Terms of Service

Last updated: 2026-08-18

Provider: Michael Cosby · hello@stowbook.app
These terms will be updated when a trading name is registered.

1. These terms

These terms are an agreement between you and Michael Cosby ("we", "us") covering the Stowbook mobile application, the Stowbook website (stowbook.app), and the backend services behind them (together, "Stowbook"). By creating an account or using Stowbook, you agree to them. If you do not agree, do not use Stowbook.

How we handle your personal data is described separately in our Privacy Policy, which forms part of this agreement.

2. Who may use Stowbook

You must be at least 13 years old to use Stowbook. If you are in the European Economic Area and under 16, you need permission from a parent or guardian. If you are not old enough to enter into a binding contract where you live, a parent or guardian must agree to these terms on your behalf and is responsible for your use of Stowbook.

You may use Stowbook for personal or business purposes. If you use it on behalf of an organisation, you confirm you are authorised to accept these terms for that organisation.

3. Your account

You are responsible for keeping your login credentials secure and for activity that happens under your account. Tell us at hello@stowbook.app if you believe your account has been accessed without your permission.

At signup you choose whether your data is stored in the United States or the European Union. This choice cannot be changed afterwards by switching a setting — contact us if you need to move regions, and be aware that doing so means creating a new account and re-importing your data.

4. Your content

Everything you put into Stowbook — items, containers, rooms, photos, custom fields, notes — is yours. We claim no ownership of it.

You grant us a limited licence to store, process, transmit, and display your content solely to operate Stowbook for you: for example, storing your photos, syncing them to your devices, and sending a photo to our AI provider when you ask for an identification. This licence exists only so the service can function, ends when you delete the content or your account, and does not let us use your content for anything else. We do not use your content to train AI models, and we do not sell it.

You are responsible for having the right to upload what you upload, and for your content not being unlawful.

Export and backups. You can export your full inventory at any time, free of charge, from within the app — no paid plan required. We keep operational backups of the service, but these are for our own disaster recovery and are not a personal backup service. Keep your own copies of anything you cannot afford to lose.

5. Acceptable use

You agree not to:

• Use Stowbook to store or share unlawful content, or content you have no right to.
• Attempt to access another user's account or data, or probe, scan, or test the security of our systems without our written permission.
• Interfere with or disrupt the service — including automated use that places an unreasonable load on it, or circumventing rate limits, credit accounting, or other technical restrictions.
• Resell or redistribute the service, or scrape it, without our written permission.
• Reverse engineer the software, except where that right cannot lawfully be excluded.

6. AI identification

Stowbook's AI scanning feature sends the photo you take to a third-party AI provider, which returns a suggested item name and description. This is an automated guess, not a verification.

AI results can be wrong. The AI works only from the photo you provide and may misidentify an object, its brand, or its model. It does not estimate what anything is worth: Stowbook never generates values, and any value recorded against an item is one you entered yourself. You should review and correct anything the AI produces before relying on it. Do not treat Stowbook's output as an appraisal or as proof of ownership, and do not rely on it as the sole record for an insurance claim, a legal proceeding, a tax filing, or any similar purpose without checking it yourself. Stowbook is a record-keeping tool; it is not insurance, financial, legal, or tax advice.

We record AI credit usage in a ledger so that charges can be verified and disputes resolved. Section 2.3 of the Privacy Policy describes what that ledger holds and how long it is kept.

7. Paid plans and AI credits

Stowbook offers paid subscriptions and packs of AI credits. Prices, credit amounts, and what each plan includes are shown at the point of purchase, and those details apply to that purchase.

Where you bought it determines who bills you. Purchases made through the Apple App Store or Google Play are billed by Apple or Google under their own terms, and subscriptions bought there are managed and cancelled in that store's account settings, not by us. Purchases made directly are processed by Stripe, Inc. We do not receive or store your card details.

Subscriptions renew automatically at the interval shown at purchase until you cancel. Cancelling stops the next renewal; it does not shorten the period you have already paid for, and you keep access until that period ends.

AI credits are consumed as you use AI identification. A credit is spent when we send your photo for identification and a result is returned. If a scan fails on our side and returns no result, that credit is not consumed — if you believe you were charged for a failed scan, contact us and we will check the ledger and restore the credit.

Refunds. If you bought through the App Store or Google Play, refunds are handled by Apple or Google under their policies, not by us. For direct purchases, you are entitled to any refund required by the consumer law that applies to you — including, in the EEA and UK, the statutory right to cancel within 14 days of purchase, though this right may be lost for digital content once you begin using it with your consent. Beyond what the law requires, unused credits and part-used subscription periods are not refundable, but if something has gone wrong, write to us at hello@stowbook.app and we will try to put it right.

Price changes. We may change prices. Changes never apply retroactively to a purchase you have already made. For subscriptions, we will give you notice before a changed price takes effect at a renewal, so you can cancel first.

Non-payment. If a payment fails or is reversed, we may suspend paid features until it is resolved. Your inventory data remains yours and exportable.

8. Copyright and unlawful content

Stowbook stores content that users upload themselves, and we do not review it in advance. We respond to notices of claimed copyright infringement under the Digital Millennium Copyright Act and will terminate the accounts of repeat infringers in appropriate circumstances.

To report content stored in Stowbook that you believe infringes your copyright, send a notice to hello@stowbook.app identifying the copyrighted work, identifying the material and where it is in Stowbook, and including your contact details, a statement that you believe in good faith the use is unauthorised, a statement that the information in your notice is accurate, and a statement under penalty of perjury that you are authorised to act for the rights holder. You can report other unlawful content to the same address. We may remove content that breaches section 5 or the law, and may suspend accounts that repeatedly do so.

9. If you installed Stowbook from the Apple App Store

The following applies to copies of Stowbook obtained through the Apple App Store:

• These terms are between you and us only. Apple is not a party to them, and Apple is not responsible for Stowbook or its content.
• Apple has no obligation to provide maintenance or support for Stowbook. Send support requests to hello@stowbook.app.
• If Stowbook fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) to you. To the maximum extent permitted by law, Apple has no other warranty obligation of any kind in relation to Stowbook.
• We, not Apple, are responsible for addressing any claim by you or a third party relating to Stowbook — including product liability claims, claims that Stowbook fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or similar law.
• We, not Apple, are responsible for investigating, defending, settling, and discharging any third-party claim that Stowbook infringes that party's intellectual property rights.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these terms, and upon your acceptance Apple has the right (and is deemed to have accepted the right) to enforce these terms against you as a third-party beneficiary.

10. Availability and changes to the service

We aim to keep Stowbook running and to give notice of significant planned downtime, but we do not promise uninterrupted or error-free service. Maintenance, third-party outages, and failures outside our control can interrupt it.

We may add, change, or remove features. If we discontinue a paid feature you are currently paying for, or discontinue Stowbook entirely, we will give you reasonable notice, a reasonable opportunity to export your data, and a pro-rata refund of any subscription period you have paid us directly for but cannot use. Where Apple or Google billed you we cannot issue that refund ourselves; we will either provide equivalent credit or help you request a refund through that store.

11. Suspension and termination

You can stop using Stowbook and delete your account at any time from within the app. Deleting your account deletes your inventory data and photos as described in the Privacy Policy; deletion does not by itself entitle you to a refund of amounts already paid.

We may suspend or terminate your account if you materially breach these terms — in particular section 5 — or if we are required to by law. Except where the breach is serious or unlawful, or where we are legally prevented from doing so, we will tell you why and give you a chance to put it right first, and we will give you a reasonable opportunity to export your data. If we terminate your account without cause, we will refund the unused part of any subscription period you paid us directly for, or — where Apple or Google billed you — provide equivalent credit or help you request a refund from that store.

12. Our software and brand

We own Stowbook — the app, the website, the backend, and the Stowbook name and logo. These terms give you a personal, non-exclusive, non-transferable, revocable licence to use the service as intended. They do not transfer any of our intellectual property to you, and they do not give you the right to use our name or logo without permission.

13. Disclaimers and liability

Except for the commitments we make in these terms and any rights you have under mandatory consumer law, Stowbook is provided "as is" and we make no other warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Nothing in these terms limits liability that cannot lawfully be limited. That includes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, and any other liability that the law of your country does not allow us to exclude — and if you are a consumer, your statutory rights are unaffected by anything here.

Subject to that, we are not liable for indirect or consequential loss, for loss of profit or business, or for loss of data to the extent it results from your not keeping your own export (see section 4). Our total liability to you for all claims relating to Stowbook in any twelve-month period is limited to the greater of the amount you paid for Stowbook in that period (directly or through an app store) and 50 USD.

14. Changes to these terms

We may update these terms. If we make material changes, we will notify you by email or by a notice in the app before they take effect. Continuing to use Stowbook after that means you accept the updated terms; if you do not, you may delete your account, and we will refund the unused part of any subscription period you paid us directly for (or, where Apple or Google billed you, provide equivalent credit or help you request a refund from that store). The "last updated" date above reflects the most recent revision.

15. Resolving disputes

Let's try to sort it out first. If you have a problem with Stowbook, or we have one with you, the other side should get a chance to fix it before anyone goes to court. Both of us agree that before filing a lawsuit we will send the other a written description of the dispute and what we want done about it, and will then try in good faith to resolve it directly for 30 days. Send yours to hello@stowbook.app; we will send ours to the email address on your account.

This obligation is mutual — it binds us exactly as it binds you. Any deadline for bringing a claim is paused while the 30 days runs, so raising it with us first cannot cost you the right to bring it later.

Small claims court is always available. Either of us may bring a dispute in small claims court instead, if the claim qualifies under that court's rules. Nothing here requires you to hire a lawyer or travel to a distant courtroom over a small amount of money.

The 30-day step does not apply to a request for an injunction or other urgent relief to stop ongoing harm — for example, to protect intellectual property, account security, or the integrity of the service. It also does not stop you complaining to a regulator or data protection authority, or affect any right you have that cannot be waived by agreement.

16. Governing law and general terms

These terms are governed by the laws of the State of Texas and the United States, without regard to conflict-of-laws rules, and disputes will be heard by the state and federal courts located in Texas. If you are a consumer, this does not deprive you of the protection of the mandatory law of the country where you live, and you may bring proceedings there.

If any part of these terms is found unenforceable, the rest remains in force. Our not enforcing a term on one occasion does not waive it.

We may transfer these terms to a successor of the Stowbook business — for example, to the entity registered when a trading name is created — provided your rights under them are not reduced. You may not transfer them without our permission. These terms and the Privacy Policy are the entire agreement between us about Stowbook, and replace any earlier version.

17. Contact

Michael Cosby
hello@stowbook.app

For privacy matters — data access, deletion, or ledger requests — use privacy@stowbook.app; see the Privacy Policy.

[DATA CONTROLLER NAME] — to be updated when trading name is registered.