Terms of Service

Last Updated: April 23, 2026

1. Who May Use the Services

Welcome to the Terms of Service (these "Terms") for the website www.unvault.co (the "Website"), and the related mobile applications (the "App") operated on behalf of Unvault, Inc. ("Company", "we" or "us"). The Website and any content, tools, features and functionality offered on or through our Website and the App are collectively referred to as the "Services". These Terms govern your access to and use of the Services. Please read these Terms carefully, as they include important information about your legal rights. By accessing and/or using the Services, you are agreeing to these Terms. If you do not understand or agree to these Terms, please do not use the Services. For purposes of these Terms, "you" and "your" means you as the user of the Services.

SECTION 9 CONTAINS AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER. BY AGREEING TO THESE TERMS, YOU AGREE (A) TO RESOLVE ALL DISPUTES (WITH LIMITED EXCEPTION) RELATED TO THE COMPANY'S SERVICES AND/OR PRODUCTS THROUGH BINDING INDIVIDUAL ARBITRATION, WHICH MEANS THAT YOU WAIVE ANY RIGHT TO HAVE THOSE DISPUTES DECIDED BY A JUDGE OR JURY, AND (B) TO WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS, AS SET FORTH BELOW. YOU HAVE THE RIGHT TO OPT-OUT OF THE ARBITRATION CLAUSE AND THE CLASS ACTION WAIVER AS EXPLAINED IN SECTION 9.

2. User Accounts

You must be 18 years of age or older and reside in the United States or any of its territories to use the Services.
You may not use the Services for commercial purposes.
By using the Services, you represent and warrant that you meet these requirements.

2. User Accounts

To use certain features of the Services, you need to create an account with us ("Account"). To create an Account, you need to provide information including email address, personal information, and a self-selected password.
You agree to provide accurate, complete, and updated information for your Account and must immediately update your Account information if it is no longer accurate.
You are solely responsible for any activity on your Account and for maintaining the confidentiality and security of your password. We are not liable for any acts or omissions by you in connection with your Account.
You must immediately notify us at contact@unvault.co if you know or have reason to suspect that your Account or password has been stolen, misappropriated, or otherwise compromised, or in case of any unauthorized use.
You agree not to create any Account if we have previously removed or banned you from any of our Services, unless we provide written consent otherwise.
We may require you to provide additional information and documentation from time to time, including pursuant to compliance policies or applicable law relating to anti-money laundering or counteracting financing of terrorism.
We may suspend or otherwise prevent your access to your Account and/or the Services until you comply with all our requests for information.

3. Selling Your Items

3.1 Applying to Sell. You may offer to sell eligible items such as jewellery ("Items") to us. All information you provide regarding your Offer, including item description, images, and payment method, must be accurate, current, and complete. You may only offer to sell Items you own and represent that you exclusively own all Items, have full rights to transfer and sell them, they are not subject to any lien or claim, and are not counterfeit, inauthentic, or stolen.
3.2 Initial Quote. To make an Offer, you must upload a photo of your Item and provide a description. We may provide an estimated value ("Initial Quote") which is non-binding and based on initial information and current market data. We use various sources including AI technologies. The Initial Quote may not reflect current market value and may be revoked at any time before acceptance.
3.3 Shipping Your Item. By creating a Sell Order, you accept the Initial Quote and we may provide a pre-paid shipping label. You bear all risk of loss during shipment. You are responsible for secure packaging, using the correct shipping provider, and following all packing instructions. It is best practice to bring your package directly to a FedEx location to obtain a receipt. We are not responsible for items damaged, lost, or stolen during shipment, except for insurance coverage obtained for pre-paid label shipments.
3.4 Authentication. Once we receive your Item, we will authenticate and evaluate it — including weighing, photos, testing metal content and purity, assessing gemstones, brand, hallmarks, and condition. Based on this assessment, we will provide a Final Quote. The Final Quote may be higher or lower than your Initial Quote. We endeavor to provide a Final Quote within 1–3 business days of receiving your Item.
3.5 Acceptance of Final Quote. After receiving your Final Quote, you have five business days to accept or reject it. If you do not affirmatively reject the Final Quote and it is greater than or equal to 75% of the Initial Quote amount, you will be deemed to have accepted it. If you reject the Final Quote, we will return your goods. Once a Final Quote is accepted, such acceptance is final and irrevocable.
3.6 Payment. If a Final Quote is accepted, payment will be made via ACH or PayPal. We may charge a service or transaction fee deducted from payment. Payments are endeavored within 1–3 business days after acceptance. Payments may be delayed, withheld, or reversed if we suspect fraud, misrepresentation, or illegal activity. You are responsible for all taxes, duties, or fees relating to payments received.

3.7 Returning Goods & Other Shipping Issues

3.7 Returning Goods. When returning items (e.g., if you reject a Final Quote), we will ship them back using a third-party shipping provider. For rejected Final Quotes, we will cover return shipping and obtain insurance for the Final Quote value. For any other returned items, you are responsible for return shipping fees and insurance.
3.8 Other Shipping Issues. If there is a discrepancy between the Items and the package received, you and the Company will work in good faith to resolve the issue. Our intake records shall be presumptive evidence of package contents. If you believe our records are incorrect, you must notify us within 10 business days and provide documentation within 30 days of our request.
Do not include any additional goods or items in your shipment other than the Items subject to the Initial Quote unless specifically requested by us in writing. We are not liable for any loss or damage to such additional goods.

4. Privacy Policy

Our Privacy Policy describes how we handle the information you provide to us when you use the Services. For an explanation of our privacy practices, please visit our Privacy Policy at https://www.unvault.co/privacy-policy.

5. Rights We Grant You

5.1 Right to Use Services. We permit you to use the Services for your personal non-commercial use only, provided that you comply with these Terms. We grant you a personal, non-assignable, non-sublicensable, non-transferrable, and non-exclusive license to access and display content provided as part of the Services, solely to enable permitted use.
5.2 Restrictions. You may not: download, modify, copy, or distribute Services content; decompile or reverse engineer the Services; use bots or automation software; exploit the Services commercially; attempt to gain unauthorized access; introduce malicious code; submit unlawful or harassing content; or access the Services in any way not expressly permitted by these Terms.
5.3 Use of the App. You are responsible for providing the mobile device, wireless service, and Internet connection needed to use the App. You may receive push notifications or texts. You may opt out of push messages through the Services or your mobile device's operating system.
5.4 Apple App Store. These Terms are solely between you and the Company, not Apple. Apple has no responsibility for the App or its content, maintenance, or support. Apple is a third-party beneficiary of these Terms with respect to your use of the App.

6. Ownership and Content

6.1 Ownership of the Services. The Services, including their look and feel, proprietary content, and materials, are protected under copyright, trademark, and other intellectual property laws. The Company and/or its licensors own all right, title, and interest in and to the Services.
6.2 Ownership of Trademarks. The Company's name, trademarks, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors.
6.3 Ownership of Feedback. All Feedback you provide becomes the sole and exclusive property of the Company. The Company may use and disclose Feedback in any manner without further notice or compensation to you.
6.4 Your Content License Grant. By using the Service and uploading Your Content, you grant us a royalty-free, transferable, sub-licensable, worldwide, and irrevocable license to access, use, host, cache, store, reproduce, transmit, display, publish, distribute, and modify Your Content solely as required to operate and provide the Services.

7. Third Party Services and Materials

8. Disclaimers, Limitations of Liability and Indemnification

8.1 Disclaimers. Your access to and use of the Services are at your own risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis. The Company Entities DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. The Company Entities make no warranty for: the completeness, accuracy, or reliability of the Services; any harm to your computer system; operation or compatibility with any application; availability on an uninterrupted basis; or deletion of Your Content. THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING NEW JERSEY, DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES — IF THESE LAWS APPLY TO YOU, SOME DISCLAIMERS MAY NOT APPLY.

8.2 Limitations of Liability. TO THE EXTENT NOT PROHIBITED BY LAW, THE COMPANY ENTITIES WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SERVICES. THE COMPANY ENTITIES' TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF $100.00 OR THE AMOUNT YOU PAID IN THE PAST SIX (6) MONTHS FOR THE SERVICES GIVING RISE TO THE CLAIM.
8.3 Indemnification. You agree to defend, indemnify, and hold the Company Entities harmless from and against any claims, costs, damages, losses, liabilities, and expenses arising out of or in connection with: your Items, violation of these Terms or applicable law, violation of third-party rights, misuse of the Services, Your Content, or your negligence or wilful misconduct.
THE COMPANY ENTITIES TAKE NO RESPONSIBILITY FOR ANY CONTENT THAT YOU, ANOTHER USER, OR A THIRD PARTY CREATES, UPLOADS, POSTS, SENDS, RECEIVES, OR STORES ON OR THROUGH OUR SERVICES. YOU MAY BE EXPOSED TO CONTENT THAT IS OFFENSIVE, ILLEGAL, MISLEADING, OR OTHERWISE INAPPROPRIATE, FOR WHICH THE COMPANY ENTITIES WILL NOT BE RESPONSIBLE.
Nothing in the Services constitutes investment, financial, legal, or other professional advice. If you require such advice, please consult an appropriate professional.
You agree that a breach of these Terms will cause irreparable injury to the Company for which monetary damages would not be an adequate remedy, and the Company shall be entitled to equitable relief without a bond, other security, or proof of damages.

9. Arbitration and Class Action Waiver

9.1 PLEASE READ THIS SECTION CAREFULLY. It may significantly affect your legal rights, including your right to file a lawsuit in court and to have a jury hear your claims. It contains procedures for mandatory binding arbitration and a class action waiver. 9.2 Informal Process First. In the event of any dispute, either party will first contact the other and make a good faith effort to resolve it within 30 days before resorting to formal means of resolution. 9.3 Arbitration Agreement. Any remaining dispute will be resolved by final and binding arbitration administered by JAMS under its Comprehensive Arbitration Rules, using the English language. Any arbitration will take place on an individual basis — class arbitrations and class actions are not permitted. 9.4 Exceptions. The following disputes will be resolved in a court of proper jurisdiction: (a) small claims court disputes; (b) disputes where the sole relief sought is injunctive relief; or (c) intellectual property disputes. 9.5 Costs of Arbitration. Payment of all filing, administration, and arbitrator costs will be governed by the JAMS Rules, except where such costs would be prohibitively expensive, in which case the Company will pay the necessary amount. 9.6 Opt-Out. You have the right to opt out of arbitration by sending written notice to contact@unvault.co within thirty (30) days of first registering for the Services. 9.7 CLASS ACTION WAIVER. Any proceeding to resolve disputes will be brought only in your individual capacity and not as part of any class, consolidated, or representative action. You and the Company each waive the right to participate as a plaintiff or class member in any class action.

10. Additional Provisions

10.1 SMS Messaging. The Company may contact you via telephone or text messages at phone numbers provided by you. You may opt out at any time by texting "STOP" or contacting contact@unvault.co. 10.2 Updating These Terms. We may modify these Terms from time to time and will update the "Last Revised" date. Material changes will be communicated by email or prominent website notice. Your continued use of the Services after modifications constitutes acceptance. 10.3 Termination. If you breach any provisions of these Terms, all licenses granted by the Company will terminate automatically. The Company may suspend, disable, or delete your Account with or without notice, for any or no reason. 10.4 California Residents. You may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. 10.5 Export Laws. You agree not to export or re-export the Services to any country requiring U.S. export license without obtaining such approval, including to U.S. embargoed countries or persons listed on U.S. Government prohibited parties lists. 10.6 Miscellaneous. These Terms constitute the entire agreement between the parties. If any provision is unlawful or unenforceable, it shall be deemed severable and shall not affect the remaining provisions. These Terms are governed by the laws of the State of California, and any disputes not subject to arbitration will be resolved in state and federal courts located in Santa Clara County, California. 10.7 Contact Us. You may contact us at: 1825 S Grant St, Suite 200, San Mateo, CA 94402, or by email at contact@unvault.co.

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The Karat Club — Unvault Referral Program · Effective April 2026

1. Program Overview

The Karat Club (“Program”) is Unvault’s referral program, allowing existing customers (“Referrers”) to invite others (“Referred Friends”) to the Unvault platform. Participation is subject to these Terms & Conditions and Unvault’s general Terms of Service. The Program terms are as displayed on the Unvault website at any given time. Unvault reserves the right to modify, suspend, or terminate the Program at any time without prior notice, and the version of the terms published on the website at the time of any transaction or reward determination shall govern.

2. Eligibility

Referrers must have an active, verified Unvault account in good standing.
Referred Friends must not currently hold an active Unvault account at the time the referral code is applied. Users who created an account prior to the Program launch may apply a referral code to their existing account via the referral tab or at checkout, subject to the conditions in Section 4.
Employees, contractors, and immediate family members of Unvault are not eligible to participate.
Self-referral is prohibited and will result in disqualification.

3. Referrer Reward — $50 Amazon Gift Card

A $50 Amazon gift card will be issued to the Referrer in the first week of the calendar month following the Referred Friend’s first qualifying transaction.
A “qualifying transaction” is defined as a completed jewelry sale where the Referred Friend has accepted Unvault’s final offer, the transaction has been fully processed, and the total transaction value meets or exceeds $500.
Transactions with a total value below $500 do not qualify. The $500 threshold applies to the gross transaction value before any fees or discounts. If a Referred Friend’s first transaction does not meet the $500 threshold, a subsequent transaction may qualify provided the referral code remains validly associated with their account.
Getting a valuation, initiating a sale, or declining a final offer does not constitute a qualifying transaction.
Only one qualifying transaction per Referred Friend will generate a reward for the Referrer. Subsequent transactions by the same Referred Friend do not generate additional rewards.
Payout dates follow a monthly schedule. Referrals that qualify in a given calendar month are paid out during the first week of the following month.
There is no maximum on the number of referrals a Referrer may make. Each qualifying referral earns one $50 gift card.
Gift cards are sent to the email address associated with the Referrer’s Unvault account. Unvault is not responsible for gift cards delivered to an incorrect or outdated email address.
Gift cards have no cash value and cannot be exchanged, transferred, or combined with other offers.

4. Referred Friend Discount — 25% Off First Transaction Fee

Referred Friends receive a 25% discount on their first Unvault transaction fee when a valid referral code is associated with their account. A referral code may be applied in the following ways: (a) automatically linked to the Referred Friend’s account when they sign up via a shared referral link, with no further action required on their part; (b) manually entered in the Referred Friend’s referral tab within their Unvault account; or (c) entered manually in the address form at checkout.
A referral code may only be applied once per Referred Friend. Re-use of a code on a subsequent order is not permitted.
The discount cannot be applied retroactively to a completed transaction under any circumstances.
The discount cannot be combined with any other promotional discount or offer.
The discount applies to the transaction fee only and does not affect the final sale offer amount.
The discount is valid for the Referred Friend’s first qualifying transaction only and expires 12 months after account creation if unused.

5. Karat Tier System

Karat tiers (10K, 14K, and 18K) are based on cumulative qualifying referrals. Tiers are achieved at 1, 5, and 10 qualifying referrals respectively.
Tier benefits are additive — each tier includes all benefits from previous tiers.
A Referrer’s karat level will not decrease once achieved.
Unvault reserves the right to modify tier thresholds or benefits at any time. Updated tiers will be reflected on the Unvault website, which shall be the governing version of the Program terms.

6. Milestone Rewards

14K Gold — Gold Earrings (up to $500 value)

Upon reaching Tier 2 (5 qualifying referrals), a Referrer becomes eligible to receive a pair of Gold Earrings with a value of up to $500, as a one-time milestone reward. The specific piece is selected at Unvault’s discretion. Unvault will contact the Referrer via their registered email to arrange delivery within 14 business days of the milestone being reached.

18K Gold Elite — Diamond Necklace (up to $1,500 value)

Upon reaching Tier 3 (10 qualifying referrals), a Referrer becomes eligible to receive a Diamond Necklace with a value of up to $1,500, as a one-time milestone reward. The specific piece is selected at Unvault’s discretion. Unvault will contact the Referrer via their registered email to arrange delivery within 14 business days of the milestone being reached.

Milestone rewards have no fixed monetary value, cannot be exchanged for cash or alternative items, and are available for delivery within the United States only. International delivery may be arranged at Unvault’s discretion.

7. Fraud & Abuse

Unvault reserves the right to withhold, reverse, or void any reward where it reasonably suspects fraudulent activity, manipulation of the Program, use of automated tools, or violation of these Terms. Accounts found to be in breach may be suspended or permanently banned from participation.

8. Program Terms — Website Governs

The Karat Club program, including all reward values, eligibility criteria, tier structures, discount offers, and any other terms, is offered on an “as-is” basis as displayed on the Unvault website (unvault.co/thekaratclub) at any given time. Unvault may update these terms at any time. The version of the Program terms published on the website at the time of any relevant transaction or reward determination shall be the governing version. Continued participation in the Program constitutes acceptance of the then-current terms. For material changes, Unvault will endeavour to notify existing Referrers via their registered email with reasonable notice where practicable.

9. Limitation of Liability

Unvault’s total liability in connection with the Program shall not exceed the value of the reward(s) at issue. Unvault is not liable for any indirect, incidental, or consequential damages arising from participation in the Program or inability to use a reward.

10. Contact

For questions about the Program or to report an issue with a reward, contact us at contact@unvault.co. We aim to respond within 2-4 business days.