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.
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 staff@reinvest.co 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 ir@househack.com 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 staff@reinvest.co 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 staff@reinvest.co 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.
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: ir@househack.com
Customer support contacts (not for legal notices):
Reinvest / ReinvestAI support: staff@reinvest.co
Meet Kevin courses / membership support: staff@meetkevin.com
Investor relations (House Hack investors): ir@househack.com
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: staff@reinvest.co
Meet Kevin Course & Membership Support: staff@meetkevin.com
Investor Relations (House Hack, Inc. investors): ir@househack.com
Legal Notices: ir@househack.com (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 staff@reinvest.co. 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.
Retention of communications.
We retain certain communications for limited periods and may delete them in accordance with our records retention practices, except where a legal hold or legal obligation requires longer retention.
BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
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House Hack, Inc. 8164 Platinum Street Ventura, CA 93004 Reinvest / ReinvestAI Support: staff@reinvest.co Meet Kevin Course & Membership Support: staff@meetkevin.com Investor Relations: ir@househack.com