SmartAndPoint — Legal

Terms of Service & Privacy Policy for SmartAndPoint Inc. and its products (including SaveToMemory).

Terms of Service

Last updated: October 2025

These Terms of Service ("Terms") govern your access to and use of the products, services, websites and applications operated by SmartAndPoint Inc. ("SmartAndPoint", "we", "us", or "our"), including but not limited to the product SaveToMemory and the domains and services listed on this page. By using or accessing our Services, you agree to be bound by these Terms.

1. Ownership

SmartAndPoint Inc., a Delaware C‑Corporation, is the sole and exclusive owner of the SaveToMemory product and all associated intellectual property and domains listed on this page. All rights not expressly granted to you are reserved by SmartAndPoint Inc.

2. Acceptable Use

You may use our Services only for lawful purposes and in compliance with these Terms. You agree not to use the Services to upload, post, transmit or otherwise make available any content that is illegal, infringes others’ rights, or violates applicable laws.

3. User Content and Limited Liability

Our Services enable users to store, process, transform and summarize content they submit to SaveToMemory and related products. You retain ownership of content you upload, subject to any license you grant to SmartAndPoint to operate the Service.

Important disclaimer: SmartAndPoint does not create user content — users do. We operate transformation and summarization services that process user-submitted content. SmartAndPoint is not responsible for the accuracy, completeness, lawfulness or safety of user-submitted content or of content produced by automated processing of user content (including summaries, extractions, or other transformed outputs).

For example, if a user uploads a document that promotes hate, violent wrongdoing, instructions for creating illegal weapons, illicit drugs, or other unlawful conduct, and our service generates a summary or transformed output from that document, SmartAndPoint does not adopt, endorse, or assume legal responsibility for that user-submitted content or for the output generated solely from user content. Users are solely responsible for the content they upload and for any legal consequences that may result from its creation, possession, distribution, or publication.

That said, we reserve the right to remove, disable access to, or refuse to host any content that we reasonably believe violates our Terms, applicable law, or third‑party rights, and to cooperate with law enforcement or Court orders as required by law.

4. Payments, Subscriptions and Refunds

Paid features are billed through a third‑party payment processor (Stripe). By subscribing you authorize SmartAndPoint to charge your payment method. Subscription terms, cancellation and refund policies are described at purchase and in your subscription agreement.

Billing and Renewal

Subscriptions automatically renew at the then-current subscription fee unless you cancel prior to the renewal date. You are responsible for keeping your payment method up to date. If a payment cannot be processed, we may suspend or terminate your access to paid features.

Cancellation

You may cancel auto-renewal at any time through your account settings or by contacting support. Cancellation of auto-renewal will prevent future billing but will not entitle you to a refund for the current subscription period unless required by applicable law.

Refunds — No Refund / No Prorated Credits

All sales are final. Except where otherwise required by applicable law, SmartAndPoint does not offer refunds or prorated credits for annual or other prepaid subscriptions once the subscription has been activated and the Service has been made available to you. For example, if you purchase an annual subscription and use the Service for two months, you will not be entitled to a refund for the unused portion of the subscription.

Notwithstanding the foregoing, SmartAndPoint may, in its sole discretion, issue refunds or credits in exceptional circumstances (for example, when required by a payment processor dispute resolution or applicable consumer protection law).

Chargebacks

If you dispute a charge with your payment provider, notify us at support@smartandpoint.com promptly. SmartAndPoint reserves the right to recover any chargeback amounts and related fees from you if the chargeback is determined to be invalid.

5. Indemnity

You agree to indemnify and hold harmless SmartAndPoint, its officers, directors, employees and agents from and against any claims, liabilities, losses, damages, costs and expenses (including reasonable attorneys’ fees) arising out of your use of the Services or your violation of these Terms, including any third‑party claim related to user content you submit.

6. Limitation of Liability

To the fullest extent permitted by law, SmartAndPoint will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. Our aggregate liability for all claims relating to the Services will not exceed the amounts actually paid by you to SmartAndPoint in the 12 months prior to the claim (or $100 if you have not paid fees).

7. Termination

We may suspend or terminate your access to the Services at any time for violations of these Terms, suspected fraud, or legal obligations. Upon termination, your right to access the Services ends immediately.

8. Governing Law

These Terms are governed by the laws of the State of Delaware, U.S.A., without regard to conflict of law rules.

9. Contact

For legal notices and DMCA takedown requests: legal@smartandpoint.com

Privacy Policy

Last updated: October 2025

1. Overview

SmartAndPoint Inc. ("we" or "us") provides AI-powered products (including SaveToMemory) that help users capture, search, and transform information. This Privacy Policy explains what personal data we collect, why we collect it, and how we use and protect it.

2. Personal Data We Collect

3. How We Use Data

We use data to provide, maintain, and improve our services, to process payments, to prevent fraud, to communicate with you, and to comply with legal obligations.

4. Third‑Party Services

We rely on trusted third parties (including Stripe for payments and AWS/DigitalOcean for hosting). We share only the minimum data required for these services to operate.

5. Data Retention and Deletion

We retain personal data as long as necessary to provide services and comply with legal obligations. You may request deletion of your account and associated personal data by contacting privacy@smartandpoint.com. Deletion requests will be processed in accordance with applicable law and our internal policies.

6. Security

We use industry standard technical and organizational measures (encryption in transit, regular backups, access controls) to protect data, but no system is completely secure. Promptly report suspected breaches to security@smartandpoint.com.

7. International Transfers

Your data may be processed and stored in the United States and other jurisdictions. By using our Services you consent to such transfers in accordance with applicable law.

8. User Content & Responsibility

Users are solely responsible for the content they upload or create using our Services. We process and transform user-provided content as part of the service (for example: indexing, summarization, or other AI transformations). SmartAndPoint does not endorse, verify or assume legal responsibility for the accuracy, lawfulness or safety of user-provided content or outputs generated from such content.

We will remove or restrict access to content that violates laws or our Terms or in response to valid legal requests. We may also suspend accounts for misuse.

9. Your Rights

Depending on where you live, you may have rights to access, correct, export or delete your personal data, or to object to processing. Contact privacy@smartandpoint.com to exercise your rights.

10. Changes to This Policy

We may update this Privacy Policy. We will post changes on this page with the updated "Last updated" date.

11. Contact

Email: privacy@smartandpoint.com

Owned Domains

SmartAndPoint Inc. is the owner/operator of the following domains, grouped by product line:

SmartAndPoint

SaveToMemory

If you have questions about domain ownership or want to report abuse on any of these domains, please contact legal@smartandpoint.com.