terminate accounts, remove content, and report to authorities where appropriate.
7. Intellectual Property Rights
7.1 Our Intellectual Property
The Services, including software, models, algorithms, content, branding, trademarks (including "HouseHack," "Reinvest," "ReinvestAI," "Meet Kevin," "Alpha AI," and related marks), and other materials (collectively, "Company IP") are owned by us or our licensors and protected by law.
7.2 Limited License
Subject to your compliance, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal or internal business purposes, limited to the plan you purchased.
7.3 Feedback
If you provide feedback, you grant us a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use it without compensation.
7.4 User Content; License; AI Training
You retain ownership of content you submit ("User Content"). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free, sublicensable license to use, process, store, host, reproduce, display, distribute, and create derivative works from such User Content as necessary to provide, maintain, secure, and improve the Services.
Without limiting the foregoing, you also grant us a license to utilize User Content (including property images, uploads, and related metadata) to train, improve, validate, and evaluate our AI models and algorithms, and to develop new features and products, subject to our Privacy Policy and applicable law. We may also use aggregated and de-identified versions for analytics, research, and marketing to the extent permitted by law.
You represent you have all rights needed to grant this license.
7.5 DMCA Notice
If you believe copyrighted work has been infringed, send a notice to [email protected] with the required DMCA elements.
8. Data, Privacy, and Security
8.1 Privacy Policy
Your use of the Services is subject to our Privacy Policy.
8.2 Data Processing and AI Improvement
We may process your data to provide and improve the Services, including improving our AI models, subject to our Privacy Policy and applicable law.
8.3 Security
We use commercially reasonable security measures, but no system is perfectly secure. You use the Services at your own risk.
8.4 Data Retention
We retain data as necessary to provide the Services and comply with law.
9. Third-Party Services, Data Providers, and Integrations
9.1 Third-Party Services
The Services may integrate with or link to third-party services, APIs, or content. We do not control or endorse third-party services.
9.2 Third-Party Data
The Services may incorporate third-party data, including MLS, public records, and market data feeds. We do not warrant accuracy or completeness.
9.3 Broker-Dealer Services for Securities Offerings (If Applicable)
Investment offerings through the Services may be conducted through a broker-dealer (for example, a FINRA member broker-dealer) as described in the applicable offering documents. Any broker-dealer is not your adviser and does not validate Company statements unless expressly stated.
10. Fees, Payment, and Refund Policy
10.1 Fees
Certain features require payment. Fees are stated in U.S. dollars unless otherwise specified.
10.2 No Auto-Renew (Current Offering)
If your purchase is described at checkout as a one-time purchase (including Lifetime Access), it does not automatically renew. If we later offer subscriptions or recurring billing (such as monthly, quarterly, or annual subscriptions for Alpha AI or ReinvestAI), those will be presented with separate terms and will require your affirmative consent.
10.3 No Refunds (Founding / Lifetime and Long-Term Plans)
ALL PAYMENTS FOR LONG-TERM ACCESS PLANS (INCLUDING QUARTERLY, MULTI-YEAR, OR LIFETIME TIERS) ARE FINAL AND NON-REFUNDABLE, EXCEPT WHERE REQUIRED BY LAW. This policy applies regardless of usage, feature changes, data provider availability, or discontinuation.
10.4 Price Changes
We may change pricing for future purchases. Existing purchasers keep access as defined by their plan and these Terms.
10.5 Taxes
You are responsible for applicable taxes.
10.6 Billing Authorization
By providing payment information, you authorize us to charge your payment method.
10.7 Disputed Charges
If you dispute a charge, notify us at [email protected] within thirty (30) days of the charge.
11. Representations and Warranties
11.1 Your Representations
You represent that you have legal capacity, your information is accurate, and your use complies with law.
11.2 Compliance
You are responsible for ensuring your use of the Services complies with applicable laws, including real estate, securities, consumer protection, and fair housing laws.
12. Disclaimer of Warranties
THE SERVICES, INCLUDING ALL AI OUTPUTS AND CONTENT, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING MERCHANTABILITY, FITNESS, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICES OR OUTPUTS WILL BE ACCURATE, COMPLETE, RELIABLE, TIMELY, OR ERROR-FREE.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION.
OUR TOTAL LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) $1,000.
YOU ASSUME FULL RESPONSIBILITY FOR ALL REAL ESTATE, INVESTMENT, TRADING, OPTIONS, AND FINANCIAL DECISIONS.
14. Indemnification
You agree to defend, indemnify, and hold harmless the Company and its affiliates from claims arising from your use, your violations, your content, or your decisions.
15. Chargebacks and Disputes
15.1 Chargebacks
If you have a billing dispute or concern, you agree to contact us at [email protected] before initiating a chargeback or dispute with your bank or payment provider.
15.2 Consequences
We may suspend or terminate access for chargebacks or abusive disputes to the extent permitted by law.
16. Affiliates and Third-Party Promoters
We may use affiliates, promoters, or partners. Unless explicitly stated, their statements are their own and do not modify these Terms.
17. Term and Termination
17.1 Term
These Terms apply from first use until terminated.
17.2 Termination by You
You may terminate your account at any time. No refunds.
17.3 Termination by Us
We may suspend or terminate access for violations, nonpayment, security issues, or discontinuation.
17.4 Survival
Key sections survive termination, including disclaimers, limitation of liability, indemnification, and arbitration.
18. Governing Law, Arbitration, and Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
18.1 Governing Law
These Terms and any dispute arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. This Agreement evidences a transaction involving interstate commerce, and the Federal Arbitration Act (9 U.S.C. §§ 1–16) (the “FAA”) governs the interpretation and enforcement of this Section 18.
18.2 Informal Resolution Required
Before initiating arbitration or any court proceeding, you agree to first contact us at [email protected] and attempt to resolve the dispute informally for at least sixty (60) days.
18.3 Agreement to Binding Individual Arbitration
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES (INCLUDING THE FORMATION, PERFORMANCE, OR BREACH OF THESE TERMS, AND INCLUDING ANY QUESTION REGARDING THE SCOPE OR APPLICABILITY OF THIS AGREEMENT TO ARBITRATE) SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, except as expressly stated in Sections 18.10 and 18.11 below.
Arbitration shall be administered by JAMS under its Comprehensive Arbitration Rules and Procedures in effect at the time the arbitration is commenced, unless the dispute qualifies for JAMS streamlined procedures, in which case the applicable JAMS streamlined rules may apply. Your acceptance of these Terms constitutes a written agreement to arbitrate under JAMS and to the procedures described in this Section 18.
18.4 Arbitrator Qualifications; Selection by List-and-Rank
Arbitrator Qualification (Premium Neutral). The arbitration shall be conducted by one (1) arbitrator who must be a retired judge (state or federal) with substantial experience presiding over complex civil matters.
List-and-Rank Selection. The arbitrator shall be selected using a list-and-rank process designed to avoid random appointment:
JAMS shall provide the parties a list of at least seven (7) retired judges who meet the qualification above (or the largest available list JAMS can provide under the circumstances).
Each party may strike up to two (2) candidates and shall rank the remaining candidates in order of preference.
JAMS shall appoint the candidate with the highest combined ranking who is available and able to serve. If the top-ranked candidate is unavailable, JAMS shall proceed to the next highest combined ranking, and so on.
If JAMS determines there is a tie or an administrative issue, JAMS shall apply its administrative procedures consistent with the parties’ intent to select a retired judge by list-and-rank.
18.5 Location; Remote Proceedings; Confidentiality; Discovery
Venue / Remote Option. The arbitration shall take place in Ventura County, California, unless the parties agree otherwise. At your election, the arbitration may be conducted remotely by videoconference, telephone, or by submission of documents, to the extent permitted by JAMS.
Confidentiality. Unless otherwise required by law, the parties agree to maintain the confidentiality of the arbitration and any related proceedings, filings, testimony, evidence, and award, except as necessary to prepare for or conduct the arbitration, to enforce an award, to pursue an appeal under Section 18.8, or as otherwise required by law.
Discovery. The arbitrator shall permit reasonable discovery consistent with the goal of a fair, efficient, and cost-effective resolution, and may issue protective orders as appropriate.
18.6 Reasoned Written Award
The arbitrator shall issue a written, reasoned award that includes the arbitrator’s essential findings of fact and conclusions of law. The arbitrator may award any relief available in a court of competent jurisdiction, consistent with applicable law and these Terms.
18.7 Fees and Costs
Attorneys’ Fees. Each party shall bear its own attorneys’ fees and costs, unless a statute or contract provision that is enforceable under applicable law permits a prevailing party to recover attorneys’ fees, in which case the arbitrator may award fees consistent with that law.
Arbitration Fees (Non-Consumer / Business Disputes). For disputes that are not “consumer arbitrations” under JAMS policies, the JAMS filing fees, case management fees, and arbitrator compensation shall be shared equally by the parties unless the arbitrator reallocates fees in the award as permitted by applicable law.
Consumer Fee Protections (If Applicable). If the dispute is deemed a “consumer arbitration” under JAMS policies or applicable law, then the allocation of arbitration fees and costs shall comply with the JAMS Consumer Arbitration Minimum Standards and applicable law (including any cap on the consumer’s required filing fee and any requirement that the Company pay remaining forum and arbitrator fees).
18.8 Optional Arbitration Appeal Procedure (JAMS)
PRE-AGREED APPEAL. In addition to any rights that may exist under the FAA or applicable law, the parties agree that any final award may be appealed pursuant to the JAMS Optional Arbitration Appeal Procedure (“JAMS Appeal Procedures”). The appeal shall be administered by JAMS in accordance with the JAMS Appeal Procedures in effect at the time the appeal is commenced.
Appellate Panel. Unless the parties agree to a single appellate arbitrator, the appeal shall be decided by a three-member appellate panel, and each appellate arbitrator must be a retired judge (state or federal).
Standard of Review. The appellate panel shall apply the standard of review specified in the JAMS Appeal Procedures (including the standard generally applied by the first-level appellate court in the applicable jurisdiction).
Finality. The decision of the appellate panel shall be final and binding, and judgment on the award (as affirmed, reversed, or modified) may be entered in any court of competent jurisdiction.
18.9 Class Action Waiver
YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both parties agree otherwise in writing: (a) No arbitration or proceeding shall be joined with any other; (b) There is no right or authority for any claim to be arbitrated on a class action basis or to utilize class action procedures; and (c) There is no right or authority for any claim to be brought in a representative capacity on behalf of the general public or any other persons.
18.10 Small Claims Court
Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within that court’s jurisdictional limits, provided the action remains an individual action and does not seek relief inconsistent with the class action waiver.
18.11 Injunctive or Equitable Relief for IP / Confidentiality
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidential information, or other proprietary rights, including any provisional relief required to prevent irreparable harm. You agree to submit to the personal jurisdiction of the federal and state courts located in Ventura County, California for such actions.
18.12 Jury Trial Waiver
IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND THE COMPANY EACH WAIVE ANY RIGHT TO A JURY TRIAL.
18.13 Severability
If any provision of this Section 18 is found to be unenforceable, the remaining provisions shall remain in full force and effect. If the class action waiver is found to be unenforceable as to a particular claim, that claim shall proceed in court rather than arbitration, and the remainder of this arbitration agreement shall remain enforceable.
19. Modifications to Terms
We may modify these Terms. Continued use constitutes acceptance.
20. General Provisions
20.1 Entire Agreement
These Terms and incorporated documents form the entire agreement.
20.2 Severability
If any provision is unenforceable, the remainder remains in effect.
20.3 Waiver
No waiver is effective unless in writing.
20.4 Assignment
You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
20.5 Force Majeure
We are not liable for delays/failures due to events beyond our reasonable control, including data provider outages, API failures, natural disasters, pandemics, government actions, or other force majeure events.
20.6 No Third-Party Beneficiaries
No third party has rights under these Terms except as expressly stated.
20.7 Relationship of Parties
No agency, partnership, joint venture, employment, or franchise relationship is created.
20.8 Notices
We may contact you via email, in-app notices, push notifications, text message, or posting on our website.
Legal notices and formal communications (including notices of dispute, arbitration opt-outs, subpoenas, and other legal notices) must be sent to:
House Hack, Inc. 8164 Platinum Street Ventura, CA 93004 Email: [email protected]
Customer support contacts (not for legal notices):
Reinvest / ReinvestAI support: [email protected]
Meet Kevin courses / membership support: [email protected]
Investor relations (House Hack investors): [email protected]
20.9 Export Compliance
You agree to comply with export controls and sanctions laws.
20.10 Government Users
The Services are "commercial computer software" provided under these Terms.
20.11 Language
English controls in case of conflicts with translations.
20.12 Support and Contact
Reinvest / ReinvestAI Support: [email protected]
Meet Kevin Course & Membership Support: [email protected]
Investor Relations (House Hack, Inc. investors): [email protected]
Legal Notices: [email protected] (and the mailing address listed in Section 20.8)
20.13 Mobile Messaging (Text Alerts) Consent; Opt-Out
By providing your mobile number, you expressly consent to receive marketing and non-marketing text messages from us at the number provided, including automated alerts and notifications related to the Services (deal alerts, account messages, and promotions). Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying STOP. For help, reply HELP or contact [email protected]. Carriers are not liable for delayed or undelivered messages.
21. Additional Disclosures
21.1 Corporate Entities
House Hack, Inc.
Wyoming C-Corporation
DBA: HouseHack, Reinvest
California DRE License: #02236137 (Active)
Designated Broker: Kevin Paffrath
SEC Regulation A Reporting Company
PCAOB Audited
MLO Endorsement: In Progress
The Paffrath Organization, Inc.
California S-Corporation
DBA: Meet Kevin
California DRE License: #02032575 (Inactive - no operations)
Designated Broker: Kevin Paffrath
Owners: Kevin Paffrath and Lauren Paffrath
Role: YouTube/media promotion only; does not operate or service the Services
21.2 Securities / Offering Disclosures
Any securities offering is made only through the applicable offering documents and only where lawful. Nothing in the Services or Educational Content constitutes an offer to sell or solicitation to buy securities except through the official offering materials.
Types of Offerings:
Regulation A: Public offerings qualified by the SEC, available to all investors, as described in our Offering Circular.
Regulation D: Private placements available to accredited investors only, as described in our Private Placement Memorandum.
21.3 Risk Disclosure
Real estate and securities involve substantial risk, including loss of principal. Past performance is not indicative of future results. Market conditions can change rapidly. You should consult legal, tax, and financial professionals before making decisions.
21.4 Kevin Paffrath Licenses and Background Summary
Active: California Real Estate Broker (as designated broker for House Hack, Inc. and The Paffrath Organization)
Previously Held / Now Expired or Inactive: Certain securities-related licenses/registrations and related examinations (including Series 7, Series 24, Series 27, Series 14, and SIE) that are no longer active.
Kevin Paffrath is NOT currently a licensed financial advisor, broker-dealer, or registered representative, and does not provide licensed financial advice through the Services.
21.5 Key Person Risk
Certain aspects of the Services, Educational Content, and branding may depend on the continued participation, availability, or reputation of key individuals (including Kevin Paffrath) and key personnel. If a key person becomes unavailable (including due to illness, injury, disability, death, or other personal or professional reasons) or reduces involvement, the Services and related content may change, be delayed, or be discontinued. You acknowledge this risk and agree that it does not entitle you to any refund.
21.6 Communications & Retention
Communications; Official records.
We may communicate with you through various channels. For clarity, informal
messages (including internal or real-time chat coordination) are not intended to
create binding obligations. If there is any conflict between an informal message
and a formal written communication or executed agreement, the formal written
communication/executed agreement will control. For property management
matters, only communications sent to or from our designated property
management phone number(s), text line(s), portal, or email addresses are treated
as official communications. Messages sent to employees’ personal phone
numbers are not an approved business channel and may not be monitored,
received, or retained.
No SMS/text messaging for business matters.
Except for property-management related inquiries to (805) 888-2480, do not send
confidential or time-sensitive business requests via SMS/text message. We do not
treat employees’ personal SMS/text messages as an official channel for business
matters and do not maintain an archive of employees’ personal SMS/text
messages as part of our records.
Consent to Contact (Property Management).
By providing your phone number, you consent to receive property management
communications from us via call, voicemail, and text message using our
designated property management number(s). Message frequency varies.
Standard message/data rates may apply. You may opt out of non-emergency texts
at any time by replying STOP.
BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
© 2026 House Hack, Inc. All rights reserved.
House Hack, Inc. 8164 Platinum Street Ventura, CA 93004 Reinvest / ReinvestAI Support: [email protected] Meet Kevin Course & Membership Support: [email protected] Investor Relations: [email protected]