Terms of Service

By creating an account or using VaultWalk you agree to these Terms and our Privacy Policy. If you do not agree, do not use VaultWalk.

You must be at least 13 years old to use VaultWalk, and at least 18 (or the age of majority where you live) to purchase a subscription. You are responsible for keeping your credentials secure and for everything done under your account, and you agree to keep your email address current because we send sign-in links and account notices there. One account per person.

You own the photos, videos, receipts and inventory data you add to VaultWalk. You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce and process that content — including sending it to the AI providers named in our Privacy Policy — solely to provide and improve the service for you. This license ends when you delete the content or your account, except for copies in backups as described in the Privacy Policy. You confirm that you have the right to upload what you add, and that you will not add images or records of other people's property or private information without their permission.

Object detection, item names, replacement-value estimates, receipt readings, category assignments, medical and FSA totals, and rewards balances are generated automatically and can be wrong, incomplete or out of date. They are provided to help you organize your records, not as tax, legal, medical, financial or insurance advice. You are responsible for reviewing every AI-generated result before relying on it.

VaultWalk’s medical-expense, FSA/HSA/HRA and prescription features are record-keeping tools. Amounts are read from the receipts you scan, and only line items the receipt itself marks as eligible, or that you flag, are counted. You are solely responsible for the accuracy and completeness of anything you submit to a benefits administrator, insurer or tax authority. VaultWalk is not a healthcare provider, health plan or HIPAA covered entity and does not provide medical or tax advice.

You agree not to:

• upload illegal content, or content that infringes anyone's rights;
• upload other people's private information, property records or images without their permission;
• reverse-engineer, scrape, or interfere with the service or its security;
• upload malware or attempt to access accounts or data that are not yours;
• use automated means to overload the service or evade plan limits;
• use VaultWalk, or any AI output from it, to commit fraud, including insurance, benefits or tax fraud.

We may remove content or suspend accounts that violate these rules.

Pro features require an auto-renewing subscription. Prices are shown in the app before you buy. Your subscription renews automatically until cancelled; cancellation takes effect at the end of the current billing period, and you keep Pro access until then. Purchases made through the Apple App Store or Google Play are billed by Apple or Google and refunded under their policies — request refunds from them. Web purchases are billed by Stripe through RevenueCat; contact support@vaultwalk.app for billing questions. If a free trial is offered, it converts to a paid subscription unless cancelled before the trial ends. We may change prices with advance notice.

The free plan includes a limited number of walks and items, shown in Settings. We may change free-plan limits and Pro features over time; if we materially reduce what your paid subscription includes, we will tell you in advance and you may cancel.

These Terms are also the end-user license agreement (EULA) for the VaultWalk iOS and Android apps. Apple and Google are not parties to these Terms, are not responsible for the app or its content, and have no obligation to provide support for it. You must comply with the app store's usage rules. When you download VaultWalk from the Apple App Store, the following additional terms apply:

• License scope: we grant you a non-transferable license to use the app on Apple-branded devices you own or control, as permitted by the App Store Usage Rules.
• Maintenance and support: we are responsible for any maintenance and support; Apple has no obligation to provide any.
• Warranty: if the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price; Apple has no other warranty obligation.
• Product claims: we, not Apple, are responsible for addressing any claims relating to the app, including product liability, regulatory compliance and consumer-protection claims.
• Intellectual property: if a third party claims the app infringes its intellectual property, we, not Apple, are responsible for handling that claim.
• Legal compliance: you represent that you are not located in a country subject to a U.S. government embargo or designated a “terrorist supporting” country, and that you are not on any U.S. government list of prohibited or restricted parties.
• Third-party beneficiary: Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
• Contact: support@vaultwalk.app.

VaultWalk is a personal organization tool, not an insurer, adjuster, benefits administrator, tax preparer or legal advisor, and does not guarantee any claim, reimbursement or tax outcome. The service and all AI-generated content are provided “as is” and “as available”, without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the service will be uninterrupted or error-free, or that stored data will never be lost. Keep independent backups of important documents.

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data, denied claims or reimbursements, or the cost of substitute services, arising from or related to VaultWalk, even if we have been advised of the possibility. Our total liability for all claims relating to the service is limited to the greater of the amount you paid us in the twelve months before the claim or fifty U.S. dollars (US$50). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You agree to defend, indemnify and hold harmless ANGEL TECH CORPORATION INDUSTRIES L.L.C. and its members, managers and contractors from any claims, damages, losses and expenses, including reasonable attorneys' fees, arising from your content, your use of the service, or your violation of these Terms or of any law or third-party right.

You may stop using VaultWalk and delete your account at any time in Settings. We may suspend or terminate your access if you violate these Terms, if required by law, or if we discontinue the service, in which case we will give reasonable notice where possible and you may export your data first. On termination your right to use the service ends and your data is deleted as described in the Privacy Policy. Sections 3, 4, 5, 9, 10, 11, 13 and 14 survive termination.

These Terms are governed by the Federal Arbitration Act and, to the extent not preempted, by the laws of the State of Oklahoma, without regard to conflict-of-law rules. Before starting arbitration or any court proceeding, the party with a claim must send the other a written notice describing the dispute and the relief sought. Send notices to us at support@vaultwalk.app; we will send notices to the email address on your account. The parties will then try in good faith to resolve the dispute informally for 60 days. This step is required, and any limitation period is paused while it runs. If the dispute is not resolved, either party may proceed under Section 14.

Agreement to arbitrate. You and we agree that any dispute, claim or controversy arising out of or relating to VaultWalk or these Terms — including their formation, enforceability or scope — will be resolved by binding individual arbitration rather than in court, except as stated below.

Exceptions. Either party may bring an individual claim in small-claims court if it qualifies, and either party may ask a court for an injunction to stop unauthorized use of the service or infringement of intellectual property.

Rules and forum. Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, as modified by these Terms; the rules and forms are available at adr.org. There will be a single neutral arbitrator. Hearings may be held by telephone or video, or in the county where you live, and the arbitrator may decide the case on written submissions if no hearing is requested.

Fees. Filing and arbitrator fees are governed by the AAA Consumer Arbitration Rules. Where those rules require us to pay fees, we will pay them. If the arbitrator finds that a claim was frivolous or brought for an improper purpose, fees may be reallocated as those rules permit.

Arbitrator’s authority. The arbitrator may award the same individual relief a court could and must follow these Terms. The award is final and may be entered as a judgment in any court with jurisdiction. The arbitrator decides whether a dispute is arbitrable, except that a court decides whether the class action waiver below is enforceable.

Class action waiver. You and we each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective or representative proceeding. The arbitrator may not consolidate the claims of more than one person or award relief to anyone other than the individual party, except as needed to provide relief warranted by that party's own claim. If this waiver is found unenforceable for a particular claim, that claim — and only that claim — will be heard in court under Section 13, and the rest of this section remains in effect.

Coordinated filings. If twenty-five or more similar arbitration demands are filed against us by the same or coordinated counsel, the AAA Mass Arbitration Supplementary Rules will apply, and you and we agree to cooperate in any bellwether or batching process the AAA or its process arbitrator directs. Limitation periods are paused for any demand waiting its turn.

Jury trial waiver. To the extent any claim proceeds in court, you and we each waive any right to a jury trial.

Thirty-day opt-out. You may opt out of this arbitration agreement by emailing support@vaultwalk.app from the email address on your account within 30 days of first accepting these Terms, with the subject line “Arbitration opt-out” and your name. Opting out does not affect any other part of these Terms.

Changes to this section. If we change this Section 14 after you accept it, the change will not apply to any dispute for which either party has already given notice under Section 13, and you may reject the change by opting out within 30 days of its effective date.

Survival. This section survives termination of your account or these Terms.

We may update these Terms. We will post the new version here with a new date and, for material changes, notify you in the app or by email before they take effect. Continuing to use VaultWalk after the effective date means you accept the updated Terms.

These Terms and the Privacy Policy are the entire agreement between you and us about VaultWalk. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor of the business. You agree to comply with U.S. export laws in your use of the app.

Support and billing: support@vaultwalk.app. Privacy: privacy@vaultwalk.app. ANGEL TECH CORPORATION INDUSTRIES L.L.C., Oklahoma, USA.