Terms & Conditions

By registering for or using AssetVault AI, you represent that you are at least 18 years of age (or the legal age of majority in your jurisdiction), that you have the legal authority to enter into these Terms, and that you agree to comply with all applicable laws and regulations.

AssetVault AI is a cloud-based personal property inventory and insurance management platform that allows users to:

• Document, photograph, and value personal property for insurance purposes.
• Organize inventory into directories and categories.
• Generate AI-powered insurance claim reports, coverage gap analyses, and market value estimates.
• Record and track insurance claims and communications.
• Share inventory data securely with designated third parties (e.g., insurance agents).
• Export inventory and claim reports in various formats.

The Service is provided as a tool to assist with personal property documentation. It does not constitute insurance advice, legal advice, or financial advice.

You must create an account to use the Service. You agree to provide accurate and complete information during registration and to keep your account credentials confidential. You are responsible for all activity that occurs under your account.

Notify us immediately at support@assetvaultai.com if you suspect unauthorized access to your account. We are not liable for any losses resulting from unauthorized use of your account.

4.1 Free Tier: A limited free tier is available with basic features as described on the pricing page.

4.2 Pro Subscription: Paid subscription plans ("Pro") are available on a monthly or annual basis. Fees are charged in advance and are non-refundable except as required by applicable law or as described in Section 4.4.

4.3 Automatic Renewal: Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. You may cancel at any time through your account settings or by contacting support.

4.4 Refund Policy: If you are dissatisfied with the Service within the first 30 days of your initial paid subscription, you may request a full refund by contacting us at support@assetvaultai.com. After 30 days, refunds are issued at our sole discretion.

4.5 Price Changes: We reserve the right to change subscription pricing with at least 30 days' notice to existing subscribers.

5.1 Ownership: You retain full ownership of all data, photos, documents, and content you submit to the Service ("User Content"). You grant 386LLC a limited, non-exclusive, royalty-free license to store, process, and display your User Content solely to provide and operate the Service.

5.2 Responsibility: You are solely responsible for the accuracy of your inventory data, claim information, and any valuations you enter. The Service provides AI-generated estimates for informational purposes only; actual insurance claim outcomes depend on your policy terms and insurer decisions.

5.3 Data Export: You may export your inventory data at any time using the built-in export tools.

5.4 Data Deletion: Upon account deletion, your User Content will be deleted within 30 days in accordance with our Privacy Policy.

5.5 Inactive Accounts: We define an "Inactive Account" as a paid subscription account whose subscription has been marked as canceled or unpaid by our payment processor and has remained unpaid for a continuous period. To protect your data and comply with data minimization principles under applicable privacy laws (including the Oregon Consumer Privacy Act), we enforce the following retention schedule for inactive accounts:

• 30 days after cancellation: First overdue payment notice.
• 60 days: Second notice.
• 90 days: Account at risk warning.
• 6 months: Inactivity warning.
• 12 months: Final inactivity warning.
• 24 months: Final notice — data deletion scheduled.
• 24 months + 30 days: All inventory data, photos, documents, and associated content will be permanently deleted. We retain only your name and email address in a secure administrative archive for the purpose of managing future discount eligibility.

All notices will be sent to the email address on file. Logging into your account does not reset the inactivity timer for canceled paid subscriptions. To stop the deletion process and retain your data, you must reactivate your subscription.

AssetVault AI uses artificial intelligence to generate recommendations, valuations, claim descriptions, and coverage analyses. You acknowledge that:

• AI-generated content is provided for informational and organizational purposes only and is not a substitute for professional insurance, legal, or financial advice.
• Market value estimates are approximations based on available data and may not reflect actual replacement costs or insurer-accepted values.
• Coverage gap analyses are based solely on information you provide and may be incomplete.
• You should always consult a licensed insurance professional for coverage decisions.

The Service includes claims-preparation and self-advocacy tools (the "Claims Justice Center"), including an AI Claim Denial Decoder, a State Deadline Tracker and Bad-Faith Timeline, and an AI Appeal/Demand Letter Generator. These tools help you organize and present your claim — they do not provide legal representation or legal advice.

• No attorney-client relationship. Using these tools does not create any attorney-client, adjuster-client, or fiduciary relationship between you and 386 LLC.
• AI output may be inaccurate or outdated. Denial analyses, statute references, deadline computations, and generated letters are produced by AI and may contain errors. Insurance and bad-faith laws vary by state and change over time. Always verify current statutes before relying on any deadline, and review every generated letter word-for-word before sending.
• Statutory deadlines are general guidance. The deadline figures shown are drawn from each state's Unfair Claims Settlement Practices rules and are provided as a starting point. They may not apply to your policy type, carrier, or claim. Confirm the applicable deadline for your specific situation.
• Your responsibility. You are solely responsible for the accuracy of any document you submit to your insurer, regulator, or court, and for the decision to appeal, file a complaint, or retain counsel.
• When to seek a professional. For contested, denied, or high-value matters, you should consult a licensed attorney or a licensed public adjuster in your jurisdiction. AssetVault AI may, in the future, offer referrals to such professionals; any referral is not legal advice and does not guarantee any outcome.

By using the Claims Justice Center tools, you acknowledge that you understand these limitations and that 386 LLC is not liable for any claim outcome, denial, or loss arising from your reliance on AI-generated analyses or documents.

You agree not to:

• Use the Service to submit false, fraudulent, or misleading insurance claims.
• Upload content that infringes third-party intellectual property rights.
• Attempt to reverse-engineer, scrape, or copy any part of the Service.
• Use the Service in violation of any applicable law or regulation.
• Share your account credentials with others or create multiple accounts to circumvent usage limits.
• Upload malware, viruses, or any malicious code.
• Harass, abuse, or harm other users of the Service.

Violation of these prohibitions may result in immediate account termination without refund.

The Service allows you to generate shareable links to your inventory for designated recipients (e.g., insurance agents, family members). You are solely responsible for the security and use of any links you create. You acknowledge that anyone with a valid share link can view the data within the scope you defined. Revoke links promptly if you no longer wish to share access.

The AssetVault AI platform — including but not limited to its design, layout, source code, features, workflows, user interface, branding, text, graphics, AI-powered functionality, and underlying architecture — is the exclusive intellectual property of 386 LLC and is protected under applicable copyright, trade secret, and intellectual property laws.

By agreeing to these Terms, you expressly agree that you will not, directly or indirectly, during your use of the Service and for a period of 12 months following the termination or expiration of your account:

• Copy or Clone: Copy, clone, reproduce, screen-record, or otherwise replicate the design, layout, user interface, or functionality of this platform for any purpose.
• Reverse Engineer: Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, data models, or underlying technology of this platform.
• Create Competing Works: Use your access to this platform to build, design, pitch, fund, or operate a competing product or service that is substantially similar to or derived from AssetVault AI in whole or in part.
• Unauthorized Reproduction: Use screenshots, screen recordings, documentation, workflow descriptions, or any output of this platform as a blueprint, reference, or guide for creating a competing product or service.
• Redistribute or Sublicense: License, sublicense, sell, resell, transfer, assign, or otherwise commercially exploit or make available to any third party the platform or any portion thereof without the express written consent of 386 LLC.
• Automated Data Extraction: Use bots, crawlers, scrapers, or any automated means to extract, harvest, or copy data, content, structure, or functionality from this platform.
• Brand Misuse: Use the AssetVault AI name, logo, or trademarks in a way that suggests affiliation, endorsement, or derivation without express written permission from 386 LLC.

Any violation of these provisions will be deemed a material breach of these Terms and may result in immediate account termination without refund. 386 LLC reserves the right to seek injunctive relief, damages, and any other remedies available at law or in equity. Violations may subject you to civil liability and, where applicable, criminal prosecution under applicable intellectual property and computer fraud laws.

The Service integrates with third-party providers including payment processors (Stripe), AI model providers, and cloud infrastructure. Your use of these third-party services is subject to their respective terms of service. 386LLC is not responsible for the practices, availability, or accuracy of third-party services.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR INSURANCE CLAIM OUTCOME WILL RESULT FROM USE OF THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, 386 LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR ANY INSURANCE CLAIM DENIAL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100 USD.

You agree to indemnify, defend, and hold harmless 386 LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; or (d) your violation of any third-party rights.

We may suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or any other reason at our sole discretion, with or without notice. You may terminate your account at any time through your account settings.

Upon termination, your right to use the Service ceases immediately. Sections 5, 9, 11, 12, 13, and 15 survive termination.

These Terms are governed by the laws of the United States and the state in which 386LLC is incorporated, without regard to conflict of law principles.

Any dispute arising from these Terms or your use of the Service shall first be subject to good-faith negotiation. If unresolved within 30 days, disputes shall be resolved by binding arbitration under the American Arbitration Association rules, unless you opt out within 30 days of first accepting these Terms by emailing legal@assetvaultai.com.

YOU AGREE TO RESOLVE DISPUTES INDIVIDUALLY AND WAIVE ANY RIGHT TO CLASS ACTION PROCEEDINGS.

We may update these Terms at any time. If we make material changes, we will provide at least 14 days' notice via email or in-app notification before the new Terms take effect. Continued use of the Service after the effective date constitutes your acceptance of the revised Terms.

For questions about these Terms, contact: