Terms of Service

By downloading or using Itemized Home you agree to these terms. If you do not agree, do not use the app. If you are using it on behalf of an organization, you confirm you have authority to accept these terms for it.

We grant you a personal, non-exclusive, non-transferable, revocable licence to use Itemized Home on devices you own or control, for your own purposes. You agree not to:

• Copy, modify, reverse engineer, decompile, or attempt to derive the source code of the app, except where that restriction is prohibited by law
• Rent, lease, sell, sublicense, or redistribute the app
• Use the app to break the law or to infringe anyone’s rights
• Use the app to prepare or support a claim you know to be false

Everything you put into Itemized Home belongs to you. Because the app stores your inventory on your device rather than on our servers, we do not receive, host, or claim any licence to your content. See our privacy policy for the detail.

You are responsible for keeping your own backups. Because there is no cloud copy, we cannot recover your inventory if your device is lost, damaged, reset, or if the app is deleted.

Curious Cat Consulting, LLC is not an insurance company, an insurance adjuster, a law firm, or an appraiser. Nothing in Itemized Home is legal advice, insurance advice, or a professional valuation.

The app helps you assemble a document from information you enter. The Proof of Loss it produces follows a sworn statement format used in Florida and includes the fraud notice that Florida law requires. Requirements differ from state to state and from insurer to insurer, and your policy may impose its own form, deadlines, or content. A document generated by the app may not satisfy the requirements that apply to you.

You are responsible for reviewing any document before you sign, swear to, or submit it, and for confirming that it is accurate and complete. Have your adjuster, agent, or attorney confirm the correct form and process for your claim. Values shown in the app, including any total inventory value, are arithmetic on the figures you entered. They are not appraisals, and they do not represent what an insurer will pay.

Submitting a false or fraudulent claim or supporting document is a crime in most jurisdictions. You are solely responsible for the truth of what you enter and submit.

Itemized Home is currently offered free of charge, with no subscription and no in-app purchases. We may change what the app offers, or stop offering it, at any time. If we ever introduce paid features, we will make the terms clear before you are charged.

The app uses a small number of third-party services described in our privacy policy, and it is distributed through the Apple App Store. Their terms apply to their parts of the experience, and we are not responsible for services we do not control.

To the fullest extent permitted by law, Itemized Home is provided “as is” and “as available” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the app will be uninterrupted, error free, or that it will meet the requirements of any particular insurer or legal process.

To the fullest extent permitted by law, Curious Cat Consulting, LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, loss of profits, denied or reduced insurance claims, or costs of substitute services, arising out of or relating to your use of the app. Our total liability for any claim relating to the app will not exceed the greater of the amount you paid us for it in the twelve months before the claim, or twenty five United States dollars.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

If you obtained the app from the Apple App Store, you acknowledge that these terms are between you and Curious Cat Consulting, LLC only, not with Apple, and that Apple is not responsible for the app or its content. Apple has no obligation to provide support for the app. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. Your use is also subject to Apple’s standard licensed application end user licence agreement.

You may stop using the app at any time by deleting it. We may suspend or end your licence if you materially breach these terms. Sections 3, 4, 7, 8, and 11 survive termination.

These terms are governed by the laws of the State of Florida, United States, without regard to its conflict of law rules. Where permitted, disputes will be brought in the state or federal courts located in Florida. Nothing here removes any consumer protection right you have under the law of the place where you live.

We may update these terms, and the date at the top of this page will change when we do. Continuing to use the app after an update means you accept the revised terms.

Questions about these terms can go to support@curiouscat.consulting, or through the chat on our support page.

Curious Cat Consulting, LLC