Terms of Service

1.1 Eligibility. You must be at least 18 years of age to create a KinStone™ account. By registering, you represent and warrant that you meet this requirement and have the legal capacity to enter into a binding agreement.

1.2 Account Registration. You agree to provide accurate, current, and complete information during registration and to keep that information up to date. You are responsible for safeguarding your account credentials and for all activity that occurs under your account.

1.3 Account Security. You must notify us immediately at Support@KinStoneVault.com if you become aware of any unauthorized use of your account or any other security breach. We are not liable for any loss or damage arising from your failure to comply with this obligation.

1.4 One Account per User. Each individual may maintain only one personal KinStone™ vault account. Family plan subscriptions may support multiple linked accounts as described in your plan documentation.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Upload, store, or transmit content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable.
• Use the Service to store, facilitate, or participate in any activity that violates applicable local, state, national, or international law.
• Attempt to gain unauthorized access to any portion of the Service, other users' accounts, or the systems and networks connected to the Service.
• Introduce any malware, viruses, trojan horses, spyware, worms, or other harmful code into the Service.
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service.
• Use automated scripts, bots, scrapers, or other means to access the Service in a manner that exceeds normal human usage or places an unreasonable burden on our infrastructure.
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.
• Resell, sublicense, or otherwise commercialize access to the Service without our express written permission.

We reserve the right to investigate suspected violations of these Terms and to take any action we deem appropriate, including termination of your account.

3.1 Your Content. You retain all ownership rights to the content you upload to the Service (“Vault Content”), including passwords, documents, financial records, personal writings, and other materials. By uploading Vault Content, you grant us a limited, non-exclusive license to store, process, and transmit that content solely as necessary to operate the Service.

3.2 Security Measures. We implement industry-standard technical and organizational measures to protect Vault Content, including encryption at rest and in transit. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

3.3 Backups. We maintain backups of platform infrastructure; however, you are encouraged to retain independent copies of any critical documents stored in the Service. We are not responsible for permanent loss of Vault Content due to events beyond our reasonable control.

3.4 Third-Party Infrastructure. The Service is built on third-party cloud infrastructure. While we take steps to ensure these providers meet our security standards, we cannot guarantee that third-party infrastructure is free from vulnerabilities.

3.5 Privacy. Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

4.1 Code Holders. You may designate one or more trusted individuals (“Code Holders”) who hold a portion of a cryptographic access credential. You acknowledge that designating Code Holders carries responsibility and that you should only designate individuals you trust completely.

4.2 Release Triggers. The vault release mechanism activates upon verified trigger events you configure, which may include death, prolonged disappearance, or incapacitation. KinStone™ relies on the information and verification provided by Code Holders; we are not responsible for inaccurate or fraudulent trigger submissions.

4.3 Threshold Requirements. Access to vault contents is governed by the threshold you configure. KinStone™ enforces the technical mechanism but does not guarantee that Code Holders will participate, that they can be located, or that the release will occur within any specific timeframe.

4.4 No Legal Advice. KinStone™ is a technology platform, not a law firm. Nothing in the Service constitutes legal, financial, or estate-planning advice. The vault release mechanism is not a substitute for a will, trust, or other legally recognized estate document. We strongly encourage you to consult a licensed attorney regarding your estate plan.

4.5 Limitation on Release Disputes. KinStone™ is not a party to any dispute between heirs, beneficiaries, or Code Holders regarding the legitimacy of a vault release. We reserve the right, but not the obligation, to suspend vault release pending receipt of a court order or other binding legal determination.

5.1 Paid Plans. Access to certain features of the Service requires a paid subscription. Subscription fees, billing cycles, and plan details are described at the time of purchase and on our pricing page.

5.2 Automatic Renewal. Subscriptions renew automatically at the end of each billing period unless you cancel prior to the renewal date. You authorize us to charge the payment method on file for each renewal.

5.3 Refunds. Except where required by law, subscription fees are non-refundable. If you cancel, you will continue to have access to paid features until the end of your current billing period.

5.4 Price Changes. We reserve the right to change subscription pricing at any time. We will provide at least 30 days' advance notice of any price change. Continued use of the Service after a price change constitutes acceptance of the new pricing.

The Service and its original content (excluding Vault Content), features, and functionality are and will remain the exclusive property of KinStone™ and its licensors. Our trademarks, trade dress, logos, and service marks may not be used in connection with any product or service without our prior written consent.

You grant us a non-exclusive, royalty-free, worldwide license to use aggregated, de-identified usage data to improve and develop the Service.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

WE DO NOT WARRANT THAT (A) THE SERVICE WILL FUNCTION UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (C) THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICE WILL MEET YOUR REQUIREMENTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KINSTONE™, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM:

• Your access to or use of (or inability to access or use) the Service;
• Any conduct or content of any third party on the Service, including Code Holders;
• Any Vault Content obtained through the Service;
• Unauthorized access, use, or alteration of your transmissions or content;
• The failure of the vault release mechanism to trigger or complete for any reason.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER THESE TERMS EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

You agree to defend, indemnify, and hold harmless KinStone™ and its licensors, employees, contractors, agents, officers, and directors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third party rights, including without limitation any intellectual property or privacy right; or (d) any claim that Vault Content you uploaded caused damage to a third party.

10.1 By You. You may close your account at any time by contacting us at Support@KinStoneVault.com. Upon account closure, your Vault Content will be deleted within 30 days, subject to any legal hold obligations.

10.2 By Us. We reserve the right to suspend or terminate your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms.

10.3 Effect of Termination. Upon termination, your right to use the Service immediately ceases. Provisions of these Terms that by their nature should survive termination shall survive, including Sections 6, 7, 8, 9, 11, and 12.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Service shall first be submitted to good-faith mediation. If mediation fails to resolve the dispute within 60 days, the parties agree to submit to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If for any reason a claim proceeds in court rather than in arbitration, you waive any right to a jury trial.

We reserve the right to modify these Terms at any time. When we make changes, we will update the “Last updated” date at the top of this page and, for material changes, provide notice via email or a prominent notice within the Service at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes your acceptance of the revised Terms.

Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and KinStone™ regarding the Service and supersede all prior agreements.

Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms without restriction.