Terms of Service

These Terms of Service ("Terms") are a binding legal agreement between you and Be Belong Group Corp, a Delaware corporation with a principal place of business at 2980 NE 207 Street, Miami, FL 33180 ("Company," "we," "us," or "our"), governing your access to and use of the CollegeGain.AI website, mobile application (where applicable), and related services (collectively, the "Service").

By creating an account, clicking "I agree," or otherwise accessing or using the Service, you accept these Terms, our Privacy Policy, our Cookies Policy, and our Accessibility Statement. If you do not agree, do not use the Service.

These Terms contain a binding arbitration clause and class-action waiver in Section 20 that affects how disputes are resolved.

• User / Student / Earner / you: an individual who has created a CollegeGain.AI account and passed KYC and enrollment verification.
• Credits: units of value earned through Earning Buckets and applied toward the User's Tuition through the Tuition Credit mechanism.
• Earning Bucket: a category of brand-funded activity through which a User earns Credits (Videos, Surveys, Cashback, Subscriptions, Play and Earn, internal games/promotions, and other categories as introduced from time to time).
• KYC: know-your-customer identity and eligibility verification (including biometric liveness where applicable).
• Institutional Partner: a college, university, or other postsecondary institution that has an arrangement with the Company under which it may provide limited directory-type contact information to facilitate outreach to prospective Student Users.
• Institution: the postsecondary school at which the User is enrolled or admitted.
• Tuition Credit: the application of earned Credits toward the User's Tuition through the mechanism described in Section 6.
• Tuition: qualifying postsecondary tuition and, where applicable, related institutional charges to which Credits may be applied.
• EaaS: the Company's Earnings-as-a-Service model, of which CollegeGain.AI is the student-focused implementation.
• RentGain: the Company's separate renter-focused EaaS product, governed by its own agreements.

CollegeGain.AI is a consumer-facing EaaS platform through which KYC-verified Students complete brand-funded activities to earn Credits that are applied toward Tuition. Earning Buckets available on the Service include:

• Videos. Earning Credits by viewing brand-sponsored video content.
• Surveys. Earning Credits by completing brand or market-research surveys.
• Cashback. Earning Credits or cash-back on qualifying purchases or transactions with brand partners.
• Subscriptions. Earning Credits for signing up for or maintaining eligible brand subscription services.
• Play and Earn. Earning Credits through gameplay of internal or third-party engagement-based games (skill/engagement-based, not chance-based unless separately identified).
• Internal games and promotions, including any chance-based promotional mechanic (such as a rewards wheel), governed by the official rules referenced in Section 8.
• Other Earning Buckets as introduced from time to time. New Earning Buckets are governed by these Terms and any supplemental posted terms without requiring a full Terms amendment for each new bucket introduced within the general EaaS framework.

The Service also includes AI-powered features such as an earnings optimizer, brand-matching engine, predictive earnings dashboard, and AI shopping/lifestyle assistant, as applicable to CollegeGain.AI.

Minimum age. You must be at least [COMPANY TO CONFIRM MINIMUM AGE POLICY — default 18 for independent account creation] years of age (or the age of majority in your jurisdiction if higher) to create an independent CollegeGain.AI account.

Dual-enrollment / minor pathway. Because CollegeGain.AI may be used by dual-enrollment students who are minors, Users who are at least 13 years old but under the independent-use age may register only through a distinct pathway requiring verifiable parental or legal-guardian consent before account creation and use, consistent with the framework of the Children's Online Privacy Protection Act (COPPA) out of an abundance of caution. [COMPANY TO CONFIRM PARENTAL CONSENT MECHANISM].

Under 13. The Service is not intended for and may not be used by anyone under 13 years of age. If we learn that we have collected personal information from a child under 13, we will delete it and terminate the account in accordance with our Privacy Policy.

Enrollment and KYC. You must be enrolled at, or admitted to, a postsecondary Institution recognized by the Company, and you must complete KYC identity verification (which may include government-issued identification, a selfie-based biometric liveness check, date of birth, and school affiliation/enrollment verification). One account is permitted per person.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must provide accurate, current, and complete information and keep it up to date. You must promptly notify us at info@bebelong.life of any suspected unauthorized access or breach.

We may suspend or terminate accounts we reasonably believe are engaged in fraud, gaming of Earning Buckets or promotional mechanics, creation of multiple accounts, misrepresentation of student status, or other violations of these Terms.

Credits are earned per the rules of each Earning Bucket and are applied toward your Tuition through the Tuition Credit mechanism — for example, by credit to your student account at your Institution or by disbursement through the Company's platform toward a Tuition payment. [COMPANY TO CONFIRM TUITION-CREDIT DISBURSEMENT MECHANISM].

Credits may expire or be forfeited on account closure, loss of enrollment status, fraud, or as otherwise stated in these Terms or in a bucket's supplemental terms. Credits have no independent cash value except through the Tuition Credit mechanism (or such other disbursement channels as the Company may offer).

Financial-aid disclaimer. Credits earned through CollegeGain.AI are not federal, state, or institutional financial aid; are not a loan, grant, scholarship, or Title IV federal student aid; and are not guaranteed. Depending on your Institution's policies, Credits may need to be reported to the Institution's financial aid office, as they could affect cost-of-attendance calculations, need-based aid eligibility, or satisfactory-academic-progress-linked aid. The Company does not provide financial aid, tax, or legal advice. You are encouraged to consult your Institution's financial aid office and/or a qualified tax professional regarding any implications of Credits earned through the Service (including any tax-reporting implications, such as interaction with IRS Form 1098-T). [COMPANY TO CONFIRM WITH COUNSEL / TAX ADVISOR — final wording of financial-aid and tax-implications disclaimer].

The Company does not act as, and the Service does not constitute, a financial aid disbursement service regulated as such under the Higher Education Act or Title IV. [COMPANY TO CONFIRM WITH COUNSEL].

To the extent Tuition Credit disbursement involves ACH or other electronic funds transfers, applicable provisions of the Electronic Fund Transfer Act (EFTA) and Regulation E may apply, including your rights with respect to unauthorized electronic transfers and error resolution. Specific EFTA/Reg E disclosures, if applicable to the disbursement pathway used for your account, will be provided separately or through in-product disclosures. [COMPANY TO CONFIRM WITH COUNSEL — money transmission and EFTA/Reg E analysis based on the actual disbursement mechanism].

The Service may offer internal games or promotional mechanics, including chance-based mechanics such as a rewards wheel. Where offered, each such promotion is subject to official rules disclosing at least: eligibility; the fact that no purchase or additional consideration is necessary to enter or win; the odds of winning (where applicable); a description and any limitations on prizes; the sponsor; and the fact that the promotion is void where prohibited. Where required, the Company will register, bond, or file the promotion in accordance with applicable state law. [COMPANY TO CONFIRM WITH COUNSEL — STATE SWEEPSTAKES/PROMOTION LAW REVIEW].

Official rules for any active promotion will be posted in-product or on the Service.

Email. We send transactional email (Credits posted, Tuition Credit applied, KYC status, security alerts, account changes) that is necessary while your account is active. With your consent, we also send marketing and promotional email in compliance with the CAN-SPAM Act; you may unsubscribe from marketing email at any time via the link included in those messages.

SMS. If you provide express written consent, we may send marketing text messages consistent with the Telephone Consumer Protection Act (TCPA). Your consent to marketing SMS is not a condition of using the Service. Message frequency varies [COMPANY TO CONFIRM TYPICAL FREQUENCY]. Message and data rates may apply. Reply STOP to opt out and HELP for help. We may continue to send transactional or security-related SMS as necessary to operate the Service.

You manage channel and category preferences in your account under "Communications Preferences." See the Privacy Policy for how notification data is handled.

You agree not to:

• Use bots, scripts, emulators, click-farms, or other automation to complete Earning Bucket activities;
• Create multiple accounts, share accounts, or misrepresent your identity, age, or student status;
• Manipulate, defraud, or "game" any Earning Bucket, referral program, or promotional mechanic;
• Reverse engineer, scrape, or interfere with the security or integrity of the Service;
• Use the Service in violation of law, or to infringe the rights of others.

Violations may result in Credit forfeiture, account suspension or termination, and referral to law enforcement.

The Service, including software, designs, and content, is owned by the Company or its licensors and protected by intellectual-property laws. Subject to these Terms, the Company grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial use.

Brand-partner content made available through Earning Buckets is licensed to you solely for viewing or participation within the Service and may not be redistributed. You retain ownership of content you submit (for example, survey responses or product reviews) and grant the Company a worldwide, royalty-free license to host, process, use, and share that content as necessary to operate the Service and fulfill brand-partner engagements.

The Service includes AI-powered features that recommend Earning Buckets, offers, and earning strategies. AI outputs are informational only, may be incomplete or inaccurate, and do not constitute financial, career, or academic advice. The Company does not guarantee any specific earnings amount, rate, tuition outcome, or brand offer availability. Brand partner offers are subject to change or discontinuation.

The Company is not a party to your enrollment, tuition, or financial-aid agreement with your Institution, except to the extent Credits are successfully applied through the Tuition Credit mechanism. The Company does not control institutional financial aid determinations. If your Institution is an Institutional Partner, Section 3 of the Privacy Policy describes the limited directory-type data the Institutional Partner may have provided to facilitate your initial invitation to CollegeGain.AI, and the FERPA framework governing that disclosure.

The Service integrates with third parties, including identity-verification vendors, payment processors, mobile analytics/attribution providers, SMS/email delivery providers, tuition and loan servicers, and brand partners. Your use of any third-party service is subject to that party's own terms and policies. The Company is not responsible for the acts or omissions of third parties except as required by law.

On graduation or other transition out of qualifying student status, we may offer you the ability to continue engagement with the Company's platform through RentGain or another Company product. RentGain is governed by its own separate Terms of Service, Privacy Policy, License Agreement, Cookies Policy, and Accessibility Statement. Unless the Company specifies otherwise, transition to RentGain requires fresh account creation and fresh acceptance of RentGain's agreements, and CollegeGain.AI account data will not automatically carry over. [COMPANY TO CONFIRM ACCOUNT TRANSITION MECHANICS].

The service is provided "as is" and "as available," without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of dealing. The Company does not warrant that the Service will be uninterrupted, secure, or error-free, or that any specific Credits, earnings, or Tuition outcomes will be achieved.

To the fullest extent permitted by law, in no event will the Company, its affiliates, or their respective officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to the Service or these Terms, whether based on contract, tort, statute, or otherwise. The Company's aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount of Credits applied to your Tuition through the Service in the twelve months preceding the event giving rise to liability or (b) US$100. Some jurisdictions do not allow certain of these limitations; in such jurisdictions the limitations apply to the maximum extent permitted by law.

You agree to defend, indemnify, and hold harmless the Company and its affiliates from and against any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, your violation of applicable law, or your infringement of any third-party right.

These Terms remain in effect while you use the Service. You may close your account at any time. We may suspend or terminate your account and access at any time for violation of these Terms, suspected fraud, loss of eligibility, or as required by law. On termination, the treatment of unredeemed or pending Credits is as described in Section 6 and any applicable bucket-specific terms. Sections that by their nature should survive termination (including Sections 6, 11, 16–18, and 20) will survive.

Binding arbitration. Any dispute, claim, or controversy arising out of or relating to the Service or these Terms will be resolved by binding individual arbitration administered by a nationally recognized arbitration provider [COMPANY TO CONFIRM PROVIDER — e.g., AAA] under its then-current consumer arbitration rules, seated in Miami-Dade County, Florida.

Class-action waiver. You and the Company each waive the right to bring or participate in any class, collective, or representative action. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

Opt-out. You may opt out of this Section 20 by sending a signed written notice to info@bebelong.life within 30 days of first accepting these Terms.

Governing law and venue. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Subject to the arbitration provisions above, exclusive venue for any judicial proceeding lies in the state and federal courts located in Miami-Dade County, Florida, and each party consents to personal jurisdiction there.

The Company is not liable for delays or failures caused by events beyond its reasonable control. You may not assign these Terms without our written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets. These Terms, together with the Privacy Policy, Cookies Policy, and Accessibility Statement, constitute the entire agreement between you and the Company regarding the Service. If any provision is held unenforceable, the remainder will remain in effect. Failure to enforce any right is not a waiver. Notices to you may be provided via the Service, email, or in-product notice; notices to the Company must be sent to Be Belong Group Corp, Attn: Legal, 2980 NE 207 Street, Miami, FL 33180.

We may update these Terms from time to time. When we make changes, we will update the "Last updated" date above and, for material changes, provide notice by email, in-product banner, or other reasonable means. Material changes that expand your obligations or reduce your rights will require you to re-accept the Terms before continued use of the Service. Non-material changes take effect on posting.

Questions about these Terms: info@bebelong.life or Be Belong Group Corp, Attn: Legal, 2980 NE 207 Street, Miami, FL 33180.