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Terms of Use & Privacy Notice

RUNWAY — BETA TERMS OF USE

Effective date: 19 September 2026

Version: 0.2.1

These Terms of Use (“Terms”) govern access to and use of the Runway application, website and related beta services (collectively, “Runway” or the “Service”).

Runway is currently an early-stage prototype operated by Ariston Navarro in the United Arab Emirates (“Operator”, “we”, “us” or “our”). Runway is not currently offered as a publicly available or separately licensed commercial service.

Access is limited to persons specifically invited to evaluate the Service during its private beta period.

By creating an account, accepting an invitation or using Runway, you agree to these Terms and the Runway Beta Privacy Notice.

1. Acceptance of Terms

By accessing or using Runway, you confirm that:

  • you have read and understood these Terms and the Privacy Notice;
  • you agree to be legally bound by them;
  • you are at least 18 years old and legally capable of entering into a binding agreement;
  • the information you provide is accurate and complete; and
  • your use of Runway is permitted under the laws applicable to you.

If you use Runway on behalf of a business, household, organisation, partnership or project, you confirm that you have authority to act on its behalf and to enter or manage the relevant information.

If you do not agree to these Terms, you must not use Runway.

2. Private Beta Status

Runway is currently a restricted, invitation-only beta made available for testing, evaluation and product-development purposes.

Runway is not presently offered to the general public and must not be resold, sublicensed or made available to another person without the Operator’s permission.

You acknowledge that:

  • Runway remains under development;
  • features may be incomplete, experimental or unavailable;
  • calculations may contain errors;
  • information may be delayed, duplicated, incorrectly categorised, corrupted or lost;
  • the Service may experience interruptions or downtime;
  • functions may be added, changed, restricted or removed without notice; and
  • Runway has not been independently certified or audited as an accounting, banking, investment or regulated financial product.

You should not use Runway as your only financial record. You must maintain independent copies of important financial information and supporting documents.

You must not enter information that is irreplaceable or required to satisfy statutory accounting, tax, audit or regulatory record-retention obligations unless it is also securely maintained elsewhere.

3. Eligibility and Account Access

Runway may be used only by persons who:

  • are at least 18 years old;
  • have received or been authorised to receive beta access;
  • are legally capable of accepting these Terms; and
  • have not previously been suspended or prohibited from using the Service.

Runway is not intended for children, and persons under 18 must not create an account or use the Service.

An invitation is personal to the invited user and must not be transferred or shared.

We may refuse, suspend or withdraw beta access at our discretion where reasonably necessary for legal, security, technical or operational reasons.

4. Purpose of Runway

Runway is a financial planning and organisation tool designed to help individuals, households, businesses, organisations and project teams:

  • record available funds and balances;
  • plan anticipated or recurring income and expenses;
  • schedule future financial commitments;
  • categorise commitments, needs and discretionary spending;
  • compare planned and actual amounts;
  • estimate how funds may change over time;
  • calculate indicative runway periods and projected balances; and
  • collaborate with authorised workspace members.

Runway provides organisational tools and mathematical estimates only.

5. No Professional or Regulated Advice

Runway does not provide financial, investment, accounting, audit, tax, legal, insurance, credit or other regulated professional advice.

Runway is not:

  • a bank, payment service, money-transfer provider or financial institution;
  • an accounting ledger or statutory bookkeeping system;
  • an investment adviser, broker, trustee, fiduciary or asset manager;
  • a credit-rating or lending platform;
  • a substitute for professional advice; or
  • a guarantee that funds will last for any particular period.

All forecasts, alerts, runway periods, projected balances and “left after” amounts depend on information entered by users and the assumptions configured within the Service.

Actual results may differ materially because of incomplete information, timing differences, taxes, fees, foreign-exchange movements, market conditions, emergencies, unplanned spending and other factors.

You remain responsible for:

  • checking the completeness and accuracy of your information;
  • independently verifying material calculations;
  • deciding whether and how to act on information displayed by Runway;
  • obtaining professional advice where appropriate; and
  • complying with applicable accounting, tax, legal and reporting obligations.

Runway does not recommend that you spend, save, invest, borrow, lend, purchase or sell any particular asset or financial product.

6. Accounts and Security

You must provide accurate account information and keep it current.

You are responsible for:

  • protecting your login credentials;
  • using a strong and unique password;
  • securing the devices used to access Runway;
  • not sharing your account with another person;
  • reviewing activity conducted through your account; and
  • promptly reporting suspected unauthorised access.

Each authorised person must use their own account.

If you believe your account or workspace has been accessed without permission, you must promptly use the Contact Support function within Runway.

We may require reasonable verification of identity or account ownership before processing an access, correction, export, security or deletion request.

7. Workspaces and Member Permissions

A Runway workspace may contain confidential information relating to an individual, family, business, organisation or project.

The user who creates a workspace is generally its “Owner”. The Owner may invite other authorised users and assign available permission levels.

The Owner is responsible for:

  • ensuring that each invited member is authorised to access the workspace;
  • obtaining any consent or permission required before sharing information;
  • reviewing the permissions assigned to each member;
  • removing access when it is no longer required;
  • informing members of any confidentiality obligations; and
  • supervising the use of the workspace.

Depending on their permissions, members may be able to view, add, amend, categorise or delete information.

Before accepting an invitation, a member should confirm that they recognise the Owner and are authorised to access the information.

The permission descriptions displayed within Runway form part of these Terms. The permission system does not replace the Owner’s responsibility to restrict access appropriately.

8. User Content

“User Content” means information entered, uploaded, created or submitted through Runway, including balances, income, expenses, commitments, transactions, categories, trackers, assets, liabilities, notes and workspace information.

You retain ownership of your User Content.

You grant the Operator and its approved service providers a limited, non-exclusive right to host, store, process, transmit, reproduce and display User Content only as reasonably necessary to:

  • provide Runway’s functions;
  • calculate forecasts and dashboard information;
  • enable authorised workspace collaboration;
  • secure and maintain the Service;
  • troubleshoot faults;
  • investigate misuse or security incidents;
  • maintain legitimate backups; and
  • comply with applicable law.

You confirm that:

  • you have the right or authority to provide the User Content;
  • the User Content does not unlawfully infringe another person’s rights;
  • you have obtained any consent or authorisation legally required; and
  • you will not use Runway to create undisclosed or unlawful financial profiles about another person.

9. Prohibited and Sensitive Information

You must not enter the following information into Runway unless a future function specifically requests it and provides appropriate safeguards:

  • online-banking usernames or passwords;
  • one-time passwords or authentication codes;
  • complete payment-card information;
  • private cryptographic keys;
  • passport or Emirates ID copies;
  • medical or health records;
  • biometric information;
  • religious beliefs or political opinions; or
  • information concerning children.

Runway does not currently require access to your bank login credentials.

If bank connections, payments or other regulated functions are introduced later, separate terms, disclosures and consents will apply.

10. Acceptable Use

You must not use Runway to:

  • violate any law or regulation;
  • commit or facilitate fraud, money laundering, tax evasion or another unlawful activity;
  • access or attempt to access another account or workspace without authority;
  • impersonate another person;
  • introduce malware or harmful code;
  • disrupt or interfere with the Service;
  • test or exploit a vulnerability without written authorisation;
  • bypass access controls or security restrictions;
  • extract data using unauthorised automated methods;
  • reverse-engineer the Service except where applicable law expressly permits it;
  • copy Runway systematically to develop a competing service;
  • infringe privacy, confidentiality or intellectual-property rights; or
  • use Runway to make decisions that unlawfully discriminate against another person.

We may investigate suspected misuse and restrict access where reasonably necessary to protect users, information or the Service.

11. Intellectual Property

Except for User Content, all rights in Runway—including its software, interface, workflows, calculations, text, graphics, branding and documentation—belong to or are licensed to the Operator.

You receive a limited, personal, revocable, non-exclusive and non-transferable right to use Runway during the private beta period for its intended purposes.

No ownership or intellectual-property rights are transferred to you.

Feedback and suggestions may be used to improve Runway without payment or obligation, provided that you are not publicly identified as the source without your permission.

12. Third-Party Services

Runway may rely on third-party providers for development, hosting, databases, authentication, monitoring, communications and other technical services.

These providers may include Lovable and infrastructure or database providers used in connection with the Runway project.

Third-party services may be governed by their own terms and privacy notices. Their availability, functions and processing locations may change.

We will not knowingly authorise a provider to use workspace financial information for its own advertising purposes.

Before Runway progresses beyond restricted beta testing, the relevant providers, processing arrangements and international-transfer safeguards must be reviewed and documented.

13. Fees

Runway is currently provided free of charge during the restricted beta.

You will not be charged unless:

  • Runway is lawfully introduced as a paid service;
  • the applicable operator, price, taxes, billing period, renewal terms and cancellation rights are disclosed in advance; and
  • you expressly agree to the purchase or subscription.

No charges will be imposed retrospectively for previous free beta use.

14. Service Changes and Availability

We may modify, restrict, suspend or discontinue any beta function for development, security, legal, technical or operational reasons.

Where reasonably practicable, we will provide notice of a material change or discontinuation affecting access to User Content.

Immediate action may be taken where necessary to address a security incident, legal requirement or material technical risk.

You remain responsible for maintaining an independent copy of information you may need.

15. Account Suspension and Termination

You may stop using Runway at any time.

We may suspend or terminate access if:

  • you materially or repeatedly breach these Terms;
  • your use creates a legal, security or operational risk;
  • we are required to do so by law or a competent authority;
  • the private beta is discontinued; or
  • continued operation becomes impracticable.

Where appropriate, we will provide reasonable notice and an opportunity to remedy a breach. Immediate suspension may occur where necessary to protect users, data or the Service.

Account termination does not automatically eliminate information that must temporarily remain in secure backups or be retained to address security incidents, legal claims or legal obligations.

16. Disclaimer of Warranties

To the fullest extent permitted by applicable law, Runway is provided on an “as is” and “as available” basis.

The Operator does not guarantee that:

  • Runway will always be available, secure, uninterrupted or error-free;
  • calculations, projections or alerts will always be complete or accurate;
  • defects will always be corrected;
  • Runway will meet a particular accounting, regulatory, business or personal requirement; or
  • information will never be lost, corrupted or accessed without authorisation.

Nothing in these Terms excludes a warranty, right or remedy that cannot lawfully be excluded.

17. Limitation of Liability

To the fullest extent permitted by applicable law, the Operator will not be liable for indirect, incidental, special or consequential loss arising from:

  • reliance on a forecast, calculation, alert or projection;
  • inaccurate or incomplete User Content;
  • loss or corruption of information;
  • interruption or unavailability of the beta Service;
  • unauthorised use caused by credentials or devices under your control; or
  • failures caused by third-party systems or events beyond the Operator’s reasonable control.

Because Runway is presently provided free of charge for restricted beta evaluation, any liability that cannot otherwise be excluded will be limited to the amount determined reasonable and lawful by the competent court having regard to the actual circumstances.

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by law, including liability arising from fraud, wilful misconduct, gross negligence or a violation of mandatory data-protection or consumer rights.

18. User Responsibility for Misuse

To the extent permitted by law, you are responsible for reasonable losses or expenses directly resulting from:

  • your fraudulent or unlawful use of Runway;
  • deliberate infringement of another person’s rights;
  • User Content you were not authorised to provide; or
  • a material and deliberate breach of these Terms.

You are not responsible for loss caused by the Operator’s negligence, misconduct, security failure or breach of law.

19. Future Licensed Operator

Runway is currently operated as a private prototype.

If an appropriately licensed company or other legal entity assumes ownership or operation of Runway, users will be informed of:

  • the identity and contact details of the new operator;
  • the date on which the transfer takes effect;
  • any material changes to these Terms; and
  • any material changes to the processing of personal data.

Where required by law, renewed agreement or consent will be obtained.

A transfer to a future operator will not remove or reduce any legal responsibility arising before the effective date of the transfer.

20. Governing Law and Disputes

These Terms and any non-contractual obligations arising from them are governed by the applicable federal laws of the United Arab Emirates.

Any dispute will be submitted to the competent court in the United Arab Emirates having jurisdiction under applicable procedural law.

Before commencing formal proceedings, the parties should attempt in good faith to resolve the dispute by written notice and discussion for at least 30 days, unless urgent legal relief is reasonably required.

If you qualify as a consumer in another country, this Section does not remove any mandatory protection or right to use another competent forum that cannot lawfully be waived under the laws applicable to you.

21. Changes to These Terms

We may update these Terms to reflect changes to Runway, applicable law, security requirements or beta operations.

The effective date and version number will be updated. Material changes will be communicated through Runway or by another reasonable method.

We will request affirmative acceptance where a material change requires renewed agreement. Continued use alone will not be treated as consent to a new purpose for processing personal data where applicable law requires express consent.

If you do not agree to the revised Terms, you must stop using Runway.

22. General Provisions

If any provision is held invalid or unenforceable, the remaining provisions will continue in effect.

Failure to enforce a provision does not waive the right to enforce it later.

These Terms, the Privacy Notice and any feature-specific terms expressly accepted by you constitute the agreement governing your use of the beta Service.

Headings are for convenience and do not affect interpretation.

23. Contact

Questions, complaints, security reports, privacy requests and legal notices may be submitted through the Contact Support function within Runway.

A dedicated legal and privacy email address and the full details of the licensed operator will be published before Runway is made available as a public or commercial service.

RUNWAY — BETA PRIVACY NOTICE

Effective date: 19 September 2026

Version: 0.2.1

This Privacy Notice explains how personal data is processed when you use Runway.

Runway is currently a private beta operated by Ariston Navarro in the United Arab Emirates.

1. Privacy Roles

For account registration, authentication, security, support and general administration of Runway, the Operator determines how and why personal data is processed and therefore acts as the data controller, to the extent recognised by applicable law.

For financial or organisational information entered into a workspace:

  • an individual Owner may act as the controller of their personal or household information;
  • a business or organisation may act as controller where it determines why and how the information is used; and
  • the Operator may act as a service provider or processor by storing and processing that information on the Owner’s instructions.

The precise roles depend on how the workspace is used and applicable law.

Workspace Owners are responsible for ensuring that they have authority to enter information concerning other people.

2. Information We Process

2.1 Account information

This may include:

  • name;
  • email address;
  • account identifier;
  • authentication information;
  • account status; and
  • acceptance records for these Terms and the Privacy Notice.

2.2 Financial and planning information

This may include:

  • available funds and balances;
  • planned or actual income;
  • expenses and financial commitments;
  • transaction descriptions and dates;
  • budgets and spending categories;
  • properties, assets and liabilities;
  • financial projections;
  • calculated runway periods; and
  • notes entered by users.

2.3 Workspace information

This may include workspace names, invitations, membership, roles, permissions and records of changes made within a workspace.

2.4 Technical information

This may include IP address, device and browser type, operating system, session information, timestamps, error reports, security logs and diagnostic information.

2.5 Support information

This may include correspondence, screenshots and information supplied when requesting assistance or reporting a problem.

3. How We Use Information

Personal data may be processed to:

  • create and authenticate accounts;
  • provide and administer Runway;
  • store and display information entered by users;
  • calculate dashboards, forecasts and runway estimates;
  • manage workspace invitations and permissions;
  • respond to support and privacy requests;
  • detect faults and improve reliability;
  • protect accounts and prevent misuse;
  • investigate security incidents;
  • maintain appropriate backups;
  • establish or defend legal claims; and
  • comply with applicable law.

Runway does not sell or rent personal data.

Workspace financial information will not knowingly be used for targeted advertising.

Workspace financial information will not knowingly be used to train general-purpose artificial-intelligence models unless a separate, clear disclosure and legally valid choice are provided.

4. Legal Grounds

Depending on the circumstances and applicable law, processing may be based on:

  • performance of the agreement governing the beta Service;
  • your informed consent;
  • legitimate interests in operating, securing and improving Runway, where permitted;
  • compliance with legal obligations; or
  • the establishment, exercise or defence of legal claims.

Where processing is based on consent, you may withdraw that consent. Withdrawal does not affect processing lawfully completed before withdrawal.

5. Information Concerning Other People

You must not enter another person’s information unless you have lawful authority or permission.

If you enter information about another person, you are responsible for ensuring that:

  • the information is relevant and reasonably necessary;
  • the person receives any notice required by law;
  • any required consent or other legal basis exists; and
  • access is limited to appropriately authorised members.

6. Service Providers

Runway may use service providers for:

  • application development;
  • cloud hosting;
  • database storage;
  • authentication;
  • monitoring and security;
  • communications; and
  • technical support.

Runway has been developed using Lovable and may use infrastructure or subprocessors made available through or connected with Lovable.

Providers may change during beta development. Before public or commercial launch, the Operator will maintain and disclose appropriate information regarding material providers and processing locations.

Service providers may process information only for authorised service purposes or as otherwise permitted by applicable law and their contractual obligations.

7. International Processing

Runway’s hosting and technical providers may process information outside the United Arab Emirates and outside the country in which a user resides.

Before production use involving real personal data, the Operator will take reasonable steps to identify the applicable processing locations and implement any legally required transfer mechanism or safeguard.

Depending on applicable law, safeguards may include:

  • transfers to jurisdictions recognised as providing adequate protection;
  • contractual data-protection obligations;
  • approved transfer mechanisms;
  • specific legally recognised exceptions; or
  • express consent where consent is legally valid and appropriate.

Notice of overseas processing does not remove the Operator’s obligations under applicable data-protection law.

8. Security

The Operator and relevant providers will use reasonable administrative, technical and organisational safeguards appropriate to the nature of the Service and information processed.

Appropriate controls may include:

  • protected authentication;
  • encrypted transmission;
  • workspace access controls;
  • restricted administrative access;
  • security and diagnostic logging;
  • backups; and
  • incident-response procedures.

The specific security configuration must be verified before Runway is used as a public or commercial service.

No internet-based system can guarantee absolute security. Users remain responsible for securing their credentials, devices and workspace permissions.

9. Security Incidents

If the Operator becomes aware of a suspected personal-data breach, the Operator will:

  • investigate the incident;
  • take reasonable steps to contain and remedy it;
  • assess the information and individuals affected;
  • document the response; and
  • notify the competent authority and affected individuals where required by applicable law.

Notifications will contain the information reasonably available at the time and may be updated as an investigation progresses.

10. Retention and Deletion

Account and workspace information will generally be retained while the relevant account or workspace remains active.

Personal data will not knowingly be retained for longer than reasonably necessary to:

  • provide the beta Service;
  • maintain security and service continuity;
  • resolve disputes;
  • comply with applicable law; or
  • establish or defend legal claims.

Following a valid deletion request, information will be deleted or anonymised as soon as reasonably practicable, subject to backup cycles, unresolved incidents and legal-retention requirements.

Residual information may remain temporarily in protected backups until those backups are overwritten through the applicable technical cycle.

A specific deletion and backup-retention schedule will be published once the production infrastructure and deletion functions have been verified.

11. Account and Workspace Deletion

Deleting an individual member account may not automatically delete a workspace if another authorised user continues to use it.

The workspace Owner generally controls workspace deletion. Information entered by a former member may remain within the workspace unless the Owner deletes it or applicable law requires otherwise.

Users should export or independently retain required information before requesting deletion.

12. Your Rights

Subject to applicable law, you may have the right to:

  • receive information about how your personal data is processed;
  • access or obtain a copy of your data;
  • correct inaccurate or incomplete information;
  • request deletion;
  • restrict or object to certain processing;
  • withdraw consent;
  • request an export of information in a usable format;
  • object to certain automated decisions; and
  • complain to a competent data-protection authority.

Runway’s forecasts and calculations are planning tools. They are not intended to make legally binding or similarly significant automated decisions about users.

Requests may be submitted through the Contact Support function within Runway. Reasonable identity verification may be required.

13. Cookies and Local Storage

Runway may use cookies, browser storage and similar technologies necessary to:

  • authenticate users;
  • maintain sessions;
  • protect account security;
  • remember settings; and
  • diagnose technical problems.

If non-essential analytics, advertising or tracking technologies are introduced, any notice and consent controls required by applicable law will be provided before they are activated.

14. Children

Runway is not intended for persons under 18.

Persons under 18 must not create an account or provide personal data through the Service.

If the Operator learns that information concerning a child has been entered contrary to this Notice, reasonable steps will be taken to restrict access and delete the information, subject to applicable law.

15. Transfer to a Future Operator

If an appropriately licensed company or other legal entity assumes operation of Runway, relevant personal data may be transferred to that entity.

Before the transfer takes effect, users will be informed of the new operator’s identity, contact information and any material change in processing.

Renewed consent will be obtained where required by law.

16. Changes to This Notice

This Notice may be updated as Runway, its providers and its data practices develop.

The effective date and version number will be updated. Material changes will be communicated through Runway or by another reasonable method.

A new purpose for processing personal data will not be introduced solely on the basis of continued use where applicable law requires notice, consent or another legal basis.

17. Contact and Complaints

Privacy questions, access requests, deletion requests, complaints and suspected security incidents may be submitted through the Contact Support function within Runway.

A dedicated privacy email address, registered address and full details of the licensed operator will be published before Runway is made publicly or commercially available.

Users may also have the right to complain to the data-protection authority having jurisdiction over their personal data.