Terms and Conditions

1. Overview

The terms "we," "us," and "our" refer to SuccessionKeeper.com and SuccessionKeeper Ltd. The term "Site", "App", "Application" refers to SuccessionKeeper.com. The terms "user," "you," and "your" refer to site visitors, customers, members and any other users of the site.

Explicit Consent to Data Release: By clicking "I Accept" or using the Service, you confirm that you have read and understood these terms. Specifically, you acknowledge that you are solely responsible for the consequences of releasing your encrypted data to your chosen Nominees and that SuccessionKeeper Ltd is not liable for any family disputes, legal challenges to your estate, or unauthorized use of data by a Nominee once it has been released according to your instructions.

2. Definitions and Interpretation

"Service" means the SuccessionKeeper website, mobile applications, and related digital tools.

"User Data" means all data, content, documents, pictures, or information submitted, uploaded, or stored by you.

"Personal Account" means an individual user profile accessible only to the account holder.

"Family Account" means an account shared between authorised users with mutual visibility.

"Primary Nominee": The lead contact designated to receive Check-In prompts to assist in verifying the user's status.

"Nominees": All individuals (including the Primary) designated to receive the final Data Package.

"Data Package": The organized information released to Nominees as a downloadable delivery.

3. The Service and "Wellbeing"

SuccessionKeeper.com is a private, encrypted depository where you list and organise all your financial and legacy information in one place. You control who sees what, and when.

No Fiduciary Relationship:

Your use of SuccessionKeeper does not create an attorney-client, financial advisor, or fiduciary relationship between you and SuccessionKeeper Ltd.

Non-Interference:

We do not review your User Data for legal sufficiency, nor do we provide "Legacy Planning" or "Estate Planning" advice; our service is strictly limited to financial organisation and wealth overview.

AS-IS Basis:

We offer the SuccessionKeeper service "as-is" without a warranty. SuccessionKeeper is a work-in-progress; we may restrict certain services or features at any time.

4. Check-Ins and Data Release Mandate

User-Directed Mandate: You acknowledge that by configuring Check-In Settings and designating Nominees, you are providing SuccessionKeeper Ltd with a specific, standing instruction and mandate to disclose your User Data to said Nominees upon the occurrence of the events you define.

The Check-In Process:

You configure the frequency of your Check-In Settings and failure to comply with them and the corresponding grace period will ultimately result in sharing of your information with the people you have nominated.

The Release Phase:

If inactivity is confirmed or death is verified, a Data Package is sent to all designated Nominees simultaneously. We recommend that there is more than one Nominee to ensure a wider chance the information reaches the family.

Release as Service Fulfilment:

You acknowledge and agree that if you fail to respond to the activity confirmation prompts configured within your account (Check-Ins), the Service may, in accordance with your chosen preferences, automatically release or make accessible certain information to your designated Nominees. The release of information is a core functional component performed at your direction; SuccessionKeeper Ltd acts solely as a technical facilitator and does not exercise discretion over the timing, accuracy, or content of such release. SuccessionKeeper is a work-in-progress, so some features of our website and apps may not work exactly as planned. We may stop offering or restrict certain services or features at any time. Please be patient with us and we'll always do our best to support you.

5. Use of Site and Modifications

Information About Us:

Our site is operated by SuccessionKeeper Ltd, a limited company registered in England and Wales under company number 16874074. Our registered office is Camburgh House, 27 New Dover Road, Canterbury, Kent, CT1 3DN.

Changes to Site/Terms:

We will update our site and revise these terms periodically. The most current version will always be at successionkeeper.com/terms. You are responsible for checking back frequently. We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Availability:

We do not guarantee our site will always be available or uninterrupted. We may suspend or change any part of our site without notice.

Eligibility:

You must be 18 years or older. If we discover data collected from a minor without consent, it will be deleted promptly.

6. Intellectual Property and Conduct

Ownership:

We own all intellectual property rights on our site and material published on it. You must not use any part of our content for commercial purposes without a licence. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Name and Logo:

You may not use our trademarks, logos, or trade names except in accordance with these terms.

Linking:

You may link to our home page fairly and legally, but you must not suggest endorsement where none exists.

Third-Party Links:

We have no control over the contents of third-party links and are not liable for them.

7. Data Protection, Backups, and Portability

Security:

Data is encrypted on the device, in transit and at rest. We never store login credentials for your financial accounts. Access to user vault contents by our staff is strictly limited, audited, and logged. We do not sell your data to advertisers or third parties; the information you store is yours.

Viruses and Misuse:

You must not misuse our site by knowingly introducing viruses or malicious material. Such breaches will be reported to law enforcement under the Computer Misuse Act 1990.

Storage:

All data is stored on UK servers. Third-party processors are engaged under agreements complying with Article 28 of the UK GDPR.

Data Deletion and Backups:

Upon account deletion, we commence data removal. Encrypted backups may remain in disaster-recovery storage for up to 90 days for legal compliance and restoration purposes.

Data Portability:

We support data portability — you can export your data at any time. It is your data and you are in control.

Global Compliance:

While a UK entity, we aim to respect privacy rights globally (GDPR, LGPD, CCPA, etc.). International users expressly consent to the cross-border transfer of personal data to the UK.

8. Data Sharing in Family Accounts

Family Account Consent:

By creating or joining a Family Account, you acknowledge and agree that everyone on the account agrees to see each other's accounts, personal data, documents, and everything stored within that shared environment.

User Responsibility and Control:

Each participant retains full control over the information they provide. You are solely responsible for ensuring shared data is suitable to be viewed by other participants.

Consent to Data Processing:

Maintaining a Family Account constitutes express consent for SuccessionKeeper Ltd to process and display shared data to authorized participants under applicable data protection laws.

Withdrawal:

You may withdraw from a Family Account at any time. Previously shared historical data may remain accessible to other participants as part of their records.

Security Measures:

All Family Account data remains protected by the same encryption, access controls, and security standards applied to individual accounts. However, by enabling data visibility between participants, you acknowledge and accept the inherent risks of information sharing.

9. Accuracy and User Responsibility

You are solely responsible for ensuring that all data (financial institutions, assets, and Nominee details) is complete, accurate, and up to date. SuccessionKeeper Ltd does not verify user data and is not liable for:

• Incomplete, incorrect, or outdated information.

• Failure to update information when changes occur.

• Any actions or decisions made by others relying on such information.

You acknowledge that any data you choose to store, share, or disclose through the Service is done at your own discretion and risk.

Access:

Only you can access your personal account data. In a family account, both members share access in real time. SuccessionKeeper employees do not have access to your stored information — and all internal operations are governed by strict access controls and confidentiality policies.

10. Paid Subscriptions and Payment Terms

The Service is subject to an annual subscription.

Billing & Renewal:

Payments are collected via credit card through SuccessionKeeper.com. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period.

Pricing:

SuccessionKeeper Ltd reserves the right to change prices and subscription benefits at its sole discretion.

Non-Payment:

Access to your vault and the execution of Check-In triggers may be suspended if payments are overdue.

11. Termination and Refunds

Cancellation:

You may cancel paid subscriptions at any time via account settings or app stores. Cancellation stops renewals but does not automatically delete stored data.

Refunds:

In accordance with the UK Consumer Rights Act 2015, if the Service is defective, you may have a right to a refund. Material changes you do not accept entitle you to a pro-rata refund for unused periods.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

SuccessionKeeper Ltd accepts no liability for losses arising from inaccurate or outdated user information.

We shall not be liable for indirect, incidental, or consequential damages (including emotional distress) or loss of data/profits.

Our total liability for any claim — including failures in Check-In triggers or data delivery — shall not exceed the total amount paid by you to us in the twelve (12) months preceding the incident.

Statute of Limitations: Any claim arising from the use of the Service must be filed within one (1) year or be forever barred.

13. Indemnification

You agree to indemnify and hold harmless SuccessionKeeper Ltd, its employees, and agents from any third-party claim (including heirs, estates, or legal representatives) arising from the automated release of data performed in accordance with your settings or the inaccuracy of your stored information.

14. General Provisions

Assignment:

SuccessionKeeper Ltd may assign its rights and obligations to another entity (e.g., in a merger). You may not assign your rights without our written consent.

Governing Law:

These Terms are governed by the laws of England and Wales. Parties agree to attempt good-faith mediation for 30 days before submitting to the exclusive jurisdiction of the courts of England and Wales.

Force Majeure:

We are not liable for delays or failures caused by circumstances beyond our reasonable control (e.g., natural disasters, internet outages).

Effective Date: 27 February 2026 — These Terms supersede all previous versions.