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Terms of Service

Effective July 3, 2026

The plain-English heart of it: OwnWorth's values are AI-generated estimates, not appraisals. They're a great starting point — but for taxes, insurance, and big decisions, the numbers you file and rely on are your responsibility to verify.

1. Agreement

These Terms of Service ("Terms") are a contract between you and OwnWorth, LLC, a Texas limited liability company ("OwnWorth," "we," "us"), covering the OwnWorth apps and the ownworth.co website (together, the "Service"). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the Service.

2. What OwnWorth is

OwnWorth helps you build a photo-backed inventory of your belongings, estimates what items are worth, and generates useful outputs — insurance documentation, donation receipts (including IRS Form 8283), marketplace listing drafts, exports, and more.

3. Valuations are estimates — not advice

  • AI estimates. Item identifications and values are generated by AI from your photos and descriptions. They can be wrong — sometimes significantly. They are estimates of fair-market value, not professional appraisals.
  • Not professional advice. Nothing in the Service is financial, tax, legal, or insurance advice. Donation-savings figures are illustrative estimates based on the tax rate you provide.
  • Taxes are on you. If you use OwnWorth's forms or numbers in a tax filing (for example, Form 8283 for donations), you are responsible for their accuracy. The IRS requires a qualified appraisal for donated items or groups valued over $5,000 — OwnWorth flags these, but cannot provide the appraisal. Consult a tax professional.
  • Insurance is on you too. Confirm coverage, scheduling, and documentation requirements with your insurer; an OwnWorth export doesn't guarantee a claim outcome.

4. Your account and household

  • Keep your account email accurate — sign-in codes and notices go there. You're responsible for activity under your account.
  • Households share an inventory. Only invite people you trust; every member can see and edit household items, photos, values, and receipts.
  • You must be at least 13 to use the Service (and at least 18, or have a guardian's permission, to subscribe).

5. Your content

  • It's yours. You own your photos and inventory data.
  • Our license to run the Service. You grant us a limited license to host, process, and display your content solely to provide the Service — for example, storing photos, sending them to our AI provider to identify an item, or assembling them into a PDF you request. This license ends when you delete the content or your account, except for residual encrypted backups that purge on their normal cycle.
  • Keep it lawful. Only add content you have the right to use, and don't use the Service to inventory or traffic in illegal goods.

6. Subscriptions and billing

  • Paid plans (Plus, Pro) are billed through your Apple App Store account as auto-renewing subscriptions. Prices are shown in the app before you buy.
  • Subscriptions renew automatically until canceled. Manage or cancel anytime in your App Store subscription settings; cancellation takes effect at the end of the current billing period.
  • Refunds are handled by Apple under its policies. Where we can lawfully help, email us and we'll try.
  • If pricing or plan features change materially, we'll notify you in advance; changes apply from your next renewal.
  • Plans apply per household. Free features stay free-tier metered; paid outputs unlock with the tier shown in the app.

7. Marketplace listings and donations

  • OwnWorth can draft listing copy and, where you connect an account (for example, eBay), create listings you initiate. You review and are responsible for every listing — its accuracy, pricing, and compliance with that marketplace's terms.
  • Sales happen on the marketplace, between you and your buyer. OwnWorth is not a party to, and isn't responsible for, any transaction, payment, shipping, or dispute.
  • Charity pickup links and scheduling helpers hand you off to the charity or its partner; their terms govern the pickup. Donation receipts document what you report donating.

8. Acceptable use

Don't misuse the Service. That includes:

  • breaking the law, infringing others' rights, or uploading content you may not use;
  • probing, scraping, overloading, or interfering with the Service or other households' data;
  • reverse-engineering non-public parts of the Service, or reselling it without our written permission;
  • abusing metered AI features (for example, automated bulk requests designed to exhaust them).

9. Termination

You can stop using OwnWorth and delete your account at any time (see the Privacy Policy for how deletion works). We may suspend or terminate accounts that violate these Terms or create risk for the Service or other users; where reasonable, we'll warn you first and give you a chance to export your data.

10. Disclaimers

The Service is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied — including merchantability, fitness for a particular purpose, and non-infringement — and we don't warrant that the Service will be uninterrupted, error-free, or that any valuation, identification, or generated document is accurate or complete.

11. Limitation of liability

To the fullest extent the law allows, OwnWorth will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or the cost of substitute services — including losses arising from inaccurate valuations, tax outcomes, insurance-claim outcomes, or marketplace transactions. Our total liability for any claim relating to the Service is capped at the greater of $50 or the amount you paid us in the 12 months before the claim. Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you.

12. Indemnity

If someone brings a claim against us arising from your content, your listings or sales, your tax filings, or your breach of these Terms, you agree to indemnify us against the resulting liabilities, costs, and reasonable attorneys' fees.

13. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules, and any dispute that can't be resolved informally will be brought in the state or federal courts located in Texas. Before filing any claim, contact us at hello@ownworth.co — most issues can be sorted out informally, and we commit to trying in good faith for 30 days first.

14. Changes to these Terms

If we change these Terms materially, we'll update the date above and notify you in the app or by email before the changes take effect. Continued use after that means you accept the updated Terms.

15. Contact

OwnWorth, LLC · hello@ownworth.co