Terms of Service

TERMS OF SERVICE — V2

Effective Date: September 23, 2026

These Terms of Service ("Terms") are a legally binding agreement between you and Seek & Swell, LLC, the operator of InspoVault ("Seek & Swell," "Company," "InspoVault," "we," "us," or "our"), governing your access to and use of the InspoVault websites, applications, software, features, content, and related services (collectively, the "Service"). By affirmatively accepting these Terms, creating or using an account after accepting them, or purchasing a subscription after being presented with them, you agree to be bound by these Terms. If you do not agree, you may not use the Service.

1. Eligibility and United States Availability

You must be at least 18 years old and legally capable of entering into a binding contract to create an account or use the Service. The Service is currently offered only to persons located in the 50 United States and the District of Columbia. The Service is not presently directed to, marketed to, or intended for persons located outside the United States. You may not use the Service if applicable law prohibits you from doing so. By using the Service, you represent and warrant that you meet these eligibility requirements.

2. Your Account

You must promptly notify us at support@inspovault.com if you believe your account or credentials have been compromised. We may require you to verify information or take reasonable security steps before restoring or modifying account access.

3. The Service

InspoVault provides tools for saving and organizing inspiration and, depending on your subscription or entitlement, may provide features including script generation, transcription, Brand Voices, organization tools, search, and other functionality. The Company may add, modify, improve, replace, limit, suspend, or discontinue portions of the Service. We do not guarantee that any particular feature, third-party integration, supported website, model, platform, workflow, or interface will remain available indefinitely. We may modify the Service where reasonably necessary for security, legal compliance, third-party platform changes, provider availability, technical requirements, or product development.

4. User Content

This license does not transfer ownership of your User Content to the Company. The Company may create and use aggregated or de-identified information derived from use of the Service for lawful business purposes, including analytics, security, reliability, capacity planning, and product development, provided such information is not used to identify you except as permitted by applicable law.

5. Your Representations Regarding Content

The Company does not investigate, clear, license, or verify ownership of third-party materials on your behalf. The ability to save a link, generate a transcript, generate a script, transform content, or otherwise process material through InspoVault does not grant you any rights in material owned by someone else.

6. Third-Party Content and Platforms

Your dealings with third parties are between you and those third parties.

7. AI-Generated Content

AI output is not legal, medical, financial, tax, investment, employment, safety, or other professional advice.

8. Transcription

Transcription is provided for convenience and may contain errors, omissions, misidentifications, timing errors, or other inaccuracies. You are solely responsible for verifying transcripts before relying on, publishing, distributing, or using them. You must have all rights and permissions required to submit or direct the processing of the applicable media. A failed or unavailable transcription does not create liability for the Company merely because a third-party provider attempted to process the media.

9. Sensitive and Regulated Information

You are responsible for determining whether information you submit is appropriate for the Service.

10. Acceptable Use

We may investigate suspected violations and may restrict or suspend access where reasonably necessary to protect the Company, users, third parties, providers, or the Service.

11. No Monitoring Obligation

12. Trials

Trial allowances are total Trial allowances and do not reset monthly. Unused Trial allowances do not roll over into a paid subscription. The Trial does not automatically convert into a paid subscription. You become a paid subscriber only if you affirmatively select a paid plan, expressly consent to the recurring subscription terms presented to you, and complete the payment checkout process. The Company may modify, restrict, discontinue, or deny future Trial offers, including to prevent abuse, subject to applicable law.

13. Paid Subscriptions and Pricing

Certain features require a paid subscription. The specific plan, price, currency, billing interval, included features, and applicable usage limits presented to you immediately before checkout are part of your purchase. The price shown and affirmatively accepted at checkout controls your initial subscription charge. The Company may offer monthly, annual, or other subscription options. Unless otherwise stated, recurring allowances do not roll over. An annual billing term does not necessarily mean usage allowances are provided for the entire year at once. Where the checkout or plan description states that an allowance resets monthly, the allowance resets according to that monthly usage period even though subscription fees are charged annually. You are responsible for applicable taxes, duties, and similar governmental charges except taxes imposed on the Company's income.

14. Automatic Renewal and Consent

Paid subscriptions automatically renew at the billing interval you affirmatively select until canceled. Before charging you, the Company will present the material recurring-subscription terms, including the applicable price and billing frequency, and obtain your affirmative consent. By affirmatively accepting the recurring billing disclosure and completing checkout, you authorize the Company and its payment processor to charge the payment method associated with your subscription for recurring charges at the disclosed interval until cancellation. The Company will make cancellation information available through the Service. Where required by applicable law, we will provide renewal reminders, upcoming-charge notices, price-change notices, or other subscription notices.

15. Cancellation

If applicable law requires a different result, applicable law controls.

16. Permanent Account Deletion

Remaining paid time is not automatically refunded merely because you delete your account, except where applicable law requires otherwise. If you want to retain access through the end of your paid period, use Manage Billing rather than deleting the account. Account deletion is intended to be permanent.

17. Price Changes

The Company may change subscription pricing prospectively. Price changes will not retroactively increase charges already paid. Where required by law, we will provide advance notice of a price change and information regarding cancellation. Continued subscription after a properly noticed price change may constitute acceptance where permitted by law.

18. Refund Policy

Nothing in this section limits mandatory statutory refund rights.

19. Payment Processing

Payments are processed by third-party payment providers, currently including Stripe. You authorize the applicable payment provider to process charges associated with your subscription. The Company does not directly store your complete payment-card number. Payment providers may process payment, billing, device, transaction, fraud-prevention, and other information under their own terms and privacy practices. If a payment fails or a subscription enters a payment-problem state, access to certain features may be restricted until the issue is resolved.

20. Third-Party Services

The Service relies on third-party providers for functionality including hosting, databases, authentication, artificial intelligence, transcription, email, payment processing, security, and infrastructure. The Company does not control every aspect of those services. To the fullest extent permitted by law, the Company is not liable for interruptions, failures, modifications, acts, omissions, or discontinuation attributable to independent third-party services.

21. No Service-Level Agreement; Backups

You are responsible for maintaining copies of materials that you cannot afford to lose. The Service should not be your sole archival or backup system.

22. Intellectual Property of the Company

The Service and its underlying software, systems, design, branding, interfaces, documentation, databases, workflows, methods, and other Company materials are owned by the Company or its licensors and are protected by intellectual-property and other laws. Subject to these Terms, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Service for its intended purpose during the period you are authorized to use it. No ownership rights in the Service are transferred to you. Except as expressly authorized, you may not copy, distribute, sell, license, modify, create derivative works of, publicly display, reverse engineer, or exploit Company materials.

23. Feedback

If you voluntarily provide suggestions, ideas, recommendations, feature requests, or other feedback regarding the Service, you grant the Company a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable right to use, modify, commercialize, and otherwise exploit that feedback without restriction or compensation. Feedback does not include your User Content merely because you use the Service.

24. Copyright Complaints and Repeat Infringers

The Company may remove or restrict material and may terminate accounts of repeat infringers where appropriate. This section does not represent that Seek & Swell, LLC has completed any statutory designated-agent registration that has not actually been completed.

25. Dispute Resolution; Individual Arbitration; Class-Action Waiver

A. Informal Resolution First

Notices to the Company must be sent to: support@inspovault.com The parties agree to attempt in good faith to resolve the dispute for at least 30 days after receipt of a complete notice before initiating formal proceedings. This requirement does not prevent a party from seeking emergency relief where waiting would cause irreparable harm.

B. Agreement to Individual Arbitration

The arbitration agreement is governed by the Federal Arbitration Act. Arbitration will be administered by the American Arbitration Association ("AAA") under the AAA Consumer Arbitration Rules then in effect, as modified by these Terms. If the AAA determines that its Mass Arbitration Supplementary Rules apply, those rules will also apply.

C. Arbitration Procedure and Fees

The arbitrator may award the same individualized remedies that a court of competent jurisdiction could award, subject to applicable law and these Terms. Arbitration may occur by documents, telephone, video conference, or another method permitted by the applicable AAA rules. Fees will be allocated as required by the applicable AAA Consumer Arbitration Rules and applicable law. The Company will not require you to pay arbitration fees that applicable law or binding AAA consumer standards require the Company to pay.

D. Exceptions

Either party may bring an eligible individual claim in small-claims court. Either party may seek temporary or emergency injunctive relief from a court of competent jurisdiction when necessary to protect against imminent misuse of intellectual property, unauthorized access, security threats, or other irreparable harm. Nothing in these Terms waives any non-waivable right to seek public injunctive relief where applicable law prohibits such a waiver.

E. Individual Proceedings Only

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party's individual claim.

F. Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND THE COMPANY WAIVE THE RIGHT TO A TRIAL BY JURY FOR ANY DISPUTE THAT PROCEEDS IN COURT RATHER THAN ARBITRATION.

G. Arbitration Opt-Out

You may opt out of the arbitration provisions in this Section by sending an email to: support@inspovault.com within 30 days after you first accept these Terms. Your opt-out notice must include: your full name; the email address associated with your InspoVault account; and a clear statement that you are opting out of the InspoVault arbitration agreement. Opting out of arbitration will not affect your account or access to the Service. An opt-out applies only to the person who timely submitted it.

H. Arbitration Severability

If a court or arbitrator determines that a portion of this arbitration section is unenforceable, that portion will be severed to the minimum extent necessary, and the remainder will remain effective, except where applicable law requires a different result. Any final determination that the individual-proceedings restriction cannot be enforced as to a particular non-waivable claim will not authorize an arbitrator to conduct a class proceeding beyond what applicable law permits. Questions about whether an arbitration agreement was formed or whether a valid arbitration opt-out occurred may be decided by a court where required by law.

I. Survival

This Section survives account closure, cancellation, deletion, termination of these Terms, and termination of the Service.

26. Governing Law and Court Venue

The Federal Arbitration Act governs the arbitration provisions above. To the extent state substantive law applies and is not preempted or displaced by mandatory consumer law, these Terms and the relationship between you and the Company are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles. For disputes that are permitted to proceed in court and are not required to be brought elsewhere by applicable law, you and the Company consent to jurisdiction in the appropriate state or federal courts located in Tennessee. Nothing in these Terms deprives a consumer of protections that cannot lawfully be waived.

27. Suspension and Termination by the Company

Where reasonable under the circumstances, we may provide notice or an opportunity to address the issue. Immediate action may be taken where we reasonably determine that delay could create legal, security, fraud, infrastructure, or safety risk. Termination does not eliminate obligations or liabilities that accrued before termination.

28. Disclaimer of Warranties

SOME JURISDICTIONS DO NOT PERMIT CERTAIN WARRANTY DISCLAIMERS, SO SOME PORTIONS OF THIS SECTION MAY NOT APPLY TO YOU.

29. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE, THESE TERMS, OR YOUR RELATIONSHIP WITH THE COMPANY WILL NOT EXCEED THE GREATER OF: (A) $100; OR (B) THE AMOUNTS YOU ACTUALLY PAID TO THE COMPANY FOR INSPOVAULT DURING THE SIX MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. These limitations apply collectively to all claims and all theories of liability. Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by applicable law.

30. Indemnification

The Company may assume control of the defense of a matter subject to indemnification. You may not settle a claim in a manner that imposes liability, obligations, admissions, or restrictions on the Company without the Company's prior written consent. This section does not require indemnification to the extent prohibited by applicable law.

31. Force Majeure

32. Export and Sanctions Compliance

You may not use the Service in violation of United States export-control, trade-sanctions, or similar laws. You represent that you are not prohibited from using the Service under applicable United States sanctions or export restrictions.

33. Electronic Communications

We may send communications to the email associated with your account or make them available through the Service where legally permitted. You are responsible for maintaining a current email address. Marketing communications, if introduced, will be subject to separate applicable requirements and opt-out mechanisms.

34. Changes to the Service or Terms

We may update these Terms prospectively. If changes are material, we may provide notice through the Service, email, or another legally permitted method. Where applicable law requires renewed affirmative consent, we will request it. Material changes to dispute-resolution provisions will not be applied retroactively to a dispute of which the Company had actual notice before the revised Terms became effective, except where the parties agree otherwise. If you do not agree to revised Terms that require acceptance, you must stop using the Service.

35. Assignment

36. No Agency or Fiduciary Relationship

37. No Third-Party Beneficiaries

Except where expressly stated, these Terms do not create rights for any third-party beneficiary.

38. Severability

If a provision of these Terms is found unlawful or unenforceable, it will be modified or severed to the minimum extent necessary while preserving the remainder of the Terms to the fullest extent permitted by law. The arbitration section contains additional severability provisions governing disputes.

39. Waiver

Failure by the Company to enforce a provision does not waive its right to enforce that provision or any other provision later. A waiver must be express and in writing to be effective.

40. Entire Agreement

If a specific written order or purchase term expressly conflicts with these Terms, the more specific agreed term controls only as to that subject.

41. Survival

42. Contact

Questions regarding these Terms may be sent to: