Terms of Use

Ownly is operated by adodesign LLC(“adodesign”, “we”, “us”, “our”). By creating an account, accessing, or using Ownly, you agree to these Terms of Use and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use Ownly.

If you accept these terms on behalf of a company or other organisation, you represent that you have authority to bind it, and “you” means that organisation.

You must be at least 16 years old, or the age of digital consent in your country if lower, and able to form a binding contract. You may not use Ownly if we have previously suspended or banned you, or if you are barred from doing so under applicable law, including trade sanctions and export control law.

You are responsible for keeping your credentials secure and for all activity under your account. Use a unique password and do not share your login. Tell us promptly at [email protected] if you suspect unauthorised use. We are not liable for losses arising from your failure to safeguard your credentials.

Email verification is required. Keep your email address current — it is how we send billing notices, security alerts, and password resets.

Content in Ownly belongs to a workspace, not to an individual. The workspace owner and its administrators can view, edit, and delete all content in that workspace, manage members and roles, see the activity log, and control the subscription.

• By inviting someone, you confirm you are entitled to give them access to the workspace and its contents.
• Content you add to a shared workspace remains with that workspace if you leave or are removed.
• Where an organisation owns the workspace, it — not you personally — controls that content, and it may remove your access at any time.

Do not place information in a shared workspace that you are not willing for its members to see.

Ownly offers a free plan and paid plans. Current prices, limits, and features are shown in the app and at checkout. Payments are processed by Stripe; we never receive your full card number.

Paid plans renew automatically. Your subscription continues and your payment method is charged at the start of each billing period — monthly or annually, as selected — until you cancel. You may cancel at any time from Settings, through the billing portal.

• Cancellation. Cancelling stops future charges. Your paid features remain available until the end of the period you have already paid for, after which the account reverts to the free plan.
• Refunds. Except where required by law, payments are non-refundable and we do not provide partial refunds or credits for unused time.
• Price changes.We may change prices. Changes take effect at your next renewal and we will give you at least 30 days’ notice by email. If you do not accept a change, cancel before it takes effect.
• Taxes. Prices exclude taxes unless stated. You are responsible for any tax other than tax on our income.
• Failed payment. If a charge fails, we may suspend paid features until it is resolved.
• Ending a paid plan.If your workspace still fits inside the free plan, it simply becomes a free account and stays that way indefinitely — we do not delete it. If it holds more than the free plan allows, it is paused instead. See section 6.
• One-time purchases. Add-on packs, such as additional AI scans or storage, are charged once, are non-refundable, and are consumed as described at purchase.
• Plan limits. Each plan has limits on items, locations, members, storage, and AI scans. We enforce these; exceeding a limit may block further additions until you upgrade or free up space.

If a paid plan ends and your workspace holds more than the free plan allows — more items, rooms, members, or storage — we do not delete it and we do not silently keep charging you. We pause it.

• Nothing is deleted while paused. Everything stays exactly as you left it.
• You can still sign in to download all of your data, restart your subscription, or delete the account.
• You have 90 days. The exact date is shown every time you sign in, and we email you 30 days beforehand and again 7 days beforehand.
• Restarting your subscription unpauses it immediately, with nothing lost. So does deleting enough that you fit within the free plan again.

If none of those happen within 90 days, the workspace and everything in it is permanently deleted. Download anything you want to keep before then.

A workspace that fits inside the free plan is never paused and never deleted for non-payment. The free plan is free indefinitely. It can still be closed for disuse, which is section 7 and has nothing to do with what you pay.

We do not keep accounts nobody uses. This is the only circumstance in which we close an account you have not asked us to close, and it has nothing to do with whether you pay — a free account in use is kept indefinitely.

• Unconfirmed signups. If you never confirm your email address you cannot sign in at all, and we delete the account after 7 days. You can ask us to resend the confirmation at any time before that.
• Accounts that were never filled in. If you confirm your address but never add anything, we close the account after 90 days without a sign-in.
• Accounts nobody signs into. If your account holds records but nobody signs in for 24 months, we close it.

Signing in is all it takes. Where your account holds anything, we email you 30 days before the deadline and again 7 days before it, at the address on the account. One visit resets the clock completely — there is nothing to do and nothing to pay.

If we do close an account this way you have the same 7 days to sign in and restore it that any other deletion gets, and we email you when the clock starts. We will not close an account that is paying, that is suspended, or that owns a workspace other people are still using.

You keep ownership of everything you add to Ownly. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display, and process your content solely to operate and improve the service for you — including storing it with our providers, generating thumbnails, running AI scans you request, screening uploads, and creating backups. This licence ends when you delete the content or your account, except for copies retained in backups or as required by law.

You are responsible for your content and confirm you have the rights necessary to upload it. We do not claim ownership of it and will not use it to advertise to you or sell it.

Ownly is not a backup service. Keep your own copies of anything you cannot afford to lose. You can export your inventory to CSV at any time.

You agree not to upload, store, or share content that:

• is illegal, including any sexual content involving minors, which we report to the authorities as required by law;
• is sexually explicit, pornographic, or obscene;
• depicts or promotes violence, self-harm, or harm to others;
• infringes anyone’s intellectual property, privacy, or publicity rights;
• is harassing, hateful, defamatory, or abusive;
• contains malware or malicious code.

You also agree not to:

• probe, scan, or test the vulnerability of the service, or breach or circumvent its security or authentication;
• access the service by automated means, scrape it, or resell, sublicense, or provide it as a service to third parties;
• reverse engineer or attempt to derive source code, except where that restriction is prohibited by law;
• circumvent plan limits, storage caps, or AI scan quotas, or create accounts to evade a suspension;
• impose an unreasonable load on our infrastructure, or interfere with other users.

Uploading prohibited content may result in immediate removal, suspension, or permanent ban. We operate a zero-tolerance policy on child sexual abuse material and will preserve and report it as the law requires, without notice to you.

Images you upload are automatically screened before storage. We may remove content and suspend or terminate accounts that violate these terms, with or without notice. Repeated violations accumulate strikes leading to suspension; severe categories cause immediate suspension. You may contest a decision at [email protected].

You may stop using Ownly and delete your account at any time, from Settings. On termination by either of us, your right to use the service ends immediately.

Deleting your account is permanent. Everything in the workspaces you own — records, documents, photos, and every uploaded file — is erased. You have 7 days to change your mind, during which you can sign in to restore the account or download your data. After that there is no recycle bin and no way for us to restore it.

Because the end of that window is final, we put an export link directly above the delete button and ask you to confirm twice: once with your password, and once by typing your own email address. We also email you when the clock starts, so that a deletion you did not authorise cannot pass unnoticed. If you would rather not wait, there is an option to erase everything immediately instead. Download anything you want to keep. You can export your full account at any time, including while it is paused or scheduled for deletion. What survives deletion is listed in our Privacy Policy — it is a short list, and almost none of it is your content.

If you own a workspace that has other members, deletion is refused until you transfer ownership or remove them, so their data is never destroyed by your decision. Sections 8 and 11 through 23 survive termination.

Ownly offers optional AI features to read item photos, receipts, and bank or card statements. They are convenience tools that produce suggestions, not verified data.

AI output is frequently imperfect. Amounts, dates, merchant names, serial numbers, and categories may be misread, incomplete, or entirely wrong. Review every AI-generated value before relying on it. You are solely responsible for the accuracy of the records you keep.

AI features are never automatic — nothing is sent to our AI provider unless you start a scan. AI features depend on a third-party provider and may be changed, limited, or discontinued. Scan quotas are per plan and reset each billing period. See the Privacy Policy for what is sent.

Ownly is a record-keeping tool. It does not provide legal, tax, accounting, insurance, appraisal, or financial advice, and it is not a substitute for a qualified professional.

Values, depreciation figures, tax categories, coverage fields, warranty dates, and maintenance schedules in Ownly are the information you entered or that a scan suggested. They are not appraisals, not verified against any insurer or authority, and are not guaranteed to be accurate, current, or sufficient for any purpose.

Do not rely on Ownly alone for an insurance claim, a tax filing, a warranty claim, a legal proceeding, or a valuation. Verify independently and keep original documents. We are not responsible for a denied claim, a missed deadline, a lapsed warranty, an uncompleted maintenance task, or a tax position taken in reliance on Ownly, including where a reminder failed to send or arrived late.

Ownly, its software, design, and branding are owned by adodesign LLC and protected by intellectual property law. These terms grant you a limited, revocable, non-exclusive, non-transferable right to use the service. We reserve all rights not expressly granted. You may not use our name or logo without our written permission.

If you send us ideas or suggestions, you grant us an unrestricted, perpetual, royalty-free right to use them without obligation or compensation to you.

If you believe content on Ownly infringes your copyright, email [email protected] with: identification of the work; identification of the material and where it is; your contact details; a statement that you believe in good faith the use is unauthorised; a statement, under penalty of perjury, that your notice is accurate and you are authorised to act; and your signature. We remove infringing content and terminate repeat infringers.

Ownly depends on third parties including Stripe, Cloudflare, OpenAI, Resend, and Google. We are not responsible for their acts, omissions, or outages. We may modify, suspend, or discontinue any part of the service, and may change or remove features and plans. If we discontinue Ownly entirely, we will give you reasonable notice and an opportunity to export your data.

We do not promise any particular uptime and provide no service level agreement. The service may be unavailable for maintenance, updates, or reasons beyond our control.

OWNLY IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the service will be uninterrupted, secure, or error-free, that defects will be corrected, that data will not be lost, or that AI output or reminders will be accurate or timely. Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER ADODESIGN LLC NOR ITS OFFICERS, MEMBERS, EMPLOYEES, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, OR DATA, ARISING FROM OR RELATING TO YOUR USE OF OWNLY, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO OWNLY WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED US DOLLARS ($100) OR (B) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limits apply regardless of the theory of liability and even if a remedy fails of its essential purpose. They do not limit liability that cannot be limited by law, including for fraud, wilful misconduct, or death or personal injury caused by negligence. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You will indemnify and hold harmless adodesign LLCand its officers, members, and employees from any claim, damage, loss, liability, and expense, including reasonable legal fees, arising from your content, your use of Ownly, your violation of these terms or applicable law, or your infringement of anyone’s rights. We will notify you of any such claim and may assume its exclusive defence at your expense.

This section affects your legal rights. It requires most disputes to be resolved by individual arbitration rather than in court, and waives your right to a jury trial and to participate in a class action. You may opt out within 30 days.

Talk to us first. Before starting a formal proceeding, email [email protected] describing the dispute and the relief you want. We will try in good faith to resolve it for 60 days.

Arbitration. If we cannot resolve it, you and we agree that any dispute arising out of or relating to these terms or Ownly will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will take place in Florida, or by telephone or video, or in your home county if you prefer. The arbitrator’s award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs this section.

Class-action waiver. You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this section still applies.

Exceptions. Either of us may bring an individual claim in small-claims court, and either of us may seek injunctive relief in court for infringement or misuse of intellectual property.

How to opt out. You may reject this arbitration agreement by emailing [email protected]with your account email and the words “arbitration opt-out” within 30 days of first accepting these terms. Opting out affects nothing else in this agreement, and we will not hold it against you.

Consumers outside the United States. If you are a consumer resident in the EEA, the United Kingdom, or another jurisdiction whose law prevents it, this arbitration agreement and class-action waiver do not apply to you, and you keep any right to bring proceedings in your local courts and to rely on your local consumer protection law.

These terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules. Subject to section 20, the state and federal courts located in Florida have exclusive jurisdiction, and you consent to their personal jurisdiction and venue. If you are a consumer resident elsewhere, this does not deprive you of the protection of mandatory law in your country of residence.

We may update these terms. When we do, we revise the version shown at the top of this page. For material changes we will notify you and require you to accept the updated terms before continuing to use Ownly. If you do not accept, you must stop using the service and may cancel. Continued use after a non-material update means you accept it.

• Entire agreement. These terms and the Privacy Policy are the whole agreement between us about Ownly and supersede any prior understanding.
• Severability. If a provision is unenforceable, it is modified to the minimum extent necessary, or severed, and the rest remains in force.
• No waiver. Not enforcing a provision is not a waiver of it.
• Assignment. You may not assign these terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither of us is liable for delay or failure caused by events beyond reasonable control.
• Notices. We may give notice by email to your account address or by posting in the app. Send notices to us at [email protected].
• No third-party beneficiaries. These terms create no rights for anyone other than you and us.
• Relationship. Nothing here creates a partnership, agency, or employment relationship.

Questions about these terms? Email [email protected].