Spot Terms of Service

Spot Financial, Inc. ("Spot," "we," "our," or "us") offers financial products for residential property owners and property managers, including Rent Advance and Guaranteed Rent programs (collectively, the "Services"). Our Services may be offered directly through our website (the "Site") or through authorized distribution partners, including third-party property management platforms.

To use our Services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States or an entity authorized to do business in the United States
• Own or manage residential rental property
• Satisfy any additional eligibility criteria specified for the applicable product

We reserve the right to decline applications or discontinue Services at our discretion, consistent with applicable law.

You agree to provide accurate, current, and complete information in your application and to promptly update such information if it changes. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. Please notify us immediately of any unauthorized use of your account.

Specific terms for each financial product, including fees, rates, repayment obligations, and program requirements, are set forth in separate product agreements (each a "Product Agreement"). Those Product Agreements govern your use of the applicable product and are incorporated by reference into these Terms. In the event of a conflict between these Terms and a Product Agreement, the Product Agreement controls with respect to that product.

By providing your phone number, you expressly consent to receive autodialed or prerecorded calls and text messages (SMS/MMS) from Spot or its authorized agents at the number provided. These communications may relate to your account, applications, service updates, and marketing. This consent is not a condition of purchasing any product or service.

Standard message and data rates may apply. To opt out of text messages at any time, reply STOP. To opt out of marketing phone calls, contact us using the information in Section 12. Opting out of marketing communications does not affect your receipt of transactional messages related to your account and Product Agreements.

You agree not to:

• Provide false or misleading information in any application or communication
• Use our Services for any unlawful purpose
• Interfere with or disrupt the security or integrity of our systems or networks
• Attempt to gain unauthorized access to our systems, accounts, or data
• Reverse engineer, decompile, or attempt to extract source code from our software or services

All content, trademarks, logos, trade names, and other materials on our Site and in our Services are the property of Spot or its licensors and are protected by applicable intellectual property laws. You may not use, reproduce, distribute, or create derivative works from such materials without our prior written consent.

Our Site and Services may contain links to third-party websites or be distributed through third-party platforms. We are not responsible for the content, privacy practices, or terms of those third parties. Your use of third-party platforms is subject to their respective terms and policies.

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SPOT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF (A) $100 OR (B) THE TOTAL AMOUNT YOU PAID TO SPOT IN THE THREE (3) MONTHS PRECEDING THE CLAIM GIVING RISE TO LIABILITY.

Any dispute, claim, or controversy arising out of or relating to these Terms or our Services will be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration will be conducted in Denver, Colorado, unless the parties agree otherwise.

YOU AND SPOT EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. Nothing in this section prevents either party from seeking emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.

These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles.

We may modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our Site or by contacting you directly. The date at the top of these Terms reflects when they were last updated. Your continued use of our Services after the effective date of any changes constitutes your acceptance of the updated Terms.

If you have questions about these Terms, please contact us at:

• Email: hello@spotrent.co
• Phone: 805 894 0669
• Mail: 108 W 13th St Suite 100 Wilmington DE 19801