Terms of Service Housing Recipients

HAVNLYAI, INC. Terms of Service for Housing Recipients

Effective Date / Last Updated: June 11, 2026

These Terms of Service for Housing Recipients ("Terms") constitute a binding legal agreement between HavnlyAI, Inc., a corporation governed by the laws of the State of Delaware, USA, with its registered office at 74 E Glenwood Ave, Unit #5779, Smyrna, DE, USA ("Havnly"), and you, each housing recipient, insured individual, or occupant placed or seeking placement in temporary housing (collectively, "Housing Recipient," "you," or "your"), accessing Havnly's website at www.havnly.ai (the "Website") and using the Services (defined below) via the Website and Platform. You and Havnly are each a "Party" and together the "Parties." Please read these Terms carefully. Your access to the Website and Platform and your use of the Services are conditioned upon your acceptance of and compliance with these Terms.

1. ACCEPTANCE OF THE TERMS

By accessing the Website and by using the Services via the Platform, you agree to be bound by these Terms and to comply with all applicable laws. If you do not agree to these Terms, in whole or in part, you are not authorized to use the Services and shall refrain from accessing or using the Website, Platform, and Services. Your continued use shall be deemed to constitute your acceptance of these Terms.

2. MODIFICATION OF THE TERMS

Havnly may modify or replace these Terms at any time. Havnly will provide notice of material changes, for example by posting an updated effective date or by notifying you through the Platform or by email. Your continued use of the Services following the posting of any changes shall be subject to the modified Terms.

3. THE PLATFORM AND SERVICES

3.1 Platform. Havnly provides you, through the Website, a web-based software-as-a-service digital platform that gives you access to a network of pre-vetted residential properties for mid-term and temporary placements for insured housing recipients and displaced tenants (the "Platform").

3.2 License Grant. Havnly grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Platform via the Website in strict compliance with these Terms. All rights not expressly granted are reserved by Havnly and its licensors.

3.3 Services. Via the Website and Platform, Havnly provides you the ability to: identify, source, vet, book, and coordinate suitable temporary housing options for yourself; communicate with insurance providers, third-party administrators, claims adjusters, and property owners or property managers ("Property Owners"), and report additional-living-expense (ALE) expenses; screen properties; manage calendars for bookings or viewings and the invoicing and billing documentation related to such bookings, directly or via your insurance provider (excluding payment processing, which is provided by third-party processors); and access Havnly's optional service offerings, including furniture, inspection, and other add-ons (collectively, the "Services").

3.4 Insurance coverage and carrier authority. Havnly is not an insurance company, broker, adjuster, or claims administrator. Havnly does not issue insurance policies, determine coverage, approve claims, or make reimbursement decisions. All coverage determinations, approval limits, duration approvals, rate caps, and reimbursement decisions are made solely by the applicable insurance carrier or its authorized claims administrator. Use of the Platform does not expand, modify, or guarantee insurance coverage in any manner.

3.5 No responsibility for properties. In relation to the properties listed on the Website and Platform, Havnly shall not be responsible for: the accuracy of information provided by Property Owners; the accuracy or availability of any "Pre-Qualified Home"; the physical condition or quality of any property; the underlying financial obligations between you, any Property Owner, or any insurance provider; your compliance with local property laws; the history or background of any property; any issues, accidents, or damages before or after your move-in; any injury sustained at the property; any breach of a lease or rental agreement between you and another user; the availability or non-availability of any property; the acts of any Property Owners, insurance providers, administrators, or claims adjusters; or any delays or cancellations caused by force majeure events.

3.6 Early departure, cancellation, and move-out costs. If you choose to cancel your lease or rental agreement, or to move out before the agreed end of your stay, any cancellation fees, early-termination charges, or other move-out costs are governed by the lease or rental agreement between you and the Property Owner and are your sole responsibility (or, where applicable, the responsibility of your insurance provider, claims adjuster, or administrator). Havnly is not responsible or liable for any move-out costs, cancellation fees, early-termination charges, or any unused portion of a booking, and Havnly shall not provide any refund, credit, or compensation, including for any Havnly fees, in such circumstances.

3.7 Pre-Qualified Homes. Pre-Qualified Homes displayed on the Platform are non-binding housing candidates identified through market research, proprietary tools, partner inventory, and other lawful data-gathering methods. They are shown for informational and evaluation purposes only and do not constitute confirmed availability, an offer to lease, or a representation that the Property Owner has agreed to participate in a placement. All Pre-Qualified Homes are subject to independent verification by Havnly, including confirmation of availability, pricing, terms, and owner consent, before any tour, hold, booking, or placement may occur. Havnly makes no guarantees regarding the availability, accuracy, pricing, or suitability of any Pre-Qualified Home until verification is completed and the home is designated as a verified match on the Platform.

3.8 Property Owners. Information on a property you select is based on information posted by a third-party Property Owner. Havnly has no control over Property Owners and shall not be responsible for such information, and does not guarantee that any selected property will be available. Any recourse you may have regarding such information must be taken against the applicable Property Owner. Property Owners are independent contractors and not agents or employees of Havnly. To the extent permitted by law, Havnly shall not be liable for any damage or loss you experience due to any act or omission of any Property Owner, including fraud, misrepresentation, or insolvency, nor for any Property Owner's breach of contract or failure to comply with applicable laws.

3.9 Property standards and disputes. Havnly may implement baseline screening standards for properties but does not guarantee property condition, habitability, compliance, or suitability, which remain the responsibility of the Property Owner. Havnly is not obligated to mediate, and is not responsible for resolving, any dispute between you and a Property Owner, insurance provider, administrator, claims adjuster, or other user; you are responsible for resolving such disputes in accordance with applicable state or local laws. Any such dispute shall not relieve you of your obligation to pay for confirmed bookings.

3.10 Not a broker. Havnly is not a property management company, leasing agent, or real estate broker, and will not execute or sign any rental or lease agreement directly with you or any insurance provider, claims adjuster, or administrator. Havnly assumes no responsibility for any result or consequence related to any action or inaction that you or any user takes based on the Services or any information available through the Platform.

3.11 Changes to Services. Havnly may add, change, suspend, remove, or discontinue any part of the Services, Platform, or Website in its sole discretion at any time, without notice and for any or no reason.

3.12 Lawful use. You shall not use the Website, Platform, or Services in any unlawful manner, or perform any act that interferes with or disrupts the Website, Platform, or Services.

4. YOUR DUTIES AND RESPONSIBILITIES

4.1 You agree to:

• submit and provide accurate information to Havnly to facilitate property matching based on your requirements;
• provide timely and complete placement requests with required stay dates, preferences, and constraints;
• communicate with Havnly in a timely manner and cooperate with Havnly's timelines and documentation requirements;
• obtain any required approval from the relevant bodies or insurance carriers;
• obtain approval from your insurance provider, claims adjuster, or administrator for the property you wish to book (if booking via such third parties);
• book the selected property on the Platform in a timely manner, either directly or via your insurance provider, to confirm the booking;
• notify Havnly promptly of any issues, changes, or cancellations relating to any booking; and
• communicate only through designated Havnly channels regarding any property bookings or Property Owners.

4.2 Booking confirmations. Upon confirming a booking, you agree to: pay the full property placement cost (rent and any optional add-ons) if you are booking directly, or, if you are booking via your insurance provider or administrator, they shall be responsible for these obligations; make payment in a timely manner, as payment is due at the time of booking or as otherwise communicated on the Platform; and promptly provide any changes to confirmed bookings to Havnly in writing.

4.3 Readiness. Subject to Sections 4.1 and 4.2 and Havnly's receipt of the applicable placement cost, Havnly shall reserve the booked property and seek to ensure readiness prior to your check-in date.

5. PAYMENT TERMS

5.1 Payment timing. Unless otherwise agreed in writing, the placement cost is due in full at the time of booking, or as directed by Havnly in writing or by your insurance provider.

5.2 Failed or reversed payments. In the event of late or failed payment, Havnly may, in its sole discretion, suspend or pause its Services, withhold confirmation of a booking, or cancel any reservation until full payment is received, to the extent cancellation is permitted under applicable booking terms.

5.3 Payment processing. Payments made through the Platform are processed by third-party payment processors, including Stripe. Havnly does not control such processors and is not responsible for processing delays, authorization failures, or technical errors. Havnly does not take custody of, hold, transmit, or disburse funds and is not a bank, money transmitter, or payment processor.

5.4 Taxes. You are responsible for any applicable taxes, duties, or governmental charges associated with your booking, except to the extent expressly stated otherwise on the Platform.

5.5 No circumvention. You agree to book any property introduced to you through the Platform through the Platform, and not to arrange or complete a booking or rental of such a property directly with the Property Owner or any third party, outside the Platform, in order to bypass the Services or avoid payment of Havnly's fees, during your placement and for twelve (12) months after the property is introduced to you. If you book or rent such a property off the Platform in breach of this Section, Havnly may suspend your account and recover from you the fee it would have earned on the booking.

5.6 Payment structures; reimbursement; carrier billing. Depending on the applicable claim and carrier approval, housing costs may be handled as follows: (a) Housing Recipient-Paid / Insurance-Reimbursed: you may book and pay for housing through the Platform; any reimbursement from your carrier is subject to coverage limits, approval amounts, duration limits, rate caps, deductibles, and other policy terms. Havnly does not guarantee reimbursement or determine eligibility, and you are solely responsible for any amounts not approved by your carrier. (b) Carrier-Billed: for certain claims, Havnly may facilitate billing of the carrier for approved housing costs, in which case the carrier pays the Property Owner directly per the carrier's approval. You remain responsible for any amounts outside approved coverage limits. The applicable payment structure is determined solely by the insurance carrier on a claim-by-claim basis.

6. ACCEPTABLE USE OF THE WEBSITE AND PLATFORM

You may not use the Website or Platform to transmit, distribute, store, or destroy any material or information (i) in violation of any applicable law; (ii) that infringes Havnly's or any third party's intellectual property rights; (iii) that violates the privacy or other rights of third parties; (iv) that is defamatory, obscene, threatening, abusive, or hateful; or (v) to make available any content that is unlawful, harmful, harassing, tortious, obscene, libelous, invasive of another's privacy, or otherwise objectionable.

When accessing the Website or Platform, you are prohibited from:

• using any device or software to interfere with the proper functioning of the Website or Platform;
• imposing an unreasonable or disproportionately large data load on the infrastructure;
• copying, reproducing, altering, creating derivative works of, or publicly displaying any content without Havnly's prior written consent;
• accessing or tampering with non-public areas of the Website, Platform, or Havnly's or its providers' systems;
• probing or testing the vulnerability of any system or network, or breaching any security or authentication measures;
• reverse-engineering or decompiling, or attempting to discover any source code, except as permitted by applicable law;
• using any robot, spider, scraper, or automated process to monitor, copy, crawl, harvest, or extract any part of the Website or Platform without Havnly's prior written consent;
• transmitting unsolicited commercial communications, junk mail, or spam, or any virus or harmful code;
• creating third-party links to, or framing or republishing, the Website or Platform without Havnly's prior written consent;
• violating any applicable local, state, federal, or international law; or
• collecting or storing personal data of any other user in connection with any prohibited conduct.

7. DISCLAIMER OF WARRANTIES

7.1 Unless otherwise provided under these Terms, the Services are provided "as is" and "as available," with all faults, defects, and errors.

HAVNLY (I) DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO YOUR USE OF THE SERVICES ON THE PLATFORM, AND (II) MAKES NO WARRANTIES OR GUARANTEES OF ANY KIND WITH RESPECT TO ANY PROPERTY OWNER'S PROPERTY LISTED ON THE PLATFORM OR ANY INFORMATION PROVIDED BY A PROPERTY OWNER, INCLUDING ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, OR INTEGRATION, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

HAVNLY DISCLAIMS ALL LIABILITY FOR YOUR INTERACTIONS, TRANSACTIONS, AND CONTRACTUAL AGREEMENTS WITH OTHER USERS OF THE PLATFORM, AND YOU BEAR FULL RESPONSIBILITY FOR ENTERING INTO ANY TRANSACTION OR AGREEMENT WITH ANOTHER USER, AT YOUR OWN RISK. ANY TEMPLATE DOCUMENTS OR SYSTEMS HAVNLY PROVIDES ARE USED SOLELY AT YOUR RISK, AND HAVNLY MAKES NO REPRESENTATION AS TO THEIR ADEQUACY OR SUITABILITY AND PROVIDES NO LEGAL OR PROFESSIONAL ADVICE. HAVNLY IS NOT RESPONSIBLE FOR RESOLVING OR ADJUDICATING ANY DISPUTE BETWEEN USERS, AND SUCH DISPUTES ARE SUBJECT STRICTLY TO APPLICABLE LOCAL OR STATE LANDLORD-TENANT OR OTHER APPLICABLE LAWS.

PAYMENTS ARE PROCESSED BY THIRD-PARTY PAYMENT PROCESSORS. HAVNLY DISCLAIMS ALL WARRANTIES AND LIABILITY FOR THE PROCESSING OR SETTLEMENT OF PAYMENTS BY SUCH PROCESSORS. YOU ACKNOWLEDGE THAT HAVNLY IS NOT A MONEY TRANSMITTER AND DOES NOT TAKE CUSTODY OF FUNDS.

HAVNLY MAKES NO REPRESENTATION ABOUT THE SUITABILITY, ACCURACY, RELIABILITY, OR COMPLETENESS OF THE INFORMATION OR GRAPHICS ON THE WEBSITE, PLATFORM, AND SERVICES, WHICH MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. HAVNLY DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, THAT ACCESS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PLATFORM IS FREE OF VIRUSES OR HARMFUL COMPONENTS. THE INCLUSION OF ANY PROPERTY ON THE PLATFORM DOES NOT CONSTITUTE AN ENDORSEMENT BY HAVNLY.

8. INDEMNIFICATION

8.1 Each Party (the "Indemnifying Party") agrees to indemnify, defend, and hold harmless the other Party, its affiliates, and their respective officers, directors, employees, agents, licensors, and contractors (the "Indemnified Parties") from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (i) the Indemnifying Party's breach of these Terms or violation of applicable law; (ii) in your case, any placement request, booking, payment obligation, or rental or other agreement with a Property Owner or insurance provider, claims adjuster, or administrator; and (iii) in Havnly's case, any claim to the extent caused solely by Havnly's gross negligence or willful misconduct.

8.2 Procedure. The Indemnified Party shall promptly notify the Indemnifying Party, provide reasonable cooperation at the Indemnifying Party's expense, and permit the Indemnifying Party to assume control of the defense and settlement. The Indemnifying Party may not enter into any settlement imposing liability or obligations on the Indemnified Party without that Party's prior written consent.

9. LIMITATION OF LIABILITY

HAVNLY, ITS AFFILIATES, LICENSORS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL IN NO EVENT BE LIABLE TO YOU OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFIT, GOODWILL, REVENUE, OR BUSINESS, ARISING FROM YOUR ACCESS TO THE WEBSITE OR PLATFORM OR YOUR USE OF THE SERVICES, EVEN IF HAVNLY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

HAVNLY SHALL NOT BE LIABLE FOR ANY DAMAGES RESULTING FROM UNAUTHORIZED ACCESS, HACKING, DATA LOSS, OR OTHER BREACHES, OR FOR ANY ACTS, ERRORS, OR OMISSIONS OF, OR THE TRANSMISSION OF PAYMENTS TO OR FROM, ANY PROPERTY OWNER, INSURANCE PROVIDER, CLAIMS ADJUSTER, OR ADMINISTRATOR. IN THE EVENT OF FRAUD, MISREPRESENTATION, OR INSOLVENCY OF A PROPERTY OWNER OR SUCH PARTY, YOUR SOLE RECOURSE SHALL BE AGAINST THAT PARTY AND NOT HAVNLY.

NOTWITHSTANDING ANYTHING TO THE CONTRARY, YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK, AND IN NO EVENT WILL HAVNLY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CAUSE, AND REGARDLESS OF THE FORM OF ACTION, EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO HAVNLY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) FIVE THOUSAND U.S. DOLLARS ($5,000).

9.1 Nothing in these Terms limits or excludes Havnly's liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded under applicable law, including any rights you may have under applicable consumer-protection law.

10. FORCE MAJEURE

10.1 Havnly shall not be liable where its performance of the Services is prevented or rendered commercially impracticable by reason of an act of God, epidemic, pandemic, cyber attack, third-party service outage, labor dispute, governmental restriction, war or hostilities, or any other event beyond Havnly's reasonable control (a "Force Majeure Event"). The period for performance will be extended for the duration of the delay, and Havnly shall use reasonable efforts to overcome the cause. If a Force Majeure Event continues for more than six (6) months, you may terminate these Terms and the affected Service without liability.

11. SUSPENSION AND TERMINATION

11.1 By Havnly. Havnly may suspend or temporarily disable access to all or part of the Website, Platform, or Services if (i) Havnly suspects you of any illegal activity; (ii) Havnly reasonably believes you have violated these Terms; or (iii) a law enforcement or government agency has requested suspension.

11.2 By you. If Havnly breaches any of its obligations under these Terms, you may terminate these Terms and cease using the Website, Platform, and Services. Upon termination, Havnly may block your access to the Website, Platform, and Services.

12. PRIVACY AND DATA PROTECTION

12.1 Havnly processes your personal information as described in its Privacy Policy at www.havnly.ai/privacy-policy, which is incorporated by reference. Havnly handles your personal information, including any claim-related information, in accordance with applicable data-protection and consumer-privacy laws. Depending on where you live, you may have rights to access, correct, or delete your personal information, and to make certain choices about its use; the Privacy Policy explains those rights and how to exercise them.

13. ELECTRONIC COMMUNICATIONS AND SMS

13.1 You consent to receive communications from Havnly electronically. If you provide a mobile number and opt in, Havnly may send service-related text messages, such as tour scheduling and placement updates. Message and data rates may apply, message frequency varies, and you may opt out at any time by replying STOP, or reply HELP for help. SMS consent is separate from these Terms and is governed by the disclosures provided when your number is collected and by Havnly's SMS Terms and Privacy Policy. Havnly will not condition the Services on your agreement to receive marketing text messages.

14. NO AGENCY RELATIONSHIP

14.1 Havnly is an intermediary that provides the Platform for you to access and use the Services. There is no employment, agency, broker, joint venture, partnership, or independent contractor relationship between you and Havnly.

15. GENERAL PROVISIONS

15.1 Severability. If any provision of these Terms is held invalid, it shall be deemed omitted to that extent without invalidating the remaining provisions.

15.2 No waiver. A Party's failure or delay in enforcing any provision will not operate as a waiver. Any waiver must be in writing, specify the provision waived, and be signed by the Party agreeing to it.

15.3 Notices. Any notice must be in writing and sent by certified mail, registered mail, courier, or to legal@havnly.ai.

15.4 Governing law and dispute resolution. These Terms are governed by the laws of the State of Delaware, USA, without regard to the consumer-protection laws of your home state where those laws would otherwise apply mandatorily. The Parties shall first attempt to resolve any dispute in good faith. Any dispute not resolved informally shall be settled by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration may be conducted, at your election, in the county where you reside or by telephone or video conference, so that you are not required to travel to Delaware. Either Party may bring an individual claim in a small-claims court with jurisdiction instead of arbitration. You may opt out of this arbitration agreement by sending written notice to legal@havnly.ai within thirty (30) days of first accepting these Terms, in which case disputes will be resolved by the state or federal courts located in Delaware. Nothing in this section limits any right you cannot waive under applicable law.

15.5 Entire agreement. These Terms (together with any document incorporated by reference) constitute the entire agreement between you and Havnly regarding your access to and use of the Website, Platform, and Services, and supersede all prior understandings. No oral agreements or side deals are enforceable unless in writing and signed by Havnly.

16. CONTACT INFORMATION

Questions about these Terms, or issues or concerns about the Website, Platform, or Services, may be directed to Havnly at legal@havnly.ai. For billing inquiries, please email billing@havnly.ai.