Terms of Service

By accessing, browsing, or using the VaultLegacy platform (the "Service"), including our website, applications, and all related services, you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms").

If you do not agree to all of these Terms, you must not access or use the Service. Your continued use of the Service following the posting of any changes to these Terms constitutes acceptance of those changes.

These Terms constitute a legally binding agreement between you and VaultLegacy ("we," "us," "our," or the "Company"). We reserve the right to update these Terms at any time, and it is your responsibility to review them periodically.

VaultLegacy is a secure information storage and documentation platform for digital estate planning.

Our platform enables users to:

• Securely document and organize information about their digital assets, accounts, and wishes
• Create and store digital estate plans, including beneficiary designations and distribution instructions
• Manage access permissions and designate trusted contacts who may receive information upon qualifying events
• Store encrypted notes, instructions, and messages for beneficiaries
• Maintain an organized inventory of digital accounts, subscriptions, and digital property

The Service is designed to help users organize, document, and communicate their digital estate wishes. It is a planning and documentation tool, not a legal instrument, financial service, or asset custodian.

To use VaultLegacy, you must:

• Be at least 18 years of age. By creating an account, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.
• Have the legal authority to agree to these Terms on your own behalf, or on behalf of the entity you represent.
• Not have been previously suspended or removed from the Service.
• Not use the Service for any unlawful purpose or in violation of any applicable local, state, national, or international law.

If we discover or have reason to believe that you do not meet these eligibility requirements, we reserve the right to suspend or terminate your account immediately without notice.

To access certain features of the Service, you must register for an account. When registering, you agree to:

• Provide accurate, current, and complete information during the registration process
• Maintain and promptly update your account information to keep it accurate, current, and complete
• Maintain the security and confidentiality of your login credentials, including your password
• Immediately notify VaultLegacy of any unauthorized use of your account or any other breach of security
• Accept full responsibility for all activities that occur under your account

You are solely responsible for safeguarding your account credentials. VaultLegacy will not be liable for any loss or damage arising from your failure to comply with these security obligations. We strongly recommend enabling all available security features, including two-factor authentication when available.

You may not share your account credentials with any third party, and you may not use another user's account without their express permission and our prior written consent.

Permitted Uses. You may use VaultLegacy to:

• Store and organize information about your digital assets and estate plans
• Designate beneficiaries and trusted contacts
• Create instructions and messages for your beneficiaries
• Access and manage your account information

Prohibited Uses. You agree NOT to:

• Use the Service for any illegal or unauthorized purpose, including money laundering, fraud, or facilitating criminal activity
• Attempt to gain unauthorized access to other users' accounts, our servers, or any connected systems
• Upload or transmit viruses, malware, or any other malicious code
• Interfere with or disrupt the integrity or performance of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated tools, bots, scrapers, or similar technology to access the Service without our express written permission
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity
• Store actual cryptocurrency private keys, bank account passwords, or other financial access credentials directly in the platform (store references and instructions instead)
• Violate any applicable law, regulation, or these Terms

We reserve the right to investigate and take appropriate action against anyone who, in our sole discretion, violates these provisions, including removing content, suspending or terminating accounts, and reporting to law enforcement.

VaultLegacy does not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from use of the Service will be accurate, reliable, or complete
• Any errors in the Service will be corrected
• The Service will meet your specific requirements or expectations
• The information stored will be preserved indefinitely or without loss

Limitation of Damages. To the maximum extent permitted by applicable law, in no event shall VaultLegacy, its officers, directors, employees, agents, affiliates, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with:

• Your use of or inability to use the Service
• Any unauthorized access to or alteration of your data or transmissions
• Any third-party conduct on the Service
• Any failure of asset transfers or estate plans to be executed as intended
• Any loss of digital assets or financial damages resulting from reliance on the Service

In no event shall our total aggregate liability exceed the amount you have paid to VaultLegacy in the twelve (12) months preceding the claim, or fifty dollars ($50.00), whichever is greater.

We take the security of your data seriously and employ industry-standard measures to protect it. Our security practices include:

• AES-256 Encryption: All sensitive vault data is encrypted at rest using AES-256 encryption, one of the strongest encryption standards available
• Encryption in Transit: All data transmitted between your device and our servers is protected using TLS 1.2 or higher
• Secure Infrastructure: Our servers are hosted in secure, SOC 2-compliant data centers with physical and logical access controls
• Access Controls: Strict role-based access controls limit who within our organization can access system infrastructure
• Regular Audits: We conduct regular security assessments and vulnerability testing

While we implement robust security measures, no method of electronic storage or transmission over the Internet is 100% secure. We cannot guarantee absolute security of your data. You acknowledge and accept this inherent risk when using the Service.

In the event of a data breach that affects your personal information, we will notify you in accordance with applicable law and take reasonable steps to mitigate the impact.

VaultLegacy offers the following pricing tiers:

Payment Processing. All payments are processed securely through Stripe, our third-party payment processor. VaultLegacy does not store your full credit card number or payment details on our servers.

Non-Refundable. All purchases are final and non-refundable. By completing a purchase, you acknowledge and agree that:

• You are making a one-time payment for lifetime access to the Service
• No refunds will be issued for any reason, including but not limited to dissatisfaction with the Service, failure to use the Service, or account termination due to Terms violations
• "Lifetime" refers to the operational lifetime of the VaultLegacy platform, not the lifetime of the user

We reserve the right to modify pricing at any time. Price changes will not affect existing paid users' access to the Service.

Agreement to Arbitrate. You and VaultLegacy agree that any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Service (collectively, "Disputes") will be resolved exclusively through binding individual arbitration, rather than in court, except that either party may bring individual claims in small claims court if they qualify.

Class Action Waiver. You and VaultLegacy agree that each party may only bring Disputes against the other in an individual capacity and NOT as a plaintiff or class member in any purported class action, collective action, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

Arbitration Procedures. Arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration will be conducted in the English language and held in Wilmington, Delaware, or at another mutually agreed location. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Opt-Out. You may opt out of this arbitration agreement by sending written notice to support@vaultlegacy.com within thirty (30) days of first accepting these Terms. Your notice must include your name, email address associated with your account, and a clear statement that you wish to opt out of the arbitration clause.

These Terms and any dispute arising out of or related to them or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

To the extent that any lawsuit or court proceeding is permitted under these Terms (including for matters not subject to arbitration), you and VaultLegacy agree to submit to the exclusive personal jurisdiction of the state and federal courts located in New Castle County, Delaware, for the purpose of litigating such disputes.

If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

VaultLegacy reserves the right to modify, amend, or update these Terms at any time at our sole discretion. When we make material changes, we will:

• Update the "Effective Date" and "Last Updated" date at the top of this page
• Notify you via email to the address associated with your account at least thirty (30) days prior to the changes taking effect
• Display a prominent notice on the Service indicating that the Terms have been updated

Your continued use of the Service after the effective date of any modifications constitutes your acceptance of the updated Terms. If you do not agree with the modified Terms, you must discontinue use of the Service and may request account deletion.

We encourage you to review these Terms periodically to stay informed of any changes. Non-material changes (such as typographical corrections or formatting updates) may be made without advance notice.

Termination by VaultLegacy. We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause, and with or without notice. Grounds for termination include, but are not limited to:

• Violation of these Terms or any applicable law
• Conduct that we determine, in our sole discretion, is harmful to other users, third parties, or the business interests of VaultLegacy
• Prolonged inactivity (accounts inactive for more than 24 consecutive months may be subject to termination after notice)
• Request by law enforcement or government agencies
• Discontinuation or material modification of the Service

Termination by You. You may terminate your account at any time by contacting us at support@vaultlegacy.com. Upon termination request, we will:

• Provide a reasonable window (30 days) for you to export your data
• Permanently delete your encrypted vault data within 90 days of the termination request
• Retain certain information as required by law or for legitimate business purposes (e.g., transaction records)

Effect of Termination. Upon termination, your right to access and use the Service ceases immediately. Sections 6, 7, 8, 11, and 12 of these Terms shall survive termination.

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us at:

We aim to respond to all inquiries within two (2) business days.