Terms of Service

1. Overview & Acceptance of Terms

By creating an account with Forthwith Industry LLC d/b/a Ruproa (“Ruproa,” “we,” “us”), or by accessing or using our Services and Websites (as defined below), you represent that you have read, understood, and expressly agree to be bound by this Terms of Service Agreement and all terms, conditions, and notices contained or referenced herein (“Agreement”), whether you are a Visitor (someone who simply browses a Website) or a Customer (someone who has created an account, enrolled in a Service, or is accessing or using a Service).

At Customer's election, Customer may, from time to time, request and receive services from Ruproa, whether free or subject to a recurring or one-time fee (each a “Service”). The term “Service” includes, but is not limited to, business credit report monitoring, business credit score monitoring and tracking (including all data contained therein), automatic tradeline reporting, bureau alerts notifying you of changes to your business credit profile, access to the Ruproa financial services marketplace, access to digital content (ebooks, courses, templates), and any other features, products, or tools offered through the Ruproa platform, regardless of delivery method. The term “you” or “User” refers to a Visitor or Customer. The terms “we,” “us,” or “Ruproa” refer to Forthwith Industry LLC, its predecessors in interest, successors and assigns, and any third-party service providers (including cloud providers and credit data providers) used in connection with the Services.

2. Permissible Purpose & Consents

By establishing an account with Ruproa or enrolling in any Service, you authorize Ruproa to access and retrieve business credit information on behalf of your registered business entity from Dun & Bradstreet, Equifax Business, and CreditSafe (collectively, the “Business Credit Bureaus”) on a recurring basis to provide Services while your account is active. You acknowledge that Ruproa does not require a Social Security Number (SSN) to access your business credit profile and that all information retrieved pertains to your business entity, not your personal consumer credit file.

You further understand and agree that, by establishing an account or enrolling for any Service, you authorize Ruproa to use your business information and credit profile to notify you of financing opportunities, credit-building tools, and other products or services that may be available through Ruproa or unaffiliated third parties. You understand that Ruproa may receive compensation for the marketing of such opportunities, and that this compensation may affect how or where such offers appear on the platform.

Ruproa's Services are designed for business entities only. All credit monitoring, score reporting, and tradeline-related features apply exclusively to your registered business credit profile. Ruproa does not provide consumer credit reports or scores governed by the Fair Credit Reporting Act (FCRA) and is not a consumer reporting agency.

3. Amendments

This Agreement may be updated from time to time. Customers should review this page regularly for updates. Each time you order, access, or use any Service or Website, you signify your acceptance of the then-current Agreement without limitation or qualification. We will endeavor to notify registered Customers of material changes by email or in-platform notification.

4. Description of Services

Ruproa is a business financial platform designed to help early-stage and growing business owners build, monitor, and leverage their business credit profiles. The platform currently offers the following core features:

• Business credit score monitoring across the major business credit bureaus on our network: Dun & Bradstreet, Equifax Business, and CreditSafe
• Automatic tradeline reporting to the Business Credit Bureaus on our network
• Monthly score updates and bureau alerts
• Access to the Ruproa financial services marketplace connecting businesses with third-party lenders, credit providers, and financial service partners
• A digital content library including ebooks, courses, and document templates

Ruproa will identify Services provided at no charge. Certain subscription tiers (Starter, Professional, Enterprise) require a fee at the time of purchase or renewal. By purchasing a paid Service and providing payment information, you represent that you are authorized to use the payment method presented and agree to pay all specified fees, including recurring charges processed through Stripe.

You acknowledge and agree that Ruproa has not and does not provide legal, tax, financial, or investment advice, and that its Services and Websites are not designed or intended to provide any such advice. Third-party offers displayed within the platform are from companies from which Ruproa may receive compensation. Ruproa does not guarantee approval of any offer or loan made available by a third party.

5. Subscriptions, Billing & Refund Policy

Subscription Tiers

Ruproa offers the following monthly subscription tiers, subject to change with notice:

• Starter — monthly or annual subscription
• Professional — monthly or annual subscription
• Enterprise — monthly or annual subscription

Current pricing for each tier is displayed at ruproa.com/pricing and may be updated from time to time. Continued use of the Service after a price change constitutes your acceptance of the new pricing.

Billing Authorization

By providing a payment method, you authorize Ruproa (through its payment processor, Stripe) to charge your payment method on a recurring basis for your selected plan — monthly on your billing date or annually on your renewal date, as applicable. In the event of a failed payment, you authorize Ruproa to retry the charge using the same or alternative payment methods on file. You are responsible for keeping your payment information current and ensuring sufficient funds are available.

Plan Changes

You may upgrade or downgrade your subscription at any time through your account settings at ruproa.com/billing. Plan changes take effect at the start of your next billing cycle. No proration is applied for mid-cycle changes.

Cancellation

You may cancel your subscription at any time through your account settings at ruproa.com/billing or by contacting support at service@ruproa.com. Upon cancellation, your account will remain active through the end of the current paid billing period, after which access will be downgraded or terminated. Cancellation does not entitle you to a refund except as expressly provided below.

Refund Policy

Example: If you cancel your annual subscription on the 5th of month 4, months 1–4 are non-refundable. You may receive a pro-rated refund for months 5–12 (8 remaining complete months), subject to Ruproa's review and approval.

Ruproa reserves the right to deny refund requests if, in its sole discretion, there is evidence of abuse of the refund policy, fraudulent activity, or violation of this Agreement.

6. Use of Services

In consideration of your use of the Services, you agree to provide true, accurate, complete, and current information about yourself and any business entity you enroll in a Service. By registering, you certify that you are at least eighteen (18) years of age and that you are authorized to act on behalf of any business entity you register. Ruproa's Services are for business use only and may not be used to monitor the credit of businesses you do not own or are not authorized to represent.

If any information you provide is untrue, fraudulent, inaccurate, or not current, or if Ruproa has reasonable grounds to suspect misuse, Ruproa at its sole discretion may suspend or terminate your access to any Service and refuse all current or future use of the platform.

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable federal, state, or local law
• Attempt to gain unauthorized access to any portion of the Services or Ruproa's infrastructure
• Reproduce, distribute, or commercially exploit any content from the platform without written consent from Ruproa
• Use automated tools (bots, scrapers, crawlers) to access the platform without prior written authorization
• Impersonate any person or entity or misrepresent your affiliation with any business

Ruproa will not be liable to you or any third party if it suspends or terminates your access to any Service for any reason. In the event of termination for reasons other than fraud or material breach, Ruproa will allow access to retrieve your records for five (5) business days prior to account closure.

Organizational Accounts

Ruproa may allow certain Users (“Organization Owners”) to create and manage organizational accounts to which multiple user profiles may be associated. Organization Owners may invite other users, designate Admins, and transfer ownership within their organization. Ownership transfer does not result in sharing of personal data from the previous owner. Admins may view and manage organization data and settings but cannot transfer ownership or delete the organization account. Ruproa reserves the right to verify ownership before implementing any transfer.

7. Modification of Services

Ruproa may, at its discretion, modify, suspend, or discontinue any Service or feature, or any portion thereof, with or without notice. You agree that Ruproa will not be liable to you or any third party for any modification, suspension, or discontinuance of any Service.

8. Intellectual Property

All content, trademarks, service marks, logos, and materials available through the Ruproa platform, including but not limited to text, graphics, software, course materials, ebooks, templates, and score displays, are the property of Forthwith Industry LLC or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Services for your own internal business purposes only. You may not reproduce, redistribute, publish, reverse engineer, decompile, or create derivative works from any Ruproa content without prior written permission.

9. Disclaimers & Limitation of Liability

THE SERVICES AND ALL CONTENT, INFORMATION, AND MATERIALS PROVIDED THROUGH THE PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS 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. RUPROA DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

RUPROA DOES NOT GUARANTEE THAT USE OF THE PLATFORM WILL RESULT IN IMPROVED BUSINESS CREDIT SCORES, APPROVAL FOR FINANCING, OR ANY SPECIFIC BUSINESS OUTCOME. CREDIT BUILDING RESULTS VARY AND DEPEND ON MULTIPLE FACTORS OUTSIDE RUPROA'S CONTROL.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL RUPROA, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF RUPROA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. RUPROA'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO RUPROA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Dispute Resolution by Binding Arbitration

Most concerns can be resolved quickly by contacting Ruproa support at service@ruproa.com. In the unlikely event that a dispute cannot be resolved informally, you and Ruproa each agree to resolve disputes through binding arbitration or small claims court, rather than in courts of general jurisdiction, to the fullest extent permitted by law.

Arbitration Agreement

Ruproa and you agree to arbitrate all disputes and claims between us, except for disputes or claims which under governing law are not subject to arbitration. This includes claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and claims that arose before or may arise after the termination of this Agreement.

You and Ruproa agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. You and Ruproa each waive the right to a trial by jury and the right to participate in a class action.

Arbitration Process

A party seeking arbitration must first send a written Notice of Dispute by certified mail to: Forthwith Industry LLC d/b/a Ruproa, ATTN: Legal, St. Petersburg, FL 33701. The Notice must describe the nature of the claim and the relief sought. If the parties do not resolve the dispute within thirty (30) days, either party may commence arbitration. Arbitration will be conducted under the Commercial Dispute Resolution Procedures of the American Arbitration Association (AAA), as modified by this Agreement. Information about the AAA is available at www.adr.org or 1-800-778-7879.

The arbitrator shall be bound by the terms of this Agreement. Unless agreed otherwise, arbitration hearings will take place in Pinellas County, Florida, or by telephonic/video hearing for claims of $10,000 or less. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision, which shall survive termination of this Agreement.

11. Territorial Restrictions

The Services are intended for use by U.S.-based business entities only. Ruproa makes no representation that the Services are appropriate for access or use in other jurisdictions. Ruproa reserves the right to limit the availability of Services to any person, geographic area, or jurisdiction at any time in its sole discretion.

12. Security Measures & Authentication

Ruproa implements reasonable security measures to protect your account and business information. Access to password-protected and secure areas of the platform is restricted to authorized users only. Unauthorized access attempts may be subject to prosecution under applicable federal and state computer fraud laws.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to notify Ruproa immediately at service@ruproa.com if you suspect any unauthorized access to your account.

13. Electronic Notice & Communications

By providing Ruproa with your email address, you consent to receive communications from Ruproa electronically, including billing notices, score updates, bureau alerts, product announcements, and other account-related communications. You agree that all notices, disclosures, and communications sent electronically satisfy any legal requirement that such communications be in writing.

You are responsible for keeping your email address current in your account settings. If Ruproa is unable to deliver notices due to an outdated or invalid email address, you nonetheless remain bound by those notices once posted to the platform or sent to the address on file.

You may withdraw your consent to electronic communications by contacting service@ruproa.com. Withdrawal of consent will not affect the validity of prior communications.

SMS / Text Message Communications

By opting in to SMS notifications, you consent to receive recurring text messages from Ruproa regarding your account, score alerts, and platform updates. Message and data rates may apply. Reply STOP at any time to opt out. Reply HELP for assistance. Mobile information gathered through SMS opt-in will not be shared or sold to third parties for promotional purposes.

14. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. To the extent that any dispute is not subject to arbitration under Section 10, the parties consent to the exclusive jurisdiction of the state and federal courts located in Pinellas County, Florida.

15. Miscellaneous

Entire Agreement. This Agreement, together with the Privacy Policy and any additional terms applicable to specific Services, constitutes the entire agreement between you and Ruproa with respect to the subject matter hereof and supersedes all prior or contemporaneous communications and understandings.

Severability. If any provision of this Agreement is found to be unlawful, void, or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver. Ruproa's failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision.

Assignment. Ruproa may assign this Agreement, in whole or in part, without restriction. You may not assign your rights or obligations under this Agreement without Ruproa's prior written consent.

Contact. Questions about this Agreement may be directed to service@ruproa.com or in writing to Forthwith Industry LLC d/b/a Ruproa, St. Petersburg, FL 33701.

© 2026 Forthwith Industry LLC d/b/a Ruproa. All rights reserved.