Terms of Service

HearthVault is a personal records organizer: it stores your documents, uses AI to file and summarize them, reminds you about dates, and helps you prepare estate, tax and bereavement materials.

It is not a law firm, accountant, financial adviser or insurer. Nothing in the app — including the estate library guides, generated documents, beneficiary flags, tax pack and AI answers — is legal, tax or financial advice. Generated documents are drafts; whether they are valid where you live depends on local law and proper signing. Please have an attorney review anything you intend to rely on.

• One household per vault. The person who creates the vault is the owner and is responsible for it, including who they invite and what roles they grant.
• Keep your PIN private. You are responsible for activity under your profile. Tell us at once if you believe someone has accessed your vault without permission.
• You must be at least 18 and able to enter a contract.
• Partners and executors get access only as the owner allows; the owner may change or remove that access at any time.

You own everything you put in the vault. You give us only the limited licence needed to store, process, display and email it back to you and the people you choose, as described in our Privacy Policy. You confirm you have the right to upload what you upload, and you will not store content that is illegal or that belongs to someone else without permission.

Categories, extracted fields, summaries, reminders and chat answers are produced by AI and can be wrong. Always check important details — amounts, dates, names, policy numbers — against the original document before acting on them. You can override any category or field.

• The Free plan is limited (currently 25 documents). Plus and Family are paid subscriptions billed monthly or yearly through Stripe at the prices shown on the Plans page, plus applicable tax.
• Subscriptions renew automatically until cancelled. You can cancel any time from the billing portal; access continues until the end of the paid period. Fees already paid are non-refundable except where the law requires otherwise.
• Bank linking uses Stripe Financial Connections; by linking an account you authorize Stripe and us to retrieve the account information described in the Privacy Policy.
• We may change prices with at least 30 days' notice by email; changes apply at your next renewal.

Don't misuse the service: no attempts to access another household's vault, probe or overload our systems, reverse-engineer the app, or use it to store or distribute unlawful material. We may suspend access that threatens the security or integrity of the service.

We aim for the service to be available at all times but cannot promise it. Keep your own copies of originals and irreplaceable documents; the built-in PDF, CSV and ZIP exports exist so you can do this easily.

The service is provided "as is" and "as available", without warranties of any kind, express or implied. To the fullest extent permitted by law, HearthVault and its operators are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of data, profits or goodwill, arising from your use of the service, and our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. Some jurisdictions do not allow these limits; where that is the case they apply to the maximum extent permitted.

You can stop using HearthVault and ask us to delete your vault at any time. We may end or suspend the service for a serious breach of these terms, with notice where practical. Sections 3, 8 and 10 survive termination.

We may update these terms; meaningful changes will be announced in the app with a new effective date, and continued use means acceptance. Questions go to hello@hearthvault.family.