Terms of Service

1. Service Description

Next of Kin Plan provides a secure digital platform for organizing critical family information including financial accounts, property records, medications, professional contacts, legacy messages, and emergency checklists. The Service is designed to help families prepare for crises and life transitions by centralizing important information in one secure, accessible location.

What We Do:

• Provide secure, encrypted storage for your documents, accounts, and personal information
• Use AI-assisted scanning to extract data from bill photos and medication labels (see Section 9)
• Generate a personalized 72-Hour Checklist from your actual data
• Enable role-based family sharing (spouse, executor, Point Person) with granular access controls
• Deliver legacy messages (text, audio, video) to designated recipients on dates or events you specify
• Send bill reminders, tax deadline alerts, and re-engagement nudges
• Provide PDF export of your complete plan

What We Do NOT Do:

• Create legal documents (wills, trusts, powers of attorney)
• Provide legal, financial, tax, or medical advice
• Guarantee the legal validity of any documents you upload or information you store
• Replace attorneys, financial advisors, CPAs, or other licensed professionals
• Act as your fiduciary, agent, or representative in any capacity

2. Account Registration

To use the Service, you must:

• Be at least 18 years of age
• Provide accurate, current, and complete registration information
• Maintain the security of your account credentials, including your MFA (multi-factor authentication) device
• Notify us immediately of any unauthorized access to your account
• Complete the onboarding process, which includes setting up your profile

You are responsible for all activities that occur under your account. Do not share your login credentials with anyone. Family members you authorize should use the family sharing invitation feature, not your personal login.

3. Subscription Plans and Pricing

A. Available Plans

All prices are in USD. Prices are subject to change with at least 30 days' notice to existing subscribers. Price increases do not apply to active Lifetime plan holders.

B. Free Tier Limits

Free accounts are limited to:

• 2 action cards (scanned bills/accounts)
• 1 property
• 1 family sharing invitation
• No access to: professional contacts, legacy messages, medications, or full PDF export

When you reach free tier limits, you will be prompted to upgrade. We do not delete your data if you remain on the free tier.

C. Partner and B2B Pricing

Professional partners (estate attorneys, financial advisors, assisted living facilities, employers) may purchase seat-based licenses at tiered pricing ($59–$99/seat/year depending on volume). Terms of partner arrangements are governed by separate partner agreements.

4. Payment and Billing

• Payment is processed securely through Stripe (PCI DSS Level 1 certified)
• We accept major credit and debit cards as displayed during checkout
• Subscriptions renew automatically at the end of each billing period unless cancelled
• Failed payments: We will attempt to charge your payment method up to 3 times. If all attempts fail, your account may be downgraded to the free tier. Your data is preserved for 90 days.
• You authorize us to charge your payment method for subscription fees and any applicable taxes
• All billing inquiries should be directed to support@nextofkinplan.com

5. Refunds and Cancellations

A. Refund Policy

• 30-day money-back guarantee for all paid plans (Annual, Monthly, and Lifetime)
• Refund requests must be submitted via email to support@nextofkinplan.com within 30 days of initial purchase
• Refunds are processed within 7–10 business days to the original payment method
• After 30 days, all sales are final
• Early bird discounted plans are eligible for the same 30-day guarantee
• Probate Access Pass purchases are non-refundable after access has been granted

B. Cancellation

• You may cancel your subscription at any time through your account billing settings or by emailing support@nextofkinplan.com
• Cancellation takes effect at the end of your current billing period. You retain access until then.
• Upon cancellation, your account is downgraded to the free tier. Your data is preserved.
• If you wish to fully close your account and delete all data, see Section 17 (Account Closure).

C. Price Floor

We will never discount below $79/year (early bird) or $49/year (promotional floor). This ensures sustainable operation and continued investment in security and features.

6. Your Content and Data

A. Ownership

You retain all ownership rights to the information, documents, media, and other content you upload to the Platform (“Your Content”). We claim no ownership over Your Content.

B. License to NOKP

By uploading Content, you grant us a limited, non-exclusive license to:

• Store and encrypt Your Content on our infrastructure
• Display Your Content to you and to family members you authorize
• Process bill and medication photos through AI scanning (at your direction)
• Back up Your Content for disaster recovery
• Generate your 72-Hour Checklist and plan score from Your Content
• Include Your Content in PDF exports you request
• Deliver legacy messages you create to recipients you designate

This license terminates when you delete Your Content or close your account.

C. Your Responsibilities

You are solely responsible for:

• The accuracy and completeness of information you enter
• Ensuring you have the legal right to upload any documents or media
• Determining who should have access to your plan and at what role level
• Keeping your emergency contact information current
• Maintaining copies of important original documents outside the Platform
• Reviewing AI-extracted data for accuracy before saving

D. Prohibited Content

You may not upload:

• Content that violates any applicable law or regulation
• Content that infringes on others' intellectual property rights
• Malware, viruses, or other harmful code
• Content that violates others' privacy rights without their consent
• Illegal materials of any kind

7. Family Sharing and Access Roles

You may invite family members or trusted individuals to view portions of your plan. The Platform supports three invited roles:

You understand and agree that:

• You control who has access and what they can see at all times
• You can modify or revoke any role at any time
• Family members you invite will receive an email invitation from us
• Executor access to secure notes and full legacy messages requires access tier approval
• We are not responsible for disputes between family members regarding access or content
• Death-locked invitations remain pending until the appropriate access workflow is initiated
• Account closure can be requested by an authorized executor through a documented process
• A trusted approver you designate, or a funeral home submitting a verification we sent at your executor's request, can ask us to open the parts of your plan you set to open later. When that happens we email you first and wait approximately 24 hours before opening anything. You can stop it during that time using the link in that email. If you do not respond, access opens automatically. Where an access request is instead reviewed and approved by our support team on documentation, access is granted at the time of approval and you are notified then.

8. Professional Partner Access

If you access NOKP through a professional partner (estate attorney, financial advisor, employer, assisted living facility):

• The professional partner does NOT have access to your vault contents unless you explicitly grant it within the Platform
• Your relationship with the professional is separate from your relationship with NOKP
• Partners see only aggregate, anonymized statistics (number of referrals, seat utilization)
• We are not responsible for the professional's advice, services, or recommendations
• Partner trial periods, seat allocations, and special pricing are governed by separate agreements between you, the partner, and NOKP

9. AI-Assisted Features

A. How AI Scanning Works

• You take a photo of a bill, bank statement, or medication label using the Platform
• iPhone HEIC photos are automatically converted to JPEG on our server before processing
• The image is sent via encrypted HTTPS to the Anthropic Claude API
• The AI extracts structured data (account name, number, provider, amounts, due dates, medication details)
• The extracted data is returned to you with a confidence score
• You review, correct if needed, and approve the data before it is saved to your account
• The AI does not retain your images or data for model training (per Anthropic's commercial API terms)

B. AI Limitations

• AI extraction and generated guidance may contain errors. You are responsible for reviewing all AI-extracted and AI-generated content before relying on it.
• Low-confidence extractions are flagged for your manual review
• AI never receives your account numbers, Social Security numbers, secure notes, or the contents of your legacy messages, and does not process audio or video legacy messages
• AI is used only for document and medication scanning and for generating your 72-Hour Checklist and plan insights — for no other purpose

C. Your Right to Decline

AI-assisted scanning is entirely optional. You may manually enter all information into any form field without using the camera or AI features. No functionality is lost by declining AI scanning.

10. Legacy Messages

Paid subscribers can create legacy messages (text, audio recordings up to 30 seconds, and short video clips) intended for delivery to designated recipients.

You understand and agree that:

• Legacy messages are stored encrypted on our servers until their scheduled delivery date or triggering event
• Delivery is initiated automatically on the date/event you specify, or manually by an authorized executor
• Once delivered, messages cannot be recalled
• Audio and video recordings are stored as media files in private, encrypted storage buckets
• We do not review, moderate, or screen legacy message content
• You are solely responsible for the content of your legacy messages
• Recipients receive legacy messages via the notification method you configure

11. No Professional Advice

Always consult with licensed professionals for estate planning, financial planning, tax preparation, and medical directives. The information you store in NOKP is organizational, not legal.

12. Privacy and Security

We employ industry-standard security measures to protect your data, including:

• AES-256-GCM encryption for sensitive data fields
• Row Level Security (RLS) on all database tables
• Multi-factor authentication (MFA/TOTP) enforcement
• Signed URLs with 10-minute expiry for document access
• Private storage buckets with no public file URLs
• Rate limiting on authentication endpoints
• Comprehensive security headers (CSP, HSTS, X-Frame-Options: DENY)

For complete details, refer to our Privacy Policy.

13. Service Availability

We strive for high uptime but cannot guarantee uninterrupted service. The Service is provided “AS IS” and “AS AVAILABLE.”

• We may perform scheduled maintenance that temporarily affects access (with advance notice when possible)
• We may update, modify, or add features to improve the Platform
• In the event of extended downtime, we will communicate status and expected resolution via email and/or our status page
• We are not liable for service interruptions caused by circumstances beyond our reasonable control (see Section 21, Force Majeure)

14. Intellectual Property

The Platform, including its design, code, features, branding, “Kin the Owl” mascot, user interface, and documentation is owned by Next of Kin Plan LLC and protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, distribute, or reverse engineer the Platform or any part of it
• Use our trademarks, logos, or brand assets without written permission
• Create derivative works based on the Platform
• Remove, obscure, or alter any copyright or proprietary notices
• Scrape, crawl, or automatically extract data from the Platform

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Next of Kin Plan LLC and its officers, directors, employees, contractors, and partners shall not be liable for:

• Loss, corruption, or unauthorized access to data or documents, except where caused by our gross negligence
• Inability to access the Service during emergencies or critical moments
• Decisions made by you or your family members based on information stored in the Platform
• Disputes between family members regarding access, roles, or content
• Errors in AI-extracted data that you approved and saved
• Actions taken or not taken by your designated executor, spouse, or Point Person
• Third-party service outages (Stripe, Supabase, Anthropic, Vercel, Resend, etc.)
• Any indirect, incidental, special, consequential, or punitive damages

Our total aggregate liability to you for any claims arising from or related to the Service shall not exceed the greater of (a) the amount you paid us in the 12 months preceding the claim, or (b) $100.

Some jurisdictions do not allow limitation of liability for certain types of damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

16. Indemnification

You agree to indemnify, defend, and hold harmless Next of Kin Plan LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Content you upload to the Platform
• Your violation of any third-party rights
• Disputes with family members regarding access to your plan
• Your reliance on AI-extracted data without adequate review

17. Account Closure and Data Deletion

A. Voluntary Closure (by You)

• You may close your account at any time through your account settings or by contacting support@nextofkinplan.com
• Upon closure, your access ceases immediately
• You have a 90-day grace period to download your data (PDF export)
• After 90 days, all data is permanently and irreversibly deleted from our production systems
• Backup copies are purged within 30 additional days
• Transaction records required by law are retained for 7 years

B. Executor-Initiated Closure

If you are incapacitated or deceased, an authorized executor with the appropriate access role may initiate an account closure request. This process includes:

• Verification of executor role and access tier
• Administrative review and approval
• A grace period for data export before deletion

We handle executor-initiated closures with care and require documented authorization.

C. Termination by Us

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent activity
• Upload prohibited content
• Fail to pay required subscription fees after grace period
• Use the Service in ways that harm other users or the Platform

We will provide notice before termination when practicable, except in cases of fraud or imminent harm.

18. Dispute Resolution

A. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law provisions.

B. Informal Resolution

Before initiating any formal legal action, you agree to contact us at support@nextofkinplan.com and attempt to resolve the dispute informally for at least 30 days.

C. Arbitration

Any disputes not resolved informally shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in the State of Florida. Either party may seek injunctive relief in any court of competent jurisdiction. You may assert claims in small claims court if they qualify.

D. Class Action Waiver

You agree to resolve disputes with us on an individual basis only. You waive any right to participate in a class action, collective action, or representative proceeding against Next of Kin Plan LLC.

19. Changes to Terms

We may update these Terms to reflect changes in our practices, features, pricing, or legal requirements.

• We will notify you of material changes via email and a prominent notice on the Platform
• Material changes take effect 30 days after notice
• Non-material changes (e.g., clarifications, formatting) take effect when posted
• Continued use of the Service after changes take effect constitutes acceptance of the new Terms
• If you disagree with changes, you must stop using the Service and close your account before the effective date

Version History:

• Version 2.1: July 30, 2026 (current — describes the notice-and-wait period before a trusted approver or funeral home release opens your plan, and your ability to stop it)
• Version 2.0: February 24, 2026 (comprehensive update reflecting AI features, updated pricing, role-based access, partner program, and account closure workflow)
• Version 1.0: December 8, 2024 (initial release)

20. Third-Party Services and Links

The Platform relies on third-party services (Stripe, Supabase, Anthropic, Vercel, Resend, MailerLite, Sentry, Google Analytics) and may contain links to external resources.

• We are not responsible for the availability, content, or practices of third-party services
• Your use of third-party services is governed by their respective terms and privacy policies
• Third-party service outages may temporarily affect Platform functionality
• We select reputable providers and monitor their compliance with industry standards, but we cannot guarantee their performance

21. Miscellaneous

22. Contact Information