Terms of Service

1. Definitions

1.1 In these Terms:

“Account” means the account you register to use the Service.

“AI Features” means any voice, OCR, transcription, suggestion, classification, or similar functionality powered by third-party or in-house AI tools.

“Delegate” means a person you nominate to seek access to a Vault on an Estate Activation.

“Estate Activation” means a death, incapacity, or other triggering event that you designate or that otherwise permits a Delegate request.

“Service” means the ‘My Treasure Chest’ websites, applications, dashboards, APIs, and related services.

“Subscription” means a paid plan, if any.

“Vault” means the encrypted digital vault associated with your Account.

1.2 Headings do not affect interpretation. References to a statute include any amendment or replacement.

2. The Service

2.1 We provide a digital estate vault service that allows users to store information, documents, and related materials in encrypted form.

2.2 The Service is an information storage and organisation tool only — and – it is not legal, financial, tax, investment, or other professional advice.

2.3 We may update, modify, or withdraw features from time to time, providing that we act reasonably and do not materially reduce the core functionality of a paid Subscription without giving reasonable notice (where practicable).

3. Eligibility and Account Security

3.1 You must be at least eighteen (≥ 18) years old to create an Account or to use the Service.

3.2 You must provide accurate information and keep it up to date.

3.3 You are responsible for safeguarding your login credentials and for all activity carried out through your Account.

3.4 You must notify us promptly if you suspect unauthorised access or misuse.

4. Subscriptions, Fees and Renewal

4.1 We may offer Free, Personal, and Family plans, and any additional plans described on our website or in our apps.

4.2 Paid Subscriptions are billed through ‘Stripe’ (or another payment provider that we appoint) and shall renew automatically unless cancelled.

4.3 Fees are payable in advance (or arrears) as stated on our relevant checkout page or order form.

4.4 We may change fees on reasonable notice.

4.5 Any change to a recurring Subscription price will apply from the next renewal period after notice, unless mandatory applicable law requires otherwise.

4.6 If a payment fails, we may retry the payment, suspend access, or downgrade the Account after reasonable notice.

5. Your Vault and Content

5.1 You retain ownership of the content you upload or store in your Vault, subject to any third-party rights.

5.2 You grant us a worldwide, non-exclusive, royalty-free licence (while we are providing the Service) to host, process, transmit, display, and back up your content solely to provide and improve the Service, comply with applicable laws, and enforce these Terms.

5.3 You are responsible for the accuracy, legality, and appropriateness of content held in your Vault.

5.4 We may not be able to view Vault contents because they are encrypted.

5.5 You acknowledge that the Service is designed so that we act as custodian and service provider, not as a professional adviser or trustee.

6. Delegates and Estate Activation

6.1 You may nominate one or more Delegates and provide them with activation instructions.

6.2 You are responsible for ensuring Delegate details are accurate, current, and authorised by you.

6.3 Upon an Estate Activation request, we may require reasonable evidence and verification before granting access.

6.4 We may refuse access where we are not satisfied that the request is valid, lawful, or properly evidenced.

6.5 We may contact nominated individuals, advisers, or other persons where reasonably necessary to verify the request, subject to law and our Privacy Policy.

7. Storage Limits and Deletion

7.1 Each plan may include storage, attachment, or usage limits.

7.2 If you exceed a limit, we may notify you and request that you delete content, upgrade your plan, or reduce usage.

7.3 If you delete your Account, we may archive the Vault, cancel recurring billing, notify relevant Delegates where appropriate, retain data for up to 30 days for recovery and administration, and then delete it permanently (unless retention is required by mandatory applicable law).

7.4 We may also delete or suspend Accounts that are inactive for a prolonged period in accordance with our retention policy and applicable laws.

8. AI Features

8.1 The Service may include AI Features, including voice transcription, document extraction, classification, and field suggestions.

8.2 You acknowledge that AI Features may involve sending transcripts, images, or other limited inputs to third-party AI providers, including those providing AI services to us (currently being ‘Anthropic’), for transient processing.

8.3 By using AI Features, you consent to the processing described in our Privacy Policy and to any additional disclosures presented in our apps at the relevant time.

8.4 You acknowledge that AI Features are assistance tools only, may make mistakes, and must be reviewed and confirmed by you before reliance upon them.

8.5 We do not make solely automated decisions producing legal or similarly significant effects about you based solely on AI output.

8.6 We may reasonably disable or limit AI Features for security, legal, or operational reasons.

9. Mobile App Terms

9.1 If you use our mobile apps, certain device permissions may be requested, including camera, microphone, biometrics, and notifications.

9.2 Where a permission is optional, you may refuse it, but some features may then not function.

9.3 Biometric authentication, where available, is controlled by your device settings and operating system. We do not receive or store biometric information or templates.

10. Security and Availability

10.1 We use technical and organisational measures intended to protect data, including encryption in transit and at rest, access controls, logging, and cloud hosting in the London region (or other appropriate locations).

10.2 No platform is perfectly secure. You are responsible for using secure devices, updated software, strong passwords, and reasonable safeguards.

10.3 We do not guarantee uninterrupted availability, though we will use reasonable efforts to minimise downtime.

11. Acceptable Use

11.1 You must comply with our Acceptable Use Policy.

11.2 You must not misuse the Service, attempt unauthorised access, upload unlawful content, or use the Service for fraud, money laundering, harassment, or other unlawful activity.

12. Intellectual Property

12.1 We (and licensors to us) own the Service, software, interfaces, documentation, branding, and related intellectual property rights.

12.2 You retain rights in your own content, subject to clause 5.

12.3 Nothing in these Terms transfers ownership of our intellectual property to you.

13. Suspension and Termination

13.1 We may suspend or terminate your Account immediately (where reasonably necessary) for security, suspected abuse, legal compliance, non-payment, or material breach.

13.2 You may stop using the Service and close your Account at any time through the available account settings (or by contacting support).

13.3 Termination does not affect accrued rights, payment obligations, or clauses intended to survive termination.

14. Liability

14.1 Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any liability that cannot lawfully be limited.

14.2 Subject to clause 14.1, we are not liable for indirect or consequential loss, loss of profit, loss of revenue, loss of business, loss of goodwill, or loss of anticipated savings.

14.3 Subject to clause 14.1, our total aggregate liability arising out of or in connection with the Service shall not exceed the amount paid by you to us in the twelve (12) months before the event giving rise to the claim, or if no amount has been paid, GBP £100, except where mandatory applicable laws require otherwise.

14.4 We are not liable for losses caused by inaccurate, incomplete, or stale information you or a Delegate provide, or by your reliance on AI Features without review.

15. International Users

15.1 We are based in England and Wales and these Terms are governed by the laws of England and Wales.

15.2 Nothing in these Terms limits any consumer rights that cannot lawfully be excluded under the law of your place of habitual residence.

15.3 If you are outside the UK, you are responsible for complying with local laws applicable to your use of the Service, to the extent those laws apply to you.

16. Changes to these Terms

16.1 We may revise these Terms from time to time.

16.2 We will usually give at least thirty (≥ 30) days’ notice of material changes by email, in-app notice, or both, unless the change is required sooner for legal, security, or operational reasons.

16.3 If you continue using the Service after the effective date of a change, you will be deemed to have accepted the updated Terms, subject to mandatory law.

17. Disputes

17.1 Before starting court proceedings, we and you must try in good faith to resolve any dispute informally.

17.2 If the dispute is not so resolved, the courts of England and Wales shall have exclusive jurisdiction, subject to any mandatory consumer rights that apply in your jurisdiction.

18. General

18.1 You may not assign your rights or obligations without our consent.

18.2 We may assign or transfer our rights and obligations on notice to you where such action is reasonably necessary, including in connection with a reorganisation or sale of our business.

18.3 If any provision of these Terms is found unenforceable, the remainder continues in force.

18.4 These Terms, together with our Privacy Policy, Cookie Policy, Acceptable Use Policy, and any order form, are the entire agreement between the parties concerning the Service.