LifeAccount is a secure depository — not a law firm, financial advisor, or healthcare provider. Nothing on this platform constitutes legal, financial, or medical advice. Storing documents here does not make them legally valid. Consult qualified professionals for those decisions.
By creating an account or using LifeAccount (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.
These Terms form a legally binding agreement between you and LifeAccount (“LifeAccount,” “we,” “us,” or “our”), a digital vault and life planning service based in the United States.
When you create your account, you are required to check three separate acknowledgments confirming (a) your age and U.S. residency, (b) your agreement to these Terms and our Privacy Policy, and (c) your understanding that LifeAccount is a secure depository — not a law firm, financial advisor, or healthcare provider. These acknowledgments are recorded permanently with timestamp, IP address, and the exact version of each document agreed to.
LifeAccount is a private digital vault platform that helps you organize, store, and selectively share important personal information with designated individuals.
The Service includes nine secure vaults, executor designation, Inner Circle sharing, Grace (AI on Ultra), Time Capsule and Letter Vault, optional partner advisor referrals, and subscription management.
LifeAccount is not a law firm, financial advisor, estate planning service, healthcare provider, or insurance broker. Nothing on this platform constitutes legal, financial, medical, tax, or insurance advice. Documents stored here have no legal force by virtue of being stored. You must consult qualified professionals.
LifeAccount is a depository. We hold information you give us, securely, and release it to the people you have explicitly designated when the conditions you have set are met. We do not act on your behalf or create legal documents.
You must be at least 18 years old to use LifeAccount, with the legal capacity to enter into a binding agreement.
LifeAccount is currently offered only to residents of the United States. If we learn a member is not a U.S. resident, we reserve the right to close their account, with reasonable notice and an opportunity to export.
To use most features, you must create an account. You agree to:
Paid subscriptions are billed in advance. By providing payment information, you authorize recurring charges until you cancel.
For California residents: your subscription auto-renews at the then-current rate. Cancel any time at Settings → Cancel subscription. Opt out of auto-renewal by emailing [email protected]. California residents are entitled to protections under the California Automatic Renewal Law.
Cancel any time from account settings. Cancellation takes effect at the end of your current billing period. We do not offer refunds for partial billing periods of Standard or Ultra plans.
$997 one-time for lifetime Ultra access. Subject to a 30-day refund window — after 30 days, non-refundable. “Lifetime” means as long as LifeAccount operates (see Section 15, Forever Promise).
If payment fails, we notify you and retry. If not resolved within 14 days, your account may be downgraded to Free. We will not delete content as a result of a failed payment.
You retain full ownership of all content you put in LifeAccount (“Your Content”). We claim no ownership rights.
You grant LifeAccount a limited, non-exclusive, worldwide license to store, process, display, and transmit Your Content solely to provide the Service.
You are solely responsible for the accuracy, legality, and appropriateness of Your Content. We do not verify or review your vault contents. Storing a document does not make it legally valid.
We are not a backup service. Maintain your own copies of critical legal documents in their original signed form.
Grace is an AI companion on Ultra and Founding Member plans, with a limited procedural-only version on Minimum and Standard.
LifeAccount is a depository for the information you store. We do not act as your estate’s administrator or arbitrate authority decisions. Those belong to you, your family, your attorney, and — where applicable — the probate court.
You alone choose your executor and trusted contacts. You alone decide what they may access, when, and under what conditions. It is your responsibility to discuss this with them and make sure they know they have been designated.
We are not responsible if your designated executor is unaware of their role, unable to act, unwilling to act, or unreachable.
When you pass, your designated executor is responsible for initiating access. We will not initiate this process on our own; we do not monitor obituaries or public death records.
To activate, your executor: (1) contacts us, (2) provides a death certificate, (3) provides identity verification, (4) confirms intent to administer your account per your stored instructions.
We initiate a 30-day waiting period during which we attempt to reach the account holder and verify the executor’s identity. If no response and documentation checks out, executor access activates at the end of the window.
Designating someone in LifeAccount does not grant them legal authority to administer your estate. Legal authority comes from your will and the probate court.
Inner Circle lets you connect with other LifeAccount members for selective sharing.
Members see your name, general location, and that you have an account. They do not see vault content unless you explicitly share it.
Being in someone’s Inner Circle does not grant legal authority, executor status, or healthcare proxy rights.
Sharing is granular and revocable. Once shared and viewed, view history cannot be erased — we cannot un-see something.
You may leave any Circle at any time, with either notified or silent exit. Every action is logged in an immutable audit record.
From time to time we work with carefully chosen partner advisors. Some partners share common ownership, leadership, or material connections with LifeAccount; others are independent. The specific nature of any connection is disclosed at the moment of any referral.
We never share your information with a partner unless you have given specific, explicit consent for that specific partner, for that specific purpose. Until you confirm, nothing is sent.
You may revoke any consent at any time in Settings → Consent & sharing. We notify the partner and stop further sharing.
Once a partner receives your information, they operate under their own privacy policies. LifeAccount is not responsible for their conduct.
LifeAccount partners with multiple third-party companies. Our relationships vary:
We disclose the specific nature of our relationship with each partner at the moment you are offered a referral.
You are never required to use any LifeAccount partner. You may always use any provider you prefer.
These disclosures comply with the Federal Trade Commission’s Endorsement Guides.
By creating an account, you consent to transactional emails (welcome, sign-in alerts, billing, delivery confirmations, re-acknowledgment prompts). These cannot be turned off while your account is active.
You may opt into or out of occasional emails (birthday note, annual review check-in, partner referral confirmations, product updates) at any time in Settings → Consent & sharing.
You agree not to use the Service to:
All content, designs, code, trademarks, and materials — excluding Your Content — are owned by LifeAccount. “LifeAccount” and related logos are our trademarks.
If LifeAccount ceases operations for any reason, we commit to:
Your data is yours. It is not a company asset to be sold, transferred, or repurposed in any merger, acquisition, or wind-down.
This commitment is contractual and survives any transfer of LifeAccount’s ownership. Any successor entity is bound by it.
Information about your healthcare wishes, medical history, organ donation, healthcare proxy, or DNR preferences stored in LifeAccount is not a legally binding Advance Healthcare Directive in your state.
For your wishes to be legally enforceable by hospitals and physicians, you must complete a state-specific Advance Healthcare Directive with witnesses or notarization per your state’s law. LifeAccount helps you organize these documents but does not create, execute, or substitute for them.
We are not a HIPAA covered entity. We treat medical information as sensitive personal information subject to additional protections as described in our Privacy Policy.
You may designate a Trusted Contact — a person we can reach if we have reason to believe you are experiencing diminished capacity or financial exploitation. The Trusted Contact does not have account access; their role is to be reachable.
If we receive a credible report from an executor, Trusted Contact, family member, healthcare provider, court, or adult protective services, we may temporarily freeze high-risk actions, require POA documentation, refer to Adult Protective Services, or decline instructions we believe result from coercion or capacity loss.
These measures are protective only. LifeAccount is not a fiduciary, social worker, or government agency.
If you believe content stored in LifeAccount infringes your copyright, send notice to [email protected] with the information required by 17 U.S.C. § 512(c)(3). We respond per DMCA procedures.
Beta or preview features are provided as-is, may be modified or removed without notice, and are not subject to the same service-level commitments as the core Service.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND.
LIFEACCOUNT DOES NOT PROVIDE LEGAL, FINANCIAL, MEDICAL, TAX, OR INSURANCE ADVICE. NOTHING ON THIS PLATFORM CONSTITUTES PROFESSIONAL ADVICE. ALWAYS CONSULT A QUALIFIED PROFESSIONAL.
We do not warrant uninterrupted, error-free, or secure operation; accuracy or appropriateness of Grace’s AI outputs; executor activation timing; or partner advisor performance.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIFEACCOUNT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF DATA, LOSS OF PROFITS, OR DAMAGES ARISING FROM AI CONTENT, EXECUTOR ACCESS, INNER CIRCLE DISPUTES, PARTNER ADVISORS, OR SERVICE INTERRUPTIONS.
OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.
You agree to indemnify, defend, and hold harmless LifeAccount and its officers, directors, employees, and agents from claims, damages, liabilities, and costs (including reasonable attorneys’ fees) arising from your use of the Service, Your Content, your violation of these Terms or applicable law, actions taken by persons you designated, and reliance you or your family place on information stored in or generated by LifeAccount.
By you: Close your account via Settings → Delete my account or by emailing [email protected]. Subject to a 30-day grace period.
By us: We may suspend or terminate your account for violations or as required by law, with notice where reasonably practicable.
Sections 6, 10, 11, 14, 15, 20, 21, 22, and 24 survive termination.
These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law principles.
Before any legal claim, you agree to contact us and attempt to resolve the dispute informally for 30 days.
If unresolved, disputes are settled through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration takes place in Wyoming or, at your election, by video conference. You waive your right to a jury trial and to participate in a class action.
You have the right to opt out of arbitration within 30 days of creating your account by sending written notice to [email protected].
We may update these Terms at any time. For material changes, we will notify you by email at least 30 days before changes take effect, update the version number, and require re-acknowledgment on your next sign-in.
Minor changes (formatting, spelling) may be posted with only a date update.
Entire agreement: These Terms plus our Privacy Policy constitute the entire agreement between you and LifeAccount.
Severability: If any provision is found unenforceable, the remaining provisions continue in full effect.
Assignment: You may not assign your rights under these Terms without our consent. We may assign to a successor entity, subject to the Forever Promise in Section 15.
Force majeure: LifeAccount is not liable for failures caused by events outside our reasonable control.
LifeAccount
30 N Gould St Ste 43019
Sheridan, WY 82801
United States
[email protected]