Terms of Service

These Terms of Service (the “Terms”) are an agreement between you and Curator (“we,” “us,” or “Curator”) and govern your use of the Curator web application, email-forwarding addresses, and any other Curator service that links to these Terms (together, the “Service”). By creating an account or using any part of the Service, you agree to these Terms.

If you’re using the Service on behalf of a household, family office, or other entity, you represent that you have the authority to bind that entity, and “you” in these Terms means both you and that entity.

Curator is a private register for tax documents. The Service receives documents you forward or upload, organizes them by tax year and account, and lets you generate time-limited links to share them with third parties such as your accountant. To file a document, the Service reads routing fields (tax year, recipient, issuer, form type) with an AI pipeline. The Pro plan adds an investment ledger, real-estate properties, and dashboard analytics.

Curator is not a tax-preparation, tax-advisory, legal, accounting, or investment-advisory service. Nothing in the Service constitutes professional advice of any kind, and you should not rely on it as such. You remain responsible for your tax filings and for the accuracy of any document you choose to share through the Service.

You must be at least 18 years old to use Curator. The Service is not directed at children, and we do not knowingly collect personal information from anyone under 13.

Accounts are personal. You are responsible for keeping your sign-in email, your authenticator device, and any device that holds an active Curator session physically and digitally secure. Two-factor authentication is offered on every account and strongly recommended; enabling it is at your discretion.

You may invite additional members to an investing entity or household within the Service. Each invited member is bound by these Terms upon accepting the invitation.

The Service is offered on a free plan that includes the forward-file-share workflow described above, and a Pro plan that adds an investment ledger, real-estate properties, and dashboard analytics. The free plan is provided at no charge for personal, non-commercial use. Pro is self-serve and billed through Stripe at the prices shown in the Service. We will give you advance notice of any material price or plan change before billing you under the new terms.

We reserve the right to change, add, suspend, or discontinue parts of the Service. If we materially reduce free-plan functionality, we will give you reasonable notice and a way to export your documents first.

Anything you forward, upload, or otherwise place into Curator (PDFs, metadata, and account-organization choices) is “Your Content.” Your Content is yours. You retain all rights you have in it, and these Terms do not transfer ownership to us.

You grant Curator a limited, worldwide, non-exclusive, royalty-free license to host, store, transmit, display, copy, and process Your Content solely as needed to operate the Service for you. For example, to file a forwarded PDF in your register, generate a share link you’ve requested, or read routing fields so the document can be organized. This license ends when Your Content is deleted from the Service or when your account is closed, whichever happens first.

We do not use Your Content to train any AI model, ours or anyone else’s, and our AI subprocessors operate under zero-data-retention terms.

When using the Service, you agree that you will not, and will not allow anyone else to:

• Upload or forward content you do not have the right to store and share.
• Use the Service to store malicious software, illegal material, or content unrelated to your tax life (Curator is a tax-document register, not a general file host).
• Attempt to access another user’s account, register, share link, or any data you are not authorized to access.
• Probe, scan, reverse-engineer, or interfere with the Service outside the bounds of a coordinated security disclosure.
• Resell or sublicense the Service, or use it on behalf of a third party who has not agreed to these Terms.
• Use the Service to automate behavior in a way that materially degrades performance for other users.

We may investigate suspected violations and may suspend or terminate access in response. Where the violation is serious or ongoing, we may do so without prior notice; otherwise we will notify you and give you a chance to respond.

The Service lets you generate links to share documents with people outside Curator, typically your accountant. When you create such a link, you are responsible for choosing an appropriate expiration, communicating the link (and any one-time code) over a channel you trust, and revoking the link when it is no longer needed.

Curator authenticates the link itself, not the human on the other end. Anyone who possesses the link (and the one-time code, if you set one) can download what it points to until you revoke it or it expires.

To run the Service, Curator relies on a small number of trusted providers. As of the effective date above, we use:

• Vercel for application hosting and edge infrastructure.
• Supabase for our managed Postgres database, file storage, and authentication.
• Resend for email delivery and for processing the inbound email you forward in.
• Cloudflare for DNS and edge networking on curatorrecord.com.
• The Vercel AI Gateway with Anthropic Claude, used to read routing fields from tax-document PDFs so they can be filed, under zero-data-retention terms.

Subprocessors may change over time. The current list is maintained in our Privacy Policy; material additions will be reflected there.

You can stop using Curator at any time. Settings → Delete account removes your login and your membership in every investing entity. Documents, investments, and share links belong to the entity, not to your user row; they stay for any remaining members. To also delete an entity’s documents when you are its only member, or to request erasure in writing, email privacy@curatorrecord.com from the address on your account. We confirm when the request is done.

Before deletion, you can export every document in original PDF form, organized by tax year, from your register.

We may suspend or terminate your access to the Service if you materially breach these Terms, if doing so is required by law, or if continued provision would expose Curator or other users to undue risk. Where lawful, we will give you notice and a chance to remedy first.

The Service is provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Curator does not warrant that the Service will be uninterrupted, error-free, or perfectly secure, or that any document stored in the Service will be free from corruption or loss.

You are responsible for keeping your own backup of any document that is critical to your tax filings. Curator’s export feature is available to facilitate that.

To the maximum extent permitted by law, Curator’s total cumulative liability arising out of or relating to these Terms or the Service will not exceed the greater of (a) the amount you paid Curator in the twelve months immediately preceding the event giving rise to liability or (b) one hundred U.S. dollars.

Curator will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, tax-filing penalties, or substitute services, even if advised of the possibility of such damages. Some jurisdictions do not allow these limits; in those jurisdictions our liability is limited to the smallest extent permitted by law.

You agree to defend and indemnify Curator and its personnel against any third-party claim arising out of (a) Your Content, (b) your use of the Service in violation of these Terms or applicable law, or (c) your sharing of Your Content with a third party through the Service.

We may update these Terms from time to time. If we make a material change, we will update the effective date above and give you reasonable advance notice, either by email to the address on your account, by a banner inside the Service, or both. Continued use of the Service after the effective date of a change constitutes your acceptance of the updated Terms. If you do not agree, your remedy is to stop using the Service and request deletion of your account.

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. The state and federal courts located in San Francisco County, California have exclusive jurisdiction over any dispute that is not resolved informally, except that either party may seek injunctive relief in any court of competent jurisdiction to protect its intellectual-property rights.

Questions about these Terms: hello@curatorrecord.com. Privacy or deletion requests: privacy@curatorrecord.com.