Terms of Service

01

Acceptance of Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding contract between you ("User," "you," "your") and Legacy Buddy, LLC, a Tennessee limited liability company ("Legacy Buddy," "we," "us," "our"), governing your access to and use of the Legacy Buddy platform, website, mobile application, and all related services (collectively, the "Platform").

By taking any of the following actions, you represent that you have read, understood, and agree to be bound by these Terms in their entirety:

• Creating an account by clicking "Create Account" or "Sign Up";
• Clicking "I Agree," "Continue," "Accept," or any similar button or checkbox;
• Accessing or using any part of the Platform after these Terms have been presented to you;
• Purchasing any paid subscription, one-time document, or add-on service.

If you are using the Platform on behalf of a business, organization, or other entity, you represent that you have authority to bind that entity to these Terms, and references to "you" include that entity.

CLICKWRAP ACCEPTANCE: By clicking "Create Account" or similar prompts, you form a binding legal contract with Legacy Buddy, LLC without requiring a handwritten or electronic signature. This clickwrap acceptance has the same legal effect as a signed written agreement under applicable law.

02

Description of Services

2.1 What Legacy Buddy Is

Legacy Buddy is a technology platform that provides self-help estate planning document creation tools, generational wealth tracking and visualization, and connections to independent licensed professionals. The Platform enables users to:

• Create, store, and manage estate planning documents, including Wills, Trusts, and Powers of Attorney, using guided questionnaire workflows;
• Track net worth, set wealth goals, and view personalized financial planning insights through Legacy Lens™;
• Calculate and monitor a Legacy Quotient™ (LQ™) Score measuring estate planning readiness;
• Access Smart Review, a document review service performed by independent licensed attorneys;
• Connect with independent licensed attorneys through Legacy Counsel;
• Browse and connect with verified financial, insurance, and legal professionals through the Professional Marketplace;
• Store and organize estate-related documents in Legacy Vault, an encrypted document storage system.

2.2 What Legacy Buddy Is NOT

CRITICAL DISCLOSURE: "Legacy Buddy provides document creation tools - not legal advice." Legacy Buddy, LLC is a technology company. It is NOT a law firm, legal services provider, financial advisory firm, investment adviser, insurance company, insurance broker, or insurance agent.

Specifically:

• Legacy Buddy does not practice law and does not provide legal advice, legal counsel, or legal representation of any kind.
• Legacy Buddy does not provide financial planning advice, investment advice, or recommendations to buy, sell, or hold any securities or financial instruments.
• Legacy Buddy does not sell, solicit, negotiate, or bind insurance products of any kind.
• No attorney-client relationship is formed between you and Legacy Buddy, LLC at any time or under any circumstances.
• Legacy Buddy's document creation tools produce self-help drafts based on your inputs. These documents are not reviewed by Legacy Buddy's employees for legal accuracy, completeness, or suitability for your individual circumstances.

The information, tools, content, and services provided through the Platform are for general informational and self-help purposes only. For matters requiring legal, financial, or insurance expertise, Legacy Buddy strongly recommends consulting an independent licensed professional.

03

Eligibility

To use the Legacy Buddy Platform, you must meet all of the following eligibility requirements at all times:

• Age: You must be at least 18 years of age. The Platform is not available to persons under 18. By creating an account, you represent and warrant that you are 18 years of age or older.
• Residency: You must be a resident of the United States. The Platform is designed for and made available to U.S. residents only. By using the Platform, you represent that you are a legal U.S. resident.
• Legal Capacity: You must have the legal capacity to enter into a binding contract under applicable law.
• No Prior Suspension: You must not have been previously suspended or permanently terminated from the Platform for violating these Terms or applicable law.
• No Prohibited Persons: You must not be a person barred from receiving services under the laws of the United States or any applicable jurisdiction.

Legacy Buddy reserves the right to verify eligibility at any time and to suspend or terminate accounts that do not meet these requirements. If you no longer meet the eligibility requirements, you must stop using the Platform immediately.

04

Account Registration and Security

4.1 Registration

To access most features of the Platform, you must create an account. During registration, you agree to provide accurate, complete, and current information, including your legal name, a valid email address, a U.S. residential address, and your date of birth for age verification. You agree to promptly update your account information if it changes.

4.2 Account Credentials

You are solely responsible for maintaining the confidentiality of your account login credentials, including your password. You agree not to share your credentials with any third party and to notify Legacy Buddy immediately at legal@legacybuddy.com if you believe your account has been compromised.

Legacy Buddy will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials. You are responsible for all activity that occurs under your account, whether or not you authorized it.

4.3 Multi-Factor Authentication

Legacy Buddy offers multi-factor authentication (MFA) for enhanced account security. Where MFA is available, we strongly recommend you enable it. Legacy Buddy may require MFA for certain high-sensitivity actions including document generation, Vault sharing, and professional connections.

4.4 One Account Per Person

Each user may maintain one active account. Creating duplicate or multiple accounts to circumvent a suspension, evade fees, or otherwise violate these Terms is prohibited and will result in termination of all associated accounts.

4.5 Account Information Accuracy

You represent and warrant that all information you provide to Legacy Buddy is truthful, accurate, and complete. Providing false information, including false age representations, is grounds for immediate account termination.

05

Subscription Plans and Pricing

Legacy Buddy offers four consumer subscription tiers plus one-time document purchase options. All prices are in U.S. dollars. Features and pricing are subject to change with 30 days' advance notice to registered users.

Detailed feature comparisons are available at legacybuddy.com/pricing. Legacy Buddy reserves the right to modify plan features and pricing upon 30 days' advance written notice. Your continued use of the Platform after a price change takes effect constitutes your acceptance of the new pricing.

06

Free Trial

Legacy Buddy offers a 15-day free trial for all paid consumer subscription plans (Starter, Complete, and Unlimited). The following terms apply to the free trial period:

• No Charge During Trial: You will not be charged during the 15-day free trial period. Full paid plan features are available during the trial.
• Auto-Conversion: At the end of the 15-day trial period, your plan will automatically convert to a paid annual subscription and your payment method will be charged the applicable annual fee unless you cancel before the trial ends.
• Cancellation During Trial: You may cancel your subscription at any time during the 15-day trial period at no cost by visiting your Account Settings. If you cancel during the trial, your account will revert to the Free tier at the end of the trial period.
• No Refund After Trial Closes: Once the 15-day trial period has ended and your payment method has been charged, no refund will be issued. There are no exceptions to this policy. If you do not wish to be charged, you must cancel before the trial period expires.
• One Trial Per User: Free trials are available once per user. Creating additional accounts to obtain repeat free trials is a violation of these Terms.

IMPORTANT: Set a reminder before your 15-day trial ends if you do not wish to be charged. Once the trial closes and your payment method is processed, the charge is final and non-refundable.

07

Billing and Payment

7.1 Payment Processing

All payments are processed securely through Stripe, Inc. ("Stripe"), a third-party payment processor. Legacy Buddy does not store your credit card numbers, CVV codes, or other sensitive payment card data on its servers. By providing a payment method, you authorize Legacy Buddy and Stripe to charge your payment method for all fees and charges you incur in accordance with these Terms.

7.2 Billing Cycle

Consumer subscription plans are billed annually in U.S. dollars. Your billing date is established when your free trial ends (or, if no trial, when you first purchase a subscription). Your subscription will automatically renew on the same calendar date each year.

7.3 Auto-Renewal

All paid subscription plans are set to auto-renew by default. Legacy Buddy will send you a renewal reminder by email at least 30 days before your renewal date. To disable auto-renewal, log in to your account, navigate to Account Settings \> Billing, and turn off auto-renewal before your renewal date. If you disable auto-renewal, your plan will remain active until the end of your current billing period and will then revert to the Free tier.

7.4 Currency

All fees are charged in U.S. dollars (USD). Legacy Buddy does not currently accept payment in any other currency.

7.5 Price Changes

Legacy Buddy may change subscription prices upon at least 30 days' advance written notice delivered to your registered email address. Price changes take effect on your next renewal date following the effective date of the change. Your continued use of the Platform and failure to cancel your subscription before your next renewal date constitutes your acceptance of the new price.

7.6 Failed Payments

If your payment method fails, Legacy Buddy will attempt to process your payment up to three additional times over seven days. During this period, you will receive notifications at your registered email address requesting that you update your payment method. If all retry attempts fail:

• Your account will be downgraded to the Free tier;
• All previously generated documents will be preserved in read-only mode in Legacy Vault;
• No documents will be deleted due to payment failure;
• Your account will be restored to the paid tier within 24 hours of a successful payment.

7.7 Taxes

Legacy Buddy's listed prices do not include applicable sales taxes, use taxes, or similar governmental charges. You are responsible for all taxes applicable to your purchase under the laws of your state of residence. Legacy Buddy will collect and remit taxes where required by law.

08

Cancellation Policy

8.1 Consumer Subscription Cancellation

You may cancel your subscription at any time by navigating to Account Settings \> Billing \> Cancel Subscription. Cancellation takes effect at the end of your current billing period. Upon cancellation:

• You retain full access to all paid plan features through the end of your current billing period;
• No prorated refund will be issued for the unused portion of your current annual term;
• Your account will automatically revert to the Free tier at the end of the billing period;
• All previously created documents in Legacy Vault will be preserved.

8.2 Vault Access Grace Period

Upon subscription expiration or downgrade to the Free tier, you will retain read-only access to all documents stored in Legacy Vault for a grace period as specified in your account settings at the time of cancellation. During this period, you may export your documents. After the grace period expires, documents remain in storage but are accessible only by reactivating a paid plan. Legacy Buddy does not delete your documents solely because your subscription has expired or been cancelled.

8.3 Professional Subscription Cancellation

Professional partners (CFPs, Wealth Managers, Insurance Professionals) subscribing to the Listed tier ($79/month) may cancel at any time. Upon cancellation: Hot Lead notifications are deactivated immediately upon cancellation. Directory listings, priority placement, and advanced analytics are removed at the end of the current monthly billing period. Free-tier Marketplace access continues after cancellation.

09

Refund Policy

9.1 Consumer Subscriptions

Legacy Buddy operates a strict no-refund policy for consumer subscriptions. Once the 15-day free trial period has ended and your payment method has been charged, no refund will be issued for any reason, including but not limited to: change of mind, unused subscription time, downgrade to a lower tier, or cancellation mid-term.

9.2 One-Time Document Purchases

One-time document purchases are non-refundable once a document has been generated. Document generation occurs when you complete the questionnaire workflow and the document is compiled and made available for download. No refund will be issued after this point, regardless of whether you download the document.

9.3 Smart Review and Legacy Counsel Refunds

Refund rules for Smart Review and Legacy Counsel are set out in full in Sections 11 and 12 respectively.

9.4 Upgrade Credit

If you are a Free-tier user who has purchased a one-time document and subsequently upgrades to a Starter or Complete subscription within 30 days of your one-time purchase, the full price of your one-time document purchase will be applied as a credit toward your subscription fee. To claim this credit, contact support@legacybuddy.com with your account email and the transaction ID for your one-time purchase within the 30-day window. Credits are non-transferable and cannot be combined with other promotions.

9.5 Chargebacks

If you initiate an unauthorized chargeback or payment dispute through your card issuer for a charge that is not eligible for refund under these Terms, Legacy Buddy reserves the right to suspend your account pending resolution of the dispute and to pursue recovery of the disputed amount plus any associated fees through available legal means.

10

One-Time Document Purchases

Free-tier users who do not hold a paid subscription may purchase individual estate planning documents as one-time purchases at the prices listed below. These purchases are subject to the following rules:

• Availability: One-time document purchases are available to Free-tier users only. Paid subscribers receive all applicable documents as part of their plan and should not purchase documents separately.
• Post-Generation Lock: One-time purchase documents are finalized upon generation. No free unlimited edits are included. To make changes after finalization, you must either purchase the document again or upgrade to a paid subscription plan.
• Vault Access: One-time purchase documents are stored in Legacy Vault for the account. Legacy Vault access for one-time purchase users is limited to documents purchased.
• No Legacy Lens Access: One-time document purchases do not include access to Legacy Lens™, LQ Score features, or the recommendation engine.
• Upgrade Credit: See Section 9.4 for the 30-day upgrade credit policy.

All documents are generated using state-specific language templates based on your state of residence at the time of generation. You are responsible for verifying that any generated document meets your state's current requirements. Legacy Buddy does not guarantee that documents will be accepted by any court, government authority, or third party without proper execution. See Section 13 for full execution requirements.

11

Smart Review Service Terms

11.1 What Smart Review Is

Smart Review is a professional document review service in which a verified, licensed attorney reviews your estate planning document and provides structured written feedback and annotations within 48 hours of acceptance. Smart Review is available to all user tiers (Free, Starter, Complete, and Unlimited) as a paid add-on service.

11.2 Smart Review Is an Attorney-Only Service

Smart Review assignments are performed exclusively by verified, licensed attorneys. No CFP, Wealth Manager, Insurance Professional, or other non-attorney professional participates in Smart Review in any capacity.

11.3 Pricing

The fee for Smart Review is $250.00 USD, charged at the time of your review request. Upon completion of a review: $200.00 is transferred to the reviewing attorney. $50.00 is retained by Legacy Buddy as a platform fee.

11.4 What Smart Review Is NOT

Smart Review is NOT legal advice. Smart Review is NOT legal representation. Smart Review does NOT create an attorney-client relationship between you and Legacy Buddy, LLC. The attorney-client relationship, if any, is formed solely between you and the reviewing attorney and is limited to the scope of the Smart Review engagement.

11.5 Service Level Agreement (SLA)

Upon an attorney accepting your Smart Review assignment, the attorney has 48 hours to submit their review. If the assigned attorney fails to complete the review within 48 hours, the review will be reassigned to another qualified attorney. Your 48-hour window restarts when the new attorney accepts the reassignment.

11.6 Cancellation and Refund Policy for Smart Review

11.7 Smart Review Dispute Process

You may submit a dispute within 7 days of a completed Smart Review. Valid dispute grounds include: (a) the review was incomplete based on minimum review standards; (b) the review was not relevant to the submitted document; (c) SLA was breached and all reassignment chains failed. To submit a dispute, use the Dispute Review option available in your Smart Review status tracker or contact support@legacybuddy.com. Legacy Buddy will review disputes within 3 business days.

11.8 Smart Review Does Not Constitute Legal Advice

The written review and annotations provided through Smart Review reflect the independent professional opinion of the reviewing attorney. Legacy Buddy does not review, endorse, or adopt the content of any Smart Review. Smart Review is not a guarantee that your document is legally valid, properly executed, or suitable for your individual circumstances. You should independently verify whether you need full legal counsel for your situation.

12

Legacy Counsel Service Terms

12.1 What Legacy Counsel Is

Legacy Counsel is an attorney consultation service facilitated through the Legacy Buddy platform. Through Legacy Counsel, you may connect with and consult a verified, licensed attorney via the platform's built-in video and audio call system. Legacy Counsel is available to all user tiers as a paid add-on service.

12.2 Legacy Counsel Is an Attorney-Only Service

Legacy Counsel consultations are conducted exclusively by verified, licensed attorneys. No other professional type participates in Legacy Counsel in any capacity.

12.3 Pricing and Billing

There is no upfront charge to you at the time of booking a Legacy Counsel consultation. After your consultation is completed, the attorney will submit an invoice to you through the platform. You pay the attorney's fee directly. Legacy Buddy charges the attorney a flat service charge of $250.00 per successful Legacy Counsel session, which the attorney pays from their earnings through the platform at month-end. Legacy Buddy does not receive a percentage of attorney fees.

12.4 Attorney-Client Relationship

No attorney-client relationship is formed with Legacy Buddy, LLC through Legacy Counsel or at any other time. The attorney-client relationship, if any, is formed exclusively between you and the independent licensed attorney you engage through Legacy Counsel. Legacy Buddy is a technology platform facilitating the connection - it is not a party to your legal engagement.

12.5 Legacy Buddy's Role in Legacy Counsel Disputes

Legacy Buddy may facilitate certain administrative dispute resolution for Legacy Counsel engagements. The following table describes the scope and limitations of Legacy Buddy's involvement:

12.6 Legacy Counsel Refund Policy

For matters outside Legacy Buddy's dispute resolution scope (attorney malpractice, professional conduct complaints, legal advice disputes), you are directed to contact your relevant state bar association or seek independent legal counsel.

13

Document Creation Tools - No Legal Advice

LEGACY BUDDY PROVIDES DOCUMENT CREATION TOOLS - NOT LEGAL ADVICE. No attorney-client relationship is formed with Legacy Buddy, LLC. Documents generated through the Platform are self-help tools created from templates based on user-provided inputs. They are NOT reviewed by Legacy Buddy employees for legal accuracy, completeness, or fitness for your individual circumstances.

13.1 No E-Signature Services

Documents generated through Legacy Buddy require proper execution including wet signature, witness attestation, and notarization as required by your state's laws. Legacy Buddy does not provide e-signature services. Documents downloaded from Legacy Buddy are not legally executed until you complete all state-required execution steps.

13.2 State-Specific Execution Requirements

Estate planning document requirements vary significantly by state. Legacy Buddy provides a general execution checklist based on your state of residence; however, this checklist is informational only and is not a substitute for legal advice. You are solely responsible for:

• Verifying your state's current requirements for Wills, Trusts, Powers of Attorney, and other estate documents;
• Executing documents with the correct number of witnesses and proper notarization as required by your state;
• Filing or recording documents with appropriate government authorities where required;
• Updating documents when your circumstances, applicable laws, or your wishes change.

13.3 Document Templates and State Compliance

Legacy Buddy uses state-specific document templates reviewed by licensed attorneys. However, templates are not updated in real-time as laws change, and Legacy Buddy does not warrant that any template is current, complete, or suitable for your specific situation. Templates are a starting point, not a final legal product. Complex estate situations - including high-value estates, blended families, business ownership, multi-state property, and special needs beneficiaries - may require customization that is beyond the scope of self-help document creation tools.

13.4 No Guarantee of Legal Validity

Legacy Buddy makes no representation or warranty that any document generated through the Platform will be legally valid, binding, enforceable, or accepted by any court, probate authority, financial institution, healthcare provider, or government agency. You use the Platform's document creation tools at your own risk.

13.5 Recommendation to Consult an Attorney

For estate matters involving complex assets, business interests, tax planning, contested family situations, multi-state properties, or any circumstance where significant legal rights are at stake, Legacy Buddy strongly recommends consulting an independent licensed attorney. Legacy Counsel (Section 12) provides access to verified attorneys for this purpose.

14

Legacy Vault

14.1 What Legacy Vault Is

Legacy Vault is an AES-256 encrypted document storage system within the Platform where you can store, manage, and organize estate planning documents, both those created through Legacy Buddy and documents you upload yourself. Access to Legacy Vault is available on all user tiers, with sharing functionality available on Complete and Unlimited plans.

14.2 Your Ownership of Vault Content

You retain all ownership rights to the documents and files you store in Legacy Vault. By storing content in Legacy Vault, you grant Legacy Buddy a limited, non-exclusive, royalty-free license solely to store, process, and display your content to you and to authorized persons you designate, and as necessary to operate the Platform. This license does not give Legacy Buddy any right to use, share, or disclose your documents for any other purpose.

14.3 Vault Sharing

Complete and Unlimited plan subscribers may share Vault access with designated third parties (spouse, CPA, attorney, other trusted individuals) on a permissioned basis. Sharing options include read-only or comment-level access. You may revoke sharing access at any time from your account settings. You are responsible for the persons to whom you grant Vault access and for any use of your documents by those persons.

14.4 Vault Access on Cancellation or Downgrade

Upon subscription cancellation or downgrade to the Free tier, your Vault documents are not deleted. You will retain read-only access to your Vault documents for a grace period specified in your account at the time of cancellation, during which you may export your documents. After the grace period, documents remain in storage but are accessible only upon reactivating a paid plan.

14.5 Account Deletion

If you request permanent deletion of your account, Legacy Buddy will delete or anonymize all personal data associated with your account, including Vault documents, within 30 days of the request. IMPORTANT: Account deletion is PERMANENT and IRREVERSIBLE. Legacy Buddy does not maintain backup copies of deleted accounts after the 30-day deletion process completes. You should export all documents before requesting account deletion. Legacy Buddy has no obligation to recover documents after the deletion process is complete.

14.6 No Guarantee of Storage

While Legacy Buddy maintains robust AWS cloud infrastructure with multi-zone redundancy and 11-nines durability for archival storage, Legacy Buddy does not guarantee that your Vault documents will be available at all times or that they will never be lost due to factors outside our reasonable control. You are strongly encouraged to maintain independent copies of all important estate planning documents.

14.7 Prohibited Content

You may not use Legacy Vault to store content that is unlawful, defamatory, harassing, or infringing upon the intellectual property rights of others. Legacy Buddy reserves the right to remove content that violates these Terms upon notice and to terminate accounts engaged in serious or repeated violations.

15

Professional Marketplace

15.1 What the Professional Marketplace Is

The Professional Marketplace is a platform feature that allows you to browse and connect with independently verified financial professionals, insurance professionals, and attorneys. Legacy Buddy does not employ any of these professionals and does not direct or supervise their professional services.

15.2 Your Consent to Lead Matching

By creating an account, you acknowledge the following disclosure and agree to the default data-sharing settings described below:

AT ACCOUNT CREATION: You will be asked whether you consent to allow verified financial and insurance professionals to view an anonymized version of your profile (net worth tier, LQ Score, estate planning activity) for professional matching purposes. This consent is optional and can be toggled off at any time in Privacy Settings \\\> Professional Matching. Core platform features remain available regardless of your matching preference.

15.3 Attorney Exclusion from Lead Purchases

IMPORTANT: Attorneys are permanently excluded from the lead purchase system. Attorneys cannot purchase your profile as a lead under any circumstances. Attorneys access users exclusively through Legacy Counsel (user-initiated consultation) and Smart Review (user-initiated review). This exclusion is enforced at the system level, not just the user interface.

15.4 What Professionals See Before Purchase

Before a professional purchases your profile, they see only anonymized data: your net worth tier label (not a specific dollar amount), your LQ Score and pillar scores, a Plaid-Verified badge (if applicable), your state (for Marketplace leads) or city and state (for Hot Leads), and basic activity indicators. Your name, email address, phone number, and specific financial figures are released only after a professional completes a purchase.

15.5 Legacy Buddy Is Not Responsible for Professional Services

Legacy Buddy verifies the credentials, licenses, and good standing of professionals listed on the Platform through third-party verification sources. However, Legacy Buddy does not endorse, guarantee, or warrant the quality, accuracy, reliability, or fitness of any professional's services. Your engagement with any professional through the Platform is entirely between you and that professional. Legacy Buddy is not responsible for any advice given, actions taken, or losses incurred as a result of any professional engagement facilitated through the Platform.

16

AI-Powered Features and Automated Decision-Making

16.1 AI-Powered Features

Legacy Buddy uses proprietary artificial intelligence systems, including self-hosted models (Gemma and Claude), deployed on Legacy Buddy's own AWS cloud infrastructure. These systems power Legacy Score™ calculation, document and service recommendations, professional matching, and content personalization. All AI inference runs inside Legacy Buddy's private cloud environment. Your data is never sent to external AI providers for processing.

16.2 Legacy Score™ (LQ™ Score) Disclosure

The Legacy Quotient™ (LQ™) Score is a proprietary scoring system that measures your estate and generational wealth readiness on a scale of 0 to 100 across four pillars:

• Financial Health - debt management, savings, investments, and net worth trajectory;
• Estate Readiness - Will, Trust, and Powers of Attorney completeness;
• Protection Readiness - insurance coverage, guardianship designations, and medical directives;
• Generational Impact - education funds, charitable plans, and family legacy milestones.

The LQ Score is an informational and educational tool only. It is not a credit score, insurance score, financial rating, or measure of creditworthiness. It is not used by any third party to evaluate your eligibility for credit, insurance, employment, or housing. The specific formula weights applied to each pillar are proprietary and constitute a trade secret that is not disclosed.

16.3 Automated Decision-Making Technology (ADMT) Disclosure

ADMT NOTICE: Legacy Buddy uses automated decision-making technology (ADMT) to generate your Legacy Score, produce personalized recommendations, and facilitate professional matching. These systems replace or substantially assist human judgment in producing outputs that may affect which services, recommendations, and professionals are presented to you. You have the right to opt out of AI-powered features and to request a plain-language explanation of any automated output. See your account settings under Privacy \\\> AI-Powered Features to manage your preferences.

16.4 Your ADMT Rights

Subject to applicable law, you have the following rights with respect to automated decision-making:

• Right to Opt Out: You may disable all AI-powered features at any time in account settings. Disabling AI features does not affect your access to core document creation, Legacy Vault, or manual professional directory browsing.
• Right to Explanation: You may request a plain-language explanation of how your Legacy Score was calculated and what factors contributed to any AI-generated recommendation. Contact legal@legacybuddy.com to request an explanation.
• Right to Human Review: For significant decisions relating to your account status, you may request human review by contacting legal@legacybuddy.com.
• Right to Correct Inputs: You may update the information in your account at any time to correct inaccurate inputs that may have affected your Legacy Score or recommendations.

17

Intellectual Property

17.1 Legacy Buddy's Intellectual Property

Legacy Buddy, LLC owns all rights, title, and interest in and to the Platform, including without limitation: all software, code, algorithms, AI models, and architecture; all design elements, user interface layouts, and visual works; all trademarks, trade names, logos, and service marks, including Legacy Buddy™, Legacy Lens™, Legacy Quotient™, LQ™ Score, Legacy Vault™, Legacy Counsel™, and Smart Review™; all proprietary methodologies, scoring formulas, and trade secrets, including the LQ Score calculation methodology; all patent-pending systems including the Legacy Lens™ system, Adaptive Estate Automation Engine, Integrated Attorney Collaboration Framework, and Generational Wealth Experience System; and all content, templates, and educational materials provided through the Platform.

Nothing in these Terms grants you any ownership rights in Legacy Buddy's intellectual property. The rights you have are the limited use rights described in Section 17.3.

17.2 Your Intellectual Property

You retain all ownership rights in the estate planning documents you create and the personal information you provide through the Platform. By using the Platform, you grant Legacy Buddy a limited, non-exclusive, royalty-free license to store, process, and transmit your content solely as necessary to operate the Platform and provide services to you. This license terminates when you delete your account and all content has been removed pursuant to our data retention policy.

17.3 Limited License to You

Subject to your compliance with these Terms, Legacy Buddy grants you a personal, non-exclusive, non-transferable, revocable, limited license to access and use the Platform for your own individual estate planning and wealth management purposes. This license does not include the right to:

• Copy, modify, distribute, sell, or lease any part of the Platform;
• Reverse engineer, decompile, or attempt to extract the source code of any part of the Platform;
• Use Legacy Buddy's trademarks, logos, or trade names without prior written consent;
• Use the Platform for commercial purposes on behalf of third parties without written authorization;
• Attempt to discover or replicate the LQ Score formula, AI model architecture, or document template logic.

18

Prohibited Uses

You agree not to use the Platform for any of the following purposes. Violation of this Section may result in immediate account suspension or termination without refund:

• Creating fraudulent, false, or misleading estate planning documents, including documents that misrepresent asset ownership, beneficiary relationships, or testamentary intent;
• Creating documents on behalf of any other person without their express written consent;
• Impersonating any person as a beneficiary, executor, trustee, attorney-in-fact, or healthcare agent in any document;
• Using the Platform to facilitate financial fraud, tax evasion, money laundering, identity theft, or asset concealment;
• Using the Platform to create documents for persons under 18 years of age;
• Attempting to circumvent attorney credential verification requirements in Smart Review or Legacy Counsel;
• Attempting to reverse-engineer, scrape, or extract the LQ Score formula, AI model architecture, or template logic;
• Using automated scripts, bots, or crawlers to access, scrape, or interact with the Platform;
• Sharing account credentials with any third party;
• Creating multiple accounts to evade suspension, access multiple free trials, or circumvent any Platform restriction;
• Uploading content to Legacy Vault that is unlawful, defamatory, harassing, or that infringes any third-party intellectual property rights;
• Attempting to gain unauthorized access to other users' accounts, data, or documents;
• Interfering with or disrupting the integrity or performance of the Platform or its infrastructure;
• Using the Platform to send unsolicited communications or to collect user information without authorization;
• Violating any applicable local, state, federal, or international law or regulation in connection with your use of the Platform.

19

Third-Party Services

The Platform integrates with the following third-party service providers to deliver its features. Legacy Buddy is not responsible for the performance, availability, data handling practices, or terms and conditions of these third-party services:

Plaid Technologies, Inc.

Plaid provides optional financial account data aggregation. If you choose to connect your financial accounts through Plaid, your financial account data is transmitted through Plaid's systems pursuant to Plaid's End User Privacy Policy and Privacy Policy. Legacy Buddy receives only categorized net worth tier data and asset category indicators - not raw account balances or transaction histories. Plaid connection is entirely optional; you may enter financial information manually without using Plaid.

Zillow Group, Inc.

Zillow provides property valuation estimates (Zestimate) for real estate assets you identify. Property valuations are estimates only and are not appraisals. Legacy Buddy is not responsible for the accuracy of Zillow property estimates.

Stripe, Inc.

Stripe processes all payments on the Platform. Your payment information is transmitted directly to Stripe using industry-standard security protocols. Legacy Buddy does not store your credit card numbers, CVV codes, or other sensitive card data. Stripe's use of your payment information is governed by Stripe's Privacy Policy.

Other Service Providers

Legacy Buddy also uses the following service providers in its operations: Amazon Web Services (AWS) for cloud infrastructure and storage; SendGrid/Twilio for transactional email and SMS communications; HubSpot for marketing communications; and Vanta for compliance management. All service providers operate under data processing agreements with Legacy Buddy.

Any links or integrations on the Platform to third-party websites or services are provided for convenience only. Legacy Buddy does not control and is not responsible for the content, privacy policies, or practices of any third-party website or service.

20

Privacy

Your privacy is important to Legacy Buddy. Our collection, use, storage, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you agree to the collection and use of your information as described in our Privacy Policy, available at legacybuddy.com/privacy.

Key privacy commitments:

• Legacy Buddy does not sell your personal information to third parties;
• Financial data received through Plaid is used only for Legacy Score calculation and wealth visualization features;
• All data is encrypted using AES-256 at rest and TLS 1.3 in transit;
• You have rights under applicable law, including the CCPA/CPRA, to access, correct, delete, and opt out of certain processing of your personal information. See our Privacy Policy for details;
• AI-powered features process your data exclusively on Legacy Buddy's own AWS servers. No personal data is sent to external AI APIs;
• The LQ Score computation uses your data in anonymized aggregate form only for improving platform models.

Legacy Buddy's platform is covered by the Gramm-Leach-Bliley Act (GLBA) Safeguards Rule with respect to financial data collected through Plaid and Legacy Lens™. A separate GLBA Privacy Notice is provided at account creation and available at legacybuddy.com/glba-notice.

21

Disclaimers of Warranties

THE PLATFORM AND ALL CONTENT, TOOLS, SERVICES, AND FEATURES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. LEGACY BUDDY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. LEGACY BUDDY DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Without limiting the foregoing, Legacy Buddy specifically disclaims any warranty that:

• Any document generated through the Platform is legally valid, enforceable, or suitable for your specific circumstances;
• Any document generated through the Platform will be accepted by any court, probate authority, government agency, financial institution, or healthcare provider;
• The Platform, Legacy Score, or any recommendation or output is complete, accurate, reliable, or up-to-date;
• The Platform will be available at any particular time or will function without interruption;
• Any professional matched or connected through the Platform will meet your needs or expectations;
• The Platform will meet your specific estate planning, financial planning, or insurance needs.

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the above exclusions apply only to the extent permitted by applicable law.

22

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LEGACY BUDDY, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, PERSONAL INJURY, OR PROPERTY DAMAGE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM, REGARDLESS OF THE CAUSE OF ACTION AND WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY OF LIABILITY, EVEN IF LEGACY BUDDY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

To the maximum extent permitted by applicable law, Legacy Buddy's total aggregate liability to you for any and all claims arising out of or in connection with these Terms or your use of the Platform shall not exceed the greater of: (a) the total fees paid by you to Legacy Buddy in the twelve-month period immediately preceding the event giving rise to the claim; or (b) $100.00 USD.

You acknowledge that the limitations of liability set forth in this Section reflect a reasonable allocation of risk and are an essential basis of the bargain between you and Legacy Buddy. Legacy Buddy would not be able to offer the Platform at the prices charged without these limitations.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for fraud, gross negligence, willful misconduct, or personal injury caused by negligence.

23

Indemnification

You agree to defend, indemnify, and hold harmless Legacy Buddy, LLC, its officers, directors, employees, agents, contractors, licensors, suppliers, and successors from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and attorney's fees arising out of or relating to:

• Your violation of these Terms or any applicable law or regulation;
• Your use of the Platform, including any documents you create, upload, or share through the Platform;
• The content of any documents you generate using Platform tools, including any legal, financial, or personal consequences arising from those documents;
• Any misrepresentation you make to Legacy Buddy or to any third party in connection with your use of the Platform;
• Your infringement of any intellectual property, privacy, or other rights of any third party;
• Your failure to properly execute, notarize, witness, or file any document created through the Platform;
• Any claim by a beneficiary, heir, estate executor, trustee, or other party arising from documents created through the Platform.

Legacy Buddy reserves the right to assume exclusive control of any matter subject to indemnification by you, at your expense. You agree to cooperate with Legacy Buddy's defense of any such matter.

24

Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.This Section requires binding arbitration of disputes and waives your right to a jury trial and to participate in class action lawsuits. You may opt out as described below.

CLASS ACTION WAIVER: YOU AND LEGACY BUDDY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING.

24.1 Informal Resolution First

Before initiating arbitration, you agree to contact Legacy Buddy at legal@legacybuddy.com with a written description of the dispute, the relief sought, and your contact information. Legacy Buddy will have 30 days to respond to and attempt informal resolution of your claim. If the dispute is not resolved within 30 days, either party may initiate arbitration.

24.2 Binding Arbitration

Except for disputes that qualify for small claims court (see Section 24.4), all disputes arising out of or relating to these Terms, the Platform, or any service provided by Legacy Buddy shall be resolved by final, binding arbitration administered by JAMS or the American Arbitration Association (AAA) pursuant to their applicable Consumer Arbitration Rules, or such other rules as the parties mutually agree.

24.3 Arbitration Process

Arbitration shall be conducted on an individual basis. There shall be one arbitrator, selected pursuant to the applicable rules. The arbitration shall be conducted in the English language. The arbitrator may award any relief that a court of competent jurisdiction could award, including injunctive and declaratory relief on an individual basis. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

24.4 Small Claims Exception

Either party may bring an individual action in a small claims court of competent jurisdiction, provided the claim qualifies for small claims court jurisdiction and is brought and maintained as an individual claim. If a small claims case is later removed to a court of general jurisdiction for any reason, the parties agree it will be resolved through binding arbitration pursuant to this Section.

24.5 Waiver of Jury Trial

TO THE EXTENT PERMITTED BY LAW, YOU AND LEGACY BUDDY EACH KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO A TRIAL BY JURY FOR ANY DISPUTE SUBJECT TO THESE TERMS.

24.6 Opt-Out Right

You may opt out of the arbitration and class action waiver provisions in this Section 24 by sending written notice to legal@legacybuddy.com within 30 days of first accepting these Terms. Your notice must include your name, email address, and a statement that you are opting out of arbitration. If you opt out of arbitration, disputes will be resolved in the courts specified in Section 25.

24.7 Arbitration Fees

For claims under $10,000, Legacy Buddy will pay all arbitration filing fees and arbitrator's costs and expenses. For claims above $10,000, the applicable JAMS or AAA fee schedule will apply, subject to any fee-shifting permitted under applicable law. Each party bears their own attorney's fees unless the arbitrator awards otherwise under applicable law.

25

Governing Law and Venue

These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of laws principles.

For any dispute not subject to binding arbitration under Section 24 (or where arbitration is waived or not applicable), the exclusive jurisdiction and venue for any legal proceeding shall be the state and federal courts located in Tennessee. Both parties irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection that such courts are an inconvenient forum.

26

Changes to Terms

Legacy Buddy reserves the right to modify these Terms at any time. When we make material changes, we will:

• Notify you by email to your registered email address at least 30 days before the changes take effect;
• Post a notice on the Platform indicating that the Terms have been updated;
• Update the "Last Updated" date at the top of the Terms;
• For significant changes, require re-acceptance in the app before continued use.

Your continued use of the Platform after the effective date of any change constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Platform and cancel your subscription before the effective date. Cancellation is subject to the terms of Section 8.

Non-material changes (such as clarifications, corrections, or changes that do not affect your rights) may be made without advance notice, but the "Last Updated" date will always reflect the most recent revision.

27

Termination

27.1 Termination by You

You may terminate your account at any time by deleting your account through the Account Settings. Termination of your account results in the permanent deletion of all your personal data and documents within 30 days as described in Section 14.5. Subscription cancellation (which does not delete your account) is governed by Section 8.

27.2 Termination by Legacy Buddy

Legacy Buddy reserves the right to suspend or permanently terminate your account and access to the Platform, with or without notice, for any of the following reasons:

• Violation of any provision of these Terms, including the Prohibited Uses in Section 18;
• Fraudulent, abusive, or illegal conduct in connection with the Platform;
• Non-payment of fees owed to Legacy Buddy that remain unpaid after reasonable notice;
• If required to do so by law, court order, or government authority;
• If, in Legacy Buddy's reasonable judgment, your continued use poses a legal, security, or operational risk.

27.3 Effect of Termination

Upon termination of your account (whether by you or by Legacy Buddy):

• Your right to access and use the Platform terminates immediately;
• All licenses granted to you under these Terms terminate;
• Legacy Buddy will delete or anonymize your personal data within 30 days, subject to legal retention requirements;
• Provisions of these Terms that by their nature should survive termination (including but not limited to Sections 17, 22, 23, 24, and 25) shall survive termination.

27.4 Appeal Process

If you believe your account has been terminated in error, you may appeal the termination within 30 days by sending a written explanation to legal@legacybuddy.com. Legacy Buddy will review your appeal within 14 business days and communicate its determination. Legacy Buddy's determination on appeals is final.

28

Severability, Waiver, and Entire Agreement

28.1 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction or an arbitrator, that provision will be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms will remain in full force and effect.

28.2 Waiver

No waiver by Legacy Buddy of any breach of or default under these Terms shall be deemed a waiver of any subsequent breach or default, and shall not affect the other provisions of these Terms. Legacy Buddy's failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

28.3 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, GLBA Privacy Notice, and any other policies or agreements explicitly incorporated by reference, constitute the entire agreement between you and Legacy Buddy concerning the Platform and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Platform.

28.4 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without Legacy Buddy's prior written consent. Legacy Buddy may assign these Terms at its sole discretion, including in connection with a merger, acquisition, or sale of all or substantially all of its assets, with notice to you.

28.5 Headings

Section headings in these Terms are for convenience only and have no legal or contractual effect.

28.6 Electronic Communications

By using the Platform, you consent to receive communications from Legacy Buddy electronically. Legacy Buddy will communicate with you by email, SMS (if opted in), or by posting notices on the Platform. You agree that all agreements, notices, disclosures, and other communications provided to you electronically satisfy any legal requirement that such communications be in writing.

29

Contact Information

If you have questions about these Terms of Service, need to submit a legal notice, or need to report a violation, please contact Legacy Buddy using the following information:

Legacy Buddy provides document creation tools - not legal advice. / Legacy Buddy, LLC / Effective Date: \\[DATE\\]