Tenants may opt in to having their history of Cozy-processed rental payments furnished to third-party consumer credit-reporting agencies. To provide this service, we may securely transmit relevant tenant personal information to such agencies, including the tenant’s name, date of birth, address, payment amounts, and payment dates. Successful rent payments made by tenants while this feature is enabled may appear on credit reports provided by such agencies (including reports provided outside of the Service) and may be taken into account by such agencies in calculating credit scores. This feature may be disabled by tenants at any time. While this feature is enabled, months for which no payment has been made via Cozy will be reported to agencies as “no activity” (which is not an indication of failure to pay rent or of late payment). If a tenant disables this feature during the term of a current lease, the entire payment history associated with that lease may be deleted from reports about that tenant. Tenants may also have their entire Cozy rental payment history deleted from agencies’ reports upon request, though such removal will require processing by the agencies and may not take effect immediately. If you are a tenant and would like your payment history removed from credit reports about you, please contact us at firstname.lastname@example.org. Please note that, apart from giving tenants the ability to have their entire Cozy rent payment history removed from agency credit reports, Cozy does not control how or for how long payment history data covering periods during which this feature was enabled will appear on such credit reports.
Insurance products are sold exclusively through Cozy Insurance Services, LLC, a Florida limited liability company (doing business in California as Cozy Home Insurance Agency), as agent for Assurant, Inc.’s subsidiary insurance companies. Please direct all insurance billing, coverage, and claims inquiries to Assurant. All descriptions of coverage presented on the Services are summaries only; please obtain and refer to full policy documents for details on coverage limits, conditions, and exclusions. If you are a tenant eligible to purchase renters insurance through the Service, we may share your rental property address and your answers to any follow-up underwriting questions with Assurant during the rent payment setup process; no other personal information will be shared with Assurant unless you accept a quote (at which time we will share other information necessary to complete your policy purchase, including without limitation your name and contact information and any payment details you provide).
Our lawyer made us use all caps for the following two big blocks of text (which you should still read). We promise, we’re not yelling at you.
THE SERVICE IS PROVIDED “AS-IS” WITHOUT PROMISES OF ANY KIND. NEITHER WE NOR OUR SUPPLIERS WARRANT OR GUARANTEE UPTIME OR AVAILABILITY OF THE SERVICE, THAT THE SERVICE WILL MEET OR CONTINUE IN THE FUTURE TO MEET YOUR NEEDS, OR THAT WE WILL CONTINUE TO PROVIDE THE SERVICE OR ANY ASPECT OF THE SERVICE IN THE FUTURE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES FOR THE SERVICE, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SEAWORTHINESS, AND NON-INFRINGEMENT.
Cozy Services Ltd. 3514 N. Vancouver Ave. 4th Floor, Portland, OR 97227 Attention: Legal
Thanks for making it through all this. We try hard to be reasonable and clear. If you have any questions, contact us at email@example.com.
Last revised May 30, 2018.