Terms of Use

1. Introduction and Acceptance of Terms

Welcome to Logan ("we," "us," "our," or the "Platform"). By accessing or using Logan's digital estate planning services, you ("User," "you," or "your") agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not use our Platform.

Logan provides digital estate planning, will creation, beneficiary management, document storage, and automated will execution services (collectively, the "Services"). These Terms constitute a legally binding agreement between you and Logan.

2. Service Description and Limitations

2.1 Nature of Services

Logan is a technology platform that facilitates digital estate planning. We provide tools for documenting assets, designating beneficiaries, storing documents, and potentially automating certain aspects of estate distribution. Logan is NOT a law firm, financial advisor, tax advisor, or executor service unless explicitly engaged under our separate Logan Executor Service agreement.

2.2 Not Professional Advice

IMPORTANT: The Services, including AI-generated content, tax calculations, and recommendations, do NOT constitute legal advice, financial advice, tax advice, or professional services of any kind. You should consult with qualified professionals (attorneys, financial advisors, tax professionals) before making estate planning decisions.

2.3 AI and Automated Systems

Our Platform uses artificial intelligence and machine learning for document processing, tax calculations, and recommendations. AI systems may produce errors, inaccuracies, or "hallucinations." All AI-generated content must be independently verified by qualified professionals. We make no warranty regarding the accuracy or reliability of AI outputs.

3. User Responsibilities and Obligations

3.1 Accuracy of Information

You are solely responsible for the accuracy, completeness, and currency of all information you provide, including asset valuations, beneficiary details, and instructions. Inaccurate information may result in improper estate distribution, tax liabilities, or legal disputes.

3.2 Regular Updates

You must regularly update your estate plan to reflect changes in assets, beneficiaries, tax laws, or personal circumstances. Logan is not responsible for outdated or incorrect information in your account.

3.3 Legal Compliance

You are responsible for ensuring your estate plan complies with applicable laws in your jurisdiction. Estate planning laws vary by country, state, and province. Logan's Services may not be suitable for all jurisdictions or comply with all local requirements.

4. Disclaimers and Limitations of Liability

4.1 No Guarantee of Execution

While Logan uses commercially reasonable efforts to facilitate automated will execution, we cannot guarantee:

• Timely or accurate death verification through government registries
• Successful asset valuation using third-party APIs or market data
• Accurate tax calculations due to changing tax laws or complex situations
• Successful beneficiary notification or asset transfers
• Absence of technical failures, service interruptions, or data loss
• Prevention of fraud, document forgery, or identity theft

4.2 Third-Party Service Dependencies

Our Services rely on third-party providers including Open Banking APIs, death registries, market data providers, and cloud infrastructure. We are not liable for failures, inaccuracies, or unavailability of third-party services.

4.3 Tax Calculation Disclaimer

Tax calculations are estimates based on general rules and may not account for:

• Complex family situations or special trusts
• Recent tax law changes or pending legislation
• International tax treaties or cross-border assets
• State, provincial, or local taxes beyond federal calculations
• Gift tax implications or previous transfers

You must consult a qualified tax professional for accurate tax planning.

4.4 Document Processing and Fraud Detection

While we use AI to verify document authenticity and detect fraud, these systems are not foolproof. Sophisticated forgeries may evade detection. We are not liable for accepting fraudulent documents or failing to detect document manipulation.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Logan, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from use of the Services
• Our total liability for any claim shall not exceed the fees you paid to Logan in the 12 months preceding the claim, or $100, whichever is greater
• We are not liable for executor negligence, beneficiary disputes, probate delays, contested wills, tax penalties, or legal fees resulting from estate administration
• We are not liable for losses due to inaccurate asset valuations, market volatility, or depreciation

6. Logan Executor Service (Optional Add-On)

6.1 Separate Agreement

If you elect the Logan Executor Service (2.5% of estate value), a separate Executor Services Agreement applies. That agreement supersedes these Terms regarding executor duties.

6.2 Scope of Executor Services

Logan Executor Service handles complex situations requiring human intervention, including beneficiary disputes, missing beneficiaries, contested wills, and court proceedings. Standard automated execution does not include these services.

6.3 Professional Standards

When acting as executor, Logan will exercise reasonable care consistent with professional fiduciary standards, but cannot guarantee outcomes in disputed or complex estates.

7. Data Security and Privacy

7.1 Security Measures

We implement bank-level encryption, multi-factor authentication, and other security measures. However, no system is completely secure. You acknowledge the inherent risks of storing sensitive information electronically.

7.2 Data Breaches

In the event of a data breach, we will notify affected users as required by law. We are not liable for damages resulting from unauthorized access by sophisticated hackers or security breaches beyond our reasonable control.

7.3 Privacy Policy

Our collection, use, and disclosure of personal data is governed by our Privacy Policy, incorporated by reference.

8. Open Banking and Account Connections

8.1 Read-Only Access

When you connect bank accounts via Open Banking APIs, we obtain read-only access to account balances and transactions. We cannot move money or execute transactions without your explicit authorization.

8.2 Disconnection Rights

You may revoke access at any time through your bank's settings or our Platform. Disconnection may affect automated asset valuation features.

8.3 PSD2 Compliance

We operate as a regulated Payment Initiation Service Provider (PISP) under PSD2 (for UK/EU users) and comply with applicable financial regulations.

9. Intellectual Property

All content, software, algorithms, and materials on the Platform are owned by Logan or licensed to us. You receive a limited, non-exclusive, non-transferable license to use the Services for personal estate planning only.

You retain ownership of content you submit, but grant us a worldwide license to process, store, and use that content to provide the Services.

10. Termination and Account Closure

10.1 User Termination

You may cancel your account at any time. Upon cancellation, you will lose access to stored documents and estate planning data. Automated execution features will be disabled.

10.2 Logan Termination

We may suspend or terminate your account for Terms violations, non-payment, fraudulent activity, or if we cease operations. We will provide reasonable notice and opportunity to export your data.

10.3 Post-Death Account Handling

Upon verified death, your account transitions to execution mode. Executors and beneficiaries receive controlled access as specified in your instructions.

11. Dispute Resolution and Governing Law

11.1 Informal Resolution

Before initiating legal proceedings, you agree to contact us to attempt informal resolution of disputes.

11.2 Arbitration Agreement

Disputes shall be resolved through binding arbitration under the rules of [Arbitration Body], except where prohibited by law. You waive the right to class actions or jury trials.

11.3 Governing Law

For UK users, these Terms are governed by English law. For US users, Delaware law applies, excluding conflict of laws principles.

12. Changes to Terms

We may modify these Terms at any time. Material changes will be notified via email 30 days before effectiveness. Continued use after changes constitutes acceptance.

13. Severability and Entire Agreement

If any provision is found unenforceable, the remaining provisions continue in effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Logan.

14. Contact Information

For questions about these Terms, contact us at: