Terms & Conditions

Last updated: 29 September 2026 These Terms & Conditions (“Terms”) are a legally binding agreement between you and End of Life Planner, located in Budapest, Hungary (“we,” “us,” or “our”), for use of the End of Life Planner website and planner application (the “Service”). By accessing or using the Service, creating an account, paying, inviting someone, or accepting an invite, you agree to these Terms and to the Privacy Policy. If you do not agree, do not use the Service. Marketing pages, emails, and in-product copy are for explanation only. They are not warranties, professional advice, or a promise of any particular legal, medical, or estate outcome. 1. Not a will; no professional relationship The Service organizes wishes, notes, contacts, and documents. It is not a will, trust, power of attorney, advance directive, DNR, medical order, death certificate, or other legal instrument, and it does not create one. We are not a law firm, healthcare provider, covered entity, funeral director, bank, insurer, or government agency. Use of the Service does not create an attorney-client, doctor-patient, fiduciary, executor, trustee, or other professional relationship. Nothing on the Service is legal, medical, tax, insurance, or funeral-director advice. Consult qualified professionals for documents and advice that have legal or medical effect. We are not a “covered entity” or “business associate” under HIPAA. The Service is not a HIPAA-compliant platform, medical record, or privileged channel. Information you store here is not protected by medical or legal privilege because you stored it here. 2. Eligibility and audience You must be at least 18 years old, and able to form a binding contract, to create an account or purchase. The Service is designed for adults, with particular product information written for individuals in the United States. We provide the Service from Hungary. If you use it from another country, mandatory laws in your place of residence may also apply. You may use the Service for your own plan, or for another adult who has authorized you. You represent that you have that authority and that providing other people’s information (including invitee emails) is lawful. If you access a shared plan as an invitee or survivor, these Terms apply to that use as well. Sharing is not a legal transfer of authority. 3. The Service The Service may include this marketing website, optional email updates, accounts opened with Google or an email code, a paid planner, a guided checklist, an encrypted vault, trusted sharing, a check-in ladder, a calmer survivor view, optional “Tell it your way” assist, and export (including PDF and an encrypted pack). Features may appear in stages after you pay. We may change, suspend, or limit features that are not reasonably needed to provide the paid planner you bought, including for security, legal, or operational reasons. After creating an account, you can explore a read-only sample planner with fictional content. This preview does not unlock personal editing or paid features. The early-adopter purchase is a one-time fee for that purchaser’s access to the v1 planner features we list at checkout and in these Terms (checklist, vault, sharing, check-in, and export). We will not charge that purchaser again for those v1 features. We may charge other people a different price later, and we may offer new features that are not part of v1. We do not promise uninterrupted availability, a particular response time, or that email (including sign-in codes, invites, check-in reminders, or release notices) will be delivered or read. We are a small service. Do not treat the Service as a life-alert, monitoring, or emergency-dispatch system. 4. Accounts and security Access is by Google sign-in or a one-time code emailed to you. You are responsible for the Google account or email inbox, devices, and browsers you use to sign in, and for anyone who uses a sign-in code sent to you. Do not share sign-in codes. Notify us at [email protected] if you believe your account is compromised. We may refuse, limit, or close an account if we reasonably believe these Terms were violated, payment failed or was reversed, or continued access would create legal, security, or operational risk. 5. Price, payment, taxes, and refunds The price you pay is the one-time amount shown at checkout (currently an early-adopter price). Payments are processed by Polar.sh. Polar’s terms and privacy notice apply to checkout. We do not receive or store your full card number or CVV. Taxes, duties, and similar charges may apply. Polar or we may collect tax where required. You are responsible for amounts not collected at checkout if law requires you to pay them. Refunds are described in the Refund Policy, which is part of these Terms. Purchases are non-refundable once access is granted, except where required by law or for a documented billing error. A refund, if issued, revokes access. If Polar or a card network reverses a payment, we may revoke or suspend access. Chargebacks made in bad faith are a breach of these Terms. 6. License and our intellectual property We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose, subject to these Terms. We and our licensors retain all rights in the Service, including software, design, text, and trademarks. You may not copy, scrape, reverse engineer, resell, or use the Service to build a competing product, except as law prohibits us from restricting. If you send feedback or suggestions, you grant us a perpetual, worldwide, royalty-free license to use them without restriction or compensation. 7. Your content “Your Content” means plan fields, notes, uploads, invite details, and other material you or people you authorize submit. You retain whatever rights you have in Your Content. You grant us a limited license to host, transmit, encrypt, back up, display to people you invite, and otherwise process Your Content only as needed to operate, secure, and improve the Service, to comply with law, and as described in the Privacy Policy. You represent that you have the rights needed to submit Your Content and to grant that license, and that Your Content is not unlawful. You are solely responsible for its accuracy and completeness. We do not review Your Content for legal validity. Do not use the Service as a password manager. Do not store live passwords, PINs, one-time codes, full Social Security or national ID numbers, or identity-document scans unless you accept the risk. Digital-life fields are for how to find access, not the secrets themselves. We may refuse or delete content we reasonably believe is unlawful or that creates unacceptable risk, where we technically can. We cannot read ciphertext without your passphrase. 8. Vault, encryption, and passphrases When plan encryption and vault storage are in use, fields and files are encrypted on your device before upload. We store ciphertext and key-wrapping material. We do not hold your passphrase and cannot reset a lost one. We cannot decrypt Your Content without your passphrase or recovery material. That is not the same as seeing nothing. We can still process account email, payment identifiers, invite emails, sharing and check-in metadata, analytics events, error reports, and optional assist input, as described in the Privacy Policy. You are solely responsible for passphrases, recovery cards, printed copies, exported packs, and anything you show on a shared screen. If you lose them, we cannot recover the plaintext. Keep an export. 9. Sharing, invites, and check-in You may invite people and assign roles and permissions (including share-now or later access). You control access and may revoke it. Recipients see only what you grant, when the share mode allows it. Sharing is not a will, power of attorney, court appointment, or death-certificate process. Invitees have no duty to us, and we have no duty to them, beyond operating the access you configured. You represent that you may provide each invitee’s information and that our contacting them is lawful. You must tell them you have shared access. We do not determine whether someone has died. Check-in reminders, grace notices, and Release follow product rules you configure. Emails can fail. Missed check-ins are not a legal finding of death or incapacity. Do not rely on check-in as your only handover. Keep an offline export. 10. Optional AI assist If you use “Tell it your way,” we send only the text you type in that box to OpenAI so we can suggest fields. We do not send your saved plan or vault files. You must review suggestions before they become part of your plan. Assist does not draft a will or legal instrument. OpenAI’s terms apply to that request. Do not paste secrets you are unwilling to send to a third-party model provider. We do not use your plan or vault contents to train AI. 11. Acceptable use You agree not to: • Use the Service if you are under 18 • Misuse, disrupt, overload, or probe the Service, or bypass security or payment • Submit malware, spam, or automated abuse • Upload unlawful content, or content you do not have the right to store or share • Impersonate anyone, or access another person’s plan without authorization • Use the Service to provide professional legal, medical, or funeral services to the public as if we were your platform for that practice • Scrape, harvest, or resell user data We may investigate and cooperate with law enforcement where we reasonably believe it is required or appropriate. 12. Third-party services Checkout (Polar), email, hosting, databases, object storage, analytics, and optional assist are operated in part by third parties. Their terms govern their services. We are not responsible for a third party’s independent acts or outages except as these Terms and applicable law require. Links to other sites are not endorsements. A current vendor list is on our Sub-processors page. 13. Privacy Our Privacy Policy explains how we process personal information. If these Terms and the Privacy Policy conflict on a privacy topic, the Privacy Policy controls for that topic. These Terms control limitation of liability, disclaimers, eligibility, payment, and governing law. 14. Export; you must keep a copy While the Service is available, you may export a PDF and an encrypted pack. Exports, prints, and copies invitees already have are outside our control once created. We are not liable if you, or people you trust, lose those copies, share them, or fail to download them. You should download a current export at least yearly, and after material changes. Do not treat our servers as the only copy of your plan. 15. Wind-down If we discontinue the Service, we will give at least 90 days’ notice (including by email to the address on your account where we reasonably can) and keep export available during that period so you can take your data with you. After that window we may delete data as described in the Privacy Policy. We have no obligation to operate the Service indefinitely. 16. Suspension, termination, and survival You may stop using the Service at any time. You may request account deletion as described in the Privacy Policy; deletion of our copy does not erase exports or invitee copies, and we cannot recover a lost passphrase. We may suspend or terminate access immediately if you breach these Terms, if payment is reversed, or if we reasonably believe continued access would create legal or security risk. Sections that by their nature should survive (including 1, 6–8, 11, 17–22, and 24) survive termination. 17. Disclaimer of warranties THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR THAT YOUR CONTENT WILL NOT BE LOST. We do not warrant that encryption, backups, check-in, sharing, assist, or export will meet your needs or a regulator’s certification, or that a court, hospital, or funeral home will accept anything you store here. Some places do not allow certain disclaimers. In those places, we disclaim warranties only to the maximum extent allowed, and your mandatory consumer rights remain. 18. Assumption of risk You understand this is a small consumer organizer, not an estate-administration system. You assume the risk that: you or an invitee enter inaccurate information; a passphrase or recovery card is lost; an email is missed; a device is compromised; a provider fails; you do not export; or people you designate do not act. We have no duty to remind anyone beyond the product emails we actually send. 19. Limitation of liability TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR OFFICERS, CONTRACTORS, AND SUPPLIERS ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, COST OF SUBSTITUTE SERVICES, OR EMOTIONAL DISTRESS, EVEN IF ADVISED OF THE POSSIBILITY. Without limiting the previous sentence, we are not liable for estate delays, invalid documents, funeral or medical outcomes, lost inheritance, a missed check-in, an invitee’s inaction, Polar or other provider outages, or your failure to keep a passphrase or export. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM, OR IF YOU PAID NOTHING, FIFTY U.S. DOLLARS (US$50). These limits apply to any theory of liability (contract, tort, statute, or otherwise) and are an allocation of risk that makes the one-time price possible. Some places do not allow certain limits. In those places, our liability is limited to the maximum extent allowed. Nothing in these Terms limits liability that cannot be limited under applicable law (for example, liability for fraud or for death or personal injury caused by our negligence, where that cannot be waived). To the extent permitted by law, you must bring any claim within one year after it arose, or it is permanently barred. 20. Indemnification To the fullest extent permitted by law, you will indemnify and hold harmless End of Life Planner and our officers, contractors, and agents from claims, damages, losses, and reasonable legal fees arising out of: Your Content; your invites and the people you designate; your breach of these Terms; your misuse of the Service; or a claim by a family member, invitee, estate, or third party that they relied on the Service or on Your Content. We may assume control of the defense; you will cooperate. 21. Governing law; venue; individual disputes For business users, these Terms are governed by the laws of Hungary, without regard to conflict-of-law rules. If you are a consumer, you keep the mandatory protections of the law of your habitual residence that cannot be waived by contract. To the fullest extent permitted by law, business-user disputes must be brought on an individual basis and not as a class, collective, coordinated, or representative action. Nothing in these Terms requires a consumer to waive a procedural protection that cannot lawfully be waived. Except where mandatory law gives a consumer another forum, the courts with jurisdiction in Budapest, Hungary have exclusive jurisdiction over business-user disputes, and each business user consents to that jurisdiction. 22. Changes We may update these Terms by posting a revised version on this page and changing the date above. Material changes take effect when posted, or on a later date we state. Where permitted, continued use after the effective date constitutes acceptance. If you do not agree, stop using the Service and export your data. If a change requires additional notice under law, we will provide it (including by email to the address on your account when appropriate). 23. Assignment; business transfers You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, financing, or sale of assets, or by operation of law. These Terms bind permitted successors. 24. Miscellaneous These Terms and the Privacy Policy are the entire agreement between you and us about the Service. They supersede prior terms for the Service. If a provision is unenforceable, the rest remains in effect, and the unenforceable part is modified to the minimum extent needed to be enforceable. A failure to enforce a provision is not a waiver. We are not liable for delay or failure caused by events beyond our reasonable control, including provider outages, network failures, labor issues, or legal process. Notices to you may be sent to the email on your account or posted on the Service. Notices to us: [email protected]. No third-party beneficiaries, except that our officers, contractors, and suppliers may rely on sections 17–20. Headings are for convenience only. “Including” means “including without limitation.” 25. Contact Support: [email protected] Privacy: [email protected]