Effective Date: September 5, 2026 1. Your agreement with Racct These Terms govern your use of the websites, apps, marketplace, messaging, and related features offered by Racct, Inc. (Racct, we, us). When you accept these Terms, you enter into an agreement with Racct. Please read them before creating an account, posting, ordering, or booking. If you do not agree, do not use the Services. The Privacy Policy explains how personal information is handled. The Returns Policy applies to eligible physical goods. Additional terms apply only to the features or transactions they expressly cover and must be made available before you agree to them. A listing, house rule, or private arrangement cannot override these Terms or mandatory law. Specific transaction terms govern the agreed item, work, dates, price, and disclosed cancellation conditions. We may update these Terms prospectively. Material changes will be communicated through the Services or the contact details on your account, with the effective date and any notice or fresh acceptance required by law. Changes do not retroactively change a confirmed transaction or accrued rights without the affected parties’ agreement. You may stop using the Services if you disagree with an update. 2. Stuff, Services, Stays, and Racct’s role Stuff means physical goods offered by a seller. Services means work offered by a service provider. Stays means accommodation offered by a host for specified dates. References to sellers include providers and hosts where appropriate; references to buyers include service customers and guests. Available features and transaction methods vary by listing and location. For a listing supplied by another user, that user is responsible for supplying the goods, work, or accommodation described in the confirmed order. Racct provides the marketplace and supporting technology. Publishing a listing, helping with a booking, processing a payment, or displaying a recommendation does not by itself make Racct the seller, employer, property owner, property manager, or insurer. A separately identified service supplied by Racct is governed by the terms shown for that service. These distinctions do not remove any responsibility that the law places on Racct. Profiles, reviews, booking counts, activity indicators, verification labels, media, and recommendations are information tools. A label represents only the check expressly described with it; it is not a guarantee of identity, qualifications, lawful operation, safety, suitability, or future performance. Racct does not promise that every user, property, or service has been inspected, licensed, background checked, or insured. 3. Eligibility, accounts, and authorized users You must be at least 18 and legally able to enter the applicable transaction. If acting for a business or another person, you must have authority to bind them and accurately identify your role. A booking involving children must be made and supervised by a responsible adult with lawful authority; children may not create marketplace accounts. Provide accurate account, contact, identity, payment, and payout information and keep it current. Protect your login credentials, use the available security controls, and promptly tell support about suspected misuse. You are responsible for activity you authorize and for taking reasonable steps to protect your account; this does not waive legal protections for unauthorized payments or impose responsibility for a security failure caused by Racct. A co-owner, co-host, employee, or assistant may act only within the permissions the account holder grants and the product supports. Before granting access, agree on responsibilities and obtain required consent. Adding a co-owner does not transfer title to property or create a partnership with Racct. Account holders and authorized contributors remain responsible for their own acts, accurate listings, agreed fulfillment, and lawful handling of customer information. 4. Listing accuracy and lawful conduct List only goods, services, and accommodation you own or have lawful authority to offer. Choose the correct listing type. Describe the offer, price basis, condition or scope, restrictions, material defects, hazards, and availability accurately. Keep photos, video, linked Spaces, calendar dates, amenities, and access information current. Correct an error promptly and notify affected customers; editing a listing does not change an existing order. Do not offer stolen, counterfeit, recalled, illegal, or unsafe goods; unlicensed regulated work; accommodation you cannot lawfully rent; or prohibited sexual, exploitative, violent, or discriminatory content. Do not harass, threaten, defraud, impersonate, manipulate reviews or booking counts, spam, exploit minors, or infringe another person’s privacy or intellectual property. Do not use the Services to circumvent account restrictions, blocked users, security checks, payment authorization, or moderation. Comply with applicable consumer protection, product safety, accessibility, nondiscrimination, employment, housing, privacy, and other laws. A preference, house rule, or pets policy does not excuse unlawful discrimination or remove an applicable obligation concerning assistance animals or disability accommodations. Do not retaliate against a person for making a good-faith report, requesting an accommodation, exercising a legal right, or leaving an honest review. 5. Stuff: goods, pickup, delivery, and removal Sellers are responsible for the accuracy of descriptions, their right to transfer the goods, and any legally required warnings or warranties. Buyers should review dimensions, condition, included parts, compatibility, and collection or delivery terms before ordering. A used or final-sale label does not eliminate rights arising from fraud, misdescription, product safety law, or other mandatory protections. Use the pickup, shipping, delivery, or removal method actually selected in the order. Agree on safe access, permitted handling, and any assembly or disassembly before work begins. Do not include hazardous materials, occupied furniture, undisclosed excessive loads, or goods you have no authority to release. A separate transport or removal service has its own disclosed scope and charges; buying an item does not automatically include it. Physical-goods return requests are governed by Racct’s Returns Policy, the terms disclosed for the purchase, and applicable law. Preserve the item and relevant evidence, and contact support before sending or dropping off a return. The physical-goods return process does not apply to service appointments or accommodation bookings. 6. Services: scope, providers, and completion A service listing must explain what one order includes, the location or delivery method, expected timing, exclusions, required customer preparation, and any materials or expenses. Providers must hold and maintain every license, permit, qualification, and insurance required for their work. A listing category or platform approval is not permission to perform regulated work. The provider and customer must agree to changes in scope, timing, materials, assistants, or price before the additional work or charge is incurred. Providers may not substitute personnel or bring others into a customer’s premises without the customer’s agreement and any required screening or authorization. Providers are responsible for the work and conduct of people they engage, as required by law and their agreement. Customers must provide reasonably safe, lawful access and disclose known conditions relevant to the agreed work. Either party should stop work that presents an immediate danger or requires an authorization that is missing. Notify the other party and support promptly so the unperformed work and any payment dispute can be addressed. Completion records and booking counts describe transaction activity; they do not certify workmanship or remove warranty or refund rights. A service listing can remain available for later orders. Each order has its own scope, payment, and completion obligations. Any employment or contractor status is determined by the actual relationship and applicable law, not solely by a label in these Terms. 7. Stays: host and guest responsibilities Hosts must have authority to offer the accommodation and obtain all required owner, landlord, co-owner, association, lender, and governmental permissions. Hosts must comply with local registration, zoning, occupancy, building, fire safety, accessibility, licensing, and lodging rules, including limits on rental nights and required registration disclosures. Racct may request compliance information or restrict an offer where required. Platform obligations imposed by law remain Racct’s responsibility. Describe the actual accommodation, permitted occupancy, sleeping arrangements, bathrooms, accessibility features, amenities, shared areas, pets, smoking rules, check-in and checkout arrangements, material hazards, and restrictions. Keep availability accurate across all booking channels. Do not double-book, misrepresent access to a linked Space, or substitute accommodation without the guest’s agreement. Hosts must provide safe and lawful access, maintain required safety equipment, and respect a guest’s privacy. Undisclosed surveillance and recording in bedrooms, bathrooms, or other areas with a reasonable expectation of privacy are prohibited. Any lawful exterior or common-area monitoring must be clearly disclosed before booking and comply with consent and recording laws. Do not publish entry codes, keys, or security credentials in public listing media. Guests may use only the accommodation, dates, occupancy, and amenities included in the confirmed booking. Follow lawful disclosed house rules, respect neighbors, supervise accompanying minors, and return access devices as agreed. Do not hold unauthorized parties, admit unapproved occupants, damage the property, or remain beyond the agreed period without a lawful basis or an approved extension. The legal character of a stay depends on the facts and local law, including its duration. Calling a booking a Stay or a nightly reservation does not waive tenancy, habitability, deposit, notice, eviction, or other housing protections. Hosts must use lawful procedures for entry and recovery of possession; these Terms do not authorize lockouts, utility shutoffs, seizure of belongings, or self-help eviction. 8. Orders, availability, offers, and booking dates Review the final order details before confirming, including the seller or host, goods or service scope, dates, price, fees, taxes, fulfillment method, and applicable cancellation terms. A conversation, question, draft, price estimate, calendar selection, or offer alone is not a confirmed order. Follow the confirmation and payment steps shown for the transaction; a reservation is confirmed when the Services identify it as confirmed. Stay bookings require a valid check-in and checkout date and availability for the entire selected period. Nights are calculated from the selected arrival date through the day before checkout, using the accommodation’s local dates. Date-specific rates, duration discounts, and stay restrictions apply only as included in the confirmed price. A nightly price is a price basis, not permission to choose dates later. Stay offers must identify the proposed dates and duration. An offer or question does not reserve dates or override unavailable dates. Changing dates, duration, scope, guest count, fulfillment terms, or price requires any necessary agreement, a revised total, and renewed payment authorization before additional charges. An expired or unavailable listing cannot be made orderable merely by discussing it in chat. 9. Prices, fees, payment authorization, and payouts Prices may be stated per item, per service order, or per night. The order summary identifies the purchase or booking subtotal, applicable discounts, booking and service fees, delivery or other selected charges, taxes, and total. A fee shown as zero is zero for that order. Providers and hosts must disclose every mandatory charge; they may not add an undisclosed cleaning, materials, resort, access, or other compulsory fee after confirmation. Price displays must include mandatory charges wherever required by law. Booking fees and service fees are distinct charges and may differ by listing type. Percentage booking fees for Services are based on the service price, and for Stays on the accommodation subtotal for the selected nights after applicable duration discounts, unless a different lawful calculation is expressly shown before confirmation. The amounts disclosed and accepted for the particular order govern. We may change fees for future transactions with the notice required by law; a later fee change does not alter a confirmed order. Use only a payment method you are entitled to use. By confirming a payment, you authorize the amount and payment method shown, subject to any separately disclosed authorization hold or installment schedule you accept. This agreement does not authorize arbitrary damage charges, unapproved add-ons, or an agent’s discretionary spending. Payment providers may impose their own terms and verification requirements. Do not send card numbers, bank passwords, identity documents, or one-time security codes in chats or agent prompts. Seller proceeds are subject to the fees, payout method, timing, refunds, and adjustments disclosed for the transaction and applicable law. Banks and payment providers may delay or reject a transfer. Racct may withhold or adjust a payout only where authorized by the applicable transaction terms or law, including a documented refund, payment reversal, fraud review, or legal restriction. Support can be contacted about a disputed charge or payout; nothing here removes cardholder or statutory payment-dispute rights. 10. Cancellations, changes, and refunds The cancellation and refund conditions disclosed and accepted before an order, together with applicable law, govern that order. Providers and hosts must disclose any deadline, no-show charge, nonrefundable amount, and effect on fees before confirmation. They cannot introduce a stricter policy afterward. An undisclosed penalty is not authorized by these Terms. Contact support if the applicable conditions are missing or unclear. Request a cancellation or change through the available order controls or support and notify the other party promptly. Editing or deleting a listing, blocking another user, closing an account, or posting a message does not by itself cancel a confirmed order. A change in dates may affect availability, duration discounts, fees, and taxes and requires a revised agreement. If goods are materially misdescribed, work is not performed as agreed, accommodation is unavailable or unsafe, or an order cannot lawfully be fulfilled, report the specific issue promptly with relevant evidence. Reporting promptly helps investigation but does not shorten a statutory claim period. Refund eligibility, including applicable fees, depends on the accepted terms, the circumstances, and mandatory law; a nonrefundable label does not override rights arising from nonperformance or legal protections. Unexpected events, weather, illness, travel disruption, and personal circumstances do not create an automatic platform-funded refund or replacement accommodation. Any remedy depends on the applicable policy and law. Racct may facilitate communication and payment adjustments but does not promise a replacement booking, reimbursement beyond an applicable obligation, or a guaranteed dispute outcome. 11. Taxes, records, and insurance Each seller, provider, and host is responsible for determining their tax, invoicing, registration, and reporting obligations and supplying accurate information. Racct or a payment provider may collect, remit, withhold, or report amounts where required by law or expressly identified in the transaction. Collection of one tax does not establish that every tax or filing obligation has been satisfied. Maintain appropriate insurance for the activity you provide or undertake, including legally required professional, business, vehicle, workers’ compensation, or accommodation coverage. Ordinary personal insurance may exclude commercial activity or short-term rentals. Confirm coverage with your insurer. No Racct protection, insurance, guarantee, or damage reimbursement applies unless separate written terms expressly identify it and its limits for your transaction. 12. Safety, injury, property damage, and reports In-person transactions, physical work, transport, and accommodation can involve injury, illness, theft, property damage, and other risks. Exercise reasonable care, consider the suitability of the activity and premises, and follow lawful safety instructions. Do not rely on a listing, photograph, Space, review, or automated answer as a safety inspection. Contact emergency services first when someone is in immediate danger; Racct messaging and support are not emergency-response services. You remain responsible for harm caused by your acts, omissions, breach, or persons for whom you are legally responsible. A customer is not automatically responsible for the independent misconduct of a provider merely because the provider was invited onto the premises. A guest is not responsible for ordinary wear or pre-existing damage solely because the issue was discovered during their stay. Report damage or a safety issue promptly and preserve reasonable evidence, such as dated photographs, messages, and repair estimates. Make claims honestly, avoid duplicate recovery, and allow the other party a fair opportunity to respond. A damage allegation is not itself authority to charge a payment method. Any amount collected must have a valid contractual or legal basis and the required authorization. Cooperation with support does not waive access to insurers, courts, regulators, or other legal remedies. 13. Messaging, public activity, and reviews Use contact and booking information only for the transaction or another purpose the person has agreed to. Do not add someone to marketing lists, disclose their private address or access instructions, or contact them after they have blocked you except through a lawful dispute-resolution channel. Obtain appropriate permission before sharing information about co-owners, occupants, guests, workers, or other people. Reviews and public posts must reflect honest experience and disclose a material incentive or relationship. Do not buy fabricated reviews, suppress a review by threats, or condition a refund or fulfillment on favorable feedback. Activity counts and timestamps can change as records are updated and are not a guarantee of demand or successful fulfillment. Racct handles communications and reports as described in the Privacy Policy, including for delivery, support, security, and moderation. Do not assume a transaction chat is a privileged conversation with a lawyer or an emergency channel. We may restrict abusive communications and preserve relevant records to address a complaint or legal obligation. 14. Content, media, Spaces, and intellectual property You retain rights you hold in your listings, photos, video, reviews, and spatial captures. You grant Racct a nonexclusive, worldwide, royalty-free license to store, reproduce, format, process, transmit, and display that content as reasonably necessary to operate the features you use, distribute your published content through its intended sharing features, and maintain security and legal records. Service providers may exercise these rights for Racct for those purposes. This license is subject to the content’s access settings and the Privacy Policy; uploading private content does not make it public. Obtain the rights and permissions needed for any person, property, copyrighted work, music, or other material you upload. A linked Space or 3D tour may disclose a room layout and possessions and must accurately correspond to the listing. Generated, reconstructed, or stylized media can contain omissions or visual errors and must not be represented as a survey, safety certification, accessibility certification, or exact measurement. Review outputs and disclose material differences from the actual offer. The license ends when the content is removed from our active Services, except for copies needed to fulfill existing transactions, honor authorized prior sharing, maintain backups, resolve disputes, or satisfy law under the Privacy Policy. Copies already obtained by others may remain outside our control. Racct and its licensors retain rights in the platform software, original graphics, names, and other platform materials. You may use them only as permitted by the Services or written authorization. Report an alleged intellectual-property infringement to support@racct.com with your contact information, the work or right concerned, the specific content location, and the basis of your complaint. Provide truthful information and authority to act for the rights holder. Racct may remove or restrict content while addressing a substantiated report and may restrict repeat infringers as appropriate under applicable law. 15. AI assistance and actions on your behalf AI and agent features, including Genie where available, can help search, compare, draft, summarize, or prepare a transaction. Outputs may be incomplete or inaccurate. Review factual claims, media, recommendations, prices, dates, and legal or safety implications before relying on them. An automated suggestion does not create a warranty, professional advice, or a verified statement by another user. Delegating research or drafting does not authorize an agent to buy, submit an offer, publish, send a message, change shipping or payout information, or spend credits. Such actions require your explicit intent through the applicable product confirmation for the specific action and terms. A material change to the item, content, recipient, dates, seller, amount, or payment or fulfillment terms requires renewed confirmation. Agent actions remain subject to the same permissions, limits, and validation as direct actions. Review the available preview and use the edit, cancel, or takeover controls before the action is committed. Transaction and action records may identify the acting user, agent, target, confirmation, and outcome as described in the Privacy Policy. These Terms do not grant blanket consent to future agent actions or excuse an action taken without legally sufficient authority. 16. Platform availability and enforcement We may maintain, change, or retire features and may experience interruptions, stale search results, or processing failures. We do not guarantee continuous availability, a particular ranking, income, booking volume, or transaction result. A renewed or refreshed service or stay listing does not change previously agreed bookings or excuse the provider’s obligations. We may investigate reports and restrict content, transactions, or accounts when reasonably necessary to address a breach, suspected fraud, safety risk, payment restriction, or legal requirement. Where appropriate and legally permitted, we will give the affected user an explanation and a way to contact support for review. Immediate action may be necessary for serious harm, security, or legal restrictions. Enforcement does not authorize Racct to retain money it must legally refund. You may stop using the Services and request account closure. Existing payment, fulfillment, refund, tax, recordkeeping, and dispute obligations survive to the extent needed to resolve them. Account closure and personal-information deletion are addressed separately in the Privacy Policy. 17. Warranties and limits of responsibility To the extent permitted by applicable law, the platform and automated outputs are provided as available, without implied warranties of merchantability, fitness for a particular purpose, noninfringement, or uninterrupted and error-free operation. This disclaimer concerns Racct’s platform; it does not erase an express promise made by Racct, a seller’s obligations, or a guarantee or remedy that the law requires. To the extent permitted by applicable law, Racct is not responsible for another user’s independent misconduct, the condition or performance of their offer, or a dispute solely between users. Racct is not liable for indirect, incidental, consequential, special, or punitive losses, including lost profits, arising from the Services. Where a monetary cap is lawful, Racct’s total liability arising from the Services is limited to the greater of USD 100 or the fees you paid to Racct for the Services during the 12 months preceding the event giving rise to the claim. The exclusions and cap do not apply to fraud, willful misconduct, gross negligence, a violation of law, death or personal injury caused by negligence where liability cannot be limited, amounts Racct is legally required to return or pay out, or any other liability that cannot lawfully be excluded or limited. Nothing in these Terms waives mandatory consumer, housing, privacy, employment, product-safety, or payment rights, or makes Racct immune from its own legal obligations. If a limitation is unenforceable, the applicable law governs. 18. Responsibility for third-party claims To the extent permitted by law, you agree to indemnify Racct and its personnel against third-party claims, resulting damages, and reasonable legal costs to the extent caused by your unlawful conduct, material breach of these Terms, infringement of another person’s rights, or your negligent or intentional harm in connection with an offer or transaction. This obligation does not cover harm caused by Racct’s own negligence, misconduct, or breach, and it does not enlarge a consumer’s liability beyond what the law permits. Racct must give reasonably prompt notice of a claim, provide reasonable cooperation, and take reasonable steps to mitigate loss. You may participate in the defense. Neither party may settle a covered claim in a manner that admits fault for, imposes a nonmonetary obligation on, or fails to release the other without that party’s consent, which must not be unreasonably withheld. 19. Disputes and general terms Contact support@racct.com or in-app support with the order reference and a concise description of the issue. We encourage good-faith resolution, but contacting support is not a requirement that prevents urgent relief, a payment dispute, a regulatory complaint, or a claim within a statutory deadline. These Terms do not impose mandatory arbitration or waive participation in a class action. California law governs this agreement to the extent a choice of law is permitted, without displacing mandatory protections in your jurisdiction. Courts with lawful jurisdiction remain available, including an appropriate small-claims court. These Terms do not require you to bring a claim in a place where mandatory law permits you to proceed locally. If a provision is unenforceable, the remaining provisions continue to the extent the agreement can operate lawfully. A failure to enforce a provision is not a continuing waiver. You may not transfer your account or this agreement without Racct’s consent except where law permits; Racct may transfer the agreement in a genuine reorganization or business transfer without reducing your accrued rights and with required notice. Provisions concerning completed transactions, payments, content already shared, lawful records, liability, and disputes survive termination to the extent their purpose requires. For questions about these Terms, contact Racct, Inc. through in-app support or support@racct.com.