Couple Vault is a tool that helps two people coordinate shared life and store sensitive information. It is operated and provided by Venture Returns LLC, a Missouri limited liability company ("we", "us", "our"). These terms are an agreement between you and Venture Returns LLC. This is a Phase-0 pilot provided to evaluate the product. Features and availability may change.
You must be at least 18 years old to use Couple Vault, and you confirm that you are when you set up your vault.
Couple Vault runs in one of two builds, and the one we publish is the cloud build. In the cloud build, setting up a vault requires an account (a phone number, verified by SMS; an optional backup email), and a copy of your content, encrypted on your device before it is sent, syncs to our sync server so it reaches your other device and your partner: we host that copy, but it is ciphertext under keys we never receive, so we cannot read it. In a local-only build, with the cloud features switched off, there is no account and no sync: your vault is encrypted and stored only on your device, and nothing is sent to us. You own the content you create in either build. Document files stay in the storage you choose (this device by default, or your own Google Drive, under your Google account and terms). What we collect and how we handle it is described in the Privacy Policy.
You can delete everything at any time. The in-app "Delete account" action ("Erase everything on this device" when you are not signed in) erases the data on your device and destroys the on-device encryption key (after which any lingering encrypted copy is unrecoverable by us or by you). In the cloud build, it also erases your account on our server (your membership, credentials, and your record with our authentication provider, including the phone number), and your couple's encrypted records are removed from the server once both partners have deleted. You may also set a PIN or passphrase lock; it protects the encryption key on this device, but because we never receive it, a forgotten one cannot be recovered.
The Couple Vault app, its software, design, and the "Couple Vault" name and logo are owned by Venture Returns LLC or its licensors and are protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the app for its intended purpose during this pilot. This does not affect your ownership of the content you create, which remains yours as described above.
Couple Vault helps you organize your own documents and information. It does not provide legal, financial, medical, or tax advice, and is not a substitute for a professional.
What you buy. Couple Vault Plus gives each person it covers 5 GB of hosted file storage on our sync server instead of 256 MB, and removes the free vault taster meter. The daily features stay free. A plan gives you only what this section and the app describe at the time you buy it.
Prices and who a plan covers. Billed together: US$3 a month or US$30 a year, for the couple. It covers both partners while you are connected in the app. Billed separately: US$2 a month or US$20 a year, for one person. It covers only the person who pays. Prices are in US dollars. If a tax applies, the checkout page shows it before you pay.
How you pay on the web. You buy a plan in the web app (Us tab). Payment happens on the checkout page of our payment processor, Stripe. We never receive your card number. Stripe processes your payment under its own terms and privacy policy.
Automatic renewal. A plan renews automatically at the end of each month or year, at the price shown when you bought it, and Stripe charges the payment method you gave until you cancel. The Us tab shows your plan and its next renewal date. If we change a price, we tell you in the app at least 30 days before the change applies to your plan, and you can cancel before then.
Cancelling. You can cancel at any time in the app (Us tab, "Cancel renewal"). Cancelling stops the next renewal. Plus stays on until the end of the period you already paid for, and then your plan ends. Only the person who pays for a plan can cancel it. Files you keep on our server over the free amount stay there after a plan ends, but you cannot add more until you are under it. Deleting your account cancels a plan you pay for on the web. It does not cancel a plan you bought through Apple (section 6b).
Refunds. Except where this section or the law says otherwise, a payment for a period that has started is not refunded. If you were charged by mistake, or a renewal charged you after you cancelled, contact us (section 10) within 30 days and we refund it. If we refund a payment in full, or a payment is disputed with your bank, the plan that payment paid for ends at that time.
EU and UK right of withdrawal. If you are a consumer in the European Union or the United Kingdom, you have the right to withdraw from a plan within 14 days of the day you buy it, without giving a reason. To withdraw, tell us by email (section 10) before the 14 days end. We refund the payment within 14 days of your notice, in full, to the payment method you used, and the plan ends. This right does not limit the cancellation right above.
Failed payments. If a renewal payment fails, Stripe tries again for a short time, and Plus stays on until the end of the period you paid for. If the payment still fails, the plan ends.
Apple is the payment processor. In the iPhone app you buy Plus through Apple's In-App Purchase, with your Apple Account. Apple's terms govern the payment, the billing, the automatic renewal and any refund of that purchase. We never receive your card number. The app shows the price, in your currency and with any tax, in Apple's purchase sheet before you confirm.
What a plan covers. The plan options are the same as in section 6a: a plan billed together covers both partners while you are connected in the app, and a plan billed separately covers only the person who pays. A plan attaches to your Couple Vault account, so it works in the iPhone app and on the web.
Automatic renewal. A plan bought through Apple renews automatically at the end of each month or year until you cancel, and Apple charges your Apple Account. Apple takes the payment up to 24 hours before the period ends.
Cancelling. Cancel in iOS: open Settings, tap your name, tap Subscriptions, choose Couple Vault Plus and cancel. Plus stays on until the end of the period you already paid for. Deleting your Couple Vault account does not cancel a plan that you bought through Apple. Cancel the plan first, or Apple keeps charging you.
Refunds. Apple handles refund requests for purchases made through Apple. Request one at reportaproblem.apple.com. If Apple refunds a purchase, the plan that purchase paid for ends at that time. If you are a consumer in the European Union or the United Kingdom, your right of withdrawal for a purchase made through Apple is handled under Apple's terms.
Restore. If you reinstall the app or use a new iPhone, use "Restore purchases" on the Plus card to get back a plan you already bought through Apple.
These terms are between you and Venture Returns LLC, not with Apple. Apple is not responsible for the iPhone app or its content, for maintenance or support, or for any claim about it. The iPhone app is licensed to you under Apple's standard Licensed Application End User License Agreement, except where these terms say otherwise. Apple and its subsidiaries are third-party beneficiaries of that license, and Apple can enforce it against you. You confirm that you are not in a country under a US embargo or on a US list of prohibited parties. Support for the iPhone app is on the support page.
The pilot is provided "as is", without warranties of any kind. To the maximum extent permitted by law, we are not liable for any loss of data or any indirect or consequential damages arising from your use of the pilot. If you are a consumer, this does not affect mandatory consumer-protection rights you have under the law of your country of residence, and nothing here limits liability that cannot be limited by law.
Except where your local consumer-protection law provides otherwise, these terms are governed by the laws of the State of Missouri, USA, without regard to its conflict-of-laws rules. To the extent the law permits, you and Venture Returns LLC agree that any dispute arising out of or relating to these terms or the app will be resolved exclusively in the state or federal courts located in Cass County, Missouri, and you consent to the personal jurisdiction of those courts.
We may update these terms; material changes will be surfaced in the app. You may stop using the app at any time by clearing your data. If you pay for a plan on the web, cancel it first or delete your account, which cancels it (section 6a). If you bought a plan through Apple, cancel it in iOS first, because deleting your account does not cancel it (section 6b).
Questions about these terms? Help with the app, with deleting your account and with cancelling a subscription is on the support page. To contact the provider:
Venture Returns LLC