MiSalvo

Terms of Service

United States · MiSalvo Inc. · Effective 1 October 2026 · Last updated 16 September 2026

Entity: MiSalvo Inc. (Delaware)

1. Agreement

These Terms of Service (“Terms”) are a contract between you and MiSalvo Inc. (“MiSalvo,” “we,” “us”). They cover misalvo.com and your use of MiSalvo features (Circle, Vault, Missions, Salvos, and related product tools). Together with the iOS app, that is the “Service.”

App Store license. Downloading the iOS app is licensed under Apple’s Standard Licensed Application End User License Agreement, unless Apple later shows a custom license for MiSalvo. That is the App Store license. These Terms are additional terms for how you use the Service. If they conflict with Apple’s EULA on the Licensed Application itself, Apple’s EULA controls for that license. Our Privacy Policy still applies.

When we launch on Google Play, Google’s terms will apply to that purchase. These Terms will also cover the Android app as additional terms, the same way they cover iOS.

By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

We may update these Terms. We will post the updated version with a new effective date. Material changes will be shown in the app. Continued use after the effective date constitutes acceptance where permitted by law.

Public Terms URL: https://misalvo.com/terms

2. Eligibility

You must be at least 18 years old to create and own a MiSalvo account. By creating an account you represent that you are 18 or older. We rely on your affirmation. We do not independently verify age at signup unless required by law or Apple store rules (and Google store rules when we launch on Google Play).

3. Circle (household), roles, and children

MiSalvo is built for households (“Circle”).

3.1 Bill payer (account holder)

The adult who creates the paying account is the bill payer. They accept these Terms, control billing via Apple (and Google when we launch on Google Play), and may invite others and add Juniors (subject to Section 3.3).

3.2 Invited Adults and Seniors

Invited Adults and Seniors create their own MiSalvo profile / session and accept these Terms themselves. They typically use seats on the bill payer’s plan and do not purchase a separate subscription. On iOS they also accept Apple’s Standard Licensed Application EULA when they download the app. Each Adult’s Vault is private to them under product rules. Joining a Circle does not mean the bill payer can read another Adult’s Vault.

3.3 Juniors (children under parental or legal guardian responsibility)

The bill payer may add minor children for whom they have parental or legal guardian responsibility as Juniors, with parental / guardian attestation. Launch rules:

3.4 Admin

The bill payer may grant Admin for circle operations (e.g. remove / freeze). Admin is not a co-owner of other Adults’ Vaults and does not get ambient Junior paper access beyond product rules.

3.5 Your responsibility

You agree you have authority to invite people you add, and you will not add minors except as allowed above. You are responsible for activity under your account and for safeguarding recovery materials (Section 4).

4. Account, unlock, and recovery

Access is by device biometrics (or device passcode → Restricted Mode) plus recovery materials you hold:

Day-to-day sign-on is biometric (or device passcode → Restricted Mode). There is no email-and-password login. These paths exist because zero-knowledge encryption has no password-reset email. MiSalvo staff cannot decrypt your Vault for convenience.

Important: Because document keys stay with you, if you lose all signed-in devices and your Vault key and Spare Key paths (and cannot use another device to send a recovery code), neither you nor MiSalvo can recover Vault plaintext. Keep your Vault key safe and separate from your only phone when practical.

Junior recovery is different. A Junior is not required to retain a Vault key or nominate a Spare Key. After a biometric check, the bill payer can issue a fresh private recovery link. Its short-lived, one-time secret is not shown in the message or sent to MiSalvo’s web server. It reconnects the existing Junior Vault and revokes prior Junior sessions.

We do not collect or store biometric templates; unlock uses your device’s operating system.

Restricted Mode and account freeze are product safety features. Freeze and similar controls may limit recovery messaging while active, as designed.

5. Acceptable use

You agree not to use the Service to:

Because of our encryption design, we cannot pre-screen Vault contents. We enforce at the account / metadata level and via valid legal process (Section 7).

6. Abuse limits without reading Vault content

MiSalvo is private household storage and life-admin. Not a public social feed. Controls include:

We do not claim content-scanning of encrypted Vault bodies.

7. Your content, our IP, copyright

7.1 Your content

You keep rights to documents and information you put into MiSalvo. You grant us a limited technical licence to host, sync, encrypt, and deliver content as needed to operate the Service and to carry out sends you initiate.

We do not use your Vault content to train MiSalvo AI models or for advertising.

7.1A Optional cloud label assist (not on at launch)

Most labelling of merchants and document types happens on your device. There is no free-form chat with your Vault.

Not on at this launch. We may later use a limited cloud label service when on-device confidence is low. That would be a contracted enterprise AI provider under no-training terms, from short text snippets only. Details are in the Privacy Policy §4.10. If we turn it on, we will update these Terms and the Privacy Policy first.

Your papers stay yours. Staff, advertisers, and ordinary third parties do not get readable Vault documents or your encryption keys. If cloud assist later ships, it is not a chat with a person and does not open your Vault for browsing. Only an allowlisted short snippet would go to that automated service so a label can return. Caps or a kill-switch may disable cloud assist. On-device labelling continues.

Salvo letters and claim packs are assembled from templates and structured slots. AI does not write claim letters. If we later add more AI features, we will update these Terms and the Privacy Policy.

7.2 Our platform, trademarks, and limited public materials

The MiSalvo apps, website, catalogs, designs, and technology are owned by MiSalvo Inc. and its licensors. We grant you a limited, personal, non-exclusive, non-transferable licence to use the Service under these Terms.

Website and app design. The website, app chrome, original copy, product names, layout, and how the pages are arranged are owned by MiSalvo Inc. You may link to public pages. You may not copy, scrape, clone, republish, or reproduce the site or the app to build a competing product, or pass the design off as your own, without our prior written permission. Nothing here grants a licence to our copyrights, trademarks, or trade dress.

Trademarks. MiSalvo is a trademark of MiSalvo Inc. (and may be registered or applied for in the United States and other countries). No licence to use our marks is granted except as needed to refer accurately to the Service. You may not copy, imitate, or use our marks in a way that is likely to cause confusion, or suggest sponsorship, without our prior written permission. We intend to protect our marks, including through US registration and, where we choose, international systems such as the Madrid Protocol. Nothing in these Terms waives our right to enforce our intellectual property. We do not claim copyright in the ordinary English word “salvo”; in the Service, Salvo is a product feature name for a gather-and-fire pack.

Library materials. MiSalvo’s original questions, explanations, selection, arrangement, and presentation are protected by copyright. You may link to the Library and quote short excerpts with clear attribution. You may not scrape, reproduce, republish, sell, or use a substantial part of the Library to build a competing dataset or service without our written permission. Facts and government materials from official sources remain subject to their own public status and rights; MiSalvo claims only its original expression, selection, arrangement, and presentation.

Limited public technical materials. For transparency, we may publish a small, curated set of technical materials (for example on our website or a public code repository) so users can see aspects of how security is designed. That publication is not a release of the full Service as open source, does not grant rights beyond any licence stated with those materials, and does not waive our copyrights, trademarks, or trade secrets in unpublished code or systems. Do not assume unpublished components may be copied.

Privacy design aim. The Service is engineered towards GDPR-aligned data-protection practices (see Privacy Policy). That is a product design aim for US launch and future markets. It is not a representation that MiSalvo is GDPR-certified or that UK/EU legal formalities are complete.

Where sealed copies live. Sealed Vault copies sit on a regional host for the household. Today, households in the United States, Canada, and Mexico use a host in Ohio, United States. When we open the UK, those households are designed for Frankfurt, Germany. EU households, including Ireland, are designed for the same host in Frankfurt, Germany. South America is planned for São Paulo, Brazil. Asia-Pacific is planned for Singapore. When we open India, those households will use Mumbai, India. South Africa stays on the United States host until a local option exists. That is intent. It is not a claim that UK/EU traffic is hosted in Europe today. Apple billing and optional push can still run outside that country. Details: Privacy Policy §8.1.

We respond to valid US copyright notices under the Digital Millennium Copyright Act. Because Vault content is encrypted, our ability to locate allegedly infringing material inside a Vault is limited; we may act at the account level where appropriate.

Designated agent (U.S. Copyright Office directory. Registration No. DMCA-1077384. Status Active as of 4 August 2026):

To submit a copyright infringement notice, email or write to the designated agent above with the information required by 17 U.S.C. § 512(c)(3) (identification of the work and the allegedly infringing material, your contact details, a good-faith statement, and your signature under penalty of perjury). We may share your notice with the account holder and may remove or disable access to material, or act at the account level, where appropriate.

8. What MiSalvo does and does not promise

MiSalvo helps you capture, organise, and retrieve papers, run Missions with your Circle, and assemble Salvos (gather-and-fire packs) that you send. That is preparation and organisation help. It is not a promise about outcomes.

Third parties (insurers, tax authorities, employers, landlords, agencies, courts, etc.) decide outcomes. To the fullest extent permitted by law, MiSalvo does not promise that you will:

Catalog facts and checklists are procedural references, not legal, tax, insurance, immigration, or benefits advice, and not a guarantee a claim will succeed. MiSalvo does not file with agencies or act as your lawyer, accountant, or agent. If cloud label assist later ships (Section 7.1A), it only helps categorise short text. It does not decide claim outcomes.

You decide what to send, when, and to whom.

When you Fire a Salvo, Share a pack or PDF, export, or open a secure link for someone else, you choose the recipient and content. Once information leaves MiSalvo, the recipient’s systems and policies apply. See Privacy Policy §7 (share-outside boundary).

Secure links may be revocable / expiring as implemented in the product. Revocation cannot undo copies already made outside MiSalvo.

If you tap an external link in the app (for example to IRS.gov or another agency or company site), it opens in a Safari view inside the app so you can tap Back and return to MiSalvo. That third party’s terms and privacy practices still apply. On the website, official links open in the same tab so your browser’s back arrow returns you to MiSalvo.

9.1 Preferred professionals and partners (future release)

In a future release, the Service may, in some markets, offer an optional preferred professional path (for example Estate to a preferred solicitor / counsel) or a partner-powered panel. This feature will not be available at launch. You may ignore that path and only Fire packs yourself. Preferred panels may be demo-only, limited by country, unavailable, or never generally released. We will not treat a design or beta panel as a live worldwide network.

If you Contact a preferred firm, you choose to start that intro. MiSalvo does not book meetings for you, does not practise law, and does not endorse the quality of any firm. Firms keep their own document systems and their own engagement terms after the intro.

Compensation. If this path later ships, MiSalvo and/or a channel partner may receive a fee or revenue share related to preferred Contact / panel attribution. Your subscription (if any) is billed by Apple as set out in Section 10, and by Google when we launch on Google Play.

We are never compensated from money that is yours. We do not take a percentage of tax refunds, benefits, claim payouts, reimbursements, estate or inheritance money, or other amounts you recover or receive. Preferred-partner compensation is not a cut of your outcome.

Privacy details (including that Vault papers are not handed to partners as plaintext) are in the Privacy Policy §7.1.

10. Trial, subscriptions, Apple billing (Google Play when we launch)

10.1 Store is merchant of record

Paid plans and trials at this US launch are sold through the Apple App Store. Apple’s terms and refund rules apply to that payment. Cancel or manage the subscription in your Apple ID settings (and any in-app links we provide to that flow). When we launch on Google Play, Google will be the merchant of record for purchases made there, and Google’s terms will apply to those payments.

10.2 Free features, Vault trial, and paid plans

Creating an account is free. Missions and Today (and related habit features we designate as free in the product) may remain available without a paid subscription.

We may offer a 14-day Vault trial. The trial clock starts when you confirm that trial (including Circle seat count) as you first save a document to Vault. Not merely when you create an account, and not if you choose to stay on free Missions only. During an active Vault trial or paid plan, you may use Vault features (subject to plan limits) and grow your Circle (invite Adults/Seniors and add Juniors), subject to seat and storage limits shown in the app.

If the Vault trial ends without an active paid subscription, you may still open papers you already saved. Adding, editing, or sending a Salvo pack (Fire / share / secure link) may require a paid plan. Missions and Today may continue. Trial end is not account deletion. Export and leave stay available. Paid-plan billing starts under the applicable store’s rules when you subscribe.

10.3 Who pays

Only the bill payer purchases the plan. Circle invitees use seats on that plan; they are not asked for a second household subscription for Circle membership. Inviting others or adding Juniors requires an active Vault trial or paid plan. A solo free (Missions-only) account cannot grow a Circle until then.

10.4 Auto-renewal

Subscriptions renew automatically unless cancelled under the applicable store’s process before renewal.

10.5 Plan limits and fair use

Plans include storage, seat, and related limits shown in the app / pricing. Limits are enforced by size, format, and account rules. Not by inspecting document meaning.

Fair use: the Service is for genuine personal / household life-admin. We may give notice and ask you to reduce use or move tiers if use is materially and persistently beyond normal household use for your plan (e.g. bulk hosting / resale). We do not use dark-pattern upgrade nags as the enforcement model.

11. Cancelling billing vs deleting your account

Cancel subscription (Apple, and Google when we launch on Google Play): stops paid renewal per that store. It does not by itself wipe your account.

1. Download / confirm export of your data

2. Schedule deletion

3. 14-day cooling-off (cancel anytime before due)

4. Hard wipe of data we control

Circle exits: You may Leave quietly or Leave safely (save shared papers into your Vault first) as implemented. Quiet leave is designed so the other side is not push-notified about why you left. Owner removal of a member may include an in-app migration window for shared docs.

We may suspend or terminate accounts that breach these Terms or where required by law.

12. “As is” disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION.

Some states do not allow certain disclaimers; some rights may still apply.

13. Limitation of liability

To the maximum extent permitted by applicable US law, MiSalvo’s total liability arising out of or related to the Service or these Terms is capped at the greater of (a) US $100 or (b) the amounts you paid to MiSalvo for the Service in the twelve (12) months before the claim (via Apple, or Google when we launch that store, as attributable to your subscription). Indirect, incidental, special, consequential, and punitive damages are excluded to the fullest extent permitted.

Some states do not allow certain limitations; some rights may still apply.

14. Indemnity

To the extent permitted by law, you agree to defend and hold MiSalvo harmless from claims arising from your misuse of the Service or your breach of these Terms, except to the extent caused by MiSalvo’s willful misconduct.

15. Governing law

These Terms are governed by the laws of the State of Delaware, USA, excluding conflict-of-law rules, except that consumer-protection laws of your state of residence may still apply.

16. Dispute resolution

Please contact us first in-app (Account → Help) so we can try to resolve the issue. If we cannot resolve it, disputes will be handled in the state or federal courts located in Delaware, USA, except where consumer-protection laws of your place of residence require otherwise, or where small-claims court is available to you.

17. General

If any provision is unenforceable, the rest remains in effect. Failure to enforce is not a waiver. You may not assign these Terms without our consent; we may assign them in a corporate transaction. These Terms, the Privacy Policy, and (for the iOS app) Apple’s Standard Licensed Application EULA are the agreement regarding the Service. When we launch on Google Play, Google’s terms apply to that purchase as well.

18. Contact

Questions about these Terms: in-app Account → Help / support.

Legal notices: see Contact, or write to .