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Terms of Service

Last updated: June 4, 2026

These Terms of Service ("Terms") govern your access to and use of the websites, mobile applications, and services of My Property Vault, LLC ("My Property Vault," "we," "us," or "our") (collectively, the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility & Accounts

You must be at least 18 years old to create an account. You are responsible for the accuracy of your account information and for keeping your credentials secure. You are responsible for all activity under your account.

2. The Service

My Property Vault helps you document, organize, and value the contents and condition of your home, and generate reports for purposes such as insurance, estate planning, and asset division. Features and availability may change over time.

Important — not professional advice. My Property Vault is a documentation and organization tool. Values shown (including AI-generated estimates) are estimates only and are not appraisals, and the Service is not insurance, legal, tax, or financial advice. It does not guarantee any insurance payout, claim outcome, or legal result. Always rely on your insurance policy terms and consult qualified professionals (such as a licensed appraiser, insurance adjuster, attorney, or accountant) for important decisions.

3. Your Content

You retain all ownership of the content you add to your vault ("Your Content"). You grant us a limited license to host, store, process, and display Your Content solely to provide and improve the Service — including sending photos to our AI provider to build your inventory, as described in our Privacy Policy. You are responsible for Your Content and represent that you have the right to submit it.

4. Acceptable Use

You agree not to: (a) use the Service for any unlawful purpose; (b) upload content that infringes others' rights or that you have no right to share; (c) attempt to access another user's vault or data; (d) interfere with, disrupt, or reverse-engineer the Service; or (e) use the Service to build a competing product.

5. Subscriptions, Billing & Free Promotions

  • The Service offers a free tier and a paid Premium subscription billed annually. Prices are shown in the app and may change with notice for future terms.
  • Paid subscriptions are processed by Stripe and renew automatically each year unless cancelled before the renewal date. You can cancel at any time; cancellation takes effect at the end of the current paid period.
  • Promotional offers (such as a free first year via a promo code) apply as described at the time of the offer. After a free promotional period ends, continued access to paid features requires an active paid subscription.
  • Except where required by law, payments are non-refundable.

6. Intellectual Property

The Service, including its software, design, branding, and content (excluding Your Content), is owned by My Property Vault and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal or internal business purposes, subject to these Terms.

7. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or that AI-generated descriptions or values will be accurate or complete.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MY PROPERTY VAULT AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, PROFITS, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR (B) US $100.

9. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms or to protect the Service or other users. Sections that by their nature should survive termination will survive.

10. Changes to These Terms

We may update these Terms from time to time. We will post the updated version here with a new "Last updated" date and, where appropriate, notify you. Your continued use of the Service after changes take effect constitutes acceptance.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located in Florida, and you consent to their jurisdiction.

12. Contact

My Property Vault, LLC
Email: support@mypropertyvault.com
Phone: 888-VAULT-00

These Terms are provided for general informational purposes and should be reviewed by your legal counsel before launch.
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