PayPool Terms of Service
Agreement to these Terms
These Terms govern access to and use of PayPool, including the PayPool website, dashboard, customer onboarding tools, billing setup services, recurring billing setup services, customer payment setup services, support services, and related services provided by Realtor Recon LLC, doing business as PayPool. By creating an account, submitting a setup packet, signing up for PayPool, paying for PayPool, using PayPool, or clicking to accept these Terms, you agree to be bound by these Terms. If you use PayPool on behalf of a business, you represent that you have authority to bind that business.
What PayPool is
PayPool is a managed billing setup and recurring payment support service for pool service companies. PayPool helps businesses set up, organize, and manage recurring customer billing using third-party payment processors, including Square and/or Stripe. PayPool may provide customer onboarding forms, customer billing setup assistance, recurring billing setup assistance, payment link setup, invoice or subscription setup, billing dashboard access, payment processor setup assistance, administrative support, and ongoing support related to recurring billing workflows.
PayPool is not the payment processor
PayPool is not a bank, payment processor, money transmitter, lender, escrow service, accounting firm, tax advisor, law firm, or financial institution. PayPool does not process payments directly. PayPool does not approve, decline, settle, hold, transmit, custody, or release customer funds. Payment processing is performed by the applicable third-party payment processor, including Square, Stripe, or another approved processor.
Third-party payment processors
By using PayPool, you acknowledge that Square, Stripe, and other payment processors are independent third-party services. Any payments made by your customers are processed by the applicable third-party processor, not by PayPool. You are responsible for reviewing, accepting, and complying with all applicable processor terms, agreements, policies, fee schedules, risk rules, underwriting requirements, identity verification requirements, dispute rules, refund rules, chargeback rules, account requirements, and processor requirements.
Square and Stripe terms
If Square is used, your use of Square is subject to Square’s applicable terms, including Square’s General Terms of Service, Payment Terms, Privacy Notice, pricing, and any additional Square terms that apply. If Stripe is used, your use of Stripe is subject to Stripe’s applicable terms, including the Stripe Services Agreement, Stripe Privacy Policy, pricing, Connected Account terms if applicable, and any additional Stripe terms that apply. Square and Stripe may update their terms, fees, rules, and policies at any time.
Your payment processor account
Depending on your setup, PayPool may assist with creating, configuring, organizing, or managing a Square or Stripe account for your business. You are responsible for providing accurate and complete information required to create, verify, maintain, and operate the processor account, including business information, tax information, EIN, address, owner information, bank account information, identity verification information, and customer billing information.
Processor decisions, holds, reserves, disputes, and fees
You are responsible for all payment processor fees, chargebacks, refunds, reversals, disputes, reserves, holds, processor account reviews, suspensions, terminations, fraud reviews, card network rules, ACH rules, bank rules, and customer payment failures. PayPool does not control and is not responsible for processor underwriting decisions, risk reviews, account approvals, account closures, pricing changes, payout delays, holds, reserves, disputes, chargebacks, refunds, reversals, or failed payments.
Limited administrative authorization
By using PayPool, you authorize PayPool to act as a limited administrative service provider for the purpose of helping set up, configure, support, and manage your recurring billing system. This may include creating or assisting with processor account setup, configuring payment settings, creating customers, creating payment links, creating recurring billing items, invoices, or subscriptions, viewing customer billing records, viewing payment statuses, assisting with failed-payment workflows, and communicating with you about setup, verification, and processor requirements.
No ownership of your business or funds
PayPool does not become the owner of your business, your customers, your receivables, your funds, or your payment processor account solely by providing setup or administrative services. You remain responsible for reviewing all account information, billing settings, payment amounts, customer authorizations, processor activity, payouts, fees, disputes, and account notices.
PayPool service fees
Unless otherwise agreed in writing, the PayPool service fee is $199 per month. This PayPool service fee is separate from and in addition to any Square, Stripe, bank, card network, ACH, chargeback, refund, dispute, hardware, software, tax, or other third-party fees. PayPool’s service fee does not include payment processor fees. You authorize PayPool or its payment provider to charge your selected payment method for PayPool’s monthly service fee and any other amounts you agree to pay PayPool.
Suspension for failed PayPool subscription payments
If your PayPool subscription payment fails, PayPool may suspend or restrict access to your PayPool dashboard, customer billing tools, setup support, payment links, administrative support, and related services until payment is brought current.
Customer payment authorizations
You are responsible for obtaining proper authorization from your customers before charging them, enrolling them in recurring billing, saving a card on file, sending payment links, setting up ACH payments, or using any automatic payment method. You are responsible for ensuring that your customer billing practices comply with applicable laws, card network rules, ACH rules, Square rules, Stripe rules, consumer protection laws, cancellation laws, refund laws, notice requirements, and recurring billing requirements.
No guarantee of payment
PayPool does not guarantee that your customers will pay, that payments will succeed, that recurring billing will not fail, that payment methods will remain valid, that funds will settle, or that Square or Stripe will approve, maintain, or continue your account. Payments may fail for many reasons, including insufficient funds, expired cards, blocked cards, bank declines, ACH failures, customer disputes, processor risk reviews, processor holds, card network rules, incorrect customer information, customer cancellation, or technical issues.
Client responsibilities
You agree to provide accurate business, owner, tax, bank, contact, and customer billing information; keep your contact information current; review all PayPool, Square, Stripe, and processor account activity; review fees, payouts, disputes, refunds, and customer payments; obtain customer authorization before charging customers; comply with applicable laws and processor rules; respond promptly to setup and verification requests; and notify PayPool immediately of unauthorized access, incorrect billing settings, disputes, or suspected errors.
Prohibited uses
You may not use PayPool for illegal activity, fraudulent activity, unauthorized charges, charging customers without authorization, misrepresenting payment terms, processing payments for goods or services not actually provided, evading processor or legal requirements, or any business or activity prohibited by Square, Stripe, another processor, or applicable law. PayPool may suspend or terminate access if we believe your use creates legal, financial, reputational, processor, customer, or operational risk.
Cancellation of PayPool services
You may cancel PayPool services at any time by emailing PayPool at support@paypool.io or by opening your Square invoice email and selecting the cancellation option available through Square. Cancellation of PayPool does not automatically cancel any obligations you may have to Square, Stripe, your customers, your bank, card networks, ACH providers, or any other third party.
30-day processor access transfer request period
If you cancel PayPool services, you have 30 calendar days from the cancellation date to email support@paypool.io and request transfer or relinquishment of administrative access to the applicable Square or Stripe account. You are responsible for responding promptly to PayPool’s transfer instructions and providing any information reasonably required to complete transfer, relinquishment, ownership update, admin update, login update, bank update, identity verification, or account transition steps required by Square, Stripe, or PayPool.
Failure to request transfer after cancellation
If you do not contact PayPool at support@paypool.io within 30 calendar days after cancellation to request transfer or relinquishment of processor access, or if you do not respond to PayPool’s reasonable transfer instructions within that period, PayPool may cancel, close, deactivate, disable, restrict, or terminate the Square or Stripe account or related billing setup to the extent permitted by Square, Stripe, and applicable law. PayPool is not responsible for loss, interruption, failed payment, billing disruption, lost authorization, lost access, payout delay, processor review, processor closure, account deactivation, or data loss caused by your failure to request transfer or respond within the 30-day period.
Data and records after cancellation
After cancellation, PayPool may retain certain records as needed for business records, legal compliance, dispute defense, fraud prevention, tax purposes, processor inquiries, and internal operations. PayPool is not required to maintain active dashboard access, payment links, customer records, billing automations, recurring payment workflows, or processor administrative support after cancellation.
Service availability
PayPool may experience interruptions, delays, errors, bugs, outages, maintenance periods, third-party failures, processor outages, hosting outages, internet failures, database issues, or other service interruptions. PayPool does not guarantee uninterrupted or error-free service.
No legal, tax, accounting, or financial advice
PayPool provides billing setup and administrative support services. PayPool does not provide legal advice, tax advice, accounting advice, financial advice, investment advice, banking advice, or compliance advice. You are responsible for consulting your own attorney, accountant, tax advisor, financial advisor, or compliance advisor as needed.
Intellectual property and confidentiality
PayPool owns the PayPool brand, website, dashboard, software, workflows, templates, systems, documentation, designs, text, graphics, logos, and other materials, except for materials owned by third parties or information you provide. You may not copy, resell, reverse engineer, reproduce, distribute, or create derivative works from PayPool without written permission. You also agree not to disclose PayPool’s non-public systems, workflows, internal processes, pricing exceptions, software, templates, or confidential business information without written permission.
Limitation of liability
To the maximum extent permitted by law, PayPool is not liable for indirect, incidental, special, consequential, punitive, exemplary, or lost-profit damages, including lost revenue, lost business, lost customers, lost data, failed payments, processor holds, reserves, suspensions, terminations, chargebacks, refunds, reversals, disputes, bank actions, customer claims, or business interruption. To the maximum extent permitted by law, PayPool’s total liability for any claim related to PayPool, these Terms, or the services will not exceed the amount you paid to PayPool for the one month immediately preceding the event giving rise to the claim.
Indemnification
You agree to defend, indemnify, and hold harmless PayPool, its owners, employees, contractors, vendors, agents, and affiliates from and against claims, losses, damages, liabilities, costs, fees, penalties, disputes, chargebacks, refunds, reversals, customer complaints, processor claims, bank claims, regulatory claims, attorney’s fees, and expenses arising out of or related to your business, customers, billing practices, failure to obtain customer authorization, processor use, violation of processor terms, violation of these Terms, violation of law, inaccurate information you provide, payment disputes, processor actions, and customer claims related to payments, billing, cancellations, or services.
Termination and changes
PayPool may suspend or terminate your access to PayPool if you fail to pay PayPool fees, violate these Terms, create legal, processor, financial, customer, or operational risk, use PayPool for prohibited activity, fail to provide required setup or verification information, if Square or Stripe suspends, restricts, or terminates your processor account, or if PayPool determines that continued service is not commercially, legally, or operationally reasonable. PayPool may update these Terms from time to time. Your continued use of PayPool after updated Terms are posted or provided means you accept the updated Terms.
Governing law and contact
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. For support, account, cancellation, billing setup, processor transfer, policy, or privacy questions, contact PayPool at support@paypool.io.