Terms of Service

Effective Date: March 20, 2026
Last Updated: March 20, 2026

These Terms of Service (“Terms”) govern your access to and use of Ripluo, including the website at ripluo.com, the application at app.ripluo.com, and all related services, features, and content (collectively, the “Service”). The Service is operated by Ripluo LLC (“Ripluo,” “we,” “our,” or “us”).

By creating an account, accessing, or using the Service, you (“User,” “you,” or “your”) agree to be bound by these Terms. If you do not agree, do not use the Service.

These Terms apply to both the ripluo.com marketing website and the app.ripluo.com application.

1. Description of Service

Ripluo is an event planning and customer relationship management (CRM) software platform. The Service provides tools including but not limited to: event timelines, budget tracking, task management, guest list management, vendor management, AI-assisted planning (Buildr AI), proposals, contracts, e-signatures, invoicing, payment collection, and team collaboration features.

Ripluo is a tool to assist you in planning and managing events and your event business. The Service does not constitute professional event planning, legal, financial, tax, or other professional advice. You are solely responsible for the planning, execution, and outcomes of your events and business decisions.

2. Account Registration and Security

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Notifying us immediately at support@ripluo.com if you suspect unauthorized access

You must be at least 18 years old to create an account. By creating an account, you represent that you are at least 18 years of age.

Each account is associated with an organization. The account creator is the organization owner. Additional users may be invited as team members or event planners, subject to the limits of your subscription plan.

3. Subscription Plans and Pricing

Ripluo offers the following subscription tiers:

• Free:$0/month — Up to 5 active events, 1 account user, core planning tools
• Plus:$15.99/month (or $153.50/year) — Up to 15 active events, 10 account users, email notifications, custom templates, priority support
• Pro:$49.99/month (or $479.90/year) — Up to 50 active events, 25 account users, full CRM suite including proposals, contracts, e-signatures, invoicing, and payment collection
• Enterprise:$89.99/month — Custom limits, dedicated account manager, API access. Requires contacting sales.

Pricing is subject to change. We will provide at least 30 days' notice before any price increase takes effect on your existing subscription. Price changes do not apply retroactively to the current billing period.

4. Billing, Renewal, and Payment

Billing Cycle: Subscriptions are billed monthly or annually, depending on your selection at the time of purchase. Billing begins on the date you subscribe to a paid plan.

Auto-Renewal: Paid subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. You authorize us to charge your payment method on file for each renewal period.

Failed Payments: If a payment fails, we may retry the charge and/or notify you to update your payment method. If payment is not resolved within 14 days, we reserve the right to downgrade your account to the Free plan.

Payment Processing:Payments are processed through Stripe. Ripluo does not store your full credit card information. Payment processing is subject to Stripe's terms of service and privacy policy.

Platform Transaction Fee:When you collect payments from your clients through Ripluo's invoicing feature, a platform fee of approximately 3.4% + $0.30 per transaction, which includes Stripe's standard processing fee (2.9% + $0.30) and Ripluo's platform fee (0.5%). You may choose to pass processing fees to your clients using the fee passthrough option.

5. Cancellation and Refunds

Cancellation: You may cancel your subscription at any time through your account settings or by contacting support@ripluo.com. Upon cancellation:

• Your subscription remains active through the end of your current billing period
• Your account will be downgraded to the Free plan at the end of the billing period
• You will retain access to your data, subject to Free plan feature limitations

Refunds: Ripluo does not provide prorated refunds for unused portions of a billing period. If you cancel mid-cycle, you will continue to have access to your paid plan features until the end of that billing period.

Annual Subscriptions: Annual subscriptions are non-refundable after 14 days from the date of purchase. Within the first 14 days, you may request a full refund by contacting support@ripluo.com.

Exceptions: Refund requests due to service outages, billing errors, or other extraordinary circumstances will be reviewed on a case-by-case basis.

6. Acceptable Use

You agree not to use the Service to:

• Violate any applicable local, state, national, or international law or regulation
• Upload, transmit, or store any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
• Impersonate any person or entity, or falsely state or misrepresent your affiliation
• Interfere with or disrupt the Service, servers, or networks connected to the Service
• Attempt to gain unauthorized access to any portion of the Service or any other systems or networks
• Use the Service to send unsolicited commercial communications (spam) to your contacts or event attendees
• Use automated scripts, bots, or scrapers to access the Service without our written permission
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service
• Use the Service to collect or harvest personal information of others without their consent
• Resell, sublicense, or redistribute access to the Service without our written permission

We reserve the right to investigate and take appropriate action against anyone who violates this section, including removing content and suspending or terminating accounts.

7. Account Suspension and Termination

By You: You may delete your account at any time by contacting support@ripluo.com. Upon account deletion, we will remove your data in accordance with our Privacy Policy. Data deletion is permanent and cannot be undone.

By Ripluo: We may suspend or terminate your account if:

• You violate these Terms or our Acceptable Use provisions
• Your account is used for fraudulent or illegal activity
• You fail to pay subscription fees after the grace period described in Section 4
• We are required to do so by law

If we terminate your account for cause, we will provide notice at the email address associated with your account, except where immediate termination is necessary to prevent harm to the Service or other users.

If we terminate your account without cause, we will provide 30 days' notice and a prorated refund of any prepaid subscription fees.

8. Intellectual Property

Ripluo's IP: The Service, including all software, designs, graphics, logos, text, and documentation, is the property of Ripluo LLC and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose, subject to these Terms.

Your Content:You retain ownership of all data, content, and materials you upload or create within the Service (“User Content”). By using the Service, you grant Ripluo a limited, non-exclusive, royalty-free license to process, store, and display your User Content solely for the purpose of providing and improving the Service.

Consent to Use for Marketing:By submitting a testimonial, review, case study, or other endorsement to Ripluo — whether through email, in-app feedback, social media, or any other channel — you grant Ripluo a non-exclusive, royalty-free, perpetual license to use, reproduce, and display that content for marketing and promotional purposes, including on our website, social media, and advertising materials. We will not use your User Content (event data, client data, financial data) for marketing purposes without your explicit written consent.

9. Data Ownership and Portability

You own your User Content. Ripluo does not claim ownership of your event data, client information, financial records, or any other content you create within the Service.

Data Export:You may export your data at any time through the Service's export features (PDF export, data download). If you need assistance exporting data in a specific format, contact support@ripluo.com.

Service Discontinuation:If Ripluo discontinues any material feature of the Service, we will provide at least 60 days' notice and make reasonable efforts to allow you to export your data before the feature is removed. If Ripluo ceases operations entirely, we will provide at least 90 days' notice and maintain data export functionality during that period.

10. Limitation of Liability

Event Outcomes: Ripluo provides tools for event planning but does not guarantee the success, accuracy, or completeness of any plans created using the Service. You are solely responsible for the planning, execution, and outcomes of your events. Ripluo shall not be liable for any errors, inaccuracies, or omissions in event plans, any failure of an event to meet intended goals, any financial loss or reputational harm arising from an event, or any incidents, injuries, or damages occurring at an event.

Service Liability Cap: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RIPLUO'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO RIPLUO IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Exclusion of Damages: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RIPLUO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS, OR GOODWILL, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER RIPLUO WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Exceptions: Nothing in these Terms excludes or limits liability for fraud, gross negligence, willful misconduct, or any liability that cannot be excluded by applicable law.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. RIPLUO MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

Ripluo does not guarantee any specific level of uptime or availability. We will make commercially reasonable efforts to maintain the Service but may experience downtime for maintenance, updates, or unforeseen issues.

12. Dispute Resolution

Informal Resolution: Before filing any formal dispute, you agree to contact Ripluo at support@ripluo.com and attempt to resolve the dispute informally for at least 30 days.

Governing Law: These Terms are governed by the laws of the State of Florida, United States, without regard to conflict of law principles.

Jurisdiction: Any disputes not resolved informally shall be resolved exclusively in the state or federal courts located in Duval County, Florida. You consent to the personal jurisdiction of these courts.

Class Action Waiver: YOU AND RIPLUO AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST RIPLUO.

13. Indemnification

You agree to indemnify, defend, and hold harmless Ripluo, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorney's fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Events planned or managed using the Service
• Your User Content

14. Modifications to Terms

We may update these Terms from time to time. When we make material changes:

• We will update the “Last Updated” date at the top of this page
• We will notify you by email at least 15 days before the changes take effect
• We will provide a summary of the changes in the notification

Continued use of the Service after changes take effect constitutes acceptance. If you do not agree with the updated Terms, you must stop using the Service and may cancel your subscription.

15. Miscellaneous

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ripluo regarding the Service.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Waiver: Failure to enforce any provision of these Terms does not constitute a waiver of that provision.

Assignment: You may not assign your rights under these Terms without our written consent. Ripluo may assign its rights and obligations without restriction.

16. Contact Information

For questions about these Terms, contact us at:

Ripluo LLC
Email: support@ripluo.com
Website: ripluo.com

Privacy Policy

Effective Date: March 20, 2026
Last Updated: March 20, 2026

Ripluo LLC (“Ripluo,” “we,” “our,” or “us”) operates the website ripluo.com and the application at app.ripluo.com (collectively, the “Service”). This Privacy Policy explains how we collect, use, share, and protect your personal information when you use the Service.

By using the Service, you agree to the practices described in this Privacy Policy. If you do not agree, do not use the Service.

1. Information We Collect

1.1 Information You Provide

• Account Information: Name, email address, password (stored as a hash, not in plain text), organization name
• Billing Information: Payment method details are collected and processed by Stripe. Ripluo does not store full credit card numbers.
• Profile Information: Phone number, profile photo, job title (if provided)
• Event Data: Event names, dates, venues, timelines, budgets, task lists, notes, and documents you create within the Service
• Client and Attendee Data: Names, email addresses, phone numbers, RSVP responses, dietary needs, and other information about your event guests, clients, sponsors, and vendors that you enter into the Service
• Communications:Messages sent through the Service's messaging feature, emails sent through the Service's email features, and any correspondence with our support team
• User-Generated Content: Proposals, contracts, invoices, and other documents you create using the Service
• AI Interactions: Prompts and content you provide to the Buildr AI assistant, and the responses generated

1.2 Information Collected Automatically

• Device and Browser Information: IP address, browser type and version, operating system, device type
• Usage Data: Pages visited, features used, time spent in the Service, clickstream data
• Log Data: Server logs including access times, referring URLs, and error reports
• Cookies and Tracking Technologies: See Section 5 for details

1.3 Information from Third-Party Sources

• Google OAuth: If you sign in with Google, we receive your name, email address, and profile photo from Google
• Facebook Ads Lead Forms: If you submit a lead form through our Facebook advertising, we receive the information you provide in that form
• Google Ads: Conversion data from Google Ads campaigns

2. How We Use Your Information

We use your information to:

• Provide the Service: Create and manage your account, process events, enable collaboration features, and deliver the core functionality of the platform
• Process Payments: Manage subscriptions, process invoices, and facilitate payment collection through Stripe
• AI Features: Process your inputs through the Buildr AI assistant to generate timelines, budgets, checklists, and other planning content. AI-generated content is based on your inputs and is not stored by our AI provider beyond the processing session.
• Communications: Send transactional emails (account verification, password resets, contract signature requests, invoice notifications), and with your consent, marketing and product update emails
• Marketing List Sync: When you create an account, your email address, first name, and subscription tier are synced to our email marketing platform (Kit.com) for onboarding and product communications. You may unsubscribe from marketing emails at any time.
• Analytics and Improvement: Monitor usage patterns, identify bugs, and improve the Service
• Security: Detect and prevent fraud, abuse, and security incidents
• Legal Compliance: Comply with applicable laws, regulations, and legal processes

3. How We Share Your Information

We do not sell your personal information to third parties.

We share your information with the following categories of service providers, who process data on our behalf:

We may also share information:

• To comply with law: When required by law, regulation, or legal process
• To protect rights: When necessary to protect the rights, property, or safety of Ripluo, our users, or the public
• Business transfers: In connection with a merger, acquisition, or sale of assets. In such an event, we will notify you before your information is transferred and becomes subject to a different privacy policy.

4. Data Processing on Behalf of Users

When you use Ripluo to manage event attendees, clients, vendors, and sponsors, you are the data controller for that information, and Ripluo acts as a data processor on your behalf.

Your Responsibilities as Data Controller:

• You are responsible for ensuring you have the necessary consent or legal basis to collect and process your clients' and attendees' personal information through the Service
• You are responsible for responding to data subject requests from your clients and attendees
• You must not use the Service to collect or process sensitive personal information (health data, financial account numbers, government IDs) unless you have appropriate consent and legal basis

Ripluo's Responsibilities as Data Processor:

• We process your clients' and attendees' data only as necessary to provide the Service
• We do not use your clients' or attendees' data for our own marketing purposes
• We implement appropriate technical and organizational security measures
• We will assist you in responding to data subject requests upon your written request

5. Cookies and Tracking Technologies

5.1 What We Use

5.2 Cookie Consent

On our marketing site (ripluo.com), we display a cookie consent banner that allows you to accept or decline non-essential cookies before they are set.

Essential cookies (authentication, preferences) are required for the Service to function and cannot be disabled.

Analytics and advertising cookies are only set with your consent. You may manage your preferences:

• Through the cookie consent banner on ripluo.com
• Through your browser settings
• By contacting us at support@ripluo.com

5.3 Do Not Track

We do not currently respond to “Do Not Track” browser signals, as there is no industry-standard protocol for compliance.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

All Users:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Data Export:Export your event data through the Service's built-in export features
• Marketing Opt-Out: Unsubscribe from marketing emails at any time using the link in any marketing email, or by contacting us
• Account Deletion: Request deletion of your entire account and associated data

California Residents (CCPA/CPRA):

• Right to Know: You have the right to request the categories and specific pieces of personal information we have collected about you
• Right to Delete: You have the right to request deletion of your personal information
• Right to Opt-Out of Sale:We do not sell your personal information. If this changes, we will provide a “Do Not Sell My Personal Information” link
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights
• Authorized Agent: You may designate an authorized agent to make requests on your behalf

EU/EEA Residents (GDPR):

• Right to Erasure: Request deletion of your data
• Right to Restriction: Request restriction of processing
• Right to Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent for processing at any time
• Right to Lodge a Complaint: File a complaint with your local data protection authority

To Exercise Your Rights: Contact us at support@ripluo.com. We will respond to verified requests within 30 days. We may request additional information to verify your identity before processing your request.

7. Data Retention

• Active Accounts: We retain your data for as long as your account is active and as needed to provide the Service
• Deleted Accounts: Upon account deletion, we will delete or anonymize your personal data within 30 days, except where retention is required by law (e.g., billing records may be retained for up to 7 years for tax compliance)
• Event Attendee Data: Data about your event attendees is retained as long as your account is active. Upon account deletion, attendee data is deleted along with your account data
• Backups: Backup copies of data may persist for up to 30 days after deletion before being purged from backup systems
• Analytics Data: Aggregated, anonymized analytics data may be retained indefinitely as it cannot be used to identify individuals

8. Data Security

We implement technical and organizational measures to protect your data, including:

• Encryption of data in transit (TLS/HTTPS)
• Encryption of data at rest in our database
• Password hashing using bcrypt
• JWT-based authentication with 7-day token expiration
• Rate limiting and input sanitization to prevent abuse
• Role-based access controls within organizations
• Secure payment processing through Stripe (PCI-DSS compliant)
• Google Cloud Storage with signed URLs for file access

No system is completely secure. While we use commercially reasonable measures to protect your data, we cannot guarantee absolute security against unauthorized access or breaches. If we become aware of a security breach affecting your personal information, we will notify you and any applicable regulators as required by law.

9. International Data Transfers

Ripluo is based in the United States. If you access the Service from outside the United States, your information will be transferred to and processed in the United States, where data protection laws may differ from those in your jurisdiction.

By using the Service, you consent to the transfer of your information to the United States. We rely on standard contractual clauses and other lawful transfer mechanisms where required for transfers from the EU/EEA.

10. Children's Privacy

The Service is not intended for use by individuals under the age of 13 (or 16 in the EU/EEA). We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly. If you believe a child has provided us with personal information, contact us at support@ripluo.com.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes:

• We will update the “Last Updated” date at the top of this page
• We will notify you by email at least 15 days before the changes take effect
• We will provide a summary of the material changes

Continued use of the Service after changes take effect constitutes acceptance of the updated policy.

12. Contact Us

For questions, concerns, or requests related to this Privacy Policy or your personal data, contact us at:

Ripluo LLC
Email: support@ripluo.com
Website: ripluo.com