Terms of Service

1. Acceptance of Terms

The Service is provided by myAngelVault Kft., a limited liability company registered in Hungary ("myAngelVault", "we", "our", or "us").

By creating an account, checking the acceptance box presented at registration, or accessing or using the myAngelVault platform (the "Service"), you agree to be bound by these Terms of Service (the "Terms"), our Privacy Policy, and our Content & Delivery Disclaimer, each of which is incorporated into these Terms by reference. If you do not agree to these Terms, do not use the Service.

When you create an account, you are asked to affirmatively confirm your acceptance of these Terms — including the Arbitration Agreement and Class Action Waiver in Section 17 — by checking a box. We keep a record of the date, time, and version of the Terms you accepted.

You must be at least 18 years old to use the Service.

2. Description of the Service

myAngelVault is a digital platform that allows users to:

• Securely store messages, photos, videos, files, and instructions ("User Content")
• Configure delayed, scheduled, or conditional delivery of such content to designated recipients
• Appoint a trusted third party (a "Guardian") to assist in verification processes
• Monitor account activity through an automated Heartbeat system

The Service involves emotionally sensitive communications, including content intended to be received after the user's death or prolonged incapacity. By its nature, the Service handles deeply personal and potentially distressing content.

3. Eligibility

To use the Service, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract in your jurisdiction
• Not be prohibited from using the Service under applicable laws (including export control and sanctions laws)

4. User Accounts

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Providing accurate and current information
• Promptly notifying us of any unauthorized access or security breach affecting your account

We reserve the right to suspend or terminate accounts created with false, misleading, or fraudulent information.

4.1 Identification and Authentication

Account registration requires a valid email address and password. We also offer enhanced authentication methods, including Two-Factor Authentication (2FA) and third-party identity providers (e.g., Apple Sign In).

We reserve the right to require additional identity verification in cases where we have reasonable grounds to suspect fraud, misuse, or violation of these Terms, or where required by applicable law or a competent authority.

Currently, we do not require government-issued identification for standard account creation. This policy may change if required by future legal or regulatory obligations. We will notify users of any such changes in accordance with Section 20 (Changes to Terms).

5. Subscription, Billing and Cancellation

5.1 Subscription Plans and Currency

The Service is offered on a prepaid subscription basis. All prices are stated and charged in United States Dollars (USD). Subscriptions are currently offered in multi-year terms (one, two, or three years), billed in advance for the full term. Optional add-ons (additional recipients or storage) are priced as displayed at checkout.

Pricing details are always displayed before you commit to a purchase. We may update pricing from time to time; existing subscribers will be notified at least 30 days before any price change affecting their renewal.

5.2 Free Trial

We offer a free trial period (currently 14 days) during which:

• No payment is required and no payment method needs to be provided
• The Service is available with its core functionality, subject to trial-level recipient and storage limits
• You may stop using the Service at any time without charge

If you do not purchase a subscription before your trial ends, your account enters an expired state: monitoring and delivery mechanisms cease, and your account and content become subject to the retention and deletion timelines in Section 16.

5.3 Automatic Renewal

We send a renewal reminder to your registered email address before each renewal, including where required by applicable state law (for example, automatic renewal laws in California and other U.S. states). You can cancel at any time as described in Section 5.4.

5.4 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation stops future renewals and takes effect at the end of the current prepaid term. You will retain access to paid features until that date.

5.5 Refunds

Except where required by applicable law, subscription fees are non-refundable once the applicable withdrawal or cancellation period has expired. We may, at our sole discretion, provide refunds in exceptional circumstances.

If you are a consumer in the European Union or European Economic Area, you have a statutory 14-day right of withdrawal — see Annex A (Information for EU/EEA Consumers) for details, including the model withdrawal form.

Nothing in this section limits any non-waivable refund rights you may have under the consumer protection laws of your place of residence.

5.6 Payment Processing and Invoicing

All payments are processed by Stripe, Inc. We do not store full payment card details. By providing payment information, you agree to Stripe's terms of service and privacy policy.

Where required by law, we issue an electronic invoice or receipt for your purchase. Applicable taxes (such as VAT or sales tax) are calculated and, where required, added at checkout based on your billing country.

6. User Content

You retain ownership of all User Content you submit.

By using the Service, you grant myAngelVault a limited, non-exclusive, worldwide license to host, store, process, and transmit your User Content solely for the purpose of operating the Service and delivering your content as configured by you.

You are solely responsible for:

• The content you create or upload
• Its accuracy, legality, and appropriateness
• Any consequences resulting from its delivery or interpretation
• Ensuring you have the right to upload and share such content

myAngelVault does not review, endorse, monitor, or validate User Content, except where required by law or to enforce these Terms.

6.1 Sensitive Content — Credentials, Financial Data, and Access Information

The Service may be used to store and deliver information intended to help your recipients manage your affairs, including but not limited to:

• Login credentials and passwords for online accounts (email, social media, financial platforms)
• Banking information, account numbers, PINs, or security codes
• Cryptocurrency private keys, seed phrases, or wallet access information
• Insurance policy details, investment platform credentials, or other financial access data
• Instructions for closing, transferring, or managing your accounts

These acknowledgments reflect a universal truth of digital storage, not a limitation unique to myAngelVault: live credentials are inherently sensitive wherever they are kept.

• myAngelVault provides encrypted storage and secure delivery mechanisms, but is not a bank, financial institution, PCI DSS-certified vault, or regulated custodian of financial data or digital assets
• While we implement industry-standard security measures (encryption at rest and in transit, access controls, token-based delivery), no system can guarantee absolute security
• You store and transmit such information at your own risk and on your own responsibility
• Delivering access information to a recipient does not transfer ownership of, or any legal right to, the underlying accounts or assets — see Section 9 (No Testamentary Effect)
• Recipients who use delivered credentials may be subject to legal obligations toward your estate, your heirs, and the operators of the relevant accounts; myAngelVault has no control over, and no responsibility for, what recipients do with delivered information
• myAngelVault shall not be liable for any financial loss, unauthorized access, misappropriation, or damage arising from the storage or delivery of such content, including situations where third parties gain access through means beyond our reasonable control
• Credentials stored in the Service may become outdated, revoked, or invalid by the time delivery occurs — you are responsible for keeping your stored information current
• We strongly recommend that you also inform a trusted person about the existence of your stored information through other secure means, as a fallback measure

6.2 Storage Limits

User Content is subject to storage limits based on your subscription plan. We reserve the right to refuse uploads that exceed your plan's storage quota.

6.3 Active Subscription Requirement for Delivery

The delivery mechanisms of the Service (including Heartbeat monitoring, escalation workflows, Guardian verification, and content delivery to recipients) require an active subscription (trial or paid) to function.

If your subscription expires, lapses, or is terminated:

• Heartbeat monitoring and inactivity detection will cease
• Escalation and Guardian workflows will not be initiated
• Scheduled or conditional deliveries will not be triggered
• After the applicable grace period and account retention period (see Section 16), your account and all User Content may be permanently deleted

We will make reasonable efforts to notify you of upcoming subscription expiry and grace period deadlines, but such notifications are provided as a courtesy and do not constitute a guarantee.

7. Heartbeat & Monitoring Features

The Heartbeat and monitoring features operate on a best-effort, technical basis and rely on user-initiated responses, push notifications, and automated checks.

You acknowledge and agree that:

• Heartbeat features are NOT life-detection, medical, health-monitoring, or emergency systems
• You must not rely on the Service for emergency, medical, safety, or time-critical purposes
• False positives, false negatives, missed signals, network failures, device unavailability, email or SMS delivery failures, or system limitations may occur
• Delivery triggered by inactivity may occur even though you are alive and well, if you do not respond to verification prompts
• Delivery may fail to occur, or occur later than expected, even though the conditions you intended have been met
• We are not liable for premature, delayed, or missed deliveries arising from these technical limitations

8. Delivery & Guardian Model

Delivery of User Content may depend on automated signals, user inactivity indicators, scheduled triggers, or third-party (Guardian) confirmation.

Guardians:

• Act solely as verification facilitators
• Do not initiate, modify, or control User Content
• Do not make decisions regarding delivery outcomes
• May decline the role at any time

myAngelVault does not guarantee that:

• Delivery will occur
• Delivery will occur at a specific time
• Recipients will receive, open, read, or understand the content
• Recipient contact information remains valid over time

Failures, delays, or misinterpretations do not constitute a breach of these Terms or give rise to liability on our part, to the maximum extent permitted by applicable law.

8.1 Recipients

Recipients of User Content are not parties to these Terms and have no contractual relationship with myAngelVault. We do not verify, endorse, or take responsibility for the content delivered to recipients.

Recipients access delivered content through secure, time-limited links. By accessing such content, recipients acknowledge that:

• The content was created solely by the user, not by myAngelVault
• myAngelVault has not reviewed, verified, or endorsed the content
• myAngelVault bears no liability for any harm, distress, or consequences arising from the content or its delivery

We disclaim all liability to recipients and other third parties for any claims arising from User Content, its delivery, timing, accuracy, or interpretation, to the maximum extent permitted by applicable law.

8.2 User's Duty to Respond to Safety Checks

The Service includes a multi-phase safety verification process designed to prevent premature delivery. This process may include reminder and escalation emails, push notifications, SMS messages, and Guardian verification steps.

You acknowledge that:

• It is your responsibility to keep your contact information (email, phone number, devices) current and accessible
• It is your responsibility to configure and maintain the Heartbeat monitoring system (including the mobile application, if used), and to use the Travel Mode feature when you expect to be unreachable
• Failure to respond to safety checks, regardless of the reason, may result in irreversible delivery of your User Content
• We are not liable for deliveries triggered by your failure to respond to safety verification prompts

8.3 Emotional Impact of Delivered Content — Assumption of Risk

You understand that the entire purpose of the Service is to deliver deeply personal content, often in connection with death or incapacity, and that such content is inherently capable of causing strong emotional reactions in recipients — including grief, distress, shock, or upset — particularly if delivery occurs prematurely, unexpectedly, or in error.

By using the Service, you knowingly and voluntarily assume this risk on behalf of yourself, and you acknowledge that:

• You alone choose the content, tone, recipients, and timing configuration of your messages
• myAngelVault has no knowledge of, and no control over, the emotional effect your content may have on any recipient
• A delivery triggered by your inactivity (including a premature delivery caused by your failure to respond to safety checks) may cause recipients to believe you are deceased or incapacitated when you are not; the multi-phase safety process described in Section 8.2 exists to reduce this risk, but cannot eliminate it
• To the maximum extent permitted by applicable law, myAngelVault shall not be liable to you, to any recipient, or to any other person for emotional distress, mental anguish, grief, or similar harm arising from the content of your messages, from their delivery, from the timing of their delivery, or from a delivery made in error

9. No Testamentary Effect; Estate and Inheritance Matters

This section is fundamental to understanding what the Service is — and is not.

9.1 Not a Will or Estate Planning Instrument

The Service is a message storage and delivery tool. It is not a will, testament, trust, beneficiary designation, power of attorney, healthcare directive, or any other estate planning or testamentary instrument under the laws of any jurisdiction, and it does not satisfy the formal requirements (such as witnessing, notarization, or holographic form) for any such instrument.

Content stored in or delivered through the Service:

• Has no testamentary effect and does not constitute a disposition of property upon death
• Does not transfer, assign, or convey ownership of, or any legal right or title to, any asset, account, property, or digital asset
• Does not override, amend, or substitute for any will, trust, beneficiary designation, or applicable intestacy (inheritance) law
• Is not legal evidence of your intent for purposes of probate or estate administration, except to whatever extent a court in your jurisdiction may independently decide

9.2 Delivery of Access Information Is Not a Transfer of Ownership

If you use the Service to deliver credentials, keys, or access information (see Section 6.1), you acknowledge that giving someone the ability to access an asset is not the same as giving them the legal right to own it. Ownership and inheritance of your assets — including cryptocurrency and other digital assets — are determined exclusively by applicable law and your valid estate planning documents, not by the Service.

A recipient who uses delivered access information to take control of assets that lawfully belong to your estate or your heirs may be acting unlawfully and may be liable to your estate, your heirs, or other third parties. myAngelVault:

• Does not instruct, encourage, or authorize any recipient to take possession of any asset
• Has no ability to supervise, prevent, or reverse any action taken by a recipient
• Bears no responsibility or liability for disputes between recipients, heirs, estate representatives, or any other persons, or for any loss to your estate or heirs arising from a recipient's use of delivered information

9.3 Your Responsibility to Align the Service with Your Estate Plan

You are solely responsible for ensuring that your use of the Service is consistent with your will, trust, beneficiary designations, and the inheritance laws applicable to you. We strongly recommend that you consult a qualified estate planning attorney in your jurisdiction, particularly before storing financial access information or digital asset credentials.

9.4 No Fiduciary Relationship

myAngelVault is not your executor, trustee, custodian, escrow agent, agent, or fiduciary of any kind. Nothing in these Terms or in your use of the Service creates any fiduciary duty on our part toward you, your estate, your heirs, your recipients, or any other person.

10. Prohibited Use

You may not use the Service to:

• Violate any applicable laws or regulations
• Harass, threaten, harm, or defame others, including composing messages intended to torment, menace, or abuse a recipient
• Impersonate any individual or entity
• Upload content you do not have the right to upload
• Upload content that is illegal, defamatory, infringing, or harmful
• Upload, store, or transmit child sexual abuse material (CSAM) or any content depicting the sexual exploitation of minors
• Upload, store, or transmit content that promotes, incites, or glorifies terrorism or violent extremism
• Upload, store, or transmit content that infringes the intellectual property rights of any third party, including copyrights, trademarks, patents, and trade secrets
• Store or transmit credentials or access information belonging to accounts you do not own or have no lawful right to access
• Circumvent, or attempt to circumvent, the lawful rights of your heirs or estate, or use the Service to conceal assets or evade legal obligations
• Engage in fraudulent or abusive behavior
• Distribute malware or attempt to compromise the Service
• Reverse-engineer, decompile, or attempt to extract source code from the Service
• Use the Service for the planning or facilitation of any illegal activity
• Use automated means (bots, scrapers) to access or interact with the Service without our prior written consent

We reserve the right to remove content and suspend or terminate accounts that violate these prohibitions, in accordance with Section 11 and applicable law.

11. Illegal and Infringing Content

11.1 Nature of the Service

User Content stored on myAngelVault is private by design. Content is accessible only to the user who uploaded it, and — upon delivery — to the designated recipients. There is no public-facing content, no social feed, and no ability for users to view or access other users' content.

myAngelVault acts as a hosting service provider within the meaning of Regulation (EU) 2022/2065 (the "Digital Services Act" or "DSA"), Directive 2000/31/EC (the "E-Commerce Directive"), the Hungarian Act CVIII of 2001 on Electronic Commerce Services, and — for purposes of United States copyright law — an online service provider within the meaning of 17 U.S.C. § 512 (the "DMCA").

In accordance with these regulations, myAngelVault does not impose upon itself a general obligation to monitor User Content or to actively seek facts or circumstances indicating illegal activity.

11.2 How Illegal Content May Come to Our Attention

Due to the private nature of the Service, illegal content may come to our attention through:

• Recipients who receive delivered content and identify it as illegal
• Infrastructure providers (e.g., Microsoft Azure) that perform automated scanning of stored data (e.g., CSAM detection technologies)
• Law enforcement or judicial authorities who issue lawful orders or requests
• Rights holders who identify infringing content in delivered materials

11.3 Reporting Illegal Content (All Jurisdictions)

If you believe that content stored on or delivered through the Service is illegal — including but not limited to child sexual abuse material or terrorist content — you may submit a notice to:

A valid notice should include:

• A sufficiently substantiated explanation of why the content is considered illegal
• A clear indication of the content's location or context (e.g., delivery link, user identifier), if available
• Your name and contact information
• A statement confirming the good faith basis of the notice

11.4 Copyright Infringement Notices (DMCA — United States)

If you are a copyright owner (or authorized to act for one) and believe that content delivered through the Service infringes your copyright, you may submit a notification under the Digital Millennium Copyright Act to our Designated Agent:

myAngelVault Kft.

Dombhát utca 7., 2011 Budakalász, Hungary

Email: legal@myangelvault.com

To be effective under 17 U.S.C. § 512(c)(3), your notification must include substantially the following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright allegedly infringed
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate the material (e.g., the delivery link through which you accessed it)
• Your contact information (address, telephone number, and email address)
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner

Misrepresentations in a notice or counter-notification may result in liability under 17 U.S.C. § 512(f).

11.5 Our Response to Notices

Upon receipt of a valid notice or lawful order regarding illegal or infringing content, we will:

1. Acknowledge receipt without undue delay

2. Assess the notice in a diligent, non-arbitrary, and objective manner

3. Where warranted, take appropriate action, which may include removal of, or disabling access to, the reported content

4. Notify the affected user of the action taken and the reasons therefor, unless prohibited by law or by a competent authority

For content subject to mandatory removal obligations — including terrorist content (Regulation (EU) 2021/784) — we will act within the timeframes prescribed by applicable law.

11.6 User Notification and Objection

If your content has been removed or restricted based on a notice or automated detection, and you believe this was done in error, you may submit a reasoned objection to legal@myangelvault.com. We will review objections and respond in accordance with applicable law.

11.7 Cooperation with Authorities

We cooperate with competent law enforcement and judicial authorities in accordance with applicable law. We disclose User Content or account information only pursuant to a valid legal order or where we determine in good faith that disclosure is required by applicable law, or is necessary to protect against imminent threats to life or public safety. Where legally permitted, we will notify the affected user of such requests.

11.8 Repeat Infringers

We maintain a policy of terminating, in appropriate circumstances, the accounts of users who are repeat infringers of intellectual property rights or who repeatedly upload illegal content.

12. No Advice; No Professional Services

The Service does not provide legal, medical, psychological, financial, tax, estate planning, or other professional advice or services.

All content delivered through the Service is user-generated. Users are responsible for consulting qualified professionals regarding any decisions related to estate planning, healthcare directives, financial matters, or other legally significant arrangements.

The Service is not a substitute for a legally binding will, testament, trust, or other estate planning instrument under any jurisdiction (see Section 9).

13. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) ANY DELIVERY WILL OCCUR, OR WILL OCCUR AT ANY PARTICULAR TIME OR UNDER ANY PARTICULAR CIRCUMSTANCES; (B) THE HEARTBEAT OR MONITORING FEATURES WILL CORRECTLY REFLECT YOUR ACTUAL STATUS; (C) STORED CONTENT WILL REMAIN ACCESSIBLE, UNCORRUPTED, OR AVAILABLE FOR ANY PARTICULAR PERIOD; OR (D) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IF YOU ARE A CONSUMER IN THE EU/EEA, YOUR STATUTORY WARRANTY RIGHTS ARE DESCRIBED IN ANNEX A AND ARE NOT LIMITED BY THIS SECTION.

14. Limitation of Liability

14.1 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MYANGELVAULT KFT., ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR DAMAGES FOR EMOTIONAL DISTRESS OR MENTAL ANGUISH, LOSS OF DATA, LOSS OF PROFITS, LOSS OF GOODWILL, OR LOSS OF EXPECTED INHERITANCE OR ESTATE VALUE, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

14.2 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD 100).

14.3 Specific Exclusions

Without limiting the generality of the above, myAngelVault shall not be liable for:

• Loss or damage arising from the storage or delivery of sensitive credentials, passwords, financial access data, or cryptocurrency keys (see Sections 6.1 and 9)
• Consequences of premature, delayed, failed, or erroneous delivery of User Content, including deliveries triggered while you are alive
• Emotional distress, grief, or psychological harm experienced by you, any recipient, or any third party in connection with the content of delivered messages or the fact or timing of their delivery (see Section 8.3)
• Actions, decisions, or interpretations by recipients or Guardians upon receiving User Content, including any use or misuse of delivered access information
• Claims by heirs, estate representatives, or other third parties relating to inheritance, probate, or the disposition of assets (see Section 9)
• Unauthorized access to content resulting from compromised user credentials or devices

14.4 Limitations Under Applicable Law

Some jurisdictions do not allow the exclusion or limitation of certain damages or liability. In such jurisdictions, our liability is excluded and limited to the maximum extent permitted by law. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including (where applicable) liability for intentional misconduct or gross negligence, or for death or personal injury caused by our negligence.

14.5 Basis of the Bargain

You acknowledge that the disclaimers and limitations in Sections 13 and 14 reflect a reasonable allocation of risk between you and us, are a fundamental element of the basis of the bargain between you and us, and that the Service's pricing would be materially different without them.

15. Indemnification

You agree to indemnify, defend, and hold harmless myAngelVault Kft., its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Service
• Your User Content, including its delivery to recipients and its emotional, financial, or legal effect on any person
• Claims brought by your recipients, your heirs, your estate, or other third parties in connection with content you stored or configured for delivery, including claims relating to inheritance or the use of delivered access information
• Your violation of these Terms
• Your violation of any rights of a third party
• Your provision of inaccurate, misleading, or unlawful information to the Service (including third-party contact details you had no right to provide)

16. Termination and Account Lifecycle

16.1 Termination by You

You may stop using the Service or delete your account at any time. Upon account deletion:

• Your User Content will be permanently deleted within 30 days
• Pending scheduled deliveries will be canceled
• Your designated Guardian will be notified of the account closure
• You will lose access to all stored content; this action is irreversible

16.2 Termination by Us

We may suspend or terminate access for violations of these Terms, fraudulent activity, illegal content, or as required by law. Where reasonably possible, we will provide advance notice and an opportunity to remedy the violation.

In cases involving manifestly illegal content (e.g., CSAM, terrorist content), we may suspend access immediately without prior notice.

16.3 Expiry, Grace Period, and Data Deletion

If your paid subscription is not renewed, your account enters a grace period (currently 30 days) during which you can view but not edit your vault. If the subscription is not reinstated, the account becomes expired, and approximately 90 days after expiry your account and all User Content are permanently deleted. We send warning notifications before deletion.

16.4 Service Continuity and Discontinuation

The Service depends on third-party infrastructure and service providers (including cloud hosting, payment processing, email delivery, and push notification services) that are outside our direct control. While we make reasonable efforts to ensure continuity, we cannot guarantee the perpetual availability of the Service or any of its components.

You acknowledge that:

• The long-term operation of the Service depends on the continued availability and commercial viability of third-party providers
• Catastrophic events, prolonged infrastructure outages, business insolvency, or regulatory changes may affect the Service's ability to fulfill future deliveries
• The Service should be used as a complementary tool alongside traditional legal instruments, not as your sole means of leaving important information behind

• notify you by email at least six (6) months before the Service is discontinued;
• keep your vault accessible during that entire period, including the ability to download a complete copy of your content ("Download My Vault");
• provide a pro-rata refund of any prepaid subscription fees covering the period after discontinuation; and
• permanently delete all User Content after the shutdown date in accordance with our Privacy Policy.

This commitment does not apply where discontinuation is required by law, court order, or events beyond our reasonable control (including the involuntary events described above, such as insolvency or force majeure), in which case we will make commercially reasonable efforts to provide as much advance notice, content-retrieval opportunity, and refund as circumstances permit.

16.5 Account Inactivity and Heartbeat Monitoring

The core functionality of the Service involves periodic activity verification (the "Heartbeat" system). Failure to respond to verification prompts may, after multiple confirmation steps, trigger the delivery mechanisms you have configured. By using the Service, you understand and accept this design.

17. Dispute Resolution; Binding Arbitration and Class Action Waiver (United States)

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES WITH MYANGELVAULT ON AN INDIVIDUAL BASIS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF, UNLESS YOU OPT OUT AS DESCRIBED IN SECTION 17.8.

17.1 Informal Dispute Resolution First

Before initiating any arbitration or court proceeding, you and we each agree to first try to resolve the dispute informally. You must send a written Notice of Dispute to legal@myangelvault.com (or by mail to myAngelVault Kft., Dombhát utca 7., 2011 Budakalász, Hungary) that includes: your name, the email address associated with your account, a description of the dispute, and the specific relief you seek. We will send any Notice of Dispute to the email address associated with your account.

If requested by either party, the parties will engage in a good-faith, individualized telephone or video conference to attempt to resolve the dispute. If the dispute is not resolved within 60 days after the Notice of Dispute is received, either party may commence arbitration as set out below. Completion of this informal process is a condition precedent to initiating arbitration. Any applicable statute of limitations is tolled during the informal resolution period.

17.2 Agreement to Arbitrate

You and myAngelVault agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Privacy Policy, the Content & Delivery Disclaimer, or the Service — including their formation, interpretation, breach, or termination, and including claims based on contract, tort, statute, fraud, or any other legal theory — shall be resolved exclusively by final and binding arbitration on an individual basis, rather than in court, except as provided in Sections 17.3 (small claims) and 17.8 (opt-out).

This Arbitration Agreement is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and evidences a transaction involving interstate commerce.

17.3 Small Claims Exception; Injunctive Relief

Either party may bring an individual claim in small claims court in the county (or comparable jurisdiction) of your residence, if the claim qualifies for that court. In addition, either party may seek temporary injunctive relief from a court of competent jurisdiction to prevent irreparable harm (including infringement or misuse of intellectual property or unauthorized access to the Service) pending arbitration.

17.4 Arbitration Procedure

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (and, where applicable, its Mass Arbitration Supplementary Rules) in effect at the time the arbitration is commenced, as modified by this Section 17. The AAA rules are available at www.adr.org.

• The arbitration will be conducted by a single, neutral arbitrator
• The arbitration will be held in the county of your residence, or, at your election, conducted remotely by videoconference or telephone, or decided on the basis of written submissions
• Payment of filing, administration, and arbitrator fees will be governed by the AAA's Consumer Arbitration Rules; if your claim is for less than USD 10,000 and you demonstrate that the costs of arbitration would be prohibitive compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive
• The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this Arbitration Agreement, except that the enforceability of the Class Action Waiver in Section 17.6 shall be decided by a court
• The arbitrator may award the same individual relief that a court could award, including individual injunctive relief where the applicable law allows, and must apply the limitations of liability in Section 14 to the extent enforceable
• Judgment on the arbitration award may be entered in any court of competent jurisdiction

17.5 Jury Trial Waiver

TO THE EXTENT ANY DISPUTE PROCEEDS IN COURT RATHER THAN ARBITRATION, YOU AND MYANGELVAULT EACH WAIVE ANY RIGHT TO A JURY TRIAL, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

17.6 Class Action Waiver

YOU AND MYANGELVAULT AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. If this Class Action Waiver is found unenforceable as to a particular claim or request for relief, then that claim or request (and only that one) shall be severed from arbitration and decided by a court, while all remaining claims proceed in arbitration.

17.7 Mass Arbitration

If 25 or more similar demands for arbitration are filed against us by or with the assistance of the same law firm or coordinated counsel, the parties agree that the arbitrations will be administered in accordance with the AAA's Mass Arbitration Supplementary Rules, including staged, batched proceedings, and that the informal dispute resolution requirement of Section 17.1 applies individually to each claimant.

17.8 30-Day Opt-Out Right

17.9 Severability and Survival

Except as stated in Section 17.6, if any portion of this Section 17 is found unenforceable, the remaining portions shall remain in effect. This Section 17 survives termination of your account or these Terms.

17.10 One-Year Limitation on Claims

To the extent permitted by applicable law, any claim arising out of or relating to the Service or these Terms must be filed within one (1) year after the claim accrued; otherwise, the claim is permanently barred. This limitation does not apply where prohibited by the law of your state of residence.

18. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Hungary, without regard to its conflict of law provisions — except that, for users in the United States, the Federal Arbitration Act governs Section 17, and the consumer protection laws of your state of residence apply to the extent they cannot be derogated from by agreement.

For any dispute that is not subject to arbitration under Section 17 (including disputes involving users who validly opted out), the parties submit to the jurisdiction of the competent courts of Budapest, Hungary — except where mandatory law provides otherwise:

• If you are a consumer residing in the European Union, you may bring proceedings in the courts of your country of residence, and you always retain the protection of the mandatory consumer protection provisions of that country
• If you are a consumer residing in the United States, Canada, or another jurisdiction, nothing in these Terms deprives you of the protection of the mandatory consumer protection laws of your jurisdiction or of any non-waivable right to bring claims in your local courts

Information for EU/EEA consumers about out-of-court dispute resolution is set out in Annex A.

19. Miscellaneous

19.1 Entire Agreement

These Terms, together with the Privacy Policy, the Content & Delivery Disclaimer, and the Cookie Policy, constitute the entire agreement between you and myAngelVault regarding the Service.

19.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

19.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

19.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction, including in connection with a merger, acquisition, or sale of assets, provided the assignee assumes our obligations under these Terms.

19.5 Force Majeure

We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including natural disasters, war, terrorism, governmental action, network failures, or third-party service outages.

19.6 Language

These Terms are drafted in English. In the event of any inconsistency between the English version and any translation, the English version shall prevail to the extent permitted by applicable law.

19.7 Survival

Sections 6.1, 8.3, 9, 13, 14, 15, 17, 18, and 19 survive any termination of these Terms or your account.

20. Changes to Terms

We may update these Terms from time to time. The updated version becomes effective upon publication, with the "Effective date" updated accordingly.

For material changes, we will provide reasonable advance notice (typically 30 days) via email or in-app notification. Continued use of the Service after the effective date of updated Terms constitutes acceptance of the updated Terms. If a material change adds or expands an arbitration provision, you will have a new 30-day opt-out window as described in Section 17.8.

21. Service Provider and Contact Information

The Service is provided by:

Limited liability company registered in Hungary

Registered office: 2011 Budakalász, Dombhát utca 7., Hungary

Company registration number: 13-09-246835

Tax ID: 33038746-2-13

EU VAT number: HU33038746

General inquiries: getintouch@myangelvault.com

Legal notices, DMCA notices, and illegal content reports: legal@myangelvault.com

Annex A — Information for Consumers in the EU/EEA

This Annex applies to you only if you are a consumer residing in the European Union or the European Economic Area. It provides the information required by EU consumer protection law (including Directive 2011/83/EU) and Hungarian law (including Government Decree 45/2014. (II. 26.)). In the event of a conflict between this Annex and the rest of these Terms, this Annex prevails for EU/EEA consumers.

A.1 Right of Withdrawal

You have the right to withdraw from your subscription contract within 14 days without giving any reason. The withdrawal period expires 14 days after the day of the conclusion of the contract (the day you complete your subscription purchase).

To exercise the right of withdrawal, you must inform us — myAngelVault Kft., 2011 Budakalász, Dombhát utca 7., Hungary, email: getintouch@myangelvault.com — of your decision to withdraw from the contract by an unequivocal statement (for example, an email). You may use the model withdrawal form in Section A.2, but it is not obligatory. To meet the withdrawal deadline, it is sufficient to send your communication before the withdrawal period has expired.

Because the free trial requires no payment, the withdrawal right is relevant only to paid subscription purchases.

A.2 Model Withdrawal Form

(Complete and return this form only if you wish to withdraw from the contract.)

To: myAngelVault Kft., 2011 Budakalász, Dombhát utca 7., Hungary — getintouch@myangelvault.com

I hereby give notice that I withdraw from my contract for the provision of the following service: myAngelVault subscription.

• Ordered on: [date]
• Name of consumer: [name]
• Address of consumer: [address]
• Email address associated with the account: [email]
• Signature of consumer (only if this form is notified on paper): [signature]
• Date: [date]

A.3 Statutory Warranty (Conformity of Digital Services)

As a consumer in the EU/EEA, you are entitled to the statutory conformity guarantees for digital content and digital services under Directive (EU) 2019/770 and the implementing law of your country of residence (in Hungary: the Civil Code and Government Decree 373/2021. (VI. 30.)). This means the Service must conform to the contract for the duration of your subscription; if it does not, you may request that it be brought into conformity, or — under the conditions set by law — a proportionate price reduction or termination of the contract. These statutory rights are not limited by anything in these Terms, and their exercise is free of charge.

A.4 Out-of-Court Complaint and Redress Mechanisms

If you have a complaint, please contact us first at getintouch@myangelvault.com — most issues can be resolved quickly and informally. If we cannot resolve your complaint, the following options are available:

• Conciliation body (békéltető testület): You may initiate proceedings before the conciliation body competent for your place of residence in Hungary or, in the absence of a Hungarian residence, the body competent for our registered seat: Pest Vármegyei Békéltető Testület (website: www.pestmegyeibekelteto.hu). Conciliation bodies provide a free, out-of-court procedure for consumer disputes. We will cooperate in such proceedings as required by law.
• Consumer protection authority: You may lodge a complaint with the Hungarian consumer protection authority (fogyasztóvédelmi hatóság) or with the consumer protection authority of your country of residence.
• Courts: You may bring proceedings before the courts of your country of residence, as described in Section 18.

(Note: the European Commission's Online Dispute Resolution (ODR) platform was discontinued in July 2025 and is no longer available.)

A.5 Complaint Handling

You can submit complaints by email to getintouch@myangelvault.com. We respond to consumer complaints in writing within 30 days. If we reject a complaint, we will state the reasons and inform you of the available redress options described in Section A.4.