Terms of Use

1. Agreement

These Terms of Use ("Terms") are a binding agreement between you and Stowed LLC ("Stowed", "we", "us") governing your use of MyLoot.ai (the "Service"). By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. The Service

MyLoot.ai is a personal inventory tool: you record items you own, upload photos and documents, track recorded values, and use optional AI features that identify items from photos, estimate values, and answer questions about your own records.

3. Eligibility and accounts

• You must be at least 13 years old (16 in the EEA/UK) and able to form a binding contract.
• You are responsible for your account credentials and all activity under your account.
• Provide accurate information and keep it up to date.

4. Your content

• You retain all rights to the content you upload (photos, documents, item records, notes).
• You grant Stowed a limited, non-exclusive license to host, process, and display your content solely to operate and improve the Service for you.
• You represent that you own or have the right to upload your content, and that it does not infringe anyone's rights or violate any law.
• You may export or delete your content at any time.

5. AI features and values — important disclaimer

• AI identifications, value estimates, audit suggestions, and chat answers are informational only. They are not appraisals, and not financial, investment, insurance, tax, or legal advice.
• Estimated values may be wrong. Do not rely on them alone when buying, selling, insuring, or making tax decisions — consult a qualified professional.
• Value history shows only values actually recorded in the Service; it is not a market feed.
• Loot Audit findings are suggestions, not professional advice.

6. Acceptable use

You agree not to:

• Break the law, infringe rights, or upload content that is unlawful, harmful, or fraudulent.
• Record items you do not own or have rights to, or use the Service to fence or launder goods.
• Probe, scan, or attack the Service; access other users' data; or bypass security or rate limits.
• Scrape, crawl, or bulk-export the Service, or reverse engineer it except where the law allows.
• Use the Service to build a competing product.

7. Plans and payment

Some features may be offered under paid plans. If you subscribe, pricing, billing, and cancellation terms will be presented at purchase and form part of these Terms. Free-tier limits may change with notice.

8. Intellectual property

The Service, its design, the MyLoot.ai name and owl mark, and all software are owned by Stowed LLC and protected by law. These Terms grant you a limited, revocable, non-transferable right to use the Service; no other rights are granted.

9. Third-party services

The Service integrates third parties (e.g., Google sign-in, AI processing providers). Their terms and privacy policies govern your interactions with them; we are not responsible for third-party services.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY LAW, STOWED DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT AI OUTPUTS OR VALUE ESTIMATES WILL BE ACCURATE.

Nothing in these Terms limits rights you have under mandatory consumer-protection law, including EU/UK consumer rights, which remain unaffected.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STOWED LLC AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR (B) USD $100.

Nothing in this section excludes liability that cannot be excluded by law, including for death or personal injury caused by negligence, fraud, or — for EU/UK consumers — any liability that mandatory law does not permit us to limit.

12. Indemnification

You agree to indemnify and hold harmless Stowed LLC from claims, damages, and expenses (including reasonable attorneys' fees) arising from your content, your misuse of the Service, or your breach of these Terms, except where prohibited by law.

13. Termination

• You may stop using the Service and delete your account at any time.
• We may suspend or terminate access for breach of these Terms, illegal activity, or risk to other users, with notice where practicable.
• On termination, your right to use the Service ends; Sections 4, 5, 8, 10–14 survive.

14. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws rules.

US users: any dispute will be resolved by binding individual arbitration under the American Arbitration Association's rules, and you waive the right to a jury trial and to participate in a class action, except that either party may bring an individual claim in small-claims court. You may opt out of arbitration within 30 days of first accepting these Terms by emailing legal@myloot.ai.

EU/UK consumers: nothing in this section deprives you of the protection of mandatory provisions of the law of your country of residence, or of your right to bring proceedings in your local courts.

15. Changes to these Terms

We may update these Terms. Material changes will be announced in the app or by email at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.

16. Contact

Stowed LLC · legal@myloot.ai · Privacy questions: privacy@myloot.ai