Terms of Use

These Terms of Use (“Terms”) form a legally binding agreement between you and AGByte Labs B.V. (“AGByte Labs”, “we”, “us”, or “our”), governing your access to and use of Vaultable and all associated services (collectively, the “Service”). Please read them carefully.

1. Acceptance of Terms

1.1 Binding Agreement

By registering for an account, accessing the App, or using any part of the Service, you agree to these Terms and our Privacy Policy, which is incorporated by reference. If you use the Service as part of another user’s workspace, you confirm that you understand and accept these Terms in that capacity.

1.2 Updates

We may update these Terms at any time. We will notify you of material changes in accordance with Section 16. Your continued use of the Service after the effective date of updated Terms constitutes acceptance.

1.3 Supplemental Terms

Certain features or subscription tiers may be subject to supplemental terms presented at the time of use. Those supplemental terms form part of your agreement with us.

2. About Vaultable

Vaultable is a home inventory and asset documentation application that enables users to photograph and document personal possessions, track warranties and return windows, organise items by location, generate coverage analysis reports, and prepare documentation for insurance and warranty claim purposes.

3. Eligibility

3.1 Age

You must be at least 16 years of age to use Vaultable. By creating an account, you represent that you meet this requirement.

3.2 Legal Capacity

You must have the legal capacity to enter into a binding agreement under the laws applicable to you. If using the Service on behalf of a legal entity, you represent that you are duly authorised to bind that entity to these Terms.

3.3 Geographic Availability

Vaultable is available where its use is lawful under applicable local law. We make no representation that the Service is available or appropriate in all jurisdictions.

3.4 Previously Terminated Accounts

If your account has previously been terminated by us, you may not create a new account or access the Service without our express prior written consent.

4. Account Registration and Security

4.1 Accurate Information

You agree to provide accurate, complete, and current information during registration and to keep your account information up to date. Providing false or misleading information may result in account suspension or termination.

4.2 Credential Confidentiality

You are responsible for maintaining the confidentiality of your login credentials and for all activity occurring under your account. Do not share your password with any third party. If you suspect unauthorised access, contact us immediately at [PLACEHOLDER: [email protected]].

4.3 One Account per Person

You may maintain only one Vaultable account per individual. Automated or bulk account creation is prohibited.

4.4 Third-Party Sign-In

If you authenticate via a third-party provider such as Google, your use of that provider’s service is subject to its own terms and privacy policies. We are not responsible for the practices of third-party authentication providers.

5. Workspace Model

5.1 Workspace Creation

A workspace is automatically created when you complete registration, and you become its owner. The workspace is the data and billing unit within Vaultable. All content you create — inventory records, documentation, media, and configuration — belongs to the workspace.

5.2 Single Workspace per Account

Each Vaultable account belongs to exactly one workspace at any time. A user invited to join another user’s workspace does not receive a separate workspace of their own.

5.3 Owner Responsibilities

As a workspace owner, you are responsible for the conduct of all members you invite, ensuring invited members are informed of these Terms and the Privacy Policy, managing the workspace subscription, and ensuring that data entered into the workspace is accurate and lawfully held.

5.4 Member Access and Content Ownership

Members you invite can access and contribute to the shared workspace in accordance with their assigned role. Content contributed by a member belongs to the workspace, not to the individual member. If a member’s access is removed, their contributed content remains in the workspace. By accepting a workspace invitation, a member acknowledges this model.

5.5 Invitation Restrictions

If the person you attempt to invite already has an active Vaultable account, the invitation cannot be issued. Each account may belong to only one workspace at a time.

6. Subscription Plans and Billing

6.1 Free Plan

A base level of the Service is available free of charge, subject to usage limits described within the App. We reserve the right to modify free plan limits with reasonable advance notice.

6.2 Paid Plans

Enhanced subscription tiers are available at the prices displayed within the App at the time of purchase. All prices are inclusive of applicable VAT unless otherwise stated.

6.3 App Store Billing

Mobile subscriptions are purchased and billed entirely through the Apple App Store or Google Play. Your purchase is subject to the applicable platform’s terms. We do not process or store your payment details. Billing disputes, refund requests for in-app purchases, and subscription cancellations for App Store purchases must be directed to Apple or Google respectively.

6.4 Renewal and Cancellation

Recurring plans renew automatically at the end of each billing period unless cancelled in advance through your device’s subscription management settings. Cancellation takes effect at the end of the current paid period; you retain access until that date.

Lifetime plans are a one-time purchase with no recurring charge.

6.5 Downgrade Behaviour

If your plan downgrades, features associated with the higher tier become inaccessible at the end of the paid period. Your data is preserved, but functionality requiring the higher tier will be restricted. Where a downgrade creates conflicts with applicable limits, you will be prompted to resolve them.

6.6 Pricing Changes

We reserve the right to change subscription pricing with at least 30 days’ advance notice via email and/or in-app notification. Price changes apply from your next renewal and do not affect your current billing cycle.

6.7 Taxes

Applicable taxes will be applied at checkout in accordance with your jurisdiction. You are responsible for any additional taxes applicable to your purchase.

7. User Content and Licences

7.1 Ownership of Your Content

“User Content” means any data, photographs, documents, notes, or other material you upload to or create within the Service. You retain full ownership of all your User Content. We claim no ownership over content you submit.

7.2 Licence Granted to Us

By submitting User Content, you grant AGByte Labs B.V. a limited, non-exclusive, non-sublicensable, royalty-free, worldwide licence to store, process, and reproduce your User Content solely to the extent necessary to:

• Deliver the Service to you and your workspace members
• Generate optimised display versions of uploaded media for use within the App
• Produce documentation exports you request through the Service
• Maintain service continuity through backup and redundancy mechanisms

7.3 Your Representations

By submitting User Content, you represent and warrant that you own or have the necessary rights to submit that content, and that your content does not infringe any third-party rights or violate applicable law.

7.4 Content Responsibility

You are solely responsible for your User Content. We reserve the right to remove content that violates these Terms or applicable law.

7.5 Data Preservation

While we implement measures to protect against data loss, we do not guarantee against loss of User Content under all circumstances. You are encouraged to maintain independent copies of important documents stored within Vaultable. Our liability for loss of User Content is limited in accordance with Section 12.

8. Camera-Verified Photography

8.1 In-App Camera Requirement

A distinguishing feature of Vaultable is that certain categories of item photographs must be captured directly through the in-app camera at the time of documentation, rather than selected from an external source. This is a deliberate design decision to support documentation credibility and ensure photographs reflect contemporaneous evidence of possession.

8.2 No Third-Party Warranty

While this feature is designed to support documentation integrity, AGByte Labs does not represent, warrant, or certify to any insurance company, warranty provider, adjudicator, court, or other third party that:

• Any item documented in Vaultable exists, is undamaged, or is as described
• Any export or documentation package generated by the Service constitutes authenticated legal evidence
• Use of the Service or its exports will guarantee acceptance of any insurance or warranty claim

The evidential weight, if any, of documentation generated by Vaultable is assessed entirely by its recipient. We make no warranty in this respect.

8.3 Prohibited Misuse

Attempts to circumvent camera requirements are prohibited. Submitting false or fabricated documentation for the purpose of insurance fraud, warranty fraud, or any other deception is a serious breach of these Terms and may result in immediate account termination and referral to law enforcement authorities.

9. Acceptable Use

9.1 Permitted Use

Vaultable is designed for personal or household use in documenting possessions and managing insurance and warranty records.

9.2 Prohibited Conduct

You agree not to use the Service to:

• Violate any applicable law or regulation
• Commit or facilitate insurance fraud, warranty fraud, or any form of deception against insurers, warranty providers, or third parties
• Submit false, fabricated, or misleading content of any kind
• Access another user’s account or workspace without authorisation
• Interfere with, disrupt, or degrade the performance of our infrastructure or services
• Attempt to reverse engineer, decompile, or extract source code or proprietary methods from the App or its underlying systems
• Systematically scrape, harvest, or extract data from the Service using automated means
• Use the Service to develop a competing product or for competitive benchmarking purposes
• Transmit malicious code or any software intended to harm the Service, our infrastructure, or other users
• Impersonate any person or entity or misrepresent your identity or affiliation
• Create accounts through automated means or under false identities

9.3 Enforcement

We reserve the right to investigate and act on conduct we reasonably believe violates these Terms, including by suspending or terminating accounts, removing content, and notifying law enforcement where appropriate.

10. Intellectual Property

10.1 Our Intellectual Property

All intellectual property in the Service — including the Vaultable name, trademark, logo, application software, user interface design, proprietary features, and all associated materials — is owned by or licensed to AGByte Labs B.V. and is protected under applicable Dutch and international intellectual property law.

You are granted a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the App in accordance with these Terms. No other rights are granted.

10.2 Restrictions

You must not copy, reproduce, modify, or distribute any part of the Service; remove any intellectual property notices; use our trademarks or branding without prior written permission; or represent that you are endorsed by AGByte Labs without our consent.

10.3 Feedback

Feedback, suggestions, or ideas you submit to us may be used by AGByte Labs B.V. without restriction or compensation. By submitting feedback, you grant us a perpetual, irrevocable, royalty-free licence to use it in any manner we see fit.

11. Disclaimers

11.1 Service Provided “As Is”

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AGBYTE LABS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

11.2 No Insurance, Financial, or Legal Advice

NOTHING IN THE SERVICE — INCLUDING ANY COVERAGE ANALYSIS FEATURE, SCORING TOOL, OR DOCUMENTATION EXPORT — CONSTITUTES INSURANCE ADVICE, FINANCIAL ADVICE, OR LEGAL ADVICE. ANY ANALYTICAL OR SCORING FEATURES ARE INFORMATIONAL TOOLS BASED SOLELY ON DATA YOU PROVIDE. CLAIM DOCUMENTATION EXPORTS ARE PREPARATION AIDS ONLY AND DO NOT GUARANTEE ACCEPTANCE OF ANY CLAIM BY ANY INSURER OR WARRANTY PROVIDER.

YOU SHOULD CONSULT A QUALIFIED INSURANCE PROFESSIONAL, FINANCIAL ADVISER, OR LEGAL ADVISER REGARDING YOUR SPECIFIC CIRCUMSTANCES.

11.3 Service Availability

We do not guarantee continuous, uninterrupted, or error-free access to the Service and may suspend or modify any part of it at any time.

11.4 Third-Party Services

We are not responsible for the availability, accuracy, terms, or conduct of any third-party services integrated with or linked from Vaultable.

11.5 Consumer Statutory Rights

Nothing in this Section or elsewhere in these Terms excludes any non-waivable statutory rights you may have as a consumer under applicable EU or Dutch law.

12. Limitation of Liability

12.1 Exclusion of Indirect Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AGBYTE LABS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE — INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, SERVICE INTERRUPTION, OR COST OF SUBSTITUTE SERVICES — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.2 Aggregate Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AGBYTE LABS’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF:

(a) THE TOTAL AMOUNTS YOU HAVE PAID TO AGBYTE LABS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR

(b) ONE HUNDRED EUROS (€100).

12.3 Mandatory Exceptions

NOTHING IN THESE TERMS LIMITS LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE, FRAUD OR FRAUDULENT MISREPRESENTATION, OR ANY LIABILITY THAT CANNOT BE LAWFULLY LIMITED UNDER APPLICABLE EU OR DUTCH LAW.

12.4 Allocation of Risk

The limitations in this Section reflect a reasonable allocation of risk and are an essential basis of the agreement between you and AGByte Labs.

13. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless AGByte Labs B.V. and its officers, directors, employees, agents, and successors from any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising from: your use of the Service in violation of these Terms or applicable law; your User Content; or any act of fraud facilitated through your use of the Service.

We reserve the right to assume control of the defence of any such matter at our own expense.

14. Termination and Suspension

14.1 Termination by You

You may terminate your account at any time through the account deletion feature in the App. Your data will be handled in accordance with our Privacy Policy.

14.2 Termination or Suspension by Us

We reserve the right to suspend or terminate your access with or without prior notice where you have breached these Terms, where we reasonably suspect fraudulent or unlawful activity, or where continued provision would expose us or other users to harm or legal liability. Where lawfully permissible, we will notify you of the reason.

14.3 Effect of Termination

Access ceases immediately upon termination. Data is handled per our Privacy Policy. Provisions that by their nature survive — including Sections 7.2, 10, 11, 12, 13, and 15 — remain in effect.

14.4 Refunds on Our-Initiated Termination

If we terminate your account other than for your breach, we will provide a pro-rated refund for any unused prepaid subscription period where we are the billing party. App Store purchases remain subject to Apple or Google’s refund policies.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms and any dispute arising from or in connection with them shall be governed by the laws of the Netherlands, without regard to conflict of law provisions.

15.2 Jurisdiction

Subject to Section 15.3, disputes shall be subject to the exclusive jurisdiction of the competent courts of Amsterdam, the Netherlands.

15.3 Consumer Rights

If you are an EU consumer, you may benefit from mandatory consumer protections under your country’s law. Nothing in these Terms deprives you of those protections. You may be entitled to bring proceedings in your local courts where mandatory local law so requires.

15.4 EU Online Dispute Resolution

The European Commission provides an online dispute resolution platform at https://ec.europa.eu/consumers/odr. Our contact address for ODR purposes is: [PLACEHOLDER: [email protected]].

15.5 Informal Resolution First

We encourage you to contact us at [PLACEHOLDER: [email protected]] before initiating formal proceedings. We will make a genuine effort to resolve disputes promptly and informally.

16. Changes to These Terms

We may update these Terms at any time. For material changes, we will update the effective date, notify you by email and/or in-app notification, and provide at least 30 days’ advance notice before changes take effect.

Your continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the Service and delete your account before the effective date.

17. Severability and Entire Agreement

17.1 Severability

If any provision is found unenforceable, it will be modified to the minimum extent necessary or severed, without affecting the remainder.

17.2 Entire Agreement

These Terms, together with the Privacy Policy and any supplemental terms, constitute the entire agreement between you and AGByte Labs regarding the Service and supersede all prior understandings.

17.3 No Waiver

Our failure to enforce any provision does not constitute a waiver of our right to enforce it in future.

17.4 Assignment

You may not assign your rights or obligations without our prior written consent. We may assign these Terms in connection with a corporate transaction, with reasonable prior notice to you.

17.5 Language

These Terms are written in English. In the event of a conflict between any translation and the English version, the English version prevails.

18. Contact

General enquiries and support

Privacy and data rights

Legal notices