Terms of Use

The Merchant's Bag

Effective date: June 8, 2026
Last updated: 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 The 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

The 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:

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:

6. Acceptable use

You agree not to use the Service to:

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, and other game data ("User Content").

You retain ownership of your User Content. By submitting User Content, you grant us a worldwide, non-exclusive license to host, store, reproduce, display, and process it solely to operate, improve, and provide the Service (including syncing across your devices and sharing within campaigns you join).

You represent that you have the rights to submit your User Content and that it does not violate these Terms or third-party rights.

8. 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.

9. 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.

10. Third-party services and app stores

The Service relies on third-party providers, including Google Firebase, Google Sign-In, Apple Sign-In, 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.

11. 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.

12. 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.

13. 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, or inventory states will match your table rules. You use the Service at your own risk during play sessions.

14. 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.

15. 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. To request deletion of cloud account data, contact support@merchantsbag.com.

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, disclaimers, limitations of liability, and governing law) will survive termination.

16. 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.

17. 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.

18. Contact

Questions about these Terms:
admin@merchantsbag.com · support@merchantsbag.com

See also our Privacy Policy.

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