Legal

Terms of Service

Effective Date: October 16, 2026 · Last Updated: October 16, 2026

These Terms of Service (“Terms”) are a legally binding agreement between you and Her Own Sky LLC, a Minnesota limited liability company (“Her Own Sky,” “Company,” “Covelight,” “we,” “us,” or “our”), governing your access to and use of the Covelight mobile applications, website, payment tools, rental-management services, booking services, tenant-authorized records, and related services (collectively, the “Service”).

Please read these Terms carefully.

By creating a Covelight account, clicking or otherwise indicating that you agree to these Terms, or accessing a feature for which acceptance of these Terms is required, you agree to be bound by them.

If you do not agree to these Terms, do not create an account or use the Service.

Our Privacy Policy separately explains how we collect, use, disclose, retain, and protect personal information.

Certain features require additional disclosures, authorizations, policies, or third-party agreements. These may include the Stripe Connected Account Agreement (for property owners and hosts who receive payments), ACH Direct Debit authorizations presented on a Stripe-hosted page (for tenants), bank-verification permissions, booking terms, or other feature-specific terms presented to you before use.

1. Eligibility

To create a Covelight account or use account-based portions of the Service:

You must be at least 18 years old.
You must be a resident of the United States where required for the services you use.
You must have the legal capacity and authority to enter into these Terms.
You must provide accurate, current, and complete information.
You must keep your account information reasonably current.

If you create or use an account on behalf of a company, property owner, property-management business, or other legal entity, you represent that you have authority to bind that entity to these Terms.

If you access a tenant-authorized Verified Rent Record without creating an account, additional recipient terms or restrictions presented before access may apply to your use of that record.

2. Account Registration and Security

You are responsible for maintaining the confidentiality and security of your account credentials and authentication methods.

You agree to:

use your own account and accurate identity information;
take reasonable steps to prevent unauthorized access;
promptly notify us if you believe your account has been compromised;
not provide access to your account to anyone who is not authorized to act on your behalf; and
cooperate with reasonable identity, fraud, or account-security verification.

You are responsible for activity conducted through your account to the extent permitted by applicable law.

We may suspend, restrict, or require additional verification of an account when we reasonably believe it has been compromised, is being used fraudulently, presents a security or payment risk, or violates these Terms.

3. About Covelight

Covelight is a property listing and management software platform, not a payment processor, rental agency, or property manager. Property owners pay Covelight for access to its technology. They manage their own properties, deal directly with their tenants and guests, and receive payments directly into their own accounts.

Covelight’s software provides tools for property and listing management, requesting and tracking rent payments, tenant communication, maintenance tracking, document management, short-term stay booking, and related services. Payments made using the Service are processed by Stripe, Inc. and its affiliates (“Stripe”) directly into the property owner’s own Stripe account, as described in Section 9.

Depending on your role and available features, Covelight may provide:

3.1 Landlords and Property Managers

Features may include:

property and unit management;
tenant onboarding and invitations;
tools to request rent payments from your tenants into your own Stripe account;
month-by-month tracking of whether rent was received;
maintenance-request management;
in-app messaging;
lease and property-document storage;
payment records and summaries, reported by month;
administrative notice templates; and
management of long-term or short-term rental units.

3.2 Tenants

Features may include:

setting up and authorizing rent payments to your landlord;
where your landlord has enabled it, dividing a month’s rent into smaller scheduled payments to your landlord;
payment-progress tracking;
maintenance requests;
messaging;
lease-document access;
payment history;
tenant-authorized Verified Rent Records; and
other optional services that Covelight may introduce.

3.3 Hosts and Guests

For short-term stays, Covelight may provide:

property listings;
booking management;
reservations;
host-guest communication;
reviews;
tools that let guests pay the host directly, into the host’s own Stripe account, for a booking; and
other stay-management features.

The exact features available to you may depend on your account type, property, location, service plan, eligibility, or third-party provider requirements.

4. Covelight’s Role

Except where expressly stated otherwise:

Covelight is not a landlord, tenant, property manager, rental agency, real-estate broker, payment processor, money transmitter, bank, lender, credit counselor, law firm, financial advisor, insurer, or consumer reporting bureau.
Covelight does not receive, hold, pool, transfer, or release rent or booking funds. Those payments are made directly to the property owner’s own Stripe account and paid out by Stripe to the owner’s bank.
Covelight does not act as an agent of any landlord, tenant, host, or guest, and does not collect payments on anyone’s behalf.
Covelight does not own, lease, control, inspect, or manage properties merely because they are listed or managed through the Service.
Covelight does not become a party to a lease solely because a lease, rent payment, communication, or maintenance request is managed through the Service.
Covelight does not guarantee the legal enforceability of any lease, notice, rental term, booking term, or agreement between users.
Covelight does not guarantee that a landlord, tenant, host, guest, property, listing, payment, or transaction will meet another user’s expectations.

Users remain responsible for their own legal relationships and obligations.

4.1 Tenant Screening Referrals

Covelight may name, link to, or otherwise refer a housing provider to a third-party tenant-screening service, such as a provider of background checks, credit checks, eviction searches, or similar reports. Any such reference is a referral only.

If a housing provider engages one of those services, that engagement is solely between the housing provider and that third party. Covelight is not a party to it and does not act as an intermediary in it.

Covelight does not receive, store, retain, score, summarize, or interpret any screening report or any information contained in one, and Covelight does not know whether a housing provider requested, obtained, or relied on such a report.

A housing provider that obtains a screening report is solely responsible for how it is requested, used, retained, and disclosed, and for complying with the Fair Credit Reporting Act, applicable state and local tenant-screening and fair-housing laws, and the terms of the provider it engages. Nothing in a Covelight referral is an endorsement of a provider or of any housing decision a recipient makes.

5. User Responsibilities

5.1 Landlords and Property Managers

If you use Covelight as a landlord, property owner, or property manager, you represent and agree that:

you have authority to manage or act with respect to the properties associated with your account;
information you provide about properties, rent, leases, tenants, fees, and payment obligations is accurate;
you will comply with applicable landlord-tenant, fair-housing, anti-discrimination, consumer-protection, licensing, privacy, rent-control, notice, screening, and other laws;
you will not use Covelight or information obtained through Covelight to engage in unlawful housing discrimination;
you will not request, disclose, or misuse tenant information for an unauthorized purpose;
you are responsible for determining the legal requirements that apply to your properties;
if you request rent payments through the Service, you will open and maintain a Stripe connected account in your own name, you are the merchant for those payments, and you are responsible for refunds, returns, and disputes on them under your agreement with Stripe;
you will give your tenants a way to pay rent other than through Covelight where applicable law requires it, including under Minn. Stat. § 504B.118 for Minnesota properties, and you will provide those alternative payment instructions when you turn on rent requests;
you are responsible for any fee disclosures required by applicable law, including under Minn. Stat. § 504B.120. Covelight currently charges tenants no fee for paying rent through the Service; and
you will not treat a tenant as late or delinquent for a delay caused by an outage of the Service (see Section 26).

Covelight does not determine whether a housing decision is lawful.

5.2 Tenants

If you use Covelight as a tenant, you agree to:

provide accurate payment and tenancy information;
maintain valid payment information when required;
review scheduled transfers and payment instructions;
promptly report payment discrepancies or unauthorized activity; and
use tenant-sharing features only for lawful purposes.

Covelight does not alter the amount of rent legally owed under your lease merely because payment tools are available through the Service.

5.3 Hosts

If you list a short-term stay, you represent that:

you have authority to offer the property;
the listing is materially accurate;
the property may lawfully be offered for the stay;
you will comply with applicable licensing, registration, tax, safety, occupancy, accessibility, and short-term-rental requirements;
you will honor confirmed bookings subject to applicable cancellation terms; and
you will receive booking payments into your own Stripe connected account, you are the merchant for those payments, and refunds and disputes are paid from your Stripe account balance.

5.4 Guests

If you book a short-term stay, you agree to:

provide accurate booking information;
comply with lawful property and booking rules disclosed before booking;
use the property only for authorized purposes;
respect occupancy limits and safety requirements; and
be responsible for your own conduct and, where applicable, the conduct of people included in your reservation.

6. Landlord Subscription Fees

6.1 Subscription

Unless a different offer is displayed before purchase:

landlord subscriptions are $19.99 per month for up to five units;
additional units are $2.99 per month per unit; and
the monthly subscription charge is capped at $199.99 per month.

Long-term and short-term units may be included in the unit count where supported.

Taxes, if applicable, may be added to the amount displayed.

6.2 Automatic Renewal

A monthly subscription continues until canceled.

Before enrollment, Covelight will display the recurring price, billing frequency, cancellation terms, and other information required by applicable law.

By subscribing, you authorize the applicable payment processor to charge the selected payment method at each renewal until cancellation.

Where required by law, we will provide a confirmation capable of being retained and any required renewal or continuous-service notices.

6.3 Cancellation

You may cancel through the cancellation method made available in the Service.

Cancellation generally becomes effective at the end of the current paid billing period unless applicable law or an offer expressly provides otherwise.

Subscription fees already charged are non-refundable except where:

required by applicable law;
the applicable purchase terms provide otherwise; or
Covelight elects to issue a refund or credit.

Cancellation does not eliminate amounts already due.

6.4 What Covelight Charges For

Covelight earns revenue from property owners’ subscriptions for access to its software. Covelight does not take any portion of rent or booking payments.

Stripe’s processing costs on payments to your Stripe account are paid by Covelight and are not deducted from the payments you receive.

7. Tenant Fees

Covelight’s core long-term tenant features are available without a Covelight subscription fee unless otherwise disclosed before use.

Covelight charges no fees on rent payments. Covelight does not charge tenants a processing, convenience, or transaction fee for paying rent through the Service, and tenant processing fees are disabled. If that ever changes, any fee will be disclosed to you before you authorize a payment, and it will never apply to a payment you make by your landlord’s alternative payment method.

Your financial institution may independently impose overdraft, insufficient-funds, returned-payment, or other account fees. Covelight does not control those charges.

Optional paid tenant features introduced in the future will be presented with applicable pricing and recurring-payment terms before enrollment.

8. Short-Term Stay Fees and Charges

Short-term stay bookings may include the following charges, all set by the host and paid directly to the host:

nightly or booking charges;
taxes;
host-authorized charges;
refundable deposits where offered; or
other amounts disclosed before booking confirmation.

Covelight does not charge guests or hosts a booking fee or service fee.

The total amount known to Covelight at the time of booking will be displayed before confirmation.

Any applicable cancellation and refund terms will also be made available before the booking is completed.

No undisclosed fee will be added to a booking after a reservation has been confirmed.

9. Payments and Stripe

9.1 How payments work

Rent and short-term booking payments made using the Service are processed by Stripe through Stripe Connect. Each payment is a direct charge on the property owner’s or host’s own Stripe connected account. The owner or host is the merchant for that payment. Stripe processes the payment and pays it out to the owner’s or host’s bank account on that Stripe account’s payout schedule.

9.2 Covelight does not handle funds

Covelight provides software that lets owners and hosts request payments and lets tenants and guests set up and authorize payments. Covelight does not receive, hold, pool, transfer, or release rent or booking funds, and those funds never pass through any account belonging to Covelight or Her Own Sky LLC.

9.3 Owners and hosts

To receive payments through the Service, you must open a Stripe connected account and accept the Stripe Connected Account Agreement, which includes the Stripe Services Agreement. Stripe may verify your identity and business information, and it may hold reserves, delay payouts, or restrict your account under its own terms. Refunds, returned payments, and disputes on your payments are drawn from your Stripe account balance. Covelight is not responsible for a negative balance on your Stripe account. Responsibility for negative balances, losses, and reserves is governed by your agreement with Stripe.

9.4 Tenants and guests

When you pay a landlord or host using the Service, you authorize the payment on a page hosted by Stripe. For bank payments, your bank account is verified through Stripe Financial Connections or, where that is unavailable, by micro-deposits. Your ACH Direct Debit authorization names your landlord or host as the payee.

9.5 Separate agreements

Stripe’s terms are separate agreements between you and Stripe. Your acceptance of Covelight’s and Stripe’s terms, and your payment authorizations, may be recorded electronically in an auditable manner, as described in Section 10 and in our Privacy Policy.

10. ACH and Electronic Payment Authorization

Acceptance of these Terms alone does not replace any separate ACH authorization required for a recurring or scheduled electronic transfer.

Before any electronic debit is made from a consumer bank account through the Service, you will be presented, on a page hosted by Stripe, with a payment authorization that identifies information such as:

the payee, which is your landlord or host and not Covelight;
the account or funding source;
the amount or method for determining the amount;
the timing or frequency of the transfer;
the payment purpose;
applicable retry terms;
how to revoke or modify future authorization where permitted; and
other information required by law or the payment provider.

Covelight records each authorization you give, including the exact authorization text shown, the version of these Terms in effect, the date and time, your IP address, and information about the device used.

You must affirmatively authorize the applicable transaction or series of transactions.

Where required, a copy or electronic record of the authorization will be provided to you.

If payment amounts vary, any notice required by applicable law will be provided through the method associated with the payment authorization.

Revoking authorization for future transfers does not cancel rent or another debt you independently owe under a lease, booking, or other agreement.

11. Scheduled Rent Payments

Where a landlord has enabled it, the Service may allow tenants to divide a month’s rent into multiple scheduled payments to the landlord.

Where this feature is used:

the schedule selected or approved by the tenant will be presented before authorization;
transfer status may depend on bank processing and settlement;
a transfer being initiated does not mean it has cleared;
the Service may show you your own progress toward the month’s rent; and
each scheduled payment is a separate charge on your landlord’s Stripe account, processed by Stripe. Covelight does not receive, hold, or transmit these funds.

Your landlord sees only whether each month’s rent was paid in full and on time. However, depending on how your landlord’s Stripe account pays out, your landlord’s bank statement may show separate deposits.

Transfer timing varies depending on the payment method, financial institution, weekends, holidays, risk review, network conditions, and other factors.

Any processing-time estimate is an estimate and not a guarantee.

12. Failed and Returned Payments

You are responsible for ensuring that an authorized funding source contains sufficient available funds when an electronic transfer is scheduled.

A payment may fail or be returned because of:

insufficient funds;
an invalid or closed account;
bank rejection;
revoked authorization;
fraud or compliance review;
incorrect account information; or
another reason outside Covelight’s control.

If disclosed in the applicable payment authorization, the Service may submit one additional payment attempt to your landlord’s Stripe account after a failed scheduled payment, following the disclosed waiting period, which may be approximately two days.

We will not initiate an undisclosed retry.

If a payment is delayed or fails because the Service was unavailable, Covelight will notify the landlord, flag the affected month for review before any late fee is charged, and will not mark the tenant as late or delinquent because of the outage.

If a failed payment creates a potential rent shortfall, Covelight may notify the applicable tenant and landlord of the payment status or shortfall without disclosing the tenant’s private funding schedule beyond the information described in our Privacy Policy.

A failed Covelight payment does not determine the parties’ rights under their lease.

13. Payment Disputes and Errors

If you believe a payment was unauthorized, incorrect, duplicated, or otherwise processed in error, contact Covelight promptly using the contact information in Section 36.

Certain electronic-payment rights have legally mandated procedures and deadlines. Nothing in these Terms limits a right that cannot lawfully be waived.

We may request information reasonably necessary to investigate a payment issue.

Payment disputes concerning a lease, booking, property condition, landlord conduct, tenant conduct, or another underlying transaction remain disputes between the applicable parties unless Covelight expressly assumes responsibility for that issue.

Because rent and booking payments are made directly to the property owner’s or host’s Stripe account, refunds and payment disputes are resolved on that account under Stripe’s processes and the owner’s or host’s agreement with Stripe. Covelight will help with information from its records where it can.

14. Verified Rent Record

Covelight may offer a Verified Rent Record that allows a tenant to voluntarily share certain Covelight payment records with a prospective landlord or other tenant-authorized recipient.

14.1 Tenant Control

The tenant decides whether to create or share the record.

Covelight does not independently select prospective landlords or send a Verified Rent Record to them without the tenant’s direction.

A sharing link may include security features such as:

a separate access code;
an expiration period;
revocation;
failed-access limits; and
access logging.

14.2 Information Shown

A Verified Rent Record may display information such as:

the tenant’s first name and last initial;
city and state of the tenancy;
monthly rent amount;
the period covered;
whether the tenancy is current; and
monthly payment classifications generated from Covelight’s payment records.

The exact information displayed will be described through the Service.

14.3 Payment Record Scope

A Verified Rent Record reflects payments made to the landlord using the Service.

It does not represent payments made outside Covelight and is not intended to represent a tenant’s complete rental history.

Covelight may distinguish among payment outcomes using factual classifications describing whether a payment was completed as scheduled using the Service, whether a returned payment was later completed, or whether the full amount was not paid using the Service.

14.4 No Tenant Score or Recommendation

The Verified Rent Record does not include a Covelight tenant score, grade, star rating, landlord opinion, criminal-background search, eviction search, or recommendation concerning whether a person should be approved for housing.

Covelight does not make the recipient’s housing decision.

14.5 Corrections and Disputes

Tenants may dispute information in a Verified Rent Record through the dispute method made available by Covelight.

Covelight may mark information as disputed or under review while an investigation is pending.

If Covelight determines that its underlying payment information is inaccurate, Covelight may correct the record and take other actions reasonably necessary to address recipients who previously received or accessed inaccurate information where required by law.

Covelight may maintain audit information concerning sharing, access, record versions, disputes, and corrections.

14.6 Recipient Responsibilities

A recipient who accesses a Verified Rent Record may be required to affirmatively accept recipient terms before viewing the record.

Recipients agree to:

use the information only for the tenant-authorized purpose;
comply with applicable fair-housing, anti-discrimination, tenant-screening, privacy, and consumer laws;
not sell or publicly republish the record;
not misrepresent the scope or meaning of the information;
maintain reasonable safeguards against unauthorized access; and
not use the information for an unrelated purpose without lawful authority.

The recipient is responsible for determining what information may lawfully be considered in a housing decision.

15. Credit Reporting

Covelight does not currently offer credit reporting and is not accepting enrollments. Credit reporting is not part of the Service.

If introduced:

participation will be optional;
applicable fees will be disclosed before enrollment;
separate disclosures or authorization may be required;
eligibility and reporting criteria may apply;
Covelight will explain what information is furnished;
dispute and correction procedures will be provided; and
the participating consumer reporting agencies or reporting provider will be identified.

We do not guarantee that participation will improve a credit score or affect a credit file in any particular way.

16. Short-Term Stays and Bookings

16.1 Booking Formation

A short-term stay becomes confirmed when the booking process indicates that the reservation has been accepted and any required payment authorization has been completed.

The booking confirmation, listing terms, house rules, pricing, cancellation policy, and other disclosures presented at booking form part of the booking agreement between the applicable host and guest.

Unless expressly stated otherwise, Covelight is not the property owner or lodging provider. The guest pays the host directly: each booking payment is a direct charge on the host’s own Stripe account, and the host is the merchant for that payment.

16.2 Cancellations and Refunds

The cancellation and refund policy applicable to a booking will be disclosed before confirmation.

Refund eligibility may depend on:

who canceled;
when cancellation occurred;
the applicable listing policy;
circumstances affecting the property or stay;
applicable law; and
any special refund terms displayed at booking.

The Service will apply the cancellation and refund terms presented at booking, subject to applicable law. Refunds are paid from the host’s Stripe account to the guest’s original payment method.

16.3 Host Cancellations

Hosts should not cancel confirmed reservations without a legitimate reason.

Repeated or improper cancellations may result in restrictions, penalties, removal of a listing, suspension, or termination.

16.4 Property Conditions and Safety

Hosts are responsible for the condition, legality, safety, cleanliness, accessibility disclosures, and accuracy of their properties and listings.

Guests are responsible for evaluating whether a property meets their individual requirements.

Covelight does not independently inspect every listed property and does not guarantee that a property is free from hazards.

16.5 Taxes

Users are responsible for taxes applicable to their rental or booking activities except to the extent Covelight or a payment provider is legally required to calculate, collect, report, or remit a tax.

17. Reviews for Short-Term Stays

Covelight may permit hosts and guests to review one another after a completed short-term booking.

Reviews must:

relate to a genuine Covelight booking;
reflect the user’s own experience;
not knowingly contain false factual claims;
not contain unlawful discrimination, threats, harassment, private financial information, or other prohibited content; and
comply with these Terms.

Covelight may remove or restrict reviews that violate these Terms, applicable law, or our content standards.

Covelight does not edit reviews merely because another user disagrees with an opinion expressed in good faith.

Short-term-stay reviews are separate from Verified Rent Record and are not included in the tenant’s Verified Rent Record.

18. Messaging, Maintenance Requests, and Documents

Covelight may provide messaging, maintenance-request, document-storage, and related features.

Users are responsible for information they submit through these features.

A message sent through Covelight is not guaranteed to satisfy a legal notice requirement unless applicable law and the underlying agreement permit that method of notice.

Users remain responsible for determining when notices must be delivered through certified mail, personal service, posting, government filing systems, or another legally required method.

Communications between landlords and tenants. Covelight does not communicate with tenants on a landlord’s behalf. Notices, renewal offers, and other communications between a landlord and a tenant are written and sent by the landlord. The one exception is when Covelight carries out a landlord’s explicit request. For example, when a landlord chooses “Collect rent with Covelight,” Covelight sends the tenant an email that requests rent setup on the landlord’s behalf. Covelight may show a landlord reminders, such as an upcoming lease expiration, but it does not send those reminders to the tenant automatically.

Covelight’s own messages. Covelight sends its own transactional messages to its users, such as receipts, payment confirmations, booking confirmations, and password resets. Those messages come from Covelight itself, not from any landlord or host.

19. Templates and Informational Materials

Covelight may provide lease-related, property-management, notice, maintenance, payment, or administrative templates, examples, reminders, or informational materials.

These materials are provided for administrative convenience and general informational purposes only. They are not legal advice.

Laws governing rental notices, leases, eviction procedures, payment demands, deposits, property conditions, disclosures, and other housing matters vary by jurisdiction.

Covelight does not represent that a template satisfies the legal requirements of every state, county, or municipality.

You are responsible for determining the legal requirements applicable to your situation and obtaining professional advice when appropriate.

20. Tenant Privacy

Covelight is designed to limit unnecessary disclosure of a tenant’s financial activity to landlords and property managers.

Through ordinary landlord-facing functionality, Covelight does not make the following information available merely because a landlord uses Covelight:

bank login credentials;
linked bank-account details;
the tenant’s payment schedule, including whether rent is divided into installments;
the number of payments made toward a month’s rent;
individual payment amounts; or
individual payment dates.

Landlord-facing features report rent by month, never by installment. For each month, a landlord sees whether rent was paid in full and on time, or not. Twelve months of rent appears the same whether it was paid in twelve payments or twenty-four. Covelight enforces this on its own servers and does not send installment-level information to landlord-facing screens.

Because the landlord is the merchant for rent payments, Stripe may make certain payment information available to the landlord under the landlord’s own agreement with Stripe.

Information may nevertheless be disclosed where:

the tenant directs the disclosure;
disclosure is necessary to perform an authorized transaction;
the information relates directly to the landlord’s own transaction;
applicable law requires or permits disclosure; or
disclosure otherwise occurs as described in the Privacy Policy.

Our Privacy Policy contains additional information about Covelight’s data practices.

21. User Content

“User Content” means content you upload, send, create, or provide through Covelight, including messages, photographs, videos, maintenance materials, lease documents, listing content, and reviews.

You retain ownership of your User Content.

You grant Her Own Sky LLC a non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, transmit, display, format, and otherwise use User Content only as reasonably necessary to provide, secure, improve, support, or legally operate the Service.

This license ends when the content is deleted from our systems except:

for reasonable backup-retention periods;
where another user has a continuing lawful copy;
where retention is required for transactions, disputes, fraud prevention, security, legal claims, or compliance; or
as otherwise described in the Privacy Policy.

You represent that you have the rights necessary to provide the User Content and permit Covelight to process it as described in these Terms.

22. Acceptable Use

You may not use Covelight to:

violate applicable law;
commit fraud, money laundering, identity theft, or another financial crime;
unlawfully discriminate in housing or lodging;
harass, threaten, stalk, or abuse another person;
impersonate another person or misrepresent your authority;
provide knowingly false property, tenancy, payment, identity, or booking information;
interfere with the Service or its infrastructure;
bypass security or access controls;
access another user’s account without authorization;
introduce malware or harmful code;
scrape or systematically extract Service data without written permission;
use bots or automated means to create accounts or abuse Service functionality;
sell or unlawfully redistribute personal information obtained through the Service;
create multiple accounts to evade a restriction or suspension;
use payment features for an unauthorized or unrelated purpose; or
use Covelight in a way that creates material legal, security, financial, or operational risk.

We may investigate suspected violations and take reasonable protective action.

23. Intellectual Property

The Service, including Covelight’s software, source code, object code, interfaces, design, graphics, branding, trademarks, logos, documentation, and original content, is owned by Her Own Sky LLC or its licensors and is protected by applicable intellectual-property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use Covelight for its intended purpose.

This license does not permit you to:

copy or commercially exploit the Service except as expressly allowed;
reverse engineer the Service except where law prohibits that restriction;
remove proprietary notices;
create a competing service using unauthorized access to Covelight systems or proprietary materials; or
use our trademarks without permission.

Feedback

If you voluntarily provide product ideas or feedback, you permit us to use that feedback without restriction or compensation, provided we do not thereby acquire ownership of unrelated intellectual property you own.

24. Third-Party Services

Covelight depends on third-party services such as financial-data providers, payment processors, financial institutions, cloud infrastructure, communications providers, authentication services, analytics providers, and other technology vendors.

Third-party services may have their own terms and privacy policies.

We do not control independent third parties and cannot guarantee their uninterrupted availability.

We remain responsible for our own obligations under applicable law and these Terms.

25. Account Closure and Cancellation

25.1 By You

You may request account closure through the Service or by contacting us.

Pending payments, transfers, reservations, refunds, disputes, balances, or other outstanding obligations may need to be completed, canceled, or otherwise resolved before certain functionality can be fully disabled.

Closing an account does not necessarily mean that every record associated with the account is immediately deleted.

Personal information is retained or deleted in accordance with our Privacy Policy, applicable law, payment obligations, disputes, security requirements, and legitimate recordkeeping needs.

25.2 By Covelight

We may suspend, restrict, or terminate an account if:

you materially violate these Terms;
we reasonably suspect fraud or unlawful activity;
continued access creates material security, legal, payment, or operational risk;
a required third-party provider restricts the associated service;
we are required to do so by law; or
an account has been inactive for an extended period and has no active properties, tenancies, bookings, payments, balances, or other unresolved obligations.

When reasonably possible and legally permitted, we will provide notice.

25.3 Effect of Termination

Termination does not eliminate:

amounts already owed;
completed transactions;
existing legal obligations;
rights or liabilities arising before termination; or
provisions of these Terms that by their nature should survive termination.

26. Service Changes and Availability

We may add, remove, modify, suspend, or discontinue features.

We will provide notice where a change materially affects an ongoing paid service or where applicable law requires notice.

We do not guarantee that Covelight will always be uninterrupted, error-free, or available.

Scheduled maintenance, emergency maintenance, internet outages, banking-network disruptions, vendor outages, security events, governmental action, and other circumstances may affect availability.

27. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”

WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

We do not guarantee:

uninterrupted or error-free operation;
that every transaction will complete on a particular date;
that every user will perform their obligations;
the legality or condition of a property;
the outcome of a landlord-tenant dispute;
approval for housing;
the effect of a future credit-reporting feature;
the accuracy of information supplied by another user; or
that a template or informational resource satisfies the law of a particular jurisdiction.

Nothing in these Terms disclaims a warranty, remedy, right, or obligation that cannot lawfully be disclaimed.

28. Limitation of Liability

To the maximum extent permitted by applicable law:

Her Own Sky LLC and its officers, directors, employees, contractors, and agents will not be liable for indirect, incidental, special, exemplary, consequential, or punitive damages arising from or relating to the Service, including lost profits, lost opportunities, or loss of data, except where such limitation is prohibited by law.

Our aggregate liability arising from or relating to the Service will not exceed the greater of:

the amount you paid directly to Her Own Sky LLC for the Service during the twelve months immediately preceding the event giving rise to the claim; or
$500.

The foregoing limitations do not exclude or limit liability to the extent it cannot lawfully be excluded or limited, including liability arising from fraud, willful misconduct, gross negligence or conduct greater than ordinary negligence where applicable law prohibits such limitation, or statutory rights that cannot be waived.

Covelight is not responsible for losses caused solely by the independent acts or omissions of a bank, financial institution, payment network, payment processor, landlord, tenant, host, guest, or another third party where Covelight did not cause or contribute to the loss, subject to rights that cannot lawfully be waived.

29. Indemnification

29.1 Business Users

To the extent permitted by law, landlords, property managers, hosts, businesses, and users acting primarily for commercial purposes agree to indemnify, defend, and hold harmless Her Own Sky LLC and its officers, directors, employees, and agents against third-party claims, losses, liabilities, damages, and reasonable costs arising from:

a material breach of these Terms;
unlawful or fraudulent conduct;
violation of housing, property, licensing, tax, privacy, or other law for which the user is responsible;
a property, listing, lease, booking, or service controlled by the user;
User Content that infringes another person’s rights; or
misuse of information obtained through Covelight.

29.2 Consumer Users

A consumer user’s indemnification obligation applies only to the extent permitted by law and only to third-party claims materially arising from the consumer’s fraud, unlawful conduct, knowing violation of another person’s rights, or User Content the consumer was not legally entitled to provide.

30. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHT TO GO TO COURT AND, UNLESS YOU OPT OUT AS DESCRIBED BELOW, GENERALLY REQUIRES INDIVIDUAL ARBITRATION OF COVERED DISPUTES.

30.1 Informal Resolution

Before initiating arbitration, you and Her Own Sky LLC agree to make a good-faith attempt to resolve the dispute informally for at least 30 days.

A notice of dispute should include:

your name;
the email address associated with your account;
a description of the dispute; and
the relief requested.

Send notices to privacy@herownsky.com with the subject line “Notice of Dispute.”

This informal process does not eliminate or extend a statutory deadline or a right that must be exercised more quickly under applicable law.

30.2 Consumer Arbitration

If you use Covelight primarily for personal, family, or household purposes and a dispute is not resolved informally, either party may require that the dispute be resolved through binding individual arbitration administered by the American Arbitration Association (“AAA”) under its applicable Consumer Arbitration Rules.

The Federal Arbitration Act governs this arbitration agreement.

Consumer arbitration may occur remotely, through document submission, or at a location reasonably convenient to the consumer as permitted by the applicable AAA rules.

AAA’s applicable consumer fee rules will govern arbitration costs. Covelight will pay fees it is required to pay under those rules.

30.3 Business Arbitration

If you use Covelight primarily for business or commercial purposes, an unresolved dispute may be resolved through binding arbitration administered by the AAA under the rules applicable to the dispute, including the Commercial Arbitration Rules where appropriate.

Unless the parties agree otherwise or applicable rules require another location, business arbitration may take place remotely or in Ramsey County, Minnesota.

30.4 Small Claims

Either party may bring an eligible individual claim in small claims court instead of arbitration.

A consumer may bring the claim in any court of competent jurisdiction permitted by applicable law.

30.5 No Class Proceedings

TO THE EXTENT PERMITTED BY LAW, DISPUTES SUBJECT TO ARBITRATION MUST BE BROUGHT ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ARBITRATION.

If applicable law prohibits enforcement of this waiver with respect to a particular claim or form of relief, that claim or relief will be handled as required by law.

30.6 Arbitration Opt-Out

You may opt out of the arbitration provisions in this Section by sending an email to privacy@herownsky.com within 30 days after the date you first accept these Terms.

The subject line must state:

Arbitration Opt-Out

The request must include your name and the email address associated with your Covelight account.

Opting out of arbitration does not affect the rest of these Terms.

30.7 Non-Arbitrable Claims

Nothing in this Section prevents either party from:

seeking temporary or emergency relief necessary to protect account security or intellectual property;
pursuing an eligible small-claims action;
reporting a matter to a governmental regulator;
exercising a nonwaivable statutory right; or
bringing a claim that applicable law prohibits from being arbitrated.

30.8 Jury Trial Waiver

For disputes properly subject to arbitration, you and Her Own Sky LLC waive the right to trial by judge or jury and agree that the dispute will instead be decided by an arbitrator, subject to the arbitration opt-out above.

31. Electronic Communications and Signatures

You consent to receive Service-related communications electronically, including through email, in-app notifications, website notices, or other electronic methods associated with your account.

Electronic communications may include:

account notices;
payment notifications;
transaction records;
authorization copies;
subscription confirmations;
booking information;
legal notices;
policy updates; and
other Service communications.

Where applicable law requires your consent to electronic records or signatures, the required disclosure and consent will be presented separately.

You agree that an electronic acceptance, signature, security code, checkbox, or other authenticated electronic action may constitute your signature where legally permitted.

You are responsible for maintaining a valid email address and other contact information associated with your account.

32. Changes to These Terms

We may update these Terms to reflect changes in:

the Service;
applicable law;
payment providers;
security requirements;
pricing;
business operations; or
other relevant circumstances.

For material changes, we will provide advance notice where reasonably practicable and where required by law.

If a material change requires affirmative acceptance, we will request that acceptance rather than relying solely on continued use.

Changes will not retroactively alter a dispute that arose before the revised Terms became effective where doing so would be prohibited by law.

If you do not agree to updated Terms, you may stop using the Service and close your account, subject to outstanding obligations.

33. Governing Law

Except for the arbitration provision, which is governed by the Federal Arbitration Act, these Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles.

However, if you are a consumer, this choice of law does not deprive you of mandatory protections provided by the law of your state of residence that cannot lawfully be waived.

For a court proceeding not subject to arbitration:

business users consent to jurisdiction in the state or federal courts located in or serving Ramsey County, Minnesota; and
consumer proceedings may be brought in any jurisdiction required or permitted by applicable law.

34. Force Majeure

Covelight will not be liable for delay or failure to perform caused by circumstances reasonably beyond our control, including:

natural disasters;
fire;
severe weather;
war;
terrorism;
civil unrest;
governmental action;
internet or telecommunications outages;
power failures;
banking-network or ACH disruptions;
financial-institution outages;
labor disruptions;
widespread cybersecurity events; or
failure of a critical third-party infrastructure provider.

This provision does not excuse an obligation that applicable law does not permit us to avoid.

35. Miscellaneous

Entire Agreement

These Terms and any additional terms expressly incorporated into them constitute the contractual agreement between you and Her Own Sky LLC concerning the Service.

Our Privacy Policy separately describes our personal-information practices and is not intended to substitute for any authorization or consent that must be obtained separately.

Severability

If a provision of these Terms is found unenforceable, the remaining provisions will remain effective to the fullest extent permitted by law.

No Waiver

Failure to enforce a provision does not waive our right to enforce it later.

Assignment

You may not transfer these Terms or your Covelight account without our written consent.

Her Own Sky LLC may transfer these Terms in connection with a merger, acquisition, restructuring, financing, sale of assets, or transfer of the Covelight business, subject to applicable law.

No Third-Party Beneficiaries

Except where these Terms or applicable third-party financial-service terms expressly state otherwise, these Terms do not create rights for a person who is not a party to them.

Headings

Section headings are provided for convenience and do not limit the meaning of these Terms.

Survival

Provisions concerning payment obligations, intellectual property, user content as necessary for retained records, disclaimers, liability, indemnification, disputes, governing law, and any other provision that by its nature should survive will continue after account closure or termination.

36. Contact Us

For questions about these Terms, account support, payment issues, or legal notices, contact:

Her Own Sky LLC
Covelight
2688 Rice St, Unit #2108
Little Canada, MN 55113
privacy@herownsky.com

Payment disputes, account issues, and legal notices should include enough information for us to identify the account and understand the request.