Terms Of Service

Standard Users

Effective Date: June 5, 2026

Welcome to Legacy Keeper! This Terms of Service Agreement ("Agreement") is a legal agreement between Traction Technologies Inc. / 1546045 B.C. LTD. ("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, and 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 individual users. 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, 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 information, review all AI-generated content carefully, keep your account credentials secure, use the Service only for lawful purposes, not share your credentials, and consult professionals for legal validation of estate planning documents.

2.3 What You Cannot Do

You agree not to use the Service for 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; or 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.

3.2 Working with Professional Advisors

You may work with professional advisors (such as attorneys, financial advisors, or accountants) who also use Legacy Keeper:

• Receiving an Invitation: Your professional advisor will send you an invitation to collaborate. If they create an account on your behalf, they can begin adding and accessing information for you.
• Reviewing and Accepting: If you already have an account, 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.
• Automatic Account Creation: If you do not already have an account associated with your email address, a Professional User may create and access an account on your behalf.
• Revoking Access: You can revoke your advisor's access at any time through your collaboration pages.

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, and edit existing information. You remain responsible for reviewing and approving all changes made by your professional advisors.

3.4 Data Used Off the Legacy Keeper System

Any time you share your data with a Professional User, they may export, download, or copy that data and use it outside of Legacy Keeper. Once your data is taken off the Legacy Keeper system, the Professional User is independently responsible for storing, securing, and handling that data in accordance with their own legal, regulatory, fiduciary, and professional obligations. Legacy Keeper has no control over, and is not responsible for, copies of your data held outside of our platform. You should only share data with professionals you trust, and you may wish to confirm how they will store and protect it.

3.5 Partner Service Connections (API Integrations)

Legacy Keeper offers an API and MCP integration that can connect the Service to approved partner tools, such as dashboards, financial planning tools, or CRM systems. Legacy Keeper does not offer an open or public API; every integration is individually vetted and governed by a partnership agreement.

Connections you make yourself.

If you choose to connect your account directly to an approved partner service, you take full responsibility for that connection and for how the partner service stores, secures, and uses the data you share with it. Legacy Keeper is not responsible for how a partner service you have connected handles your data. You can revoke a connection you have made at any time, directly from your dashboard.

Connections made by your advisor.

Your professional advisor may connect approved partner services they use to collaborate with you. When your advisor connects a partner service that can access your data, that service falls under your advisor's responsibility and acts as an extension of their access. We will notify you of the new connection, and you can request that your advisor revoke the partner service's access. You also retain the right to revoke your advisor's access to your account at any time, which ends any partner access derived from it.

3.6 Sharing with Family Members and Other Advisors

You can invite other Standard Users (non-professionals) to view specific information you choose to share — they cannot edit or add to it. If you want someone to help you input and edit information, they must be registered as a Professional User.

3.7 Your Responsibility When Sharing

You take full responsibility for who you share your information with. You are solely responsible for deciding who to invite and what to share, you should only share with people you trust, and you are responsible for managing permissions and revoking access. We are not liable for unauthorized access that results from you sharing your information with someone.

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.

4.2 How We Protect Your Data

• Encryption in transit: All data is encrypted using TLS (version 1.2 or higher).
• Encryption at rest: All stored data is encrypted using AES-256 encryption.
• Secure infrastructure: Your data is hosted on Amazon Web Services (AWS) with enterprise-grade security controls and network isolation.
• Access controls: Secure authentication systems protect your account, and access to identifiable data is strictly limited.
• Backups: We maintain automated, encrypted backups on a rolling 30-day cycle to protect against data loss.

4.3 How AI Works With Your Data

Legacy Keeper's AI features are powered by Amazon Bedrock.

• Foundation models: The data you provide is never used to train the underlying foundation models that power our AI. Your information is not used to train these models, is not retained by our AI provider, and is not used to improve AI services for any other party. Each interaction is processed in real time within our secure AWS environment.
• Our own service improvement: To improve our features, we may use anonymized, de-identified content for context building and internal model development. Information is anonymized so that it can no longer be associated with you, and we apply safeguards to prevent any individual's information from being reproduced. We do not use identifiable personal information to train or fine-tune our models.

4.4 We Do Not Sell or Monetize Your Data

We never sell, rent, trade, or otherwise monetize your personal information. We only share your data when (a) you explicitly authorize it; (b) it is necessary to provide the Service (such as with our secure hosting and AI providers, who are contractually bound to keep your data confidential); or (c) we are required by law.

4.5 Your Privacy Rights

You have the right to access your personal data, request corrections, request deletion, and 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 with accurate information and keep it updated. You are responsible for all activities that occur under your account.

5.2 Account Security

Choose a strong, unique password and keep it confidential. Never share your credentials. If you suspect unauthorized access, notify us immediately at general@legacykeeper.app. We recommend enabling multi-factor authentication.

6. Subscription and Payment

6.1 Free and Paid Features

Legacy Keeper offers both free features and premium features that require a paid subscription, as described on our website.

6.2 Subscription Terms

If you subscribe, you agree to pay the subscription fees in effect when you subscribe. Subscriptions renew automatically unless cancelled before the renewal date. We'll notify you of any price changes at least 30 days in advance.

6.3 Cancellation

You can cancel at any time through your account settings. Cancellation takes effect at the end of your current billing period. 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 access to premium features until payment is received. You are responsible for any applicable taxes.

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 1546045 B.C. LTD. and protected by intellectual property laws.

7.2 You Own Your Content

All the information, documents, and content you create or upload belongs to you. By using the Service, you grant us permission to store, process, and display your content solely to provide 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. 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. / 1546045 B.C. LTD. 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. We strongly encourage you to have any documents reviewed by a qualified attorney in your jurisdiction before relying on them.

8.3 Service Provided "As Is"

Legacy Keeper is provided "as is" and "as available." We cannot guarantee that the Service will always be available, error-free, or secure, or that AI-generated content will be accurate, complete, or suitable for your needs.

8.4 AI Technology 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. / 1546045 B.C. LTD. 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, including lost profits, lost data, or costs of 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 are using a free version of the Service, our liability is limited to $100.

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 (such as payment records for 7 years).

10.2 Account Data Deletion

You can delete all of your account data at any time directly from your account settings page. When you confirm deletion, your data is removed from our active systems promptly and is fully purged from all backup systems within 30 days. After this period, no copies of your deleted data remain on Legacy Keeper's systems. Please see our Data Deletion Agreement for full details.

10.3 Exporting Your Data

You can request an export of your data at any time through your account settings. We strongly recommend exporting any information you wish to retain before deleting your data.

11. Termination

11.1 Closing Your Account

You can close your account at any time. If you have a paid subscription, your subscription will be cancelled and you won't be charged again.

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 are required to by law, you don't pay required fees, or we discontinue the Service. We'll try to give reasonable notice, but 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 will be deleted in accordance with our Data Deletion Agreement. Export any information you want to keep before closing your account. Certain provisions (such as limitations of liability and dispute resolution) survive termination.

12. Changes to the Service and Terms

We may add, change, or remove features from time to time. When we make material changes to these terms, we'll notify you by email and post the updated terms. Changes take effect 30 days after we notify you. If you continue using the Service after that date, you agree to the new terms.

13. Resolving Disputes

13.1 Let's Talk First

If you have a problem with the Service, please contact us first at general@legacykeeper.app.

13.2 Arbitration

If we can't resolve a dispute informally, you agree it will be resolved through binding arbitration rather than in 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), in Portland, Oregon (for U.S. users) or Vancouver, British Columbia (for Canadian users), or remotely if mutually agreed. Each party pays their own costs unless the arbitrator decides otherwise.

13.3 No Class Actions

Disputes will be resolved on an individual basis only. If this provision is found unenforceable, the entire arbitration section will not apply.

13.4 Small Claims Court

Either party may bring a qualifying claim in small claims court instead of arbitration.

14. General Legal Terms

14.1 Which Laws Apply

This Agreement is governed by the laws of British Columbia, Canada (if you access the Service through ca.legacykeeper.app) or Oregon, United States (if you access the Service through us.legacykeeper.app), 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.

14.2 Complete Agreement

This Agreement, along with our Privacy Policy and Data Deletion Agreement, represents the complete agreement between you and Traction Technologies Inc. / 1546045 B.C. LTD. regarding the Service.

14.3 If Part of This Agreement Is Unenforceable

If a court finds any part unenforceable, the rest remains in effect, and the unenforceable part will be modified to be as close as possible to the original intent while being enforceable.

14.4 We Can't Transfer This Agreement

You cannot transfer your rights or obligations without our written permission. We may transfer our rights and obligations, including in connection with a merger or sale.

14.5 Notices

We'll send important notices to the email address on your account. Contact us at general@legacykeeper.app for notices to us. Please keep your email address current.

Professional Users

Effective Date: June 5, 2026