Clad vs Rateo

Clad makes tuition and childcare payments simple — for schools, childcare providers, and the families they serve. For schools and childcare providers: • Record tuition obligations and invite guardians to enroll in payment plans • Automated payouts through Stripe, with clear reconciliation and reporting • Real-time visibility into who has paid, who is overdue, and what is in arrears • Bulk-manage enrollment, plans, and refunds in a single dashboard For parents and guardians: • See exactly what is owed for your child's tuition or childcare • Set up flexible payment plans that fit your budget • Pay automatically by card or bank account, with no late nights chasing invoices • Get receipts, reminders, and a complete payment history in one place Why Clad: • Payments processed by Stripe — your card and bank details are never stored on Clad's servers • Designed for schools, after-school programs, daycares, and preschools • Secure by default: TLS in transit, encryption at rest, and role-based access controls • Friendly support from a US-based team Whether you run a single preschool or a network of childcare centers, Clad gives your team less paperwork and your families more peace of mind. Privacy Policy: https://cladedu.com/privacy-policy Terms of Use: https://cladedu.com/terms-of-use Support: support@cladpayments.com

Never miss an installment again. Every "pay later" provider has its own app, its own calendar and its own reminders. Rateo brings them all together in one place: a clear view of what you owe, to whom, and when, including installments on credit cards and bank accounts. Download Rateo and stop chasing due dates scattered across ten different apps. WHAT IT DOES - A dashboard with all your active plans, sorted by due date - A calendar to see what is due in the coming days - Reminders so a charge never catches you off guard - Add a plan in seconds: provider, amount, number of installments, first due date - Mark installments as paid and track what is left to pay YOUR DATA STAYS YOURS No account, no login. Your plan data stays on your phone and is never sent to a Rateo server (we don't have one). If you buy PRO, the purchase goes through the App Store via RevenueCat, using an anonymous ID. WITH RATEO PRO - Unlimited plans (the free version includes up to 3 active plans) - Purchase simulator: see how a new purchase changes your upcoming months before you buy - Spending analytics by month, provider and category - Wishlist, to evaluate a purchase before turning it into a real plan - Data backup and JSON export Rateo is not a loan, mortgage or investment app: it does not provide credit and does not replace your provider or your bank. It is simply the tool you were missing to keep everything under control. SUBSCRIPTION Rateo PRO is available as an auto-renewing annual subscription or as a one-time Lifetime purchase. Payment is charged to your Apple ID account at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time in your Apple ID account settings. Privacy Policy: https://sites.google.com/view/rateo-bnpltracker Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/