Effective Date: July 26, 2026 — Version 2026-07-26
This version supersedes all prior versions for any user who accepts it in the App. The version identifier shown above matches the version recorded in your in-app acceptance record and stamped into the metadata of your exported HTML and PDF reports. A summary of changes between versions appears in the Version History at the end of this document. Prior versions remain available at bigridgestudios.com/rafter/terms or by request to mdpauley17@gmail.com.
These Terms of Use and End User License Agreement (the "Terms") are a contract between you and Big Ridge Studios ("Big Ridge Studios," "we," "us," or "our"), the software publishing business of an independent developer based in Tennessee. In these Terms, "Big Ridge Studios" includes our permitted successors and assigns (see Section 21).
The Terms govern your use of Rafter: Home Inspection Report (the "App" or "Rafter"), an iOS application for professional home inspectors, distributed exclusively through the Apple App Store. They serve as both the terms of use for the App and its end user license agreement, and they are the same document referenced by the App's first-run acceptance screen and posted at bigridgestudios.com/rafter/terms.
These Terms are concluded between you and Big Ridge Studios only — not with Apple Inc. ("Apple"). Apple's role is described in Section 23.
How you accept. You accept these Terms in the App: before your first inspection, the App presents a blocking acceptance screen from which you can read this document and the Privacy Policy, and it requires you to confirm two statements by checking two boxes and tapping "Agree & Continue." Those two statements are part of these Terms, and by accepting you confirm each of them:
Acceptance records. The App maintains an append-only record of each version of these Terms you accept, including the version identifier, date, App build, and locale, and stamps the accepted version and the date of your acceptance into the metadata of your exported HTML and PDF reports. You agree that these records are admissible evidence of your acceptance and of which version of the Terms governs a given report.
Who may use Rafter. You represent that: (a) you are at least 18 years old and able to form a binding contract; (b) you are using the App for professional home-inspection or related business purposes; and (c) if you are accepting these Terms on behalf of a company or other organization, you have authority to bind that organization, in which case "you" means that organization.
If you do not agree to these Terms, do not accept them and do not use the App.
Rafter is report-writing software. Like a word processor, it helps you draft, organize, photograph, dictate, format, and export documents — in this case, home-inspection reports. Rafter does not perform inspections, does not observe properties, does not evaluate the condition of anything, and does not exercise professional judgment. You do.
Nothing in the App — including templates, starter comments, AI-drafted narrative text, state-notice language, or formatting — constitutes legal advice, engineering advice, architectural advice, inspection findings, or professional advice of any kind. If you need legal or professional advice about your inspection practice, consult a qualified professional in your jurisdiction.
You are solely responsible for every report you create with Rafter, including:
Rafter includes an on-device AI drafting feature that can propose narrative text based on your findings and dictation. It is a drafting aid, not an author of record:
Rafter ships with inspection templates, a starter comment library, and state-notice data packs that can insert report language associated with statutory or regulatory requirements in a number of U.S. states. These are informational drafting aids only:
Subject to these Terms, Big Ridge Studios grants you a personal, limited, non-exclusive, non-transferable license to install and use the App on any Apple-branded products that you own or control, as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions — except that the App may also be accessed and used by other accounts associated with your purchase via Family Sharing or volume purchasing, to the extent Apple's Family Sharing or volume purchasing features are enabled for Rafter and permit it.
The App is licensed to you, not sold. Big Ridge Studios and its licensors retain all rights in the App not expressly granted in these Terms. Nothing in these Terms grants you any right to use the Rafter or Big Ridge Studios names, logos, or trademarks except as they appear in reports the App generates for you.
Apple is the merchant of record. All purchases for Rafter are made through Apple's In-App Purchase system. Big Ridge Studios does not process payments, does not hold your payment information, and cannot issue refunds.
Refunds. Refund requests are handled by Apple under Apple's Media Services Terms and Conditions. You may request a refund at reportaproblem.apple.com or through your Apple Account. Nothing in these Terms limits any non-waivable refund or cancellation right you have under applicable law.
Purchase options. As of the Effective Date, Rafter offers: a free trial of three inspections (Section 10); Founder Lifetime, a one-time purchase of $399.99, available only while founder licenses remain (see below); and Rafter Annual, an auto-renewing annual subscription of $249.99 per year (Section 10). "Lifetime" is defined in Section 9.
Founder Lifetime availability. Founder Lifetime is a launch promotion limited to the first 100 purchases. Once those are claimed, the lifetime option is retired and Rafter is offered by annual subscription only. Because App Store sales reporting is not instantaneous, the tier is withdrawn as soon as reasonably practicable after our sales reports show the cap has been reached; every completed Founder Lifetime purchase is honored in full as a lifetime license (Section 9) regardless of timing. Big Ridge Studios may offer other introductory or promotional pricing for limited periods or quantities. In every case, the price and availability shown in the App Store at the time of your purchase control.
When we use the word "lifetime" in connection with the Founder Lifetime purchase, "lifetime" means the commercial lifetime of the Rafter app — the period during which Big Ridge Studios continues to make Rafter available for download or update through the Apple App Store — and not the lifetime of any person, business, or device.
What a lifetime license is. A one-time payment for a license to use Rafter's paid features, on the terms in this document, for as long as Rafter remains available. It is not a subscription, and you will never be charged again for the features included at the time of your purchase. It includes updates and new features we choose to release for Rafter generally; if we ever offer separately priced optional add-on products, a lifetime license includes the core App but does not automatically include those separately priced products.
What a lifetime license is not. We do not promise: (a) that we will develop updates, new features, or compatibility updates for future iOS versions or devices for any particular period or indefinitely; (b) that Rafter will remain on the App Store forever — App Store availability also depends on Apple; or (c) any cloud service, hosting, or online component. Rafter runs on your device. A lifetime license is a software license, not a service plan.
Personal and account-bound. Your lifetime license is personal to you (one individual or business). It is tied to the Apple Account used for the purchase, may be restored on that account's devices through Apple's restore-purchases mechanism (see "Moving to a new device" in Section 14), and may not be sold, rented, or transferred to anyone else, except to the extent Apple's own account features and, if enabled, Family Sharing permit.
If Rafter is discontinued. Section 19 describes what happens, including that discontinuation does not revoke the license for the copy already installed on your device.
Free trial. Rafter includes three free full inspections, plus a sample inspection that does not count against the trial. The trial counter is the only piece of Rafter data stored in iCloud Key-Value storage, under your own Apple Account. No payment information is collected for the trial; the trial does not convert into a paid purchase unless you choose to buy one.
Rafter Annual. Rafter Annual is $249.99 per year. Payment is charged to your Apple Account at confirmation of purchase. The subscription automatically renews at $249.99 per year unless canceled at least 24 hours before the end of the current period. You can manage or cancel the subscription at any time in your Apple Account's Subscriptions settings. Canceling stops future renewals; it does not refund the current period (Apple's refund policies, Section 8, apply).
Your reports stay yours when access ends. Rafter is designed so that the work you have already created remains available after your trial is used up or your subscription ends. Specifically, in the installed App you can still open, review, edit, and export inspections you already created — including completing an inspection that was in progress when your trial or subscription ended. What ends with the trial or subscription is the ability to start new inspections. This describes how the App is built; it is not a promise that the App or the App Store will be available forever (see Sections 9 and 19).
You own your work. As between you and Big Ridge Studios, you own your reports, the photos and dictation you capture, the templates you build, the comments you write, and the client and property information you enter (together, "Your Content"). We claim no rights in Your Content. Because Rafter has no servers, Your Content never reaches us through the App — it stays on your device and in your own backups (see Section 14). (If you choose to email content to us when requesting support, the Privacy Policy describes how we handle it.)
Our content is licensed, not transferred. The App, and its starter templates, starter comment library, and state-notice data packs (the "Starter Library"), are owned by Big Ridge Studios and its licensors. You may use, adapt, and include Starter Library content within your inspection reports and within your own working library inside the App. You may not extract, copy, resell, redistribute, or publish the Starter Library, in whole or substantial part, as a standalone library, template product, or dataset, or use it to build a competing library or product. This restriction is about the Starter Library as we shipped it: it does not limit your ownership of the comments and templates you write — including your edits and adaptations used in your own inspection practice — and nothing in it prevents you from taking the library you wrote with you if you stop using Rafter.
Feedback. If you send us suggestions, feature requests, or other feedback, you grant Big Ridge Studios a perpetual, irrevocable, worldwide, royalty-free license to use that feedback for any purpose, without obligation to you. Feedback never includes Your Content.
Rafter may offer tools to import your own content — for example, an importer that migrates your comment library from other inspection software. For anything you import into the App ("Imported Content"):
You agree to use the App only for lawful purposes and in compliance with these Terms. You will not:
Rafter is built without servers, accounts, analytics, ads, tracking, or third-party SDKs. Your report content, photos, dictation audio and transcripts, and client information stay on your device (and in your own device or iCloud backups, which you control). Speech recognition and AI drafting run on-device. The only Rafter data in iCloud Key-Value storage is the numeric trial counter, under your own Apple Account. Purchases are processed entirely by Apple.
Two practical consequences worth understanding:
Moving to a new device. Your purchases are tied to the Apple Account used to buy them and can be restored on a new device through Apple's restore-purchases mechanism (Section 9). Your reports, photos, templates, and library are stored only on your device: they move to a new device only through your own device transfer or backup (for example, Apple's device-to-device transfer or restoring an iCloud or computer backup) — Big Ridge Studios cannot transfer them for you. The free-trial counter is stored in iCloud Key-Value storage and follows your Apple Account.
Our Privacy Policy, available at bigridgestudios.com/rafter/privacy and linked from the App, describes all of this in detail and is incorporated into these Terms by reference.
Big Ridge Studios is solely responsible for providing maintenance and support for the App, to the extent specified here or required under applicable law. We provide support by email at mdpauley17@gmail.com and respond on a reasonable-efforts basis; we do not promise particular response times, service levels, or that any particular issue will be fixed. As described in Section 23, Apple has no obligation whatsoever to furnish any maintenance or support services for the App.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP — INCLUDING ALL TEMPLATES, THE STARTER LIBRARY, STATE-NOTICE DATA PACKS, AI DRAFTING, DICTATION, AND EXPORT FEATURES — IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. BIG RIDGE STUDIOS DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WITHOUT LIMITING THE FOREGOING, BIG RIDGE STUDIOS DOES NOT WARRANT THAT: (A) THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPATIBLE WITH ANY FUTURE DEVICE OR OPERATING SYSTEM; (B) ANY TEMPLATE, STARTER COMMENT, STATE NOTICE, OR AI-DRAFTED TEXT IS ACCURATE, CURRENT, OR COMPLETE; OR (C) ANY REPORT CREATED WITH THE APP SATISFIES ANY STATE STANDARD, STATUTE, REGULATION, LICENSING REQUIREMENT, OR STANDARD OF PRACTICE IN ANY JURISDICTION.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, ANY IMPLIED WARRANTIES THAT CANNOT BE DISCLAIMED ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM YOUR FIRST USE OF THE APP, TO THE EXTENT PERMITTED BY LAW. YOU MAY HAVE OTHER RIGHTS THAT VARY BY JURISDICTION, AND NOTHING IN THIS SECTION LIMITS ANY NON-WAIVABLE RIGHTS YOU HAVE UNDER APPLICABLE CONSUMER PROTECTION LAW.
If the App fails to conform to any applicable warranty that has not been effectively disclaimed, Section 23 describes Apple's limited refund role and Big Ridge Studios' responsibility for all other warranty claims.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
EXCLUSION OF CERTAIN DAMAGES. BIG RIDGE STUDIOS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST BUSINESS, LOSS OF DATA, COST OF SUBSTITUTE SOFTWARE, OR CLAIMS MADE AGAINST YOU BY YOUR CLIENTS OR OTHER THIRD PARTIES ARISING FROM YOUR INSPECTIONS OR REPORTS, ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS, UNDER ANY THEORY OF LIABILITY, EVEN IF BIG RIDGE STUDIOS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
AGGREGATE CAP. THE TOTAL AGGREGATE LIABILITY OF BIG RIDGE STUDIOS FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID FOR THE APP AND ITS IN-APP PURCHASES, AND (B) FIFTY DOLLARS ($50).
INDEPENDENCE OF LIMITATIONS. THESE LIMITATIONS APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. EACH LIMITATION IN THIS SECTION IS SEPARATE FROM AND INDEPENDENT OF THE OTHERS.
WHAT THIS SECTION DOES NOT DO. NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, DEATH OR PERSONAL INJURY CAUSED BY A PARTY'S NEGLIGENCE, OR ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU; IN SUCH JURISDICTIONS, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW. NOTHING IN THESE TERMS LIMITS ANY NON-WAIVABLE RIGHTS YOU HAVE UNDER APPLICABLE CONSUMER PROTECTION LAW, INCLUDING THE TENNESSEE CONSUMER PROTECTION ACT. THIS SECTION DOES NOT LIMIT BIG RIDGE STUDIOS' LIABILITY TO YOU BEYOND WHAT IS PERMITTED BY APPLICABLE LAW.
You will defend, indemnify, and hold harmless Big Ridge Studios, its owner, and its successors and assigns from and against third-party claims, and the resulting damages, settlements, costs, and reasonable attorneys' fees, to the extent arising from:
This obligation does not apply to the extent a claim results from Big Ridge Studios' own gross negligence or willful misconduct. We will notify you promptly of any claim subject to this Section and reasonably cooperate, at your expense, in the defense. You may not settle any claim in a way that imposes obligations on Big Ridge Studios without our prior written consent.
Term. These Terms take effect when you accept them in the App and continue until terminated.
Termination by you. You may stop using the App and delete it at any time.
Termination by us. We may terminate your license if you materially breach these Terms and, where the breach is curable, fail to cure it within 30 days after we notify you by any reasonable means available to us — for example, a reply to an email address from which you have contacted us, an in-app notice, or, if we have no way to contact you, a notice posted at bigridgestudios.com/rafter. Termination for breach does not entitle you to a refund from Big Ridge Studios (Section 8 — Apple handles refunds).
If Rafter is discontinued. If Big Ridge Studios decides to stop selling or updating Rafter, we will give at least 90 days' advance notice where reasonably practicable, via in-app notice and/or bigridgestudios.com. Discontinuation does not revoke the license for the copy of the App already installed on your device: because Rafter has no server component, we have no ability to remotely disable it, and your installed copy — including export of your already-created reports — continues to function as installed. Future iOS or hardware changes outside our control may eventually affect compatibility, and no compatibility updates are promised after discontinuation.
Survival. Sections 3, 4, 6, 9 (definitions), 11, 12, 16, 17, 18, 21, 22, 23, 24, 25, and 26, and any accrued payment or acceptance records, survive termination of these Terms. Your ownership of Your Content survives everything.
We may update these Terms from time to time. When we do, we will change the Version identifier and Effective Date at the top of this document and describe the change in the Version History.
A new version will not apply to you until you affirmatively accept it in the App. When these Terms change, the App presents a blocking acceptance screen from which you can read the updated Terms, and it requires your renewed acceptance before you continue using the App, including creating inspections and exporting reports. Until you accept an updated version, the version you most recently accepted continues to govern everything you did under it — including the reports you created and exported under it, each of which is stamped with the version that governs it — except that we may make changes required by law effective on the date required by that law. For material changes, we will endeavor to make the updated Terms available at bigridgestudios.com/rafter/terms in advance of the in-app prompt.
If you do not agree to an updated version, do not accept it: you may stop using the App and delete it. Declining an update means you cannot continue using the installed App, including its export features, unless and until you accept the updated version. Your reports, photos, and other data are not deleted — they remain on your device and in your own backups (Section 14) — and no update to these Terms affects your ownership of Your Content (Section 11). We will never rely on silence or continued use as acceptance of changed Terms.
You may not assign or transfer these Terms, or any rights or obligations under them, without our prior written consent, and any attempted assignment without consent is void.
Big Ridge Studios may assign these Terms, and any rights and obligations under them, without your consent: (a) in connection with a reorganization of its business form, including formation of, or transfer to, a limited liability company or other entity owned or controlled by the current owner; or (b) in connection with a merger, acquisition, or sale of all or substantially all assets relating to the App — provided in every case that the assignee assumes Big Ridge Studios' obligations under these Terms, including the obligation to honor lifetime licenses purchased before the assignment. These Terms bind and benefit the parties and their permitted successors and assigns.
Governing law. These Terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Talk to us first. Before filing any claim, you agree to email a description of the dispute to mdpauley17@gmail.com and give us 30 days to try to resolve it informally. We agree to the same before filing any claim against you. Most problems are bugs or misunderstandings, and email is faster than court.
Venue. Except as provided below, all claims arising out of or relating to these Terms or the App must be brought exclusively in the state courts located in the Tennessee county where Big Ridge Studios maintains its principal place of business, or in the United States District Court for the federal district that includes that county (we will identify that county on written request to mdpauley17@gmail.com; see Section 26), and both parties consent to personal jurisdiction and venue there — except where this venue requirement is prohibited by applicable law, including Tennessee Code Annotated § 47-18-113 as to Tennessee Consumer Protection Act claims.
Small-claims carve-out. Either party may instead bring an individual claim in small claims court in the county where you reside or in that Tennessee county, if the claim qualifies for that court.
No arbitration requirement. These Terms do not require arbitration. If a future version ever proposes one, it will not apply to you unless you affirmatively accept that version under Section 20.
Time to bring claims. To the extent permitted by applicable law, any claim arising out of or relating to these Terms or the App must be filed within one year after the claim accrued, or it is permanently barred. The limitations period in this Section is tolled while the informal-resolution process described above is pending.
CLASS ACTION WAIVER. TO THE EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. IF THIS WAIVER IS FOUND UNENFORCEABLE AS TO A PARTICULAR CLAIM, IT IS SEVERED AS TO THAT CLAIM ONLY, AND THE REMAINDER OF THESE TERMS REMAINS IN FULL FORCE.
Non-waivable rights. Nothing in these Terms limits any non-waivable rights you have under applicable consumer protection law, including the Tennessee Consumer Protection Act.
This Section contains provisions required because the App is distributed through the Apple App Store. It applies to your use of the App and controls over any conflicting provision of these Terms.
If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible to give effect to its intent, and the remaining provisions remain in full force. The parties intend that a court reform, rather than void, any provision found overbroad — including the warranty disclaimer, limitation of liability, and venue provisions, each of which contains its own savings language.
These Terms — together with the Privacy Policy and the representations you confirm via the in-app acceptance checkboxes, which are part of these Terms — are the entire agreement between you and Big Ridge Studios regarding the App, and supersede all prior or contemporaneous understandings about it. Descriptions of the App in marketing materials are informational and do not add warranties. No failure to enforce a provision waives it, and any waiver must be in writing.
Big Ridge Studios
Email (support, legal, questions, complaints, and claims): mdpauley17@gmail.com
Web: bigridgestudios.com/rafter
Mailing address available on written request.
| Version | Effective Date | Changes |
|---|---|---|
| 2026-07-26 | July 26, 2026 | Free trial increased from one inspection to three. No other changes. |
| 2026-07-13 | July 13, 2026 | Initial release. |