Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Keystone Estate Planning ("we", "us", "our") governing your use of our online legal document assembly platform.

Age Requirement

You must be at least 18 years old to use our services. This is both a contractual requirement and a legal necessity, as:

• The minimum age to make a valid Will in England and Wales is 18 (except for members of the armed forces on active service)
• The minimum age to create a Lasting Power of Attorney is 18
• You must have legal capacity to enter into a binding contract

Acceptance by Use

By accessing or using our website, creating an account, or purchasing our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use our services.

2. Services Provided

Keystone Estate Planning provides an online legal document assembly platform that enables users to create:

How Our Service Works

1. Guided Questionnaire: You answer a series of questions about your circumstances and wishes
2. Document Assembly: Our software automatically generates your legal document based on your answers
3. Review & Download: You review the generated document and can make amendments as needed
4. Execution Guidance: We provide clear instructions on how to properly sign and witness your documents to make them legally valid
5. Secure Storage: Your documents are stored securely in your account for future access
6. OPG Registration (LPAs only): We provide pre-filled OPG forms and guidance for registration

Additional Services

• Document Updates: You may update your documents at any time (separate fee may apply)
• Customer Support: Email support for technical and general questions
• Educational Resources: Guides and FAQs to help you understand estate planning
• Postal Service (Optional): Professional printing and delivery via Docmail

3. What We Are NOT

When You Should Seek Legal Advice

We strongly recommend seeking independent legal advice from a qualified solicitor if:

• Your estate is complex or substantial (generally over £325,000)
• You have business interests, overseas property, or complex assets
• You wish to create trusts or make tax-efficient arrangements
• You have dependents with special needs or disabilities
• You wish to disinherit someone or make unequal distributions that might be contested
• You have concerns about mental capacity or undue influence
• You have been divorced or are in a complex family situation
• You are unsure about any aspect of estate planning

Our Role

Our role is limited to:

• Providing a software platform for document assembly
• Asking questions to gather the information needed to create documents
• Generating documents based on your responses
• Providing general guidance on document execution and registration
• Storing your documents securely

We do not make decisions for you, and we do not assess whether our services are suitable for your circumstances.

4. User Responsibilities

By using our services, you agree to the following responsibilities:

Accurate Information

Document Review

• Carefully review all generated documents before downloading or printing
• Check for errors or omissions that may have resulted from incorrect questionnaire responses
• Request amendments if needed before finalizing the document
• Understand that once you download a document, you accept it as correct

Proper Execution

Your documents are not legally valid until properly executed. You must:

• Wills: Sign in the presence of two independent witnesses who must also sign (Wills Act 1837)
• LPAs: Follow the specific signing and witnessing requirements set out in the Mental Capacity Act 2005
• Registration (LPAs only): Submit completed forms to the Office of the Public Guardian for registration
• Carefully follow the execution instructions we provide with your documents

Account Security

• Maintain the confidentiality of your account credentials
• Use a strong, unique password
• Do not share your account access with others
• Notify us immediately if you suspect unauthorized access
• Log out after using shared or public computers

Prohibited Uses

You must NOT:

• Use our services for any unlawful purpose
• Provide false or misleading information
• Attempt to access other users' accounts or data
• Reverse engineer, decompile, or disassemble our software
• Use automated systems (bots, scrapers) to access our services
• Resell or redistribute our documents or services
• Violate any applicable laws or regulations

5. Intellectual Property

Our Intellectual Property

The following are owned by Keystone Estate Planning and protected by copyright, trademark, and other intellectual property laws:

• Website design, layout, and graphics
• Software code and algorithms
• Questionnaire content and logic
• Document templates and formatting
• Educational content, guides, and FAQs
• Keystone Estate Planning name, logo, and branding

You may not copy, reproduce, distribute, modify, or create derivative works from any of our intellectual property without our express written permission.

Your Content

You retain ownership of all information and content you provide to us, including:

• Personal information entered in questionnaires
• Specific provisions and wishes in your documents
• Communications with our support team

License to Use Your Content

By using our services, you grant us a limited license to use your content solely for the purposes of:

• Providing our document assembly services
• Generating and storing your documents
• Providing customer support
• Complying with legal obligations

This license terminates when you delete your account, subject to our legal retention obligations.

Your Generated Documents

6. Pricing and Payment

Pricing

• All prices are displayed in British Pounds (GBP)
• Prices are fixed at the time of purchase
• We reserve the right to change prices at any time, but changes will not affect orders already placed
• Current prices are always available on our website

VAT Exemption

Payment Processing

• All payments are processed securely by Stripe
• We accept major credit and debit cards
• Payment is required before document generation
• We do not store your full payment card details
• Transaction receipts are sent via email

Payment Authorization

By providing payment information, you represent and warrant that:

• You are authorized to use the payment method
• The information you provide is accurate
• You will pay all charges incurred
• You will notify us immediately of any unauthorized charges

Failed Payments

If payment fails or is declined:

• We will notify you immediately
• You will have the opportunity to provide alternative payment
• Services will not be provided until payment is successful
• We may suspend or terminate your account for repeated payment failures

7. Cooling-Off Period (Consumer Contracts Regulations)

Under the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a 14-day cooling-off period to cancel your purchase and receive a full refund.

How the Cooling-Off Period Works

• Period Starts: From the date of purchase
• Duration: 14 calendar days
• Full Refund: If you cancel within this period before service begins
• No Reason Required: You do not need to provide a reason for cancellation

Express Consent and Waiver

8. Refund Policy

Full Refund - Before Document Generation

No Refund - After Document Download

9. Document Validity and Legal Standing

Wills

Lasting Powers of Attorney

10. Limitation of Liability

Liability Cap

Exceptions

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded or limited by law

11. Data Protection and Privacy

We are committed to protecting your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Privacy Policy

Our Privacy Policy, available at /privacy, provides comprehensive information about how we handle your data.

12. Account Termination

Termination by You

You may delete your account at any time through your account settings. Downloaded documents remain your property.

Data Export Before Deletion

13. Governing Law and Jurisdiction

Applicable Law

These Terms of Service shall be governed by and construed in accordance with the laws of England and Wales.

Jurisdiction

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute arising from these Terms.

14. Dispute Resolution

Contact Us First

15. Changes to These Terms

We reserve the right to modify these Terms of Service at any time.

Notice of Changes

• Material Changes: We will notify you by email and/or prominent notice on our website at least 30 days before changes take effect
• Minor Changes: We will update the "Last Updated" date at the top of these Terms

16. Contact Information

For questions, concerns, or support regarding these Terms or our services:

17. Miscellaneous Provisions

Severability

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

Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Keystone Estate Planning regarding our services.