Terms of Service

1. Acceptance of Terms

By accessing our website, purchasing Secure Estate Vault, or using any of the files included in the Secure Estate Vault digital estate kit, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use or purchase Secure Estate Vault.

These Terms of Service constitute a legally binding agreement between you and Secure Estate Vault ("we," "us," "our"). By clicking "purchase," "download," or otherwise accessing the product, you confirm that you have read, understood, and agree to these terms.

2. Product Description & Limitations

Secure Estate Vault is a digital download product consisting of five HTML files:

• A "Read Me First" guide for designated family members or trusted persons
• An encrypted credential vault application using AES-256-GCM encryption
• A personal information worksheet
• A setup and storage security protocol guide
• A copy of the product terms, license, and disclaimer

The product is delivered as a downloadable zip file immediately following purchase. All files are designed to function as standalone HTML files in any standard modern web browser, completely offline, with no dependency on internet connectivity, our servers, or our continued operation as a business.

3. Not Legal Advice or a Legal Document

Secure Estate Vault is not any of the following, and makes no representation that it is:

• A will or last testament
• A living will or advance healthcare directive
• A trust document of any kind
• A power of attorney
• A beneficiary designation
• Any other legally binding document
• Legal advice, legal counsel, or a substitute for consulting a licensed attorney
• Financial advice or a substitute for consulting a licensed financial advisor

Information stored in Secure Estate Vault carries no legal weight. The product does not direct the distribution of assets, create any legal obligations, or supersede any existing legal documents.

We strongly recommend consulting a licensed estate attorney in your state or jurisdiction for the preparation of all legally binding estate planning documents. The existence of Secure Estate Vault does not reduce this need.

4. Purchase, Payment & Delivery

Secure Estate Vault is available for a one-time purchase of $37 USD. All payments are processed securely by Stripe. We do not store, access, or retain your payment card information.

Upon successful payment, you will receive immediate access to download your zip file. The download link will also be sent to the email address provided at checkout. If you do not receive your download within 15 minutes of purchase, contact us at hello@securestatevault.com.

Prices are subject to change at any time. Changes in price do not affect purchases already completed.

5. Refund Policy

All sales are final once the file has been downloaded. By completing your purchase you acknowledge you are buying a digital download that is delivered immediately and cannot be returned in the traditional sense. Because the product is delivered digitally and instantly, we do not offer refunds based on change of mind, accidental purchase, or a decision that the product does not meet your expectations after downloading.

If you experience a technical issue that prevents you from accessing or opening your files within 7 days of purchase, contact us at hello@securestatevault.com with your order confirmation and a description of the issue. We will make it right, whether that means a replacement file, technical support, or at our sole discretion, a refund. We are here to help if something genuinely does not work.

We do not issue refunds because a customer changed their mind, purchased by mistake, or decided the product was not what they expected after downloading and accessing the files.

6. License & Permitted Use

Upon purchase, you are granted a personal, non-exclusive, non-transferable license to use the Secure Estate Vault files for your own personal estate planning purposes.

You MAY:

• Use Secure Estate Vault on multiple devices for your own personal use
• Share your sealed encrypted vault file with designated family members or trusted persons
• Print or save portions of the worksheet for your own records

You MAY NOT:

• Resell, redistribute, or sublicense the Secure Estate Vault files to any third party
• Claim authorship or ownership of the Secure Estate Vault files
• Modify and redistribute the files as your own product
• Use Secure Estate Vault files as part of a commercial product or service without written permission
• Share your login credentials or download link with others for the purpose of circumventing purchase

Violation of this license may result in termination of your access and potential legal action.

7. Security & Your Responsibilities

Secure Estate Vault uses AES-256-GCM encryption with PBKDF2 key derivation at 310,000 iterations. All encryption occurs locally in your browser. We never receive, store, or transmit your vault contents or master password.

You are solely responsible for:

• The strength and security of your master password. The app enforces a minimum 16-character password with uppercase, lowercase, numeric, and special character requirements. Choosing a weak or guessable password reduces your security.
• Storing your master password safely. We recommend a sealed envelope with your estate attorney, in a safety deposit box, or with a designated trusted person. Do not store your password in the same location as your encrypted vault file.
• The security of the device you use to fill in and seal your vault. If your device is compromised by malware before or during the sealing process, we accept no liability for any resulting data exposure.
• Keeping your vault updated. An outdated vault may not reflect current accounts, credentials, or wishes. We recommend annual review and resealing.

8. Lost Password, No Recovery Possible

The application is designed to make this clear before sealing: it requires you to acknowledge in writing that you have recorded your password before the Seal Vault button becomes available.

By purchasing and using Secure Estate Vault, you acknowledge and accept this limitation. We accept no liability for vault contents that become inaccessible due to a lost or forgotten master password.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Secure Estate Vault and its owners, employees, and affiliates shall not be liable for:

• Any loss of access to vault contents due to a lost, forgotten, or compromised master password
• Any unauthorized access to vault contents resulting from a compromised device, weak password, or password disclosure by the user
• Any legal, financial, or personal consequences arising from reliance on Secure Estate Vault as a substitute for professional legal or financial advice
• Any indirect, incidental, special, consequential, or punitive damages arising from use of the product
• Any data loss resulting from device failure, file corruption, or storage media failure
• Any disputes between family members, beneficiaries, or third parties arising in connection with information stored in Secure Estate Vault
• Any changes in law that affect the usability or relevance of information stored in the vault

Our total liability to you for any claim arising out of or related to Secure Estate Vault shall not exceed the amount you paid for the product ($37).

10. Disclaimer of Warranties

Secure Estate Vault is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that Secure Estate Vault will be error-free, that all browsers will render it identically in perpetuity, or that the encryption standards used will remain unbreakable against all future computing advances. AES-256 is currently considered the global gold standard, but we make no guarantee about its absolute future-proof security.

We do not warrant that the product will meet your specific estate planning needs, and we expressly disclaim any representation that it constitutes adequate estate planning in any jurisdiction.

11. Governing Law & Dispute Resolution

These Terms of Service are governed by the laws of the State of California, United States, without regard to its conflict of law provisions.

Any disputes arising from these terms or your use of Secure Estate Vault shall first be attempted to be resolved informally by contacting us at hello@securestatevault.com. If informal resolution fails, disputes shall be resolved through binding arbitration in California, except that either party may seek injunctive relief in a court of competent jurisdiction.

You waive any right to participate in a class action lawsuit or class-wide arbitration against Secure Estate Vault.

12. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Updated terms will be posted at this URL with a revised effective date. Material changes will be communicated via email to customers who have provided their address. Continued use of the product after changes constitutes acceptance of the updated terms.

Your purchase is governed by the terms in effect at the time of purchase. Changes do not retroactively alter the terms of completed purchases.

13. Contact

Questions about these Terms of Service? Contact us:

Email: hello@securestatevault.com
Response time: Within 2 business days.

Note: While we recommend you have a licensed estate attorney review your estate plan, we are not able to provide legal advice or attorney referrals. Please consult a licensed attorney in your jurisdiction.