Terms of Service

1. About these Terms

These Terms of Service (the "Terms") form a legal contract between you and MyLifePapers LLC, a limited liability company organized under the laws of the State of Texas, United States ("MyLifePapers," "we," "us," or "our"). They govern your use of:

• the MyLifePapers desktop application for macOS and Windows,
• the MyLifePapers mobile applications for iOS and Android,
• the website at mylifepapers.com, including the Trusted Access viewer at access.mylifepapers.com, and
• any related services we offer (together, the "Service").

You must be at least 16 years old to use the Service. If you do not agree to these Terms, do not install or use the Service.

Our Privacy Policy explains how we handle your information. It is part of these Terms.

2. Your household and your purchase

MyLifePapers is organized around a household: one shared vault that you create on your first device and can extend to your other devices and to the people you invite. When you buy or claim MyLifePapers, the purchase is registered to a verified email and unlocks that household. It grants you a personal, non-exclusive, non-transferable right to use the Service on your own devices and, if you choose, with your household members on theirs.

One purchase covers one household. There is no limit on the number of members or devices in a household. Members you invite use the household's purchase; they do not need to buy their own. You may not resell, sublicense, or transfer the entitlement to another household without our written consent.

You are responsible for:

• keeping access to your registered email secure,
• keeping your passphrase and your recovery code secure (we cannot recover either for you),
• the people you invite into your household and the devices you add to it,
• providing accurate information when you buy or contact support, and
• making sure your use of the Service is legal where you live.

3. Free version

You may use MyLifePapers without buying it, with every feature available, to keep up to 10 records and passwords combined in your household. Cloud sync, MyLifePapers Cloud, household members, Trusted Access, and the on-device AI are all included. This is not a time-limited trial: it never expires on a clock, and no features are held back. Records you create remain on your device and are not deleted if you choose not to buy. You can keep reading, editing, and deleting them; only adding an eleventh is blocked until you buy.

To keep more than 10, you buy MyLifePapers and sign in with the verified email registered to the purchase.

4. Purchase, billing, and refunds

MyLifePapers is a one-time purchase. There is no subscription and no recurring charge. Your purchase does not expire and does not auto-renew. There are two ways to buy:

• On our website, through our payment processor, Stripe. You verify the email that will own the purchase, complete payment, then open the app and continue with that email.
• Inside the iPhone or iPad app, as an in-app purchase processed by Apple under Apple's terms. You verify the email that will own the purchase before buying. Apple's Restore Purchases remains available for Apple transaction recovery; ordinary cross-platform access uses the registered email.

The desktop and Android apps do not sell the purchase themselves; they send you to our website.

What your purchase includes. Your purchase covers the current version of MyLifePapers and the ongoing updates we release for it, including bug fixes, security updates, and improvements. It does not guarantee free access to future major versions or to separate new products we may offer. If we release a major new version as a separate paid product, we will tell you whether your existing license includes it. Where it does not, you can keep using the version you bought for as long as you like.

Refunds for website purchases. All website sales are final. We do not offer refunds, in whole or in part. The free version gives you every feature for up to 10 records and passwords, with no time limit, so you can evaluate MyLifePapers fully before you buy.

Refunds for Apple purchases. Refund requests for a purchase made through Apple are decided by Apple under its own policies; we cannot issue them. If Apple refunds a purchase, we may revoke the entitlement it activated.

If a payment is reversed. If a payment is refunded, charged back, or reversed, we may revoke the entitlement. A revoked household returns to the free version: everything already in it stays on your devices and keeps working, and you cannot add more than the free limit until you buy again.

Taxes. Prices do not include applicable taxes. You are responsible for any taxes, duties, or government charges that apply to your purchase.

5. Your content and your data

You own your data. We do not claim any rights in the records, passwords, files, notes, or other content you store in MyLifePapers.

Because your data is encrypted on your device with a passphrase only you know, we cannot read it, cannot share it, and cannot recover it for you. You alone are responsible for:

• remembering your passphrase,
• safeguarding your recovery code (it is the only way to set a new passphrase, and there is no reset through us),
• keeping a second copy of anything you cannot afford to lose, for example with cloud sync or the desktop app's PDF export, and
• the legality of the content you store.

Members of your household see the records that are shared with them. You are responsible for what you share with whom.

6. Not professional advice

MyLifePapers includes checklists, descriptions of documents a family may need, life-event guides, reminders, and an assistant that answers questions from your own records on your device. All of it is general information to help you organize. An answer from the assistant can be wrong or incomplete; check anything that matters against the document itself. None of it is legal, financial, tax, medical, immigration, or insurance advice, and it may not fit your situation or your jurisdiction. Decisions about your affairs are yours, and for anything that matters you should consult a qualified professional.

Reminders are a convenience, not a guarantee. On a phone they are delivered by the operating system; on desktop they are shown only while the app is open and unlocked. Do not rely on a reminder as your only safeguard against a deadline.

7. Acceptable use

You agree not to use MyLifePapers to:

• store, share, or distribute content that is illegal where you live or where the recipient is located, including content that infringes someone else's intellectual property rights;
• store, share, or distribute child sexual abuse material, threats of violence, or content used to harass, defame, or impersonate another person;
• interfere with the Service, the security of other users, or the underlying networks and systems (no probing, scraping at unreasonable rates, or denial-of-service attacks);
• attempt to reverse-engineer the Service, except to the extent applicable law expressly permits despite this limitation;
• circumvent the free-version limit or the license, or share, resell, or sublicense your license; or
• use the Service to build a product that competes with MyLifePapers.

If you violate these rules, we may suspend or terminate your access. Where the law permits, we may report serious violations to the appropriate authorities.

8. Cloud sync, MyLifePapers Cloud, and third-party services

Sync is optional. If you use it, your data travels in encrypted form either to MyLifePapers Cloud or to a cloud account you own (Google Drive, Dropbox, Microsoft OneDrive, or a folder your device already syncs, such as iCloud Drive).

MyLifePapers Cloud is encrypted storage we run. Each household may store up to 5 GB, and each file up to 50 MB; the app tells you when a limit is reached. Cloud storage is included with the free version and with your purchase for as long as your license is active. Your devices always keep their own local copies.

When you connect a third-party cloud provider:

• you authorize the connection at the provider, not with us, and we never receive your provider credentials;
• the provider's own terms and privacy policy apply to your relationship with them;
• you can revoke our access at any time from the provider's settings, without telling us; and
• our ability to provide cloud features depends on the provider's availability, which is outside our control.

We are not responsible for the practices of any third-party cloud provider, and we do not guarantee that any cloud provider will remain available or continue to support our integration.

9. Trusted Access

Trusted Access lets you publish a read-only page of chosen records for someone you trust. The page is encrypted with an access code that you pass on yourself, and you can restrict it to named email addresses, give it an expiry date, rotate its code, or delete it.

You are responsible for who you share a link and its access code with, and for what you put on the page. Anyone holding both the link and the code can read the page until you change the code or delete the link, and once someone has read it we cannot take that back. Trusted Access is included with the free version and with your purchase; if your license is revoked or lapses, links you already published keep working for a period so the people you trust are not cut off, and you cannot publish new ones.

10. Availability, updates, and changes to the Service

We work to keep the Service available, but we do not guarantee uninterrupted service. Cloud features depend on internet connectivity, our servers, and the cloud provider you choose. The application itself continues to work locally without an internet connection. You can create, read, edit, and delete records offline.

The desktop app does not update itself; new versions are published on our website for you to install. Mobile updates come through the App Store and Google Play. We may require a current version for cloud features to keep working, for security or compatibility reasons.

We may modify, add, or remove features from time to time. We will not remove features in a way that materially degrades a paid license without giving you reasonable notice.

11. Termination

You may stop using the Service at any time by deleting the application. To remove the data we hold, follow mylifepapers.com/delete-my-account.

We may suspend or terminate your access to the Service or to specific features if:

• you materially breach these Terms or our Acceptable Use rules,
• a payment for your license is refunded, charged back, or reversed,
• we are required to do so by law,
• continuing to provide the Service to you presents a serious security or safety risk, or
• we discontinue the Service generally.

Where the situation allows, we will give you advance notice and a reasonable chance to fix the problem. Where it does not, for example where there is an immediate threat to other users, we may act first and notify you afterward.

What happens to your data on termination. Your data on your devices is not affected. It stays there and continues to work locally, and you can still read, edit, delete, and export it. If you used MyLifePapers Cloud, you can ask us to delete the encrypted copy we hold at any time.

12. Disclaimers

Some jurisdictions do not allow the exclusion of certain warranties, so some of these disclaimers may not apply to you. In that case, the warranties are excluded to the maximum extent permitted by applicable law.

13. Limitation of liability

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of these limits may not apply to you. In that case, our liability is limited to the maximum extent permitted by applicable law.

14. Indemnification

You agree to indemnify, defend, and hold harmless MyLifePapers LLC and its officers, members, employees, and agents from any claim, demand, loss, liability, damage, or expense (including reasonable legal fees) arising out of:

• your breach of these Terms or our Acceptable Use rules,
• your violation of any law or third-party right,
• content you stored or shared through the Service, or
• the conduct of any household member or device using your license.

We will promptly notify you of any claim we receive that is covered by this section, and we may, at our discretion, take over its defense at your expense.

15. Governing law and disputes

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

If we have a dispute, we will both try to resolve it informally first. Email us at support@mylifepapers.com with a description of the issue, and we will respond within 30 days.

If we cannot resolve the dispute informally, any claim must be brought in the state or federal courts located in Travis County, Texas, and we both consent to the exclusive jurisdiction of those courts. To the maximum extent permitted by applicable law, you waive any right to bring a claim as a plaintiff or class member in a class, collective, or representative action.

If you live in a jurisdiction whose laws give you the right to bring a claim in your local courts despite this section, those rights are not affected.

16. Changes to these Terms

We may update these Terms from time to time. When we make a material change, we will post the new version on this page with a new effective date at least 30 days before it takes effect, and email the address tied to your license where we have one. Continued use of the Service after the effective date means you accept the updated Terms.

If you do not agree to a change, you may stop using the Service before the change takes effect.

17. Miscellaneous

Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and us about the Service. They replace any prior agreement between us on the same subject.

App store terms. If you got the app from the Apple App Store or Google Play, that store's terms also apply to your download, and Apple or Google is not a party to these Terms and has no obligation to provide support or maintenance for the app.

No waiver. If we do not enforce a right under these Terms in one situation, that does not waive our right to enforce it later.

Severability. If any provision of these Terms is held unenforceable, the rest of the Terms will remain in effect.

Assignment. You may not assign these Terms to anyone else. We may assign them in connection with a merger, acquisition, or sale of all or part of our business; we will tell you if we do.

Notices to you. We may send notices to the email address tied to your license, where we have one, and by posting on our website. It is your responsibility to keep that address current.

Notices to us. Email support@mylifepapers.com or write to: MyLifePapers LLC, 5900 Balcones Drive STE 100, Austin, TX 78731, United States.

Force majeure. Neither party is responsible for failure to perform caused by events outside its reasonable control, including acts of nature, war, terrorism, civil unrest, government action, labor action, network outages, or third-party provider failures.

18. How to contact us

• Support: support@mylifepapers.com
• Privacy questions: privacy@mylifepapers.com
• Mailing address: MyLifePapers LLC, 5900 Balcones Drive STE 100, Austin, TX 78731, United States

By using MyLifePapers, you confirm that you have read these Terms, that you understand them, and that you agree to be bound by them.