Terms of Service

If you do not agree to these Terms, do not use the Services. If you use the Services on behalf of an entity, you represent that you have authority to bind that entity.

• You must be at least 18 years old to create a workspace, invite others, or act as a workspace owner, partner, or advisor.
• A minor aged 13 to 17 may have a Heirloom heir account when invited by an adult family member. Children under 13 cannot be invited. Additional details are in our Privacy Policy.
• You agree to provide accurate registration information and keep it current.
• You are responsible for maintaining account credential confidentiality and device security.
• You are responsible for activity under your account unless prohibited by law.
• If you enter information about other individuals, including minor children, attorneys, accountants, or other professionals, you represent that you have authority and, where required by law, consent to do so.

Heirloom provides planning and collaboration software delivered through our website and application for family stewardship workflows, including onboarding, asset mapping, giving records, inheritance simulation, values capture, and educational draft outputs.

We may update, modify, add, remove, or discontinue features at any time, including private beta features, with or without prior notice where permitted by law.

Heirloom is not a law firm, financial advisor, tax advisor, fiduciary, broker-dealer, or trustee. Heirloom is not a substitute for an attorney. The Services and outputs are for educational and planning use only.

• No attorney-client relationship is created by use of the Services.
• Communications with Heirloom are not attorney work product and are not protected by attorney-client privilege.
• Will draft outputs are educational drafts and must be reviewed by a licensed attorney in your state before execution.
• You are solely responsible for decisions, filings, legal documents, and financial actions.
• The Services do not address community property rules (for example, in California) or forced-heirship rules (for example, in Louisiana). Consult a licensed attorney in your jurisdiction before relying on any output.

North Carolina consumers: to the extent inconsistent with North Carolina law, the warranty disclaimers in Section 12 and the arbitration provisions in Section 17 do not apply to you.

You retain ownership of content you submit. You grant Heirloom a non-exclusive license to host, process, store, and display that content solely to provide, secure, and improve the Services.

• You represent that you have rights and permissions to submit the content.
• You are responsible for invitation and permission settings in your workspace.
• Invited users may view and act on workspace data according to assigned permissions.

You agree not to:

• Use the Services for unlawful, fraudulent, or deceptive conduct.
• Attempt unauthorized access to accounts, systems, data, or APIs.
• Interfere with service operation, including security controls and rate limits.
• Reverse engineer or misuse automated access except as explicitly allowed.
• Upload malicious code or content that violates rights of others.

Some features use AI model providers to process inputs and produce outputs. When you use these features, you are interacting with an automated system.

• AI outputs may be incomplete, inaccurate, or unsuitable for your specific circumstances. You are responsible for reviewing all outputs before reliance.
• AI outputs are not a substitute for licensed legal, tax, or financial professionals.
• You must not submit information you are not authorized to share.
• AI outputs are not automated decisions about you that produce legal or similarly significant effects.

How prompt data is handled by our AI subprocessor and what we retain in our own database is described in our Privacy Policy.

The Services, including software, design, workflows, text, and trademarks, are owned by Heirloom or its licensors and protected by applicable law.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for internal planning purposes.

The Services integrate third-party providers for infrastructure, authentication, communications, billing, analytics, financial account connections, and AI processing. A named list of our material subprocessors is maintained in our Privacy Policy. Use of third-party features may also be subject to the terms and policies of those providers.

Plaid (financial account connections). When you choose to connect a bank, credit card, brokerage, or loan, we use Plaid Inc. ("Plaid") to gather your financial information directly from the institution you select. You authorize Plaid to access your financial account data on your behalf and to transmit that data to Heirloom. Bank login credentials are entered directly into Plaid Link and are never seen, received, or stored by Heirloom. Your use of Plaid is governed by the Plaid End User Services Agreement and the Plaid Privacy Policy. By using a Heirloom feature that connects a financial account, you agree that Plaid may collect, use, and share your information consistent with its policies. You can disconnect any institution at any time from Settings → Connections, which revokes our access at Plaid; see our Privacy Policy for what happens to the data we have already pulled.

Subscription billing is processed by Polar.sh. Payment card data is handled by Polar and is not stored by Heirloom.

Trial. Your 10-day trial begins on the date you provide a valid payment method. At the end of the trial, your payment method will be automatically charged the then-current subscription price disclosed at signup unless you cancel before the trial ends.

Auto-renewal. Unless you cancel, your subscription will automatically renew at the selected billing cadence (monthly or annually) at the then-current price. We will send a reminder approximately 48 hours before your trial converts to a paid subscription. For longer billing periods, we will provide renewal notice consistent with applicable law, including California Business & Professions Code §17602.

Cancellation. You may cancel at any time through your account settings. Online cancellation is available without calling, emailing, or otherwise contacting us. If you cancel before your trial ends, you will not be charged.

Refunds. Subscription fees are non-refundable once services are rendered, except as required by law. If you believe you were charged in error, contact us at hello@planheirloom.com.

This Section is intended to comply with California's Automatic Renewal Law and the federal Restore Online Shoppers' Confidence Act (ROSCA).

We may suspend or terminate access if we reasonably believe you violated these Terms, posed a security risk, or where required by law.

You may stop using the Services at any time. For information about deleting your account and what happens to your data, see the Privacy Policy. Provisions that should survive termination will remain in effect.

To the fullest extent permitted by law, the Services are provided "as is" and "as available" without warranties of any kind, express or implied.

We do not warrant uninterrupted operation, complete accuracy, or suitability for your specific legal or regulatory requirements.

To the extent inconsistent with North Carolina law, this Section does not apply to North Carolina consumers.

To the fullest extent permitted by law, Heirloom and its affiliates are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to the Services.

To the fullest extent permitted by law, Heirloom's aggregate liability for all claims relating to the Services will not exceed the greater of (a) amounts you paid us in the prior 12 months, or (b) US $100.

You agree to indemnify, defend, and hold harmless Heirloom and its affiliates from claims, liabilities, damages, and expenses arising from your use of the Services, your content, your violation of law, or your violation of these Terms.

Access to your account after your death or during incapacity is handled consistent with the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) and applicable state law. The process for fiduciary access and required documentation is described in our Privacy Policy.

Our Privacy Policy explains what we collect, how we use and share it, and your privacy rights. It also describes the product analytics opt-out available in Settings → Security. By using the Services, you acknowledge our privacy practices as described there.

Informal resolution. Before filing any formal claim, the parties agree to try in good faith to resolve the dispute informally by contacting us at hello@planheirloom.com with a written description of the dispute and the relief sought. If the dispute is not resolved within 30 days, either party may proceed with formal resolution.

Binding arbitration. If the dispute is not resolved informally, it will be resolved by binding individual arbitration to the fullest extent permitted by law, except qualifying small-claims matters.

• No class actions or class arbitration.
• No jury trial where arbitration applies.
• If part of this clause is unenforceable, the rest of the Terms remain in effect.

To the extent inconsistent with North Carolina law, this Section does not apply to North Carolina consumers.

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules, except where superseded by applicable law, including the consumer-protection laws of your state of residence.

The Services are offered from the United States and are subject to U.S. export control and sanctions laws. You represent that you are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S. sanctions, and that you are not listed on any U.S. government denied-party list. The Services may not be used by persons or in jurisdictions where use would be prohibited by applicable law.

We may update these Terms from time to time. For material changes, we will provide at least 20 days' advance notice by email or in-app notice before the changes take effect, except where applicable law requires shorter or different notice. Continued use after updated Terms become effective constitutes acceptance of the revised Terms.

Heirloom

Email: hello@planheirloom.com

Security and vulnerability reports: security@planheirloom.com