Terms & Conditions

1. WHO WE ARE AND WHAT THIS DOCUMENT IS

1.1 These terms are a contract between you and Inherit Vault Ltd, a company registered in England and Wales ("Inherit Vault", "we", "us"). Inherit Vault Ltd is registered in England and Wales, company number 17403417, registered office Suite A, 82 James Carter Road, Mildenhall, Suffolk, IP28 7DE.

1.2 They govern your use of the Inherit Vault service: an encrypted digital vault in which you may store information and instructions, with arrangements for its controlled disclosure to people you nominate, following your death or in other circumstances you configure, subject to our verification processes (the "Service"). 1.3 By creating an account you accept these terms. If you do not accept them, do not use the Service.

2. WHAT THE SERVICE IS, AND WHAT IT IS NOT

2.1 The Service stores information. It does not hold, custody, control, or transfer money, securities, cryptoassets, or any other property. Anything described in your vault remains wherever, and whoever's, it was. Access to information stored in a vault confers no ownership of, or entitlement to, any underlying asset.

2.2 We are not a law firm, will-writing service, probate practitioner, financial adviser, tax adviser, trust company, or bank, and nothing in the Service is legal, financial, or tax advice. Storing instructions in a vault does not create, amend, or revoke a will and does not override the law governing your estate. Your estate will be distributed according to applicable law and any valid will, regardless of what your vault contains. 2.3 We are not regulated by the Financial Conduct Authority and the Service is not a regulated financial service. 2.4 We may add, change, improve, or withdraw individual features of the Service at any time, provided the core service described in clause 1.2 is not materially degraded during your paid subscription period. For this purpose, a change is "material" if it removes a capability that is central to storing, protecting, or disclosing vault contents as described in clause 1.2, judged objectively and not solely by reference to our own assessment. 2.5 Where your vault describes cryptoassets, digital wallets, seed phrases, private keys, or similar, the Service stores that information only. It does not create, custody, transact in, or express any opinion on the value, security, or legal status of any cryptoasset. Cryptoassets are volatile and largely unregulated in the United Kingdom; nothing in the Service is investment advice, and storing information about a cryptoasset does not improve, guarantee, or restore your, or a nominated person's, ability to access or recover it. Loss of access to a wallet, exchange account, or cryptoasset caused by factors outside the Service (including third-party platform failure, network or protocol issues, or the asset's own volatility) is not our responsibility.

3. YOUR ACCOUNT

3.1 You must give us accurate information and keep it up to date, and you must be at least 18 and legally capable of entering this contract.

3.2 You are responsible for keeping your password, two-factor device, recovery key, and any other credentials secure, and for everything done through your account. Tell us immediately at the contact address below if you believe your account is compromised. 3.3 You must not use the Service in breach of any applicable sanctions regime or financial crime law, and you confirm that neither you nor, so far as you are aware, anyone you nominate is subject to UK, EU, or US sanctions. We may suspend or terminate your account without liability to you where we reasonably believe this clause has been breached, or where we are required to do so by law or by a competent authority.

4. ENCRYPTION AND ITS CONSEQUENCES: PLEASE READ CAREFULLY

4.1 Vault contents are encrypted such that we cannot read them. This is a deliberate design feature, and it has a consequence you must understand and accept: if you lose all of your credentials and every recovery route we make available also fails or is unavailable, your vault contents may be permanently and irretrievably lost. To the fullest extent permitted by law, we are not liable for loss of access to, or loss of, vault contents arising from your own loss of credentials or recovery materials, or your own failure to complete a recovery route we make available.

4.2 This clause 4 does not exclude our liability for loss caused by our own negligent design, implementation, or operation of a recovery route we provide; liability of that kind is dealt with under clause 12 (Our Liability) in the ordinary way, and is not excluded by clause 4.1. 4.3 Account and content recovery processes, where available, depend on identity verification and human review, may take time, and may be refused if verification fails. We may decline recovery where we are not reasonably satisfied of the requester's identity or entitlement, and we are not liable for the consequences of a refusal made in good faith.

5. YOUR CONTENT

5.1 Everything you store remains yours. You grant us the limited licence necessary to store, transmit, back up, and process it (in encrypted form) to provide the Service.

5.2 You must not store or transmit material that is unlawful for you to hold or share, that infringes another person's rights, or that you are not entitled to store. You are solely responsible for the accuracy, lawfulness, and currency of your content, including the consequences for the people who will eventually read it. 5.3 We cannot inspect encrypted content, but we may suspend or terminate accounts, and may cooperate with competent authorities, where we are put on notice of unlawful use or are required to act by law or court order.

6. NOMINATED PERSONS AND DISCLOSURE

6.1 It is your responsibility to nominate the right people, keep nominations current, and tell your nominated persons what you expect of them. We are entitled to treat your current nominations and settings as your instructions.

6.2 Disclosure of vault contents follows our verification process, which may include the checking of documents (such as death certificates) and the identity of the persons requesting access, and human review. We do not guarantee how long verification and disclosure will take. 6.3 We may rely in good faith on documents and information that reasonably appear to be genuine. Provided we follow our process in good faith and with reasonable care, we are not liable for disclosure to a person who is later shown not to have been entitled, nor for delay or refusal caused by verification, suspected fraud, disputes among interested persons, or legal process. 6.4 We may pause or decline any disclosure where we reasonably suspect fraud, where the entitlement to access is disputed, or where a court order or other legal obligation requires it. 6.5 On your death, we will continue to operate the disclosure process you configured, dealing with your personal representatives and nominated persons as described in this clause 6.

7. FEES AND SUBSCRIPTIONS

7.1 Prices, billing frequency, and payment methods are as presented when you subscribe. Subscriptions renew automatically until cancelled.

7.2 We may change prices with at least 30 days' notice, effective from your next billing period; if you do not accept a change you may cancel before it takes effect. 7.3 If a payment fails we may retry it and notify you. If payment is not made we may, after a reasonable grace period, suspend the Service and ultimately terminate under clause 8. We will not exercise suspension in a way designed to defeat a disclosure process already properly commenced under clause 6. 7.4 If you contract with us as a consumer you may have a statutory right to cancel within 14 days of subscribing. By requesting immediate access to the Service you acknowledge that if you cancel within that period we may deduct an amount proportionate to the service already supplied. Statutory refund rights are not affected.

8. TERMINATION, DORMANCY AND RETENTION

8.1 You may stop using the Service and cancel your subscription at any time; cancellation takes effect at the end of the paid period. We do not refund any part of a period already started: the Service remains available to you until that period ends. This does not affect your statutory rights, clause 7.4, or clause 8.2.

8.2 We may suspend or terminate your account for material breach of these terms, unlawful use, or non-payment, and (on reasonable notice) if we withdraw the Service, in which case we will refund any unused part of a prepaid period. 8.3 We will not delete, or render inaccessible, the vault of an account with an active paid subscription on grounds of inactivity, however long you have not signed in. This commitment continues for as long as your subscription remains paid and active. 8.4 Never-activated vaults and dormant free accounts. If you create a vault but never start a subscription for it, and you do not sign in for 30 days, we may delete that vault and its contents, after first emailing a warning to your registered address at least 7 days beforehand. Your account login itself is not closed by this. Where we delete a never-activated vault in this way, we keep a limited record of your name and contact details, and the fact that you once held a vault, so that we can tell you if you would like to start again or let you know about a relevant offer. The vault contents themselves are deleted, not kept. We hold that record for no more than 24 months from the deletion, every such message carries a one-click unsubscribe, and you can opt out at any time by emailing support@inheritvault.com, after which we erase it. Separately, this clause applies to an account without an active paid subscription. If such an account shows no sign-in for a continuous period of 24 months, we may treat it as dormant. Where reasonably practicable we will give notice to your last known contact details first; we may then close the account and delete, or irreversibly render inaccessible, its contents in accordance with our data retention practices, without further liability to you. Closing a dormant account does not itself trigger disclosure to nominated persons. 8.5 Retention after death. Once we have confirmed your death and completed, or made good-faith attempts to complete, the disclosure process under clause 6, we will retain your account and vault contents for 7 years from the date your death was confirmed. This period exists to support any outstanding or later-arising request from a nominated person, executor, or your estate, and to allow us to defend or pursue any claim connected with the Service. After that period we may delete or irreversibly render inaccessible the vault contents. This clause does not itself entitle a nominated person to access beyond what clause 6 provides. 8.6 What happens to your data on closure, deletion, or prolonged non-payment, beyond what clauses 8.3 to 8.5 already set out, is described in our Privacy Policy and communicated retention practices. 8.7 If we cease to trade or become subject to insolvency proceedings, we will, so far as reasonably practicable and permitted by law, give you reasonable notice and a reasonable opportunity to export or download your vault contents before the Service closes. This clause does not guarantee any minimum period of continued access, and our ability to comply with it may be limited by the insolvency process itself.

9. DATA PROTECTION

We process personal data as described in our Privacy Policy and in accordance with UK data protection law, including UK GDPR.

10. SERVICE STANDARDS AND AVAILABILITY

10.1 We will provide the Service with reasonable care and skill. We do not promise the Service will be uninterrupted or error-free; maintenance, technical failure, and events outside our reasonable control may cause downtime.

10.2 Nothing in these terms affects your statutory rights, including those under the Consumer Rights Act 2015.

11. SECURITY INCIDENTS

11.1 We maintain administrative, technical, and organisational measures designed to protect the Service and its infrastructure, appropriate to the sensitivity of what it stores. No system is completely secure, and we do not guarantee that unauthorised access, a security incident, or a data breach will never occur.

11.2 Because vault contents are encrypted such that we cannot read them (clause 4.1), a breach of our infrastructure does not, of itself, expose the substance of your vault contents to us or to an attacker without your own credentials also being compromised. 11.3 If a security incident affecting your personal data occurs, we will act in accordance with our Privacy Policy and applicable law, including notifying you and, where required, the Information Commissioner's Office, without undue delay. 11.4 Subject to clause 12.1, our liability arising from a security incident is limited in the same way, and to the same extent, as our liability generally under clause 12.

12. OUR LIABILITY

12.1 Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded or limited.

12.2 Subject to clause 12.1, we are not liable for: (a) loss of the kind described in clause 4.1 (and not falling within clause 4.2); (b) losses arising from inaccurate, incomplete, or outdated content or nominations you provided; (c) acts and omissions of your nominated persons or other third parties; (d) indirect or consequential loss, loss of profit, or loss of opportunity; (e) events outside our reasonable control; (f) acts, omissions, downtime, or failure of third-party providers we rely on to deliver the Service, such as payment processors, cloud infrastructure, or communications providers, except to the extent caused by our own failure to exercise reasonable care in selecting or overseeing them. 12.3 Subject to clauses 12.1 and 12.2, our total liability to you arising out of or in connection with the Service in any 12-month period is limited to the greater of the fees you paid us in that period and £100.

13. YOUR INDEMNITY TO US

13.1 You will compensate us for any loss, liability, cost, or expense, including reasonable legal fees, that we suffer as a result of: (a) your breach of these terms; (b) content you store or transmit that is unlawful, infringes another person's rights, or that you were not entitled to store; (c) your fraud or wilful misconduct; or (d) a claim brought against us by a third party, including a nominated person, arising from any of the above.

13.2 This clause 13 does not apply to the extent a loss arises from our own breach of these terms, negligence, or wilful default. 13.3 Our right to be compensated under this clause 13 is limited to our reasonable, directly caused loss, evidenced to a reasonable standard, and does not extend to indirect or consequential loss.

14. FORCE MAJEURE

14.1 Neither party is liable for any failure or delay in performing its obligations under these terms, other than your obligation to pay, caused by events beyond its reasonable control, including acts of God, war, pandemic, industrial action, or failure of internet, telecommunications, or third-party infrastructure, provided the affected party notifies the other as soon as reasonably practicable and uses reasonable efforts to mitigate the effect.

14.2 This clause does not extend, and is not a substitute for, the assumption of risk you accept under clause 4.1 for your own lost credentials or recovery materials.

15. GENERAL

15.1 We may update these terms; material changes will be notified with reasonable notice and, where required, your renewed acceptance will be requested. The version you accepted, and when, is recorded.

15.2 If any part of these terms is found unenforceable, the rest continues in force. A failure to enforce a right is not a waiver of it. 15.3 We may assign this agreement to a successor of our business; you may not assign it. No third party has rights under this agreement (Contracts (Rights of Third Parties) Act 1999), and a nominated person acquires no rights unless and until disclosure to them is granted under clause 6. 15.4 These terms are governed by the law of England and Wales. Disputes are subject to the jurisdiction of the courts of England and Wales, save that: (a) consumers resident elsewhere in the UK may bring proceedings in their local courts; and (b) if you are a consumer habitually resident outside the United Kingdom, this clause does not deprive you of the protection of any mandatory provisions of the law of your country of residence that cannot be excluded by agreement.

16. CONTACT

Inherit Vault Ltd, Suite A, 82 James Carter Road, Mildenhall, Suffolk, IP28 7DE, support@inheritvault.com.

Questions? Contact support@inheritvault.com.