Terms Of Service - Legacy Keeper

Standard Users

Effective Date: November, 2025

Welcome to Legacy Keeper! This Terms of Service Agreement (“Agreement”) is a legal agreement between Traction Technologies Inc. (“Company,” “we,” “us,” or “our”) and you (“User,” “you,” or “your”) regarding your use of the Legacy Keeper service (“Service”).

By accessing or using Legacy Keeper, you agree to be bound by these terms. If you do not agree with any part of these terms, do not use the Service.

1. Understanding Legacy Keeper

1.1 What Is Legacy Keeper?

Legacy Keeper is an AI-powered estate planning platform designed to help you organize your legacy, prepare estate planning documents, and communicate your wishes to your family. Our service uses advanced artificial intelligence technology to guide you through the estate planning process.

1.2 Who Can Use Legacy Keeper?

To use Legacy Keeper, you must:

Be at least 18 years of age
Have the legal capacity to enter into this Agreement
Create an account with accurate information

1.3 Important: We Are Not Replacing Professional Advice

Legacy Keeper is a helpful tool, but it does not replace the advice of qualified professionals. We are not attorneys, financial advisors, accountants, or tax professionals, and the Service does not provide legal, financial, tax, or professional advice. For complex estate planning situations, we strongly recommend consulting with qualified professionals in your area.

2. How the Service Works

2.1 AI Technology

Legacy Keeper uses artificial intelligence (AI) to help generate documents and provide information. While we work hard to make our AI accurate and helpful, it’s important to understand that AI-generated content may occasionally contain errors or may not perfectly fit your unique situation. You should always review all content carefully before relying on it.

2.2 Your Responsibilities

When using Legacy Keeper, you agree to:

Provide accurate and truthful information
Review all AI-generated content carefully
Keep your account information secure and confidential
Use the Service only for lawful purposes
Not share your account credentials with others
Consult with professionals for legal validation of estate planning documents

2.3 What You Cannot Do

You agree not to:

Use the Service for any illegal purposes
Upload viruses, malware, or harmful code
Attempt to hack, reverse engineer, or compromise the Service
Create fraudulent documents or content
Share false or misleading information
Interfere with other users’ access to the Service

3. Sharing Your Information and Collaboration

3.1 You Control Who Sees Your Data

Your estate planning information belongs to you, and you have complete control over who can access it. You decide who to share your information with, and you can revoke access at any time. This section explains how sharing and collaboration work.

3.2 Working with Professional Advisors

You may work with professional advisors (such as attorneys, financial advisors, or accountants) who also use Legacy Keeper. Here’s how that works:

Receiving an Invitation: Your professional advisor will send you an invitation through the Service to collaborate on your estate planning
Reviewing the Invitation: You’ll see this invitation on your collaboration page, where you can review who is requesting access and what permissions they’re requesting
Accepting the Invitation: You must explicitly accept the invitation before your advisor can access your data. By accepting, you authorize them to view, input, and edit your estate planning information
Revoking Access: You can revoke your advisor’s access at any time through your account settings

3.3 What Professional Advisors Can Do

When you accept a professional advisor’s invitation, they gain the ability to:

View all of your estate planning data and documents
Input new information on your behalf
Edit existing information in your account

Important: You remain responsible for reviewing and approving all changes made by your professional advisors. While they can input and edit data, you should verify that all information is accurate and reflects your wishes.

3.4 Sharing with Family Members and Other Advisors

You can also share your estate planning information with family members, trusted friends, or other advisors. You have two options:

Invite Them to View: You can invite other Standard Users (non-professionals) to view specific information you choose to share with them. These users can only view the information – they cannot edit or add to it
Invite Professional Advisors: If you want someone to be able to help you input and edit information, they must be registered as a Professional User on the Service

3.5 Your Responsibility When Sharing

You take full responsibility for who you share your information with. This means:

You are solely responsible for deciding who to invite and what information to share
You should only share your information with people you trust
You should verify the identity of anyone you invite to access your account
You are responsible for managing permissions and revoking access when appropriate
We are not liable for unauthorized access that results from you sharing your information with someone

3.6 Managing Your Sharing Settings

You can manage all sharing and collaboration settings through your collaboration page, where you can:

See all pending invitations from professional advisors
Accept or decline invitations
View everyone who currently has access to your information
Revoke access for any user at any time
Invite family members or friends to view specific information
Adjust what information each person can see

3.7 Difference Between Professional and Standard User Access

It’s important to understand the difference between what professional advisors can do versus what other Standard Users can do:

Professional Users (Advisors): Can view, input, and edit your data. They can actively help you build and update your estate plan
Standard Users (Family/Friends): Can only view the information you choose to share with them. They cannot add or change anything in your account

3.8 Data Sharing Best Practices

We recommend the following best practices when sharing your information:

Only share with people you know and trust
Verify professional credentials before accepting advisor invitations
Regularly review who has access to your account
Revoke access for anyone who no longer needs it
Be cautious about sharing sensitive financial or personal information
Keep your own account credentials private and secure

4. Your Privacy and Data Security

4.1 We Take Your Privacy Seriously

Your personal information and estate planning data are extremely important to us. We use enterprise-grade security measures to protect your information, including encryption, secure data storage, and strict access controls.

4.2 How We Protect Your Data

We implement multiple layers of security:

Industry-standard encryption for all data transmission and storage
Secure authentication systems to protect your account
Regular security audits and updates
Automatic data backups to prevent loss
Strict internal policies limiting employee access to your data

4.3 How the AI Uses Your Information

When you use Legacy Keeper, our AI processes your information to provide personalized assistance. However, we want to be clear: your personal data is not used to train or improve the AI for other users. Your information stays private and is used only to help you with your estate planning needs.

4.4 We Don’t Share Your Data

We will never sell your personal information to third parties. We only share your data when: (a) you explicitly authorize us to do so; (b) it’s necessary to provide the Service (like with our secure hosting providers who are contractually bound to keep your data confidential); or (c) we’re required by law.

4.5 Your Privacy Rights

You have the right to:

Access your personal data
Request corrections to your information
Request deletion of your data
Export your data in a portable format

For more details, please review our Privacy Policy, which is incorporated into this Agreement.

5. Your Account

5.1 Creating Your Account

To use Legacy Keeper, you’ll need to create an account. Please provide accurate information during registration and keep it updated. You are responsible for all activities that occur under your account.

5.2 Account Security

Please choose a strong, unique password and keep it confidential. Never share your account credentials with anyone. If you suspect any unauthorized access to your account, notify us immediately at admin@legacykeeper.app. We recommend enabling multi-factor authentication for added security.

6. Subscription and Payment

6.1 Free and Paid Features

Legacy Keeper offers both free features and premium features that require a paid subscription. The features available in each plan are described on our website.

6.2 Subscription Terms

If you subscribe to a paid plan, you agree to pay the subscription fees at the rates in effect when you subscribe. Subscriptions are available on monthly or annual terms and will automatically renew unless you cancel before the renewal date. We’ll notify you of any price changes at least 30 days in advance.

6.3 Cancellation

You can cancel your subscription at any time through your account settings. Your cancellation will take effect at the end of your current billing period, and you’ll continue to have access until then. We do not provide refunds for partial subscription periods, except as required by law.

6.4 Payment Methods

You authorize us to charge your chosen payment method for all fees. If your payment fails, we may suspend your access to premium features until payment is received. You’re responsible for any taxes applicable to your subscription.

7. Ownership and Your Content

7.1 We Own the Service

Legacy Keeper, including all software, AI technology, features, and content we provide, is owned by Traction Technologies Inc. and protected by copyright, trademark, and other intellectual property laws.

7.2 You Own Your Content

All the information, documents, and content you create or upload to Legacy Keeper belongs to you. By using the Service, you grant us permission to store, process, and display your content solely for the purpose of providing the Service to you. This permission ends when you delete your content or close your account.

7.3 AI-Generated Content

Documents and suggestions generated by our AI based on your input are provided for your use. However, because AI can generate similar content for different users with similar requests, we cannot guarantee that AI-generated content will be unique to you.

8. Important Disclaimers

8.1 No Professional Relationship

Using Legacy Keeper does not create an attorney-client, financial advisor-client, or any other professional relationship between you and Traction Technologies Inc. or its employees. We are a technology company providing tools, not professional services.

8.2 Not Legal Advice

Legacy Keeper provides information and generates documents, but this is not legal, financial, or tax advice. Every person’s situation is unique, and estate planning can be complex. We strongly encourage you to have any documents reviewed by a qualified attorney in your state before relying on them.

8.3 Service Provided “As Is”

Legacy Keeper is provided “as is” and “as available.” While we work hard to provide a reliable service, we cannot guarantee that the Service will always be available, error-free, or secure. We do not warrant that the AI-generated content will be accurate, complete, or suitable for your needs.

8.4 AI Technology Limitations

Artificial intelligence technology, while powerful, has limitations. AI-generated content may contain inaccuracies, may not reflect the most current laws, or may not perfectly fit your situation. You should always carefully review and verify AI-generated content and consult with professionals when needed.

9. Limitation of Liability

9.1 What We’re Not Responsible For

To the maximum extent permitted by law, Traction Technologies Inc. and its officers, directors, employees, and partners are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. This includes, but is not limited to, lost profits, lost data, or costs of obtaining substitute services.

9.2 Maximum Liability

If we are found liable to you for any reason, our total liability will not exceed the amount you paid us for the Service during the 12 months before the problem occurred. If you’re using a free version of the Service, our liability is limited to $100.

9.3 Why These Limitations Exist

These limitations allow us to provide the Service at a reasonable cost. Without them, we would have to charge significantly more to cover potential liability risks. Some states don’t allow limitations on implied warranties or liability for certain types of damages, so some of these limitations may not apply to you.

10. Your Data and Account Management

10.1 Data Retention

We keep your data as long as your account is active and as needed to provide the Service. We also retain certain data as required by law or to resolve disputes.

10.2 Account Data Deletion

You can delete all of your account data at any time directly from your account settings page. After confirming deletion, all of your data will be permanently and immediately removed from Legacy Keeper’s systems. Once deleted, your data is gone forever and cannot be recovered. We do not retain any backups or copies of deleted data.

10.3 Important Warning About Data Deletion

Please exercise extreme caution when deleting your data. Deletion is permanent and irreversible. Before deleting your account data, we strongly recommend exporting any information you wish to retain. You are solely responsible for maintaining your own backups of important information.

10.4 Exporting Your Data

You can export your data at any time through your account settings. We recommend regularly downloading copies of important documents for your records.

11. Termination

11.1 Closing Your Account

You can close your account at any time through your account settings or by contacting us. If you have a paid subscription, you’ll retain access until the end of your current billing period.

11.2 When We May Suspend or Close Your Account

We may suspend or terminate your account if:

You violate this Agreement
Your account poses a security risk
We’re required to do so by law
You don’t pay required fees
We discontinue the Service

We’ll try to give you reasonable notice before terminating your account, but we may suspend access immediately if necessary to protect the Service or other users.

11.3 What Happens After Termination

When your account is closed, you’ll lose access to the Service and your data. Make sure to export any information you want to keep before closing your account. Some provisions of this Agreement (like limitations of liability and dispute resolution) will continue to apply even after termination.

12. Changes to the Service and Terms

12.1 We May Update the Service

We’re constantly working to improve Legacy Keeper. This means we may add new features, change existing features, or remove features from time to time. We’ll try to notify you of significant changes, but we can’t guarantee the Service will always remain the same.

12.2 Changes to These Terms

We may update these terms from time to time. When we make material changes, we’ll notify you by email and post the updated terms on our website. The changes will take effect 30 days after we notify you. If you continue using the Service after that date, you’re agreeing to the new terms. If you don’t agree, you should stop using the Service and close your account.

13. Resolving Disputes

13.1 Let’s Talk First

If you have a problem with the Service, please contact us first at admin@legacykeeper.app. We’re committed to resolving issues fairly and quickly. Most concerns can be addressed through direct communication.

13.2 Arbitration

If we can’t resolve a dispute informally, you agree that the dispute will be resolved through binding arbitration rather than in court. Arbitration is more informal than a lawsuit and uses a neutral arbitrator instead of a judge or jury. This process is usually faster and less expensive than going to court.

Arbitration will be conducted under the Consumer Arbitration Rules of the American Arbitration Association (for U.S. users) or under applicable Canadian arbitration rules (for Canadian users). The arbitration will take place in Portland, Oregon (for U.S. users) or Vancouver, British Columbia (for Canadian users), or remotely if mutually agreed. Each party will pay their own costs and attorneys’ fees unless the arbitrator decides otherwise.

13.3 No Class Actions

You agree that disputes will be resolved on an individual basis only. You cannot bring a class action, class arbitration, or representative action against us. If this provision is found unenforceable, the entire arbitration section will not apply.

13.4 Small Claims Court

Either party may bring a claim in small claims court instead of arbitration if the claim qualifies for small claims court.

14. General Legal Terms

14.1 Which Laws Apply

This Agreement is governed by and construed in accordance with the laws of:

British Columbia, Canada, if you are accessing the Service through ca.legacykeeper.app

Oregon, United States, if you are accessing the Service through us.legacykeeper.app

This Agreement is governed without regard to conflict of law principles. The arbitration provisions are governed by the Federal Arbitration Act (for U.S. users) or applicable Canadian arbitration laws (for Canadian users).

14.2 Complete Agreement

This Agreement, along with our Privacy Policy, represents the complete agreement between you and Traction Technologies Inc. regarding the Service. It replaces any previous agreements or understandings.

14.3 If Part of This Agreement Is Unenforceable

If a court finds any part of this Agreement unenforceable, the rest of the Agreement will remain in effect. The unenforceable part will be modified to be as close as possible to what was originally intended while being enforceable.

14.4 We Can’t Transfer This Agreement

You cannot transfer your rights or obligations under this Agreement to anyone else without our written permission. We may transfer our rights and obligations, including in connection with a merger or sale of our business.

14.5 Notices

We’ll send important notices to the email address on your account. You should contact us at admin@legacykeeper.app for notices to us. Please keep your email address current.

Professional Users

1.1. Understanding Your Role as a Professional User

1.1 What Is a Professional User?

Professional Users are licensed or certified professionals—including financial advisors, attorneys, accountants, and estate planners—who use Legacy Keeper to collaborate with their clients (Standard Users) on estate planning matters. As a Professional User, you have enhanced capabilities to input, edit, and manage client data.

1.2 Professional Requirements

To register as a Professional User, you must:

Hold a valid professional license or certification relevant to estate planning, financial advisory, legal services, or accounting
Be in good standing with your professional regulatory body
Maintain appropriate professional liability insurance
Provide accurate professional credentials and contact information

1.3 Your Professional Responsibilities

As a Professional User, you remain bound by all applicable professional standards, ethics rules, and legal obligations governing your profession. Legacy Keeper is a tool to assist you in serving your clients—it does not replace your professional judgment, expertise, or legal obligations. You are solely responsible for the advice you provide and the services you render to your clients.

2. How You Use the Service

2.1 Your Account

To use Legacy Keeper as a Professional User, you must create an account and provide accurate professional credentials. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2.2 Your Responsibilities

When using Legacy Keeper, you agree to:

Provide accurate and current professional credentials and licensing information
Maintain the security and confidentiality of your account
Use the Service only for legitimate professional purposes
Comply with all applicable laws and professional regulations
Respect client confidentiality and privacy
Not misrepresent your credentials or professional status

2.3 Prohibited Activities

You agree not to:

Use the Service for any illegal or unauthorized purpose
Access client accounts without proper authorization
Share your account credentials with others
Attempt to circumvent security features or access controls
Upload viruses, malware, or harmful code
Interfere with other users’ access to the Service

3. Working with Clients

3.1 Client Collaboration Process

As a Professional User, you collaborate with clients (Standard Users) through the following process:

You send an invitation to your client through the Service
The client reviews your invitation on their collaboration page
The client must explicitly accept your invitation before you can access their data
Once accepted, you can view, input, and edit the client’s estate planning information
The client can revoke your access at any time

3.2 Your Access to Client Data

When a client accepts your invitation, you gain the ability to:

View all of the client’s estate planning data and documents
Input new information on behalf of the client
Edit existing information in the client’s account

Important: The client remains the owner of their data and retains ultimate control. Clients are responsible for reviewing and approving all changes you make.

3.3 Client Confidentiality

You must maintain the confidentiality of all client information accessed through Legacy Keeper in accordance with applicable professional standards and laws. You are solely responsible for complying with all confidentiality and privacy obligations governing your profession.

3.4 When Client Access Ends

When a client revokes your access or deletes their account:

You will immediately lose access to their data through Legacy Keeper
You remain responsible for any client information you previously downloaded or copied
Your professional obligations regarding client data retention may continue to apply

4. Professional Standards and Liability

4.1 No Substitute for Professional Judgment

Legacy Keeper is a technology tool to assist you in serving your clients. It does not replace your professional judgment, expertise, or obligations. You are solely responsible for:

The accuracy and appropriateness of advice you provide to clients
Compliance with all applicable professional standards and regulations
Maintaining appropriate professional liability insurance
Verifying all AI-generated content before relying on it or sharing it with clients

4.2 AI Technology Limitations

Legacy Keeper uses artificial intelligence to assist with document generation and information. You acknowledge that:

AI-generated content may contain errors or inaccuracies
AI cannot replace professional expertise and judgment
You must review and verify all AI-generated content before using it
You are responsible for ensuring AI-generated documents are appropriate for your clients

4.3 Your Liability to Clients

You acknowledge and agree that:

Traction Technologies Inc. is not responsible for the professional services you provide
You are solely liable for the advice, services, and documents you provide to clients
You will indemnify and hold harmless Traction Technologies Inc. from any claims arising from your professional services

5. Data and Privacy

5.1 Client Data Ownership

All client data belongs to the client. By using the Service, clients grant you access to their data for professional advisory purposes only. You do not own client data accessed through Legacy Keeper.

5.2 Data Security

We use enterprise-grade security measures to protect all data on the platform. However, you are responsible for:

Maintaining the security of your account credentials
Using secure devices and networks when accessing client data
Complying with all applicable data protection laws and regulations
Implementing appropriate security measures for any client data you download

5.3 How We Use Data

We do not use client data to train AI models or for any purpose other than providing the Service. Our Privacy Policy provides detailed information about our data practices.

13. Resolving Disputes

13.1 Let’s Talk First

13.2 Arbitration

Arbitration will be conducted under the Commercial Arbitration Rules of the American Arbitration Association (for U.S. users) or under applicable Canadian commercial arbitration rules (for Canadian users). The arbitration will take place in Portland, Oregon (for U.S. users) or Vancouver, British Columbia (for Canadian users), or remotely if mutually agreed. Each party will pay their own costs and attorneys’ fees unless the arbitrator decides otherwise.

13.3 No Class Actions

13.4 Small Claims Court

Either party may bring a claim in small claims court instead of arbitration if the claim qualifies for small claims court.

14. General Legal Terms

14.1 Which Laws Apply

This Agreement is governed by and construed in accordance with the laws of:

British Columbia, Canada, if you are accessing the Service through ca.legacykeeper.app

Oregon, United States, if you are accessing the Service through us.legacykeeper.app

14.2 Complete Agreement

14.3 If Part of This Agreement Is Unenforceable

14.4 We Can’t Transfer This Agreement

14.5 Notices

We’ll send important notices to the email address on your account. You should contact us at admin@legacykeeper.app for notices to us. Please keep your email address current.

15. Contact Us

If you have questions about this Agreement or Legacy Keeper, we’re here to help:

Traction Technologies Inc.

Email: admin@legacykeeper.app

Website: https://legacykeeper.app

Thank you for choosing Legacy Keeper to serve your clients. By using our Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement.