Aftermath

Terms of Service

Last updated: May 19, 2026

These Terms of Service govern your use of Aftermath. Please read them carefully before using the app.

Key Points

  • ·Aftermath is a documentation tool, not a licensed insurance, legal, or financial service.
  • ·Pro is $7.99/mo with a 7-day free trial. Subscriptions auto-renew until cancelled.
  • ·You own all content you upload. We never sell your personal data.
  • ·You can delete your account and all data at any time from Profile Settings.
  • ·Disputes are resolved through binding individual arbitration (Section 14). You may opt out within 30 days of accepting these Terms.

This summary is for convenience only and does not replace the full Terms below.

1. Acceptance of Terms

  • ·By creating an account, accessing, or using Aftermath (the "Service"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.
  • ·These Terms apply to all users, including free and paid subscribers, on web and mobile platforms.
  • ·IMPORTANT: Section 14 contains a binding arbitration agreement and a class action waiver that affect your legal rights. Please read it carefully. You may opt out within 30 days of first accepting these Terms.

2. Description of Service

  • ·Aftermath is a home inventory and insurance documentation tool that helps you record your belongings, organize policy information, and generate claim reports.
  • ·AI-powered features use third-party large language models (currently Google Gemini) to analyze uploaded policy documents and extract coverage information. AI outputs are informational only and may be inaccurate, incomplete, or out of date.
  • ·Aftermath is not an insurance company, insurance broker, public adjuster, attorney, or licensed financial advisor. We do not provide legal, financial, or insurance advice. Always consult a licensed professional regarding your specific coverage and any potential claim.
  • ·We do not guarantee that any claim report generated by the Service will be accepted, processed, or paid by any insurance provider. The Service is a documentation and organization tool only.

3. Eligibility & Account Registration

  • ·You must be at least 18 years old and capable of entering into a binding contract to use the Service.
  • ·You must provide accurate, current, and complete information during registration and keep your account information up to date.
  • ·You are solely responsible for safeguarding your password and for all activity that occurs under your account, whether or not you authorized it.
  • ·You may not share your account credentials, use another person's account, or impersonate any person or entity.
  • ·Notify us promptly at support@aftermathvault.com if you suspect any unauthorized access to or use of your account.

4. Subscriptions, Billing & Auto-Renewal

  • ·Aftermath Pro is offered for $7.99 per month and includes a 7-day free trial for new subscribers. Pricing for any annual or other plans, if offered, will be disclosed at checkout.
  • ·BILLING PROCESSOR DEPENDS ON PLATFORM: Subscriptions purchased through the Aftermath website or web app are billed by Stripe using the payment method you provide. Subscriptions purchased through the Aftermath iOS application are billed by Apple through your Apple ID. Pricing, taxes, and currency conversion may vary slightly between platforms.
  • ·AUTO-RENEWAL: Pro subscriptions automatically renew at the end of each billing period at the then-current price unless cancelled before the renewal date. For iOS purchases, Apple will charge your Apple ID account within 24 hours prior to the end of the current period. By starting a Pro subscription, you authorize us (or Apple, for iOS purchases) to charge your payment method on a recurring basis.
  • ·CANCELLATION (WEB): If you subscribed via our website, you may cancel at any time from the Subscription page in your account. Cancellation stops future renewals; it does not retroactively refund a current period.
  • ·CANCELLATION (iOS): If you subscribed through the iOS app, cancellation must be done through your Apple ID Subscription settings (Settings → [your name] → Subscriptions on your device). The in-app cancellation link on iOS will redirect you there. Cancellation stops future renewals; it does not retroactively refund a current period.
  • ·FREE TRIAL: If you cancel before the end of your free trial, you will not be charged. If you do not cancel, your paid subscription begins automatically at the end of the trial. For iOS, the free trial is administered by Apple and counts toward Apple's one-trial-per-subscription-group policy.
  • ·PRICE CHANGES: We may change subscription prices. We will provide at least 30 days advance notice via email or in-app notification before any price change takes effect for your subscription. For iOS subscribers, Apple will also separately request your consent to material price increases as required by App Store policy. If you do not agree to a price change, you may cancel before it takes effect.
  • ·TAXES: Listed prices do not include applicable taxes, which may be added at checkout based on your jurisdiction.

5. Refunds

  • ·We do not provide refunds for partial billing periods. You may cancel at any time and will retain Pro access through the end of your current paid period.
  • ·WEB PURCHASES: For subscriptions purchased through our website, refund requests should be directed to support@aftermathvault.com. We may, in our sole discretion, issue partial or full refunds in cases of duplicate billing, demonstrable system error, or as otherwise required by applicable law.
  • ·iOS PURCHASES: For subscriptions purchased through the iOS app, refunds are handled exclusively by Apple under Apple's refund policy. Request a refund at reportaproblem.apple.com. We do not have the ability to issue refunds for Apple ID purchases.

6. Free Tier Limitations

  • ·Free (Basic) accounts have limits on certain features, including the number of vault items, AI policy analyses, claim report generations, and storage.
  • ·Free-tier limits may change over time. We will provide reasonable advance notice via email or in-app notification before reducing any feature limits that materially affect existing free accounts.

7. User Content & License

  • ·You retain all ownership rights to the content you upload to Aftermath, including photos, documents, item descriptions, and notes ("User Content").
  • ·By uploading User Content, you grant Aftermath a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, transmit, display, process, and back up that content solely as necessary to operate, secure, and improve the Service for you.
  • ·You represent and warrant that you own or have all necessary rights to the User Content you upload, that it does not infringe any third-party rights, and that it complies with these Terms and applicable law.
  • ·You may delete User Content at any time. Deletion of User Content is reflected in active systems within 30 days; backups may retain copies for up to 90 days for disaster recovery, after which they are purged.

8. Acceptable Use

  • ·You agree to use the Service only for lawful purposes and in accordance with these Terms.
  • ·You may not: (a) attempt to gain unauthorized access to any account, system, or data; (b) probe, scan, or test the vulnerability of any system without our written permission; (c) interfere with or disrupt the Service or its servers; (d) reverse engineer, decompile, or attempt to extract source code; (e) use bots, scrapers, or other automated tools to access the Service; (f) upload viruses, malware, or any malicious code; (g) use the Service to harass, defame, or harm others; (h) resell, sublicense, or commercially exploit the Service without our written permission.
  • ·You may not use the Service to create, store, or submit false, fraudulent, or misleading information for the purpose of insurance fraud, tax fraud, or any other unlawful purpose. We may report suspected fraud to law enforcement and insurance regulators.

9. AI Features & Limitations

  • ·Aftermath uses third-party AI services (currently Google Gemini, operated by Google LLC) to generate informational summaries of policy documents you upload, suggested item descriptions, category tags, claim statement drafts, claim review notes, and similar outputs ("AI Output"). On the paid tier, inputs to Google Gemini are not used to train Google's general AI models.
  • ·EXPLICIT CONSENT REQUIRED: Aftermath will not transmit any of your content to Google's Gemini API until you have read the AI consent disclosure inside the app and tapped "Allow AI Features." You can revoke this consent at any time in Profile → AI and Data Sharing, which immediately disables all AI features. Revoking consent does not delete content you have already uploaded.
  • ·AI Output may be inaccurate, incomplete, biased, outdated, or otherwise unsuitable for any particular purpose. AI Output does not constitute legal, financial, insurance, medical, or professional advice.
  • ·You are solely responsible for reviewing and verifying all AI Output before relying on it. You should never use AI Output as the sole basis for any insurance claim, coverage decision, financial decision, or legal action without independent verification from a qualified professional or your insurance carrier.
  • ·We make no representation that AI Output is suitable for any specific use case, including but not limited to filing claims with any insurer. Insurance carriers may reject claims for any reason; AI-generated documentation does not change this risk.
  • ·NO HEALTH OR PROTECTED INFORMATION: Aftermath is not a HIPAA-covered entity or business associate. You agree not to upload protected health information (PHI), medical records, government-issued identification documents (driver's licenses, passports, Social Security cards), or other sensitive identifiers that are not necessary to document a household item or insurance policy. We do not knowingly process such information and disclaim any liability arising from your upload of it.
  • ·By using AI features, you acknowledge that your inputs may be transmitted to and processed by third-party AI providers in accordance with our Privacy Policy.

10. Termination

  • ·BY YOU: You may delete your account at any time from Profile Settings. Account deletion is permanent and irreversible. After deletion your access ends immediately and your data is removed in accordance with our Privacy Policy.
  • ·BY US: We may suspend or terminate your account, with or without notice, if we reasonably believe you have violated these Terms, engaged in fraud or abuse, created risk or possible legal exposure for us or other users, or for prolonged inactivity.
  • ·EFFECT OF TERMINATION: Upon termination, your right to access and use the Service ceases immediately. Sections that by their nature should survive (including Sections 7, 9, 11, 12, 13, 14, 15, 16, 17, 19, 20, and 21) will survive termination.
  • ·NO REFUND ON TERMINATION FOR CAUSE: If we terminate your account for material violation of these Terms, you are not entitled to a refund of any pre-paid fees.

11. Disclaimers

  • ·THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, AFTERMATH DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
  • ·WE DO NOT WARRANT THAT: (a) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (b) THE RESULTS OBTAINED FROM USING THE SERVICE WILL BE ACCURATE OR RELIABLE; (c) ANY ERRORS WILL BE CORRECTED; OR (d) THE SERVICE WILL MEET YOUR REQUIREMENTS.
  • ·Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the above exclusions apply only to the extent permitted by law.

12. Limitation of Liability

  • ·TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL AFTERMATH, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, GOODWILL, DATA, USE, BUSINESS INTERRUPTION, OR INSURANCE-CLAIM PROCEEDS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
  • ·OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (a) ONE HUNDRED U.S. DOLLARS ($100) OR (b) THE AMOUNT YOU PAID TO AFTERMATH IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
  • ·Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, our liability is limited only to the maximum extent permitted by law.
  • ·You acknowledge that the price you pay for the Service reflects this allocation of risk, and that without these limitations we would not be able to offer the Service at the current price.

13. Indemnification

  • ·To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Aftermath, its affiliates, and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your use of or access to the Service; (b) your User Content; (c) your violation of these Terms; (d) your violation of any third-party right, including any intellectual property, privacy, or publicity right; or (e) any conduct alleged to be fraudulent or unlawful by you.
  • ·We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses.
  • ·CALIFORNIA EXCEPTION: Nothing in this Section is intended to indemnify Aftermath against liability for its own fraud, willful injury, or violation of law, to the extent such an indemnity would be void under California Civil Code Section 1668 or any analogous law of your jurisdiction.

14. Mandatory Arbitration & Class Action Waiver

  • ·PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
  • ·BINDING ARBITRATION: You and Aftermath agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court. The arbitrator's decision will be final and may be entered as a judgment in any court of competent jurisdiction.
  • ·CLASS ACTION WAIVER: YOU AND AFTERMATH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.
  • ·EXCEPTIONS: Notwithstanding the above, either party may (a) bring an individual action in small-claims court if it qualifies; (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights; or (c) report violations to a government agency.
  • ·30-DAY OPT-OUT: You may opt out of this arbitration agreement by emailing support@aftermathvault.com within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and including your account email. Opting out has no effect on any other provision of these Terms.
  • ·LOCATION & FEES: Arbitration will take place in the county where you reside or, if both parties agree, by telephone or video conference. Each party will bear its own attorneys' fees and costs except where the AAA Consumer Rules or applicable law require otherwise.
  • ·SEVERABILITY OF THIS SECTION: If the class-action waiver is found unenforceable as to any claim, that claim must be severed and brought in court; the remainder of this Section will continue to apply.

15. DMCA / Copyright Policy

  • ·We respect the intellectual property rights of others and expect users to do the same. We will respond to clear notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act (17 U.S.C. § 512).
  • ·To submit a DMCA notice, send the following to support@aftermathvault.com: (1) a physical or electronic signature of the rights owner or authorized agent; (2) identification of the copyrighted work claimed to have been infringed; (3) identification of the material claimed to be infringing and information sufficient to locate it; (4) your contact information; (5) a statement that you have a good-faith belief that the use is not authorized; and (6) a statement, under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act on the owner's behalf.
  • ·Misrepresentations in a DMCA notice may subject the sender to liability under 17 U.S.C. § 512(f). Repeat infringers will have their accounts terminated.

16. Feedback

  • ·If you submit ideas, suggestions, feature requests, or other feedback regarding the Service ("Feedback"), you grant Aftermath a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, distribute, and exploit the Feedback for any purpose, without compensation or attribution to you.
  • ·You waive any claim that any Aftermath product or feature infringes any rights you may have in the Feedback.

17. Governing Law & Jurisdiction

  • ·These Terms are governed by the laws of the State of California, U.S.A., without regard to conflict-of-law principles.
  • ·Subject to Section 14 (Arbitration), any judicial action permitted under these Terms must be brought exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of those courts.
  • ·If you live in the European Economic Area, United Kingdom, or another jurisdiction whose mandatory consumer-protection laws apply, those laws may override the choice-of-law and venue provisions to the extent legally required.

18. General

  • ·ENTIRE AGREEMENT: These Terms, together with our Privacy Policy and any policies we link to from the Service, constitute the entire agreement between you and Aftermath regarding the Service and supersede any prior agreements.
  • ·SEVERABILITY: If any provision of these Terms is held invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
  • ·NO WAIVER: Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.
  • ·ASSIGNMENT: You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms without notice in connection with a merger, acquisition, sale of assets, or by operation of law.
  • ·FORCE MAJEURE: Neither party will be liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, governmental action, labor disputes, internet outages, or third-party service failures.
  • ·NOTICES: We may provide notices to you by email, in-app notification, or by posting on the Service. You must send legal notices to us by email at support@aftermathvault.com.
  • ·RELATIONSHIP: Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Aftermath.

19. Changes to These Terms

  • ·We may update these Terms from time to time. If we make material changes, we will provide reasonable advance notice (typically at least 14 days) by email or in-app notification before the changes take effect.
  • ·Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and may delete your account.

20. Contact

  • ·For general questions: support@aftermathvault.com
  • ·For legal notices, DMCA notices, and arbitration opt-out: support@aftermathvault.com
  • ·Mailing address: Michael Renoj Palma, Campbell, CA, United States
  • ·We aim to respond promptly to all inquiries.

21. Apple App Store Additional Terms

  • ·The following terms apply only to your use of the Aftermath iOS application obtained from the Apple App Store ("Licensed Application"). To the extent these terms conflict with the rest of these Terms, the following terms control with respect to the Licensed Application.
  • ·ACKNOWLEDGMENT: You acknowledge that these Terms are concluded between you and Michael Renoj Palma only, and not with Apple Inc. ("Apple"). Michael Renoj Palma, not Apple, is solely responsible for the Licensed Application and the content thereof. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Licensed Application.
  • ·SCOPE OF LICENSE: The license granted to you for the Licensed Application is a non-transferable license to use the Licensed Application on any Apple-branded products that you own or control, as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that the Licensed Application may be accessed and used by other accounts associated with the purchaser via Family Sharing or volume purchasing.
  • ·MAINTENANCE AND SUPPORT: Michael Renoj Palma is solely responsible for providing any maintenance and support services with respect to the Licensed Application, as specified in these Terms or as required under applicable law. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Licensed Application.
  • ·WARRANTY: Michael Renoj Palma is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Licensed Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Licensed Application (if any) to you; and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Licensed Application, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be Michael Renoj Palma's sole responsibility.
  • ·PRODUCT CLAIMS: You and Michael Renoj Palma acknowledge that Michael Renoj Palma, not Apple, is responsible for addressing any claims by you or any third party relating to the Licensed Application or your possession and/or use of the Licensed Application, including, but not limited to: (i) product liability claims; (ii) any claim that the Licensed Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation, including in connection with the Licensed Application's use of the HealthKit, HomeKit, or any similar frameworks.
  • ·INTELLECTUAL PROPERTY RIGHTS: You and Michael Renoj Palma acknowledge that, in the event of any third-party claim that the Licensed Application or your possession and use of the Licensed Application infringes that third party's intellectual property rights, Michael Renoj Palma, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
  • ·LEGAL COMPLIANCE: You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
  • ·DEVELOPER NAME AND ADDRESS: Any questions, complaints, or claims with respect to the Licensed Application should be directed to Michael Renoj Palma, Campbell, CA, United States, email: support@aftermathvault.com.
  • ·THIRD-PARTY TERMS OF AGREEMENT: You must comply with applicable third-party terms of agreement when using the Licensed Application (for example, your wireless data services agreement).
  • ·THIRD-PARTY BENEFICIARY: You and Michael Renoj Palma acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms with respect to your license of the Licensed Application, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

Questions? Email us at support@aftermathvault.com