1. Definitions

• "Vault Documents" refers to any insurance policies, property deeds, vehicle registrations, or other textual documents you upload.
• "Asset Photos" refers to any images of your home, vehicles, boats, or personal property.
• "Valuation Estimates" refers to the Replacement Cost Value (RCV) or other financial estimates generated by our Artificial Intelligence (AI) tools.
• "Commercial Provider" refers to a third-party insurance broker, agent, adjuster or other professional you explicitly authorize to view a portion of your account.

2. Artificial Intelligence and Valuations

• Informational Purposes Only: The Service utilizes AI OCR (Optical Character Recognition) to extract coverage limits from Vault Documents and computer vision to generate Valuation Estimates from Asset Photos. These outputs are strictly for your personal organizational purposes.
• No Financial or Legal Advice: We are not a licensed insurance broker, appraiser, or financial advisor. Valuation Estimates do not constitute certified appraisals.
• User Responsibility: You are solely responsible for verifying the accuracy of all extracted policy limits, deductibles, and Valuation Estimates directly with your insurance carrier. We assume no liability for underinsurance, denied claims, or financial losses resulting from your reliance on our estimates.

3. User Conduct and Prohibited Data

You agree not to upload, store, or transmit any of the following through the Service:

• Protected Health Information (PHI): Any medical records or images containing visible medical equipment tied to a specific individual.
• Biometric Data: Photos where a human face or identifying biometric feature is the primary subject.
• Sensitive Identifiers: Unredacted Social Security Numbers, passports, or full credit card numbers.

If you inadvertently capture this data in an Asset Photo, you assume all liability for its storage and processing.

4. Data Licenses and Intellectual Property

By uploading Vault Documents and Asset Photos, you grant us a worldwide, non-exclusive, royalty-free license to host, store, and process this content solely for the purpose of providing, maintaining, and improving the Service. You retain all ownership rights to your original data.

5. DMCA and Copyright Infringement

We respect intellectual property rights. If you believe any content on the Service infringes your copyright, please contact our designated agent at info@gettingsorted.app with a detailed notice in accordance with the Digital Millennium Copyright Act (DMCA). We reserve the right to terminate accounts of repeat infringers.

6. Limitation of Liability

To the maximum extent permitted by law, Sorted and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, or data. In no event shall our aggregate liability for all claims related to the Service exceed the greater of one hundred U.S. dollars ($100.00) or the amounts paid by you to us in the twelve (12) months preceding the claim.

7. Governing Law and Arbitration

These Terms shall be governed by the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding, individual arbitration administered by the American Arbitration Association (AAA), rather than in court. You explicitly waive the right to participate in a class action lawsuit or class-wide arbitration.