Terms of Service

ASSETLY TERMS OF SERVICE

Last Updated: July 16, 2026

PLEASE READ THESE TERMS CAREFULLY. THEY REQUIRE MOST DISPUTES TO BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION AND INCLUDE A CLASS ACTION AND JURY TRIAL WAIVER (SECTION 17). THEY ALSO LIMIT ASSETLY’S LIABILITY TO YOU (SECTIONS 14–15). NOTHING IN THESE TERMS PREVENTS YOU FROM BRINGING A CLAIM AGAINST ASSETLY WHERE APPLICABLE LAW DOES NOT PERMIT SUCH A WAIVER; SECTION 18 EXPLAINS HOW THESE TERMS APPLY IF YOU ARE LOCATED IN THE UNITED STATES, INDIA, CANADA, OR THE UNITED ARAB EMIRATES.

1. Acceptance of These Terms

These Terms of Service (“Terms”) form a binding legal agreement between you and [Assetly Legal Entity Name], a Delaware corporation to be designated upon incorporation (“Assetly,” “we,” “us,” or “our”), governing your access to and use of the Assetly website, mobile and web applications, and related services (collectively, the “Service”). By creating an account, clicking “I agree,” or otherwise accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not access or use the Service.

If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to that organization as well as you individually.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding contract in your jurisdiction of residence to use the Service. The Service is currently offered to residents of the United States, India, Canada, and the United Arab Emirates, and may be made available in other jurisdictions from time to time. By using the Service, you represent that you meet these requirements and that your use of the Service does not violate any law applicable to you.

3. What Assetly Is — and What It Is Not

3.1 Description of the Service

Assetly allows you to store information about your financial accounts, digital assets, personal records, and other information you consider part of your “legacy” (“Content”), to designate individuals who may receive some or all of that Content (“Recipients”), and to configure an inactivity-based mechanism (the “Inactivity Trigger”) that is intended to notify and grant access to Recipients if you do not interact with the Service for a period of time that you configure.

3.2 IMPORTANT: ASSETLY IS NOT A LAW FIRM, WILL, TRUST, ESTATE PLAN, CUSTODIAN, BANK, TRUST COMPANY, FIDUCIARY, ESCROW AGENT, OR LICENSED FINANCIAL OR LEGAL SERVICE PROVIDER.

USE OF THE SERVICE DOES NOT CREATE A FIDUCIARY, ATTORNEY-CLIENT, OR ADVISORY RELATIONSHIP OF ANY KIND. THE SERVICE DOES NOT TRANSFER LEGAL TITLE OR OWNERSHIP OF ANY ASSET, DOES NOT SUBSTITUTE FOR A VALIDLY EXECUTED WILL, TRUST, POWER OF ATTORNEY, OR OTHER ESTATE-PLANNING INSTRUMENT UNDER THE LAWS OF YOUR JURISDICTION, AND MAY NOT BE RECOGNIZED BY COURTS, BANKS, OR OTHER INSTITUTIONS AS AUTHORIZATION TO ACT ON YOUR BEHALF OR ON BEHALF OF YOUR ESTATE. YOU SHOULD OBTAIN INDEPENDENT LEGAL, FINANCIAL, AND TAX ADVICE FROM QUALIFIED PROFESSIONALS LICENSED IN YOUR JURISDICTION (AND, WHERE YOUR CIRCUMSTANCES SPAN MULTIPLE COUNTRIES, IN EACH RELEVANT JURISDICTION) REGARDING ESTATE PLANNING, INHERITANCE, SUCCESSION, AND TAX MATTERS. ASSETLY IS A TOOL FOR ORGANIZING AND DELIVERING INFORMATION; IT IS NOT A SUBSTITUTE FOR PROPER LEGAL ESTATE PLANNING.

You acknowledge that succession, inheritance, and forced-heirship laws vary significantly by jurisdiction (including, without limitation, differing rules under U.S. state law, Indian personal succession laws, Canadian provincial law, and UAE federal and Sharia-influenced succession law) and that delivery of Content through the Service has no bearing on who is legally entitled to your assets.

4. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to provide accurate, current, and complete information and to keep it updated, including the contact details of any Recipients. Assetly is not responsible for any loss arising from your failure to safeguard your credentials or to keep your account information current.

5. The Inactivity Trigger

The Inactivity Trigger relies on signals you configure (such as elapsed time since login, responses to check-in prompts, or other indicators) to estimate whether you are able to access the Service. This is a best-efforts, automated feature and is not, and cannot be, a guarantee of your actual status.

You acknowledge and agree that:

• Assetly cannot verify with certainty whether you are alive, incapacitated, unreachable, or simply not using the Service, and the Inactivity Trigger may activate incorrectly (falsely triggering release while you are alive and reachable) or may fail to activate, or activate late (failing to release Content when you intended);

• delivery of Content to Recipients may be delayed, accelerated, incomplete, duplicated, or not occur at all due to technical failure, incorrect configuration, incorrect or outdated Recipient information, third-party service outages, or other causes outside Assetly’s reasonable control;

• you are solely responsible for configuring the Inactivity Trigger, testing it to your own satisfaction, and periodically reviewing your settings and Recipient information; and

• Assetly strongly recommends that you inform at least one trusted person outside the Service of your use of Assetly as a backup, and that you do not rely on the Service as your sole means of ensuring information reaches your loved ones.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ASSETLY DISCLAIMS ALL LIABILITY FOR ANY PREMATURE, DELAYED, ERRONEOUS, OR FAILED OPERATION OF THE INACTIVITY TRIGGER AND FOR ANY RESULTING DISCLOSURE OR NON-DISCLOSURE OF CONTENT.

6. Recipients and Third-Party Information

When you add a Recipient, you represent that you have the legal right and any necessary consent to provide Assetly with that person’s contact information for the purpose of the Service. Assetly does not independently verify the identity, capacity, or entitlement of any Recipient beyond the information you provide, and is not responsible for disputes among Recipients, family members, heirs, or other third parties regarding entitlement to or the content of released information. You are solely responsible for deciding what Content to share and with whom.

7. Your Content and License to Assetly

You retain ownership of the Content you upload. You grant Assetly a limited, non-exclusive, worldwide license to host, store, encrypt, process, transmit, and display your Content solely as necessary to provide and improve the Service, including through the AI-assisted features described in Section 8, and to deliver Content to Recipients in accordance with your configuration and these Terms. You represent that you have all rights necessary to upload and share your Content and that doing so does not infringe or violate any third party’s rights.

8. AI-Assisted Features

The Service may use artificial intelligence or machine-learning tools, including tools operated by third-party providers, to help you organize, categorize, summarize, or enter Content. AI-generated suggestions may be inaccurate, incomplete, or inappropriate for your circumstances. You are solely responsible for reviewing, verifying, and correcting any AI-assisted output before relying on it. Assetly disclaims all liability for errors, omissions, or consequences arising from AI-assisted features.

9. Fees and Subscriptions

Assetly offers a free tier and one or more paid subscription tiers with additional features. Paid subscriptions automatically renew for successive periods at the then-current price unless cancelled before the renewal date through your account settings. You authorize Assetly and its payment processors to charge your chosen payment method for all applicable fees. Except where required by applicable law (including certain consumer-protection rights described in Section 18), fees are non-refundable, including for partial subscription periods, unused features, or early cancellation. Assetly may change its fees prospectively upon notice.

10. Acceptable Use

You agree not to: (a) use the Service for any unlawful purpose or in violation of these Terms; (b) upload Content that is unlawful, infringing, or that you do not have the right to share; (c) attempt to gain unauthorized access to any account, system, or network related to the Service; (d) reverse engineer, decompile, or attempt to extract the source code of the Service except as permitted by law; (e) use automated means to access the Service without authorization; or (f) interfere with or disrupt the integrity or performance of the Service.

11. Intellectual Property

The Service, including its software, design, trademarks, and content (excluding your Content), is owned by Assetly or its licensors and is protected by intellectual property laws. Except for the limited rights expressly granted to you to use the Service, no rights are granted to you by implication or otherwise.

12. Third-Party Services

The Service may integrate with or link to third-party services (including payment processors, cloud hosting, analytics, and AI providers). Assetly is not responsible for the acts, omissions, availability, or content of third-party services, and your use of them is subject to their own terms and privacy policies.

13. Suspension and Termination

You may close your account at any time through your account settings. Assetly may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms, created risk or legal exposure for Assetly, or for any other reason at our discretion, including discontinuation of the Service. Upon termination, your right to use the Service ceases; provisions of these Terms that by their nature should survive termination (including Sections 14 through 22) will survive.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. ASSETLY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT THE INACTIVITY TRIGGER, DATA STORAGE, OR DELIVERY OF CONTENT WILL OPERATE AS INTENDED IN EVERY CASE. NO ADVICE OR INFORMATION OBTAINED FROM ASSETLY CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (A) ASSETLY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING ANY FAILURE, DELAY, OR ERROR OF THE INACTIVITY TRIGGER, LOSS OF ENCRYPTION KEYS OR CREDENTIALS, UNAUTHORIZED ACCESS TO OR DISCLOSURE OF CONTENT, OR DISPUTES AMONG RECIPIENTS OR THIRD PARTIES, EVEN IF ASSETLY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) ASSETLY’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (I) THE TOTAL FEES YOU PAID TO ASSETLY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) ONE HUNDRED U.S. DOLLARS (USD $100). THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH A CLAIM IS BASED (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED AS A MATTER OF LAW, SUCH AS LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, OR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, WHERE AND TO THE EXTENT SUCH EXCLUSION IS PROHIBITED BY APPLICABLE LAW.

16. Indemnification

You agree to indemnify, defend, and hold harmless Assetly and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) your Content or your Recipient designations; (c) your violation of these Terms or applicable law; or (d) any dispute between you and any Recipient or other third party relating to Content delivered through the Service, in each case to the extent permitted by applicable law.

17. Dispute Resolution; Binding Arbitration; Class Action Waiver

17.1 Informal Resolution First

Before filing a claim, you agree to try to resolve the dispute informally by contacting contact@assetly.life and describing the issue. Most concerns can be resolved this way. If a dispute is not resolved within 60 days, either party may proceed as set out below.

17.2 Agreement to Arbitrate

Except where prohibited by applicable law or as set out in Section 18, you and Assetly agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration on an individual basis, rather than in court, administered by a recognized arbitral institution (such as the American Arbitration Association under its Consumer Arbitration Rules for U.S. users, or an equivalent institution for users elsewhere) and conducted in English. The arbitrator’s decision will be final and binding, subject to limited judicial review as permitted by applicable arbitration law. Either party may bring an individual claim in small claims court instead of arbitration if it qualifies.

17.3 Class Action and Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND ASSETLY EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS. WHERE APPLICABLE LAW DOES NOT PERMIT A CLASS OR JURY TRIAL WAIVER FOR A PARTICULAR CLAIM, THAT WAIVER WILL NOT APPLY TO THAT CLAIM, AND THE REMAINDER OF THIS SECTION WILL CONTINUE TO APPLY TO THE EXTENT PERMITTED.

17.4 Right to Opt Out (U.S. Users)

If you are a U.S. resident, you may opt out of the arbitration agreement and class action waiver in this Section 17 by sending written notice to contact@assetly.life within 30 days of first accepting these Terms, stating your name, account email, and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the courts described in Section 19, and you will not be bound by the class action waiver in Section 17.3 with respect to those courts (though you remain bound by all other provisions of these Terms).

18. Jurisdiction-Specific Terms

Nothing in these Terms is intended to, or does, override any consumer-protection, data-protection, or other statutory right that applicable law does not permit you to waive. Where a provision of these Terms conflicts with a mandatory law of your jurisdiction, that provision applies only to the extent permitted, and the remainder of these Terms remains in effect. Without limiting the foregoing:

18.1 United States

If you reside in California or another state with an automatic-renewal disclosure law, Assetly will provide the disclosures and cancellation mechanisms required by that law before charging you. The arbitration opt-out described in Section 17.4 applies to U.S. residents.

18.2 India

These Terms are intended to operate consistently with the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020, the Information Technology Act, 2000 and rules made thereunder, and the Arbitration and Conciliation Act, 1996. Nothing in Section 17 limits any right you have under Indian law to approach a consumer forum or other authority where such right cannot lawfully be waived by agreement. Assetly’s grievance officer for India is identified in the Privacy Policy.

18.3 Canada

If you reside in Quebec or another Canadian province whose consumer-protection legislation restricts or prohibits mandatory arbitration clauses or class action waivers in consumer contracts (for example, section 11.1 of Quebec’s Consumer Protection Act), the arbitration agreement and class action waiver in Section 17 do not apply to you to the extent of that restriction, and disputes will instead be resolved in accordance with Section 19 and applicable provincial law.

18.4 United Arab Emirates

If you reside in the UAE, these Terms are intended to operate consistently with UAE Federal Law No. 15 of 2020 on Consumer Protection and its executive regulations, and with Federal Decree-Law No. 45 of 2021 regarding the Protection of Personal Data. Nothing in these Terms limits any mandatory right you have under UAE law to bring a claim before a competent UAE court where arbitration cannot lawfully displace that right.

19. Governing Law and Venue

Except as set out in Section 18 or where mandatory local law requires otherwise, these Terms are governed by the laws of the State of Delaware, U.S.A., without regard to its conflict-of-laws principles, and any dispute not subject to arbitration (including under Section 17.4) will be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts. Users in India, Canada, and the UAE may, where mandatory local consumer-protection law so requires, bring a claim in the courts of their own jurisdiction for that portion of a claim to which such mandatory law applies.

20. Force Majeure

Assetly is not liable for any failure or delay in performance resulting from causes beyond its reasonable control, including natural disasters, acts of government, internet or telecommunications failures, cyberattacks, or failures of third-party service providers.

21. Assignment

You may not assign or transfer these Terms without Assetly’s prior written consent. Assetly may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets, or by operation of law.

22. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable. Assetly’s failure to enforce any provision is not a waiver of that provision. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Assetly regarding the Service.

23. Changes to These Terms

Assetly may update these Terms from time to time. If we make material changes, we will provide notice (such as by email or in-app notice) before the changes take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and may close your account.

24. Contact

Questions about these Terms may be directed to contact@assetly.life.

This document is a template prepared for planning purposes and does not constitute legal advice. It should be reviewed and adapted by a licensed attorney in each jurisdiction in which Assetly operates before publication.