TERMS OF SERVICE
Effective Date: November 8, 2026
Last Updated: November 8, 2026
Entity: Storehouse Vault Technologies, LLC ("Storehouse Vault," "Storehouse," "we," "our," or "us")
Website: https://storehousevault.com
Governing Jurisdiction: State of North Carolina, United States
1. Acceptance of Terms
By accessing storehousevault.com, submitting your information to our waitlist, participating in our referral program, or downloading and using the Storehouse Vault mobile application (collectively, the "Services"), you agree to be legally bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not access or use the Services.
2. Non-Bank & Educational Simulation Disclaimer
• Not a Bank or Financial Advisor: Storehouse Vault Technologies, LLC is a financial technology and behavioral software company. We are not a chartered bank, credit union, trust company, broker-dealer, or registered investment advisor.
• No Financial Advice: Nothing on our website, in our emails, or within the Storehouse Vault application constitutes legal, tax, investment, or personalized financial advice. You are solely responsible for your financial decisions.
• Habit-Building & Simulation Tools: Our goal-tracking vaults, behavioral mindset assessments, and arcade features are educational and self-discipline tools designed to help users curb impulse spending.
3. Waitlist Queue, Reserved Handles & Anti-Fraud Rules
• No Guarantee of Specific Launch Date: Joining the waitlist reserves your priority queue spot and display handle for our upcoming iOS and Android release, but does not guarantee a specific release date or uninterrupted service availability.
• Handle Reservation Policy: Reserved handles are subject to availability and decency standards. We reserve the right to reclaim or modify handles that infringe trademarks, impersonate others, contain offensive language, or remain unclaimed for more than 30 days after official App Store launch notifications are sent.
• Prohibition on Referral Manipulation: Users may not use disposable email addresses, automated bots, self-referrals, or deceptive spam tactics to artificially inflate referral counts or manipulate the Top 50 Leaderboard. We reserve the right to audit referral logs, strip fraudulent tokens, and disqualify manipulated accounts from leaderboard bonuses at our sole discretion.
4. Virtual Tokens & Promotional Launch Bonuses
• No Cash Value: Gold Tokens, waitlist signup credits (including the 500-token starting balance), referral bonuses (+250 tokens per verified referral), SMS opt-in bonuses (+100 tokens), and the #1 Leaderboard Crown Bonus (+700 tokens) are virtual in-app utility points with zero monetary or cash value.
• Non-Transferable: Virtual tokens cannot be sold, traded, bartered, or redeemed for US dollars or real-world currency. Token balances are tied to your registered waitlist email address and activate inside your mobile app profile upon launch using that matching email. We reserve the right to adjust virtual token economies or game mechanics at any time.
5. Vault Lock Rules & Early Breakout Fees (Mobile Application)
Upon the launch of the Storehouse Vault mobile application, users who choose to utilize locked goal vaults voluntarily agree to the behavioral lock parameters selected during vault setup, including target amounts, lock expiration dates, applicable early-withdrawal discipline fees (such as the standard 10% early breakout fee), and earned annual emergency waiver rules as disclosed inside the application prior to locking funds.
6. Intellectual Property & Proprietary Rights
All software architecture, server-side behavioral formulas, database schemas, arcade game mechanics, user interfaces, visual designs, graphics, logos, copywriting, and trademarks associated with Storehouse Vault and Storehouse Vault Technologies, LLC are the exclusive intellectual property of Storehouse Vault Technologies, LLC and are protected under United States and international copyright, trademark, and trade secret laws. You may not reverse-engineer, scrape, copy, or replicate any portion of our Services.
7. Third-Party Retail Links & Affiliate Disclosures
Storehouse Vault may display links, offers, or rewards connected to third-party retail merchants and affiliate networks. When a vault matures and you choose to visit a partner merchant, your purchase occurs directly on that merchant’s platform under their terms and return policies. Storehouse Vault Technologies, LLC may receive an affiliate commission from partner merchants at no additional cost to you, and we are not responsible for third-party merchant products, shipping, or customer service.
8. Disclaimer of Warranties & Limitation of Liability
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STOREHOUSE FINANCIAL TECHNOLOGIES, LLC AND ITS FOUNDERS, OFFICERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR VIRTUAL TOKENS ARISING OUT OF YOUR USE OF THE WEBSITE OR SERVICES.
9. Governing Law & Dispute Resolution
These Terms and any dispute arising out of or relating to the Services shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict-of-law rules. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in Mecklenburg County or Rowan County, North Carolina, and you consent to personal jurisdiction in those courts.
10. Changes to Terms & Contact
We may update these Terms from time to time by posting the revised version on storehousevault.com with an updated Effective Date. Continued use of the Services constitutes acceptance of the updated Terms. For questions, contact support@storehousevault.com (Storehouse Vault Technologies, LLC, North Carolina, USA)