These Terms & Conditions ("Terms") govern your use of the Cloud Klepto app ("the Service") operated by Cloud Klepto ("we," "us," or "our"). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 13 years old (or the minimum age of digital consent in your jurisdiction) and legally able to enter into contracts. By using the Service you represent that you meet these requirements.

2. Your Account

• You are responsible for keeping your account credentials secure and for all activity under your account.
• You agree to provide accurate information and to keep it current.
• You may delete your account at any time from the Profile screen or by contacting ucp@syncloudconnect.com.

3. The Service

Cloud Klepto is a record-keeping and accountability tool for peer-to-peer item lending. It helps you and the other party document loans, due dates, return condition, and payments, and maintain a shared trade ledger. Cloud Klepto is not a party to any loan agreement between you and another user, does not take possession of any item, and does not process, hold, or transfer payments between users.

4. Your Responsibilities

• Use the Service only for lawful lending arrangements with people you trust.
• Provide truthful item details, dates, and condition reports.
• Return borrowed items on time and in the agreed condition.
• Settle any late fees, lease payments, or other amounts directly with the other party; Cloud Klepto only records what you enter.
• Obtain consent before sharing another person's contact or location information.

5. Prohibited Conduct

You agree not to:

• Use the Service to lend or borrow illegal, stolen, hazardous, or restricted items.
• Misrepresent items, payments, or your identity.
• Harass, threaten, or spam other users, including through push notifications.
• Attempt to access records you are not a party to, or circumvent security controls.
• Use the Service for any commercial lending, debt collection, or regulated financial activity.

6. Fees & Payments

Cloud Klepto does not charge users to track loans. Any late fees, lease payments, or settlements are agreed upon and settled directly between you and the other party outside the Service. Amounts you record are for your own tracking and accountability and do not create an obligation owed to Cloud Klepto.

7. Trackers & Location

If you choose to attach a third-party tracker (such as an AirTag or Tile) to an item, you are responsible for complying with that provider's terms and any applicable laws. Sharing URLs and manual location notes are provided by you and shared only with the other party to the loan.

8. Intellectual Property

The Service, including its design, name, and software, is owned by Cloud Klepto and protected by intellectual property laws. You retain ownership of the item information, photos, and notes you submit and grant us a license to use them solely to operate the Service for you and the other party.

9. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind. We do not guarantee the accuracy of user-submitted information, the return of any item, or the outcome of any lending arrangement. Cloud Klepto is not responsible for the conduct of users or for disputes between users.

10. Limitation of Liability

To the maximum extent permitted by law, Cloud Klepto shall not be liable for any indirect, incidental, special, or consequential damages, or for any loss of or damage to loaned items, arising from your use of the Service or from any lending arrangement between users. Our total aggregate liability is limited to the amounts you have paid us, if any.

11. Indemnification

You agree to indemnify and hold Cloud Klepto harmless from claims, damages, and expenses arising from your use of the Service, your violation of these Terms, or your lending arrangements with other users.

12. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you violate these Terms or if we believe your activity creates risk or legal exposure.

13. Disputes & Governing Law

These Terms are governed by the laws of the jurisdiction in which Cloud Klepto operates, without regard to conflict-of-law principles. We will seek to resolve disputes informally first. Any formal disputes will be resolved in the competent courts of that jurisdiction.

14. Changes to These Terms

We may revise these Terms from time to time. We will update the "Last updated" date and notify you of material changes within the app. Continued use after changes take effect constitutes acceptance of the revised Terms.

15. Contact

Questions about these Terms can be sent to ucp@syncloudconnect.com.