Terms & Conditions

Last updated 7 September 2026. These terms govern your use of Life 2 Legacies.

1. About Life 2 Legacies

Life 2 Legacies is a private digital vault service operated by Hindle Consultants Pty Ltd (ABN 82 776 195 367), registered in Queensland, Australia (“we”, “us”, “Hindle Consultants”). By creating an account you agree to these terms.

2. The service

Life 2 Legacies allows you to store, organise, and share personal, medical, legal, and estate information in an encrypted digital vault. The service includes:

Encrypted vault storage for personal and estate information
Contact management and emergency access (ICE) grants
Living care access for trusted people while you are alive
Life Messages — date-based personal messages
Legacy video messages tied to your continuity switch
Will template wizard (draft document tool only — not legal advice)
AI-guided life story and ancestry sessions
Family plan allowing two independent vaults under one subscription

3. Not legal or medical advice

Life 2 Legacies is a documentation and storage tool. Nothing on this platform constitutes legal advice, medical advice, financial advice, or estate planning advice. In particular:

The will template produces a draft document only. It has no legal effect until it is properly executed (signed and witnessed) in accordance with the laws of your jurisdiction. You must consult a solicitor.
DNR, advance care directive, and medical preference documents must be reviewed and signed by an appropriate medical or legal practitioner to have legal effect.
We make no representation about the legal validity of any document generated or stored through the service.

4. Your account

You must be 18 or over to create an account.
You are responsible for maintaining the security of your password and two-factor authentication credentials.
You must not share your login credentials with anyone except through the co-holder or Family plan mechanisms provided.
You are responsible for all activity on your account.
You must provide accurate information when creating your account.

5. Subscription and billing

Life 2 Legacies is available as an Individual or Family annual subscription. A 14-day free trial is provided, with no credit card required during the trial period.

Subscriptions are billed annually and renew automatically unless cancelled.
You may cancel at any time via Settings → Billing. Cancellation takes effect at the end of the current billing period.
We do not offer refunds for partial subscription periods.
Prices are shown in your local currency and may vary by country. Stripe processes all payments.
We reserve the right to change subscription prices with 30 days’ notice. Existing subscribers will be notified by email.

6. Your content

You own everything you store in your vault. We do not claim any rights over your content. You grant us a limited licence to store, encrypt, and transmit your content solely to provide the service.

You must not use Life 2 Legacies to store content that:

Violates any law or regulation
Infringes any third-party intellectual property rights
Contains malware or harmful code
Is used to harass or harm any person

7. Data and encryption

Your vault content is encrypted at the field level. We cannot read the contents of your vault items. You are responsible for maintaining access to your authentication credentials — if you lose your password and two-factor authentication access, we cannot recover your vault content.

8. ICE access and contacts

By enabling ICE access for a contact, you authorise them to request access to your vault after a delay period you set. You acknowledge that once the delay period passes, access is granted automatically unless you actively block the request. You are responsible for selecting appropriate contacts and setting appropriate delay periods.

9. AI-guided sessions

Life Story and Ancestry guide sessions use Anthropic’s Claude AI. During a session, your conversation is sent to Anthropic’s API for processing. By using the guided session feature you consent to this. Session content is not stored by Anthropic beyond the API request. Do not include highly sensitive information (account numbers, passwords, medical records) in AI guide conversations — use the vault fields for that.

10. Service availability

We aim for high availability but do not guarantee uninterrupted access. We may perform maintenance, updates, or experience outages. We are not liable for any loss resulting from service unavailability.

11. Limitation of liability

To the maximum extent permitted by law, Hindle Consultants Pty Ltd is not liable for:

Any loss of vault content resulting from account compromise due to failure to maintain secure credentials
Any legal, medical, or financial consequences arising from documents created or stored through the service
Any indirect, consequential, or incidental loss
Loss of data due to events outside our reasonable control

Our total liability to you in any calendar year is limited to the subscription fees paid by you in that year.

12. Termination

You may delete your account at any time via Settings → Delete my data. We may suspend or terminate accounts that violate these terms, with notice where reasonably practicable. On termination, your encrypted data is deleted within 30 days.

13. Governing law

These terms are governed by the laws of Queensland, Australia. Disputes will be resolved in the courts of Queensland, except where mandatory consumer protection laws in your jurisdiction apply.

14. Changes to these terms

We may update these terms. Material changes will be notified by email with 14 days’ notice. Continued use after that date constitutes acceptance of the updated terms.

15. Contact

Hindle Consultants Pty Ltd
36 Park Cove Boulevard, Hope Island QLD 4212, Australia
support@life2legacies.com

Glossary of Terms

Definitions of terms used across Life 2 Legacies, and jurisdiction-specific legal terms where relevant.

Platform Terms

ICE (In Case of Emergency): A trusted contact you designate who may request emergency access to your vault. You set a delay period (e.g. 72 hours); if you do not block the request within that window, access is granted automatically. ICE contacts see only the categories you have explicitly shared with them.
Living Care Access: A form of ICE access intended for use while you are alive — for example, granting a carer, partner, or family member visibility into your medical, financial, or personal information so they can act on your behalf without needing your login credentials.
Continuity Switch: A mechanism that, once triggered (either by you deliberately or by your ICE contacts confirming your passing), releases your Legacy video messages and unlocks full posthumous access for your designated recipients. The switch is irreversible once confirmed by a quorum of your ICE contacts.
Co-holder: A second person — typically a spouse or partner — who holds their own independent vault under the same Family plan subscription. A co-holder has a separate login, separate encryption keys, and separate ICE contacts. They do not automatically have access to your vault unless you grant it.
Vault: Your private encrypted repository within Life 2 Legacies. Vault items are encrypted at rest using AES-256 envelope encryption (AWS KMS). Hindle Consultants cannot read your vault content.
Legacy Book: A printable or downloadable summary of selected vault categories, formatted as a document your executor or family can use. The Legacy Book is generated on demand and is not stored on our servers.
Life Messages: Text or media messages you schedule to be delivered to specific contacts on a future date — for example, a birthday message for years to come, or a letter to be opened on a milestone date.
Legacy Video Messages: Video recordings you upload to be delivered to your nominated contacts after your Continuity Switch is triggered. These are stored encrypted and are released only upon switch activation.

General Estate & Legal Terms

Testator: The person who makes a will. You are the testator of any will document you create using the Life 2 Legacies will template.
Executor: The person named in a will who is responsible for administering the estate — locating assets, paying debts, and distributing the estate to beneficiaries according to the will. Also called a "personal representative" in some jurisdictions.
Testamentary Capacity: The legal and mental ability to make a valid will. A testator must understand the nature of making a will, know the extent of their estate, understand who might reasonably expect to benefit, and not be suffering from a disorder that distorts their judgment.
Beneficiary: A person or organisation named to receive a gift (bequest) from an estate under a will, or designated to receive an asset such as superannuation or life insurance outside of the will.
Estate: All property, assets, and liabilities that a person owns or owes at the time of their death, which are subject to administration and distribution.
Probate: The legal process by which a court confirms the validity of a will and authorises the executor to administer the estate. Not all assets require probate (e.g. jointly held property, nominated superannuation).
Enduring Power of Attorney (EPOA): A legal document authorising another person (the attorney) to make financial, legal, or personal/health decisions on your behalf. "Enduring" means the authority continues even if you lose capacity. Requirements and terminology vary by jurisdiction.
Advance Care Directive (ACD): A document setting out your wishes for medical treatment in circumstances where you cannot communicate them. Also called an Advance Health Directive, Living Will, or Advance Decision depending on jurisdiction.
Intestate / Intestacy: Dying without a valid will. Intestacy rules (which vary by jurisdiction) dictate how your estate is distributed — typically to a spouse, then children, then other relatives — regardless of your wishes.
Residuary Estate: What remains of your estate after specific gifts, debts, taxes, and administration costs have been paid. The residuary clause in a will directs who receives whatever is left over.

Jurisdiction-Specific Terms

The following terms have specific legal meanings in particular countries or regions. They are used in the will template and related guidance where applicable.

🇦🇺 Australia

Binding Death Benefit Nomination (BDBN): An instruction to your superannuation fund directing who receives your super death benefit. Superannuation does not automatically form part of your estate and is not controlled by your will unless the trustee exercises discretion or a valid BDBN is in place.
Family Provision Claim: A legal challenge by an eligible person (e.g. spouse, child, dependant) who believes they have not been adequately provided for in a will. Courts can alter the distribution of an estate if a claim succeeds.
Joint Tenancy: A form of co-ownership where, on the death of one owner, their share passes automatically to the surviving owner(s) by right of survivorship — it does not form part of the deceased's estate and is not affected by the will.
Tenancy in Common: A form of co-ownership where each owner holds a defined share that does form part of their estate and can be left by will.

🇳🇿 New Zealand

Family Protection Act 1955: New Zealand legislation allowing certain family members (spouse, children, dependants) to claim adequate provision from an estate. Similar to Australian family provision claims.
Relationship Property: Property acquired during a qualifying relationship (generally marriage, civil union, or de facto relationship of 3+ years) which may be subject to equal sharing under the Property (Relationships) Act 1976 — separate from estate distribution.

🇬🇧 United Kingdom (England & Wales)

Testamentary Freedom: The general principle in England and Wales that you may leave your estate to whomever you wish. However, the Inheritance (Provision for Family and Dependants) Act 1975 allows certain relatives and dependants to apply for reasonable financial provision if the will fails to provide it.
Grant of Probate: The official document issued by the Probate Registry confirming the validity of a will and the executor's authority to administer the estate.
Letters of Administration: Issued when there is no valid will (intestacy) or no executor willing and able to act. Grants authority to an administrator to manage the estate.

🏴󠁧󠁢󠁳󠁣󠁴󠁿 Scotland

Prior Rights: Rights that a surviving spouse or civil partner has to claim from a deceased's estate before the will takes effect — including a right to the family home (up to a statutory limit), furniture, and a financial provision. Applies on intestacy; may also interact with a will.
Legal Rights (Legitim): A fixed entitlement under Scots law: a surviving spouse or civil partner may claim one-third of the deceased's net moveable estate (one-half if there are no children), and children may claim one-third (one-half if there is no surviving spouse). Legal rights cannot be defeated by a will.
Confirmation: The Scottish equivalent of probate — the process by which the Sheriff Court confirms an executor's authority to ingather and distribute the estate.

🇮🇪 Ireland

Legal Right Share: Under the Succession Act 1965, a surviving spouse or civil partner is entitled to a minimum share of the estate (one-half if there are no children; one-third if there are children) regardless of what the will provides. Children have no automatic legal right share but may apply to court.
Grant of Probate / Letters of Administration: Issued by the Probate Office of the High Court. The process is similar to England and Wales but governed by Irish law.

🇨🇦 Canada

Certificate of Appointment of Estate Trustee: The Ontario term for probate — court confirmation of a will and the estate trustee's authority. Other provinces use different terminology (e.g. "Grant of Probate" in British Columbia, "Probate" in Alberta).
Dependant's Relief: Most Canadian provinces allow dependants (spouse, children, other dependants) to claim adequate support from an estate if the will fails to provide it.
Registered Accounts (RRSP / TFSA / RRIF): Registered savings accounts that pass directly to a named beneficiary or successor holder on death — they generally do not form part of the estate and are not controlled by the will.

🇸🇬 Singapore

Intestate Succession Act: Governs distribution of an estate when a non-Muslim person dies without a valid will. The distribution order is: spouse, children, parents, siblings, and so on.
Muslim Inheritance (Faraid): For Muslims domiciled in Singapore, estate distribution follows Faraid (Islamic inheritance law) administered under the Administration of Muslim Law Act. A conventional will may still be used for non-estate assets and specific bequests permitted under Faraid.
CPF Nomination: Central Provident Fund balances do not form part of the estate and are not distributed by will. You must make a separate CPF nomination to direct those funds; without one, they are distributed under the Intestate Succession Act via the Public Trustee.

🇿🇦 South Africa

Intestate Succession Act 81 of 1987: Determines who inherits when there is no valid will, following a specific order: spouse, descendants, parents, siblings.
Accrual System: A matrimonial property regime where each spouse's estate grows independently during the marriage; on death or divorce, the spouse with the smaller accrual has a claim against the larger. Affects what forms part of your estate.
Master of the High Court: The government office responsible for supervising the winding-up of deceased estates in South Africa. All estates must be reported to the Master within 14 days of death.

🇺🇸 United States

Probate: The court-supervised process of validating a will and administering an estate. Rules vary significantly by state. Many assets (retirement accounts, life insurance, jointly-held property) pass outside of probate.
Revocable Living Trust: A trust created during your lifetime that holds assets and passes them to beneficiaries on your death without going through probate. A common estate planning tool in the US.
Elective Share / Forced Heirship: Most US states give a surviving spouse the right to claim a minimum share (commonly one-third) of the estate even if the will provides less. Louisiana applies forced heirship rules to certain descendants.
Beneficiary Designations: Named beneficiaries on accounts such as 401(k), IRA, and life insurance policies receive those assets directly on death — outside the will. Keeping designations current is critical as they override the will.
Durable Power of Attorney: US equivalent of an Enduring Power of Attorney — authorises an agent to make financial and/or healthcare decisions on your behalf if you become incapacitated.

The definitions above are for general guidance only and do not constitute legal advice. Laws change and vary by jurisdiction. Always consult a qualified solicitor, attorney, or notary in your jurisdiction before executing any legal document.