Resale Certificate Order Terms
Effective: 2026-05-17. Applies to all RC orders placed via communitypay.us.
Summary
You authorize a hold on your card when you submit a resale certificate order. Your card is charged only when CommunityPay delivers the certificate. If we cannot fulfill within 7 days, the hold releases and you are not charged.
1. What you are ordering
A resale certificate (or estoppel certificate, as applicable under the governing state statute) for the specific unit and association you identified on the order form. CommunityPay prepares the certificate from a combination of:
- Official disclosures provided by the association or its managing agent in response to our statutory request on your behalf;
- Public records, including secretary-of-state filings, county property appraiser records, and recorded governing documents;
- CommunityPay's legal corpus of state statutes, regulations, and case law applicable to community-association resale disclosures.
2. Payment authorization (hold-and-capture)
When you submit your order, you are redirected to Stripe Checkout. Stripe places an authorization hold on your card for the stated amount. No funds are transferred at this point.
- If we deliver the certificate within the authorization window (Stripe default: 7 days), we capture the authorization and your card is charged the stated amount.
- If we cannot deliver within the authorization window — for example, the association does not respond to our statutory disclosure request within the statutory deadline — the authorization expires automatically and your card is not charged. You owe nothing.
- We may cancel the authorization at our discretion before it expires if we determine that we will not be able to fulfill (for example, the unit cannot be located or the association is in litigation that precludes a meaningful disclosure).
3. Source disclosure and accuracy
Each delivered certificate includes a cover page identifying the source of each disclosed item — the association or managing agent that provided it, the public record it was sourced from, or, where applicable, the notation "Unknown" with a statutory citation explaining the disclosure framework.
CommunityPay reformats source information and provides statutory cross-references. The underlying facts are the responsibility of the named source. CommunityPay does not warrant the accuracy of association-provided data and is not the issuing association.
4. Statutory framework
The format and required content of each certificate is governed by the statute applicable to the property's location and the community type, including but not limited to: RCW 64.34.425 / RCW 64.90.640 (Washington), Cal. Civ. Code §§4525-4530 (California), ORS 94.670 (Oregon), Fla. Stat. §720.30851 / §718.116 (Florida), Tex. Prop. Code §207 / §82.157 (Texas), C.R.S. §38-33.3-316 (Colorado), and NRS 116.4109 (Nevada).
Where the property is in a state for which CommunityPay does not maintain an active compliance profile, we will notify you and refund or release the authorization.
5. Your warranties
By placing an order, you warrant that:
- You have the right under applicable state law to request the certificate (as a unit owner, prospective buyer, lender, title agent, or duly authorized representative);
- The information you provide on the order form (property address, unit identifier, association name, your contact and role) is accurate to your knowledge;
- You authorize CommunityPay to contact the association, its managing agent, or other custodians of record on your behalf for the purpose of completing the certificate.
6. Liability
CommunityPay's maximum liability arising out of any order is limited to the amount actually charged for that order. CommunityPay is not liable for indirect, consequential, or incidental damages, including without limitation damages arising from the accuracy of association-provided disclosures, delays in delivery, or use of the certificate by third parties in a real-estate transaction.
The certificate is intended to assist in the disclosure-review portion of a real-estate transaction. It is not legal advice. You are responsible for engaging counsel and other professionals as appropriate to your transaction.
7. Cancellation and refunds
You may cancel an order at any time before delivery by contacting [email protected]; if we have not yet captured the authorization, we will cancel the hold and you will not be charged. After delivery, certificates are non-refundable except where required by applicable state statute or where CommunityPay determines, in good faith, that the delivered certificate was materially defective.
8. Privacy and information sharing
Information you provide is used to fulfill your order and may be shared with the association, its managing agent, or other custodians of record to obtain the disclosures required for the certificate. CommunityPay does not sell your personal information. See our Privacy Policy for the full description of data practices.
9. Governing law
These terms are governed by the laws of the State of Washington, without regard to its conflict-of-law principles. The statutory framework applicable to the underlying certificate is the statute of the state in which the subject property is located.
10. Contact
Questions about these terms or about a specific order: [email protected].