Terms of Service

Eligibility and acceptance

You must be at least 16 years old (or the age of digital consent in your country, if higher) to use the App. By using the App you confirm that you meet this requirement and that you are able to enter into a binding agreement.

What Vavaro is

Vavaro is a tool to inventory the physical assets in your home — furniture, electronics, appliances, valuables — organised by property and room. On top of that inventory, the App provides features including:

• AI-assisted value estimates (replacement and resale value) for your items;
• a portfolio value timeline and depreciation/appreciation indicators;
• insurance coverage and gap analysis;
• export of your inventory and an insurance claim pack (PDF / ZIP) to help you document your belongings.

Vavaro is a documentation and information tool. It is not an insurer, an insurance broker, a financial advisor, or a professional appraiser. See the important disclaimers in Section 05.

Accounts

• Guest / anonymous use. You can use the App without signing up. In this mode your data is stored only on your device. If you lose or replace your device, or uninstall the App, that data cannot be recovered. To back up and sync your data, create an account.
• Registered accounts. When you sign up with an email and password, your data is synced to our cloud so you can recover it. You are responsible for keeping your credentials confidential and for activity under your account. Tell us promptly if you suspect unauthorised use.
• You are responsible for the accuracy of the information you enter.

Subscriptions and billing (Vavaro Free and Vavaro Pro)

• Free. The App offers a free tier with core inventory features.
• Vavaro Pro. Pro unlocks the recurring-intelligence features (such as the weekly value timeline and additional AI valuations). Pro is offered at CHF 4.90 per month or CHF 39 per year. There is no time-limited free trial — the free tier itself is how you try the product. Prices may vary by store and region and may be shown in your local currency.
• Payment and auto-renewal. Subscriptions are sold and billed through the Apple App Store or Google Play, under their terms. Subscriptions renew automatically for the same period unless cancelled, and your store account is charged at each renewal.
• Cancellation. You manage and cancel your subscription through your App Store / Google Play account settings, not through us. Cancellation takes effect at the end of the current billing period; you keep Pro access until then.
• Refunds. Refunds are handled by the App Store / Google Play under their respective refund policies. We do not separately process card payments and generally cannot issue store refunds ourselves.
• Price changes. We may change subscription prices for future billing periods. Where required, we (or the store) will notify you in advance, and continued use after a price change constitutes acceptance.
• Right of withdrawal (EU/EEA/CH consumers). Mandatory consumer-withdrawal rights, where they apply to digital subscriptions, are not affected by these Terms. Statutory withdrawal for app-store purchases is administered through the relevant store.

Important disclaimers — values, insurance, and AI

Please read this section carefully.

• Value estimates are estimates, not guarantees. Replacement, resale, and portfolio values are generated with the help of AI models and general market data. They are approximations for your own planning and may be inaccurate or out of date. They are not a professional appraisal and not financial, investment, tax, or insurance advice.
• Insurance features are a documentation aid. The coverage analysis, insurance gap calculation, PDF export, and claim pack are tools to help you organise and present information. They do not create, replace, or guarantee any insurance coverage, and they do not guarantee that an insurer will accept a claim or pay a particular amount. Always verify your coverage, values, and claim requirements directly with your insurer.
• AI output may be wrong. AI-generated suggestions (item recognition, valuations, written insights) can be incomplete or incorrect. Review them before relying on them. You are responsible for the data you keep and the decisions you make.
• Decisions are yours. You are solely responsible for your insurance, financial, and household decisions. We are not liable for decisions made in reliance on the App’s estimates or features, to the extent permitted by law.

Your content and the licence you grant us

• You own your data. All inventory data, photos, and documents you add remain yours.
• Licence to operate the service. You grant us a limited, non-exclusive, worldwide licence to host, store, copy, transmit, and process your content solely to provide and maintain the App’s features for you (for example, syncing your data, generating valuations, and producing your exports). We do not use your content for advertising, and we do not sell it.
• You are responsible for ensuring you have the right to upload any content (including photos and documents) you add.

Acceptable use

You agree not to:

• use the App for any unlawful purpose or to store unlawful content;
• attempt to breach, probe, or circumvent the App’s security, authentication, or usage limits (including AI quotas and device-attestation checks);
• reverse-engineer, scrape, or overload the service, or use it to build a competing dataset or service;
• upload malware or content that infringes others’ rights.

We may suspend or terminate access that violates these Terms.

Third-party services

The App relies on third-party services to function — including Google Firebase / Google Cloud and Vertex AI (accounts, storage, AI processing), the Apple App Store and Google Play (subscriptions), RevenueCat (subscription management), OpenStreetMap / Nominatim (maps and geocoding), UPCitemdb (barcode lookups), and Wiredash (optional feedback). Your use of those features may also be subject to the third party’s terms. We are not responsible for third-party services we do not control. See the Privacy Policy for how data is shared with them.

Intellectual property

The App, including its software, design, branding, and the name “Vavaro”, is owned by us or our licensors and is protected by intellectual-property laws. These Terms grant you a personal, non-transferable, revocable licence to use the App for its intended purpose. They do not transfer any of our intellectual property to you.

Disclaimer of warranties

To the maximum extent permitted by law, the App is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the App will be uninterrupted, error-free, or that estimates or results will be accurate. Mandatory statutory warranties for consumers are not excluded.

Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of data, profits, or goodwill, arising from your use of (or inability to use) the App, including reliance on any value estimate or insurance feature. Nothing in these Terms limits liability that cannot be limited by law (such as for death or personal injury caused by negligence, or for intent or gross negligence). Because your data is stored on your device first, you are responsible for maintaining your own backups (for example, by signing in to enable cloud sync, or by using the export features).

Termination

You may stop using the App and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms or use the App unlawfully. On account deletion, your cloud data is wiped as described in the Privacy Policy; sections that by their nature should survive (e.g. intellectual property, disclaimers, limitation of liability, governing law) continue to apply.

Changes to the App and to these Terms

We may modify, add, or discontinue features of the App. We may also update these Terms; when we make material changes we will update the “Last updated” date and, where appropriate, notify you in the App. Continued use after changes take effect constitutes acceptance. If you do not agree to the updated Terms, stop using the App.

Governing law and jurisdiction

These Terms are governed by the substantive laws of Switzerland, excluding its conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods (CISG). The courts at the operator’s Swiss domicile have jurisdiction, except where mandatory consumer-protection law entitles you to bring proceedings in, or requires the application of the law of, your country of residence — those mandatory rights are reserved.

Contact

Abdullah Deniz
Winterthurerstrasse 33a, 8370 Sirnach
Email: [email protected]