Consumer Data Sharing Agreement

This Consumer Data Sharing Agreement ("Agreement") is entered into between:

Rentaba, Inc. ("Rentaba"), a Delaware Corporation, with its principal place of business at 3675 Market Street, Suite 200, Philadelphia, PA 19104, and

You, the individual consumer ("Consumer"), who is electronically signing or otherwise assenting to this Agreement.

WHEREAS, Rentaba provides a service to collect and verify certain consumer data, primarily related to rental payment history and other tenancy-related information;

WHEREAS, the Consumer desires to permit Rentaba to furnish this permissioned data to credit reporting agencies, including Experian, Equifax, and TransUnion, for the purpose of potentially impacting the Consumer's credit report and score;

NOW, THEREFORE, in consideration of the mutual covenants and agreements contained herein, the parties agree as follows:

This Agreement grants Rentaba your express authorization and consent to transmit specific permissioned data, as defined below, to credit reporting agencies (collectively, "CRAs"), including but not limited to TransUnion, Experian, and Equifax, for the purpose of credit reporting, credit scoring, and other related services offered by CRAs. This data may be used by CRAs to create or update your consumer report.

The "Permissioned Data" covered by this Agreement includes, but is not limited to:

a. Personal Identifying Information (PII): Your full legal name, current and previous addresses, date of birth, Social Security Number (SSN), and other identifiers necessary for accurate reporting.

b. Rental Account Information: Landlord's name and contact information, property address(es), lease start and end dates.

c. Payment History: Detailed records of your rent payments, including payment amounts, payment dates, and any instances of late payments, missed payments, or lease violations as reported by your landlord or property manager to Rentaba.

d. Account Status: Current status of your rental account (e.g., active, closed, satisfied).

e. Other Tenancy-Related Information: Any other data points directly related to your tenancy that Rentaba collects with your explicit consent or that are necessary for accurate and complete credit reporting, consistent with applicable law.

By accepting this Agreement, you, the Consumer, explicitly and unequivocally:

a. Authorize Rentaba to collect, verify, maintain, and transmit the Permissioned Data, as described in Section 2, to CRAs.

b. Certify that you have the legal right and authority to provide the Permissioned Data to Rentaba and that all information provided is true, accurate, and complete to the best of your knowledge.

c. Understand and Agree that the Permissioned Data, once furnished to CRAs, will become part of your consumer report and may be accessed by authorized third parties (e.g., lenders, landlords, employers) in accordance with the Fair Credit Reporting Act (FCRA) and other applicable laws.

d. Acknowledge that Rentaba is providing a service to report your data and is not responsible for the ultimate impact this data may have on your credit score or creditworthiness, which is determined by the CRAs and their proprietary algorithms.

You understand and agree that CRAs may use the Permissioned Data furnished by Rentaba for purposes including, but not limited to:

a. Compiling and updating consumer credit reports.

b. Generating credit scores and other risk assessment tools.

c. Verifying your identity.

d. Assisting third parties (e.g., landlords, lenders, employers, insurers) in making credit, rental, employment, or other business decisions about you, in compliance with applicable law.

e. Internal data analysis, modeling, and product development by CRAs, in an anonymized or aggregated format where permissible.

a. Consumer's Responsibility: You are responsible for ensuring the accuracy of the information you provide to Rentaba. Please review all information carefully.

b. Disputes with Rentaba: If you believe any Permissioned Data reported by Rentaba is inaccurate or incomplete, you must notify Rentaba in writing at dispute@rentaba.co. Rentaba will investigate your dispute promptly and correct any inaccurate information within its control.

c. Disputes with CRAs: For disputes regarding information appearing on your credit report that originated from Rentaba, you should follow the dispute procedures established by the respective CRA. Rentaba will cooperate with CRA investigations as required by law.

You may revoke your consent to Rentaba furnishing your Permissioned Data at any time by providing written notice to Rentaba at support@rentaba.co. Upon receipt of your revocation request, Rentaba will cease furnishing your data to CRAs within a commercially reasonable timeframe, subject to any existing reporting obligations or legal requirements. Please note that revocation of consent will not remove data already reported to CRAs, but it will prevent future reporting.

Rentaba shall not be liable for any damages, losses, or costs arising from:

a. The accuracy or completeness of data provided by the Consumer.

b. The actions or omissions of any CRA, including their use, storage, or dissemination of the Permissioned Data.

c. Any impact on the Consumer's credit report or score resulting from the reporting of Permissioned Data.

d. Any unauthorized access to or disclosure of Permissioned Data, unless such access or disclosure is due to Rentaba's gross negligence or willful misconduct.

You agree to indemnify, defend, and hold harmless Rentaba, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that arise from or relate to your breach of this Agreement or your provision of inaccurate or incomplete information to Rentaba.