Terms and Conditions

1. Acceptance of Terms

By downloading, installing, or using the Rampart Asset Management mobile application (the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms apply to all visitors, users, and others who access the Service.

2. Description of Service

Rampart Asset Management is a digital inventory and asset management tool designed to help users organize, track, and document physical assets, including but not limited to IT hardware, personal collections, and household items. The Service allows users to upload photos, serial numbers, descriptions, and other data related to their property.

3. No Insurance Guarantees or Financial Advice

Please read this section carefully.

3.1. Information Only

The Service is strictly an organizational and documentation tool. The data you enter into the Service (including valuations, condition reports, and existence of items) is for your personal record-keeping only.

3.2. No Insurance Affiliation

Rampart Asset Management is not an insurance provider, insurance broker, or insurance adjuster. We do not underwrite risk or issue insurance policies.

3.3. No Guarantee of Claims or Payouts

The use of this Service does not guarantee that any insurance claim you submit to a third-party provider will be approved, processed, or paid out.

• We do not verify the authenticity, ownership, or value of the assets you record.
• We do not guarantee that the reports generated by the Service will be accepted as "proof of loss" by your specific insurance provider.
• You are solely responsible for understanding the documentation requirements of your insurance policy.

3.4. Valuation Disclaimer

Any estimated values provided by the user or third-party integrations within the App are estimates only and should not be considered professional appraisals.

4. User Responsibilities

4.1. Accuracy of Data

You are responsible for the accuracy, truthfulness, and completeness of the data you enter. Rampart Asset Management is not liable for errors in your inventory that result in financial loss or rejected insurance claims.

4.2. Data Backup

While we strive to protect your data, you are encouraged to maintain external backups of your asset lists and photos.

4.3. Account Security

You are responsible for safeguarding the credentials used to access the Service.

5. Intellectual Property

The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of Rampart Asset Management and its licensors.

6. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Rampart Asset Management, its officers, directors, employees, agents, affiliates, or licensors be liable to you or any third party for any indirect, incidental, special, consequential, punitive, or exemplary damages whatsoever. This includes, without limitation, damages for loss of profits, loss of goodwill, loss of data, work stoppage, computer failure or malfunction, or any other commercial damage or losses, arising out of or in connection with:

• 6.1 Your access to, use of, or inability to access or use the Service;
• 6.2 Any inaccurate valuations, incomplete inventory summaries, or missing documentation;
• 6.3 Any unauthorized access to, alteration of, or data loss regarding your digital inventory or account;
• 6.4 Any temporary or permanent service interruptions or errors.

7. Maximum Aggregate Liability (Cap)

To the maximum extent permitted by applicable law, Rampart Asset Management's total, cumulative, and aggregate liability arising out of or relating to these Terms or your use of the Service—for any and all claims under any legal theory—shall be strictly limited to the greater of:

• 7.1 The total amount actually paid by you to Rampart for the subscription in the twelve (12) months preceding the event giving rise to the claim; or
• 7.2 One hundred US Dollars ($100.00 USD).

7.3. Legal Limitations and Local Law

Some states, jurisdictions, or federal laws do not allow the exclusion or limitation of implied warranties, incidental damages, or consequential damages. In such jurisdictions, Rampart Asset Management's liability shall be limited to the fullest and maximum extent permitted by applicable law.

8. Account Deactivation and Termination Policy

In the event your account is deactivated or terminated:

8.1. Termination by User

You may cancel your subscription through your account settings or by contacting our support team. Upon user-initiated cancellation, your subscription will remain active until the end of your current billing cycle, after which your account will transition to a deactivated status.

8.2. Deactivation for Non-Payment

• 8.2.1 Payment Failure: If we are unable to process your recurring subscription fee on the scheduled payment date (e.g. due to an expired card, insufficient funds, or payment processing error), your account will enter an administrative grace period.
• 8.2.2 Service Suspension: If payment is not successfully processed within seven (7) days following a payment failure, your account will be deactivated. During deactivation, your access to the Service, including the ability to add, edit, or export inventory data, will be suspended.

8.3. Termination for Breach of Terms

We reserve the right to immediately suspend or terminate your account without prior notice, or refund, if:

• 8.3.1 You breach any provision of these Terms (including, without limitation, engaging in any activities in the Acceptable Use and Prohibited Activities section);
• 8.3.2 We are required to do so by applicable law, court order, or regulatory authority;
• 8.3.3 Your continued use of the Service poses a security, technical, or legal risk to Rampart Asset Management, our system, or other users.

8.4. Data Retention and Deletion Following Deactivation or Termination

• 8.4.1 30-day Data Retention Period: In the event of account deactivation due to non-payment or voluntary cancellation, Rampart Asset Management will securely store your account inventory data for thirty (30) calendar days from the date of deactivation. This grace period provides you with the opportunity to reactivate your account by settling outstanding balances or renewing your subscription without losing your digital inventory records.
• 8.4.2 Permanent Data Purge: If your account is not reactivated within thirty (30) calendar days following your deactivation, or if your account is terminated for material breach of these Terms, Rampart Asset Management reserves the right to permanently delete all digital inventory files, receipts, photos, and associated records from our servers. Once data is permanently deleted, it cannot be recovered or restored.

9. Governing Law and Dispute Resolution

These terms, your access to and use of the Service, and any claims or disputes arising out of or relating to these Terms or the Service shall be governed by, construed, and enforced in accordance with the laws of the State of Utah, without giving effect to any principles of conflicts of law that would require the application of the laws of another jurisdiction.

9.1. Jurisdiction and Venue

You agree that any legal suit, action, or proceeding arising out of or related to these Terms or the Service shall be instituted exclusively in the federal or state courts located in Salt Lake County, Utah. You hereby irrevocably consent and submit to the personal jurisdiction of such courts and waive any objection to the laying of venue or any claim of an inconvenient forum (forum non conveniens).

9.2. Informal Dispute Resolution

Before filing a formal legal claim, you agree to attempt to resolve any dispute or controversy informally by contacting Rampart Asset Management at support@rampartam.com. We will make reasonable, good-faith efforts to resolve the matter directly within thirty (30) days of receiving notice.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

11. Acceptable Use and Prohibited Activities

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are strictly prohibited from engaging in any activity that compromises the security, functionality, or integrity of the Service. Specifically, you agree that you will not, under any circumstances:

• 11.1. Attempt to decipher, decompile, disassemble, extract, or reverse engineer any source code or any software used to provide the Service; use any software, technology, or device to scrape, spider, or crawl the Service or harvest or manipulate data;
• 11.2. Introduce any material that is malicious or technologically harmful, or otherwise engage in activities designed to adversely affect the performance of the Service such as (but not limited to) viruses, trojan horses, worms, or logic bombs;
• 11.3. Violate any applicable federal, state, local, or international law or regulation while accessing or using the Service;
• 11.4. Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service;

11.5. We reserve the right to investigate and take appropriate legal action, including without limitation civil, criminal, and injunctive redress, against anyone who violates these restrictions. Violation of this Prohibited Activities section may result in the immediate suspension or termination of your account and access to the Service without prior notice.