Terms of Service

You must be at least 18 years old and capable of forming a binding contract in your jurisdiction to use the Service. By creating an account, you represent that you meet these requirements.

The Service is designed for personal use in connection with estate and legacy planning. It is not intended for use by minors, and we do not knowingly collect information from anyone under 18.

You are responsible for maintaining the confidentiality of your login credentials, your Master Password, and your Recovery Key. You are responsible for all activity that occurs under your account.

You agree to provide accurate, current, and complete information during registration and to promptly update your information if it changes.

You may not share your account credentials, transfer your account, or allow another person to use your account. The Service is licensed to you personally and non-transferably.

LegadoVault is an end-of-life planning service that lets you store encrypted information (“Vault Items”), designate trusted individuals (“Trustees” and “Executors”), and configure a Legacy Release mechanism that can deliver access to your Vault to your designated Trustees if you become unable to access the Service yourself.

We provide the infrastructure. You provide the content and decide who receives it, when, and under what conditions.

Vault Items are encrypted in your browser or device using keys derived from your Master Password and Recovery Key. We receive and store only the encrypted ciphertext. We do not have access to your Master Password, Recovery Key, or any decrypted Vault Item content. We cannot decrypt your Vault Items, recover them if all your keys are lost, or provide them to any third party (including in response to legal process) in a readable form.

This design has consequences you must accept:

• If you forget your Master Password AND lose your Recovery Key, your Vault Items become permanently and irreversibly unreadable. We cannot help you recover them under any circumstances.
• If you share your Master Password or Recovery Key, we have no way to detect or prevent unauthorized access to your Vault.
• We make a strong technical effort to keep your data confidential, but we cannot guarantee absolute security of any system.

Our Security page provides a plain-English description of how the encryption works: legadovault.com/security.

You may designate one or more Trustees or Executors (collectively, “Designees”) who may receive access to some or all of your Vault Items if your Legacy Release is triggered.

It is your sole responsibility to:

• Select Designees you trust and whose contact information you can keep up-to-date.
• Share the Designee's decryption passphrase with them out-of-band (in person, in writing attached to your will, in a safety deposit box, etc.). We never see, store, or communicate this passphrase to the Designee. If the Designee does not have the correct passphrase at the time of release, the Vault Items assigned to them will be unreadable to them.
• Update, revoke, or replace Designees as your relationships and circumstances change.

A Designee's acceptance of the invitation does not create any legal obligation between you and us, or between you and the Designee, beyond those described in these Terms. Legal rights and duties related to your estate are governed by applicable estate law, not by these Terms.

The Service includes an automated mechanism (the “Legacy Release”) that will attempt to notify your designated Trustees and grant them portal access to the Vault Items you assigned to them, if you stop checking in with the Service for a duration you configure.

You understand and agree that:

• We do not verify that you have died, become incapacitated, or are otherwise unreachable. The Legacy Release fires based solely on your inactivity. If you become temporarily unreachable (e.g. extended travel, hospitalization, natural disaster) and fail to check in, the Legacy Release may fire even though you intended it not to.
• You are responsible for configuring the inactivity period, warning schedule, and Designee list in a way that reflects your wishes.
• You can pause, disable, or reconfigure the Legacy Release at any time from your account settings.
• Notifications sent to Trustees depend on third-party email and SMS providers. Delivery is best-effort; we cannot guarantee that any notification will be delivered or will be delivered in a timely manner.

The Service is explicitly designed to continue operating after a user's death. In the event you die, we will continue to:

• Run the Legacy Release if it has been configured and not paused by you prior to death.
• Provide Trustees with access to the Vault Items you assigned to them, subject to their possession of the correct passphrase.
• Retain your account data for a reasonable period to complete the release process and any follow-up requests from Designees.

A legal representative of your estate (e.g. an executor named in your will, an administrator appointed by a probate court, a person with a valid power of attorney that survives incapacity) may contact us at support@legadovault.com to request account closure or changes, subject to reasonable documentation of their authority. We will cooperate in good faith but cannot provide access to the encrypted contents of the Vault without the Master Password or Recovery Key.

You agree not to use the Service to:

• Store or transmit content that violates applicable law, including child sexual abuse material, stolen credentials, or content that infringes intellectual property rights.
• Impersonate another person, provide false information about your identity, or designate a person as a Trustee without a genuine relationship.
• Attempt to circumvent the encryption, reverse engineer the Service, probe for vulnerabilities without authorization, or otherwise interfere with the Service's operation.
• Use the Service to harass, threaten, or defraud any person — whether a Trustee, another user, or a third party.
• Resell, sublicense, or commercially exploit the Service without our written permission.

Because your Vault Items are encrypted, we cannot proactively inspect their content for compliance. This does not relieve you of your obligation to comply with this section.

Some features of the Service may be offered as paid subscriptions. Prices, billing cycles, and included features are displayed at the point of purchase. Subscriptions renew automatically at the end of each billing period unless you cancel before renewal.

Refunds are issued at our discretion. If a subscription lapses due to non-payment, we will not immediately trigger a Legacy Release or delete your Vault Items; we will attempt to notify you and provide a grace period of at least 30 days before taking any action that would affect your data.

By you. You may close your account at any time from your account settings or by contacting us. When you close your account, we will delete your encrypted Vault Items, Trustee records, and associated account data within a reasonable period (typically 30 days), subject to legal retention requirements and operational backups. Once deleted, your Vault Items cannot be recovered.

By us. We may suspend or terminate your account if you materially violate these Terms, if we detect fraudulent or abusive behavior, or if we are required to do so by law. Where practical, we will notify you before termination and give you a reasonable opportunity to export your data.

Please read this section carefully.

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.

LegadoVault is not a law firm, a financial advisor, a probate service, or a substitute for a professionally drafted will, trust, or power of attorney. Using the Service does not create an attorney-client relationship. You are solely responsible for ensuring that your estate planning complies with the laws of your jurisdiction and for consulting qualified professionals where appropriate.

We make no guarantee that notifications (including Legacy Release notifications) will be delivered on time or at all. We make no guarantee that the Service will be available at any particular time or for any particular duration.

To the fullest extent permitted by applicable law, LegadoVault and its officers, employees, contractors, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including but not limited to damages for lost profits, lost data, emotional distress, or loss of reputation — arising out of or related to your use of the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claim arising from or related to the Service will not exceed the greater of (a) the amount you paid us for the Service in the twelve months preceding the event giving rise to the claim, or (b) one hundred United States dollars (US$100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless LegadoVault and its officers, employees, and contractors from and against any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of or related to (a) your violation of these Terms, (b) your violation of any law or third-party right, or (c) content you store in the Vault or share with Designees in violation of applicable law.

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising from or related to these Terms or the Service will be resolved exclusively in the state and federal courts located in Florida, and you consent to the personal jurisdiction of those courts.

Nothing in this section prevents either party from seeking injunctive or equitable relief in any competent court to protect its intellectual property or confidential information.

We may update these Terms from time to time. If we make material changes, we will notify registered users by email and by posting notice on the Service at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service and close your account before the effective date.

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.

Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect.

Assignment. You may not assign or transfer these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision.

Questions about these Terms should be directed to support@legadovault.com.