Sign up
← Back

Terms & Conditions

The terms that govern your use of BnbWise.

Effective date: October 18, 2026

1. About these Terms

These Terms & Conditions (“Terms”) are a binding agreement between you and BnbWise (“BnbWise”, “we”, “us”, “our”). They govern your use of the BnbWise web application at bnbwise.app, the website at bnbwise.co, and every related feature, including messaging, bank and calendar connections, and the help assistant (together, the “Service”).

By creating an account, ticking the box that accepts these Terms, or using the Service, you agree to these Terms and to our Privacy Policy, which is part of them. If you use the Service on behalf of a company or other business, you are agreeing on its behalf and confirm you have the authority to do so. “You” then means that business. If you do not agree, do not use the Service.

Section 20 requires most disputes to be resolved by individual binding arbitration rather than in court, and waives class actions. Please read it.

2. Who may use BnbWise

  • You must be at least 18 years old and able to form a binding contract.
  • BnbWise is a business tool. It is for managing short-term or vacation rental properties that you own, operate or manage. You may not use it for personal, family or household purposes.
  • You may not use the Service if you are barred from doing so under the laws of the United States or of the country where you are, or if you are on any U.S. government sanctions list.
  • Paid subscriptions are currently available only with a U.S. billing address.

3. Your account

  • Give us accurate, complete information and keep it current.
  • You are responsible for everything that happens under your account and for keeping your password and devices secure. We strongly recommend turning on two-step verification (Settings → Login & Security).
  • An account is for one person. Do not share your login. If someone else, such as a co-host or bookkeeper, needs access, ask us first.
  • Tell us immediately at support@bnbwise.app if you believe your account has been accessed without your permission.
  • We are not liable for loss caused by someone using your password or a device you left signed in, unless the loss was caused by our failure to meet Section 12.

4. Plans, free trial and billing

One subscription, priced per property. Your account has one subscription. Its price is your plan’s price times the number of properties on your account, billed monthly or yearly in U.S. dollars through our payment processor, Stripe. One plan applies to every property. The price, billing interval and any applicable tax are shown before you subscribe.

Free trial. Every new account starts with a free trial, currently 30 days, from the moment the account is created. No payment card is needed, and nothing is charged during it. During the trial some features are limited, currently to 10 text and WhatsApp messages in total and one bank connection. You can subscribe during the trial in two ways: starting today, which ends the trial and its limits and takes the first payment that day; or starting when the trial ends, in which case the trial and its limits continue and the first payment is taken when it ends. Promotional codes apply to the subscription, not to the trial, and some delay the first payment. The trial is offered once per email address, including after an account is closed.

Adding and deleting properties. Adding a property to your subscription is charged right away, prorated for the rest of the current billing period. If the charge is declined, the property is not added. Deleting a property bills one property fewer from then on, and the unused time is credited on your next invoice. Deleting your last property ends your subscription immediately.

Automatic renewal. Your subscription renews automatically at the end of each billing period, and your card is charged the then-current price, until you cancel. You can cancel at any time in Settings → Billing. By subscribing you authorize these recurring charges.

Cancellation. Cancelling stops the next renewal. Your account stays active until the end of the period you have paid for, and you can undo the cancellation until then. When that period ends, your account is locked until you start a new subscription.

Plan changes. Switching between monthly and yearly takes effect immediately. Stripe prorates the difference as a charge or a credit on your next invoice.

No refunds. Except where the law requires otherwise, fees already paid are non-refundable. This includes partial billing periods, unused time after you cancel, delete your last property or close your account, and periods when you did not use the Service. Credit for deleting a property is applied to your next invoices; it is not paid out.

Failed payments. If a payment fails, we will show a notice in the app and Stripe will retry the charge. If payment is not made within 20 days, your account is locked.

Locked accounts. Your account is locked when the free trial ends with no subscription, when a payment stays unpaid for 20 days, or when your subscription ends. While it is locked, for every property:

  • you cannot view or change its data;
  • its bank connections are disconnected and its calendar syncs stop;
  • its scheduled messages stop.

Starting or paying your subscription unlocks the account; you then reconnect your banks. If an account stays locked for one year, we permanently delete its data.

Price changes. We may change our prices. We will tell you by email or in the app at least 30 days before a new price applies to your subscription. The new price takes effect at your next renewal after that notice. If you do not agree, cancel before then.

Taxes. Prices do not include taxes. Where required, sales tax or similar tax is added at checkout.

Complimentary access. We may give an account free access at our discretion. We may end free access with reasonable notice, after which the normal plan and price apply.

Referral rewards. We may run a referral program that rewards you when someone you refer becomes a paying customer. The offer states the reward, who qualifies and when it is earned. Unless the offer says otherwise:

  • the person you refer must be new to BnbWise, and must not be you, someone using your account, or another account you control;
  • a reward is earned only after the referred person’s first payment goes through and is not refunded or disputed;
  • free time is applied to your subscription. It has no cash value, cannot be transferred or exchanged, and ends if your account is closed;
  • free time earned as a reward is not ended early under “Complimentary access”, unless you break these Terms or the referral rules;
  • refer only people you know. Do not use spam, ads that bid on the BnbWise name, or coupon and deal sites;
  • we may withhold or reverse a reward we reasonably believe came from fraud, a self-referral or a breach of these rules;
  • we may change or end the program at any time. Rewards already earned are kept;
  • you are responsible for any tax on a reward.

5. Your data

You own your data. “Your Data” means everything you or your connected services put into BnbWise: properties, reservations, income, expenses, bank and card transactions, mortgage details, receipts, photos, contacts, tasks, message content and rules.

What you allow us to do with it. You grant us a worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit and display Your Data only as needed to:

  • provide, secure, support and improve the Service for you;
  • comply with the law.

This includes sending it to our service providers (listed in the Privacy Policy) for those purposes. We do not sell Your Data, and we do not use it to train AI models.

You are responsible for Your Data. You are responsible for:

  • its accuracy and legality;
  • having the right to put it into BnbWise.

Other people’s information. Your Data will include information about other people, such as guests, cleaners, contractors and vendors. You are responsible for having the notices, permissions and legal basis that the law requires for collecting that information and sharing it with us. For that information we act on your behalf and on your instructions, as described in the Privacy Policy.

6. Connected services: banks and booking platforms

BnbWise can read data from services you connect or upload files from (“Connected Services”):

  • banks and card issuers, directly or through Plaid;
  • Airbnb and Vrbo reservation exports and calendar (iCal) links;
  • bank statement files.

Read-only. BnbWise only reads from Connected Services. It never moves money, pays bills, or changes anything in your bank, Airbnb or Vrbo accounts.

Plaid. Bank connections are provided by Plaid Inc. When you link a bank, you authorize Plaid to access your account and share its information with us. Your use of Plaid is governed by Plaid’s End User Privacy Policy. You can disconnect a bank at any time. Transactions already imported stay in BnbWise until you delete them.

Airbnb, Vrbo and others. BnbWise is not affiliated with, endorsed by or sponsored by Airbnb, Vrbo, Expedia Group, Plaid, or any bank or booking platform. Their names are used only to identify the services you connect. You are responsible for:

  • complying with each platform’s terms when you export or share data from it;
  • keeping your private calendar links private.

We don’t control Connected Services. A Connected Service may change its data, formats, availability or terms at any time. It may also stop working with BnbWise. This can make imports or syncs delayed, incomplete, duplicated, miscategorized or unavailable. We are not responsible for the accuracy, completeness, timeliness or availability of data provided by any Connected Service, or for any act or omission of the Connected Service itself.

The original remains the record. Your bank, Airbnb and Vrbo remain the official source of your transactions and bookings. BnbWise is a tool for organizing a copy of that information. It is not a replacement for the original records, which you are responsible for keeping as the law requires.

How syncs and imports change your data. Bank and calendar syncs and file imports run automatically or on your instruction, and they can add, change, cancel or remove records in BnbWise to match the source. For example:

  • A reservation that disappears from a calendar feed may be marked cancelled, and the tasks and messages linked to it updated.
  • Re-importing a reservations file can overwrite edits you made to the matching records.
  • A transaction your bank withdraws can be removed.

You are responsible for reviewing the results.

7. Data storage, loss and availability — our commitment and its limits

We work hard to keep Your Data safe and available. We:

  • store it with a major cloud provider;
  • encrypt it in transit and at rest;
  • keep automated backups of most of it.

However, you accept that:

  1. Best effort, no guarantee. We store and back up Your Data on a commercially reasonable, best-effort basis. We do not guarantee that Your Data, or any data received from a bank, Plaid, Airbnb, Vrbo or other Connected Service, will always be available, complete, accurate, up to date, or free from loss, corruption, duplication or unauthorized access.
  2. Keep your own records. BnbWise is not a backup or archive service. You are responsible for keeping your own copies of records that matter to you, including the original bank statements, platform reports and receipts, and the reports you download from BnbWise.
  3. Release. To the fullest extent the law allows, you release BnbWise, and we are not liable, for any loss of, damage to, corruption of, inaccuracy in, delay in, or unavailability of Your Data or data from Connected Services, however caused. This includes:
    • failures of the Service or of our service providers;
    • errors in imports, syncs, AI processing or calculations;
    • security incidents, subject only to Section 18 and the non-waivable rights the law gives you.

    Our only obligation for lost or corrupted data is to use reasonable efforts to restore it from our most recent available backup, if one exists.

  4. Decisions are yours. You are responsible for any decision you make, or any filing, payment or statement you submit, based on data in BnbWise. Always check it against your original records.
  5. No uptime guarantee. The Service may be interrupted for maintenance, updates, provider outages or reasons beyond our control. We do not promise any particular uptime.

8. Messaging (SMS and WhatsApp)

BnbWise lets you send text messages by SMS and WhatsApp to people you add as contacts. Examples include a cleaning request after a check-out, a reminder for a maintenance visit, or a follow-up if the service provider hasn’t confirmed. It can also send you reminders on your own phone. These are the “Messaging Features”.

8.1 Who you may message

You may use the Messaging Features only to message a person who:

  • works for you, or provides a service to you, for a property you manage in BnbWise, such as a cleaner, housekeeper, maintenance worker, contractor, property manager, landscaper, pool service or inspector (“Service Provider”); and
  • has an existing working relationship with you, and has agreed to receive messages from you about that work.

You may not use the Messaging Features to message guests, prospective guests, neighbours, tenants, leads, customers, or anyone else who is not your Service Provider. You may message your own phone for reminders.

8.2 What your messages may say

Every message must be for the sole purpose of arranging, scheduling, confirming, changing, cancelling or following up on a service the recipient performs for you at one of your properties. Examples include the date and time of a cleaning, the stay it relates to, access instructions for that job, and a request to confirm.

You may not use the Messaging Features to send, or to include in any message:

  • marketing, advertising, promotions, offers, surveys, referral requests, or anything that promotes a product, service or business, including your own;
  • content unrelated to the recipient’s service for you, including personal, social, political, religious or chain messages;
  • debt collection, payment demands, loan or credit offers, or anything about hiring, firing, wages or employment decisions;
  • sexual, violent, hateful, harassing, threatening, defamatory, discriminatory or obscene content;
  • content about alcohol, tobacco, cannabis, firearms or gambling;
  • anything illegal or deceptive, including phishing, impersonation or misleading links;
  • passwords, full payment card or bank account numbers, government ID numbers, health information, or other sensitive personal information about anyone. Door or lockbox codes for the job are allowed;
  • more information about a guest than the Service Provider needs to do the job;
  • links, attachments or phone numbers that are not needed for the job.

8.3 Consent

  • You must have the recipient’s permission before you add them as a contact. Before any message is sent, BnbWise also asks the recipient to confirm by replying YES. Our confirmation step does not replace your own obligation to have their permission and to follow the law.
  • Do not add a number you are not authorized to add, and do not add a number on someone’s behalf without their knowledge.
  • Opt-outs are permanent and shared. Replying STOP, or an equivalent word, opts that number out of that channel for every BnbWise user, not only you. After a recipient opts out, BnbWise will not send them further messages on that channel, and you cannot ask them to opt in again. You may not try to get around an opt-out, for example by adding the same person under another number or channel without their fresh request.
  • If a Service Provider no longer works for you or asks you to stop, delete them as a contact or turn off their messages.

8.4 You are the sender

  • You decide who receives each message, what it says and when it is sent, including messages sent automatically by rules you create. BnbWise also has default message texts, such as a cleaning request or a notice that a stay moved or was cancelled. When you let those send, you adopt them as your own messages. Messages are delivered through BnbWise’s messaging providers and phone numbers, but they are your messages.
  • You are solely responsible for your messages and for complying with every law and rule that applies to them. These include:
    • the U.S. Telephone Consumer Protection Act and state telemarketing and texting laws;
    • anti-spam laws;
    • labour and privacy laws;
    • the laws of the recipient’s country;
    • carrier and CTIA guidelines;
    • WhatsApp’s Business and Commerce policies.
  • We may add identifying text or opt-out instructions to your messages, such as your name, “via BnbWise” or “Reply STOP to opt out”, and we may use approved templates, where carriers or WhatsApp require it.

8.5 Limits, delivery and replies

  • Each phone number can receive a limited number of messages per channel per month from BnbWise (currently 100), shared across all BnbWise users. Messages beyond the limit are not sent. We may change these limits.
  • Delivery is not guaranteed. Messages can be delayed, filtered or blocked by carriers, WhatsApp, the recipient’s device or our providers, or not sent at all. Do not rely on the Messaging Features for anything urgent, safety-related or time-critical, or in an emergency. Messaging stops while your account is locked.
  • Replies to your messages are stored with the related task, where you can see them. Photos and other media in replies are not received.
  • Standard message and data rates may apply to recipients. Our SMS & Messaging Terms describe the program for recipients.

8.6 Enforcement

We may review message activity and content to enforce this section and protect the service. We may block a message, pause or disable the Messaging Features for your account, or suspend your account, with or without notice. We may do so if we reasonably believe you have broken this section, received complaints or opt-out rates that suggest unwanted messages, or put our phone numbers or provider accounts at risk.

You will cover any fine, penalty, fee or claim that we, our messaging providers or carriers incur because of your messages (see Section 19).

9. AI features

BnbWise uses artificial intelligence to:

  • read and categorize bank statements and transactions;
  • group recurring payments;
  • suggest how to treat them;
  • produce forecasts;
  • answer questions in the help assistant.
  • AI can be wrong. AI output may be incomplete, inaccurate or out of date. For example, a transaction may be put in the wrong category, a batch of rows may fail to import, or a forecast may miss. Review AI results before relying on them. The help assistant answers from our product documentation and cannot see your account.
  • How your data is used. Your Data is processed by the AI models we use only to provide these features to you. We do not use Your Data to train AI models. See the Privacy Policy for details.

10. Not financial, tax, accounting or legal advice

BnbWise is a bookkeeping and operations tool. It does not provide accounting, tax, legal, investment or financial advice, and using it does not create a professional relationship of any kind. The following are estimates for your convenience:

  • profit and loss figures;
  • mortgage interest splits;
  • spread expenses;
  • occupancy and pricing figures;
  • forecasts;
  • 1099 vendor lists;
  • any other calculation.

BnbWise does not decide how anything should be reported on a tax return.

You are solely responsible for:

  • your bookkeeping, tax filings and tax payments;
  • information returns such as Forms 1099 and W-9 collection;
  • occupancy, lodging and sales taxes;
  • permits, licences and registrations;
  • short-term-rental rules;
  • your obligations to guests, platforms, lenders and workers.

Consult a qualified professional before making financial, tax or legal decisions.

11. Acceptable use

You agree not to:

  • break any law or anyone else’s rights while using the Service;
  • use the Service for a property you have no right to manage, or for anyone else’s business without their authorization;
  • upload malware, or content you have no right to share;
  • probe, scan, overload or test the Service’s security, or bypass any limit, lock or access control;
  • access or try to access another user’s account or data;
  • copy, scrape, resell, sublicense or offer the Service to others, or use it to build a competing product;
  • reverse engineer the Service except where the law expressly allows it;
  • use automated means to access the Service other than the features we provide;
  • misuse the help assistant, for example by trying to make it produce harmful content or reveal its instructions;
  • use the Messaging Features except as allowed in Section 8.

12. Security and access by our team

  • We use reasonable technical and organizational measures to protect the Service and Your Data, described in the Privacy Policy.
  • Support access. Authorized BnbWise personnel may view your account, in a strictly read-only mode, to:
    • provide support you request;
    • investigate a problem, suspected abuse or a security issue;
    • comply with the law.

    Each such access is time-limited and recorded in an audit log. We do not ask for your permission or notify you before or after such access.

13. Our intellectual property and your feedback

  • The Service, including its software, design, text, graphics and the BnbWise name and logo, belongs to us or our licensors and is protected by law. We give you a limited, non-exclusive, non-transferable, revocable right to use the Service under these Terms during your subscription. We keep all other rights.
  • If you send us ideas, suggestions or feedback, we may use them freely without any obligation to you.

14. Third-party services

The Service relies on third-party providers, including:

  • Amazon Web Services (hosting, AI, email);
  • Stripe (payments);
  • Twilio and WhatsApp (messaging);
  • Plaid (bank connections).

Your use of some of them is also subject to their own terms. We are not responsible for third-party services, websites or content that we do not control.

15. Changes to the Service

We are constantly improving BnbWise. We may add, change or remove features, integrations, limits or supported banks and platforms at any time. If we remove a core feature you pay for, we will tell you in advance where reasonably possible.

Features we label beta, preview or experimental are provided as-is and may be changed or withdrawn.

16. Suspension, termination and closing your account

You can close your account at any time in Settings. Closing your account is immediate and permanent. Your subscription is cancelled, and we disconnect your banks and calendars. We then delete your account data as described in the Privacy Policy.

We cannot restore a closed account. Download any reports you want to keep before you close it.

We may suspend or end your access, or remove content, with or without notice, if:

  • you break these Terms;
  • you don’t pay;
  • we are required to by law or by a provider such as a carrier, Plaid or Stripe;
  • your use creates risk or harm to BnbWise, our providers, other users or anyone else.

We may also stop offering the Service. If we do, and it is not because you broke these Terms, we will give you at least 30 days’ notice to download your reports.

Some sections continue to apply after your account ends, including those that by their nature should continue: 4 (amounts owed), 5, 7, 10, 13, 17, 18, 19, 20 and 22.

17. Disclaimers

TO THE FULLEST EXTENT ALLOWED BY LAW, THE SERVICE, INCLUDING ALL DATA, CALCULATIONS, AI OUTPUT, MESSAGES AND CONNECTED SERVICES, IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY. WE DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND ACCURACY.

WE DO NOT WARRANT THAT:

  • THE SERVICE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE;
  • DATA WILL BE ACCURATE, COMPLETE OR PRESERVED;
  • MESSAGES WILL BE DELIVERED;
  • THE SERVICE WILL MEET YOUR REQUIREMENTS OR THOSE OF ANY TAX AUTHORITY.

18. Limitation of liability

TO THE FULLEST EXTENT ALLOWED BY LAW:

(a) BNBWISE AND ITS OWNERS, EMPLOYEES, CONTRACTORS AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES. THEY ARE ALSO NOT LIABLE FOR ANY OF THE FOLLOWING:

  • LOST PROFITS, REVENUE, BOOKINGS OR GOODWILL;
  • LOST, CORRUPTED OR INACCURATE DATA;
  • TAX PENALTIES, INTEREST OR ASSESSMENTS;
  • FINES OR CLAIMS ARISING FROM MESSAGES YOU SENT;
  • THE COST OF SUBSTITUTE SERVICES.

THIS APPLIES EVEN IF WE WERE TOLD THESE DAMAGES WERE POSSIBLE.

(b) OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (i) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (ii) US $100.

(c) THESE LIMITS APPLY TO EVERY TYPE OF CLAIM, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE. THEY APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THEY DO NOT LIMIT LIABILITY THAT CANNOT BE LIMITED BY LAW, SUCH AS FOR FRAUD OR, WHERE APPLICABLE, GROSS NEGLIGENCE OR WILFUL MISCONDUCT.

19. Your responsibility to us (indemnity)

You will defend, indemnify and hold harmless BnbWise and its owners, employees, contractors and suppliers from any claim, demand, loss, fine, penalty, damages, cost or expense, including reasonable legal fees, that arises from:

  • your messages or your use of the Messaging Features, including any claim under the Telephone Consumer Protection Act or similar laws;
  • Your Data, including information about guests, Service Providers or other people that you put into BnbWise;
  • your breach of these Terms or of the law;
  • your rental business, including your dealings with guests, workers, platforms and tax authorities.

20. Disputes, arbitration and governing law

Governing law. These Terms are governed by the laws of the State of Texas and applicable U.S. federal law, without regard to conflict-of-law rules. The Federal Arbitration Act governs this Section 20.

Talk to us first. Before starting a formal claim, email support@bnbwise.app with a description of the dispute. Both sides will try in good faith to resolve it within 60 days.

Binding arbitration. If the dispute is not resolved, it will be decided by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will take place in Collin County, Texas, or by video. Judgment on the award may be entered in any court with jurisdiction. Either party may instead bring an individual claim in small-claims court. Either party may also seek an injunction in court to protect its intellectual property or to stop misuse of the Service.

No class actions. Claims may be brought only on an individual basis, and not as a plaintiff or class member in any class, collective or representative proceeding. If this class waiver is found unenforceable for a claim, that claim must be decided in court and not in arbitration.

Opt-out. You may opt out of arbitration by emailing support@bnbwise.app within 30 days of first accepting these Terms. Include your name, account email and a clear statement that you opt out.

Venue for court cases. Any claim not subject to arbitration will be brought only in the state or federal courts located in Collin County, Texas, and both parties consent to their jurisdiction.

Time limit. Any claim must be brought within one year after it arises, to the extent the law allows.

21. Changes to these Terms

We may update these Terms. For material changes, we will notify you by email or in the app at least 15 days before they take effect, except where a change is required by law or addresses a new feature. In those cases it may take effect immediately. We may ask you to accept the updated Terms to continue using the Service. Continuing to use the Service after the effective date means you accept them. The effective date at the top shows the latest version.

22. General

  • Entire agreement. These Terms, the Privacy Policy and the SMS & Messaging Terms are the entire agreement between you and us about the Service.
  • Severability. If any part of these Terms is unenforceable, the rest remains in effect.
  • No waiver. Not enforcing a right is not a waiver of it.
  • Assignment. You may not transfer these Terms without our consent. We may transfer them in connection with a merger, acquisition or sale of assets, or to an affiliate.
  • Force majeure. We are not responsible for delays or failures caused by events beyond our reasonable control, including outages of cloud, carrier, bank or platform providers, natural disasters, war, labour disputes or government action.
  • Notices. We may send notices to your account email or show them in the app. We may also email you news, review requests and offers, as described in the Privacy Policy; you can unsubscribe from those at any time. You can send notices to support@bnbwise.app.
  • Independent parties. Nothing in these Terms creates a partnership, employment, agency or fiduciary relationship. BnbWise is not the employer of, or responsible for, any Service Provider you message.
  • Language. If we provide these Terms in another language, the English version controls where they conflict.

23. Contact

support@bnbwise.app

BnbWise — short-term-rental accounting and automation for hosts. Contact: support@bnbwise.app.