Legal

Payment & Autopay Terms

impacthousing.homes/payment-terms · Effective July 28, 2026 · IH-S04

The portal is operated by Impact Housing LLC ("Impact," "we," "us") as managing agent for the property-holding company named as Owner in your Occupancy License Agreement. By using the portal you agree to these Payment Terms.

Your Occupancy License Agreement controls. These Payment Terms explain how payment processing works. They do not change your Occupancy License Agreement, and if anything here conflicts with it, your Agreement governs.

1. How you can pay

You may pay your monthly license fee and any other amount owed through the resident portal by:

• Bank transfer (ACH) from a bank account you link securely through our banking partner
• Any other method we make available and identify in the portal

You may also pay by money order, cashier's check, or another method we accept outside the portal. Contact us and we will confirm what is available for your home.

Debit and credit cards are not accepted yet. Card payments are not available in the portal at this time. If we begin accepting cards we will say so in the portal, and the same no-fee rule below will apply — we would absorb the processing cost ourselves rather than pass it on.

No payment method carries any added fee. We charge no surcharge, convenience fee, processing fee, or enrollment fee of any kind, on any method. The amount shown in the portal before you confirm is the exact amount debited or charged.

A late or partial payment never costs you extra. If a payment is late, short, or does not go through, we charge no fee, penalty, or interest of any kind. Nothing is added to what you owe. We will contact you about the balance and work out how to bring it current — that is the whole of our response to a missed payment.

2. When a payment counts as made

This matters, so we want to be plain about it.

• A bank transfer usually takes one to three business days to settle. Your payment is received when the funds settle in the Owner's account.
• A payment that settles normally is credited as of the day you submitted it. If you submit on or before your due date and it settles two days later, your payment is still on time.
• Until a payment settles, the portal shows it as pending. Pending is not the same as paid, and we will not describe it as paid until it settles.
• If a payment is returned, reversed, or charged back, it is treated as never made, and the amount owed is restored as of its original due date.

3. Automatic payments (Autopay)

3.1 Autopay is completely optional. It is never a condition of your Occupancy License Agreement, of your housing, or of anything else. You may pay manually every month if you prefer, and choosing not to enroll has no effect on your housing in any way.

3.2 How you authorize it. You authorize automatic payments in the resident portal at the time you enroll. Before you confirm, the portal shows you — and you agree to — the account being debited, the amount, the maximum authorized amount, how often debits occur, the date they start, and how to cancel. That on-screen authorization is the agreement that permits us to debit your account. We send you a copy by email and keep one available for download in your portal.

3.3 Your authorization applies to one account. If you switch to a different bank account, you will be asked to authorize again for the new account. This protects you: we never move a standing authorization onto an account you did not specifically approve.

3.4 When debits happen. Debits occur monthly on the 1st of each month. If that date falls on a weekend or bank holiday, the debit processes on the next business day.

3.5 Amounts can vary — and here is the limit. Your balance can change from month to month (for example, a prorated first month, an agreed fee change, or an agreed utility charge for use beyond ordinary residential use). So your authorization covers a range rather than a single fixed number:

• Your authorized maximum — your monthly license fee plus $50. We may debit any amount up to this figure without giving you advance notice.
• Above that maximum — we will not debit it automatically. We will send you written notice — by email and in the portal — at least 10 calendar days before the debit date, stating the exact amount and the reason for it. You can cancel or contact us during that window.
• Well above that maximum — some amounts are held for staff review and are never processed automatically at all, regardless of notice.

3.6 What Autopay never collects. Some charges are always invoiced separately and paid deliberately, never taken automatically:

• The one-time community fee, which is collected as its own single payment at move-in
• Damage charges, which are invoiced with photographs and a comparison to your move-in condition record, and are due within 15 days
• Any amount above your authorized maximum that has not gone through the 10-day notice above

3.7 If someone else pays part of your fee. If an organization or another person sponsors part of your monthly license fee, your Autopay authorization covers only your own share. If your sponsor does not pay their portion, we will not automatically debit you for it — we will contact you and your sponsor first, and we would ask you to authorize a new amount before anything larger is debited.

3.8 The account must be yours. Autopay in the portal is available only for a bank account you own. If your fee is paid from a representative payee's account or another third party's account, that person or organization arranges payment with us separately — they cannot be enrolled through your portal, and you cannot authorize debits from an account that is not yours.

4. Canceling Autopay or stopping a payment

4.1 You can cancel at any time, without penalty and without giving a reason.

4.2 How to cancel. Do either of the following at least three (3) business days before a scheduled debit date:

• Turn Autopay off in the resident portal under Payment Settings, or
• Email us at support@impacthousing.homes, or submit a request in the portal

A debit already submitted to the bank cannot be recalled, but every future recurring debit stops.

4.3 You can also stop payment through your own bank. Separately from anything we do, you have the right to tell your bank to stop a preauthorized payment. Contact your bank at least three business days before the scheduled date. Your bank may ask you to confirm an oral request in writing within 14 days, and may charge its own fee for this service. Your rights here come from federal law (Regulation E, 12 C.F.R. § 1005.10(c)).

4.4 Canceling Autopay does not cancel what you owe. Your monthly license fee remains due under your Occupancy License Agreement — you would simply pay it another way.

5. If a payment is returned

5.1 No fee. Ever. If a payment is returned, reversed, or charged back for any reason, we charge you no returned-payment fee, no late fee, no penalty, and no interest. This is true across our documents: your Occupancy License Agreement and House Rules say the same thing.

5.2 What actually happens. The amount is restored to your balance, and we contact you — by email, and by text if you have agreed to texts — to let you know and to ask how we can help.

5.3 We do not automatically try again. We will not re-submit a returned payment on our own. Repeatedly presenting a payment against an account that may be closed or short can cause your bank to charge you overdraft or returned-item fees, and we are not willing to do that to you. If you want to try again, you can pay in the portal at any time, or ask us to help arrange it.

5.4 Autopay pauses. After a returned payment, Autopay is paused until we have spoken with you. You can re-enroll once things are sorted out.

5.5 After repeated returns. If payments are returned repeatedly, or if a debit is reported as unauthorized, we may ask that future payments be made by certified funds or another method, and electronic payment through the portal may be limited. We will tell you in writing if that happens.

5.6 Talk to us early. If you know a payment is going to be short, tell us before the due date. There are no late fees, and we would much rather have a conversation than a returned payment.

6. Errors, questions, and unauthorized debits

Tell us right away if you think a debit was wrong, taken in the wrong amount, or taken without your authorization.

• How to reach us: through the resident portal, by email at support@impacthousing.homes, or by phone at (478) 900-6202.
• When: please contact us no later than 60 days after we sent or made available the first statement or portal record showing the problem.
• Tell us: your name and the home you live in, a description of the payment you are unsure about, and the dollar amount and date.
• What we do: we will investigate and tell you the result. We aim to complete our investigation within ten (10) business days. If we need longer, we may take up to 45 days — but in that case, if the payment was an electronic transfer from your bank account, we will apply a provisional credit for the disputed amount to your balance while we finish investigating, so you are not carrying a disputed charge in the meantime. If we find there was no error, we will explain why in writing, you may ask for copies of what we relied on, and we may reverse any provisional credit we applied.

Raising a payment dispute never affects your housing. It is a billing question, and we treat it as one.

7. Your statements and records

• Every payment, credit, and charge appears in your resident portal, and you can download your history at any time.
• Bank debits appear on your statement as IMPACT HOUSING.
• A copy of any Autopay authorization you have given is available in your portal and by request at any time, free of charge.
• We keep payment records and authorizations for at least 2 years after they end, as our Privacy Policy describes.

8. Your information

When you link a bank account, you do so directly with your bank through our secure banking partner. We never receive, see, or store your full account number, routing number, or bank login. What we keep is your bank's name, the last four digits, and a secure token that lets us request the payments you have authorized. Our Privacy Policy explains this in full.

9. Changes to these Payment Terms

We may update these Payment Terms — for example to reflect a change in law, in payment network rules, or in how the portal works. When we do, we will post the updated version at this page with a new effective date, and we will notify residents of significant changes by email or through the portal.

Changes do not silently change your Autopay authorization. If we ever need to change something material about your automatic payments — the amount, the maximum, or how often debits occur — we will ask you to review and approve a new authorization. Continuing to use the portal is not treated as agreement to a change in what you have authorized us to debit.

And to be explicit: if we ever introduced a fee of any kind on a payment method, it would apply only after clear advance notice, and never to anyone enrolled in Autopay without a new authorization from them first.

10. Contact

Impact Housing LLC — Billing. Email support@impacthousing.homes · Phone (478) 900-6202 · Resident portal: impacthousing.homes

Mailing address: 8735 Dunwoody Place, Ste R, Atlanta, GA 30350

These Payment Terms are governed by Georgia law. Electronic records and signatures used in the portal have the same effect as paper and ink under Georgia's Uniform Electronic Transactions Act and the federal E-SIGN Act.