Terms of Service

Effective date: July 12, 2026 · Last updated: October 4, 2026 (no tolerance for objectionable content or abusive users, and how to report them — §3; on September 30: Heirloom is now provided by The Peninsular Company, LLC, and disputes go to courts located in Michigan — introduction, §§17, 19; and, on September 28: what Heirloom does, AI features only with your permission, sale conversations and direct contact, third-party services — §§1, 3, 4, 7, 8, 11)

These Terms of Service ("Terms") are a binding agreement between you and The Peninsular Company, LLC, a Michigan limited liability company based in Detroit ("Heirloom," "we," "us," or "our"), and govern your use of the Heirloom mobile and web application and related services (the "Service"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. What Heirloom does

Heirloom helps you keep a record of the physical things you own — what they are, the evidence behind their value, and who should inherit them — and keep that record current. If you allow it, the Service uses artificial intelligence and third-party image- and web-search tools to generate estimates and research, which can be uncertain or wrong; you can also record everything yourself. The Service can connect you with independent expert businesses (such as appraisers, dealers, galleries, and auction houses), and can let specialists know that you would consider selling an item. Heirloom is a software tool and an introduction platform. Heirloom is not a marketplace, appraiser, auctioneer, dealer, insurer, broker, fiduciary, or law firm; it does not list items for sale, take offers, or handle payments for any sale; and it does not provide professional appraisal, authentication, financial, insurance, tax, legal, or estate advice.

2. Eligibility and accounts

You must be at least 13 years old (or the minimum age of digital consent where you live, if higher) to use the Service. You are responsible for the accuracy of your account information, for keeping your credentials secure, and for all activity under your account. Notify us promptly at hello@heirloomapp.io of any unauthorized use. You may sign in using email and password or through Sign in with Apple or Google, subject to those providers' terms.

3. Acceptable use

You agree not to:

• use the Service for any unlawful, infringing, fraudulent, or harmful purpose;
• upload content you do not have the right to upload, or that infringes intellectual property, privacy, or other rights;
• upload another person's personal information without a lawful basis and, where required, their awareness (this includes beneficiary, attorney, executor, and contact details);
• upload unlawful, defamatory, harassing, obscene, or otherwise objectionable content, or content depicting stolen, counterfeit, or illegally trafficked goods;
• attempt to reverse engineer, scrape, overload, disrupt, or circumvent the Service, its rate limits, or its security;
• use the Service to build a competing product, or to train machine-learning models on content obtained from the Service, except your own content;
• misuse the expert network — for example, by using it to collect other people's contact details without their agreement, or to send unsolicited, bulk, or abusive messages (see Section 8);
• impersonate anyone or misrepresent your affiliation.

Heirloom has no tolerance for objectionable content or abusive users. You can report a comment, a message, a specialist's request or a person from inside the app, and we review reports, usually within a day. Content that breaks these rules is removed, and the account that posted it may be suspended or terminated.

We may investigate and take action — including removing content and suspending or terminating accounts — for any suspected violation.

4. Your content and the license you grant us

You own your content. As between you and Heirloom, you retain all rights to the photos, descriptions, notes, item data, and other materials you submit ("User Content"). We do not claim ownership of your User Content.

License to operate the Service. You grant Heirloom a worldwide, non-exclusive, royalty-free license to host, store, reproduce, modify (for example, resize and compress images), display, and transmit your User Content solely to operate, provide, secure, and improve the Service for you — including the specific processing described below. This license ends when you delete the relevant User Content or your account, except (a) for copies retained in routine backups for a limited period, (b) where retention is required by law, and (c) for content you have already shared with third parties (see Sections 6 and 8), which we cannot retrieve on your behalf.

AI and third-party processing. AI features are optional, and the App asks your permission before using them. When you allow them, you specifically authorize Heirloom to transmit your User Content — including item photos, descriptions, and notes — to third-party artificial-intelligence and search providers (currently including OpenAI and, for comparable research, Google via SerpAPI) to generate identifications, valuations, and research, as described in our Privacy Policy. You can withdraw that permission at any time in the App's settings.

Public and shared content. If you choose to make a collection public, share it, post in community areas, or offer a transfer of an item record, you grant the relevant recipients the ability to view and interact with that content, and you grant Heirloom the license needed to display it to them. Recording estate-planning intentions grants no one access; see Section 6. Do not share content you are not comfortable making available to those recipients.

Feedback. If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without obligation to you.

5. AI-generated valuations and identifications — important disclaimer

READ THIS SECTION CAREFULLY. Identifications, categories, attributions, condition assessments, comparable sales, valuations, and value ranges produced by the Service are automated, AI-generated estimates provided for general informational purposes only. They:

• are NOT professional appraisals, authentications, or certifications;
• are NOT insurance valuations and must not be used to obtain, set, or support insurance coverage or claims;
• are NOT legal, estate, tax, financial, or investment advice;
• may be inaccurate, incomplete, out of date, or wrong, and can be affected by photo quality, the information you provide, and limitations of AI and third-party data sources.

You should independently verify any result with a qualified, licensed professional before relying on it for any insurance, tax, legal, estate-planning, purchase, sale, or other decision. You are solely responsible for decisions you make based on output from the Service, and Heirloom disclaims all liability for such decisions to the fullest extent permitted by law. Estate-planning features are organizational tools only and do not create a will, trust, or any legally binding testamentary instrument; consult a licensed attorney to make legally effective arrangements.

6. Estate-planning features

The estate-planning tools record your intentions about your items, beneficiaries, attorney, executor, bequests, and reminders. These features are for your convenience and record-keeping and, as stated in Section 5, do not constitute legal advice or a legally binding estate document. Recording a beneficiary or a bequest does not send an invitation, grant account access, or transfer ownership. When you offer a transfer, the recipient is notified and must accept through their own account before they can view a copy of the item record. A copy someone has accepted is their record: it stays with them, and it does not change if you edit or delete yours. You are responsible for choosing each recipient.

7. Expert introductions

The Service can match you with independent expert businesses and forward, at your request, a snapshot of your item (which may include its photos, category, details, estimated value, and your note) to those businesses, and can relay messages between you and them.

Sale conversations. If you mark an item "I'd consider selling this," specialists in its field who hold an active account with us may see a short card about it, as described in our Privacy Policy, and may ask to be introduced. Nothing more is shared unless you accept. Heirloom does not list your item, take offers, set prices, take part in any sale, or handle payment. If you accept an introduction, the specialist may reply to you directly, and anything you arrange is between you and them, as described below. You can withdraw an item at any time; a specialist who has already seen its card cannot un-see it.

Heirloom only facilitates introductions. Heirloom is not a party to, and does not guarantee, endorse, supervise, insure, or take responsibility for, any engagement, transaction, valuation, appraisal, sale, consignment, service, advice, or payment between you and an expert business. Expert businesses are independent third parties. Any agreement you enter into with an expert business is solely between you and that business, on their own terms. Heirloom makes no representation about the qualifications, licensing, credentials, availability, pricing, or conduct of any expert business, and we disclaim liability for their acts or omissions. You are responsible for performing your own due diligence.

Where a business receives your item snapshot, that business becomes an independent recipient of that information; Heirloom cannot delete or recall information already delivered to a business.

8. Communications and direct contact

Messages exchanged with expert businesses through the Service may be monitored for safety, quality, and abuse prevention, including automated detection of personal contact information. Once you and an expert business have been introduced, either of you may share contact details and continue the conversation directly, outside the Service; anything you arrange there is solely between you (see Section 7). Using the Service to collect other people's contact details without their agreement, or to send unsolicited, bulk, or abusive messages, may result in warnings, suspension, or termination. By using the Service you consent to receive transactional emails and push notifications; you can control notifications in your device and account settings.

9. Subscriptions, billing, and free features

The Service is currently offered free of charge during its beta period. Paid subscription tiers are not yet active. When paid features become available:

• prices, features, and limits will be presented at the point of purchase and are subject to change on notice;
• payments will be processed by our payment provider (Stripe) and/or, for in-app purchases, by Apple or Google under their terms — Heirloom does not receive or store your full payment card details;
• subscriptions may renew automatically until cancelled, and you can cancel through the relevant store or account settings;
• refunds are governed by the applicable app store's policies and by any refund terms presented to you at the time of purchase.

Nothing in the current App should be read as a binding offer of paid features until those features and their terms are made available to you.

10. Intellectual property in the Service

The Service, including its software, design, text, graphics, logos, and trademarks (but excluding your User Content), is owned by Heirloom or its licensors and is protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. You may not copy, modify, distribute, sell, or create derivative works from the Service except as permitted by these Terms or applicable law.

11. Third-party services

The Service relies on and links to third-party services (including Supabase, Railway, Vercel, OpenAI, SerpAPI, Resend, Expo, TelemetryDeck, Sentry, GitHub, Apple, Google, and, in future, Stripe). Your use of those services may be governed by their own terms and privacy policies. Heirloom is not responsible for third-party services, and their inclusion does not imply endorsement.

12. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL CONTENT AND OUTPUT (INCLUDING AI-GENERATED IDENTIFICATIONS AND VALUATIONS) ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. HEIRLOOM DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY VALUATION, IDENTIFICATION, RESEARCH RESULT, OR OTHER OUTPUT IS ACCURATE, COMPLETE, RELIABLE, OR CURRENT.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HEIRLOOM AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, OR FOR ANY LOSS ARISING FROM YOUR RELIANCE ON AI-GENERATED VALUATIONS OR IDENTIFICATIONS, YOUR DEALINGS WITH EXPERT BUSINESSES, OR ANY INSURANCE, TAX, LEGAL, ESTATE, PURCHASE, OR SALE DECISION, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, HEIRLOOM'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID HEIRLOOM FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED US DOLLARS (US$100).

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.

14. Indemnification

You agree to indemnify and hold harmless Heirloom and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your User Content; (b) your use of the Service; (c) your violation of these Terms or applicable law; (d) your provision of another person's personal information without a lawful basis; or (e) your dealings with any expert business or other user.

15. Termination

You may stop using the Service and delete your account at any time from within the App (subject to the deletion process and grace period described in our Privacy Policy). We may suspend or terminate your access at any time if you violate these Terms, if required by law, or to protect the Service or other users. Sections that by their nature should survive termination — including Sections 4 (license grant for content already shared), 5, 7, and 10–17 — will survive.

16. Changes to the Service and to these Terms

We may modify or discontinue the Service, or any feature, at any time. We may also update these Terms; when we make material changes we will update the "Effective date" and provide reasonable notice. Your continued use of the Service after changes take effect constitutes acceptance. If you do not agree to the updated Terms, you must stop using the Service.

17. Governing law and dispute resolution

These Terms are governed by the laws of the State of Michigan, United States, without regard to its conflict-of- laws rules. Any dispute arising out of or relating to the Service or these Terms will be resolved exclusively in the state or federal courts located in the State of Michigan, and you and Heirloom consent to the personal jurisdiction and venue of those courts. This section does not take away any rights you have under the consumer protection laws of the place where you live.

If any provision of these Terms is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver. These Terms, together with the Privacy Policy and any additional terms you agree to, are the entire agreement between you and Heirloom regarding the Service.

18. Apple and Google app-store terms

If you obtained the App through the Apple App Store or Google Play, additional store terms apply. For Apple: these Terms are between you and Heirloom, not Apple; Apple has no obligation to provide support or handle warranty claims; and Apple and its subsidiaries are third-party beneficiaries entitled to enforce these Terms against you.

19. Contact

The Peninsular Company, LLC
Detroit, Michigan, USA
Email: hello@heirloomapp.io