Terms of Service

What Heirloom is

Heirloom keeps the logins, codes, documents and instructions you choose in an encrypted vault. If you stop signing in for a long time, or, on a paid plan, if your plan lapses and you don’t come back, Heirloom passes the vault to the three people you picked.

Heirloom is not a legal will. It doesn’t replace a will, estate planning or legal advice, and what it passes on has no legal force on its own. Heirloom stores and passes on information. It doesn’t hold, move or manage money or other assets, including cryptocurrency.

Your account

• You must be [18] or older to use Heirloom.
• Keep your password, your authenticator app and your recovery phrase safe. Your vault is encrypted with a key that only your password or your recovery phrase unlocks, and we don’t have either. If you lose both, we can’t open your vault for you.
• If you think someone else has got into your account, tell us straight away.

Your vault

• You decide what goes in your vault, and you’re responsible for keeping it accurate and up to date. Heirloom can’t check what you store.
• Don’t store anything unlawful, or anything you have no right to share.
• A vault holds up to 10 MB.

Your beneficiaries, and releases

• You choose three beneficiaries and give us their names and contact details, a trust phrase for each, and a security question only they should be able to answer. You’re responsible for those details being right, and you should have their agreement to give them to us.
• If you don’t sign in for 90 days, we start checking on you by email and app notification. If you still haven’t signed in 30 days after that, we release your vault: we contact your beneficiaries, and any two of them together can open it.
• On a paid plan, if your plan lapses and you neither renew nor sign in for 3 months, we release your vault in the same way. An expired free trial is only frozen, never released.
• A release stays open until the end of your paid period or 3 months after it started, whichever is later. Once your beneficiaries first open the vault, the release closes for good 7 days later, and each time they open it, they can see it for 24 hours.
• If you sign in while a release is open, it’s put on hold while we check with you. If you’re alive, the release is cancelled.

Plans and payment

• New accounts start with a free trial. After it, Heirloom is an annual plan at the price shown in the app. There’s no monthly plan, because a release can take up to 4 months to run its course.
• If your plan ends and you don’t renew, your vault is frozen, not deleted: you can’t open it until you renew, but nothing is lost.
• [Payment, renewal, refund and cancellation terms, once online payment is live.]

What we're not responsible for

As far as the law allows, Heirloom isn’t responsible for:

• anything lost because beneficiaries didn’t act within the release’s open window, the 7 days after the vault was first opened, or a 24-hour session;
• anything lost because what was in your vault was out of date when it was released;
• notifications that didn’t reach a beneficiary because the contact details you gave were wrong or out of date;
• anyone getting into your vault through a beneficiary’s compromised email account or device.

[Overall limit of liability and other standard terms.]

Ending your account

You can delete your account at any time from Settings. That permanently deletes your vault, your beneficiaries and your account. It can’t be undone, and nothing will be released. We may suspend or close accounts that break these terms or the law.

Changes and contact

We’ll email you about significant changes to these terms before they take effect. Questions? Contact support.

[Company legal name and registered address, and the law and courts that govern these terms.]