OnFire Host Terms

1. About These Terms

These OnFire Host Terms (the "Host Terms") apply when you list a place to stay for short-term rental on OnFire, through the app's "Become a host" flow or anywhere else you publish accommodation on OnFire. In them, "you" means the host, "guest" means the person who books your place, and "we", "us" and "OnFire" mean the OnFire company you contract with (see below).

OnFire provides the marketplace, messaging, booking, payment and hosting tools that connect you with guests. OnFire does not own, manage, operate or inspect your property, and is not a party to the rental between you and your guest. The stay is provided by you, as an independent host, on the terms of your listing.

Which company you contract with. If you are in the European Economic Area, your counterparty is OnFire Messenger Ltd., registered in Ireland under company number 796932. If you are in the United States, your counterparty is OnFire Messenger Inc., a Delaware company. The same applies to the Terms of Service edition that governs your account.

How these terms fit with our other documents. These Host Terms add to, and do not replace:

• • the OnFire Terms of Service — the United States edition or the European edition, whichever applies to you;
• • the Business User Terms, because a host is a business user of OnFire. They set out the notice you get before we change terms, the reasons we give when we restrict a listing or account, how ranking works (see also Ranking Parameters), what data you can access, and how to complain. Where these Host Terms and the Business User Terms conflict on a matter governed by Regulation (EU) 2019/1150, the Business User Terms prevail (see also section 18 of the European Terms of Service);
• • the Acceptable Use Policy and the Community Guidelines; and
• • the Privacy Policy — United States or Europe — which explains how we handle your personal data and your guests'.

Acceptance. You accept these Host Terms by ticking "I agree to the OnFire Host Terms" in the app, and by publishing a listing or accepting a booking. If we materially change them, we will ask you to accept the new version before you publish your next listing.

2. Eligibility and Your Host Account

To host on OnFire you must:

• • Be at least 18 years old, or the age of majority where you live if that is higher, and able to enter into a binding contract.
• • Have the legal right to offer the property for short-term rental — as its owner, or with the documented permission of the owner, landlord, building or homeowners' association where that permission is required.
• • Not have been banned from OnFire, and not be subject to sanctions that prevent us or our payment provider from working with you.
• • Give us and Stripe accurate, current and complete information, and keep it up to date.

Before your first listing goes live you must complete three steps in the app: (1) set up payouts by opening a Stripe Connect account and completing Stripe's verification (section 6); (2) submit a tax form (section 7); and (3) accept these Host Terms. A listing cannot be published until all three are done, and we may pause publishing if any of them later stops being satisfied — for example if Stripe restricts your account.

If you host as a business, the person accepting these terms confirms they have authority to bind that business, and the business is the host.

Co-hosts and team members. You can invite co-hosts, managers and cleaners to help run a listing. You are responsible for what they do on your listings as if you had done it yourself, and for making sure they follow these Host Terms. Keep your account credentials secure; you are responsible for activity on your account.

3. Listings and Legal Compliance

3.1 Accuracy

Your listing must be accurate, complete and kept current. That includes the location, the type of place and how much of it the guest gets, capacity, bedrooms, beds and bathrooms, amenities, accessibility features, house rules, check-in and check-out times, availability, prices and every fee, the security deposit, and the cancellation policy. Photographs must show the actual property as it is now. If something changes — an amenity breaks, work starts next door, the place is no longer available — update the listing and tell any affected guests promptly. A material inaccuracy can entitle a guest to a refund and can lead to the listing being suspended.

3.2 Local laws, permits and registration

You are responsible for complying with every law that applies to your listing and your stays, including:

• • short-term rental rules, zoning, planning and licensing requirements, and caps on the number of nights you may let;
• • registration or permit numbers. Where the law requires a number to be displayed, you must enter it on the listing, and it is shown publicly. If you claim an exemption instead, you must give the true reason, and we keep a record of that claim;
• • lease, mortgage, condominium, co-operative and homeowners' association rules;
• • guest registration and data-protection duties that fall on you as the accommodation provider; and
• • anti-discrimination law.

Some places prohibit or restrict short-term rentals. OnFire blocks listings from being published in locations we know to be prohibited, and may require a registration number before a listing can go live in others. Our blocking is a safeguard, not legal advice: a listing that we allow to be published is not a statement that it is lawful, and it remains your responsibility to check.

3.3 Safety

Your property must be safe and fit to stay in. You must install and maintain the safety equipment the law requires where the property is located (such as smoke and carbon-monoxide alarms, fire extinguishers and fire exits), keep gas, electrical, water and heating systems in safe working order, and disclose on the listing any hazard a guest could not reasonably be expected to notice — pools without barriers, weapons on the premises, animals, steep drops, or construction. Any security camera or recording device must be disclosed on the listing, must comply with the law, and must never be in or view a bedroom, bathroom or sleeping area.

3.4 Insurance

4. Bookings

• • Instant book or request to book. You choose per listing. With instant book, a guest who meets your screening settings is booked without your approval. With request to book, you confirm or decline each request. Guest screening settings (such as requiring verified ID, a minimum guest rating or a minimum lead time) can turn an instant booking into a request that you approve.
• • A booking is a contract between you and the guest. Once a booking is confirmed, you must honour it at the price, on the dates and on the terms shown in the listing when it was booked, including your cancellation policy and house rules.
• • Enquiries and changes. Guests can message you before booking. After booking, a guest may propose different dates or a different number of guests; a change takes effect only if you accept it, and any price difference is settled through OnFire.
• • During the stay. Be reachable. If a guest reports a problem through in-stay support — being locked out, something broken, or a safety issue — acknowledge it and deal with it promptly. Safety reports are also sent to our support team.
• • Keep it on OnFire. A booking that starts on OnFire must be booked and paid for on OnFire. You must not ask a guest to pay you any other way, or to cancel and rebook off the platform. That is about stays that started on OnFire; you remain free to list your place elsewhere, on any terms, as the Business User Terms explain.
• • Guest data. You receive the guest's name and what you need to host them. Use it only to provide the stay and meet your legal duties, keep it secure, and do not use it for marketing unless the guest has agreed.

5. Pricing and Fees

Your earnings for a booking are the total the guest paid, less OnFire's service fee, less any taxes calculated on the booking, and less any refund, adjustment or amount you owe under these terms. The app shows this breakdown for each booking.

6. Payments and Payouts (Stripe Connect)

6.1 Stripe

Payment processing and payouts for OnFire are provided by Stripe. To be paid you must open a Stripe Connect Express account through the app and complete Stripe's identity and business verification. Stripe performs that verification and holds those records. By opening the account you agree to the Stripe Connected Account Agreement, which includes the Stripe Services Agreement (together, the "Stripe Services Agreement"), as Stripe may modify it from time to time. As a condition of OnFire enabling payment processing services through Stripe, you agree to provide OnFire accurate and complete information about you and your business, and you authorise OnFire to share it, and transaction information related to your use of Stripe's services, with Stripe. Stripe Connect is the only way to be paid for an OnFire booking.

6.2 Guest payments

Guests pay OnFire through Stripe when their booking is confirmed. A booking that is not paid is not confirmed, and the dates are released. You authorise OnFire to collect payment from guests for your bookings, to issue refunds to guests in the circumstances these Host Terms and your cancellation policy describe, and to deduct from your earnings the amounts these terms allow.

6.3 When you are paid

• • Your earnings for a booking are credited to your OnFire balance once the stay is complete — after the check-out date, when the booking is marked complete in the app. Bookings that are unpaid, cancelled or marked as a no-show are not credited this way.
• • You can then request a payout of your available balance to your Stripe account. Stripe pays it to your bank account on its own timeline, which depends on your country and bank. Payout history is shown in the Wallet.
• • Payouts are available only while your Stripe account is enabled for payouts. If Stripe restricts or disables your account, payouts pause until the issue is resolved with Stripe.

6.4 Holds

We may hold or delay crediting earnings, or hold a payout, where reasonably necessary: while a guest dispute, damage claim or chargeback on the booking is open; where we reasonably suspect fraud or a serious breach of these terms; after a late host cancellation; where the law, a court or an authority requires it; or where you owe us money under these terms. We tell you why, and we release the funds once the reason no longer applies.

6.5 Refunds, chargebacks and amounts you owe

Refunds to guests go back to the original payment method. If a guest is refunded because of something you are responsible for — your cancellation, a materially inaccurate listing, a property that was not accessible or not fit to stay in — or a payment for your booking is successfully charged back by the guest's bank, the refunded or charged-back amount is not owed to you. If it has already been credited or paid out, we may recover it by deducting it from your balance or future earnings, or by reversing the corresponding transfer to your Stripe account. Guest disputes are reviewed by our support team on the evidence from both sides; please respond to requests for information promptly, because we may decide a dispute without your input if you do not.

7. Taxes and Tax Forms

7.1 Tax forms

Before you publish your first listing you must submit a tax form in the app:

• • W-9 if you are a United States person, with your taxpayer identification number (SSN or EIN); or
• • W-8 if you are not a United States person, with your foreign tax identification number or VAT number.

You must also give your legal name, country and address. The information must be true, complete and yours (or your business's), and you must update it if it changes. Your tax identification number is stored encrypted and is shown back to you only in masked form. We may review a form and ask you to correct it, and we may pause your listings or payouts while a form is missing, rejected or incomplete.

We use this information to meet our own tax obligations. Where the law requires a platform to report hosts' income to tax authorities — for example information returns in the United States, or platform reporting rules in the European Union — we will report the information the law requires, which may include your identity, tax identification number, earnings and the properties you let, and we may provide you with a copy. The Privacy Policy explains this processing.

7.2 Taxes on stays

Where OnFire calculates and collects an occupancy, lodging, tourist or similar tax on a booking at checkout, it is shown as a separate line, does not form part of your earnings, and is handled by OnFire. For any tax OnFire does not collect on a booking, you are responsible for determining whether it applies and for collecting and paying it. You must not describe a charge as a tax unless it is one.

7.3 Your own taxes

You are responsible for reporting and paying all income, VAT, sales and other taxes due on your hosting income, and for any registration that requires. The earnings, accounting-journal and profit-and-loss exports in the app are provided to help you; they are not tax advice, and OnFire does not provide tax advice.

8. Cancellations and No-Shows

8.1 Your cancellation policy (guest cancellations)

You choose one of three cancellation policies for each listing; if you do not choose, it is Moderate. The policy shown on the listing when the guest booked applies to that booking. Days are counted as whole calendar days before the check-in date, and a guest can cancel through OnFire only before check-in. The refund percentage applies to the total the guest paid.

The part of the booking that is not refunded is treated as your earnings for that booking, less OnFire's service fee and taxes as described in section 5. We may refund a guest more than your policy provides where the law requires it, or where the guest could not stay because of something you are responsible for.

8.2 When you cancel

Cancelling a confirmed booking leaves a guest without somewhere to stay, so please do it only when you genuinely have to. When you cancel, the guest always receives a full refund, whatever your cancellation policy. Depending on how close to check-in you cancel, a cancellation penalty may also apply:

Amounts are shown in US dollars; for a listing priced in another currency, the equivalent amount in that currency applies. A penalty may be deducted from your balance or future earnings. Every host cancellation is also recorded against your hosting reliability record, with more weight the later it is, and that record can affect badges such as Superhost. Repeated or last-minute cancellations can lead to your listings being suspended or your account being restricted (section 12).

We may waive a penalty where you had to cancel for a reason genuinely outside your control that you could not have avoided — for example serious damage to the property, a government order, or a serious illness — if you tell us promptly and show us evidence. We may also cancel a booking on your behalf where it is needed to protect a guest's safety or to comply with the law.

8.3 No-shows

Guest no-show. If a guest does not arrive, you can mark the booking as a no-show from the check-in date onwards. Marking a no-show changes the booking's status and does not by itself refund the guest; how the booking is paid out is then settled under your cancellation policy. Do not mark a no-show unless the guest genuinely did not arrive and did not contact you to cancel.

Host no-show. If a guest cannot get into the property at the start of a confirmed stay because of you — you are unreachable, access instructions are missing or wrong, or the property is not available or not fit to stay in — and the problem is not fixed promptly, it is treated as a host cancellation less than 1 day before check-in: the guest receives a full refund and the penalty in section 8.2 applies.

9. Guest Conduct, Damage, Security Deposits and Claims

9.1 House rules and guest conduct

You can set house rules for your listing. They must be lawful, must be shown on the listing before the guest books, and may not discriminate unlawfully. Guests must follow them. If a guest seriously breaches your house rules or the law during a stay, contact us through the app; in an emergency, contact the local emergency services first. You must not lock out, threaten or harass a guest, or take any action against a guest that the law does not allow.

9.2 Security deposits

• • You may set a security deposit amount on your listing. It is shown to the guest before they book.
• • The deposit is a hold on the guest's card, placed when the booking is confirmed. It is not a charge, and it is not paid to you.
• • If the hold cannot be placed at confirmation, you may request it again before check-in.
• • Unless you open a claim, the hold is released automatically 3 days after the check-out date.
• • You must not ask a guest for a separate deposit outside OnFire.

9.3 Damage claims

If a guest, or anyone the guest brought, damages the property or its contents, or leaves it needing extraordinary cleaning, you can open a damage claim in the app. To do so you must:

• • open the claim before the deposit hold is released;
• • state the amount and the reason, itemised where you can, and provide evidence such as dated photographs, receipts, invoices or repair estimates; and
• • claim only reasonable amounts for loss genuinely caused during the stay, not normal wear and tear.

The guest then has 7 days to dispute the claim. Nothing is taken from the deposit while that window is open. A claim can never exceed the amount of the hold. Once the window has closed, an undisputed claim can be captured from the hold; a disputed claim is decided by OnFire on the evidence from both sides, and larger amounts are approved by a second member of our staff before any money moves. Any part of the hold that is not captured is released to the guest. Approved amounts are paid to you separately from your booking earnings.

Deciding a claim is not a finding of legal liability, and does not stop you or the guest from pursuing your rights in court or through insurance. OnFire does not pay for damage, and is not responsible for any loss the deposit does not cover. Submitting a false, inflated or unsupported claim is a serious breach of these terms.

10. Reviews

• • After a completed stay, the guest can review and rate your listing, and you can review the guest. Each side may leave one review per booking. Reviews are public: your listing's rating and review count are shown on the listing, and your review of a guest is visible to other hosts.
• • Reviews must be honest, based on the actual stay, and follow the Community Guidelines. They must not contain personal information, discriminatory or abusive content, or content unrelated to the stay.
• • You must not offer or give anything in exchange for a review or for changing or removing one, review your own listing, pressure or threaten a guest over a review, or use a review, a damage claim or a no-show report to retaliate against a guest.
• • Guests can edit a review of your listing, and an edited review may be checked again before it is shown. A review you leave of a guest cannot be edited after you submit it.
• • We may moderate reviews, and remove one that breaches these rules or the law. We do not remove or alter a genuine review because it is negative. If you believe a review about you breaches these rules, report it to us.
• • Ratings are one of the factors used to rank accommodation search results, as described in the Ranking Parameters. Nobody can pay to rank higher.

11. Prohibited Conduct

In addition to everything the Acceptable Use Policy prohibits, as a host you must not:

• • List a property you have no right to let, that does not exist, or that you know is unlawful to let where it is.
• • Misrepresent the property, its location, its condition, its safety, the fees or the terms of the stay, or use photographs of a different property.
• • Ask for or accept payment, deposits or fees for an OnFire booking outside OnFire, or otherwise get around OnFire's booking, payment, deposit or review systems.
• • Discriminate against a guest or prospective guest unlawfully, including on the basis of race, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, age or family status.
• • Use hidden or undisclosed cameras or recording devices, or any device in a private space.
• • Harass, threaten or endanger a guest, or enter the property during a stay without the guest's agreement except in a genuine emergency.
• • Submit fraudulent claims, fake no-shows or fake reviews, or manipulate ratings or rankings.
• • Use the property, or allow it to be used, for anything illegal, including human trafficking or sexual exploitation.
• • Use a guest's personal data for anything other than hosting them and meeting your legal duties.
• • Open or use a host account for someone else to avoid a ban, or give false information to us or to Stripe.

12. Suspension and Termination

We may suspend or remove a listing, withhold payouts as described in section 6.4, restrict your hosting, or freeze your account, where you breach these Host Terms or the documents they refer to, your listing or conduct is unlawful, fraudulent or unsafe for guests, you lose a registration, permit or verification your hosting depends on (including your Stripe account), or the law, a court or an authority requires it. The measures available to us, which decisions are made by a person, what we tell you and when, and how to ask us to look again are set out in section 3 of the Business User Terms. When we suspend or remove an accommodation listing, we send you a notice naming the listing and giving the reason.

Suspending a listing does not cancel bookings already confirmed on it unless we tell you so. Where we cancel bookings because of your breach, the guests are refunded in full and section 8.2 applies as if you had cancelled.

Ending your hosting. You can stop hosting at any time. Please honour or cancel your confirmed bookings first (cancellations are subject to section 8.2) and remove your listings: closing your account does not take your listings down, and it disconnects your payout account. Before you leave, download your earnings exports; we do not provide an export after an account is closed. Records of completed bookings are kept for the periods set out in the Business User Terms and the Privacy Policy.

Sections 5 to 9, 11 and 13 continue to apply to bookings made before termination, and to any amounts you owe us or we owe you.

13. Liability and Indemnity

Your responsibility. You are responsible for your listings, your property, the stays you provide, your compliance with the law and with these Host Terms, and your taxes. OnFire does not inspect properties, does not verify listings, and does not guarantee the conduct of hosts or guests.

Our liability. The disclaimers and limits of liability in the Terms of Service edition that applies to you (United States, section 10; Europe, section 10) apply to hosting. In addition, OnFire is not liable for damage to or loss of your property, for acts or omissions of guests or of anyone else at the property, or for any loss a security deposit does not cover.

Indemnity. To the extent the law allows, you will indemnify and hold harmless OnFire, its affiliates, officers, directors, employees and agents against any claims, damages, losses, fines, penalties and expenses (including reasonable legal fees) arising from your listings or your property; a stay you provide, including injury, illness, death or property damage suffered by a guest or anyone else; your breach of these Host Terms or of the law, including short-term rental, tax and anti-discrimination law; taxes you owe; or the acts or omissions of your co-hosts and team members. This is in addition to the indemnity in the Terms of Service.

Nothing in these Host Terms excludes or limits liability that cannot be excluded or limited by law, including liability for death or personal injury caused by negligence, or for fraud.

14. Changes to These Terms

We may change these Host Terms, for example to reflect changes to the product, our fees or the law. We give you at least 30 days' notice of a change, by email and in the app, and longer where the change means you have to alter how you host. You may end your hosting before the change takes effect. Changes are not retroactive and do not affect bookings confirmed before they take effect. We act on shorter notice only where the law requires it or where an immediate change is needed to deal with fraud or a similar security risk. Section 2.2 of the Business User Terms sets out these commitments in full. After a material change, we will ask you to accept the new version before you publish your next listing. The version and date at the top of this page show which version is current.

15. Governing Law and Disputes

These Host Terms are governed by the same law, and disputes about them are resolved in the same way, as the Terms of Service edition that applies to you: the law of the State of Delaware, with the courts and arbitration arrangements described in section 13 of the United States edition, if your counterparty is OnFire Messenger Inc.; or the law of Ireland, with the courts described in section 13 of the European edition, if your counterparty is OnFire Messenger Ltd. Business users can also use our internal complaint-handling system and mediation, described in Complaints and Mediation. Nothing in these Host Terms removes a right you have under law that cannot be removed by agreement.

Disputes between you and a guest about a stay are between you and the guest. Our dispute, refund and claims processes are there to help resolve them, but they do not replace either party's legal rights.

16. Contact