Terms and Conditions
Last Updated: March 15th, 2025
Please read these Terms and Conditions ("Terms") carefully before using the "Lost" mobile application (the "App") operated by YMMV LLC ("we," "us," or "our").
By accessing or using the App, you agree to be bound by these Terms. If you disagree with any part of the Terms, you are prohibited from accessing or using the App.
1. AGREEMENT TO TERMS
By using our App, you confirm that you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree to all of these Terms, do not use this App.
2. INTENDED USE
This App is intended SOLELY for the following limited purposes:
- As a temporary visual replacement for legitimately owned but misplaced insurance cards
- For demonstration and educational purposes only
- For personal reference to individuals who already possess valid insurance
You expressly acknowledge and agree that the insurance cards generated by this App:
- Are NOT legal documents
- Should NOT be presented to law enforcement as official documentation
- Do NOT constitute proof of insurance for legal or regulatory purposes
- Are NOT intended as replacements for official insurance documentation
3. PROHIBITED USES
You agree NOT to use this App for:
- Creating fraudulent insurance documentation
- Misrepresenting your insurance status to anyone
- Creating or displaying cards if you do not have legitimate insurance coverage
- Attempting to deceive law enforcement, government officials, financial institutions, or any third parties
- Any illegal activity or misrepresentation of any kind
- Attempting to use generated cards as proof of insurance for vehicle registration, traffic stops, accidents, or insurance claims
- Any purpose that violates federal, state, or local laws
4. INTELLECTUAL PROPERTY
All logos, trademarks, and brand imagery displayed in this App are the property of their respective owners and are used strictly for representation purposes. This App does not claim ownership of these assets and acknowledges all copyrights.
The insurance company names, logos, phone numbers, and addresses shown in the generated cards are the property of their respective companies. We do not claim affiliation with any of these insurance providers.
The App itself, its original content, features, and functionality are owned by YMMV LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
5. USER RESPONSIBILITY AND ACKNOWLEDGMENT
By using this App, you expressly acknowledge and agree that:
- You are solely responsible for your use of the App and any consequences thereof
- You will use the App only for lawful purposes and in accordance with these Terms
- You possess valid insurance coverage for any insurance cards you generate
- You understand that misrepresenting insurance coverage may be a criminal offense in many jurisdictions
- You understand that driving without valid insurance is illegal in most jurisdictions
- You will not attempt to present generated cards as legitimate proof of insurance
6. DISCLAIMER OF LIABILITY
THE APP AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND.
To the fullest extent permitted by applicable law, YMMV LLC, its affiliates, officers, directors, employees, agents, partners, and licensors hereby disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
YMMV LLC is not responsible for:
- Any misuse of the App
- Any consequences resulting from presenting generated cards as legal documentation
- Any legal or financial penalties incurred by users for misrepresenting insurance status
- Any accidents, injuries, or damages related to driving without legitimate insurance
- Any associated fines, fees, tickets, or legal consequences
By using this App, you voluntarily assume full responsibility for your actions and expressly agree to hold harmless YMMV LLC and its employees from any claims, damages, or liabilities that may arise from your use or misuse of the App.
7. LIMITATION OF LIABILITY
IN NO EVENT SHALL YMMV LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- Your access to or use of or inability to access or use the App
- Any conduct or content of any third party on the App
- Any content obtained from the App
- Unauthorized access, use, or alteration of your transmissions or content
- Use of generated insurance cards for any purpose
This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if YMMV LLC has been advised of the possibility of such damage.
8. DATA PRIVACY
Any information entered into this App is stored locally on your device and is not transmitted to external servers. We do not collect, store, or process your personal information on remote servers. Please refer to our Privacy Policy for more information on how your data is handled.
9. TERMINATION
We reserve the right to terminate or suspend your access to the App immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
We expressly reserve the right to terminate your access if we discover the App is being used for fraudulent or illegal purposes, or in any manner that violates these Terms.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
10. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless YMMV LLC, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the App, including, but not limited to, any use of the App's content other than as expressly authorized in these Terms.
11. CHANGES TO TERMS
We may update these Terms from time to time. You will be notified of any changes when you open the App, and continued use of the App will constitute acceptance of the updated Terms.
It is your responsibility to review these Terms periodically for changes. Your continued use of the App following the posting of revised Terms means that you accept and agree to the changes.
12. GOVERNING LAW
These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Tennessee, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
13. SEVERABILITY
If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.
14. ENTIRE AGREEMENT
These Terms constitute the entire agreement between you and YMMV LLC regarding the App and supersede all prior and contemporaneous written or oral agreements between you and YMMV LLC.
Any rights not expressly granted herein are reserved.
15. ACKNOWLEDGMENT
BY USING THE APP OR OTHER SERVICES PROVIDED BY YMMV LLC, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.
16. CONTACT US
If you have any questions about these Terms, please contact us at: