FLIPPER STUD TERMS OF USE

Effective Date: October 1, 2026

These Terms of Use ("Terms") are a legally binding agreement between you ("User," "you," or "your") and Flipper Stud LLC ("Flipper Stud," "Company," "we," "us," or "our") governing your access to and use of the Flipper Stud website, software application, mobile application, services, tools, calculators, dashboards, reports, integrations, and related features (collectively, the "Platform").

By creating an account, clicking "Agree," purchasing a subscription, or accessing or using the Platform, you agree to these Terms.

1. Purpose of the Platform

Flipper Stud is a software platform intended to assist real estate investors, operators, contractors, and other users with organizing information, modeling potential transactions, tracking projects, performing calculations, creating reports, and managing real estate-related business activities.

The Platform is a software, calculation, organizational, and visualization tool only.

Flipper Stud does not make investment or business decisions on behalf of users.

2. No Financial, Investment, Legal, Tax, Real Estate, or Professional Advice

Flipper Stud LLC is not acting as your:

• financial advisor;
• investment advisor;
• accountant or CPA;
• attorney;
• tax advisor;
• real estate broker or salesperson;
• property appraiser;
• lender or mortgage professional;
• contractor, engineer, or architect;
• insurance professional; or
• other licensed professional.

Nothing available through the Platform constitutes financial, investment, legal, tax, accounting, lending, appraisal, construction, real estate, or other professional advice.

Use of the Platform does not create a fiduciary, advisory, agency, partnership, joint venture, employment, broker-client, attorney-client, accountant-client, or similar professional relationship between you and Flipper Stud LLC.

You should consult appropriately licensed and qualified professionals before making material financial, legal, investment, real estate, construction, tax, lending, or business decisions.

3. Calculations, Estimates, and Projections

The Platform may calculate, display, or assist users in estimating information including, without limitation:

purchase prices, rehabilitation budgets, construction costs, after-repair values, comparable sales, financing costs, loan payments, interest, closing costs, holding costs, cash requirements, profits, margins, return on investment, cash-on-cash returns, rental income, operating expenses, capitalization rates, cash flow, wholesale fees, project budgets, draws, taxes, insurance, commissions, and other financial information.

All such calculations and outputs are estimates only.

Flipper Stud does not warrant or guarantee that calculations, formulas, assumptions, estimates, projections, or results generated by the Platform are accurate, complete, current, or suitable for a particular transaction.

Software errors, bugs, rounding differences, incorrect formulas, third-party errors, user-input errors, synchronization errors, incomplete information, and other inaccuracies may occur.

Users are responsible for independently verifying all material calculations and information before relying upon them.

4. User Inputs and Assumptions

Many Platform results depend upon information and assumptions entered by users.

You are responsible for the accuracy and completeness of information entered into your account.

Flipper Stud has no obligation to independently verify:

• property information;
• comparable sales;
• purchase prices;
• estimated ARV;
• construction or rehabilitation budgets;
• financing terms;
• interest rates;
• rents;
• operating expenses;
• taxes;
• insurance;
• closing costs;
• commissions;
• project timelines;
• accounting information; or
• any other user-provided information.

Incorrect inputs may produce incorrect outputs.

5. Independent Decision Making and Assumption of Risk

All investment, property, financing, construction, lending, purchasing, selling, and business decisions made by you are made independently by you.

Information displayed through Flipper Stud does not constitute approval, endorsement, recommendation, certification, or verification of any transaction.

Real estate investment, construction, financing, and business activities involve substantial financial risk, including the possibility of losing some or all invested capital.

You accept responsibility for evaluating those risks before proceeding with a transaction.

6. Third-Party Information and Integrations

The Platform may incorporate or connect with information or services provided by third parties, including accounting systems, financial institutions, property-data providers, mapping providers, payment processors, APIs, artificial-intelligence services, or other software providers.

Flipper Stud does not control and cannot guarantee the accuracy, completeness, availability, security, or reliability of third-party information or services.

Flipper Stud is not responsible for errors caused by third-party data, integrations, APIs, outages, modifications, or service interruptions.

7. Intellectual Property Ownership

The Platform and all related intellectual property are owned by Flipper Stud LLC or its licensors.

This includes, without limitation:

software; source and object code; algorithms; formulas; proprietary calculation methods; database structures; workflows; processes; designs; layouts; user interfaces; dashboards; graphics; reports; documentation; business methods; proprietary methodologies; product architecture; features; branding; trademarks; trade names; logos; nonpublic product information; and improvements or derivative works.

Except for the limited right to use the Platform under these Terms, no intellectual-property rights are transferred to you.

8. Prohibited Copying, Reverse Engineering, and Competitive Use

You may not, directly or indirectly:

1. copy, clone, reproduce, duplicate, or substantially imitate the Platform or proprietary portions of the Platform;

1. reverse engineer, decompile, disassemble, decode, translate, or attempt to discover the source code, algorithms, formulas, architecture, or proprietary logic of the Platform;

1. access or use the Platform for the primary purpose of designing, developing, benchmarking, improving, or supporting a competing software product or service;

1. systematically photograph, screenshot, record, scrape, crawl, download, extract, or reproduce substantial portions of the Platform for competitive or unauthorized commercial purposes;

1. circumvent security measures, usage restrictions, access controls, or technical protections;

1. permit unauthorized individuals to access your account;

1. remove copyright, trademark, proprietary, confidentiality, or other notices;

1. sell, sublicense, rent, lease, redistribute, white-label, or commercially exploit access to the Platform except with Flipper Stud's written permission; or

1. use Flipper Stud's confidential or proprietary information to create a substantially similar competing product.

Nothing in this section prohibits lawful independent development that does not involve unauthorized use of Flipper Stud's confidential information, intellectual property, trade secrets, or Platform access.

9. Confidentiality

During your use of Flipper Stud, you may receive access to information that is not publicly available, including beta functionality, future features, product roadmaps, proprietary workflows, calculations, methodologies, internal documentation, pricing tests, prototypes, business plans, technical information, or other information reasonably understood to be confidential ("Confidential Information").

You agree to:

• maintain Confidential Information in confidence;
• use it only in connection with your authorized use of Flipper Stud;
• not disclose it to unauthorized third parties; and
• take reasonable measures to prevent unauthorized access or disclosure.

10. Accounts, Free Access, and Trials

You must provide accurate registration information and keep credentials secure. You are responsible for activity under your account.

Flipper Stud may offer limited free access, free trials, paid subscriptions, or other plans. Trial or free access may convert, expire, or change according to the plan terms presented at signup or checkout. Failure to cancel before a paid period begins may result in charges.

11. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLIPPER STUD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLIPPER STUD LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, ARISING FROM YOUR USE OF THE PLATFORM.

FLIPPER STUD'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE AMOUNTS YOU PAID TO FLIPPER STUD FOR THE PLATFORM IN THE TWELVE (12) MONTHS BEFORE THE CLAIM.

13. Indemnification

You agree to indemnify and hold harmless Flipper Stud LLC from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Platform, your content, or your violation of these Terms.

14. Termination

We may suspend or terminate access for violation of these Terms, nonpayment, abuse, or risk to the Platform or other users. You may stop using the Platform at any time. Provisions that by nature should survive termination will survive.

15. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. Exclusive venue for disputes lies in the state or federal courts located in Ohio, unless applicable law requires otherwise.

16. Changes

We may update these Terms from time to time. Continued use after changes become effective constitutes acceptance of the updated Terms. Material changes will be posted with an updated effective date.

17. Contact

Questions about these Terms: support@flipperstud.com or Flipper Stud LLC at the contact address published on flipperstud.com.