TERMS OF USE

1.1 Age Requirement. You must be at least 18 years of age (or the age of majority in your jurisdiction) to use the Service. By using the Service, you represent and warrant that you meet this requirement.

1.2 Minors and Family Records. If your uploaded materials contain the personal data, images, or stories of minors, you represent and warrant that you are the parent or legal guardian of such minors, or that you have obtained explicit, verifiable consent from the parent or legal guardian to process this data in compliance with applicable privacy laws, including PIPEDA and the Children's Online Privacy Protection Act (COPPA).

2.1 AI-Assisted Narrative Synthesis. Theirloom.io utilizes advanced artificial intelligence to synthesize, process, and dramatize user-provided documents, photographs, and memories into formatted digital narratives and archives.

2.2 Fictionalization and Accuracy. The Service generates creative works based on your source material. The resulting output is creative non-fiction or fiction. It is not a verified historical, genealogical, or legal record. AI systems are probabilistic and known to produce factual errors, inconsistent outputs, and “hallucinations.” You are solely responsible for reviewing and verifying all generated text prior to digital distribution.

3.1 Ownership Warranty. You represent and warrant that you own or possess all necessary rights, licenses, consents, and permissions for all photographs, documents, audio files, texts, and other materials (“User Content”) you upload to the Service.

3.2 Operational License. You retain ownership of your User Content. By uploading it, you grant Theirloom.io a worldwide, non-exclusive, royalty-free license to host, reproduce, reformat, analyze, transmit, and display the User Content strictly for the purpose of providing, maintaining, and improving the Service, including routing it through our multi-agent pipelines.

3.3 Right of Publicity & Likeness. You warrant that you have obtained explicit, written consent to upload and process the name, image, likeness, and voice of any living third party depicted in your User Content.

4.1 Zero-Training Pledge. We do not use your private family documents or User Content to train, fine-tune, or improve our general foundational AI models.

4.2 Enterprise Subprocessors. To deliver the Service, we utilize secure, enterprise-tier third-party AI APIs. Our agreements with these subprocessors strictly prohibit them from using your payload data to train their models.

4.3 Privacy & Biometric Consent. You warrant that your uploads comply with the Personal Information Protection and Electronic Documents Act (PIPEDA). If your User Content involves audio recordings or biometric identifiers of US residents, you additionally warrant compliance with applicable wiretapping laws (e.g., CIPA) and biometric privacy laws (e.g., BIPA).

5.1 High-Risk Decisions. You are strictly prohibited from using the Service for consequential decision-making, including but not limited to employment screening, hiring, housing eligibility, creditworthiness, or insurance underwriting.

5.2 Abuse and Discrimination. You may not use the Service to generate content that promotes hate speech, discrimination, harassment, or violence based on race, age, gender, religion, or disability.

5.3 Anti-Scraping & Model Extraction. You and any automated agents are strictly prohibited from scraping, harvesting, reverse-engineering, decompiling, or utilizing any content, interface flows, prompts, or sample outputs from Theirloom.io to train, benchmark, or validate external AI models or to build competing products.

6.1 Output Ownership. Subject to your compliance with these Terms, Theirloom.io assigns to you all its right, title, and interest in the final digital text and narrative output generated by the Service (“Output”). You acknowledge, however, that under current intellectual property laws, AI-generated content may not be fully copyrightable without significant human modification.

6.2 Platform Intellectual Property. All software, multi-agent orchestration pipelines, narrative synthesis prompts, anti-slop heuristic rule engines, typography engines, and visual branding powering Theirloom.io are the exclusive intellectual property and trade secrets of Theirloom Inc.

7.1 Processors & Cryptocurrencies. Payments are processed securely through third-party providers (e.g., Stripe) and may include support for stablecoins (e.g., USDC), which settle in fiat currency. Theirloom.io does not hold cryptocurrency on your behalf.

7.2 Fee Scaling. Fees may scale based on the size or complexity of your uploads (e.g., higher word counts, image processing volume, or complex formatting requirements).

8.1 “AS IS” Disclaimer. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THEIRLOOM.IO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE OR THAT AI OUTPUTS WILL BE FACTUALLY ACCURATE.

8.2 Limitation of Liability. IN NO EVENT SHALL THEIRLOOM.IO BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR INCIDENTAL DAMAGES, INCLUDING LOST PROFITS OR LOSS OF DATA. IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY EXCEED THE GREATER OF ONE HUNDRED CANADIAN DOLLARS ($100.00 CAD) OR THE TOTAL AMOUNT PAID BY YOU TO THEIRLOOM.IO IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10.1 Informal Resolution. Before filing a claim, you agree to attempt to resolve the dispute informally by contacting us at admin@theirloom.io. If a dispute is not resolved within thirty (30) days, you may initiate formal proceedings.

10.2 Binding Arbitration. ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL BE SETTLED BY BINDING INDIVIDUAL ARBITRATION administered under the Arbitration Act, 1991 (Ontario) or by the ADR Institute of Canada (ADRIC) in accordance with its rules. The arbitrator, and not any court, shall have exclusive authority to resolve any disputes relating to the interpretation or enforceability of this agreement to arbitrate.

10.3 Class Action Waiver. YOU AND THEIRLOOM.IO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

11.1 Governing Law. These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law principles. Any legal action not subject to arbitration shall be brought exclusively in the provincial or federal courts located in Toronto, Ontario.

11.2 Severability. If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be severed or modified to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.