Terms & Privacy Policy

Section 1 — Informational Purpose & Limitation of Liability

1.1 Educational and General Guidance Purpose

The Praepara Home application and all content, tools, calculators, letter and document templates, reference data, and materials contained herein are provided strictly for informational, educational, and general organizational purposes to assist users in documenting home inventory, tracking home insurance claims, tracking new-construction builder and third-party structural warranties, and organizing related correspondence and legal matters.

1.2 No Substitution for Official Policy, Warranty Terms, or Legal Advice

This App does not constitute, provide, or replace: official insurance policy terms, a builder’s or third party’s actual written warranty contract, legal advice, financial advice, or formal claims-processing or litigation procedures. Users are solely responsible for verifying any information derived from the App — including deadlines, coverage assumptions, and reference figures — against their actual policy documents, warranty contracts, and current, jurisdiction-specific law before taking action.

1.3 Use At Your Own Risk

1.4 No Security Guarantee

1.5 Limitation of Liability

Some states and jurisdictions do not allow the exclusion or limitation of implied warranties or certain damages. In such jurisdictions, the exclusions and limitations in this Section 1.5 apply only to the maximum extent permitted by law, and the remaining limitations set out in this Section 1.5 continue to apply in full.

If, notwithstanding the foregoing, Modus Creatio L.L.C. is found liable to you for any claim arising out of or relating to these Terms or your use of the App, Modus Creatio L.L.C.’s total aggregate liability to you for all claims, in the aggregate, shall not exceed the greater of (a) the total amount you paid to Modus Creatio L.L.C. for the App in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) fifty U.S. dollars ($50). This cap applies regardless of the legal theory on which liability is based (contract, tort, statute, or otherwise) and even if Modus Creatio L.L.C. has been advised of the possibility of such damages.

1.6 Legal Reference Content Is Not Legal Advice — No Attorney-Client Relationship

The App includes a “Legal” section and related warranty-tracking features that surface general reference information, including approximate statute of limitations and statute of repose ranges, approximate right-to-cure/right-to-repair notice periods, approximate small claims court dollar caps, and a self-assessment questionnaire relating to arbitration clauses (“Reference Content”). Regarding the Reference Content, you specifically acknowledge and agree that:

Section 2 — Eligibility & Acceptable Use

2.1 Age Requirement

You must be at least 18 years of age to use this App. By using the App, you represent and warrant that you meet this requirement.

2.2 Prohibited Conduct

You agree not to: use the App for any fraudulent or illegal purpose; attempt to reverse engineer, decompile, or extract source code from the App; use the App to store or transmit any unlawful, harmful, or defamatory content; or interfere with or disrupt the integrity or performance of the App.

Section 3 — Subscription & Payment Terms

3.1 Free Trial

Praepara Home offers a 7-day free trial for new users on the Single Property tier. You will not be charged during the trial period. If you do not subscribe to a paid tier before the trial ends, the App locks and prompts you to choose a subscription tier to continue.

3.2 Subscription Tiers

After the trial, continued use requires an annual subscription to one of the following tiers, purchased and billed through your Microsoft account via the Microsoft Store:

Pricing is subject to change as described in Section 3.7. Prices shown are in U.S. Dollars and may be adjusted by the Microsoft Store for your local currency and applicable taxes.

3.3 Auto-Renewal

3.4 Payment Failure & Grace Period

If a renewal payment fails, your subscription enters a 3-day grace period during which you retain full access while you resolve the payment issue (for example, by updating your payment method through your Microsoft account). If the issue is not resolved within the grace period, the App locks until a valid subscription is restored. No data is deleted during a grace period or lock — see Section 3.6.

3.5 Downgrades and Property Limits

Each tier limits how many properties you may actively manage at once, as shown in the table in Section 3.2. If you elect to downgrade to a lower-priced tier, the downgrade does not take effect immediately — you will retain your current tier, its property limit, and its price for the remainder of your current paid subscription period, and the downgrade (including the new, lower price) takes effect only at your next renewal date. Downgrading does not entitle you to a refund or credit, prorated or otherwise, for any unused portion of your current subscription period at the higher tier; your sole entitlement is to pay the lower tier’s price starting at the next renewal. Once the downgrade takes effect, if your new tier’s property limit is lower than the number of properties you currently manage, the App will prompt you to choose which properties remain active. Properties beyond your new tier’s limit become locked — their name and address remain visible so you can identify and, if you choose, delete them to free a slot, but their inventory, claims, warranty, and legal data are not accessible until you either upgrade to a tier that covers them or free up a slot. Locked property data is not deleted and is not transmitted anywhere; it remains encrypted on your device.

3.6 Cancellation

You may cancel your subscription at any time through your Microsoft account’s subscription settings. Cancellation takes effect at the end of the current billing period — you retain access to the App until that date. No partial refunds are provided for unused time within a billing period. Your locally stored data is never deleted by Modus Creatio L.L.C. as a result of cancellation, lock, or non-renewal.

3.7 Refunds

All refund requests are handled by Microsoft in accordance with the Microsoft Store’s refund policy, which may vary by region and is outside Modus Creatio L.L.C.’s control.

3.8 Price Changes

Modus Creatio L.L.C. reserves the right to change subscription pricing for any tier. You will be given advance notice of any price increase affecting your active subscription and the opportunity to cancel before the new price takes effect on your next renewal.

3.9 Subscription Value & Discontinuation

Modus Creatio L.L.C. may add features or value to a subscription tier at any time. We will not remove features or value from a subscription tier for customers who purchased that tier before the change, for as long as they remain subscribed to it. If Modus Creatio L.L.C. discontinues a subscription tier, we will continue to provide the digital goods and services you purchased under that tier until your current subscription period expires.

3.10 Renewal Reminder Notices

Where required by applicable state law (for example, for free trials or promotional periods lasting longer than 31 days), Modus Creatio L.L.C. will provide notice before your trial converts to a paid subscription or before an annual subscription renews, including a clear statement of the renewal price, the length of the renewal term, and instructions on how to cancel. Because subscriptions are billed and managed through the Microsoft Store, cancellation instructions will direct you to your Microsoft account’s subscription settings as described in Section 3.6. This notice is provided in addition to, and does not replace, any renewal reminder Microsoft itself may send in connection with Microsoft Store billing.

3.11 Store Delisting; No Independent Refund Obligation

All purchases and subscription payments for the App are processed exclusively by Microsoft through the Microsoft Store, and Section 3.7 governs how refund requests are handled. If Modus Creatio L.L.C. removes the App from the Microsoft Store, stops offering it for new download or purchase, or the App is removed or delisted by Microsoft for any reason (a “Delisting”):

If Modus Creatio L.L.C. permanently discontinues the App (sunsetting) such that no further updates or support will be provided, we will provide reasonable advance notice as described in Section 10, consistent with applicable law.

Section 4 — Data Privacy & Local Storage

Praepara Home is designed with a privacy-first, local-only architecture. All data you enter — including property, room, and inventory records, photos, Vault documents, insurance policy and claim information, builder and third-party warranty records and claims, legal case tracking, and generated letters — is stored exclusively on your device in an AES-256 encrypted local database (via SQLCipher). Modus Creatio L.L.C. does not operate servers that receive, process, or store this data, and does not transmit, sell, or share it. Any cloud backup you choose to enable uses your own cloud storage account and is controlled entirely by you, as described in the Privacy Policy.

Section 5 — Third-Party Data & Open-Source Components

Certain features use publicly available third-party data sources, including: the National Weather Service (NWS), Open-Meteo, RainViewer, and OpenStreetMap/CARTO. Weather features are based on a location you manually enter (such as a property address or ZIP code) — the App does not use your device’s GPS or continuous location tracking. Modus Creatio L.L.C. does not own, endorse, or guarantee the accuracy of any third-party data. Weather alerts are informational only — always follow official emergency guidance from local authorities. All third-party services operate under their respective public APIs and terms of service.

Document and spreadsheet generation (PDF, Word, and Excel exports and letter drafts) is performed entirely on your device using open-source libraries, including PdfSharp, the Open XML SDK (DocumentFormat.OpenXml), and ClosedXML. Local encrypted storage is powered by sqlite-net-pcl and SQLitePCLRaw (SQLCipher edition). No data is transmitted to any external server during document generation, export, or database operations. See the Open Source Notices at the end of the Privacy Policy tab for license details.

Section 6 — Intellectual Property

All original content, design, logos, branding, and software code in the App are the intellectual property of Modus Creatio L.L.C. and protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works without prior written consent from Modus Creatio L.L.C.

Section 7 — Termination

Modus Creatio L.L.C. reserves the right to terminate or suspend your access to the App at any time, with or without cause, and with or without notice. Upon termination, your right to use the App ceases immediately. All data stored locally on your device remains on your device and is not deleted by Modus Creatio L.L.C.

Section 8 — Vault Security, Encryption Key, & Data Loss

Praepara Home does not use fingerprint, face, or any other biometric authentication. Access to your locally stored data is controlled by your signed-in Windows user account: the App trusts an active, authenticated Windows session as its unlock boundary, and your database encryption key is protected using the Windows Data Protection API (DPAPI), scoped to your specific Windows user account on your specific device.

Section 9 — Dispute Resolution

9.1 Binding Arbitration

9.2 Class Action Waiver

9.3 Right to Opt Out of Arbitration

You may opt out of the binding arbitration and class action waiver provisions in Sections 9.1 and 9.2. To opt out, you must send written notice to modus_creatiollc@pm.me within 30 days of the date you first accept these Terms, stating your name and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, neither you nor Modus Creatio L.L.C. will be required to arbitrate, and Section 11’s Governing Law provision will govern any dispute, which may be brought in the appropriate courts consistent with that provision. Opting out of arbitration does not affect any other provision of these Terms, including your continued right to use the App.

9.4 Small Claims Court Exception

Either party may bring an individual action in small claims court for disputes or claims within that court’s jurisdiction, in lieu of arbitration, whether or not you have opted out under Section 9.3.

Section 10 — Modifications to These Terms

Modus Creatio L.L.C. reserves the right to modify these Terms at any time. When material changes are made, the effective date will be updated and notice will be provided within the App where required by law. Continued use of the App after any changes constitutes your acceptance of the new Terms.

Section 11 — General Provisions

Geographic Scope: The App is offered and intended for distribution solely within the United States. Modus Creatio L.L.C. makes no representation that the App is appropriate, legal, or available for use outside the United States. If you access the App from outside the United States, you do so on your own initiative and are solely responsible for compliance with local laws.

Governing Law: These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Modus Creatio L.L.C. is incorporated, without regard to conflict of law principles.

Force Majeure: Modus Creatio L.L.C. shall not be liable for any failure or delay in performance due to causes beyond its reasonable control.

Assignment: You may not assign your rights under these Terms. Modus Creatio L.L.C. may assign its rights without restriction.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement: These Terms constitute the entire agreement between you and Modus Creatio L.L.C. regarding the App and supersede all prior agreements.

No Professional Advice: Nothing in the App constitutes legal, financial, insurance, or professional advice of any kind.

Relationship to Microsoft Store Terms: These Terms govern your relationship with Modus Creatio L.L.C. and your use of the App. Your acquisition of the App and any subscription, and the processing of the associated payment, are separately governed by Microsoft’s own Microsoft Store Terms of Sale and Microsoft Services Agreement, over which Modus Creatio L.L.C. has no control. If there is a conflict between these Terms and Microsoft’s own terms regarding the operation of the Microsoft Store or the processing of a transaction, Microsoft’s terms govern that transaction; these Terms otherwise continue to govern your use of the App itself.

Section 12 — Electronic Consent

By installing, launching, or otherwise using the App, you consent to enter into these Terms electronically. This electronic agreement is valid and enforceable under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001) and constitutes a binding electronic signature.

Section 13 — Contact

If you have questions about these Terms, please contact Modus Creatio L.L.C. at modus_creatiollc@pm.me.

By using the App, you confirm that you have read, understood, and agreed to these Terms, including the binding arbitration and class action waiver in Section 9, and consent to electronic contracting under the E-SIGN Act as described in Section 12.