These Terms and Conditions (“Terms”) apply to the Rain One subscription service (“Rain One” or the “Subscription”) offered through the Rain App.
IMPORTANT: These Terms apply to You when You subscribe to Rain One, as well as for each Billing Period during which You maintain a subscription to Rain One. If Rain makes one or more changes to these Terms that materially affect Rain One, Rain will provide a notice to You describing the change(s). If You decide, for any reason, to reject these Terms, You must cancel Your subscription to Rain One and stop using the Subscription.
Each time Your Subscription renews, please review the “Effective Date” of these Terms. So long as You maintain an active, fully paid subscription to Rain One, You are accepting these Terms.
IMPORTANT INFORMATION WILL BE PROVIDED TO YOU IN ELECTRONIC RECORDS, SUCH AS VIA EMAIL.
As stated in the EWA Agreement, the use of the Rain App or any part of the Services with Your mobile phone, tablet, or laptop represents Your agreement, as well as Your course of dealing, to conduct transactions and communicate with Rain via electronic methods.
These Terms include the following:
1. General Terms
2. Description of Rain One
3. Eligibility
4. Trial Period
5. Subscription Term and Automatic Renewal
6. Fees, Billing, and Payment
7. Ancillary Subscriber Benefits
8. Changes to the Included Products
9. Cancellation by You
10. Suspension and Termination by Rain
11. Effect of Employment-Status Changes
12. Refunds
13. AI Financial Health Assistant — Specific Terms
14. Data, Privacy, and Consent Records
15. Electronic Communications and Notices
16. Disclaimer of Warranties
17. Limitation of Liability
18. Indemnification
19. Arbitration Agreement and Other Terms
20. Contact
The person who downloads or uses the Rain App or uses Rain’s Site (“You”) and who subscribes to Rain One agrees to the then-current version of: (i) these Terms; (ii) the EWA Agreement; (iii) the Terms of Service that apply to the use of the Rain App or Rain’s Site; and (iv) the standalone terms governing each Rain One Included Product, including the Cover Me AI Assistant (“CMA”) Terms and Conditions, the Save for Me AI Assistant (“SMA”) (if and when available) Terms and Conditions, any cardholder agreement governing a Rain Secured Card (if and when available), the Rain Rent Cover Agreement (if and when available), and any new Included Product Rain may introduce.
Rain may, at any time, change any condition, term, or provision of these Terms, except to the extent not permitted by applicable law. This means that Rain may change: (i) these Terms in ways that may affect how Rain One operates, such as by adding new conditions or modifying Included Products; and (ii) the type or amount of any fee that may be imposed in connection with Your Rain One subscription.
Capitalized words that are not defined specifically for use in these Terms have the meanings assigned to them in the EWA Agreement or the Terms of Service that apply to the use of the Rain App or Rain’s Site, as applicable. In the event of any inconsistency among the documents in this paragraph, the EWA Agreement supersedes.
For the purposes of these Terms, the term “business day” means any day, other than Saturday, Sunday, or a U.S. federal holiday.
You may choose whether, and when, to subscribe to Rain One. Use of the Rain App for other Services is not subject to the condition of subscribing to Rain One. You may cancel Your Rain One subscription at any time in accordance with Section 9 of these Terms.
In these Terms:
“Billing Period” means the recurring monthly period for which Your Subscription Fee is charged, beginning on the day after Your Trial Period ends or, if You did not receive a free trial, the day You subscribe, whichever date is earlier, and renewing on the same calendar day of each subsequent month.
“Billing in Advance” means Rain charges Your Subscription Fee at the start of each Billing Period, in advance, for the upcoming Billing Period.
“Eligible Employer” means an employer that has a current agreement with Rain under which its employees can use Rain products, and that has not been suspended or terminated from the Rain platform.
“EWA Balance” means the dollar amount of earned but unpaid wages that You have available to access through Rain’s earned wage access (“EWA”) product at a given moment.
“Included Products” means, collectively, the products bundled into Rain One as described in Section 2.
“Linked Payment Method” means the debit card You have linked to Your Rain Account, which is used to receive EWA payouts and to bill Your Subscription Fee.
“Stripe” means Stripe, Inc., the third-party payment processor used by Rain to process subscription charges.
“Subscription Fee” means the recurring monthly fee for Rain One, subject to the pricing terms described in Section 6.
“Trial Period” means the one-month free trial period available to first-time Rain One subscribers, as described in Section 4.
Rain One is a paid monthly subscription service that provides access for You to obtain one or more of the several Rain-branded financial-health products and services into a single membership. You may, from time to time, choose to use one or more of the Rain-branded financial-health products and services, but You are not required to use all of these products and services. You may, for example, choose to use two Rain-branded products for a period of time, and then stop using one of those products; when You stop using one Rain-branded product, Your use of the other Rain-branded product is unaffected. So long as You maintain Your Subscription by timely paying the then-applicable Fee, You will be allowed access to each Rain-branded financial-health product and service that is included in the bundle for the Subscription.
PLEASE NOTE: Rain may, from time to time, modify the Rain-branded financial health products and services that are included in the bundle for the Subscription. Please see Section 8 for the terms and conditions that apply to changes in the bundle for the Subscription.
v. 6.1 (20260714)
Included Products. Subject to availability in Your state of residence and Your eligibility for each individual product, Rain One currently includes the following Included Products at no additional Subscription Fee (additional usage-based fees may apply where noted):
An AI-powered chatbot inside the Rain App that uses information from Your linked bank accounts (via Plaid) and Your Rain EWA activity to predict upcoming transactions, schedule reminders, and answer questions about Your money. The AI Financial Health Assistant is a conversational tool; the predictive and scheduling features are surfaced through the chatbot interface. Section 13 contains additional terms that apply specifically to the AI Financial Health Assistant.
An AI-powered cash-flow protection feature that monitors Your linked bank account balance and uses available EWA funds to help You maintain a safety threshold, governed by the Cover Me AI Assistant Terms and Conditions, which You must separately accept before enabling the feature.
Per-Product Suspension. In limited circumstances described in Section 10, Rain may suspend Your access to a specific Included Product without suspending Your entire Rain One subscription.
To purchase and use Rain One, You must: (i) be at least 18 years old (or the age of majority in Your U.S. state of residence, if higher); (ii) be a resident of the United States in a state where Rain One is offered; (iii) have an active Rain Account in good standing; and (iv) have a Linked Payment Method on file.
Rain One is offered only in the U.S. states where Rain has determined that Rain One may lawfully be offered. Rain may add or remove states without notice. Some Included Products may be unavailable, or may be offered on different terms, in particular states. Where that is the case, the Rain App will identify which Included Products are available to You in Your state before You subscribe.
Some Included Products require, or work better with, an active employment relationship with an Eligible Employer. Section 11 describes what happens to Your subscription if that relationship ends during a Billing Period.
When You first subscribe to Rain One, You are eligible for a free one-month Trial Period. During the Trial Period, You will have access to the Included Products available in Your state and will not be charged the Subscription Fee. You are eligible for only one (1) free Trial Period.
To start the Trial Period, You must have a Linked Payment Method on file. You will not be charged during the Trial Period, but the same Linked Payment Method will be charged at the end of the Trial Period unless You cancel first.
Before Your Trial Period auto-converts to a paid subscription, Rain will send You clear and conspicuous notices in the Rain App and by push notification at least seven (7) days before the Trial Period ends. The notice will identify: (i) the date the Trial Period ends and Your paid subscription begins; (ii) the Subscription Fee that will be charged; (iii) the Linked Payment Method that will be charged; and (iv) how to cancel before the conversion takes effect. By tapping the affirmative-consent checkbox in the trial sign-up flow, You separately consent to: (i) the automatic conversion of Your trial to a paid subscription at the then-current price; and (ii) the automatic monthly renewal of that subscription. This consent is separate from Your acceptance of these Terms.
Your Subscription begins on the date Your Trial Period ends, or, if You do not have a Trial Period, on the date on which You agree to subscribe. Each Billing Period is one (1) month.
Your Subscription automatically renews at the end of each Billing Period for another Billing Period, at the then-current Subscription Fee, unless You cancel before the renewal date as described in Section 9. Rain will charge Your Linked Payment Method at the start of each renewed Billing Period.
By subscribing, You acknowledge that: (i) Rain One is a recurring, auto-renewing subscription; (ii) You will be charged the then-current Subscription Fee at the start of each Billing Period until You cancel; and (iii) You may cancel at any time using the in-app cancellation mechanism described in Section 9.
The standard Subscription Fee is $9.99 per Billing Period. Your actual Subscription Fee may be lower. For example, Rain may offer to You a lower price for Subscription Fee if Rain has an arrangement in place with Your Eligible Employer for a discount to the price of Rain One. Once the condition(s) for the discount no longer is present, Rain may revert the price of the Subscription Fee to the standard amount. For example, if You no longer are employed by the Eligible Employer for which a discounted price applies, then Your Subscription Fee may revert to the standard price. Your current price is shown to You in the Rain App at the time You subscribe or re-subscribe to Rain One.
Your Subscription Fee is billed in advance at the start of each Billing Period for the upcoming Billing Period. The first charge occurs at the end of Your Trial Period (if applicable) or at sign-up (if no Trial Period).
You may pay Your Subscription Fee with Your linked debit card, processed by Stripe. By providing Your Linked Payment Method, You authorize Rain, through Stripe, to charge the Subscription Fee to that card on a recurring basis as described in these Terms.
If a charge to Your Linked Payment Method fails, Rain will retry the charge up to four (4) times over a seven (7)-day grace period (the "Grace Period") using Stripe's smart-retry logic. During the Grace Period, Rain will notify You of the failed payment and ask You to update Your Linked Payment Method. If Rain is still unable to process the payment by the end of the Grace Period (for example, because of insufficient funds in Your deposit account), the Subscription Fee will remain unpaid, and Rain will suspend Your access to Rain One as described in Section 10.
Rain may, in its sole discretion, change the terms or conditions that apply to the standard Subscription Fee. If Rain raises the price of the Subscription Fee or changes a material term relating to how You must pay Your Subscription Fee, Rain will provide notice to You about the change(s). Unless applicable law otherwise requires, Rain will provide notice to You, in writing, at least 45 days prior to the effective date for the increase(s) in the price of the Subscription Fee or other change(s) to a material term relating to how You must pay Your Subscription Fee.
Subscription Fees do not include any taxes that may be owed related to Rain One. Where required by law, Rain will collect and remit applicable sales, use, or similar taxes.
As a Rain One subscriber, You may also receive benefits from other Rain products that are not part of the Rain One bundle. These benefits may be added, modified, or removed at any time.
From time to time, Rain may offer additional discounts to Rain One subscribers on other Rain products. Any such discounts will be identified in the Rain App and may be added, modified, or removed at Rain’s discretion.
Rain may add, remove, or modify Included Products. A “Material Change” is one that, in Rain’s reasonable determination, materially reduces the value of Rain One to a typical subscriber (for example, removing an Included Product). For any Material Change, Rain will give You at least thirty (30) days’ written notice, and You may cancel without penalty before the change takes effect.
You may cancel Your Rain One subscription at any time by going to the Subscription Settings screen in the Rain App and tapping “Cancel Subscription.” You do not need to call Rain, email Rain, or provide a reason.
If You subscribed in the Rain App, You may cancel in the Rain App. Rain does not require You to use any other channel. Rain will confirm Your cancellation in writing.
Cancellation takes effect at the end of Your then-current Billing Period. Your access to Included Products continues through the end of that paid Billing Period. You will not be charged for any further Billing Period after cancellation, unless You re-subscribe. Rain does not prorate Subscription Fees.
Cancellation of Rain One ends Your access to Included Products at the end of the Billing Period. The treatment of the Rain Rent Cover feature after Rain One cancellation is governed by the separate agreement You accepted for that product. Cancellation of Rain One will also cause the Cover Me AI Assistant and the Save for Me AI Assistant to be disabled automatically; Your existing Rainy Day Fund balance will not be affected by the cancellation of Your Rain One subscription.
Rain may suspend or terminate Your Rain One subscription immediately, without notice, if: (i) You breach these Terms, the EWA Agreement, the Terms of Service that apply to the use of the Rain App or Rain’s Site, or any separate-terms agreement applicable to an Included Product; (ii) Rain reasonably believes Your use of Rain One is fraudulent, illegal, or harmful to Rain or its users; or (iii) Rain is required to do so by applicable law or by a court or regulator.
If Rain cannot collect the Subscription Fee through Your Linked Payment Method by the end of the Grace Period, Rain will suspend Your access to Included Products or terminate Your subscription.
Rain may terminate Your subscription for any reason on at least thirty (30) days’ written notice. If Rain terminates for convenience and You have prepaid for a Billing Period beyond the termination date, Rain will refund the prepaid amount on a pro-rata basis.
In limited cases (for example, an employer-initiated compliance hold affecting one Included Product, or partner action affecting a specific Included Product), Rain may suspend a specific Included Product without suspending Your entire Rain One subscription.
If Rain suspends Your subscription, Rain will pause billing during the suspension and will not charge You for any Billing Period falling entirely within the suspension.
If You stop working for an Eligible Employer, or Your employer is no longer on the Rain platform, Your access to Rain One continues through the end of Your then-current Billing Period at Your current price, after which time Your subscription will be terminated.
If Your Eligible Employer’s relationship with Rain is terminated, the same end-of-Billing-Period transition described in Section 11(a) applies. Rain will provide notice to You consistent with applicable employer agreement obligations.
Your eligibility to use EWA is governed separately by the EWA Agreement. Your Rain One subscription does not give You EWA access, and cancellation of Your Rain One subscription does not, by itself, affect Your eligibility for EWA.
Subscription Fees are non-refundable. Rain does not provide pro-rata refunds for partial Billing Periods on cancellation by You.
Rain may, in its discretion, issue a refund or account credit in the following circumstances: (i) a billing error attributable to Rain or its payment processors; (ii) a Material Change to Rain One that takes effect mid-Billing-Period (in which case Rain may refund the remainder of that Billing Period on a pro-rata basis); (iii) Rain-initiated termination for convenience under Section 10; and (iv) where applicable law requires a refund. Granting a refund or credit in one instance does not entitle You to a refund or credit in any future instance.
The AI Financial Health Assistant is an artificial-intelligence chatbot. When You interact with it, You are interacting with software, not with a human Rain employee or a human financial advisor. The Rain App identifies the AI Financial Health Assistant as AI in a clear and conspicuous way at the start of each conversation and on request.
The AI Financial Health Assistant is a tool that provides general financial information. It is not an investment adviser, broker-dealer, financial planner, accountant, tax professional, or attorney. Information provided by the AI Financial Health Assistant is not personalized investment advice, tax advice, legal advice, or accounting advice, and should not be relied on as such. It is not required that You take any particular financial action or follow any recommendations. You are responsible for Your own financial decisions.
Data used by the AI. To answer Your questions and provide its features, the AI Financial Health Assistant uses information about You from sources including: Your Rain Account profile; Plaid-linked bank account data; Your EWA usage and earnings information; and the content of Your conversations with the AI.
Use of conversation data for model training. Rain does not currently train any model using conversation history or data.
Retention. Rain retains the content of Your AI Financial Health Assistant conversations for 30 days, subject to any litigation-hold, regulatory-retention, or fraud-prevention obligations; after the 30-day period You may delete your conversations.
If You live in Colorado, You have additional rights under Colorado law governing automated decision-making technology, effective January 1, 2027. The AI Financial Health Assistant uses automated decision-making technology that processes personal data and generates outputs — such as predictions about Your upcoming transactions and reminders about Your finances — that may influence decisions about Your access to or use of Rain’s financial services. The AI-interaction disclosure in Section 13(a) serves as the pre-decision notice that Colorado law requires before You interact with automated decision-making technology.
Rain’s collection and use of personal information in connection with Rain One is described in the Privacy Notice, which is incorporated into these Terms by reference.
Rain retains records of Your subscription consents, including the affirmative consent to auto-renewal under Section 4 and, if applicable, any standalone consent to EWA-funded billing, for at least three (3) years from the date of consent or one (1) year after the termination of these Terms, whichever is longer.
By subscribing, You consent to receive notices about Rain One electronically — in the Rain App, by push notification, by email at the address on file, or by SMS to the mobile number on file. You may change Your contact information in the Rain App. Some notices, including auto-renewal reminders, pre-conversion notices, price-change notices, and Material Change notices, will be delivered through the Rain App and at least one of email or push notification.
Notices to Rain under these Terms should be sent to: Rain Technologies Inc., Attn: Legal, 209 10th Ave S Ste 160, Nashville, TN 37203, or via email to care@rain.us.
RAIN ONE IS PROVIDED “AS IS” AND “AS AVAILABLE.” RAIN MAKES NO WARRANTY OR REPRESENTATION, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF ANY INFORMATION, RECOMMENDATION, PREDICTION, OR OUTPUT PROVIDED BY RAIN ONE OR ANY INCLUDED PRODUCT, INCLUDING THE AI FINANCIAL ADVISOR. RAIN DOES NOT WARRANT THAT USE OF RAIN ONE WILL ACHIEVE ANY PARTICULAR FINANCIAL RESULT. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RAIN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. RAIN DOES NOT WARRANT THAT RAIN ONE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RAIN SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) RAIN ONE OR ANY INCLUDED PRODUCT, INCLUDING WITHOUT LIMITATION ANY DAMAGES RESULTING FROM: (A) FAILED, DELAYED, OR ERRONEOUS PAYMENTS PROCESSED BY STRIPE OR ANY OTHER PAYMENT PROCESSOR; (B) INACCURATE, INCOMPLETE, OR DELAYED DATA FROM PLAID, YOUR FINANCIAL INSTITUTION(S), OR OTHER THIRD PARTIES; (C) ANY CALCULATION, PREDICTION, OR OUTPUT GENERATED BY THE AI FINANCIAL ADVISOR THAT DOES NOT ACCURATELY REFLECT YOUR FINANCIAL CIRCUMSTANCES; (D) THE FAILURE OF ANY INCLUDED PRODUCT TO PERFORM AS EXPECTED; OR (E) THE SUSPENSION, MODIFICATION, OR DISCONTINUATION OF RAIN ONE OR ANY INCLUDED PRODUCT.
THE FOREGOING LIMITATIONS APPLY EVEN IF RAIN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL RAIN’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO RAIN ONE EXCEED THE GREATER OF (A) THE TOTAL SUBSCRIPTION FEES YOU PAID FOR RAIN ONE DURING THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE-HUNDRED DOLLARS (US $100.00). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IN SUCH JURISDICTIONS, RAIN’S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
You agree to indemnify, defend, and hold harmless Rain and its affiliates, officers, employees, and agents from and against any claims, demands, losses, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) Your breach of these Terms; (b) Your violation of any applicable law in connection with Your use of Rain One; or (c) Your misuse of an Included Product. This Section does not require You to indemnify Rain for Rain’s own negligence or willful misconduct.
ARBITRATION NOTICE: THE EWA AGREEMENT CONTAINS AN ARBITRATION CLAUSE. EXCEPT FOR CERTAIN TYPES OF DISPUTES MENTIONED IN THE ARBITRATION CLAUSE, YOU AND RAIN AGREE THAT DISPUTES BETWEEN US REGARDING RAIN ONE OR ANY INCLUDED PRODUCT WILL BE RESOLVED BY MANDATORY BINDING ARBITRATION, AND YOU AND RAIN WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS-ACTION LAWSUIT OR CLASS-WIDE ARBITRATION, AS WELL AS YOUR RIGHT TO A TRIAL BY JURY.
The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this Section 19. The arbitration provisions of the EWA Agreement are incorporated into these Terms by reference and apply to disputes regarding Rain One and any Included Product.
Rain reserves the right to modify or discontinue Rain One, or any Included Product, temporarily or permanently. Rain will notify You in advance of Rain’s election to exercise this right. Rain shall not be liable to You or any third party in the event that Rain exercises its right to modify or discontinue any portion or all of Rain One.
The term for Rain One begins on the date You subscribe and accept these Terms, and continues until terminated. Rain and You agree that the term runs until: (i) You cancel Your Rain One subscription in accordance with Section 9; (ii) Rain suspends or terminates Your subscription in accordance with Section 10; or (iii) Rain discontinues Rain One, whichever is earlier.
Rain may modify these Terms at any time by posting updated terms in the Rain App or notifying You via email. Your continued use of Rain One after such modifications constitutes Your acceptance of the updated Terms, subject to any non-waivable rights under applicable law and to the affirmative-consent rules in Section 8.
These Terms are governed by the laws of the State of Delaware without regard to conflict-of-laws principles. Nothing in this Section restricts any non-waivable consumer-protection rights You may have under the laws of Your state of residence. Any action or claim arising under or related to these Terms that is not subject to arbitration will be heard in the state or federal courts located in Wilmington, Delaware.
These Terms, together with the EWA Agreement, the Terms of Service that apply to the use of the Rain App or Rain’s Site, the Privacy Notice, and any separate-terms agreements applicable to Included Products, constitute the entire agreement between You and Rain regarding Rain One. They supersede any prior agreement between You and Rain regarding Rain One.
Severability. If any provision of these Terms is held to be unenforceable, the rest of these Terms will remain in effect, and the unenforceable provision will be reformed to the minimum extent necessary to make it enforceable.
No Waiver. Rain’s failure to enforce any provision is not a waiver of Rain’s right to enforce it later.
Assignment. You may not assign these Terms. Rain may assign these Terms to an affiliate or to a successor in connection with a merger, acquisition, or sale of assets.
Force Majeure. Rain is not liable for any delay or failure to perform caused by events outside Rain’s reasonable control, including acts of God, government action, internet or network disruptions, or third-party-provider failures.
Headings. Headings are for reference only and do not affect interpretation.
The following Sections survive termination or expiration of these Terms: 1(a) (Defined Terms, as needed to interpret surviving provisions), 12 (Refunds, for amounts owed at termination), 14 (Data, Privacy, and Consent Records), 16 (Disclaimer of Warranties), 17 (Limitation of Liability), 18 (Indemnification), 19 (Arbitration Agreement and Other Terms), and this Section.
If You have questions about Rain One or these Terms, please contact Rain in writing at 209 10th Ave S Ste 160, Nashville, TN 37203, or by emailing care@rain.us.
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