Nexor Vault Terms of Service (DRAFT)

Version: [SET ON PUBLICATION — use the same YYYY-MM-DD scheme as privacy-policy.md so consent capture can reference both] Last updated: [DATE] — do not publish with placeholder Effective date: [DATE]

1. Acceptance of Terms

By creating an account or using Nexor Vault ("Service"), you agree to these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use the Service.

2. What Nexor Vault Is (and Isn't)

Nexor Vault is a software platform for financial account aggregation, document storage, and the preparation of draft estate-planning documents for review by a licensed attorney.

Nexor Vault is not a law firm, does not practice law, and does not provide legal advice or legal services. Using the Service does not create an attorney-client relationship between you and Nexor Vault, and nothing you enter into the Service is protected by the attorney-client privilege by virtue of being entered here.

The trust documents the Service produces are drafts, not finished legal instruments. They are assembled mechanically from templates and from the information you enter. The Service does not evaluate whether a trust is appropriate for you, whether the provisions you selected suit your circumstances, or whether a draft satisfies the law of your state. A document produced by the Service has no legal effect until it has been reviewed and finalized by an attorney licensed in your jurisdiction and executed in accordance with that jurisdiction's requirements. Do not sign, notarize, fund, or rely on a document produced by the Service before a licensed attorney has reviewed it.

You choose what goes in your document. Where the Service presents options — trust type, distribution ages, spendthrift or no-contest provisions, successor trustees, allocations — the selection is yours. Explanatory text shown alongside an option is general information about how such provisions are commonly used. It is not a recommendation that you choose it, not an opinion about your circumstances, and not a statement of what the law of your state requires.

Nexor Vault is not a registered investment adviser, broker-dealer, tax preparer, or CPA firm and does not provide investment, tax, or accounting advice. Estate-tax, amortization, and net-worth figures in the Service are estimates computed from the data you supply, for planning discussion only.

Attorneys who use the Service. Where a law firm uses Nexor Vault in the course of representing you, that firm — not Nexor Vault — is solely responsible for the legal advice given, for the final content and execution of your documents, and for its own professional obligations. Nexor Vault licenses software to the firm; it does not supervise or direct the firm's legal work, is not a party to your engagement with the firm, and does not share in the firm's legal fees. Fee arrangements with professional subscribers must stay on a flat software-licence footing — see the note on revenue-share in [legal-review-checklist.md.]

§2 is load-bearing for the unauthorized-practice-of-law risk. It must not be weakened without counsel sign-off, and counsel should confirm it meets the disclaimer requirements of each state Nexor Vault operates in — several states impose specific form, prominence, or registration conditions on legal-document software. See [legal-review-checklist.md §6.]

3. Eligibility and Accounts

You must be 18+ and able to form a binding contract to create an account.
You are responsible for the accuracy of information you provide, including any trust tax identifier and beneficiary designations you enter, and for maintaining the confidentiality of your login credentials.
Attorneys and CPAs using the professional portal represent that they hold an active, valid license in good standing in the jurisdiction(s) where they practice through the Service.

4. Financial Account Linking (Plaid)

By linking a financial account, you authorize Nexor Vault, through Plaid, to retrieve your account information as described in our Privacy Policy. You represent that you are authorized to grant this access (e.g., for joint accounts). Nexor Vault is not responsible for the accuracy of data provided by your financial institution or by Plaid, and outages at either are outside our control.

5. Trust Documents and E-Signatures

Every document the trust-builder produces is a draft. It is assembled from the inputs you provide and from a template. You are responsible for the accuracy of your inputs. Your attorney is responsible for the legal sufficiency of the final document and for confirming your jurisdiction's execution requirements (witnesses, notarization, recording).
Draft documents display signature blocks, notary acknowledgement blocks, and formal recitals. These appear so that the reviewing attorney can see the intended structure. Their presence does not mean a draft is complete, correct, or ready to sign.
Electronic signatures executed in the Service are intended to satisfy the U.S. ESIGN Act and applicable state UETA statutes. You must affirmatively agree to conduct business electronically before signing, per the in-product ESIGN consent step. Certain instrument types — including wills, codicils, and testamentary trusts — are carved out of ESIGN and of most state UETA enactments, and several states impose separate requirements for electronic wills and for remote online notarization. Do not assume a document signed in the Service satisfies your state's execution formalities; confirm with your attorney. Counsel must confirm which document types may be e-signed in-product and whether the in-product consent text needs to be narrowed — the current checkbox asserts binding effect generally. See [legal-review-checklist.md §7.]
Filings submitted to the IRS, state courts, or county recorders through the Service are transmitted based on the information and documents you and/or your attorney provide; Nexor Vault does not independently verify legal sufficiency of filings, and filing status shown in the Service reflects what you or your attorney recorded, not an independent confirmation from the agency.

6. Access-Sharing Feature

You may grant other users (attorneys, family, advisors) scoped, section-level access to your vault. You are responsible for whom you grant access to and at what level. Grantee views of your shared dashboard, document listings, and document downloads are recorded in an audit log. Revoking access takes effect immediately — a revoked grant is rejected on the next request (src/lib/access-sections.ts:70-92) — but revocation does not retroactively un-view or un-download content that was already accessed.

7. Subscription Fees and Billing

[Fill in once the tiered pricing model referenced in business-model-pricing memory is finalized: plan tiers, billing cadence, auto-renewal, refund policy, and the payment processor (Stripe or other) once integrated.]

8. Acceptable Use

You will not: use the Service to store or transmit unlawful content; attempt to access other users' vaults without authorization; reverse-engineer the Service; or use automated means to scrape data beyond normal use of your own account.

9. Intellectual Property

Nexor Vault retains all rights to the Service's software, templates, and branding. You retain ownership of the documents and data you upload; you grant us a limited license to host, process, and display that content solely to provide the Service to you and those you authorize.

10. Disclaimers and Limitation of Liability

[Standard SaaS disclaimer language — "AS IS," no warranty of uninterrupted service, disclaimer of consequential damages, liability cap tied to fees paid — needs counsel drafting given the elevated stakes of trust/estate documents and financial data. Do not rely on generic boilerplate here; an estate-planning error has real-world irreversible consequences (e.g., a mis-executed trust), which is a different risk profile than typical SaaS.]

11. Indemnification

[To be drafted with counsel — particularly indemnification scope for professional users (attorneys/CPAs) versus retail clients, given the differing risk each poses to the platform.]

12. Termination

We may suspend or terminate your account for violation of these Terms. Upon termination, your right to access the Service ends; data retention/deletion follows the Privacy Policy.

13. Dispute Resolution

[Arbitration clause / class-action waiver / governing law and venue — jurisdiction-sensitive, needs counsel. Note: mandatory arbitration clauses covering trust/estate matters may interact awkwardly with state probate court jurisdiction — flag specifically for counsel review.]

14. Changes to These Terms

We will provide notice of material changes before they take effect.

15. Contact

[Insert legal entity name, address, and contact for notices.]

Drafting checklist before publication

Attorney-drafted disclaimer/liability-cap language for §10 given trust/estate stakes
Confirm ESIGN/UETA consent flow in §5 matches actual product implementation
Insert finalized pricing/billing terms once business model is locked
Governing law/dispute-resolution clause drafted by counsel
Confirm unauthorized-practice-of-law disclaimer (§2) reviewed by counsel in every state Nexor Vault operates, including any state-specific registration, bonding, or disclaimer-prominence requirements for legal-document software
Confirm §2 and §5 match the shipped product copy — as of 2026-09-11 the generated PDF, the trust-builder CTAs, and the marketing site still describe an execute-ready instrument and carry no disclaimer (see legal-review-checklist.md §6)
Confirm which document types may be electronically signed in-product, given the ESIGN/UETA testamentary carve-outs (§5)