Consumer Terms of Service

1. Introduction and Scope

These Consumer Terms of Service (the “Agreement”) govern the relationship between Rukkor AB, a company registered in Sweden (“Rukkor”, “we”, “us”, or “our”), and you, a consumer — a natural person who uses Rukkor wholly or mainly for purposes outside your trade, business, craft, or profession (“you”).

This Agreement applies only to the Rukkor platform: a sovereign, EU-hosted platform for communication, meetings, file storage, project management, community and social spaces, and AI-assisted workflows, operated without behavioural tracking or third-party advertising technologies inside the product. Business use of Rukkor, and the Geometra product, are governed by their own separate terms.

Nothing in this Agreement limits or removes the mandatory rights you have under applicable consumer protection law. Where you are resident in Sweden these include the Consumer Sales Act (konsumentköplagen), the Distance and Off-Premises Contracts Act and the Consumer Contract Terms Act; where you are resident elsewhere, the mandatory consumer protection law of your country of residence applies in addition to this Agreement. If any term conflicts with such mandatory rights, those rights prevail.

Rukkor is offered to consumers in the countries where we make it available for purchase at checkout. We may add or withdraw countries and may decline or restrict access where we cannot meet local legal or tax requirements or where a country is subject to sanctions. The consumer-protection and tax rules of your country of residence apply in addition to this Agreement.

By creating an account, activating a subscription, or using Rukkor — including during a free trial — you agree to be bound by this Agreement. You must be at least 18 years old to open an account; accounts for children are set up and administered by a parent or legal guardian, as described in the account section below.

2. Definitions

• “Agreement” means these Consumer Terms of Service, including any documents incorporated by reference.

• “Rukkor” (as a product) means Rukkor’s platform for communication, meetings, file storage, project management, community and social spaces, and AI-assisted workflows.

• “Service Fee” means the subscription fee for your chosen plan, as set out on Rukkor’s pricing page.

• “Your Content” means all data, content, and files you upload, store, or process through Rukkor.

• “Trial Period” means a free evaluation period of up to thirty (30) days, where offered by Rukkor.

3. Your Account and Right to Use Rukkor

Rukkor grants you a non-exclusive, non-transferable, personal right to access and use Rukkor for the term of this Agreement, in accordance with the documentation and these terms.

You are responsible for keeping your login details confidential and for activity under your account. You may not share or resell your account, attempt to derive the source code of the Services, or use Rukkor in a way that disrupts its integrity or availability.

Who can open an account. To open an account and accept these terms you must be at least 18 years old and able to enter into a binding contract. The account holder is responsible for the account, for all use of it, and for any fees.

Family accounts for children. A parent or legal guardian may set up and administer a supervised account or profile for their child. In that case the parent or guardian is the account holder and the party bound by these terms, consents to Rukkor’s processing of the child’s personal data, exercises the child’s data-protection rights, and is responsible for the child’s use of Rukkor. The parent or guardian can configure controls, review activity, and delete the child’s account or profile at any time.

Children under the digital age of consent. A child below the digital age of consent that applies in their country (13 in Sweden, up to 16 in some countries) may use Rukkor only as a supervised profile under a parent’s or guardian’s account, and only with that parent’s or guardian’s consent, which may be withdrawn at any time. Additional protections apply to these profiles.

Older minors. A young person who has reached the digital age of consent but is under 18 still needs a parent or guardian to set up and administer the account, because a minor cannot enter a binding contract, and may use Rukkor under the parent’s or guardian’s supervision and controls.

Turning 18. When the child reaches 18, the right to the account passes to them: the young person becomes the account holder and the party to these terms, and the parent’s or guardian’s administration ends unless the young person asks for it to continue.

4. Free Trial

Where Rukkor offers a free Trial Period, you may access the Services without charge for that period, subject to all terms of this Agreement except those relating to payment. Rukkor may modify, limit, or end the Trial Period at any time. At its end, continued access requires activation of a paid subscription. Data created during a Trial Period is subject to the same retention terms as other your data.

5. Acceptable Use

You must use the Services in compliance with applicable law and must not:

• store, transmit, or process content that is unlawful, fraudulent, defamatory, or infringes the rights of others;

• attempt to gain unauthorised access to any system, network, or data;

• use the Services to transmit unsolicited communications (spam);

• reverse engineer, decompile, or attempt to derive source code from the Services;

• use the Services in a way that interferes with or disrupts their integrity or availability;

• use AI-powered features to generate content that violates applicable law or Rukkor’s usage policies.

6. User-Generated Content

Where the Services allow you to post or share content, a zero-tolerance policy against abuse applies. It is prohibited to post, transmit, or share content that is objectionable, abusive, defamatory, hateful, harassing, obscene, or otherwise unlawful.

Following a report, Rukkor may, without prior notice and within 24 hours, remove offending content and suspend or eject the responsible account, and may suspend access immediately where a material breach is suspected, pending investigation. Where access is suspended or terminated, we will tell you the reason and, where the matter can be remedied, give a reasonable opportunity to do so, unless prevented by law or court order.

7. The Service and Hosting

Rukkor provides the Services with reasonable care and skill and in accordance with the documentation, and takes commercially reasonable steps to maintain functionality and availability. Planned maintenance is communicated in advance where reasonably practicable. Rukkor does not commit to a specific uptime percentage and is not liable for interruptions outside its reasonable control.

Data hosting. All Customer Data and content within the Rukkor product is hosted exclusively on servers located within the European Union, operated through Rukkor’s own EU pipeline and EU-based infrastructure providers. Full details of infrastructure and sub-processors are maintained in Rukkor’s Trust Center and Privacy Policy.

8. No Surveillance Inside the Product

Inside the Rukkor product, Rukkor does not profile you, does not run behavioural tracking, does not use advertising or ad-tech technologies, does not sell or share your content, and does not use your content to train artificial-intelligence models for Rukkor or any third party. You are not the product.

No third party accesses your content except the AI provider, and only when AI-powered features are enabled, as described in the AI section. Analytics, advertising, and marketing technologies that Rukkor uses for its public website and commercial activities are described separately in the Privacy Policy and never operate on content inside the Rukkor product.

9. Vault

Content stored in Vault is end-to-end encrypted and is not accessible to Rukkor, our infrastructure providers, or any third party. Because it is encrypted for your access only, Vault content cannot be shared with other users through the Services. Because Rukkor cannot read Vault content, retaining the Vault access credentials is your sole responsibility; if they are lost, Rukkor cannot recover the content.

10. AI-Powered Features

AI-powered features in Rukkor are optional. They operate only when switched on, and can be switched off. When an AI-powered feature is used, the content submitted may be processed by Berget AI AB, a Swedish company that hosts open-weight AI models on infrastructure located within the EU/EEA, to generate a response. All such processing takes place within the EU/EEA.

Rukkor has entered into a data processing agreement with Berget AI. Berget does not store the prompts submitted to, or the outputs generated by, the AI models, and does not use your content to train AI models. Further details are set out in Rukkor’s Privacy Policy.

11. Technical Support

Rukkor provides support Monday to Friday from 08:00 to 17:00 (CET/CEST), excluding public holidays observed by our support team (currently based in Sweden and Norway). You can reach support through our website and the in-app help centre, where the current contact options are listed. We aim to respond to support requests within 24 to 48 hours. Support includes bug fixes, corrections, and updates necessary to maintain documented functionality, and is included in the Service Fee.

12. Your Content and Personal Data

You retain full ownership of Your Content. Rukkor claims no ownership of it and will not access, use, or disclose it except as necessary to provide the service, to comply with a legal obligation, or as described in the Privacy Policy, and subject to the No Surveillance and Vault sections above.

Rukkor takes commercially reasonable technical and organisational measures to protect Your Content. Rukkor’s processing of your personal data is described in the Privacy Policy at www.rukkor.com/legal/privacy-policy, which forms part of this Agreement.

13. Subscription Term, Renewal and Cancellation

Your subscription runs for the period you select at checkout — a monthly plan (one calendar month, 30 days) or an annual plan (twelve months, 365 days) — and renews automatically for successive periods of the same length unless you cancel.

Cancellation. You may cancel at any time through your account settings, using the same easy online method by which you subscribed; we will not require any step more burdensome than signing up, and we charge no cancellation fee. Cancellation takes effect at the end of your current paid period, you keep access until then, and you are not charged for any further period.

Renewal reminders. Where required by law, we will remind you before an automatic renewal of a longer-term subscription and tell you how to cancel. You will not be locked into a renewed fixed term you cannot cancel with effect from the end of the then-current period.

14. Data Upon Termination or Expiry

While active. You may export your data at any time using the export functionality within the Services.

After termination or expiry. Rukkor retains your data for up to three (3) years after the subscription ends, in line with the Privacy Policy, during which you may reactivate and export it. After that period it is permanently deleted. It is your responsibility to export anything worth keeping before cancelling.

15. Suspension and Termination

You may stop using Rukkor and cancel at any time as described in the Subscription Term section. We may suspend or terminate your access where you materially breach this Agreement, fail to pay the Service Fee, or pose a security risk to the service or other users. Except where immediate action is required by law or to protect the service or others, we will give you notice and, where the breach can be remedied, a reasonable opportunity to do so before terminating.

16. Fees and Payment

Prices include applicable tax. All prices shown to you as a consumer include any VAT, GST, sales tax, or other tax applicable in your country (and where relevant region) of residence, plus any other mandatory charges. Because tax rates differ between locations, the final price may vary by location. Rukkor AB is the seller of record, and Rukkor (or its payment processor acting on Rukkor’s behalf) collects and remits the applicable tax. The total price, including tax, is shown in the applicable currency before you confirm your purchase.

Payment. Service Fees are paid by debit or credit card. You authorise Rukkor and its payment processor to charge the Service Fee at the start of each billing period and the recurring fee for each renewal period until you cancel. If a payment fails, we may retry and may suspend access until payment is received.

Price changes. We may adjust the Service Fee with clear advance notice. An increase applies only from your next billing period, and you may cancel before it takes effect if you do not accept it.

17. Right of Withdrawal (Ångerrätt)

We grant every consumer a right to withdraw from this Agreement within fourteen (14) days of the day it is concluded, without giving any reason. Where the law of your country of residence grants a longer or more favourable withdrawal right, that right applies instead.

How to withdraw. Inform us by a clear statement — for example, an email to support@rukkor.com. You may use a model withdrawal form, such as the one published by the consumer authority in your country, but do not have to. Sending your communication before the deadline is sufficient to meet it.

Effect. We refund all payments received from you without undue delay and within fourteen (14) days of being informed, using the same means of payment, unless you agree otherwise.

Starting during the withdrawal period. If you ask us to begin the service during the 14-day period, you expressly request this and acknowledge you lose the right of withdrawal once the service is fully performed. If you withdraw after the service has begun but before it is fully performed, you pay an amount proportionate to what was provided.

18. Intellectual Property

All intellectual-property rights in the Services, documentation, and technology developed by Rukkor — including software, interfaces, algorithms, and designs — remain Rukkor’s sole and exclusive property. No rights are transferred except the limited licence expressly granted in this Agreement. Feedback or suggestions provided by you may be used by Rukkor without restriction or obligation.

19. Conformity and Your Statutory Remedies

We are responsible for ensuring Rukkor conforms to this Agreement and to the requirements of the Consumer Sales Act for digital services — that it matches its description, is fit for the purposes such services are normally used for, and is supplied with the updates you may reasonably expect.

If something is wrong. If the service does not conform, you are entitled to have the fault remedied free of charge and, where it is not remedied within a reasonable time or the fault is significant, to a proportionate price reduction or to terminate and receive a refund for the affected period. These statutory rights apply in addition to, and are not limited by, any other term. Any “as is” disclaimer that may apply to business customers does not apply to you.

20. Intellectual Property Infringement

If the Services are held to infringe a valid third-party intellectual-property right, Rukkor may at its option and expense: (a) procure the right for you to continue using the Services; (b) modify them to be non-infringing while maintaining material functionality; (c) replace them with a non-infringing equivalent; or (d) terminate this Agreement and refund the pro-rata Service Fee for the unused term.

21. Liability

We are liable for damage we cause you in accordance with applicable law, including the Consumer Sales Act. We do not exclude or limit liability for death or personal injury caused by our negligence, for fraud, for gross negligence or wilful misconduct, or for any other liability that cannot be limited under mandatory law. Subject to the foregoing, we are not liable for losses that were not reasonably foreseeable or that arise from circumstances beyond our reasonable control.

22. Force Majeure

Neither party is liable for delay or failure to perform due to circumstances beyond its reasonable control, including natural disasters, war, cyberattacks, infrastructure failures, or government actions. The affected party shall notify the other promptly and take reasonable steps to minimise the impact.

23. Complaints and Dispute Resolution

Contact us first. If you are unhappy with the service, contact us at support@rukkor.com so we can try to resolve the matter.

Out-of-court dispute resolution. If we cannot resolve a complaint, consumers resident in Sweden may refer the dispute to the Swedish National Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN), www.arn.se or ARN, Box 174, 101 23 Stockholm, where ARN’s requirements are met; ARN’s decisions are recommendations and Rukkor will take part. If you are resident in another country, you may also have access to the consumer dispute-resolution bodies available there.

Governing law and courts. This Agreement is governed by Swedish law. As a consumer, you also keep the protection of mandatory provisions of the law of your country of habitual residence, and you may bring or defend proceedings in the courts of your country of residence.

24. Changes to This Agreement

We may update these terms from time to time, for example to reflect changes in the service or the law. For changes affecting your rights or obligations, we will notify you by email or a prominent in-service notice a reasonable time before they take effect. If you do not accept a change that is to your disadvantage, you may cancel before it takes effect. The current version is always available at www.rukkor.com/legal/terms-of-service-consumer.

25. Sanctions, Export Control and Territory

You are not located in, resident in, organised under the laws of, or owned or controlled by a party in, any country or territory subject to comprehensive EU, UN, United Kingdom, or U.S. economic sanctions, and are not listed on any applicable sanctions or restricted-party list. You shall not access, use, export, or re-export the Services in violation of applicable export control or sanctions laws. Rukkor may suspend or terminate access where it reasonably believes this section is or may be breached. The Services are operated from within the European Union.

26. Additional Terms for Apps from the Apple App Store

This section applies only where the Rukkor application is obtained through the Apple App Store (an “Apple-Sourced Application”) and supplements the rest of this Agreement; in case of conflict, this section governs for the Apple-Sourced Application.

Acknowledgement. This Agreement is between you and Rukkor only, not Apple Inc. (“Apple”). Apple is not responsible for the Apple-Sourced Application or its content. The licence is limited to use on Apple-branded devices owned or controlled by you, per the App Store Usage Rules.

Maintenance, support and warranty. Rukkor, not Apple, is responsible for maintenance and support and for any product warranties to the extent not effectively disclaimed; nothing here limits mandatory statutory rights. If the application fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation.

Claims and intellectual property. Rukkor, not Apple, is responsible for claims relating to the Apple-Sourced Application, including product-liability, regulatory, and consumer-protection claims, and any third-party claim that it infringes intellectual-property rights.

Legal compliance. You are not in a country subject to a U.S. Government embargo or designated as “terrorist supporting”, and are not on any U.S. Government prohibited or restricted-party list.

Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of this section and may enforce it against you.

27. General

Entire agreement. This Agreement, together with Rukkor’s Privacy Policy and, where applicable, the Data Processing Agreement, is the entire agreement between the parties on its subject matter and supersedes all prior agreements and understandings.

Severability. If any provision is unenforceable, the remainder continues in full force; any provision that would reduce a consumer’s mandatory rights is replaced by those rights.

Waiver. Failure to enforce any provision is not a waiver of the right to enforce it later.

Notices. Notices are sent by email to your registered email address, or to support@rukkor.com for notices to Rukkor.

Provider. The Services are provided by Rukkor AB, a company registered in Sweden. Contact: support@rukkor.com.

Rukkor AB — Private individuals (consumers) using Rukkor — global edition — Version dated 11 August 2026