User Agreement

Welcome, and thank you for choosing ReportYourRent (“RYR”) as your partner in building and maintaining a strong financial foundation. This User Agreement outlines the terms and conditions that govern your access to and use of our services.

Before getting started, please take the time to read this Agreement carefully. Like most online and mobile platforms, your use of our services means you accept and agree to all the terms herein. We know legal documents aren’t everyone’s favorite, but this one is important—it impacts your rights and responsibilities. By continuing to use our services, you are formally agreeing to everything in this Agreement.

Legal Notice:

This Agreement includes a binding arbitration clause and class action waiver that affect how disputes are resolved. You may choose to opt out of the arbitration and class action waiver provisions by following the instructions described below.

Let’s get to it. When you access or use any of our services, you’re entering into a legal relationship with RYR—and this Agreement is the foundation of that relationship.

Table of Contents

1. Our Services
2. Your Account
3. Limitations and Restrictions on Use
4. Ownership and Intellectual Property
5. Contributing to Our Community
6. Monitoring and Legal Disclosures
7. Disclaimers
8. Limitation of Liability
9. Indemnification
10. Dispute Resolution and Arbitration
11. Deactivation and Termination
12. Miscellaneous Provisions

1. Our Services

When we refer to the “Services,” we mean all platforms, tools, features, and content offered or operated by ReportYourRent.com, LLC, including its subsidiaries and affiliates (collectively, “ReportYourRent,” “RYR,” “we,” or “us”). This includes, but is not limited to, our website at www.ReportYourRent.com, our mobile applications, and any other digital or physical channels through which we provide services—unless those channels have separate or supplementary agreements, which would apply accordingly.

Our goal is to empower renters to improve and track their credit profiles, access personalized financial tools, and engage with a community focused on financial well-being. As of the effective date of this Agreement, our core services include:

1.1 Rent Reporting

We enable users to report eligible residential rent payments to major credit bureaus, helping to establish or enhance credit history. In addition, users may access credit scores at no cost. For an additional fee, users can unlock enhanced services such as credit monitoring, credit insights, and analysis tools.

Note: Eligibility for rent reporting and related features may vary based on factors including, but not limited to, property type, landlord participation, and payment verification.

1.2 Access to Financial Offers

We provide access to curated financial offers through our network of partners. These offers are personalized using your credit profile and other financial data to help you make more informed decisions. Tools such as pre-qualification checks, Approval Odds, and loan calculators may be provided for educational and comparative purposes.

Important: We do not guarantee approval for any third-party financial products and do not submit applications on your behalf without your express consent.

1.3 Financial Insights and Education

RYR delivers educational resources and data-driven insights to help you better understand and improve your credit and overall financial health. We leverage analytics and industry experience to provide relevant content, including articles, tips, score explanations, and financial planning tools.

1.4 Community Engagement and User Reviews

We encourage collaboration, conversation, and knowledge-sharing among users. Our community features, including discussion forums and product reviews, are designed to help you learn from others’ experiences and offer your own insights. Community participation is optional, but must follow our Community Rules to ensure respectful and constructive interactions.

2. Your RYR Account

To access the full range of RYR services—including rent reporting, credit score viewing, monitoring, and personalized financial tools—you must register for an RYR member account. Your account serves as your gateway to our platform and is subject to the following requirements and conditions:

2.1 General Account Requirements

By registering for an RYR member account, you confirm and agree that:

• You are at least 18 years of age and a U.S. resident with a valid Social Security number.
• All information you provide during registration and throughout your use of RYR is truthful, current, and complete.
• You are creating an account solely for yourself and will not create or manage accounts on behalf of others.
• Your RYR account credentials (especially your password) are unique to our platform and will not be reused across other services.
• You are responsible for maintaining the confidentiality and security of your account. Unauthorized use or sharing of your login credentials is strictly prohibited.
• You will promptly update your account information as needed to ensure its accuracy.

You are fully responsible for any activity that occurs under your account, whether authorized by you or not. If you suspect your account has been compromised, contact us immediately.

2.2 Consent to Data Use and Communication

By creating an account, you expressly authorize RYR to:

• Establish and maintain an account in your name, using your registration data and additional information collected in accordance with our Privacy Statement.
• Collect and access your consumer credit data, including credit reports and related information, from authorized third parties for the purpose of providing our services.
• Report your verified rent payment history to applicable credit bureaus.
• Contact you via SMS and other communication channels for service-related updates. If you wish to stop receiving SMS notifications, you must close your account, as text messaging is integral to certain service features.
• Work with your wireless carrier solely for identity verification and fraud prevention purposes.

You may withdraw your consent at any time by deactivating your account.

2.3 Account Activity, Maintenance & Review

To ensure the integrity of our platform and services, RYR may, at its sole discretion:

• Periodically review your account activity for signs of misuse, fraud, or noncompliance.
• Suspend or restrict access if we detect suspicious behavior or if your use violates this Agreement.
• Require periodic verification of your identity or information to maintain continued access to services.
• Automatically deactivate inactive or dormant accounts after a defined period of non-use, with notice provided where appropriate.

We reserve the right to deny, suspend, or terminate any account at our discretion, especially in cases of abuse, misrepresentation, or legal risk.

3. Limitations and Restrictions on Use of Our Services

RYR is committed to maintaining a secure, fair, and legally compliant environment for all users. To protect our platform and the integrity of our services, your use is subject to the following limitations and conditions.

3.1 Use of Analytical Tools and Estimates

RYR provides analysis tools, projections, and educational estimations based on your credit profile, rental history, and related financial data. You acknowledge and agree that:

• These tools are informational only and are not a guarantee of results, credit approval, or financial performance.
• All projections are based on limited data inputs, assumptions, and proprietary methodologies, which may differ from other platforms or credit evaluation models.
• You are solely responsible for any financial decisions made in reliance on these tools, and RYR is not liable for outcomes derived from such use.

3.2 Offers from Third Parties

We may present offers from financial institutions or service providers based on your credit profile or account data. In using these offers, you understand and agree that:

• RYR does not guarantee eligibility, approval, or outcomes from any third-party product or service.
• Offers are provided by external partners, not RYR. All terms, conditions, and decisions rest solely with the offering party.
• RYR does not act as your agent or submit applications on your behalf without your direct consent.
• You are responsible for independently evaluating any third-party offer before taking action.

3.3 Educational and Informational Purpose Only

All content provided by RYR—whether in the form of articles, charts, calculators, or credit score access—is strictly for educational purposes. You acknowledge that:

• RYR is not a credit repair company, legal advisor, or financial planner as defined under any state or federal law.
• Our services do not replace professional financial, credit, or legal advice.
• Credit scores and reports displayed through RYR may differ from scores used by lenders, employers, or others for underwriting or decision-making.

3.4 Prohibited Conduct and Improper Use

To maintain the integrity and lawful operation of our services, users must not:

• Access or use the platform for any unlawful, misleading, deceptive, or fraudulent purposes.
• Provide false, incomplete, or outdated information during registration or while using our services.
• Use automated tools (e.g., bots, scripts, scrapers) to interact with or extract data from RYR’s systems.
• Attempt to reverse engineer, decompile, or gain unauthorized access to RYR’s code, infrastructure, or APIs.
• Engage in behavior that could disrupt, damage, or impair the functionality of our platform, systems, or third-party integrations.

Violations may result in immediate suspension or termination of your account and potential legal action.

3.5 Geographic and Jurisdictional Restrictions

RYR’s services are designed for and offered exclusively to users located in the United States. By using our services, you confirm that:

• You are located in a jurisdiction where access to RYR’s platform is lawful.
• You will not access or use the services in any region or country that subjects RYR to foreign regulation, registration, or compliance burdens outside of U.S. law.
• RYR reserves the right to limit or restrict access to services by geographic location, and may disable or suspend accounts based on jurisdictional limitations.

3.6 Compliance with Laws and Regulations

You agree to use RYR’s services in full compliance with all applicable federal, state, and local laws, including but not limited to:

• The Fair Credit Reporting Act (FCRA)
• The Truth in Lending Act (TILA)
• Applicable consumer protection, privacy, and anti-fraud laws

You may not use RYR to obtain consumer data, credit reports, or other sensitive information for unlawful purposes or under false pretenses. Violations may result in referral to law enforcement.

3.7 Third-Party Integrations and External Content

Our services may integrate with or contain links to third-party websites, applications, or services (“Third-Party Services”). You understand and accept that:

• RYR does not control or endorse any third-party content, services, or providers.
• Any use of Third-Party Services is done at your own risk and is governed by the terms and privacy policies of those third parties.
• RYR disclaims all responsibility for any data loss, unauthorized use, or harm arising from your interaction with third parties, including financial institutions, credit bureaus, and social media platforms.

3.8 Misuse of Rent Reporting Features

Our rent reporting functionality is designed to promote transparency and improve user credit profiles. Users must:

• Provide truthful and verifiable rental information during setup and throughout usage.
• Not submit falsified leases, payments, or landlord information.
• Cooperate with any reasonable verification processes initiated by RYR, including requests for documentation or landlord contact.

RYR reserves the right to suspend or terminate rent reporting features or user accounts found to be providing inaccurate, manipulated, or fraudulent data.

3.9 Multi-Account, Shared Access & Identity Protections

To maintain a secure and personalized platform, the following restrictions apply:

• Each user is permitted to maintain only one active account.
• You may not share your login credentials, allow third parties to access your account, or impersonate another individual.
• RYR may use account monitoring, device fingerprinting, or location-based verification to detect unauthorized or suspicious activity.
• Violations may lead to account deactivation, service restriction, or legal action.

4. Ownership and Intellectual Property

All rights, title, and interest in and to the RYR platform and its associated content remain the exclusive property of ReportYourRent.com, LLC and its authorized partners. Your access to our Services is limited, revocable, and conditional on your continued compliance with this Agreement.

4.1 RYR Content and Proprietary Rights

All materials and content made available through our Services—such as text, images, graphics, tools, user interfaces, trademarks, service marks, software code, and databases (collectively, “RYR Content”)—are the exclusive property of RYR or its licensors and are protected under U.S. and international copyright, trademark, and intellectual property laws.

You agree that you will not:

• Reproduce, duplicate, copy, sell, or exploit any portion of the Services or RYR Content without express written consent.
• Reverse engineer, decompile, disassemble, modify, or create derivative works from our Services or any RYR Content.
• Bypass or circumvent any digital rights management (DRM), access restrictions, or security features on the platform.

Nothing in this Agreement grants you ownership of or any license to use RYR Content, except as expressly provided.

4.2 Use of RYR Branding and Trademarks

The names, logos, slogans, and designs associated with ReportYourRent, including any product or service branding, are protected trademarks and trade dress of RYR. You may not:

• Use RYR’s name, logo, or branding in any commercial, promotional, or unauthorized manner.
• Imply any endorsement, partnership, or affiliation with RYR without express written authorization.

Any misuse of RYR trademarks may result in legal action and immediate termination of your account.

4.3 Third-Party Intellectual Property

Certain content within our Services may include trademarks, logos, software, or other proprietary materials owned by third-party partners (“Third-Party IP”). All such rights remain the property of their respective owners.

You may not:

• Copy, distribute, modify, or otherwise use Third-Party IP without appropriate authorization from the owner.
• Remove, obscure, or alter any copyright or proprietary notices appearing in any content displayed or accessed through our Services.

RYR provides access to Third-Party IP for informational or functional purposes only and does not grant any ownership or licensing rights.

4.4 Intellectual Property Infringement Complaints

If you believe in good faith that your copyrighted work or other intellectual property has been used or displayed on our platform in a manner that constitutes infringement, you may submit a formal notice to our Copyright Agent under the Digital Millennium Copyright Act (DMCA):

Copyright Agent

ReportYourRent Legal Department

3389 Sheridan Street, Unit 509

Hollywood, FL 33021

Email: legal@reportyourrent.com

To learn what your notice must include and how we respond, please visit our DMCA policy [link or reference].

Note: Submitting false claims may carry legal consequences under federal law.

RYR reserves the right to suspend or permanently remove access to any user who is found to have repeatedly infringed the intellectual property rights of others.

5. Contributing to the Community

RYR offers users opportunities to share insights, ask questions, and engage with others through forums, reviews, and interactive features. These contributions enhance the experience for all, but participation must be responsible, respectful, and aligned with our policies.

5.1 Community Participation Guidelines

Users may post or submit content such as comments, reviews, discussions, images, or other materials (“Community Content”) through our Services. By doing so, you agree to comply with RYR’s Community Rules, which prohibit:

• Hate speech, harassment, discriminatory, or threatening language
• Fraudulent, misleading, or unverified claims (e.g., false reviews)
• Commercial promotion, solicitation, or spam
• Posting of confidential, proprietary, or third-party personal information
• Uploading viruses, malicious code, or disruptive content
• Impersonation of any person or misrepresentation of affiliation with RYR

RYR may remove any Community Content at its sole discretion without notice, especially if it violates the Agreement or applicable laws.

5.2 License to RYR

By submitting Community Content, you grant RYR a worldwide, irrevocable, non-exclusive, royalty-free, sub-licensable, and transferable license to:

• Use, display, publish, reproduce, host, modify, adapt, or create derivative works of your content
• Promote or market RYR’s services across platforms and media channels
• Feature your content in searchable formats or public-facing areas of the platform

This license includes the right to use your name, username, likeness, or any other personal identifier you provide in connection with your content. You will not be compensated unless otherwise agreed in writing.

5.3 User Responsibility and Warranties

By contributing Community Content, you represent and warrant that:

• You are the creator and rightful owner of the content or have full legal rights to submit it
• Your content does not infringe upon or violate the rights of any third party, including intellectual property, privacy, or publicity rights
• Your submission complies with this Agreement and all applicable laws

You are solely responsible for your contributions and any consequences arising from them.

5.4 Use of Feedback

We welcome your feedback and suggestions for improving our services (“Feedback”). By submitting Feedback, you grant RYR a perpetual, unrestricted, royalty-free license to use it in any way, including to:

• Enhance or develop new products and services
• Improve internal processes and customer support
• Promote RYR through marketing or educational materials

You waive any right to compensation or acknowledgment unless required by law or agreed to in writing.

6. Monitoring, Compliance, and Legal Disclosures

RYR is committed to providing a safe, secure, and legally compliant platform for all users. To achieve this, we reserve the right—but not the obligation—to monitor use of our Services, enforce platform policies, and cooperate with regulatory and legal authorities where necessary.

6.1 Right to Monitor

We may monitor, record, analyze, and log your interactions with our Services to maintain service quality, prevent abuse, and ensure compliance with our policies and applicable laws. This includes:

• Tracking login activity, account behavior, and usage patterns
• Monitoring Community Content and user-submitted materials for prohibited or harmful content
• Detecting and investigating security breaches, fraud, or misuse of platform features

While we strive to maintain user privacy, you acknowledge and agree that RYR has the right to review and act upon your activity on the platform if it raises concerns or violates this Agreement.

Note: Monitoring may involve automated systems, human review, or a combination of both.

6.2 Information Access and Disclosure

RYR reserves the right to access, preserve, and disclose any information, including Personal Information (as defined in our Privacy Statement), if we believe in good faith that such action is reasonably necessary to:

• Comply with legal obligations – including subpoenas, court orders, warrants, investigations, or requests by law enforcement or regulatory bodies;
• Enforce our User Agreement – such as investigating suspected violations, fraud, or abuse;
• Protect rights and safety – including the rights, property, or safety of RYR, our users, partners, or the general public;
• Respond to security threats or technical issues – including service integrity, platform stability, or data protection risks.

We may also disclose information as part of a business transaction, such as a merger, acquisition, or sale of assets, where user data may be transferred subject to similar protections.

We may initiate internal investigations based on user activity, reports from other users, or system alerts. RYR reserves the right to:

Where appropriate, we may notify affected users of any enforcement action, though we are not obligated to do so in all cases.

6.4 Third-Party Cooperation

To fulfill our compliance responsibilities and investigate misuse, RYR may collaborate with:

• Credit bureaus and financial partners to confirm or investigate discrepancies in user-reported data
• Landlords or property managers to validate rent-related submissions
• Law enforcement or regulators to assist in fraud detection or criminal investigations
• Third-party service providers to monitor system integrity, identify potential abuse, or verify user identity

By using RYR’s Services, you consent to this cooperation where necessary to maintain platform integrity or meet legal obligations.

7. DISCLAIMERS

ALL USE OF THE REPORTYOURRENT SERVICES, INCLUDING BUT NOT LIMITED TO OUR WEBSITE, MOBILE APPLICATIONS, TOOLS, FEATURES, RENT REPORTING, CREDIT ANALYSIS, COMMUNITY FEATURES, THIRD-PARTY OFFERS, AND ALL CONTENT PROVIDED THROUGH OR IN CONNECTION WITH OUR PLATFORM, IS PROVIDED STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OR GUARANTEES OF ANY KIND—EXPRESS, IMPLIED, OR STATUTORY.

7.1 NO WARRANTY OF ACCURACY, COMPLETENESS, OR TIMELINESS

RYR DOES NOT WARRANT OR GUARANTEE THAT THE INFORMATION PROVIDED THROUGH OUR SERVICES—INCLUDING CREDIT SCORES, CREDIT REPORTS, RENTAL HISTORY DATA, ANALYTICAL TOOLS, OR FINANCIAL OFFERS—IS ACCURATE, COMPLETE, UP-TO-DATE, OR ERROR-FREE. THE DATA PRESENTED MAY BE BASED ON THIRD-PARTY SOURCES OUTSIDE OF OUR CONTROL AND IS SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

YOU UNDERSTAND THAT CREDIT SCORES AND REPORTS DISPLAYED VIA RYR MAY DIFFER FROM SCORES USED BY LENDERS, LANDLORDS, INSURERS, OR EMPLOYERS, AND THAT NO INFORMATION DISPLAYED SHOULD BE RELIED UPON AS A GUARANTEE OF CREDITWORTHINESS OR APPROVAL.

7.2 NO PROFESSIONAL OR LEGAL ADVICE PROVIDED

RYR IS NOT A LAW FIRM, FINANCIAL ADVISORY SERVICE, CREDIT COUNSELING AGENCY, OR CREDIT REPAIR ORGANIZATION. WE DO NOT PROVIDE FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE OF ANY KIND. ANY CONTENT, RECOMMENDATIONS, OR INFORMATION OFFERED ON OUR PLATFORM IS FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.

YOU AGREE THAT YOU WILL NOT INTERPRET ANY CONTENT OR TOOLS PROVIDED BY RYR AS A SUBSTITUTE FOR CONSULTATION WITH LICENSED PROFESSIONALS OR AS A BASIS FOR ANY FINANCIAL OR LEGAL DECISIONS.

7.3 NO ENDORSEMENT OF THIRD PARTIES OR OFFERS

RYR MAY DISPLAY OFFERS, PRODUCTS, OR SERVICES FROM THIRD-PARTY PARTNERS FOR YOUR CONVENIENCE. HOWEVER, WE DO NOT ENDORSE, RECOMMEND, WARRANT, OR GUARANTEE ANY SUCH THIRD-PARTY PROVIDERS OR THEIR PRODUCTS. RYR DOES NOT PARTICIPATE IN THE APPROVAL PROCESS AND DOES NOT REPRESENT OR ACT ON BEHALF OF ANY THIRD PARTY.

ANY INTERACTION, APPLICATION, OR TRANSACTION YOU ENGAGE IN WITH A THIRD PARTY IS ENTIRELY AT YOUR OWN RISK AND SUBJECT TO THEIR TERMS, CONDITIONS, AND POLICIES.

7.4 NO GUARANTEE OF RESULTS OR IMPROVEMENT

RYR MAKES NO GUARANTEE THAT USE OF OUR SERVICES—INCLUDING BUT NOT LIMITED TO RENT REPORTING, CREDIT SCORE ACCESS, OR EDUCATIONAL TOOLS—WILL RESULT IN AN IMPROVED CREDIT SCORE, ENHANCED FINANCIAL STATUS, OR SUCCESSFUL CREDIT APPLICATION. CREDIT SCORES ARE INFLUENCED BY NUMEROUS FACTORS OUTSIDE OUR CONTROL, INCLUDING PAYMENT HISTORY, CREDIT UTILIZATION, CREDIT MIX, AND ACTIVITY WITH OTHER CREDITORS OR AGENCIES.

YOU ACKNOWLEDGE AND AGREE THAT RESULTS MAY VARY FROM USER TO USER, AND RYR DISCLAIMS ALL RESPONSIBILITY FOR OUTCOMES ASSOCIATED WITH YOUR USE OF THE PLATFORM.

7.5 ASSUMPTION OF RISK BY USER

YOU EXPRESSLY ACKNOWLEDGE THAT YOU USE OUR SERVICES AT YOUR OWN RISK. THIS INCLUDES, WITHOUT LIMITATION, RISKS RELATED TO DATA LOSS, MISINTERPRETATION OF INFORMATION, UNAUTHORIZED ACCESS TO YOUR ACCOUNT, OR TECHNICAL FAILURES. YOU ASSUME FULL RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER, MOBILE DEVICE, OR DATA THAT RESULTS FROM YOUR USE OF OUR SERVICES.

7.6 NO WARRANTY OF CONTINUOUS ACCESS OR FUNCTIONALITY

RYR DOES NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. SYSTEM OUTAGES, MAINTENANCE, OR THIRD-PARTY INTERRUPTIONS MAY AFFECT ACCESSIBILITY OR PERFORMANCE. WE RESERVE THE RIGHT TO DISCONTINUE, MODIFY, OR LIMIT ANY FEATURE OR SERVICE AT ANY TIME, WITHOUT NOTICE OR LIABILITY.

7.7 DISCLAIMERS APPLY TO ALL COMMUNICATION CHANNELS

THE ABOVE DISCLAIMERS APPLY TO ALL CONTENT, FEATURES, SERVICES, AND COMMUNICATIONS YOU MAY RECEIVE FROM RYR—INCLUDING BUT NOT LIMITED TO EMAILS, TEXT MESSAGES, NOTIFICATIONS, IN-APP ALERTS, SOCIAL MEDIA POSTS, CUSTOMER SUPPORT RESPONSES, AND ANY OTHER FORM OF COMMUNICATION OR REPRESENTATION.

7.8 EXCEPTIONS WHERE PROHIBITED BY LAW

CERTAIN STATES OR JURISDICTIONS MAY NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OF CERTAIN DAMAGES. IF SO, SOME OF THE ABOVE DISCLAIMERS MAY NOT APPLY TO YOU. HOWEVER, THEY SHALL BE ENFORCED TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW.

8. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, REPORTYOURRENT.COM, LLC, INCLUDING ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE “RYR PARTIES”), SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, OUR SERVICES OR ANY CONTENT, DATA, FEATURES, OR TOOLS MADE AVAILABLE THROUGH THEM.

8.1 TYPES OF DAMAGES COVERED BY THIS LIMITATION

THIS INCLUDES, BUT IS NOT LIMITED TO:

• LOSS OF PROFITS, EARNINGS, REVENUE, OR ANTICIPATED SAVINGS
• LOSS OF BUSINESS, DATA, GOODWILL, OR REPUTATION
• COMPUTER DAMAGE OR SYSTEM FAILURE
• LOSS OR CORRUPTION OF FILES OR CONTENT
• COST OF SUBSTITUTE SERVICES OR TECHNOLOGY
• UNAUTHORIZED ACCESS, HACKING, OR DISCLOSURE OF USER DATA
• ANY OTHER INTANGIBLE LOSS, HOWEVER ARISING

THE ABOVE APPLIES WHETHER THE CLAIM IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF RYR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8.2 CAPPED MONETARY LIABILITY

EXCEPT AS OTHERWISE STATED IN THIS AGREEMENT OR REQUIRED BY LAW, THE TOTAL LIABILITY OF THE RYR PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES SHALL BE LIMITED TO THE GREATER OF:

• ONE HUNDRED U.S. DOLLARS (USD $100.00), OR
• THE AMOUNT YOU PAID TO RYR (IF ANY) DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM

THIS LIMITATION IS CUMULATIVE AND WILL NOT BE INCREASED BY THE EXISTENCE OF MULTIPLE INCIDENTS OR CLAIMS.

8.3 BASIS OF THE BARGAIN

YOU AGREE THAT THE ABOVE LIMITATIONS OF LIABILITY REFLECT A REASONABLE ALLOCATION OF RISK BETWEEN YOU AND RYR AND ARE A MATERIAL BASIS FOR THE PARTIES’ AGREEMENT. WITHOUT THESE LIMITATIONS, RYR WOULD NOT BE ABLE TO OFFER ITS SERVICES ON THE SAME TERMS OR AT THE SAME COST.

8.4 EXCLUSIONS WHERE NOT ALLOWED

CERTAIN JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH CASES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

9. INDEMNIFICATION

YOU AGREE TO FULLY DEFEND, INDEMNIFY, AND HOLD HARMLESS REPORTYOURRENT.COM, LLC, INCLUDING ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS, SUCCESSORS, AFFILIATES, AND ASSIGNS (COLLECTIVELY, THE “RYR PARTIES”), FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, ACTIONS, LIABILITIES, DAMAGES, LOSSES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES AND COURT COSTS) ARISING OUT OF OR RELATING TO:

• YOUR ACCESS TO OR USE OF THE SERVICES, INCLUDING ANY USE OF TOOLS, FEATURES, CONTENT, OR COMMUNITY FUNCTIONS;
• YOUR BREACH OR ALLEGED BREACH OF THIS AGREEMENT, INCLUDING ANY REPRESENTATION OR WARRANTY MADE BY YOU HEREIN;
• YOUR VIOLATION OF ANY APPLICABLE LAW, REGULATION, OR THIRD-PARTY RIGHT, INCLUDING WITHOUT LIMITATION ANY COPYRIGHT, TRADEMARK, PROPERTY, OR PRIVACY RIGHT;
• YOUR INTERACTIONS OR DISPUTES WITH ANY OTHER USER, THIRD PARTY, LANDLORD, OR CREDIT SERVICE PROVIDER, INCLUDING ANY HARM CAUSED TO ANOTHER USER OR THIRD PARTY ARISING FROM YOUR CONDUCT ON THE PLATFORM;
• YOUR COMMUNITY CONTENT OR FEEDBACK, INCLUDING CLAIMS THAT SUCH CONTENT INFRINGES THE RIGHTS OF A THIRD PARTY OR OTHERWISE VIOLATES THE LAW;
• YOUR MISUSE OR FRAUDULENT USE OF RENT REPORTING SERVICES, INCLUDING FALSIFIED DATA OR DOCUMENTATION PROVIDED BY YOU.

YOU AGREE THAT RYR MAY, AT ITS OWN DISCRETION AND EXPENSE, ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY CLAIM SUBJECT TO INDEMNIFICATION BY YOU, AND IF REQUESTED, YOU AGREE TO FULLY COOPERATE WITH THE RYR PARTIES IN DEFENDING AGAINST ANY SUCH CLAIM.

YOU FURTHER AGREE THAT YOU WILL NOT SETTLE ANY CLAIM OR MATTER WITHOUT RYR’S PRIOR WRITTEN CONSENT, WHICH MAY BE WITHHELD IN RYR’S SOLE DISCRETION.

THIS INDEMNIFICATION OBLIGATION SHALL SURVIVE TERMINATION OF THIS AGREEMENT, DEACTIVATION OF YOUR ACCOUNT, OR YOUR DISCONTINUED USE OF THE SERVICES.

10. Dispute Resolution and Arbitration

In order to resolve disputes efficiently and minimize the burden of litigation, you and ReportYourRent (“RYR”) agree that any and all disputes, claims, or controversies arising out of or relating to this Agreement, your use of the Services, or your relationship with RYR (regardless of when the dispute arose), shall be resolved exclusively through binding arbitration, with limited exceptions as outlined below.

10.1 Binding Arbitration Agreement

You and RYR agree that all disputes will be submitted to final and binding arbitration, and not to a court or jury. This includes, but is not limited to, disputes related to:

• The enforcement, interpretation, or scope of this Agreement
• The use or misuse of RYR’s services or platform
• Any advertising, representations, or marketing by RYR
• Alleged breaches of state or federal law, statutes, or regulations

The Federal Arbitration Act (FAA) governs this provision. The arbitrator shall apply Florida law to all substantive matters and claims, and the arbitration shall be conducted in accordance with the rules of the American Arbitration Association (“AAA”), unless otherwise agreed.

10.2 Waiver of Class Actions and Jury Trials

You and RYR agree that arbitration shall be conducted only on an individual basis, and not as a class, collective, or representative proceeding. You expressly waive the right to participate in or initiate any class action lawsuit, class arbitration, or any other consolidated proceeding.

Further, both parties knowingly and voluntarily waive any right to a trial by jury.

10.3 Exceptions to Arbitration

Notwithstanding the agreement to arbitrate, either party may:

• Bring an individual claim in small claims court within the jurisdictional limits of that court
• Seek injunctive relief or emergency relief from a court to prevent unauthorized use, infringement, or abuse of the Services or intellectual property
• File a complaint with a regulatory or administrative agency

These exceptions do not waive the overall arbitration obligation for other claims.

10.4 Arbitration Process

A party seeking arbitration must send written notice of the dispute to the other party via certified mail. The notice must describe the nature of the dispute and the specific relief requested. Notices to RYR must be sent to:

RYR, LLC – Legal Department
2131 Hollywood Boulevard, Suite 201
Hollywood, FL 33020

The arbitration will be administered by the AAA under its Consumer Arbitration Rules. The hearing will be conducted in Fort Lauderdale, Florida, unless both parties agree to a different location or to a remote proceeding. If your claim is for $10,000 or less, the arbitration may proceed based solely on written submissions, at your request.

10.5 Arbitration Costs and Attorney’s Fees

RYR will cover arbitration filing fees and arbitrator costs for claims totaling less than $10,000 unless the arbitrator determines your claim is frivolous or brought in bad faith. In such cases, the allocation of fees will follow AAA Rules, and you may be required to reimburse RYR.

The arbitrator may award attorney’s fees and costs only where allowed by law or if a claim is found to be frivolous.

10.6 Arbitration Award and Enforcement

The arbitrator shall issue a reasoned, written decision and may award any relief permitted by law, including damages, injunctive relief, and declaratory judgment. The decision shall be final and binding on both parties, and enforceable in any court of competent jurisdiction.

10.7 Changes to Arbitration Terms

If RYR makes any material changes to this arbitration provision in the future (other than a change to its contact address), you may reject the change within 30 days by sending written notice to the address above. Rejection of the change will not affect your obligation to individually arbitrate disputes in accordance with the terms in effect prior to the change.

10.8 Severability

If any provision of this Section 10 is found to be unenforceable, that provision shall be severed, and the remainder of the arbitration agreement shall remain in full force and effect.

11. Deactivation and Termination

This section outlines how and when your access to RYR’s Services may be deactivated or terminated—either by you or by us—and what terms continue to apply afterward.

11.1 Termination by You

You may choose to deactivate your RYR account at any time. To do so, visit our Help Center or submit a formal deactivation request through your account settings. Upon deactivation:

• Your access to all features of the platform will cease.
• Rent reporting and any related data submissions will be discontinued.
• Any previously reported data may remain in your credit file in accordance with credit bureau policies and applicable law.

Please note that deactivating your account does not automatically remove your data from credit bureaus or third-party partners. Requests to limit or delete data must be made in accordance with our Privacy Statement.

11.2 Termination by RYR

RYR reserves the right to suspend, restrict, or terminate your access to the Services, with or without notice, at our sole discretion. This may occur in the following situations:

• Violation of this Agreement or any applicable laws
• Submission of false, fraudulent, or misleading information
• Misuse of rent reporting or community features
• Evidence of unauthorized or suspicious activity
• Failure to comply with verification or documentation requests
• Extended periods of inactivity or dormant accounts

In cases of severe abuse, RYR may report the incident to relevant authorities or third-party partners, including credit bureaus, landlords, or regulators.

11.3 Effect of Termination

Termination of your account—whether by you or RYR—will result in:

• Immediate cessation of access to the Services
• Cancellation of pending or scheduled rent reporting activity
• Removal of access to any saved content, analysis tools, or financial offers
• Retention of certain data by RYR and/or credit bureaus, as required by law or internal policy

The following sections of this Agreement shall survive termination and continue to apply: Sections 4 (Ownership and IP), 6 (Monitoring and Legal Disclosures), 7 (Disclaimers), 8 (Limitation of Liability), 9 (Indemnification), 10 (Dispute Resolution and Arbitration), and 12 (Miscellaneous).

12. Miscellaneous

This section contains essential legal and administrative provisions that govern your relationship with RYR and how this Agreement operates beyond your direct use of the Services.

12.1 Governing Law and Venue

This Agreement shall be governed by and interpreted under the laws of the State of Florida, without regard to conflict of laws principles. Any disputes that are not subject to arbitration and must be brought in court shall be filed exclusively in a state or federal court located in Broward County, Florida. You consent to the personal jurisdiction and venue of these courts and waive any objection to such jurisdiction or venue on grounds of inconvenience or otherwise.

This governing law clause shall apply regardless of your country or state of residence or the location from which you access our Services.

12.2 Entire Agreement

This Agreement, together with our Privacy Statement, Community Rules, and any applicable Additional Terms associated with specific features or services, constitutes the entire agreement between you and RYR concerning your use of the Services. It supersedes any prior agreements, understandings, representations, or negotiations, whether oral or written.

No oral or written statements not expressly incorporated into this Agreement shall be binding on either party unless formally executed in writing and signed by an authorized representative of RYR.

12.3 Modifications to the Agreement

RYR reserves the right to amend or update this Agreement at any time in its sole discretion. We will provide notice of material modifications through appropriate means, such as:

• Posting the revised version on our website or app
• Sending notifications via email or in-app alerts

Material changes will require your consent or continued use of the Services to become effective. Non-material changes will be effective immediately upon posting. By continuing to access or use the Services after any modification, you accept and agree to the revised Agreement.

If you do not agree to the updated terms, your sole remedy is to discontinue use of the Services and close your account.

12.4 Waiver Must Be in Writing

Any waiver of a right or remedy under this Agreement must be in writing and signed by an authorized officer of RYR. A failure by RYR to enforce any provision of this Agreement at any time shall not constitute a waiver of our right to enforce that or any other provision at a later time.

No waiver by RYR of any breach shall be deemed a waiver of any future breach, regardless of similarity.

12.5 Assignment and Transferability

You may not assign, transfer, or delegate this Agreement or any of your rights or obligations under it, whether by operation of law or otherwise, without prior written consent from RYR. Any attempt to assign without such consent is void.

RYR may freely assign or transfer this Agreement, in whole or in part, including in connection with a merger, acquisition, corporate restructuring, or sale of assets, without notice or consent.

12.6 Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remainder of the Agreement shall remain in full force and effect.

No invalidity or unenforceability shall affect the validity of any other part of this Agreement. The parties agree that a court may modify any unenforceable provision to preserve its intent and enforce it to the fullest extent permitted by law.

12.7 Interpretation and Headings

Headings, titles, and section labels in this Agreement are for organizational convenience only and have no legal or contractual effect. They should not be used to interpret or construe any provision.

This Agreement shall not be interpreted against RYR merely because we drafted it. Both parties acknowledge that they had the opportunity to review this Agreement before accepting its terms.

12.8 Trade Restrictions and Compliance with Export Laws

By using the Services, you represent and warrant that:

• You are not located in, under the control of, or a national or resident of any country subject to U.S. trade sanctions.
• You are not on any restricted or prohibited party lists maintained by the U.S. government (e.g., the Treasury Department’s Specially Designated Nationals List).
• You will not use, export, or re-export the Services or any content provided by RYR in violation of applicable U.S. or international export control laws and regulations.

RYR reserves the right to restrict access to users or entities subject to export or trade restrictions.

12.9 Contacting Us

We welcome feedback, questions, or concerns related to this Agreement or our Services. You can reach our Legal Department through the following channels:

ReportYourRent, LLC
Attn: Legal Department
3389 Sheridan Street, Unit 509
Hollywood, Florida 33021
Email: legal@reportyourrent.com

Please allow a reasonable time for us to respond, and include sufficient detail in your correspondence to help us assist you efficiently.

12.10 Apple iOS Terms (If Applicable)

If you downloaded or use the RYR mobile app on an Apple iOS device, the following additional terms apply, as required by Apple Inc.:

• This Agreement is between you and RYR, not Apple.
• Apple is not responsible for the App or its content.
• The license to use the App is limited to your personal, non-transferable use on an Apple-branded device and subject to Apple’s Usage Rules.
• Apple has no obligation to provide maintenance or support services.
• In the event of any failure of the App to conform to any warranty, you may notify Apple, and Apple will refund the purchase price (if any). Beyond that, Apple has no other warranty obligations.
• Apple is not responsible for addressing any claims related to the App, including product liability, legal compliance, or consumer protection claims.
• Apple is a third-party beneficiary of this Agreement and has the right to enforce it against you.