Effective Date: March 18, 20251.

1. INTRODUCTION. Welcome to Cobble & Key Property Group, LLC (“Cobble & Key,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, www.cobbleandkey.com, and all related services, applications, and content (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services.

These Terms have been prepared by qualified legal counsel to protect the rights and interests of all parties involved while ensuring compliance with applicable laws and regulations in South Carolina and at the federal level.

2. SERVICES OVERVIEW. Cobble & Key Property Group, LLC is a property management company headquartered in South Carolina that specializes in both short-term and long-term residential rental properties. Our Services include, but are not limited to:

Short-term rental management

Long-term rental management

Property monitoring services

Marketing and advertising of rental properties

Tenant screening and selection

Rent collection and financial reporting

Property maintenance and repairs

Other related residential real estate services

3. USER ACCOUNTS.

3.1 Account Creation

To access certain features of our Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3.3 Account Termination

We reserve the right to terminate or suspend management services under this Agreement or any additional property management agreement we enter into, subject to the notice and conditions outlined in the respective agreement(s). Grounds for termination may include non-payment, violation of lease terms, unlawful activity, or conduct that is harmful to the property, other residents, or third parties. We will make reasonable efforts to provide notice before termination, except in cases where immediate action is necessary to protect the property or comply with legal requirements.

4. PROPERTY OWNER SERVICES.

4.1 Management Agreement

Property owners who engage our Services will be required to enter into a separate Property Management Agreement detailing the specific terms of our management services, including fees, responsibilities, and termination conditions. This agreement will comply with all South Carolina property management regulations.

4.2 Owner Responsibilities

Property owners remain responsible for:

Providing accurate information about their property

Maintaining appropriate property insurance

Complying with all applicable laws and regulations

Meeting financial obligations related to the property

Responding to communication from Cobble & Key in a timely manner

Maintaining the property in a habitable condition in accordance with South Carolina law

Complying with all safety requirements, including but not limited to smoke detector and carbon monoxide detector installation and maintenance

4.3 Financial Arrangements

Property owners will receive regular financial reports and disbursements according to the terms specified in their Property Management Agreement. All financial transactions will be conducted in compliance with applicable laws and regulations, including South Carolina Real Estate Commission requirements regarding trust accounts.

4.4 Property Owner Rights

Property owners have the right to:

Receive timely and accurate accounting of all financial transactions

Terminate the management agreement according to its terms

Be informed of significant issues regarding their property

Request reasonable documentation regarding property management activities

Fair and transparent fee structures

5. TENANT SERVICES.

5.1 Application Process

Prospective tenants must complete an application and undergo a screening process, which may include credit checks, background checks, employment verification, and rental history verification. All screening will be conducted in compliance with the Fair Credit Reporting Act, Fair Housing laws, and other applicable regulations.

5.2 Lease Agreements

Tenants will be required to enter into a written lease agreement that specifies the terms and conditions of their tenancy, including rent, security deposit, lease term, and other obligations. Our lease agreements comply with South Carolina Residential Landlord and Tenant Act and all other applicable laws.

5.3 Tenant Responsibilities

Tenants are responsible for:

Paying rent and other fees on time

Maintaining the property in good condition

Complying with all terms of their lease agreement

Reporting maintenance issues promptly

Obtaining renter’s insurance if required

Adhering to all community rules and regulations

5.4 Tenant Rights

Tenants have the right to:

A habitable dwelling in compliance with health and safety codes

Privacy and quiet enjoyment of the premises

Timely and appropriate responses to maintenance requests

Return of security deposits in accordance with South Carolina law

Fair treatment in accordance with all fair housing laws

Proper notice as required by law for entry, termination, or changes to terms

6. SHORT-TERM RENTAL SERVICES.

6.1 Booking and Reservations

Guests booking short-term rentals through our Services must comply with all booking policies, including check-in/check-out procedures, occupancy limits, and house rules. All short-term rentals will comply with applicable South Carolina laws and local ordinances regarding short-term rentals.

6.2 Cancellations and Refunds

Our cancellation and refund policies will be clearly communicated at the time of booking. Different properties may have different cancellation terms based on season, property type, and other factors. These policies will be transparent and fair to both property owners and guests.

6.3 Guest Conduct

Guests are expected to treat rental properties with respect, follow all house rules, and comply with local laws and regulations. Violations may result in additional charges, immediate termination of stay without refund, or other legal action. Guests will be provided with clear information regarding expectations and consequences prior to booking.

6.4 Guest Rights

Short-term rental guests have the right to:

Accommodations as described in the listing

Clean and safe premises

Privacy during their stay

Clear communication regarding all policies

Fair treatment regarding deposits and refunds

Timely resolution of legitimate issues during their stay

7. PROPERTY MONITORING SERVICES.

7.1 Monitoring Service Overview

Cobble & Key offers property monitoring services for both managed and non-managed properties. These services may include regular property inspections, security checks, weather preparedness, and systems monitoring.

7.2 Monitoring Schedule

The frequency and scope of monitoring services will be specified in a separate Property Monitoring Agreement. Standard monitoring includes periodic physical inspections, but is not continuous surveillance and should not be considered a security service.

7.3 Reporting

Property owners will receive detailed reports following each monitoring visit documenting the condition of the property and any issues identified. Urgent matters will be communicated promptly according to the owner’s preferred contact method.

7.4 Emergency Response

In the event that monitoring identifies emergency situations, Cobble & Key will take reasonable steps to mitigate damage as outlined in the Property Monitoring Agreement. This may include contacting emergency services or approved repair vendors.

7.5 Limitations

Property monitoring services are preventative in nature and do not guarantee against property damage, theft, or other losses. Property owners are encouraged to maintain appropriate insurance coverage regardless of monitoring frequency.

8. REFERRAL PROGRAM.

8.1 Referral Bonuses Overview

Cobble & Key offers referral bonuses to individuals who refer new tenants or property owners to our services. Referral amounts and eligibility requirements vary based on whether the referral is for a long-term tenant, long-term property management client, or a short-term rental property owner.

8.2 Long-Term Property Management Referrals

The following terms apply to referrals for long-term property management clients:

Referrals must be submitted through our official referral form prior to the owner contacting us directly.

The referred property owner must not be a current or former client of Cobble & Key.

The referred owner must sign a property management agreement with a minimum term of 12 months.

Referral bonuses will be paid after management services begin (i.e., upon successful onboarding and property activation).

Self-referrals by new property owners are permitted and qualify for the referral bonus.

8.3 Short-Term Rental Property Management Referrals

The following terms apply to referrals for short-term rental property management clients:

Referrals must be submitted through our official referral form prior to the owner contacting us directly.

The referred owner must not be a current or former client of Cobble & Key.

The referred owner must sign a short-term rental property management agreement with a minimum term of 6 months.

Referral bonuses will be paid after the property has been onboarded and listed under Cobble & Key management.

Self-referrals by new property owners are permitted and qualify for the referral bonus.

8.4 Tenant Referrals

The following terms apply to referrals for long-term tenants:

Referrals must be submitted through our official referral form before the prospective tenant inquires with us directly.

The referred tenant must sign a lease with a minimum term of 12 months.

Referral bonuses will be paid after the tenant has moved in and the lease is fully executed.

Self-referrals by tenants are not eligible.

8.5 Referral Bonus Amounts

Referral bonus amounts are published on our website at www.cobbleandkey.com/referrals and are subject to change at our discretion. Please refer to our website for the most current bonus structure.

8.6 Legal Compliance

Our referral program complies with all applicable laws, including:

The Real Estate Settlement Procedures Act (RESPA)

South Carolina Real Estate Commission regulations

Tax reporting requirements

Federal and state anti-kickback laws

8.7 Disqualifications

Cobble & Key reserves the right to disqualify referrals that:

Involve conflicts of interest

Are submitted by individuals prohibited from receiving referral fees under applicable law

Violate these Terms

Are determined to be fraudulent, misleading, or abusive

8.8 Tax Implications

Recipients of referral bonuses are responsible for any tax obligations. Cobble & Key will issue IRS Form 1099 or other required tax forms where applicable.

9. PAYMENTS AND FEES.

9.1 Management Fees

Our management fees are outlined in the Property Management Agreement and may vary based on the services provided, property type, and other factors. All fees will be clearly disclosed prior to entering into any agreement.

9.2 Payment Methods

We accept various payment methods, which will be specified in relevant agreements and on our payment platforms. All electronic payments are processed through secure, PCI-compliant systems.

9.3 Late Payments

Late payment fees and policies will be outlined in the respective agreements and comply with applicable South Carolina laws regarding late fees and interest charges.

9.4 Security Deposits

All security deposits will be handled in accordance with South Carolina Residential Landlord and Tenant Act. Deposits will be held in designated trust accounts as required by law and returned to tenants within the timeframe specified by state law, less any lawful deductions.

10. INTELLECTUAL PROPERTY.

10.1 Ownership

All content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of Cobble & Key Property Group, LLC or its content suppliers and is protected by United States and international copyright laws.

10.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for personal, non-commercial purposes. This license does not include:

Modifying or copying our materials

Using materials for any commercial purpose

Attempting to decompile or reverse engineer any software contained on our website

Removing any copyright or other proprietary notations

Transferring the materials to another person

10.3 Trademark Information

Cobble & Key Property Group, LLC and related logos are trademarks of Cobble & Key Property Group, LLC. All other trademarks appearing on our Services are the property of their respective owners.

11. PRIVACY AND DATA PROTECTION.

11.1 Collection & Use of Personal Information

We collect and use personal information as necessary to provide property management services, including but not limited to tenant screening, lease administration, maintenance coordination, and payment processing. Personal information may include names, contact details, financial data, and lease-related information.

We do not sell personal data. Information may be shared with third-party service providers only as necessary to perform contracted services, such as background checks, payment processing, and property maintenance. All such providers are required to maintain strict confidentiality and comply with applicable privacy laws.

11.2 Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, or loss. However, no internet transmission is entirely secure, and we cannot guarantee absolute security. We encourage users to take precautions when sharing personal data online.

11.3 Information Sharing & Legal Compliance

We share personal information only as necessary for property management operations and in compliance with all applicable state and federal privacy laws, including but not limited to the South Carolina Personal Information Security Breach Act. If required by law or regulatory authorities, we may disclose personal information to comply with legal obligations, protect our rights, or respond to lawful requests.

11.4 User Rights & Requests

Access & Updates: You may request access to or updates of your personal information.

Opt-Out: You may opt out of certain non-essential communications.

11.5 Changes to Privacy Practices

We may update this Privacy and Data Protection section as required by law or to enhance security and service operations. Any material changes will be communicated through written notice or electronic means.12. LIMITATIONS OF LIABILITY.

12.1 Disclaimer of Warranties

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS OR REQUIRED BY LAW, OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

12.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY SOUTH CAROLINA LAW, COBBLE & KEY PROPERTY GROUP, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES

ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES

ANY CONTENT OBTAINED FROM THE SERVICES

UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

13. INDEMNIFICATION.

You agree to indemnify, defend, and hold harmless Cobble & Key Property Group, LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney’s fees) arising from or relating to:

Your use of and access to the Services

Your violation of any term of these Terms

Your violation of any third-party right, including without limitation any copyright, property, or privacy right

Any claim that your content caused damage to a third party

This indemnification obligation will survive these Terms and your use of the Services.

14. GOVERNING LAW AND DISPUTE RESOLUTION.

These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the state and federal courts located in South Carolina.

15. MODIFICATIONS TO TERMS.

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice