Terms of Service and End User License Agreement
Nextgen Enterprises, LLC, DBA NuBNB
Last Updated: 11/20/2025
This Terms of Service and End User License Agreement (“Agreement”) is a binding legal contract between you (“End User,” “User,” “you,” or “your”) and Nextgen Enterprises, LLC, doing business as NuBNB (“NuBNB,” “Company,” “we,” “us,” or “our”). This Agreement governs your access to and use of the NuBNB mobile application, including any content, functionality, features, and services provided through the application (collectively, the “Application”). The Application is licensed, not sold, to you.
By downloading, installing, creating an account on, accessing, or using the Application, you acknowledge and agree that you have read and understand this Agreement, that you are at least eighteen (18) years of age and legally competent to enter into a binding contract, and that you accept and agree to be bound by the terms of this Agreement. If you do not agree to the terms of this Agreement, you must not download, install, access, or use the Application, and you must immediately delete it from your device.
1. The Nature of the NuBNB Platform
NuBNB operates a technology platform designed to facilitate communication, connection, and transactions between property owners, displaced families, tenants, restoration contractors, insurance carriers, insurance adjusters, coordinators, and similar parties. NuBNB is not a property manager, broker, real estate agent, insurer, inspector, or legal representative. The Company does not own, operate, manage, inspect, endorse, control, or certify any property listed on the Application, nor does it guarantee the condition, legality, safety, habitability, availability, accuracy, or suitability of any third-party property.
NuBNB does not provide insurance advice, does not determine coverage eligibility, and does not guarantee or influence insurance-related approvals or claim outcomes. All property-related information, lease documentation, prices, conditions, and representations are provided solely by third parties. NuBNB shall not be held responsible for any errors, omissions, misrepresentations, hazards, violations, disputes, or failures relating to property conditions, insurance determinations, legal compliance, personal injury, habitability issues, or any other matter arising from or relating to a listed property.
Users acknowledge that NuBNB functions exclusively as a platform facilitating communication, coordination, and billing, and nothing in this Agreement shall be construed as creating any landlord-tenant relationship, property management relationship, brokerage relationship, agency relationship, fiduciary duty, property warranty, or guarantee between NuBNB and any User. NuBNB’s role in receiving or transmitting payments is solely that of a billing intermediary on behalf of Users and shall not be interpreted as rent collection, escrow handling, property management, or any form of financial fiduciary service.
2. License Grant
Subject to your strict compliance with the terms of this Agreement, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Application on a single mobile device owned or controlled by you solely for your personal or internal business use related to property listing, booking, communication, or insurance housing coordination through the NuBNB platform.
This license grants you only the right to use the Application as expressly permitted herein. It does not grant you any rights in or to the Application, its underlying technology, or any related intellectual property. All rights not expressly granted are reserved by the Company.
You may not copy, modify, translate, adapt, improve, create derivative works of, reverse engineer, disassemble, decompile, decode, attempt to derive the source code of, or otherwise manipulate the internal mechanics of the Application. You may not rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer, or otherwise make the Application available to any third party. You may not remove, obscure, or alter any trademarks, copyright notices, proprietary legends, or other ownership information contained within the Application. You may not use the Application in any manner that interferes with, disrupts, or harms the operation or security of the Application or any related systems.
For clarity, this license grants access solely to the NuBNB technology platform and does not grant any rights to occupy, lease, rent, manage, or otherwise obtain an interest in any property, nor any rights to housing services or financial entitlements. The Application is a software platform only and does not itself convey any occupancy rights or create any landlord-tenant, agency, brokerage, or property management relationship between the Company and any User.
3. License Restrictions
You shall not copy the Application except where expressly permitted by applicable law. You shall not modify, translate, adapt, improve, or create derivative works of the Application or any portion thereof. You shall not reverse engineer, disassemble, decompile, decode, attempt to derive the source code of, or otherwise attempt to access or manipulate the internal mechanics of the Application.
You shall not distribute, rent, lease, lend, sell, sublicense, assign, publish, transfer, or otherwise make the Application or any access credentials available to any third party. You shall not use the Application in any manner that could damage, disable, overburden, impair, disrupt, or interfere with the functioning, security, integrity, or availability of the Application or any related systems, networks, or services.
You shall not use automated tools, robots, spiders, scrapers, crawlers, data mining tools, or similar mechanisms—manual or automated—to access, copy, collect, harvest, index, extract, or monitor any portion of the Application or its data without the Company’s prior written consent. You shall not use the Application for any unauthorized or unlawful purpose, including but not limited to fraud, harassment, abuse, misrepresentation, or interference with property owners, tenants, insurance representatives, or other Users.
You shall not remove, delete, obscure, alter, or interfere with any trademarks, copyright notices, proprietary legends, branding elements, attribution requirements, or other intellectual property rights contained within or displayed by the Application.
You shall not attempt to bypass, circumvent, defeat, or modify any security features, privacy controls, access limitations, or usage restrictions built into the Application. You shall not upload viruses, malware, scripts, bots, exploits, harmful code, or any other content designed to compromise, test, or manipulate the Application or its Users.
Use of the Application is strictly limited to lawful purposes related to accessing the NuBNB platform. Any attempt to misuse the Application, access it in unauthorized ways, or repurpose it for non-platform activities is strictly prohibited and constitutes grounds for immediate account termination.
4. User Accounts
To access certain features of the Application, you may be required to create a User account and provide accurate, current, and complete information. You agree to update your information as necessary to ensure its continued accuracy. You are solely responsible for maintaining the confidentiality and security of your login credentials and for all actions taken through your account, whether authorized by you or not.
You shall not share your account or login credentials with any third party, and you shall not impersonate any person or entity, misrepresent your identity or affiliation, or create an account using false, misleading, or incomplete information. You agree not to create or use an account for anyone other than yourself without appropriate authorization.
You agree that all documents, communications, or property information uploaded or submitted through the Application must be truthful, lawful, and accurate to the best of your knowledge. Submission of fraudulent, misleading, altered, or unauthorized documents is strictly prohibited.
NuBNB reserves the right, in its sole discretion, to suspend, restrict, or terminate any account at any time, with or without notice, for any reason, including but not limited to: suspected fraud; identity misrepresentation; unauthorized account use; illegal activity; platform misuse; interference with other Users; violations of this Agreement; violations of applicable law; or conduct deemed harmful to the integrity, security, or functioning of the NuBNB platform.
You acknowledge and agree that NuBNB shall not be liable for any loss or damage arising from your failure to secure your account or comply with these requirements.
5. Payments and Financial Transactions
All payment processing and financial transactions conducted through the Application, including but not limited to User payments, insurance-related payouts, and disbursements to property owners, are facilitated through Stripe, Inc., a third-party payment processor. By initiating or receiving any payment through the Application, you agree to comply with all applicable Stripe terms, conditions, and policies, which govern the processing of such transactions.
NuBNB does not store full credit card numbers, full banking details, or other highly sensitive payment information. All sensitive payment data is transmitted directly to and processed by Stripe or other authorized third-party processors. NuBNB shall not be liable for any payment errors, delays, chargebacks, reversals, processing failures, misapplied funds, or system interruptions attributable to Stripe, financial institutions, insurance carriers, housing administrators, or third-party payment platforms.
NuBNB will only disburse funds to a property owner after confirming that the owner has expressly agreed to NuBNB’s role as a billing intermediary and has executed all required Owner Payment Agreements or related documentation. If an owner does not provide such consent, NuBNB is under no obligation to process or release any payments to that owner, even if funds have been received from an insurance carrier or third-party payor.
You acknowledge and agree that NuBNB acts solely as a billing intermediary for certain transactions, including but not limited to receiving insurance-related housing funds on behalf of a displaced policyholder and disbursing the owner’s contracted amount pursuant to a separate written agreement. Such activity does not constitute rent collection, escrow services, fiduciary duties, property management, brokerage activity, or any form of landlord-tenant relationship.
NuBNB does not guarantee approval, eligibility, coverage, reimbursement, or payment of any insurance-related housing benefits. All approvals and determinations are made exclusively by insurance carriers, adjusters, or third-party housing administrators. NuBNB shall not be responsible for decisions made by these entities or for any delays, denials, or modifications in payment or coverage.
Users remain solely responsible for providing accurate payment information, ensuring account eligibility, and complying with all obligations required by their insurance provider, financial institution, or applicable agreements.
6. In-App Communications
The Application enables direct communication between Users, including property owners, tenants, displaced policyholders, restoration contractors, insurance representatives, adjusters, and coordinators. Communications may include in-app messages, uploaded documents, images, emails, and notifications.
Communications transmitted through the Application may be stored on secure servers and may be accessed, reviewed, or retained by the Company for legitimate operational purposes, including but not limited to customer support, compliance, dispute resolution, fraud prevention, moderation, training, quality assurance, and platform security. Communications are not end-to-end encrypted, and Users should not transmit sensitive personal, financial, or confidential information except where explicitly required.
Users are solely responsible for the accuracy, legality, and content of any communications or materials they transmit through the Application. Users agree not to upload false, misleading, fraudulent, defamatory, unlawful, or unauthorized content, including but not limited to falsified leases, insurance documents, payment information, or property details.
NuBNB does not guarantee the accuracy or reliability of communications between Users and shall not be responsible for any representations, agreements, or promises made directly between Users outside of the platform’s documented processes.
7. AI Chatbot Disclosure
The Application includes an artificial intelligence–powered chatbot that may assist Users with navigation, general support inquiries, platform usage questions, and automated guidance. The chatbot may process User messages for the purpose of generating responses, suggesting resources, or directing Users to relevant features within the Application.
The AI chatbot is provided solely for convenience and informational purposes. The chatbot does not provide legal advice, interpret lease terms, negotiate agreements, approve bookings, determine eligibility for insurance benefits, process housing decisions, or make any binding commitments on behalf of NuBNB or any User. All decisions relating to property conditions, insurance claims, lease agreements, occupancy, or financial obligations must be made by the appropriate parties and are not determined by the AI system.
Users acknowledge that AI-generated responses may be inaccurate, incomplete, or outdated, and are not a substitute for professional judgment, legal review, or direct communication with NuBNB staff, property owners, tenants, or insurance representatives.
NuBNB does not train proprietary AI models using User personal data. However, certain interactions may be processed by third-party AI infrastructure providers solely for the purpose of delivering chatbot functionality, subject to applicable privacy and data-processing agreements.
Users remain fully responsible for the content of any messages submitted to the chatbot and for all decisions made based on AI-generated output.
8. User-Generated Content
Users may upload or submit property listings, images, videos, documents, notes, descriptions, pricing, lease terms, communications, and other content (“User Content”). By submitting User Content, you represent and warrant that: (i) you own or have the lawful rights, permissions, and authority to submit such material; (ii) the material is accurate and truthful to the best of your knowledge; (iii) the material does not violate any law, regulation, or third-party rights, including privacy, copyright, trademark, contract, or confidentiality obligations; and (iv) the material is not fraudulent, misleading, defamatory, harmful, or otherwise unlawful.
You agree that you are solely responsible for any User Content you submit and for any consequences arising from such submissions. NuBNB does not endorse, verify, or guarantee the accuracy, legitimacy, or completeness of any User Content submitted through the Application.
NuBNB reserves the right, but does not have the obligation, to review, remove, restrict, block, or disable access to any User Content at any time and for any reason, including but not limited to violations of this Agreement, suspected fraud, security concerns, privacy risks, legal obligations, or complaints from other Users.
9. Prohibited Conduct
You shall not use the Application or any related services for any unlawful, fraudulent, harmful, deceptive, disruptive, or unauthorized purpose. Prohibited conduct includes, without limitation:
- Unlawful or Fraudulent Activity
Submitting false information; falsifying documents; impersonating any person or entity; fabricating insurance forms, leases, payment documentation, or property details; or engaging in conduct that constitutes fraud, misrepresentation, or insurance manipulation. - Housing-Related Misconduct
Misrepresenting property conditions, safety issues, occupancy rights, availability, pricing, or compliance; submitting inaccurate or deceptive property listings; or using the Application to violate housing laws or the rights of tenants, owners, or displaced policyholders. - Interference With Payments
Attempting to circumvent, alter, manipulate, divert, or interfere with NuBNB’s payment processes, billing intermediary functions, disbursement procedures, or Stripe-based mechanisms; or attempting to route payments outside of approved processes. - Unauthorized Access or System Abuse
Gaining or attempting to gain unauthorized access to the Application, accounts, systems, data, or networks; bypassing security features; testing vulnerabilities; using automated scripts, bots, crawlers, or scrapers without written consent; or engaging in conduct that disrupts the integrity, functionality, or security of the Application. - Transmission of Harmful Content
Uploading or transmitting viruses, malware, harmful code, exploits, phishing attempts, or any content that is unlawful, defamatory, threatening, harassing, obscene, misleading, abusive, or otherwise inappropriate. - Interference With Other Users
Harassing, abusing, threatening, or interfering with any User, including property owners, tenants, contractors, adjusters, or company representatives; or misusing the platform in a manner that disrupts the experience or rights of others. - Unauthorized Commercial Activity
Using the Application to advertise competing services; solicit business unrelated to NuBNB’s platform; or engage in unauthorized commercial, promotional, or solicitation activities.
Any violation of this Section may result in immediate suspension or termination of your account, removal of submitted content, reporting to law enforcement or insurance entities, and other actions deemed necessary by the Company.
10. Location Data
The Application may collect or access real-time or approximate geographic location information from your device when you enable location services. Location data may be used for operational purposes such as property search functionality, mapping features, distance calculations, check-in logistics, and general platform optimization.
Location access is optional. You may disable location services at any time through your device settings; however, certain Application features may be limited or unavailable without location access.
NuBNB does not use location data for targeted advertising or share precise location information with unrelated third parties. Any location data processed by the Application is handled in accordance with NuBNB’s Privacy Policy and is used solely for platform-related functionality and safety measures. Users remain responsible for ensuring that any location data they provide manually (such as property addresses or meeting locations) is accurate.
11. Third-Party Services and Integrations
The Application relies on, integrates with, and transmits data through various third-party services, including but not limited to Google Maps API, Stripe, Firebase, Pinecone, Amazon Web Services (AWS), Vercel, and any other service providers necessary for hosting, data storage, payment processing, mapping, analytics, authentication, or functionality of the NuBNB platform. Use of the Application constitutes your acceptance of all applicable third-party terms, conditions, and privacy policies governing such services.
NuBNB does not control and is not responsible for the availability, accuracy, legality, performance, security, data handling, pricing, or privacy practices of these third-party providers. Information displayed through third-party integrations—such as map data, geolocation, property coordinates, insurance-related information, payment statuses, or platform analytics—may be incomplete, inaccurate, or delayed.
NuBNB shall not be liable for any outages, errors, data loss, service interruptions, misrepresentations, failures, breaches, delays, or damages arising from or attributable to third-party service providers, their systems, or their terms of service. Any reliance on third-party features is at your own risk.
Users acknowledge that removal, modification, or disruption of third-party services may impact certain functionality of the Application and that NuBNB shall have no obligation to maintain or replace specific third-party integrations.
12. Marketing Communications
By creating an account or using the Application, you consent to receive marketing communications, promotional messages, product updates, educational materials, and service-related notifications from NuBNB via email, SMS text message, phone call, or in-app notification. Marketing communications may include information about new features, educational guides, platform improvements, or promotional opportunities.
You may opt out of marketing or promotional communications at any time by using the unsubscribe link provided in emails, replying “STOP” to SMS messages or contacting NuBNB support. Opting out of marketing communications will not affect your ability to use the Application.
Certain communications are transactional or service-related and cannot be disabled, including messages regarding account security, booking activity, payment notices, owner or tenant verification, legal updates, or operational alerts necessary for platform functionality.
Users are responsible for ensuring that their contact information remains accurate and up to date. Message and data rates may apply depending on your mobile carrier.
13. Disclaimer of Warranties
The Application and all services, content, features, and materials made available through the Application are provided on an “AS IS,” “AS AVAILABLE,” and “WITH ALL FAULTS” basis, without any warranties of any kind. To the fullest extent permitted by applicable law, NuBNB expressly disclaims all warranties—whether express, implied, statutory, or otherwise—including, without limitation, any warranties of merchantability, fitness for a particular purpose, quiet enjoyment, accuracy, reliability, title, non-infringement, system integration, or data security beyond that required by law.
NuBNB does not warrant that the Application will be uninterrupted, timely, secure, error-free, free of malware or harmful components, or that defects will be identified or corrected. NuBNB makes no warranty regarding the accuracy, quality, legality, safety, condition, habitability, compliance, availability, or suitability of any property, listing, communication, document, lease, occupancy agreement, user submission, insurance information, payment arrangement, or representation provided or made by any User or third party.
All property-related information, pricing, descriptions, agreements, availability, and communications are supplied by Users or third parties and are not verified, endorsed, or guaranteed by NuBNB. NuBNB does not control and is not responsible for the conduct of property owners, tenants, displaced policyholders, adjusters, restoration contractors, insurance representatives, or any other Users.
Your use of the Application is solely at your own risk, and NuBNB assumes no responsibility for damages arising from reliance on platform content, user communications, uploaded documents, AI-generated responses, or third-party integrations.
14. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall NuBNB, its affiliates, officers, directors, employees, contractors, service providers, or licensors be liable for any indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages of any kind, including but not limited to lost profits, lost revenue, lost data, loss of goodwill, personal injury, property damage, diminished rental value, missed payments, booking errors, insurance disputes, claim denials, housing displacement, communication failures, misrepresentations by Users, or conflicts between property owners, tenants, or third parties—even if the Company has been advised of the possibility of such damages.
NuBNB shall not be liable for any damages arising out of or related to property conditions, safety issues, habitability concerns, maintenance failures, inaccurate listings, fraudulent documents, incorrect pricing, miscommunications, or any actions or omissions of Users, insurance carriers, adjusters, restoration contractors, or third-party service providers. Your use of the Application and reliance on any platform content or communications is at your sole risk.
To the fullest extent permitted by law, NuBNB’s total cumulative liability to any User for any claim arising out of or relating to the Application or this Agreement shall not exceed the total amount paid by the User directly to NuBNB during the twelve (12) months preceding the event giving rise to the claim. If no such payments have been made, NuBNB’s total liability shall be limited to one hundred dollars ($100) in the aggregate.
Some jurisdictions do not allow limitations on certain types of damages; in such cases, the above limitations shall apply to the fullest extent permitted by law.
15. Mandatory Binding Arbitration and Class Action Waiver
All disputes, claims, or controversies arising out of or relating to this Agreement, the Application, any User interaction, transaction, communication, listing, occupancy, property interaction, payment arrangement, insurance-related matter, or any alleged breach thereof, whether arising before or after termination of this Agreement, shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as modified herein.
The Federal Arbitration Act (“FAA”) governs the interpretation, enforcement, and scope of this arbitration provision. The arbitrator shall have exclusive authority to resolve any disputes related to the interpretation, applicability, or enforceability of this arbitration provision, except that the enforceability of the class action waiver shall be determined solely by a court of competent jurisdiction.
All arbitration proceedings shall take place exclusively in Tulsa, Oklahoma, unless both parties agree in writing to an alternate location. The arbitration shall be conducted on an individual basis. You and NuBNB expressly waive any right to a jury trial.
Class, collective, representative, coordinated, or mass actions are strictly prohibited. You and NuBNB agree that any claims must be brought solely in an individual capacity and not as a plaintiff, class member, or representative of any putative class or group. The arbitrator shall have no authority to hear or preside over any class, representative, collective, consolidated, or multi-plaintiff arbitration.
If any portion of the class action waiver is found unenforceable, the entire arbitration provision shall be null and void, and any such claims must be brought exclusively in the state or federal courts located in Tulsa County, Oklahoma. In all other cases, if any provision of this arbitration section is found unenforceable, the remainder shall be enforced to the fullest extent permitted by law.
Either party may elect to bring an eligible claim in small claims court in Tulsa County, Oklahoma, provided the claim falls within that court’s jurisdiction. Filing in small claims court shall not be deemed a waiver of the right to compel arbitration for any other claims.
This arbitration provision shall survive the termination of your account, the cessation of Application use, or the deletion of the Application from your device.
16. Governing Law and Venue
This Agreement, its interpretation, and any dispute or claim arising out of or relating to this Agreement or your use of the Application that is not subject to arbitration shall be governed exclusively by the laws of the State of Oklahoma, without regard to its conflict-of-law principles or the laws of any other jurisdiction.
Any permitted legal action or proceeding arising out of or relating to this Agreement, including any action to compel arbitration or to enforce an arbitration award, shall be brought solely and exclusively in the state courts of Tulsa County, Oklahoma, or in the federal courts located within the Northern District of Oklahoma. You hereby irrevocably consent to the exclusive personal jurisdiction and venue of such courts for all such matters and waive any objection based on inconvenient forum or lack of jurisdiction.
To the extent the Federal Arbitration Act (“FAA”) applies, it shall govern the interpretation and enforcement of the arbitration provision above, and in the event of any conflict between Oklahoma law and the FAA, the FAA shall control.
Nothing in this section shall permit a User to bypass the mandatory arbitration requirement set forth in Section 15 of this Agreement.
17. Termination
The Company may, in its sole discretion, suspend, restrict, or terminate your access to the Application or this Agreement at any time, with or without notice, for any reason or no reason, including but not limited to conduct that NuBNB deems harmful, fraudulent, abusive, unlawful, unsafe, disruptive, or otherwise violative of this Agreement or detrimental to the integrity, security, or operation of the platform.
Upon termination or voluntary account deletion, you must immediately cease all use of the Application and delete it from your device. Subject to applicable law and the Company’s data retention obligations, termination may include the removal or disabling of access to User Content, communications, listings, uploaded documents, and other materials associated with your account.
Automated Data Deletion.
If a User deletes their account or if an account remains inactive and inaccessible for a continuous period of sixty (60) days following termination or account removal, NuBNB’s systems automatically and permanently delete associated account data from active systems, except to the extent retention is required for legal, regulatory, tax, insurance, dispute resolution, fraud prevention, or compliance purposes.
NuBNB shall have no liability to you for any suspension, restriction, or termination of access, including for the loss of data, listings, documents, messages, or other information resulting from such actions or from automated deletion processes.
Termination of this Agreement shall not limit NuBNB’s rights or remedies under applicable law, including the right to enforce outstanding obligations, recover damages, or pursue claims arising prior to termination. Sections of this Agreement that by their nature should survive termination—including, without limitation, arbitration, class action waiver, indemnification, limitation of liability, payment obligations, governing law, and dispute resolution—shall survive and remain in full force and effect.
18. Changes to This Agreement
NuBNB may modify, amend, or update this Agreement at any time in its sole discretion. Any revised terms will be posted within the Application or made available through a link provided in the Application. Changes become effective immediately upon posting unless a later effective date is stated.
Your continued access to or use of the Application after any modifications are posted constitutes your binding acceptance of the updated Agreement. If you do not agree to the revised terms, you must discontinue use of the Application and delete it from your device. NuBNB is not required to provide individualized notice of updates beyond posting the revised Agreement within the Application.
19. Contact Information
If you have questions, concerns, or inquiries regarding this Agreement, the Application, or your use of the NuBNB platform, you may contact the Company at:
This email address serves as the primary point of contact for all User support, inquiries, and notices required under this Agreement unless otherwise specified.
System-generated notifications, automated communications, and informational messages may originate from:
Messages sent to the no-reply address will not be received or responded to. Users are responsible for directing all questions, legal notices, and support-related communications to support@nubnb.com.