Terms of Service

1. Acceptance of these Terms

These draft Terms of Service ("Terms") describe the proposed terms for UR FINDS™ at UFindWeBuy.com (the "Service"), operated by H E SECURES LLC, doing business as UR FINDS™ ("UR FINDS™", "we", "us"). They must be read together with the Privacy Policy, Marketplace & Prohibited Items Policy, and Refunds & Disputes Policy. They are not yet in effect; account creation or use does not require acceptance of this draft.

2. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract to use the Service. No parental-consent path is offered to minors. You must provide accurate account information, including a valid email address, and keep it up to date. One person may not maintain accounts to evade restrictions.

3. Account security

You are responsible for keeping your password confidential and for activity under your account. Tell us promptly at the contact address below if you believe your account has been accessed without permission.

4. Our role as a marketplace

UR FINDS™ is an online marketplace and resale-assistance platform. We provide tools that help users identify, value, list, match and transact items. We facilitate transactions between users; we are not the buyer or seller of items listed by users, and we do not generally own, possess, inspect or take title to those items.

5. Independent buyers and sellers

Buyers and sellers are independent users, not employees, agents or partners of UR FINDS™. Any sale is a contract between the buyer and the seller. We do not guarantee that any user will buy, sell, pay, or complete a transaction, or that any item will sell at any price.

6. Seller responsibility for items

Sellers are solely responsible for the items they list, including that they own or are legally authorized to sell them, that the item may lawfully be sold, and for the item's condition, authenticity, safety and delivery or handover to the buyer.

7. Accuracy of listings

Sellers must review and confirm every listing before offering it. Listings, photos and descriptions must accurately represent the actual item. Generated listing text is a starting draft that the seller is responsible for correcting.

8. AI-assisted identification

The Service uses artificial intelligence to suggest what an item may be based on your photos. AI identification can be incomplete or wrong. UR FINDS™ does not authenticate, certify or guarantee any item's identity, maker, age, materials or authenticity. Where authentication matters, obtain an independent expert opinion.

9. Valuation estimates

Values shown in the Service are estimates only. They are not certified appraisals, offers to buy, or guarantees of sale price. When genuine market evidence is not available, values are labeled AI ESTIMATE ONLY. Do not rely on estimates for insurance, tax, lending or legal purposes.

10. Want Lists and buyer matching

Buyers may create Want Lists describing items they are looking for. The Service may suggest matches between Want Lists and sellers' items. A match is only a suggestion; it is not an offer, commitment or guarantee that a buyer will purchase. Buyer identity remains protected before a sale is agreed. Matching does not guarantee a buyer or sale.

11. Offers and counteroffers

Buyers may make offers on items. Sellers may accept, decline or counter an offer. A buyer may accept or decline a counteroffer at the exact countered price. Offer amounts and participants cannot be changed after they are made. Make offers only if you intend to complete the purchase.

12. Accepted transactions

Acceptance of an offer or counteroffer creates a Sale Agreed commitment. It is not proof of payment. For purposes of completing the marketplace purchase, the sale becomes binding upon successful payment confirmed through Stripe, and the transaction is marked Paid. Existing Sale Agreed and Paid statuses remain distinct. Either party may cancel before successful payment; UR FINDS™ may cancel or expire an unpaid Sale Agreed transaction after 24 hours without payment. This is a policy discretion, not a claim of automatic expiration. Cancellation requests are made through ufindwebuy@gmail.com; this policy does not imply that an in-app cancellation control exists. After payment, cancellations and refunds are governed by the Refunds & Disputes Policy.

13. Payments through Stripe

Payments are processed through Stripe. Stripe may collect payment information and its applicable terms and privacy practices apply to its services. UR FINDS™ does not receive or store full card numbers. Checkout uses the accepted offer price and platform fee determined on the server, not buyer-supplied amounts or browser settings. Payments currently remain in TEST MODE; no real money is charged.

14. Seller payouts through Stripe

Sellers must complete Stripe's applicable onboarding, through which Stripe collects identity, tax, bank and payout information directly. UR FINDS™ does not store seller bank credentials. Payment and payout eligibility depend on Stripe verification and requirements. Seller payouts follow Stripe's applicable payout schedule and account eligibility. UR FINDS™ does not guarantee a specific payout date when timing is controlled by Stripe, financial institutions, verification requirements, disputes, holds or applicable law.

15. Platform service fees

The production platform service fee is 10% of the applicable completed transaction amount, charged to sellers and deducted from the sale amount before seller proceeds. The fee is shown with each sale. This is the approved business-policy rate, not activation of live payments. The existing server-authoritative fee is 10% in TEST MODE and cannot be changed by the browser. Fee refunds depend on the reason for the refund, as described in the Refunds & Disputes Policy. Professional legal review required: platform-fee treatment.

16. Refunds and disputes

Refunds, cancellations, and payment disputes are governed by our Refunds & Disputes Policy.

17. Prohibited conduct

You may not misrepresent yourself or an item; harass, threaten or defraud users; manipulate offers, matches or prices; access other users' accounts, photos or data without authorization; interfere with or reverse-engineer the Service; scrape or overload it with automated tools; or use it unlawfully.

Outside payments are not allowed for transactions initiated through UR FINDS™. Buyers and sellers may not use the Service to find or match with one another and then move that transaction outside the platform to avoid platform fees, marketplace rules, payment controls or transaction records. This restriction does not cover unrelated transactions between people who did not meet through the platform.

18. Prohibited and restricted items

You may not list items that are prohibited by our Marketplace & Prohibited Items Policy or by law.

19. Intellectual property

The Service, including the UR FINDS™ name, logo, mascot, software and design, is owned by UR FINDS™ or its licensors. You may not use them without permission. Do not upload content or list items that infringe others' trademarks, copyrights or other rights.

20. Your photos and content

You keep ownership of the photos and content you upload. You grant UR FINDS™ a non-exclusive, worldwide, royalty-free license to store, process (including by AI service providers), display and use that content as needed to operate and improve the Service, including showing item photos to matched buyers. You confirm you have the right to upload it.

21. Suspension and termination

We may remove listings, restrict features, or suspend or close accounts that violate these Terms or our policies, create risk or legal exposure, or are required to be restricted by law or our payment processor. You may stop using the Service at any time and may request account deletion.

22. Fraud and abuse

We may investigate suspected fraud, report it to authorities or Stripe, cancel related transactions where technically possible, and cooperate with lawful requests.

23. Service availability

The Service may change, be interrupted, or be unavailable, including AI features that depend on third-party providers. We may modify or discontinue features at any time.

24. Disclaimers and limitation of liability

To the extent permitted by law, the Service is provided "as is" and "as available" without warranties. UR FINDS™ does not guarantee item authenticity, condition, legality, value, a buyer or a completed sale. To the extent legally permitted, UR FINDS™ is not liable for users' acts or omissions or indirect, incidental or consequential damages.

To the extent permitted by applicable law, UR FINDS™'s total liability to a user is limited to the greater of (A) platform fees actually paid by that user to UR FINDS™ during the 12 months preceding the claim or (B) $100. Nothing in these Terms excludes or limits liability or rights where applicable law does not permit that exclusion or limitation.

Professional legal review required before final owner approval: warranty disclaimers, liability limitation and applicable nonwaivable exceptions.

25. Changes to these Terms

We may update these Terms. We will post the updated version with a new effective date and, for material changes, provide reasonable notice. Continued use after changes take effect means you accept them.

26. Governing law

These Terms are governed by Texas law, subject to applicable mandatory law and without regard to conflict-of-law rules. Subject to the arbitration provision and any legally required jurisdiction or venue, court proceedings will be in Collin County, Texas. Professional legal review required: Texas governing law and venue.

27. User disputes with UR FINDS™ — individual arbitration

This provision concerns disputes between a user and UR FINDS™, not buyer-versus-seller marketplace complaints under the Refunds & Disputes Policy. Small Claims Court may be used where a claim is eligible. Otherwise, disputes between a user and UR FINDS™ will be resolved through binding individual arbitration, subject to applicable law. A neutral arbitrator will be selected by mutual agreement or, if the parties cannot agree, through the appointment process available under applicable arbitration law. The Federal Arbitration Act governs enforceability to the extent applicable; mandatory procedural protections and remedies remain available.

To the extent legally enforceable, each party agrees to pursue covered claims only in an individual capacity and not as a plaintiff or class member in a class, collective or representative proceeding, and not to consolidate unrelated parties' claims. This waiver does not waive any right or remedy that applicable law makes nonwaivable. If a waiver or restriction cannot lawfully be enforced for a claim or remedy, it will not apply to that extent; a court of competent jurisdiction will resolve any matter that cannot lawfully be arbitrated.

Professional legal review required before final owner approval: arbitration procedure, individual/class-action waiver, enforceability, costs, notice, and Texas law/venue. This draft does not require acceptance or waive anyone's rights now.

28. Contact and effective date

Questions about this policy can be sent to ufindwebuy@gmail.com or by mail to H E SECURES LLC, doing business as UR FINDS™, 11536 Clover Knoll Dr, Frisco, TX 75035.

Effective Date: Pending Final Publication. This draft is not in effect and does not require user acceptance.