1. General refund principles

Bahama Homes may process or facilitate different types of payments, including Application Fees, Tenant Screening Fees, Booking Payments, rent payments, Refundable Security Deposits, platform service fees, Direct Service charges, Custom Quote payments, taxes, VAT, and other transaction-related amounts.

Refund eligibility depends on the transaction type, payment status, applicable Listing or Booking terms, Lease or Rental Agreement, service quote, Platform records, Payment Provider requirements, this Policy, the Terms and Conditions, and applicable law.

A payment is not automatically refundable because a User changes their mind, decides not to continue, misses a deadline, provides incomplete information, has an application declined, is not selected by an Owner/Manager, cancels outside an applicable refund window, closes an Account, or no longer wishes to use the Platform.

Where a transaction clearly qualifies for a refund under a stated policy, Bahama Homes may verify the payment, timing, calculation, payment recipient, and transaction records before initiating the refund. This administrative verification does not remove an otherwise valid refund entitlement.

Manual eligibility review may apply where facts are disputed, an exception is requested, a Booking is cancelled at or after check-in, an Owner/Manager cancels, a property is unavailable or materially not as described, a payment is duplicated or unauthorized, a service has partly been performed, or the standard refund calculation cannot be applied reliably.

Users should report a refund issue or payment error within 30 days after discovering it where reasonably possible. Bahama Homes may consider a later request where there is a reasonable explanation, delayed discovery, emergency, bank or Payment Provider delay, technical or accessibility issue, ongoing dispute, or where applicable law requires additional time.

Repeated fraudulent refund requests, false payment disputes, chargeback misuse, or abuse of the refund process may result in Account restrictions, service refusal, payment or Payout holds, or other action permitted by the Terms and Conditions and applicable law.

Nothing in this Policy limits any mandatory refund, cancellation, consumer, payment, chargeback, or other right or remedy that cannot legally be limited.

2. Application fees

Application Fees help cover Platform use, creation and maintenance of the paid application record, application processing, document handling, payment processing, communication tools, administrative support, and related application services.

An Application Fee is generally non-refundable once successful payment activates the paid application record and the application is submitted, processed, or made available to an Owner/Manager.

A failed or declined payment does not submit a paid application. Where the related order remains open and payable, the Applicant may retry payment without creating a new application record.

An application being declined, withdrawn, expired, unanswered, or not selected by an Owner/Manager does not make the Application Fee refundable.

Bahama Homes may approve a refund or another appropriate correction where:

• the fee was charged more than once for the same application because of a confirmed error;
• the charge was unauthorized and confirmed through the applicable review process;
• a Platform or payment error prevented the paid application from being created or submitted;
• Bahama Homes charged the incorrect Application Fee;
• Bahama Homes cancels the application service before processing begins; or
• a refund is required by applicable law.

Where an Owner/Manager withdraws a Listing, makes the property unavailable, or closes the application opportunity after an application has been submitted, Bahama Homes may review the circumstances and may offer a refund, correction, or other reasonable resolution. A refund is not automatic where the application service and related processing were already provided.

3. Tenant screening fees

Tenant screening is offered only where available. The scope, price, consent requirements, and applicable terms will be shown before a screening service is requested or purchased.

Tenant Screening Fees may cover identity or document verification, rental-history review, employment or income verification, reference checks, background-related checks where available and lawful, fraud prevention, third-party Screening Provider charges, and related review work.

A Tenant Screening Fee is generally non-refundable once the screening request has been submitted to Bahama Homes or a Screening Provider, verification or review activity has begun, third-party costs have been incurred, or screening results have been prepared or made available.

Screening, verification, document review, or payment of a Tenant Screening Fee does not guarantee application approval, lease approval, Booking acceptance, or acceptance by an Owner/Manager.

Bahama Homes may approve a refund or another appropriate correction where:

• the screening fee was charged more than once because of a confirmed error;
• the charge was unauthorized and confirmed through the applicable review process;
• the screening service was unavailable and no screening work or third-party submission began;
• a Platform or Payment Provider error prevented the purchased screening from being initiated;
• Bahama Homes charged the incorrect amount; or
• a refund is required by applicable law.

4. Bookings and cancellations

All short-term Booking cancellation deadlines are calculated using Bahamas time (America/Nassau, UTC−5 standard time and UTC−4 daylight time).

Unpaid booking requests

A pending or accepted Booking request is not a confirmed reservation until the full Booking Payment is successfully completed. If payment is not completed before the deadline shown in the booking record, the request may expire and the dates may be released. Because no successful Booking Payment was made, no payment refund is due for an unpaid or expired request.

Standard Guest cancellation terms

Unless a different approved policy was clearly shown before payment:

• More than 72 hours before scheduled check-in: the Booking is eligible for a full refund.
• Between 24 and 72 hours before scheduled check-in: the first night’s accommodation charge and the Bahama Homes Guest Service Fee are retained. The remaining eligible accommodation amount is refundable.
• Less than 24 hours before scheduled check-in, including same-day Bookings: the Booking is non-refundable once paid.

Where a cancellation clearly falls within these standard terms, the refund amount is calculated according to the applicable tier. Administrative verification may confirm the cancellation time, payment status, calculation, payment recipient, and transaction records, but will not remove an otherwise valid refund entitlement.

Cancellations at or after check-in

A cancellation, early departure, property complaint, stay interruption, or refund request made at or after scheduled check-in requires manual review. Bahama Homes may consider unused nights, property access, communications, evidence, Owner/Manager responsibility, Guest conduct, Payout status, and other relevant information. The standard pre-check-in calculation does not automatically determine the outcome after check-in.

Owner/Manager cancellation or property issue

If an Owner/Manager cancels a confirmed Booking before scheduled check-in, cannot provide the property as agreed, denies lawful access, or the property is materially unavailable or not as described before occupancy, the Guest is eligible for a full refund of the affected Booking Payment, including the Guest Service Fee.

Bahama Homes may verify the circumstances, place a Payout hold, request information, and confirm the refund calculation before administrative initiation. This verification does not remove an otherwise valid full-refund entitlement.

If the issue arises at or after check-in or affects only part of the stay, manual review may result in a full or partial refund based on the affected nights, property access, available evidence, Owner/Manager responsibility, Guest conduct, and other relevant circumstances.

Major emergency events

A qualifying major emergency event may include a natural disaster, hurricane, declared state of emergency, mandatory evacuation, government restriction, severe property damage, widespread utility failure, or comparable event directly affecting the property and making the stay impossible, unsafe, unlawful, or unavailable.

Ordinary bad weather, travel delays, flight changes, personal scheduling conflicts, personal emergencies, or a decision not to travel do not automatically qualify for an exception.

Bahama Homes may assist with cancellation handling, refund review, rescheduling, or another reasonable resolution based on the event, property availability, payment status, Payout status, applicable policy, Payment Provider requirements, and law.

Manual review and refund initiation

Manual eligibility review applies to disputed circumstances, Owner/Manager cancellations, property issues, major emergency exceptions, duplicate or unauthorized charges, cancellations at or after check-in, and cases where the standard calculation cannot be applied reliably.

In a manual-review situation, Bahama Homes may place a temporary Payout hold, request information, review supporting records, and approve, adjust, partially approve, or decline the request according to the applicable policy and available evidence.

Refunds require Bahama Homes administrative initiation and are not automatically transferred by the Platform. Once a standard-policy or manually reviewed refund is ready for processing, Bahama Homes will ordinarily submit or initiate it within two business days.

Owner/Manager Payout and refund funding

If an approved refund includes an amount attributable to the Owner/Manager before the Payout is initiated, Bahama Homes may reduce, cancel, or hold the pending Payout by the applicable amount.

Once a Payout has been initiated or paid, it will not be rewritten. Bahama Homes may instead create a Host repayment requirement, future Payout offset, or other permitted balance adjustment for the approved Owner/Manager-attributable amount.

The Owner/Manager is not responsible for Bahama Homes’ ordinary Guest Service Fee unless the charge results from the Owner/Manager’s fraud, misconduct, breach, or another expressly stated obligation.

5. Security deposits

Short-term Refundable Security Deposits

The short-term provisions in this section apply only where a Listing or Booking has an active Refundable Security Deposit requirement greater than zero. If no Refundable Security Deposit is required, no deposit collection, deduction, or return process applies.

A Refundable Security Deposit is separate from the accommodation charge, Guest Service Fee, Host Service Fee, and ordinary Host Payout.

Collection method

Depending on the payment option available and shown for the Booking, a Refundable Security Deposit may be:

• paid directly to the Owner/Manager at check-in;
• collected electronically through Bahama Homes and a Payment Provider;
• secured through a temporary authorization hold; or
• handled through another approved method disclosed before confirmation.

The collection method and amount shown for the Booking will apply to that reservation.

Under the current launch arrangement, the Refundable Security Deposit is ordinarily due to the Owner/Manager at check-in and is not included in the online Booking Payment. Bahama Homes may introduce electronic collection or authorization holds when supported by an approved Payment Provider.

Where Bahama Homes collects or administers a Refundable Security Deposit, it does so through the applicable Platform and Payment Provider process. The funds remain refundable subject to documented and approved deductions, Payment Provider requirements, the Booking terms, this Policy, the Terms and Conditions, and applicable law.

Deposit review

The post-checkout review process applies only where the booking record shows an active required security-deposit amount greater than zero.

The Owner/Manager has up to 48 hours after scheduled checkout to inspect the property and submit a deduction request, damage claim, dispute, or other valid hold.

Where a deposit was required but receipt was not recorded, the review still opens and may be closed as “No deposit received.” If the deposit was waived or reduced to zero for that Booking, no return process applies.

A deduction request should describe the issue and, where reasonably available, include photographs, receipts, estimates, invoices, messages, or other supporting records.

Permitted deductions may include documented property damage beyond ordinary wear and tear, missing items, excessive cleaning caused by a rule violation, unpaid Guest charges, late departure, unauthorized occupancy, smoking, pets, events, or other documented losses allowed by the Listing or Booking terms and applicable law.

Return or release

If a received or electronically administered deposit has no open deduction, dispute, administrative hold, damage review, suspected fraud issue, unpaid balance, or other valid restriction when the 48-hour review period ends, it becomes cleared for return or release.

After clearance, the responsible party should ordinarily initiate or record the return or release within one business day:

• cash, wire, or direct-transfer deposits are returned by the party holding the funds and recorded through the applicable Platform workflow;
• electronically collected deposits are submitted for refund by Bahama Homes or the responsible Payment Provider after administrative initiation; and
• authorization holds are submitted for release or reversal after administrative initiation.

No financial return or release is automatically executed merely because the deposit becomes cleared. A Refundable Security Deposit will not be converted into Bahama Homes Account credit or another stored-value balance. It must be returned or released through the applicable deposit or payment method, subject to documented deductions and valid holds.

The time required for a returned transfer, electronic refund, or released authorization to appear is controlled by the applicable bank, card issuer, or Payment Provider and may vary.

If a Booking is cancelled before check-in after a Refundable Security Deposit has been electronically collected or secured by authorization hold, the deposit will be submitted for refund or release after the cancellation and payment records are verified, unless a valid payment dispute, fraud review, legal restriction, or other permitted hold applies.

Bahama Homes may delay or hold a security-deposit workflow where there is an open dispute, administrative hold, pending damage review, suspected fraud, unpaid balance, incomplete review, compliance issue, Payment Provider issue, or legal requirement. A hold will remain only as long as reasonably necessary to review or resolve the issue, comply with Payment Provider requirements, or satisfy a legal or regulatory obligation.

Long-term rental deposits and move-in costs

A long-term Listing may show a security deposit, advance rent, first month’s rent, last month’s rent, or other move-in costs required by the Owner/Manager.

Bahama Homes may provide tools to display, calculate, process, transmit, and record these amounts. Use of those tools does not by itself make Bahama Homes the landlord, property manager, deposit administrator, or party responsible for applying or returning the security deposit.

Unless Bahama Homes has entered into a separate written property-management, collection, or deposit-administration agreement, the Owner/Manager remains responsible for the amount and lawful purpose of the deposit, how and where it is held, supporting deductions, resolving deposit claims, and returning any balance due to the Tenant.

Where Bahama Homes expressly agrees in writing to collect, hold, administer, apply, or return a long-term security deposit, refund and return obligations will be governed by that agreement, the applicable payment process, the Lease or Rental Agreement, and applicable law.

Processing or recording move-in costs through the Platform does not transfer the Owner/Manager’s landlord obligations to Bahama Homes unless a written agreement expressly provides otherwise.

6. Rent payments

Rent payments, partial rent payments, lease-related payments, and other property-related payments made through Bahama Homes are not refundable by Bahama Homes simply because a Tenant changes their mind, enters the wrong rental period, submits a partial payment, disputes Lease terms, or later disagrees with the Owner/Manager.

Tenants are responsible for entering accurate payment details, including the correct property, Lease reference, rental period, amount, payer information, partial-payment notes, and any other required information.

Owners/Managers are responsible for confirming rent obligations, balances, late fees, Lease compliance, and acceptance of partial payments unless Bahama Homes has expressly agreed otherwise in writing.

Bahama Homes may review duplicate payments, misapplied payment references, unauthorized charges, Payment Provider errors, or other confirmed processing issues. A refund, reversal, correction, or repayment may depend on whether the funds remain pending, have been settled, or have already been disbursed to the Owner/Manager.

If funds have already been disbursed, the Owner/Manager may be required to return or repay an approved amount before or after Bahama Homes processes the Tenant’s correction, depending on the applicable agreement and payment method.

A rent-payment refund or correction does not automatically cancel a Lease obligation, waive a balance, remove late fees, resolve a Lease dispute, or change the legal relationship between the Tenant and Owner/Manager.

Unless expressly agreed in writing, Bahama Homes is not responsible for enforcing rent collection, Lease defaults, late fees, eviction rights, or other landlord-tenant remedies.

7. Direct services and custom quotes

Bahama Homes may offer Direct Services, including property photography, videography, aerial photo or video, virtual tours, inspections, Listing support, lease preparation, document support, marketing support, or other custom services.

Direct Service refunds depend on the applicable Custom Quote, invoice, order, service confirmation, scheduling status, activation status, work performed, preparation completed, costs incurred, property readiness, travel requirements, weather conditions, access issues, third-party costs, and applicable law.

Unless otherwise stated in the applicable quote, checkout notice, order, service confirmation, or written agreement:

• a full refund may be available where Bahama Homes cancels the service before work begins and the service cannot be provided, subject to any mandatory legal requirements;
• where the customer cancels before work or activation begins, a refund may be available less any disclosed or documented non-refundable preparation costs or non-recoverable third-party costs already incurred;
• once scheduling, preparation, travel, production, document preparation, editing, third-party ordering, activation, or another stated service activity begins, Bahama Homes may retain the amount reasonably attributable to work completed and costs incurred;
• completed services and delivered work are generally non-refundable except for a confirmed material error, failure to provide the agreed service, or another right that applies under law;
• weather, safety, access, or property-readiness issues may result in rescheduling rather than a refund where the service can reasonably be completed later; and
• a Custom Quote, checkout notice, order, or written service agreement may contain transaction-specific cancellation and refund terms that control that service.

Property Marketing Campaigns. Unless otherwise stated at checkout or in the applicable service confirmation, a standard Property Marketing Campaign runs for 60 days beginning when Bahama Homes activates the campaign, not on the purchase date. Before activation, a customer cancellation may be eligible for a refund less any material preparation already completed and any disclosed or documented non-recoverable third-party costs already incurred.

Once a Property Marketing Campaign has been activated, the campaign fee is generally non-refundable. If the property is rented, booked, sold, withdrawn, suspended, becomes unavailable, or otherwise becomes ineligible for promotion before the end of the 60-day period, the unused portion of the campaign does not create a prorated refund entitlement. Bahama Homes may, at its discretion, provide a future marketing credit in appropriate circumstances, but such a credit is not automatic, is not cash, is not a wallet balance, and is subject to the terms stated when issued.

Property Spotlight Add-On. Unless otherwise stated at checkout or in the service confirmation, Spotlight runs for 30 days from activation. Once Spotlight has been activated, any amount paid for the Spotlight service is generally non-refundable and is not prorated merely because the property becomes unavailable, the underlying Marketing Campaign ends early, or a particular advertising channel is not used. Spotlight does not guarantee placement on any specific billboard, radio station, television campaign, publication, social platform, website, or other advertising channel.

If Bahama Homes cannot provide a paid Spotlight service and cancels it before activation, any amount actually paid for the undelivered Spotlight service may be refunded or otherwise resolved as permitted by law. Where Spotlight was provided at a 100% promotional discount or otherwise had a customer-paid amount of $0, the promotion has no separate cash refund value. A refund for a discounted item will not exceed the amount actually paid for that item, subject to any mandatory rights under applicable law.

A manual extension of a Marketing Campaign does not automatically extend Spotlight unless Bahama Homes expressly grants or confirms an additional Spotlight period. Marketing Campaigns and Spotlight do not renew automatically; a renewal is a new purchase or separately confirmed service period.

Where Bahama Homes offers a replacement service, rescheduling, partial refund, or service credit, the customer may be asked to confirm acceptance. A service credit will not replace a cash refund that is otherwise legally required.

8. Duplicate or unauthorized charges

Bahama Homes may refund, reverse, or correct a duplicate charge, verified unauthorized charge, incorrect charge caused by a Platform error, or other confirmed payment error.

Users should report a suspected duplicate or unauthorized charge within 30 days after discovering it where reasonably possible. Bahama Homes may consider a later report where there is a reasonable explanation, delayed discovery, bank or Payment Provider delay, emergency, technical or accessibility issue, ongoing dispute, or where applicable law requires additional time.

Users should provide enough information to identify the transaction, including the payment date, amount, email address, Account, order number, Booking number, application reference, service quote, or payment reference.

Bahama Homes may require identity or Account verification, bank or Payment Provider review, fraud review, or additional information before processing a refund or correction.

Reporting an unauthorized transaction to Bahama Homes does not prevent a User from exercising any separate rights available through their bank, card issuer, Payment Provider, or applicable law.

9. Taxes, VAT, and processing fees

Refunds involving taxes, VAT, platform service fees, Payment Provider charges, government duties, or similar amounts are calculated according to the transaction type, amount refunded, tax treatment, invoice status, Payment Provider requirements, accounting records, and applicable law.

For a short-term Booking:

• a full refund under the standard cancellation policy includes the refundable Booking Payment amounts, including the Guest Service Fee;
• for a cancellation between 24 and 72 hours before check-in, the Guest Service Fee is retained together with the first night’s accommodation charge;
• for a non-refundable cancellation less than 24 hours before check-in, the paid Booking Payment is retained unless an approved exception applies; and
• the Refundable Security Deposit is handled separately and is excluded from the Guest Service Fee and Host Service Fee calculations.

Where a taxable amount is refunded in whole or in part, any related tax or VAT adjustment will be recorded and processed according to Bahama Homes’ accounting procedures and applicable law.

Some bank, gateway, card-network, or third-party costs may not be returned to Bahama Homes after a transaction is refunded. Bahama Homes will not deduct such costs from a refund where the applicable policy or law requires the full refundable amount to be returned. In other cases, non-refundable third-party costs may be retained only where clearly disclosed, reasonably attributable to the transaction, and permitted by applicable law.

10. Refund timing and payment method

Once a standard-policy or manually reviewed refund is ready for processing, Bahama Homes will ordinarily submit or initiate it within two business days.

Approved refunds are generally returned to the original payment method where possible. If the original method cannot receive the refund, Bahama Homes may request verified alternative payment details or use another method permitted by the Payment Provider and applicable law.

After submission, card and electronic-payment refunds commonly take approximately 5 to 10 business days to appear. The actual posting time is controlled by the Payment Provider, card network, bank, card issuer, fraud review, chargeback status, refund method, and account status.

Where a payment or Refundable Security Deposit was made by cash, bank transfer, wire, or another manual method, the party holding the funds is responsible for initiating the approved return. Short-term security-deposit returns follow the timing stated in Section 5.

Bahama Homes may issue a corrected invoice, refund record, adjustment record, security-deposit statement, or other supporting record. The original invoice or payment record may remain part of the retained transaction history for the applicable legal, tax, accounting, audit, payment, dispute, and privacy-retention periods rather than being deleted or rewritten.

A service credit, rescheduled service, or other non-cash resolution may be offered only where appropriate. It will not replace a cash refund that is otherwise required, and a Refundable Security Deposit will not be converted into Account credit.

11. Chargebacks and disputes

If a User disputes a payment through a bank, card issuer, or Payment Provider, Bahama Homes may pause any separate refund or other action that could duplicate the disputed amount. Bahama Homes may also pause the related service, application, Booking, document access, Payout, or security-deposit action while the payment dispute is reviewed.

Bahama Homes may provide transaction records, invoices, receipts, application records, Booking records, communications, service records, document records, and other relevant information to the Payment Provider, bank, card issuer, Owner/Manager, legal adviser, regulator, or other authorized party where reasonably necessary and permitted by the Privacy Policy and applicable law.

Submitting a chargeback or payment dispute does not automatically cancel a Lease obligation, remove a rent balance, waive a fee, cancel a Booking term, delete records, or resolve a dispute with an Owner/Manager.

A User should not obtain both a chargeback and a separate refund for the same amount. Bahama Homes may suspend duplicate processing or seek recovery of a duplicated return where permitted by law.

12. Account closure and data retention

A refund, cancellation, application withdrawal, Booking cancellation, Account closure, or deletion request does not automatically delete application records, payment records, screening records, uploaded documents, invoices, receipts, deposit records, support tickets, communications, refund records, or chargeback records.

Bahama Homes may retain records where needed for legal, tax, accounting, audit, fraud prevention, security, dispute, payment, chargeback, compliance, or legitimate business-record purposes.

Data collection, use, access, correction, retention, security, and deletion are explained further in the Privacy Policy, including its application and document-retention provisions.

13. Changes to this policy

Bahama Homes may update this Refund Policy periodically. The “Last updated” date indicates the most recent revision.

Bahama Homes will provide reasonable advance notice of changes that materially affect Users’ refund or cancellation rights through email, a Platform notice, a dashboard notice, or another appropriate method. The notice will identify when the updated Policy takes effect.

Changes required by law or needed urgently for security, fraud prevention, Payment Provider compliance, or protection of the Platform may take effect sooner, with notice provided as soon as reasonably practicable.

Continued use of the Platform after the updated Policy takes effect constitutes acceptance. Where a change creates a substantial new financial obligation or materially reduces an existing refund right, Bahama Homes may require separate electronic acceptance. If you do not agree, discontinue use of the affected services before the updated Policy takes effect.

14. Contact

If you have questions about this Refund Policy or wish to request a refund review, contact support@bahama-homes.com.

Include your Account email, payment date, amount, order number, Booking number, application reference, service quote, payment reference, and any other information that helps identify the transaction.