Términos de Uso

Merchant's Bag

Last updated: June 8, 2026

Effective date: June 8, 2026

1. Agreement

These Terms of Use ("Terms") are a legal agreement between you and Stars Encoding (CNPJ 46.609.057/0001-93) ("we", "us", or "our") governing your use of Merchant's Bag mobile application, website at merchantsbag.com, and related services (collectively, the "Service").

By accessing or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 13 years old (or the minimum age required in your jurisdiction) to use the Service. If you are under the age of majority in your country, you may use the Service only with permission from a parent or legal guardian who accepts these Terms on your behalf.

3. The Service

Merchant's Bag is a support tool for tabletop role-playing game sessions. It helps Game Masters and players manage campaign economy, inventories, cities, shops, and related session logistics. The Service does not replace official game rules, rulebooks, or licensed content from third-party publishers.

Features may change over time. Some capabilities described on our website or in the app (such as shops, AI-assisted generation, paid subscriptions, or PDF export) may be under development or not yet available in your version of the app.

4. Accounts and security

You may access the Service by:

  • Creating an account with email and password
  • Signing in with Google or Apple (where available)
  • Continuing as an anonymous guest (with limited cloud features)

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly at support@merchantsbag.com if you suspect unauthorized access.

Guest accounts may be linked to a registered account. Cloud sync and most server-backed features require a registered account.

5. License to use the Service

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to install and use the Service for personal, non-commercial tabletop gaming purposes.

You may not:

  • Copy, modify, or create derivative works of the Service except as permitted by law
  • Reverse engineer, decompile, or attempt to extract source code (except where legally required)
  • Circumvent security, access controls, or usage limits
  • Use the Service to build a competing product using our code or data
  • Resell, sublicense, or commercially exploit the Service without our written consent
  • Use automated means to scrape, overload, or disrupt the Service

6. Acceptable use

You agree not to use the Service to:

  • Violate any applicable law or regulation
  • Infringe intellectual property or privacy rights of others
  • Upload or share unlawful, harassing, hateful, or abusive content
  • Impersonate another person or misrepresent your affiliation
  • Distribute malware or interfere with the Service or its users
  • Harvest or collect personal data of other users without consent

We may investigate and take action—including suspending or terminating access—if we reasonably believe you have violated these Terms.

7. Your content

You may create or upload content in the Service, including campaign names, descriptions, custom items, character sheet fields, notes, display names, and other game data ("User Content").

You retain ownership of your User Content. By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, transmit, and process it solely to operate, improve, secure, and provide the Service (including syncing across your devices, sharing within campaigns you join, and generating results when you use AI-assisted features). This license ends when your User Content is deleted from the Service, except for residual backup copies kept for a limited time and content others have already received within a shared campaign.

You are solely responsible for your User Content. You represent and warrant that you have all rights necessary to submit it and that it does not violate these Terms, any law, or any third-party right.

8. Third-party names, marks, and intellectual property in your content

The Service lets you freely type names and text into many fields (campaigns, cities, shops, items, characters, notes, and display names). You are solely responsible for any name or text you enter, including names of third parties — such as real people, brands, fictional characters, settings, monsters, or other material created or owned by others.

You must not enter or share, through the Service, any name, mark, logo, artwork, or text that you do not have the right to use, or that infringes the intellectual property, publicity, or privacy rights of any third party. We do not review, verify, or claim ownership of the names and text you type, and we are not responsible for User Content that infringes third-party rights.

Sharing intellectual property within campaigns. When you add User Content to a campaign, it may be shared with and visible to other members of that campaign. You are responsible for ensuring you have the right to share that content with them, and you grant other campaign members a limited right to view and use it within the campaign for gameplay purposes. We are not a party to, and are not responsible for, how campaign members use content shared between them.

If you believe content in the Service infringes your rights, contact support@merchantsbag.com and we will review and act where appropriate, including removing infringing content.

9. AI-assisted content generation

The Service offers optional features that use Google Gemini artificial intelligence to generate game content, such as shop stock, items, portraits, and store or city descriptions ("AI Features"). AI Features are available to Premium plan users within usage limits.

By using AI Features, you understand and agree that:

  • The text you provide for generation (for example, a campaign description or prompt) may be sent to a third-party AI provider that processes it under its own terms and privacy policy, as described in our Privacy Policy.
  • You must not submit personal data of others, confidential information, or material you do not have the right to use as input.
  • AI output is generated automatically and may be inaccurate, incomplete, biased, generic, or similar to output produced for other users. It is provided for your inspiration only.
  • You are responsible for reviewing AI output before relying on it, and for ensuring your use of it complies with these Terms and any applicable game-content licenses.
  • To the extent permitted by law and by the AI provider's terms, we do not claim ownership of content generated for you; however, we make no guarantee that AI output is original, accurate, or free of third-party rights, and similar output may be generated for others.

10. Campaign sharing

When you join or create a campaign, certain data (such as inventory, wallet balances, and table display names) is visible to other members of that campaign by design. The Game Master controls campaign settings and may remove members. You are responsible for what you share at the table and for invite codes you distribute.

11. Plans: Free and Premium

The Service offers a free plan and a Premium plan. Today, plan status is stored on your user profile and affects certain limits (such as personal item library quotas). Premium may include or may in the future include additional features described on our website, such as higher limits, cloud sync enhancements, AI tools, or export options.

Billing: Paid in-app subscriptions are not active in the current release. When billing is introduced, purchases will be processed through the relevant app store (such as Google Play) and additional payment terms will apply. Until then, Premium access may be granted manually for testing or promotional purposes.

12. Third-party services and app stores

The Service relies on third-party providers, including Google Firebase, Google Sign-In, Apple Sign-In, AI providers (for AI Features), and app distribution platforms. Your use of those services is also subject to their terms and policies.

If you download the app from Google Play or (when available) the App Store, your purchase and use of the app are subject to that store's terms. We are not responsible for third-party services we do not control.

13. Open game and third-party content

The Service includes reference material based on open or licensed game content, including the Dungeons & Dragons System Reference Document 5.1 (SRD 5.1) made available by Wizards of the Coast under the Creative Commons Attribution 4.0 International License (CC BY 4.0).

SRD 5.1 content in the Service is attributed to Wizards of the Coast and used under CC BY 4.0. This Service is not affiliated with, endorsed by, or sponsored by Wizards of the Coast or other RPG publishers. "Dungeons & Dragons" and related marks are property of their respective owners.

You are responsible for complying with the licenses and terms of any third-party game content you reference or import outside what we provide.

14. Our intellectual property

The Service, including its software, design, branding, and documentation (excluding User Content and third-party licensed game text), is owned by Stars Encoding or its licensors and protected by intellectual property laws. These Terms do not grant you any rights to our trademarks, logos, or brand features.

15. Feedback

If you send us suggestions, ideas, or feedback about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without obligation or compensation to you.

16. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Stars Encoding and its officers, employees, and agents from any claims, damages, liabilities, and reasonable expenses (including legal fees) arising out of or related to: (a) your User Content, including names of third parties or material that infringes third-party rights; (b) your use of the Service or AI Features; or (c) your violation of these Terms or applicable law.

17. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, secure, or that game calculations, prices, inventory states, or AI-generated content will be accurate or match your table rules. You use the Service at your own risk during play sessions.

18. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STARS ENCODING AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM YOUR USE OF THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM, OR (B) BRL 100.

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.

19. Suspension and termination

You may stop using the Service at any time. You may sign out of the app to remove local data from your device. Registered users can delete their account and cloud data in the app under Settings → About → Delete my account, or contact support@merchantsbag.com for assistance.

We may suspend or terminate your access if you violate these Terms, if required by law, or if we discontinue the Service. Provisions that by their nature should survive (including intellectual property, your content warranties, indemnification, disclaimers, limitations of liability, and governing law) will survive termination.

20. Changes to the Service and Terms

We may modify the Service or these Terms at any time. We will post updated Terms on this page and update the "Last updated" date. If changes are material, we may provide additional notice in the app or by email where appropriate. Continued use after changes take effect constitutes acceptance of the revised Terms.

21. Governing law and disputes

These Terms are governed by the laws of the Federative Republic of Brazil, without regard to conflict-of-law principles. You agree that courts in Brazil shall have jurisdiction over disputes arising from these Terms or the Service, subject to mandatory consumer protection rules that may apply in your location.

22. General provisions

These Terms and our Privacy Policy are the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or transfer of assets. We are not liable for delays or failures caused by events beyond our reasonable control.

23. Contact

Questions about these Terms:
Stars Encoding · CNPJ 46.609.057/0001-93
admin@merchantsbag.com · support@merchantsbag.com

See also our Privacy Policy.