Terms of Service

Effective date: July 27, 2026

1. Agreement to Terms

By creating an account or using FRB Rentals AI Intelligence or FRB Rentals PM Intelligence (each a “Service,” collectively the “Services”), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the Services. The Services are operated by FRB Rentals LLC (“FRB,” “we,” “us,” or “our”).

2. Description of Services

FRB Rentals AI Intelligence is a web-based financial analysis tool designed to help real estate investors model and evaluate rental investment properties (STR, MTR, and LTR). It provides calculators, projections, scenario modeling, and related analytical features.

FRB Rentals PM Intelligence is a web-based property operations tool for managing short-term, mid-term, and long-term rental properties day to day — including voice-driven walkthroughs, task and checklist management, inventory tracking, team and vendor management, and a property knowledge base, with AI-assisted features throughout.

A single FRB Rentals account may be used to access either or both Services.

3. Not Financial, Investment, or Professional Advice

The calculations, projections, scores, suggestions, and other outputs produced by the Services — including AI-generated content — are for informational and educational purposes only. They do not constitute financial advice, investment advice, tax advice, legal advice, or any professional advisory service.

All financial models involve assumptions and estimates that may not reflect actual market conditions, property performance, tax obligations, or future events. AI-generated suggestions (for example, maintenance recommendations, drafted procedures, or task suggestions) are based on the information available to the Services and may be incomplete or inaccurate. Past performance of any property or market does not guarantee future results. You should consult qualified financial, tax, legal, and other professionals before making any investment or operational decision.

FRB expressly disclaims any liability for decisions made in reliance on outputs from the Services.

4. Your Account

• You must be at least 18 years old to create an account.
• You are responsible for maintaining the confidentiality of your login credentials.
• You are responsible for all activity that occurs under your account.
• You must provide accurate information during registration and keep it current.
• You may not share your account with others or create accounts on behalf of third parties without authorization.

5. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any regulations.
• Attempt to gain unauthorized access to any part of the Services or their infrastructure.
• Reverse engineer, decompile, or attempt to extract the source code of the Services.
• Use automated scripts, bots, or scrapers to access or collect data from the Services.
• Resell, sublicense, or commercialize the Services or their outputs without written permission from FRB.
• Upload or transmit malicious code, viruses, or any harmful material.

6. Your Data

You retain ownership of the property data, financial inputs, operational records (including walkthrough observations, photos, tasks, checklists, inventory, equipment, and team/vendor information), and other content you enter into the Services (“Your Data”). By using the Services, you grant FRB a limited license to store, process, and display Your Data solely to provide the Services to you — including sending relevant portions of Your Data (such as voice recordings, photos, or text you submit) to AI providers as described in our Privacy Policy, solely to generate the AI features you request.

We do not sell Your Data to third parties. Aggregated, anonymized data may be used to improve the Services or publish market benchmarks. See our Privacy Policy for details.

7. Third-Party Services

The Services integrate with third-party providers, including Supabase (data storage and authentication), Google Maps (address lookup), Rentcast (property data), Walk Score (walkability data), Anthropic (AI processing for voice, photo, and text features), Stripe (subscription billing), Resend (transactional email), Cloudflare (bot/spam protection), and Vercel (hosting). Your use of features powered by these services is also subject to their respective terms and privacy policies. FRB is not responsible for the accuracy of data provided by third parties.

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. FRB DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY CALCULATIONS, PROJECTIONS, OR AI-GENERATED OUTPUTS WILL BE ACCURATE OR COMPLETE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FRB SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF FRB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL FRB’S TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO FRB, ACROSS ALL SERVICES, IN THE TWELVE MONTHS PRECEDING THE CLAIM.

10. Termination

You may close your account at any time by contacting us. We may suspend or terminate your access to either or both Services if you violate these Terms or for any other reason at our discretion, with or without notice. Upon termination, your right to use the affected Service(s) ceases immediately. We may delete your data after a reasonable retention period following termination.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or by displaying a notice in the applicable Service. Continued use of the Services after changes take effect constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Delaware.

13. Contact

Questions about these Terms? Contact us at support@frbrentals.com or visit www.frbrentals.com.

Privacy Policy

Effective date: September 17, 2026 (published September 3, 2026; Section 7 corrected September 14, 2026; Section 10 added October 4, 2026, and extended to beach quizzes and quiz emails October 6, 2026)

1. Who We Are

FRB Rentals AI Intelligence and FRB Rentals PM Intelligence (together, the “Services”) are operated by FRB Rentals LLC. This Privacy Policy explains how we collect, use, and protect your information when you use either Service. By using the Services, you agree to the practices described here.

This policy also covers the quiz, the beach quizzes and the property management inquiry form on our public website, www.frbrentals.com. Those forms are described in Section 10.

2. Information We Collect

Information you provide directly

• Account information: Full name, email address, password, phone number (optional), and how you heard about us (optional).
• Financial analysis data (AI Intelligence): Property addresses, purchase prices, financing details, income assumptions, and expense data you enter.
• Property operations data (PM Intelligence): Property details, room and equipment records, walkthrough observations and photos, voice recordings you submit for transcription, tasks, checklists, inventory, SOPs/FAQ entries, and team/vendor contact information.
• Feedback and support: Messages, bug reports, and feature requests submitted through the feedback form.

Information collected automatically

• Usage data: Pages visited, features used, and actions taken within the Services.
• Traffic and referral data: On our public pages, the page path you viewed, the referring site or campaign link, your device type, your browser’s user agent string, and approximate location (country and city) as reported by our hosting provider. We do not store your IP address alongside these page-view records.
• Security information: We record the IP address and approximate location of sign-in attempts and other account activity, to detect and block automated attacks on accounts. This is kept separately from the page-view records described above. We keep the IP address and city on these security records for 90 days, after which they are permanently erased. A record that the activity took place is retained, with the IP address and city removed, so we can understand how the Services are used.
• Device and browser information: Browser type, screen resolution, and user agent string (collected with feedback submissions to help diagnose issues).
• Cookies: Authentication session cookies managed by Supabase Auth, plus two first-party analytics cookies described in Section 7. Our public marketing website additionally uses Google Analytics cookies, also described in Section 7.

Information from third parties

• Rentcast: Property details (beds, baths, square footage, estimated value, tax records) retrieved when you look up an address. Stored in your property record.
• Google Maps: Address autocomplete suggestions. We do not store Google Maps data beyond what you select.
• Walk Score: Walkability scores retrieved for property addresses.
• Cloudflare Turnstile: A bot-verification signal used at signup to confirm you’re not an automated script. We do not receive or store any personal data from Cloudflare beyond a pass/fail verification result.

3. How We Use Your Information

• To provide, operate, and improve the Services.
• To authenticate your account and maintain session security.
• To detect, investigate, and block automated attacks, repeated failed sign-in attempts, and other abuse of the Services.
• To pre-populate property forms with third-party data you request.
• To process voice, photo, and text you submit through AI-powered features (e.g., walkthrough transcription, document scanning, SOP drafting) — only to generate the specific output you requested.
• To process subscription payments and billing for PM Intelligence via Stripe.
• To respond to feedback, support requests, and account inquiries.
• To send transactional emails (account confirmation, password reset, billing receipts). We do not send marketing emails without your explicit consent.
• To measure how visitors reach our public pages, so we can tell which posts, emails, and campaigns bring people to the Services. This uses the first-party cookies described in Section 7.
• To generate aggregated, anonymized benchmarks and market insights (your individual data is never included in a way that identifies you).

4. How We Store and Protect Your Data

Your data is stored in Supabase, a SOC 2 Type II compliant cloud database hosted on Amazon Web Services. Access to your data is controlled by Row Level Security (RLS) policies — you can only read and write your own records, and no other user can access your data. Both Services are hosted on Vercel.

All data is transmitted over HTTPS. Passwords are hashed and never stored in plain text. We do not store payment card information — subscription payments for PM Intelligence are processed directly by Stripe, a PCI-compliant payment processor.

5. Data Sharing and Disclosure

We do not sell your personal information. We may share your data only in these circumstances:

• Service providers: Supabase (data storage and auth), Google (address lookup), Rentcast (property data), Walk Score (walkability), Anthropic (AI processing for voice, photo, and text features), Stripe (payment processing), Resend (email delivery), Cloudflare (bot protection), Vercel (hosting for the Services), and Bluehost (hosting for our public website). Each provider processes only the data necessary to deliver their service.
• A real estate agent, only at your request: if you ask through our website quiz to be contacted about buying or selling a property, we share your details with Filomena Rauso of CG REALTY LLC, as described in Section 10.
• Legal requirements: If required by law, court order, or to protect the rights and safety of FRB or others.
• Business transfer: In connection with a merger, acquisition, or sale of assets, your data may be transferred. We will notify you before your data is subject to a different privacy policy.

6. Your Rights and Choices

• Access: You can view and edit your profile information at any time in Account Settings.
• Correction: You can update your name, phone, and other account details in Account Settings.
• Deletion: You may request deletion of your account and all associated data by contacting us. We will process deletion requests within 30 days.
• Data portability: Contact us to request an export of your data.
• Password reset: You can change your password at any time in Account Settings.

7. Cookies and Session Storage

Within the Services we use cookies for two purposes. The two analytics cookies described below are first-party — set by us and sent only to our own servers. Our public marketing website also uses Google Analytics, which is described separately below.

• To sign you in. Authentication session management, provided by Supabase Auth. You can disable cookies in your browser settings, but this will prevent you from staying signed in.
• To understand how visitors find us. On our public pages we set two small cookies. One holds a randomly generated identifier, so that a returning browser is counted once rather than as a new visitor every time. The other records which link or campaign first brought you to the site, so we can tell which of our posts and emails are actually reaching people. Neither is derived from anything about you, neither can be read by scripts running on the page, and neither is used to track you across other websites.

We do not use advertising cookies or tracking pixels, and we do not sell or share this information with advertisers. You can clear or block the analytics cookies at any time without affecting your use of the Services — you will simply be counted as a new visitor each time.

Our public marketing website. Separately from the Services, our public website at www.frbrentals.com uses Google Analytics to measure page traffic. Google Analytics sets its own cookies in your browser and sends information about your visit to Google, which acts as a third-party analytics provider. Some pages also embed YouTube videos; if you choose to play one, YouTube sets its own cookies. You can opt out of Google Analytics on every website you visit by installing Google’s browser add-on at tools.google.com/dlpage/gaoptout.

Alongside these cookies we record the page visited, the site you came from, your device type, your browser’s user agent string, and the country and city our hosting provider reports. We retain public page-view records for up to 12 months. If you create an account, we keep a record of which campaign first brought you to us.

8. Children’s Privacy

The Services are not directed to children under 18. We do not knowingly collect personal information from minors. If you believe a minor has created an account, please contact us and we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by email or by a notice within the applicable Service at least 14 days before the change takes effect. Your continued use of the Services after the effective date constitutes acceptance of the updated policy.

10. Our Website Quizzes and Property Management Inquiry

This section covers forms on our public website: the quiz at www.frbrentals.com/quiz, the property management inquiry at www.frbrentals.com/management-inquiry, and our beach quizzes (listed at www.frbrentals.com/quizzes), which are described separately under “Beach quizzes” below. You don’t need an account to use them, and nothing you enter is added to an account in the Services.

What we collect

• Your answers. In the quiz: why you’re visiting, and the follow-up questions for that choice (for example, which beach town, how many people, and whether you’re bringing a dog; where you’re looking to buy; or how many rentals you own and where). In the inquiry: where the property is, whether you own it, its type and size, how it’s used today, your homeowners’ association’s rules, how much you use it yourself, any current management agreement, and what you’re looking for.
• If you continue to the detailed part of the inquiry: the property’s street address and features, its rental income and booking history, your current manager and their terms, bookings already made, how the property is run day to day, and your rental license, lodging tax registration, insurance carrier, and whether there is a mortgage or lender restriction. We do not ask for account or policy numbers.
• Your contact details, where you give them: name, email address, phone number, how you prefer to be contacted, and how you heard about us. The inquiry asks for them at the end of the first part, before the detailed questions. If the inquiry ends earlier because we can’t manage your property, and in the quiz, giving them is optional.
• How you reached the form: the campaign tags on the link you followed (for example, which social media post), the website you came from, the page you started on, and how long the form took. Because this is stored with your answers, your responses are not anonymous.

When we save your answers

We save as you go, not only when you press a final button. We save when you finish the quiz; when an inquiry ends because we can’t manage the property (we keep the property’s location and the reason, so we can see where demand is coming from), even if you leave no contact details; and, if your property qualifies, once before the detailed questions, so we can follow up even if you stop there. In the detailed part, we also save after each section, and if you leave the page partway through a section we save what you’ve entered so far. Later answers in the same visit update the same record.

How we use it

• To show your result and the next step that fits it.
• For a property management inquiry: to decide whether we can manage your property and to prepare a proposal. When an inquiry qualifies, we email our team an alert and add a follow-up task in our own property management software. Only the owners of FRB Rentals can see these.
• To learn which posts and campaigns bring people to us.
• To email you updates about our tools and services, but only if you ask for them (for example, by pressing a "Keep me updated" button that says so). You can unsubscribe at any time by replying to any of those emails or by writing to us at the address in Section 11. Otherwise we contact you only about a request you made.

Buying or selling with Fil

If you ask through the quiz to be contacted about buying or selling a property, we send your name, email address, phone number, the timing, price range and note you entered, and the quiz answers that led you there to Filomena Rauso, REALTOR®, of CG REALTY LLC, 116 W Baltimore Ave, Media, PA, (610) 566-5182. We also add a follow-up task for her. We do this only when you ask her to contact you by sending her the form. Fil is also a co-owner of FRB Rentals. Once she has your details, CG REALTY LLC’s own privacy practices also apply to them.

Beach quizzes

Our beach quizzes (for example, “Which Delaware Beach Sea Creature Are You?”) work differently from the quiz above:

• When you take one, our website records the answers you picked, your result, the campaign tags on the link you followed (for example, which social media post), and whether you came from a result a friend shared. This record is kept in our website’s own database at Bluehost under a random code created for that one run of the quiz. It does not include your name, email address or IP address, and we do not set a cookie for it.
• We use these records to count how many people take and finish each quiz and where they came from, and to show quiz-takers how everyone’s results add up (as percentages only).
• Leaving your email is optional. If you ask us to send you new quizzes, we save your email address and, if you give it, your first name, together with the quiz, your result and the campaign tags, in Supabase (the same table as the quiz above). We also add your email address and first name to our mailing list, which is kept in our website’s database at Bluehost and labeled with the quiz you signed up from, and mark that run of the quiz as signed up, so from then on it can be matched to your email address. We use your email only to send you new beach quizzes and occasional FRB Rentals news, as explained next to the sign-up button: a welcome email with your result right away, then an email when each new quiz is published. We keep a record of which of these emails we sent you. When you sign up, our team also gets a short email alert with your first name, email address, the quiz and your result. Every quiz email has an unsubscribe link; you can also unsubscribe as described above.

Where it’s stored and who can see it

Your answers and contact details are stored in Supabase, described in Section 4, in a table that neither website visitors nor users of the Services can read. Only the owners of FRB Rentals can access it. Alert emails and our quiz emails are sent through Resend. The website itself is hosted by Bluehost.

Spam protection

To stop automated abuse, our website keeps one-way hashes made from your internet (IP) address, on their own and combined with a random code for your visit, to count how many forms are sent from the same connection each hour. These hashes are deleted within 2 days. Your IP address is not stored with your answers.

How long we keep it

We keep your answers and contact details until you ask us to delete them, and we review regularly whether we still need them.

Your choices

• To see, correct, or delete what you sent us through these forms, contact us at the address in Section 11. We will process requests within 30 days.
• To stop update emails, unsubscribe at any time as described above.
• If you asked Fil to contact you, you can also ask her or CG REALTY LLC directly to stop.

11. Contact Us

Questions, requests, or concerns about this Privacy Policy? Contact us at: support@frbrentals.com

FRB Rentals LLC
Delaware, United States