Terms of Service

Memoari is a digital estate vault and will template generation service operated by Memoari Ltd ("Memoari", "we", "us"). The service allows users to:

- Generate a will template using our guided will builder - Store documents, digital asset details, and financial information in an encrypted vault - Record personal messages to be delivered to designated contacts - Designate trusted contacts to receive access to vault contents under specified conditions

Memoari is a technology platform. We are not a law firm and we do not provide legal advice. Use of the Memoari will builder does not create a solicitor-client relationship.

Free plan: The Free plan is provided at no cost and includes the features described on our pricing page. Memoari reserves the right to modify Free plan features with reasonable notice.

Personal and Family plans: Paid subscriptions are billed monthly or annually in advance. Prices are in USD. Lemon Squeezy acts as the Merchant of Record and handles all applicable taxes.

Care Home plan: Enterprise subscriptions are billed monthly under a separate partner agreement.

Upgrades and downgrades: You may change your plan at any time. Upgrades take effect immediately. Downgrades take effect at the end of the current billing period.

Cancellation: You may cancel your subscription at any time through your account settings. You will retain access to paid features until the end of your current billing period, after which your account reverts to the Free plan.

Refunds: We offer a full refund within 14 days of initial purchase, in accordance with UK consumer law. For annual plans, refunds after 14 days are prorated for the remaining complete months.

Not legal advice. Memoari is not a law firm. Our will builder produces legally-structured documents for England and Wales based on the information you provide. This is a technology service, not legal advice. The output is a legally-structured document, not a personalised legal opinion.

Signing requirements. For a will to be legally valid under the Wills Act 1837 (England & Wales), it must be signed by you in the presence of two independent witnesses who are also present at the time of signing and who sign the document themselves. Witnesses must be over 18 and must not be beneficiaries or spouses of beneficiaries named in the will.

Consult a solicitor for complex estates. Memoari will templates are suitable for straightforward estates. We strongly recommend consulting a qualified solicitor or estate attorney if your situation involves any of the following:

- Trusts or life interest arrangements - Business ownership or partnership interests - Overseas property or assets in multiple jurisdictions - Complex family situations (divorce, estranged relatives, dependants with special needs) - Potential inheritance tax planning - Contested or disputed estates

Memoari's will templates are a starting point. They do not constitute a legal guarantee of any specific outcome and Memoari accepts no liability for disputes arising from the use of generated templates.

Jurisdiction. The will builder currently generates templates for the law of England & Wales. Scottish, Northern Irish, and international wills have different legal requirements. Memoari accepts no liability for wills used outside the supported jurisdiction.

You agree to use Memoari only for lawful purposes. You must not:

- Use Memoari to store, share, or distribute illegal content - Impersonate another person or create accounts in another person's name without their consent - Attempt to access another user's vault without authorisation - Use the service to harass, threaten, or harm any other person - Attempt to reverse-engineer, copy, or reproduce any part of the Memoari platform - Use automated means to scrape or access the service outside of its intended use

Memoari reserves the right to suspend or terminate accounts that violate these terms, without notice in serious cases.

Your content: You retain full ownership of everything you store in your Memoari vault — your documents, messages, will content, and all other data. By using the service, you grant Memoari a limited, non-exclusive licence to store, encrypt, and transmit your content solely for the purpose of providing the service.

Memoari's content: The Memoari platform, branding, will builder software, interface design, and all associated intellectual property are owned by Memoari Ltd. You may not copy, reproduce, or create derivative works from any part of the platform without express written permission.

To the extent permitted by applicable law, Memoari's total liability to you for any claim arising from use of the service is limited to the amount you have paid to Memoari in the 12 months preceding the claim, or £100, whichever is greater.

Memoari does not accept liability for:

- The legal validity of a will generated using our templates - Loss of data arising from circumstances outside our reasonable control - Decisions made by designated contacts or beneficiaries - Any delay or failure in delivery of vault contents arising from inaccurate contact information - Consequential, indirect, or speculative loss of any kind

Nothing in these terms limits our liability for death, personal injury caused by negligence, fraud, or any other matter that cannot be excluded by law.

We recommend all users with assets above the Inheritance Tax threshold (currently £325,000 per individual in England & Wales) seek independent legal advice.

We may update these terms from time to time. We will notify you of material changes by email at least 30 days before they take effect. Continued use of the service after the effective date constitutes acceptance of the new terms.

If you do not accept the changes, you may cancel your subscription before the effective date and your data will be retained according to our data retention policy.

These terms are governed by the laws of England and Wales. Any dispute arising from these terms or your use of the service will be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer, you may also benefit from any mandatory provisions of the law of the country in which you reside.

Memoari Ltd [Registered address: to be confirmed] Email: legal@memoari.org General enquiries: hello@memoari.co.uk