Terms of Service

1. Acceptance of Terms & Company Identification

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Rung™ Technologies, LLC, a Wyoming limited liability company (“Rung™,” “Company,” “we,” “our,” or “us”).

By creating an account, downloading the Rung™ mobile application, accessing our website at rungtech.com (or any associated domain), or using any software, features, or content provided by Rung™ (collectively, the “Services”), you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all of these Terms, you must immediately cease accessing and using the Services.

2. Nature of the Rung™ Platform

Rung™ is a consumer financial technology application designed to help residential tenants build long-term wealth and improve financial health. The platform enables users to:

• Schedule automated micro-investments timed to coincide with their monthly rental payments.
• Acquire fractional membership interests in real estate owning Special Purpose Vehicles (“SPVs”) managed in coordination with regulated platform and transfer agent partners.
• Enroll in credit bureau rent reporting powered by our authorized data furnisher partners to transmit verified on-time rent payment records to major consumer reporting agencies.
• Track community equity streaks, educational milestones, and portfolio growth.

3. Securities Disclosures & Asset-Holding SPV Integration

Rung™ Technologies, LLC is NOT a registered broker-dealer, investment adviser, funding portal, or bank.

All fractional real estate securities offered or referenced within the Rung™ application are originated, managed, and issued through independent Special Purpose Vehicles (typically limited liability companies) managed in conjunction with regulated asset-holding platform partners and registered transfer agents. Any securities transactions, secondary market matching, share issuance, or investor suitability verifications are executed pursuant to applicable exemptions under the Securities Act of 1933 (such as Regulation CF, Regulation A+, or Regulation D) through designated licensed broker-dealers, escrow agents, and registered transfer agents.

Investment Risk Notice: Fractional real estate investments are speculative and involve substantial risk, including illiquidity, lack of a public trading market, fluctuation in property valuations, and the potential loss of your entire invested capital. Past performance is no guarantee of future results. Distributions and appreciation are not guaranteed. Rung™ does not provide personalized financial, investment, legal, or tax advice.

4. Credit Bureau Rent Reporting

Rent reporting functionality on Rung™ is provided in partnership with authorized credit bureau data furnishers operating in compliance with the Fair Credit Reporting Act (“FCRA”).

When you enroll in rent reporting, you authorize Rung™ and our authorized credit data partners to verify your lease terms and rent payment transactions with your property management software or connected bank account. Verified on-time payments will be formatted to CDIA Metro 2 standards and transmitted to Experian, TransUnion, and Equifax.

Accuracy & Disputes: Credit score impacts vary based on your individual credit profile. While on-time reporting typically enhances credit profiles, Rung™ and our credit data partners cannot guarantee a specific point increase. In the event of a factual dispute regarding reported payment records, you may initiate a dispute directly through our support team or the respective credit bureaus under the FCRA.

5. Subscription Tiers & Billing Terms

Rung™ offers both free and paid subscription plans:

• Rung™ Basic (Free): Access to monthly property share micro-investing and community updates.
• Rung™ Plus ($4.99/month or $47.88/year): Everyday purchase round-ups, automated rent credit reporting, 1.5x streak multiplier, ability to receive or reinvest rental income, and annual tax document vaults.

The $50 First Share Match Terms & 12-Month Holding Rule: Members enrolled in Rung™ Plus are eligible to unlock a 100% dollar-for-dollar promotional match credit up to $50 toward property shares upon successfully referring three (3) qualified new users who register an account and complete their first property share purchase. To retain this promotional match credit, members must also maintain an active Rung™ Plus subscription in good standing for a minimum period of twelve (12) consecutive months from enrollment. If the member cancels, downgrades to Rung™ Basic, or terminates their Rung™ Plus subscription prior to the expiration of the twelve (12) month period, or if the referral conditions are not met, the promotional $50 match credit (and any unvested property shares or cash proceeds attributable thereto) shall be automatically forfeited and clawed back by Rung™ Technologies, LLC.

Automatic Renewal & Cancellation: Paid subscriptions automatically renew each billing cycle unless cancelled prior to your renewal date through your account settings or mobile app store. Subscription fees are non-refundable for partial billing periods except where required by applicable law.

6. Identity Verification (CIP / KYC)

To comply with federal anti-money laundering (“AML”) laws and USA PATRIOT Act customer identification programs (“CIP”), you will be required to provide verified identity information (such as your legal name, date of birth, residential address, and Social Security Number) through our regulated identity verification providers before initiating real estate share purchases or executing withdrawals. You agree to provide accurate and truthful information at all times.

7. Website Performance Diagnostics, Telemetry & Session Replay Consent

You expressly acknowledge, agree, and consent that we may utilize website performance measurement, diagnostic tools, telemetry, and session replay technologies operated by or on behalf of us to record standard navigational interactions (such as clicks, mouse movements, scrolling, and page load telemetry) strictly to monitor platform health, troubleshoot technical defects, and improve user workflow. Such service providers act solely on our behalf under confidential service provider terms and do not intercept private communications.

All diagnostic and session replay tools are configured with strict client-side data masking such that sensitive form inputs (including passwords, financial account details, payment credentials, and government identity numbers) are masked at the browser level prior to any telemetry transmission and are never recorded or stored. Diagnostic tools operate strictly subject to your prior affirmative express consent as recorded through our on-site cookie and privacy controls.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT SHALL RUNG™ TECHNOLOGIES, LLC, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100.00 USD) OR THE TOTAL FEES PAID BY YOU TO RUNG™ TECHNOLOGIES, LLC IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9. Governing Law, Mandatory 30-Day Pre-Dispute Informal Negotiation, Binding Individual Arbitration & Mass Arbitration Batching

These Terms and any dispute arising out of or related to your use of the Services shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law principles.

10. Contact & Inquiries

If you have questions, comments, or legal notices concerning these Terms, please reach out to: