Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") are a binding agreement between you and VApp Creation, LLC, doing business as My Personal Valuables ("we," "us," "our," or "Company"), governing your access to and use of the My Personal Valuables mobile application (the "App") and any related services (collectively, the "Service").

By creating an account, downloading, installing, or using the App, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not access or use the App.

You must be at least 18 years old to create an account or use the Service. The App does not currently verify age at signup; by creating an account, you represent that you meet this requirement.

2. Description of Service

My Personal Valuables is a home inventory application that allows users to document personal property for insurance, moving, and estate purposes. The Service includes:

• Photo Inventory — capturing photos of belongings and organizing them by category and subcategory (e.g., Electronics, Jewelry, Firearms) and, separately, by user-defined Rooms. Each item may be assigned both a room and a category.
• AI Create — an optional feature that uses a third-party AI image-analysis service to suggest item identification, brand, and estimated value from a photo, for your review before saving. See Section 6 (AI-Generated Content) for important limitations on these estimates.
• Voice Input — entering item details by voice with automatic parsing into structured fields.
• Moving Assistant — organizing items into boxes with printable QR code labels for moving purposes.
• Secure Documents — storage for documents such as receipts, appraisals, and titles. By default, Secure Documents are stored on your device only; you may separately enable cloud sync. See Section 8 (Data, Documents & Backup).
• Export & Claims Reporting — generating PDF, CSV, or signed PDF reports of your inventory for your own use (for example, providing documentation to your insurer or agent).
• Insurance Coverage Analysis — an informational comparison of your recorded inventory value against typical U.S. homeowners' or renters' insurance policy limits. See Section 7 (Insurance-Related Features).

3. User Accounts

3.1 Account Creation

• You must create an account to use the App.
• You must provide accurate and complete information and keep it up to date.
• You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Responsibilities

• You are responsible for all activity that occurs under your account.
• You must notify us promptly at the contact address below of any unauthorized use of your account.
• You may not share your account credentials with third parties or allow others to access the Service through your account, except as expressly permitted under a Family Plan (Section 4.3).

4. Subscriptions & Billing

4.1 Free Tier

• The free tier is limited to 10 inventory items and basic features.

4.2 Premium Subscription

• Monthly: $4.99, billed monthly.
• Annual: $39.99, billed annually.
• Premium subscribers receive unlimited inventory items and access to all premium features, including Secure Documents, AI Create, Export & Claims Reporting, Insurance Coverage Analysis, and Underwriting Review Submission.

4.3 Family Plan

• Monthly: $9.99, billed monthly.
• Annual: $89.99, billed annually.
• Family Plans allow multiple family members to share access to premium features under a single subscription, subject to the App's family-sharing functionality on your platform.

4.4 Promotional Offers

From time to time we or our distribution partners (including insurance agencies) may offer promotional pricing, extended trial periods, or discount codes. The specific terms of any such offer — including price, duration, and eligibility — will be presented to you at the time the offer is made and, where applicable, will be reflected in the purchase confirmation from Apple or Google. Promotional terms take precedence over the standard pricing in this Section for the duration of the offer.

4.5 Payment, Auto-Renewal, and Cancellation

• Payment is processed through the Apple App Store (iOS) or Google Play (Android), depending on the platform on which you purchased your subscription.
• Apple App Store subscribers: Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period, at the price you agreed to at purchase (or the then-current promotional price, if applicable). You can manage and cancel your subscription by going to your Account Settings in the App Store after purchase. No cancellation of the current subscription is allowed during the active subscription period, but you may continue to use the Service until the end of that period.
• Google Play subscribers: Subscriptions are billed and auto-renew through your Google Play account under Google Play's then-current billing and subscription terms. You can manage and cancel your subscription through Google Play account settings.
• We do not process payments directly and cannot cancel your subscription on your behalf. Cancellation must be completed through your Apple ID or Google Play account settings, as applicable.
• Refunds are governed by Apple's or Google's applicable refund policies, not by us. We do not directly issue refunds for subscription charges.

5. Eligibility & Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms;
• Upload content that infringes the intellectual property or privacy rights of others;
• Attempt to gain unauthorized access to the Service, other users' accounts, or our systems;
• Reverse engineer, decompile, or attempt to extract the source code of the App, except as permitted by law;
• Use the Service to store or transmit content depicting illegal activity;
• Interfere with or disrupt the integrity or performance of the Service.

6. AI-Generated Content

AI Create uses a third-party AI image-analysis service to suggest item identification, brand, and an estimated monetary value based on a photograph. These suggestions are provided for your convenience only and are:

• Not an appraisal. They are not prepared by a licensed appraiser and do not constitute a professional valuation of any item.
• Estimates only. AI-generated values may be inaccurate, outdated, or based on incomplete information from the image provided.
• Not a substitute for professional advice. You should not rely on AI-generated values for insurance, tax, estate, legal, or financial purposes without independent verification, and you are solely responsible for reviewing, correcting, and confirming any AI-suggested information before saving or relying on it.
• Not a determination by any insurer. Your insurance company's own valuation methods and policy terms govern what is actually covered or reimbursed; AI Create estimates have no binding effect on any insurance policy or claim.

7. Insurance-Related Features & Our Role

We are not an insurance company, insurance agent, broker, or claims adjuster, and nothing in the Service constitutes insurance advice, a recommendation to purchase or forgo any insurance product, or a guarantee of coverage.

• Insurance Coverage Analysis compares your recorded inventory total against publicly available, typical U.S. homeowners' or renters' insurance policy limits for informational purposes only. It does not reflect your actual policy, your insurer's underwriting criteria, or any coverage determination, and should not be relied upon as a substitute for reviewing your actual policy or speaking with your insurance agent.
• Underwriting Review Submission transmits the inventory, property information, and supporting documentation you choose to submit to a third-party underwriting review service for informational assessment. Submitting a review request does not file, initiate, or adjudicate an insurance claim, and does not guarantee coverage, acceptance, or any particular outcome. Any communication you receive as a result of a submission (including estimated review timelines) comes from that third-party service, not from us, and does not create an insurer-insured relationship between you and us.
• You remain solely responsible for reviewing your own insurance policy, maintaining appropriate coverage, and communicating directly with your insurer or agent regarding any actual claim.

8. Data, Documents & Backup

• Secure Documents are stored on your device by default and are not automatically backed up to our servers unless you affirmatively enable cloud sync in the App's settings.
• If you do not enable cloud sync, loss, damage, or replacement of your device may result in permanent loss of your Secure Documents and any inventory data stored only on that device, and we will not be able to recover it for you.
• Even where cloud sync or server-stored data (such as photos and item records) is enabled, we do not guarantee against data loss, and you are responsible for maintaining your own independent backups of any information important to you (for example, exported PDF/CSV reports saved outside the App).
• We recommend periodically exporting your inventory using the Export & Claims Reporting feature and storing that export in a location you control.

9. Intellectual Property

• The App, including its software, design, graphics, logos, and trademarks (including "My Personal Valuables" and associated branding), is owned by us or our licensors and is protected by intellectual property laws. These Terms do not grant you any ownership interest in the App.
• You retain ownership of the photos, documents, and other content you upload to the App ("Your Content"). By using the Service, you grant us a limited license to store, process, and transmit Your Content solely as necessary to provide the Service to you (for example, processing a photo through AI Create, or transmitting a submission through Underwriting Review Submission at your request).
• We do not claim ownership of Your Content and do not use it for advertising or sell it to third parties.

10. Termination

• You may stop using the Service and delete your account at any time through the App's account settings or by contacting us.
• We may suspend or terminate your access to the Service if you violate these Terms, engage in fraudulent or unlawful activity, or if required by law.
• Terminating your account does not automatically cancel an active app-store subscription; you must cancel your subscription separately through your Apple ID or Google Play account settings to avoid future charges.
• Sections of these Terms that by their nature should survive termination (including Sections 6, 7, 9, 11, 12, and 13) will survive.

11. Disclaimers & Limitation of Liability

• THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
• WE DO NOT WARRANT THAT AI-GENERATED ESTIMATES, INSURANCE COVERAGE ANALYSIS, OR ANY OUTPUT OF THE SERVICE WILL BE ACCURATE, COMPLETE, OR RELIABLE.
• TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100.
• WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF DATA, LOSS OF PROFITS, OR COST OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• [CONFIRM] Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, the above limitations apply only to the extent permitted by law. Counsel should confirm this carve-out language is adequate for the jurisdictions where you have meaningful user volume.

12. Indemnification

You agree to indemnify, defend, and hold harmless VApp Creation, LLC and its officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of: (a) Your Content; (b) your use of the Service in violation of these Terms; or (c) your violation of any law or the rights of a third party.

13. Dispute Resolution & Governing Law

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws principles. [CONFIRM: Insert arbitration clause, class-action waiver, and venue provisions here if desired, per counsel's guidance.]

14. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the App or by other reasonable means (such as email) before the changes take effect. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms. The "Last Updated" date at the top of this page reflects the most recent revision.