1. Acceptance of Terms

By accessing or using SnapAsset AI ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Service.

2. Description of Service

SnapAsset AI provides an AI-powered platform for documenting, organizing, and managing home assets for insurance purposes. Our Service includes:

Asset documentation and photo storage
OCR and barcode scanning for automated data extraction
Insurance preparedness assessments
Report generation for insurance claims
Property and room organization tools

3. User Accounts

3.1 Account Creation

You must create an account to use certain features. You agree to provide accurate, current, and complete information during registration and to update it as necessary.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately of any unauthorized use.

3.3 Age Requirement

You must be at least 18 years old to use our Service. By using the Service, you represent that you meet this requirement.

4. User Content and Data

4.1 Your Content

You retain ownership of all content you upload ("User Content"), including photos, descriptions, and asset information. By uploading User Content, you grant us a license to use, store, process, and display it to provide the Service.

4.2 Content Accuracy

You are solely responsible for the accuracy and legality of your User Content. You represent that you have the right to upload all content and that it does not violate any laws or third-party rights.

4.3 Prohibited Content

You may not upload content that:

Is illegal, harmful, threatening, or harassing
Infringes intellectual property rights
Contains viruses or malicious code
Violates privacy rights of others
Is fraudulent or misleading

5. Acceptable Use

You agree not to:

Use the Service for any illegal purpose
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the Service
Use automated tools to access the Service without permission
Resell or commercially exploit the Service without authorization
Impersonate others or misrepresent your affiliation
Collect user information without consent

6. Pricing and Payment

6.1 Subscription Plans

We offer various subscription plans with different features and pricing. Current pricing is available on our website.

6.2 Payment Terms

By providing payment information, you authorize us to charge the applicable fees. Payments are non-refundable except as required by law or as specified in our refund policy.

6.3 Price Changes

We may change our pricing with 30 days' notice. Changes will apply to the next billing cycle after notice is provided.

6.4 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.

7. Service Availability and Modifications

We strive to provide reliable service but do not guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice.

8. Intellectual Property

8.1 Our Rights

The Service, including its software, design, text, graphics, and logos, is owned by SnapAsset AI and protected by intellectual property laws. You may not copy, modify, or distribute our intellectual property without permission.

8.2 Feedback

Any feedback or suggestions you provide may be used by us without obligation to you.

9. Disclaimer of Warranties

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.

Important: SnapAsset AI is a documentation tool, not an insurance service. We do not provide insurance advice, valuations, or guarantees regarding insurance claims. Consult with insurance professionals for specific advice.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SNAPASSET AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify and hold harmless SnapAsset AI from any claims, damages, liabilities, and expenses (including legal fees) arising from your use of the Service, your User Content, or your violation of these Terms.

12. Termination

We may terminate or suspend your account and access to the Service at our discretion, without notice, for conduct that violates these Terms or is harmful to other users, us, or third parties.

Upon termination, your right to use the Service will cease immediately. We may delete your User Content, though we will provide reasonable opportunity to export your data.

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

13.2 Arbitration

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except where prohibited by law.

13.3 Class Action Waiver

You agree that disputes will be resolved individually and not as part of a class action or consolidated proceeding.

14. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or through the Service. Continued use after changes constitutes acceptance of the modified Terms.

15. Miscellaneous

15.1 Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and SnapAsset AI.

15.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.

15.3 Waiver

Failure to enforce any provision does not constitute a waiver of that provision.

15.4 Assignment

You may not assign these Terms without our consent. We may assign these Terms without restriction.

16. Contact Information

For questions about these Terms, contact us at:

SnapAsset AI
Email: legal@snapasset.ai
Address: 123 Tech Street, San Francisco, CA 94105