Terms of Service

1. Acceptance of Terms

By accessing or using the FLOAT platform ("Service"), operated by Float Insure Technologies Inc. ("FLOAT," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

FLOAT is a free collection tracker and valuation tool for collectibles and alternative assets, including sports and trading cards, fine art, watches, wine, jewelry, sneakers, handbags, coins, comic books, memorabilia, and stamps. The Service includes portfolio tracking, valuations based on market data, market analytics, and records of the items in your collection.

FLOAT does not sell, place, or bind insurance. See Section 6.

3. Intellectual Property

The FLOAT platform, including its valuation methodology, comp-driven valuation engine, market-data integration, analytics algorithms, and related technologies, is proprietary technology of FLOAT.

All content, features, functionality, software, code, algorithms, data models, user interface designs, and documentation comprising the Service are owned by Float Insure Technologies Inc. and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

3.1 Trademarks

"FLOAT," the FLOAT logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Float Insure Technologies Inc.. You may not use such marks without the prior written permission of FLOAT.

3.2 Restrictions

You may not: (a) copy, modify, or create derivative works based on the Service; (b) reverse engineer, disassemble, decompile, or attempt to discover the source code, algorithms, or underlying ideas of any part of the Service; (c) use any automated system, including robots, spiders, or bulk data-harvesting tools, to access the Service; (d) sublicense, sell, resell, transfer, assign, or distribute the Service or any rights therein; (e) use the Service for any unlawful purpose or in violation of any applicable laws or regulations.

4. User Accounts

You must provide accurate, complete, and current information when creating an account. You are responsible for safeguarding your password and for all activities that occur under your account. You must notify FLOAT immediately of any unauthorized use of your account.

5. Valuations & Market Data

Valuations provided by the Service are estimates based on market data from third-party sources and proprietary algorithms. FLOAT does not guarantee the accuracy, completeness, or timeliness of any valuation. Valuations should not be relied upon as the sole basis for purchasing, selling, insuring, or making any financial decision regarding any asset. Market conditions can change rapidly, and actual sale prices may differ materially from estimated values.

When you identify an item from a photo, the suggested identification is produced by automated AI models and may be wrong. Review each suggestion before you save it.

VALUATIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND.

6. No Insurance Is Offered

FLOAT is not an insurer, insurance agent, insurance broker, or managing general agent, and FLOAT has no relationship with any insurance carrier. FLOAT does not sell, place, or bind insurance, and nothing in the Service is an offer of insurance, a quote from an insurer, or a binder of coverage.

If FLOAT offers an insurance-related product in the future, it will be described separately, with its own terms, before it becomes available.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FLOAT INSURE TECHNOLOGIES INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (C) ANY VALUATIONS, MARKET DATA, OR OTHER INFORMATION OBTAINED FROM THE SERVICE; (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT; OR (E) ANY DISPUTE BETWEEN YOU AND ANY INSURER OR OTHER THIRD PARTY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

IN NO EVENT SHALL FLOAT'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE EXCEED THE AMOUNT YOU HAVE PAID TO FLOAT IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR ONE HUNDRED DOLLARS ($100.00), WHICHEVER IS GREATER.

8. Indemnification

You agree to defend, indemnify, and hold harmless Float Insure Technologies Inc. and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any rights of another party.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. FLOAT DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Wilmington, Delaware. You agree that any arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative action.

11. Modifications

FLOAT reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Service and updating the "Last Updated" date. Your continued use of the Service after such changes constitutes your acceptance of the revised Terms.

12. Contact

For questions regarding these Terms of Service, please contact us at legal@floatinsure.com.