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Terms of Service

Effective August 26, 2026Last updated September 24, 2026
These Terms are current as of the effective date above. We'll post any updates here. Questions? support@trovefolio.ai.

These Terms of Service ("Terms") govern your access to and use of the TroveFolio mobile application, related websites, services, features, and software (collectively, the "Service") provided by TROVEFOLIO LLC, doing business as TroveFolio ("TroveFolio," "we," "us," or "our").

Please read these Terms carefully.

By clicking "Agree," creating an account, or otherwise affirmatively accepting these Terms, you agree to be bound by them. If you do not agree to these Terms, select "Cancel" and do not use the Service.

Our Privacy Policy explains how we collect, use, disclose, retain, and protect information and is incorporated into these Terms by reference.

1. Eligibility

You must be at least 18 years old to use TroveFolio.

By accepting these Terms, you represent and warrant that:

If you use TroveFolio on behalf of a company, organization, or other legal entity, you represent that you have authority to bind that entity to these Terms.

TroveFolio is not intended for individuals under 18.

2. Acceptance and Updates to These Terms

You may be required to accept these Terms and acknowledge our Privacy Policy before using the Service.

We may record information concerning your acceptance, including:

We may update these Terms from time to time.

For material changes, we may provide additional notice through the App, by email, or through another reasonable method and may require you to affirmatively accept the updated Terms before continuing to use the Service.

For non-material changes, we may update the "Last Updated" date above.

Your use of the Service after an updated version becomes effective is subject to the updated Terms to the extent permitted by applicable law.

3. Your Account

You must create an account to use TroveFolio. You may create an account using email or a supported third-party authentication provider such as Apple, Google, or Facebook.

You agree to:

You are responsible for activity occurring through your account to the extent permitted by law.

You may not impersonate another person, create an account using information you are not authorized to use, or access another user's account without permission.

Contact us at support@trovefolio.ai if you believe your account has been compromised.

4. Community Features

TroveFolio includes community features that let you create a public profile, publish posts and comments, follow other users, like and respond to content, and share items through links.

Public Content

Content you publish through the community features is visible to other TroveFolio users. This includes your username, profile photo, any badges shown on your profile, your posts (including their photos, titles, text, and tags), your comments, and the collections or items you choose to make visible.

Share links you create can be opened by anyone who has the link, including people who do not have a TroveFolio account.

Do not publish anything you want to keep private. Photos of your collection can reveal serial numbers, certification numbers, receipts, your home, or other personal details. Review your photos before you publish them.

Community Guidelines

Your use of the community features is subject to the TroveFolio Community Guidelines shown in the App, which form part of these Terms. You must accept them before using the community features. Among other things, they prohibit offering items for sale or arranging payment; posting sexual, violent, or graphic material; harassment, hate, and threats; and sharing contact details or payment handles.

Screening and Moderation

Posts, comments, profile photos, and share links are automatically screened before or shortly after they become visible to other users. Screening uses automated systems, including third-party services described in our Privacy Policy, to detect harmful content and content that is not related to collecting. Content may stay hidden while screening is completed, and content that cannot be screened may stay hidden until it can be.

Automated screening can make mistakes. TroveFolio moderators may review, hide, remove, restore, or pin content; turn off comments on a post; warn users; and temporarily or permanently restrict accounts. We are not obligated to review all content, and we are not responsible for content posted by other users.

Reporting and Blocking

You may report content that you believe violates these Terms or the Community Guidelines. You may also block another user. When you block someone, you will not see their posts or comments and they will not see yours. We do not tell users that they have been blocked.

Messages to the TroveFolio Team

The App lets you send a private message to the TroveFolio team, and lets us reply. These conversations are between you and TroveFolio staff. They are not a way to contact other members, and the App does not offer messaging between members.

You may have up to five messages awaiting a reply at any one time. Once we reply, you can send more. We may stop an account from sending new messages if the feature is used abusively. If we do, you can still read the conversation and we can still reply to you.

Photos you attach are screened before our team can see them, as described in Section 4. A photo that screening refuses is removed, and both you and our team are told that it was removed.

We aim to reply within 24 hours. We are a small team, so it can sometimes take longer.

Content Posted by Others

Content posted by other users belongs to them. You may view it within the Service, but you may not copy, republish, or otherwise use it outside the Service without the owner's permission, except as permitted by law.

Use of Published Images Within the Service

Other users may use features of the Service, such as item identification, on images you publish. When they do, those images may be processed as described in our Privacy Policy.

No Marketplace

TroveFolio is not a marketplace. We do not facilitate, verify, or guarantee any sale, purchase, trade, or payment between users, and we are not a party to any arrangement you make with another person. Any dealings between users are solely between those users.

5. The TroveFolio Service

TroveFolio is designed to help users log, organize, identify, track, and estimate the value of precious-metal and collectible items.

Features may include:

Certain features may be free while others may require payment.

We may add, modify, limit, suspend, or discontinue features from time to time.

We do not guarantee that any particular feature will remain available indefinitely.

6. AI Scanning, Identification, and Valuation Disclaimers

AI Identification Is an Estimate

TroveFolio may use artificial intelligence and automated systems to identify or describe items based on photographs and other information.

AI-generated results may be:

AI output is provided as an informational starting point and is not an authoritative determination of an item's identity, authenticity, grade, condition, provenance, rarity, or ownership.

TroveFolio Does Not Authenticate or Grade Items

Unless expressly stated otherwise in a separate written agreement, TroveFolio is not:

A record appearing in TroveFolio does not constitute proof that an item:

Valuations Are Estimates

Melt values, spot-price-based values, estimated portfolio values, and other valuation information are informational estimates.

Actual market value may differ substantially due to factors including:

Spot-price data may also be delayed, unavailable, incorrect, or supplied by third parties.

No Financial, Investment, Insurance, Tax, or Legal Advice

Nothing provided through TroveFolio constitutes financial, investment, insurance, tax, accounting, or legal advice.

You should independently verify information and consult an appropriate qualified professional before making significant financial, insurance, purchasing, selling, tax, estate-planning, or investment decisions.

Reports and Insurance-Ready Exports

Any report or export described as "insurance-ready," "insurance format," or similar terminology is provided solely as an organizational convenience.

Such reports are not professional appraisals, do not establish insurance coverage, and do not require an insurer to accept the listed values.

Your Responsibility

You are responsible for verifying the accuracy of information stored in your collection and for decisions you make based on TroveFolio.

7. Your Content

Ownership

You retain ownership of photographs, item information, notes, descriptions, corrections, and other content that you submit to TroveFolio ("Your Content").

Except for the licenses expressly provided in these Terms, TroveFolio does not claim ownership of Your Content merely because you upload or store it through the Service.

License to Operate the Service

You grant TroveFolio a worldwide, non-exclusive, royalty-free license to host, store, reproduce, transmit, process, modify solely as technically necessary, display, and otherwise use Your Content as reasonably necessary to:

This license continues for as long as reasonably necessary to operate the Service and fulfill the purposes described in these Terms and our Privacy Policy.

AI Training and Model Improvement

When you use AI Scan, you also grant TroveFolio, to the extent permitted by applicable law, a worldwide, non-exclusive, royalty-free license to use submitted scan images, AI outputs, item information, corrections, confirmations, and related data to:

TroveFolio's item-identification systems, algorithms, datasets, and related technology.

As described in our Privacy Policy, information retained for this purpose after account deletion may be de-identified by removing or severing direct account identifiers and links to your account.

Where applicable law requires separate consent or provides a right to object to such processing, TroveFolio will honor those requirements.

De-Identified Does Not Necessarily Mean Anonymous

Removing the connection between an image and your TroveFolio account does not guarantee that the visual contents of the image are completely anonymous.

For example, an image may inadvertently contain:

You should avoid submitting images containing unrelated personal, confidential, or sensitive information.

We may take reasonable steps to remove unnecessary metadata and account associations but cannot guarantee that every potentially identifying detail within an image will automatically be detected or removed.

Your Rights and Responsibilities

You represent and warrant that:

8. Subscriptions and Payments

TroveFolio may offer free and paid subscription tiers.

A paid subscription may unlock features such as:

Specific benefits may change over time.

Reasonable-Use Limits

Any feature described as "unlimited," including unlimited AI scans or items, remains subject to reasonable:

designed to protect the Service and prevent automated, fraudulent, excessive, or abusive use.

"Unlimited" does not permit automated bulk processing, resale of access, circumvention of technical controls, or use inconsistent with the normal intended operation of the Service.

Billing

Subscription pricing, billing intervals, trial periods, promotional terms, and renewal terms will be disclosed at the time of purchase.

Purchases made through the Apple App Store or Google Play are processed through the applicable app-store billing system.

We may use a subscription-management provider such as RevenueCat to help manage entitlements and subscription status.

Automatic Renewal

Unless otherwise disclosed, subscriptions automatically renew at the end of each subscription period unless canceled before renewal.

Your applicable app store may charge your selected payment method at the beginning of each renewal period.

Cancellation

You may manage or cancel your subscription through the applicable app store or through another cancellation method made available in the App.

Cancellation generally prevents future renewal but does not ordinarily terminate access for a subscription period you have already paid for, except where required by law or applicable app-store policy.

Deleting your TroveFolio account or uninstalling the App does not automatically cancel an Apple App Store or Google Play subscription.

You are responsible for separately canceling your subscription through the applicable subscription-management process.

Refunds

Refund eligibility and processing are subject to:

TroveFolio does not guarantee that a refund request will be approved.

9. Acceptable Use

You agree not to:

We may use reasonable technical measures to enforce these restrictions.

10. Third-Party Services and Information

TroveFolio relies on or integrates with third-party providers that may include:

Some third parties act as service providers processing information on TroveFolio's behalf, while others may provide independently operated products, data, or services.

Your use of certain third-party services may be subject to additional terms and privacy policies.

TroveFolio does not control independently operated third-party services and does not guarantee their availability, accuracy, completeness, continued operation, or performance.

Third-party catalog data, market data, spot prices, descriptions, identifiers, and similar information may be supplied "as is" and may contain errors or delays.

Nothing in this Section limits any responsibility that TroveFolio is required to retain under applicable law for service providers acting on our behalf.

11. Intellectual Property

Except for Your Content and third-party materials, TroveFolio and its licensors own all right, title, and interest in and to the Service, including:

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use TroveFolio for your personal or internal business purposes.

This license does not permit you to:

All rights not expressly granted are reserved.

12. Feedback

If you voluntarily provide ideas, suggestions, recommendations, feature requests, or other feedback concerning TroveFolio ("Feedback"), you grant us a worldwide, perpetual, irrevocable, royalty-free right to use, modify, implement, commercialize, and otherwise exploit that Feedback without restriction or compensation to you.

This provision does not transfer ownership of Your Content merely because it contains a correction or factual item record used as described elsewhere in these Terms.

13. Service Availability and Changes

We aim to provide a reliable Service but do not guarantee uninterrupted availability.

The Service may become unavailable due to:

We may modify, suspend, discontinue, or replace all or part of the Service.

Where reasonably practical, we may provide notice before materially discontinuing a paid feature, but we do not guarantee that every feature will remain available indefinitely.

14. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE."

TROVEFOLIO DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF:

WE DO NOT WARRANT THAT:

SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS, SO SOME OF THESE DISCLAIMERS MAY NOT APPLY TO YOU.

NOTHING IN THESE TERMS EXCLUDES ANY WARRANTY OR RIGHT THAT CANNOT LAWFULLY BE EXCLUDED.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TROVEFOLIO, TROVEFOLIO LLC, AND THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES LOSS OF:

ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, TROVEFOLIO WILL NOT BE LIABLE FOR LOSSES RESULTING FROM:

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF TROVEFOLIO AND TROVEFOLIO LLC ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

(A) THE AMOUNT YOU PAID FOR TROVEFOLIO DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR

(B) USD $50.

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE.

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY TO THE EXTENT SUCH LIABILITY CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Some jurisdictions may provide rights that cannot be waived, and the limitations above apply only to the extent legally permitted.

16. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless TroveFolio, TROVEFOLIO LLC, and their respective affiliates, officers, directors, employees, contractors, and agents from third-party claims, liabilities, damages, losses, judgments, and reasonable legal expenses arising from:

This Section does not require you to indemnify TroveFolio for claims caused solely by TroveFolio's own conduct where such indemnification would be prohibited by applicable law.

17. Suspension and Termination

You may stop using TroveFolio at any time.

You may request deletion of your account through the method provided in the App or through the external account-deletion process described in our Privacy Policy.

We may suspend, restrict, or terminate your access if we reasonably believe that:

We may also remove content that violates these Terms or the Community Guidelines, with or without notice.

If we restrict or ban an account from the community features for violating these Terms or the Community Guidelines, that restriction may be enforced against you even if you later delete your account and create a new one, including by retaining a limited record such as the email address associated with the banned account. This record is kept only to enforce the restriction.

We may also discontinue the Service generally.

Subscriptions Following Account Deletion or Termination

Deleting your TroveFolio account does not automatically cancel an active subscription purchased through Apple or Google Play.

You must separately manage or cancel your subscription through the applicable app store.

If TroveFolio suspends or terminates an account for violation of these Terms, treatment of any active subscription or refund will be subject to applicable law and applicable app-store rules.

Effect of Termination

Upon termination, your right to access the Service ends, subject to any rights that applicable law requires us to preserve.

Provisions that by their nature should survive termination will survive, including provisions concerning:

Handling of personal information following termination is governed by our Privacy Policy.

18. Governing Law and Disputes

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles, except to the extent another jurisdiction's mandatory consumer-protection laws apply.

Subject to any rights you may have under mandatory applicable law, any dispute arising out of or relating to these Terms or TroveFolio will be brought exclusively in the state or federal courts located in Nassau County, New York, and you consent to the personal jurisdiction and venue of those courts.

Nothing in this Section prevents either party from seeking appropriate injunctive or equitable relief where permitted by law.

Nothing in these Terms deprives a consumer of mandatory rights or remedies that cannot lawfully be waived under the laws of their jurisdiction.

19. Apple App Store Additional Terms

This Section applies if you obtain or use TroveFolio through Apple's App Store.

Agreement Between You and TroveFolio

You acknowledge that these Terms are between you and TROVEFOLIO LLC, not Apple Inc. ("Apple").

TroveFolio, not Apple, is solely responsible for the App and its content, subject to these Terms.

Scope of License

The license granted to you for the iOS version of TroveFolio is a non-transferable license to use the App on Apple-branded products that you own or control, as permitted by the Usage Rules contained in the applicable Apple Media Services Terms and Conditions.

The App may also be accessed and used by other accounts where permitted through Apple features such as Family Sharing or other Apple-authorized mechanisms.

Maintenance and Support

TROVEFOLIO LLC, not Apple, is solely responsible for providing maintenance and support services for TroveFolio to the extent required by these Terms or applicable law.

Apple has no obligation to provide maintenance or support for TroveFolio.

Warranty

To the extent any warranty exists that cannot lawfully be disclaimed, TROVEFOLIO LLC is solely responsible for that warranty.

If the App fails to conform to an applicable warranty, you may notify Apple, and where required under Apple's applicable terms, Apple may refund the purchase price paid for the App.

To the maximum extent permitted by applicable law, Apple has no other warranty obligation regarding TroveFolio.

Any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to an applicable warranty are the responsibility of TROVEFOLIO LLC to the extent required by applicable law.

Product Claims

You acknowledge that TROVEFOLIO LLC, not Apple, is responsible for addressing claims relating to TroveFolio or your possession or use of TroveFolio, including:

Nothing in these Terms limits liability beyond what is permitted by applicable law.

Intellectual-Property Claims

If a third party claims that TroveFolio or your possession or use of the App infringes that third party's intellectual-property rights, TROVEFOLIO LLC, not Apple, will be responsible for the investigation, defense, settlement, and discharge of that claim to the extent required by applicable law.

Legal Compliance

You represent and warrant that:

Third-Party Terms

You must comply with applicable third-party agreements when using TroveFolio, including applicable wireless-data, internet-service, Apple Media Services, and other terms associated with your device or services.

Apple as Third-Party Beneficiary

You acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms with respect to your use of the iOS App.

Upon your acceptance of these Terms, Apple will have the right, and will be deemed to have accepted the right, to enforce the applicable provisions of these Terms against you as a third-party beneficiary.

Developer Contact Information

Questions, complaints, or claims relating to the iOS App should be directed to:

TROVEFOLIO LLC
Email: support@trovefolio.ai

A mailing address is available on request by emailing support@trovefolio.ai.

20. Google Play Additional Terms

This Section applies if you obtain or use TroveFolio through Google Play.

These Terms are between you and TROVEFOLIO LLC, not Google LLC or its affiliates ("Google").

TroveFolio, not Google, is responsible for the App and its content.

Your use of the App must comply with applicable Google Play terms and policies.

Google has no obligation under these Terms to provide maintenance or support for TroveFolio.

Purchases and subscriptions made through Google Play are also subject to applicable Google Play billing, cancellation, and refund rules.

Uninstalling TroveFolio does not automatically cancel a Google Play subscription.

Where required, TroveFolio will provide an accessible method within the App for users to manage or cancel applicable subscriptions.

Google is not a party to these Terms except to the extent a particular Google agreement expressly provides otherwise.

21. Export and Sanctions Compliance

You may not use, export, re-export, transfer, or make available the Service in violation of applicable export-control, sanctions, or trade laws.

You represent that you are not prohibited from receiving or using the Service under applicable United States sanctions or export-control laws.

22. Notices

We may provide notices relating to the Service or these Terms through:

You are responsible for maintaining current contact information associated with your account.

Legal notices to TroveFolio should be sent to:

TROVEFOLIO LLC
Email: support@trovefolio.ai

A mailing address is available on request by emailing support@trovefolio.ai.

23. Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent.

We may assign these Terms in connection with a merger, acquisition, financing, corporate reorganization, sale of assets, change of control, or by operation of law, subject to applicable law.

24. Severability

If any provision of these Terms is found unenforceable or invalid, that provision will be enforced to the maximum extent permitted by law or modified to the minimum extent necessary to make it enforceable.

The remaining provisions will remain in effect.

25. No Waiver

Our failure to enforce a provision of these Terms does not waive our right to enforce that provision later.

A waiver is effective only if made in writing by an authorized representative of TroveFolio.

26. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms expressly presented for a specific feature or purchase, constitute the entire agreement between you and TroveFolio regarding the Service and supersede prior agreements concerning the same subject matter.

If additional terms for a particular feature conflict with these Terms, the more specific additional terms will control for that feature to the extent of the conflict.

27. Contact Us

If you have questions about these Terms or TroveFolio, contact:

TROVEFOLIO LLC
Email: support@trovefolio.ai

A mailing address is available on request by emailing support@trovefolio.ai.