Terms of Service

1. Acceptance of terms

These Terms of Service ("Terms") govern your access to and use of the websites, applications, and services provided by LifeWyn ("LifeWyn", "we", "us", or "our") (collectively, the "Service"). By creating an account or using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.

The Service is operated by LifeWyn Global Private Limited, registered at Near Flipkart Building, Embassy Tech Village, Outer Ring Road, Kadubeesanahalli, Bengaluru, Karnataka 560103, India.

2. Description of the Service

LifeWyn is a zero-knowledge digital inheritance platform. You store client-side-encrypted assets in a secure vault, keep your protection current through periodic check-ins, and configure rules under which encrypted key-shares are released to nominees. We store ciphertext and configuration only; the keys required to decrypt your vault stay with you and are released only when a verified event and the policy you set are met. We do store the account and contact details needed to run the service.

LifeWyn is not a bank, NBFC, payment institution, broker, investment adviser, insurer, will service, law firm, or probate or succession authority. We never hold, move or take custody of your money. Our full regulatory position is set out on our compliance page.

3. Eligibility and accounts

You must be old enough to form a binding contract in your jurisdiction (and at least 18 years old) to use the Service. You agree to provide accurate information, to keep it up to date, and to be responsible for all activity under your account. You may not share your account, use it on behalf of anyone without authority, or use the Service if barred under applicable law.

4. Your responsibilities

• Safeguard your master password. Your master password protects the keys that decrypt your vault. We never receive or store it and cannot recover or reset it. If you lose it, your encrypted data may become permanently inaccessible. You are solely responsible for keeping it safe.
• Keep nominees and rules current. You are responsible for accurately designating nominees, maintaining their contact details, and reviewing your inheritance rules so they reflect your wishes over time.
• Respond to Protection Check-Ins. The verification process depends on your timely responses. Failure to respond may trigger the rules you configured.
• Secure your devices. You are responsible for the security of the devices and accounts you use to access the Service.

5. Subscriptions, billing, and trials

Certain features require a paid subscription. Prices are shown on the pricing page and exclude GST, which is added at checkout at the applicable rate. Payments from outside India are accepted and charged in US dollars.

• Free trial. Premium monthly and Premium yearly include a 14-day free trial. A payment method is required to start the trial, but no charge is taken during it. Unless you cancel before the trial ends, your subscription begins and your payment method is charged. Premium Lifetime has no trial and is charged immediately.
• Auto-renewal. Monthly and yearly subscriptions renew automatically at the end of each billing period at the then-current price until cancelled. Premium Lifetime is a one-time charge and does not renew.
• Cancellation. You may cancel at any time from your account settings. Cancellation stops future renewals; your paid features remain active through the end of the current billing period.
• Refunds. If something isn't right, contact us within 7 days of a charge and we will issue a full refund, no questions asked. This applies to monthly, yearly and lifetime charges alike. Outside that window, and except where required by law, payments are non-refundable and partial periods are not prorated. See our Refund and Cancellation Policy.
• Price changes. We may change prices; we will give reasonable advance notice, and changes apply to billing periods after the notice. Premium Lifetime is not affected by later price changes.
• Failed payments. If a renewal payment fails, we retry it and email you. If it continues to fail, the account moves to the Free plan. We do not delete your vault for a failed payment.

6. Inheritance and verification process

The Service uses a multi-signal verification process before releasing any encrypted key-shares. Release is not triggered by a single missed check-in; it requires multiple independent signals to converge on a verified event, subject to the rules and thresholds you configure. You may cancel any release at any stage before it completes.

We make no representation that using the Service produces any particular real-world legal effect. LifeWyn is not a substitute for a will, trust, power of attorney, or other estate-planning instrument, and does not transfer legal title to any asset. You should consult a licensed attorney or qualified estate professional to ensure your overall plan is valid and enforceable in your jurisdiction. We do not guarantee that any release will occur at a specific time, or that nominees will act as you intend.

Whether any institution accepts a claim is that institution's decision under its own rules and applicable law. LifeWyn has no authority over that process and does not claim any.

7. Acceptable use

You agree not to:

• Use the Service for unlawful purposes or to store or transmit unlawful content;
• Attempt to gain unauthorized access to any account, system, or data, or to circumvent security or verification mechanisms;
• Interfere with, disrupt, or place undue load on the Service or its infrastructure;
• Reverse engineer, resell, or exploit the Service except as expressly permitted;
• Impersonate others or misrepresent your identity or authority.

Good-faith security research conducted under our responsible disclosure policy is not a breach of this section, and we will not pursue legal action over it.

8. Intellectual property

The Service, including its software, design, and trademarks, is owned by LifeWyn and its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. You retain all rights to the content you store; you grant us only the limited rights necessary to host and transmit your encrypted data to operate the Service.

9. Your data and export rights

You may export your entire vault at any time, on any plan including the Free plan, in a documented open format that you decrypt with your own passphrase and recovery shares. That export opens without our servers. This right survives cancellation and continues for as long as your account exists.

Because we hold only ciphertext and never a working key, we cannot read, reconstruct, or recover your vault contents, and neither can any successor, acquirer or third party to whom our systems might pass.

10. Disclaimers and limitation of liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or that verification or release will occur exactly as expected in every circumstance.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIFEWYN AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST DATA, LOST PROFITS, OR LOSS OF ACCESS ARISING FROM A FORGOTTEN MASTER PASSWORD. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

Nothing in these Terms limits any right you have under applicable consumer-protection law, including the Consumer Protection Act, 2019 in India.

11. Indemnification

You agree to indemnify and hold harmless LifeWyn, its affiliates, and their officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your content, your violation of these Terms, or your violation of any law or third-party right.

12. Termination and account deletion

You may stop using the Service at any time and cancel your subscription from your account settings.

Account deletion is a separate, deliberate action. Fully automated self-service erasure is not yet available: you request deletion by contacting us, the request is recorded and held for a 30-day grace period during which you can cancel it, and final destruction is then carried out by our team. This is described in Section 9 of our Privacy Policy. Export anything you want to keep first, because a deleted vault cannot be recovered.

We may suspend or terminate your access if you violate these Terms, if required by law, or to protect the Service or other users. On termination, your right to use the Service ends; provisions that by their nature should survive — including intellectual property, disclaimers, limitations of liability, and indemnification — survive.

13. If we discontinue the Service

If we decide to discontinue the Service, or are unable to continue operating it, we will give you at least 90 days' advance notice and keep the export function available throughout that period, so you can take everything with you before anything is switched off.

Because we never hold a working copy of your key, no wind-down, insolvency, acquisition or transfer of our assets gives any party the ability to read your vault. Your export remains readable with your own passphrase and recovery shares, independently of us.

14. Governing law

These Terms are governed by the laws of India, without regard to conflict-of-laws rules, and you agree to the exclusive jurisdiction of the courts at Bengaluru, Karnataka, except where applicable consumer-protection law grants you the right to bring a claim in another forum. This clause states our current position and remains subject to final review by counsel before general availability.

15. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date above and, where appropriate, notify you through the Service or by email. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Grievance Officer

In accordance with the Information Technology Act, 2000 and the Consumer Protection (E-Commerce) Rules, 2020, the following person is designated as our Grievance Officer for complaints about the Service:

Kishor Dhakad, Co-founder
Email: support@lifewyn.com
Address: Near Flipkart Building, Embassy Tech Village, Outer Ring Road, Kadubeesanahalli, Bengaluru, Karnataka 560103, India

We acknowledge complaints promptly and aim to resolve them within a reasonable time: we acknowledge within 5 business days and aim to resolve within 30 days.

17. Contact us

Questions about these Terms? Contact us at support@lifewyn.com or through our contact page. For security vulnerabilities, write to security@lifewyn.com.