Terms of Service

Section 1 Acceptance of Terms

By accessing or using Book of Houses (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Service.

These Terms constitute a legally binding agreement between you and Book of Houses ("we," "us," or "our"). Your continued use of the Service following the posting of any changes to these Terms constitutes acceptance of those changes.

Section 2 Description of Service

Book of Houses is a values-based community platform where users join Houses, complete activities, earn in-app currency (Coiny/Lumina), and connect with like-minded people. The Service includes, but is not limited to:

• Account creation and management
• Community features including Houses, posts, direct messaging, and social interactions
• In-app virtual currency (Coiny/Lumina) and associated economy features
• Quests, activities, and gamification elements
• Goal-setting and probability tracking tools
• Optional SMS notifications and verification

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

Section 3 Account Registration

To access certain features of the Service, you must register for an account. When registering, you agree to:

• Provide accurate, current, and complete information during the registration process
• Maintain and promptly update your account information to keep it accurate, current, and complete
• Provide a valid phone number for account verification purposes
• Maintain the security and confidentiality of your login credentials
• Accept all responsibility for any activity that occurs under your account
• Notify us immediately of any unauthorized use of your account or any other breach of security

You must be at least 13 years of age to use the Service. By registering, you represent and warrant that you meet this age requirement. We reserve the right to refuse service, terminate accounts, or remove or edit content at our sole discretion.

Section 4 SMS Messaging

By providing your phone number and opting into SMS communications, you consent to receive text messages from Book of Houses. These messages may include:

• Account verification codes required for registration and login
• Optional reminders and notifications about Service activity
• Important account and security alerts

Message frequency varies. Message and data rates may apply. Your carrier's standard messaging rates apply to all SMS messages.

To opt out: Reply STOP to any message to unsubscribe from optional SMS notifications. Note that opting out may affect your ability to use certain features of the Service that require phone verification.

For help: Reply HELP to any message, or contact us at steven@stevenochs.com.

We will not share your phone number with third parties for their marketing purposes. SMS communications are subject to our Privacy Policy.

Section 5 User Conduct

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation
• Attempt to gain unauthorized access to any portion of the Service, other accounts, computer systems, or networks connected to the Service
• Interfere with, disrupt, or create an undue burden on the Service or the networks and services connected to the Service
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity
• Harass, threaten, intimidate, stalk, or bully other users of the Service
• Post or transmit spam, unsolicited messages, chain letters, or pyramid schemes
• Use any automated means, including bots, scrapers, crawlers, or spiders, to access, collect data from, or interact with the Service without our express written permission
• Upload or transmit viruses, malware, or any other malicious code
• Attempt to reverse engineer, decompile, or disassemble any portion of the Service
• Use the Service to collect or store personal data about other users without their express consent
• Circumvent, disable, or otherwise interfere with any security-related features of the Service

Violation of these conduct rules may result in immediate termination of your account and access to the Service, without prior notice or liability.

Section 6 User Content

You retain ownership of all content that you create, upload, post, or otherwise make available through the Service ("User Content"). By posting User Content, you grant Book of Houses a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, display, distribute, and create derivative works of your User Content solely in connection with operating and providing the Service.

You are solely responsible for the User Content you post. You represent and warrant that:

• You own or have the necessary rights and permissions to post the User Content
• Your User Content does not infringe, violate, or misappropriate any third party's intellectual property rights, privacy rights, or any other rights
• Your User Content does not contain any material that is defamatory, obscene, abusive, or otherwise objectionable

We do not endorse any User Content or any opinion, recommendation, or advice expressed therein. We reserve the right, but have no obligation, to monitor, edit, or remove User Content at our sole discretion for any reason, including content that we determine violates these Terms.

Section 7 In-App Currency (Coiny/Lumina)

The Service includes a virtual currency system known as "Coiny" or "Lumina" (collectively, "Virtual Currency"). By using Virtual Currency, you acknowledge and agree to the following:

• No Real-World Value: Virtual Currency has no real-world monetary value and does not constitute real currency, property, or any form of financial instrument. Virtual Currency cannot be exchanged for real money, real goods, or real services from us or any third party.
• Non-Refundable: All purchases of Virtual Currency are final and non-refundable, except as required by applicable law.
• No Transfer: Virtual Currency is non-transferable except as expressly permitted within the Service (e.g., tipping other users). You may not sell, trade, or otherwise transfer Virtual Currency outside of the Service.
• Economy Modifications: We reserve the right to modify, manage, regulate, control, or eliminate Virtual Currency at any time and at our sole discretion. This includes, without limitation, changing earning rates, balances, decay mechanisms, pricing, and any other aspect of the virtual economy. We shall have no liability to you or any third party for the exercise of such rights.
• Account Termination: Upon termination of your account for any reason, any Virtual Currency associated with your account will be forfeited and will not be refunded or compensated.

Section 8 Intellectual Property

The Service and all of its contents, features, and functionality — including but not limited to all information, software, source code, text, displays, images, video, audio, design, graphics, logos, icons, the selection and arrangement thereof, and the overall look and feel of the Service — are owned by Book of Houses, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Service, except as expressly permitted by these Terms.

The "Book of Houses" name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Book of Houses. You must not use such marks without our prior written permission.

Section 9 Disclaimer of Warranties

THE SERVICE, INCLUDING ALL CONTENT, FEATURES, AND FUNCTIONALITY, IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND ABOUT:

• The completeness, accuracy, reliability, suitability, or availability of the Service
• That the Service will be uninterrupted, timely, secure, or error-free
• That the results obtained from the use of the Service will be accurate or reliable
• The quality, accuracy, timeliness, truthfulness, completeness, or reliability of any content obtained through the Service
• That defects in the operation or functionality of the Service will be corrected

Any content downloaded from or otherwise accessed through the Service is accessed at your own risk, and you shall be solely responsible for any damage to your property or person, including but not limited to your computer system and any device you use to access the Service, or any other loss that results from accessing such content.

No advice or information, whether oral or written, obtained by you from us or through the Service shall create any warranty not expressly stated in these Terms.

Section 10 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BOOK OF HOUSES, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your access to, use of, or inability to access or use the Service
• Damages resulting from any conduct or content of any third party on the Service
• Damages resulting from unauthorized access, use, or alteration of your transmissions or content
• Damages resulting from any errors, mistakes, or inaccuracies of content
• Personal injury or property damage resulting from your access to or use of the Service

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE ACTUALLY PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

THE LIMITATIONS OF THIS SECTION SHALL APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Section 11 Indemnification

You agree to defend, indemnify, and hold harmless Book of Houses, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Service, including but not limited to your User Content and any activities conducted through your account
• Your violation of any third party's rights, including but not limited to intellectual property rights, privacy rights, or proprietary rights
• Any claim that your User Content caused damage to a third party
• Your violation of any applicable law, rule, or regulation

This indemnification obligation will survive the termination of these Terms and your use of the Service.

Section 12 Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If we make material changes to these Terms, we will provide notice through the Service or by other means, such as email, to provide you with the opportunity to review the changes before they become effective.

The "Effective Date" at the top of these Terms indicates when the most recent changes were made. Your continued use of the Service after any such changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

We encourage you to review these Terms periodically to stay informed of updates.

Section 13 Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

You may delete your account at any time by contacting us or using account management features within the Service. Upon termination of your account:

• Your right to access and use the Service will immediately cease
• Any Virtual Currency (Coiny/Lumina) associated with your account will be forfeited
• We may, but are not obligated to, delete your User Content
• We may retain certain information as required by law or for legitimate business purposes

All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Section 14 Governing Law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Oregon, United States of America, without regard to its conflict of law provisions.

Any legal suit, action, or proceeding arising out of or related to these Terms or the Service shall be instituted exclusively in the courts of the State of Oregon, and you consent to the exclusive jurisdiction and venue of such courts.

Section 15 Contact

If you have any questions about these Terms of Service, please contact us:

• Email: steven@stevenochs.com
• Website: bookofhouses.com