MyNumisVault Terms, Privacy, Refunds, and Liability
Important: These terms are intended as practical website terms for MyNumisVault and should be reviewed by a qualified attorney before public commercial launch.
Terms of Service
Use of MyNumisVault
MyNumisVault is a digital inventory and documentation system for numismatic collectors. It organizes coins, banknotes, medals, tokens, proof sets, commemoratives, and related collectibles with images, catalog details, research notes, import tools, encrypted backups, and owner-controlled access.
Account approval
Access may require site-owner/admin approval. The admin may approve, reject, restrict, suspend, downgrade, upgrade, or delete accounts at the admin's discretion, including deletion of inventory records and uploaded files associated with an account.
Test Access limit and expiration
Test Access is limited to 5 saved items, restricts editing, deleting, or replacing saved items, and expires 10 days from the date and time of admin approval. After expiration, the test account, inventory records, uploaded images, and related data may be automatically and permanently deleted from the system. Users should export any backup they need before expiration.
Full Access subscription
Full Access is offered as a recurring monthly subscription of $19.99 USD per month, currently processed through a PayPal subscription button. Subscription access may be limited, suspended, or terminated if payment is cancelled, reversed, disputed, declined, or otherwise not received.
Separate ChatGPT account requirement
Some workflows, including the ChatGPT-assisted prompt and XLS/XLSX import process, require the user to have their own valid ChatGPT account, preferably a paid account with image upload, file analysis, and spreadsheet-generation capability. ChatGPT is a separate third-party service and is not included with the MyNumisVault subscription.
Subscription acknowledgement
By subscribing, paying, logging in, requesting access, or continuing to use MyNumisVault, the user acknowledges and agrees that they have read, understood, and accepted the user manuals, legal clauses, policies, terms, conditions, disclaimers, limitations of liability, password responsibility, no-reset policy, and related agreements made available by MyNumisVault.
User responsibility
The user is solely responsible for all data entered, uploaded, imported, stored, exported, downloaded, shared, or relied upon through the tool, including item descriptions, ownership records, values, images, purchase information, legal status, provenance, authentication notes, and backup copies.
Account security and password responsibility
Users are responsible for keeping account passwords, devices, downloaded backups, and exported files secure. Forgot password and password reset features are unavailable for this site. Users must remember their password because MyNumisVault cannot reset or recover account passwords through the website. Encrypted backup passwords also cannot be recovered if lost.
Acceptable use
Users may not upload unlawful content, infringe intellectual property rights, attempt to bypass access controls, disrupt the service, reverse engineer the application, misuse trial or test access, or use the tool for illegal activity, fraud, or unauthorized resale of access.
Changes to service
MyNumisVault may change features, limits, pricing, access rules, user workflows, payment methods, import formats, or availability at any time. Continued use after changes means the user accepts the updated terms and policies.
No-Refund Policy
No refunds
All subscription payments, renewal payments, Full Access payments, and related fees are non-refundable to the maximum extent permitted by law. This includes unused time, partial months, accidental purchases, non-use, account suspension, account deletion, password loss, inability to access an account due to a forgotten password, or dissatisfaction with the service.
Cancellations
Users are responsible for cancelling their PayPal subscription if they no longer want future billing. Cancellation stops future renewals when processed by PayPal, but it does not create a refund for amounts already paid.
Disputes and chargebacks
If a payment is disputed, reversed, charged back, or fails, MyNumisVault may suspend or remove Full Access, restrict the account, or delete the account and associated data where appropriate.
No guarantee of uninterrupted access
Subscription payment does not guarantee uninterrupted access, error-free operation, permanent hosting, permanent data retention, or continued availability of any specific feature.
Privacy and Data Responsibility
Information stored
Server mode may store account email, password hash, approval status, plan/access status, collection item data, uploaded image files, audit entries, and operational records needed to run the service.
Sole data liability of user
The user accepts sole responsibility and liability for the accuracy, legality, completeness, backup, security, confidentiality, ownership, use, and consequences of all user data and collection records. MyNumisVault and any owners, operators, administrators, developers, contributors, affiliates, service providers, or associated individuals are not responsible for user data loss, errors, omissions, exposure, misuse, or decisions based on the data.
Images and sensitive collection records
Collectors should treat images, storage locations, inventory values, purchase records, provenance, ownership history, authentication notes, and insurance information as sensitive. Users should avoid entering or sharing information that they are not comfortable storing in the system.
Payments
PayPal or other payment providers may process payment information under their own terms and privacy policies. MyNumisVault does not require users to enter payment card details directly into the MyNumisVault application.
Backups and password loss
Users should export and securely store encrypted backups. Backup files, account passwords, and encrypted backup passwords are the user's responsibility. MyNumisVault cannot recover a lost account password through the site and cannot recover a lost encrypted-backup password.
Deletion
Admin deletion or automated Test Access expiration may remove a user account, collection records, and uploaded files from application storage. Users should export backups before requesting deletion, cancelling access, or reaching Test Access expiration.
Disclaimers and Limitation of Liability
No appraisal or professional advice
MyNumisVault is an inventory and documentation tool only. It does not provide professional appraisal, authentication, grading, financial, investment, tax, accounting, insurance, estate, customs, import/export, or legal advice.
No accuracy guarantee
Catalog references, imported data, ChatGPT-assisted outputs, values, grades, authentication notes, reports, and user-entered records may be incomplete, outdated, inaccurate, or unsuitable for a particular purpose. ChatGPT outputs are generated by a separate third-party service and must be independently reviewed by the user.
No warranty
The service is provided on an "as is" and "as available" basis, without warranties of any kind, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, or data preservation.
Limitation of liability
To the maximum extent permitted by law, MyNumisVault and any owners, operators, administrators, developers, contributors, affiliates, service providers, or associated individuals will not be liable for direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising from use of the service, inability to use the service, data loss, data corruption, unauthorized access, inaccurate records, payment disputes, subscription issues, password loss, account deletion, automated Test Access expiration, or collection-related decisions.
Indemnification
Users agree to defend, indemnify, and hold harmless MyNumisVault and its owners, operators, administrators, developers, contributors, affiliates, service providers, and associated individuals from claims, losses, damages, liabilities, costs, or expenses arising from the user's data, collection records, uploads, account use, misuse, breach of terms, legal violations, or disputes with third parties.
Maximum liability cap
To the maximum extent permitted by law, any total liability of MyNumisVault or associated individuals will not exceed the amount paid by the user for the most recent one month of service.
Intellectual Property and Software Protection
Ownership
MyNumisVault software, layout, source code, interface design, branding, text, workflows, and documentation are protected and may not be copied, redistributed, modified, reverse engineered, sublicensed, or used to create competing or derivative works without written permission.
User content
Users retain responsibility for their own uploaded images and collection data. By uploading content, users confirm they have the right to store and use that content in the application.