Terms of Service

RallyUp is a program of Von der Becke Academy Corp, a 501(c)(3) nonprofit (the "Fyht4" project). RallyUp rounds up your everyday card transactions and directs that spare change toward a collective pool intended to fund community primary care and a debt-free medical-education pipeline. RallyUp is not a bank, insurer, or licensed healthcare provider, and membership is not health insurance.

To participate you link financial accounts through Plaid (to read transactions for round-up calculation) and Stripe (to process charges and subscriptions). Your bank credentials are handled by those providers and are never stored by RallyUp. By enrolling you also agree to the Plaid end-user privacy policy and the Stripe services agreement.

Each enrolled adult member voluntarily commits to generating at least $1,000 per calendar year in round-ups. Most members reach this simply through everyday spending. This commitment is a core part of how the collective model is funded.

If your round-ups fall short of $1,000 in a given year, you agree — voluntarily and only by opting in during enrollment — to cover the difference by one method you select:

• Authorized payment (Stripe):you pre-authorize RallyUp to charge your linked payment method for the remaining difference (the "shortfall") after the year closes.
• Voluntary tax-refund contribution: you elect to direct a portion of a tax refund toward your shortfall. RallyUp does not, and cannot, intercept, garnish, or access your tax refund; this is a contribution you choose to make.
• Voluntary paycheck contribution: you elect to contribute toward your shortfall from your pay. RallyUp does not, and cannot, garnish wages; any payroll arrangement is one you set up voluntarily.

Plain-language summary: RallyUp has no power to garnish your wages or seize your tax refund — only a court or government agency can do that. The only automatic collection is the Stripe charge you expressly authorize, and only for the amount needed to reach $1,000. You can change your method or cancel future authorizations from your dashboard before a year closes.

Healthcare benefits under RallyUp are designed at the household level. As a condition of household participation, every member of your household aged 18 or older must enroll as an adult member, accept the voluntary annual round-up commitment described in Section 3, and link their own qualifying account. A household is not considered fully enrolled until all adult members have completed enrollment.

Household members under 18 do not generate round-ups and do not carry the annual commitment. Instead, each enrolled minor is covered by a flat healthcare fee of $20 per month ($240 per year), billed through Stripe to the primary account holder. This fee continues monthly until the minor is removed from the household or reaches 18, at which point they must enroll as an adult member.

RallyUp detects qualifying card transactions, rounds them up, and collects the accumulated round-ups via your linked payment method. Apart from the unavoidable payment-processing costs charged by our payment processor, RallyUp does not retain any portion of your round-ups at collection— the full amount is tracked and earmarked toward the purpose you choose (the collective care pool, or your own debts on the Debt-Free path). RallyUp's own administrative fee is charged only when an enrolled debt is paid down on your behalf, as described in Section 7.

As an alternative to the healthcare purpose, an enrolled member may choose the Debt-Free path for their round-up contributions. Round-ups are still collected the same way and, as in Section 6, the full amount of your round-ups is tracked and earmarked toward settling your own enrolled debts. The two purposes are mutually exclusive: while on the Debt-Free path your RallyUp care benefit is paused, and the voluntary annual round-up commitment in Section 3 continues to apply. You may switch purposes from your dashboard, prospectively.

How your funds are used. Contributions across Debt-Free members are pooled and applied to enrolled debts so they are paid down faster than any one member could manage alone, and you are always credited the full amount of your own round-ups toward your own debts.

Administrative fee (charged only at payout). When RallyUp pays down or settles one of your enrolled debts on your behalf, a 10% administrative fee is retained from that payout, and the remainder is paid to your creditor. For example, of $100 disbursed from your accumulated balance, $90 is paid to your creditor and $10 is retained by RallyUp as its fee. This is the only fee RallyUp charges on the Debt-Free path: nothing is taken from your round-ups as they are collected — the fee applies solely at the time a debt is actually paid.

Leaving the program early — repayment of advanced funds. Because contributions are pooled, the program may pay down or settle your enrolled debts faster than you have personally contributed, advancing other members' funds toward your debts on your behalf. If you cancel your membership, switch off the Debt-Free path, or are removed from the program while the total amount paid toward your enrolled debts on your behalf exceeds the total round-ups you have contributed, you agree to repay the difference. For example, if $100 has been paid toward your debts but you have contributed $40 in round-ups, the $60 difference becomes due when you leave. You authorize RallyUp to charge your payment method on file for the outstanding difference; any amount not collected that way remains payable, and this obligation survives cancellation. RallyUp will never bill you more than the amount actually advanced toward your debts beyond your own contributions, and amounts you contributed are never charged back to you.

Choosing the Debt-Free path requires you to separately review and electronically sign a Limited Authorization granting Von der Becke Academy Corp permission to contact you and your creditors and to discuss, negotiate, and seek to settle the debts you enroll. That authorization is a limited authorization for communication and negotiation only; it does not assign your debts or grant control of your accounts beyond the round-up contributions you have authorized, it guarantees no particular reduction, settlement, timeline, or outcome, and you may revoke it at any time. The authorization document and this section are working drafts and not legal, tax, or financial advice; both should be reviewed by qualified counsel before they are relied upon.

RallyUp membership is not health insurance and does not guarantee that any specific care, provider, clinic, scholarship, or outcome will be available to you. Care-team and education benefits depend on program rollout, funding levels, partner participation, and applicable law, all of which may change.

You may cancel membership, remove household members, or withdraw a shortfall authorization at any time from your dashboard; changes take effect prospectively. RallyUp may modify the program, fees, or these terms as the model is integrated, with notice for material changes. Authorized charges already initiated may not be reversible except as required by law or your card network/bank rules.

These terms are provided for transparency and do not constitute legal, tax, or medical advice. This document is a working draft for an early-stage, rolling-out program and should be reviewed by qualified counsel before relied upon. Contact us with questions before enrolling.