Terms of Service

Effective Date: October 28, 2026
Last Updated: October 26, 2026

PLEASE READ THESE TERMS OF SERVICE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, A CLAUSE THAT GOVERNS THE JURISDICTION AND VENUE OF DISPUTES, A CLASS ACTION WAIVER, A PROCESS BY WHICH YOUR BACKUP MAY TAKE OVER YOUR ACCOUNT, AND OBLIGATIONS TO COMPLY WITH APPLICABLE LAWS AND REGULATIONS. BY ACCEPTING THESE TERMS OF SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS.

1. Agreement to Terms

These Terms of Service ("Terms") form a legal agreement between you ("you" or "user") and PharosLife, Inc. ("PharosLife," "we," "us," or "our") governing your access to and use of:

• The PharosLife website, https://www.mypharoslife.com/ (the “Site”)
• The PharosLife platform and applications, including Ask Pharos, our AI assistant
• Any related services, tools, or features.

The above are hereinafter referred to, collectively, as the "Services".

By accessing or using the Services, you agree to be bound by these Terms. Your use of the Services is also governed by our Privacy Policy and our Consumer Health Data Privacy Policy, which are incorporated herein by reference. If you buy a paid plan, our Subscription Services Agreement also applies. It governs plans, billing, renewal, cancellation and our no-refund policy, and controls if it conflicts with these Terms on those topics. When you create an account, you accept these Terms and our Privacy Policy by ticking a box, and we record the version you accepted.

YOU ACKNOWLEDGE AND AGREE THAT, BY ACCESSING OR USING THE SITE OR SERVICES, YOU ARE INDICATING THAT YOU HAVE READ, AND THAT YOU UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS.

If you do not agree, you should not continue to access the Site or use the Services.

2. Eligibility

To use PharosLife, you must:

• Be at least 18 years old. Nobody under 18 may create an account or accept an invitation
• Reside in the United States. The Services are offered only in the United States. This applies to everyone who creates an account or accepts an invitation, including household members, delegates and Backups
• Have the legal capacity to enter into a binding agreement

You represent that all information you provide is accurate and current, and that you have the legal capacity and/or authorization to share it with us. Keep your email address current. We send important notices, including Backup transfer and account deletion notices, by email only.

3. Nature of the Services (Important)

PharosLife is a guidance and organization platform, designed to help individuals and families:

• Plan and organize life information
• Prepare for major life events
• Navigate logistical and operational tasks during times of change or loss

PharosLife Does NOT:

• Access or control financial accounts
• Execute transactions on your behalf
• Contact banks, insurers, government agencies or other institutions on your behalf
• Verify the identity, authority or statements of any user, including a Backup's report of a death or incapacity, or a user's statement that they hold a power of attorney, guardianship or other legal authority
• Provide legal, financial, tax, medical, or professional advice
• Replace professionals such as attorneys, financial advisors, or estate planners, or substitute for their judgment

All information provided through the platform is for general information purposes only and does not constitute legal, financial, tax, medical, or other professional advice. A PharosLife plan is not a will, trust, power of attorney or other legal document, and does not change who inherits anything.

4. Your Use of the Platform

You may use PharosLife to:

• Create plans for yourself, for people in your family or care, or to manage affairs after a loss
• Organize life information across categories
• Generate and track tasks, workflows, and checklists
• Share access with household members, delegates and helpers, and name a Backup
• Ask questions of Ask Pharos, our AI assistant

You agree you will:

• Provide accurate and truthful information
• Use the platform for lawful purposes only
• Not misuse, copy, or disrupt the Services
• Not access, or try to access, an account, plan or section you have not been given access to, or get around consent locks, permissions, credit limits or security controls
• Never use PharosLife as a substitute for or substantial factor in making a consequential decision, including, but not limited to, decisions related to legal, financial, tax, or medical advice
• Enter information about a child only if you are that child's parent or legal guardian, and confirm this when asked
• Not create an account for, or invite, anyone under 18

5. Plans, Households, Sharing & Permissions

PharosLife allows you to:

• Create plans for yourself or others (e.g., parent, spouse, dependent)
• Assign roles, permissions, or visibility

You are responsible for:

• Ensuring you have the right to provide another person's information, through their consent or a legal authority such as a power of attorney or guardianship, before you enter or manage it
• Telling the truth whenever you confirm a basis, consent or legal authority. We do not verify these statements, and you are accountable for them
• Managing access permissions appropriately

Households. On a Family plan, the household owner manages and pays for the household. Joining a household doesn't show your plan to anyone: members see only what is shared with them, at the level their role allows. The exception is a plan the household owner created for someone, which the owner can see until they hand it over to that person.

Plans about another person. If you create a plan about another living adult without declaring a legal authority, its sensitive, financial and health sections stay locked until that person approves. That person may claim the plan as their own, approve your managing it, or object. If they object, the plan is erased and you lose access. If they claim it, they decide what access you keep. Health information about another adult is kept only if that person confirms it after our notice, unless you hold a declared legal authority.

PharosLife is not responsible for disputes between users arising from shared access, delegation, households, plans about other people or Backup transfers. We may act on a court order or other legal process concerning an account.

6. Backups and Account Transfer

You can name a Backup to take over your account if you die or become incapacitated: one on the Individual plan, and as many as you need on the Family plan. You name Backups separately for your own account and for each household you own. We strongly recommend naming the executor of your will or the successor trustee of your trust.

How a transfer works. A Backup has no access to your account while you are alive and able. If your named Backup reports that you have died or become incapacitated, we email you a one-click link to stop the transfer. If you do not stop it within 7 days, ownership passes to your Backup. For your own account, that is every plan you own; for a household designation, it is the household. Your Backup can then view, change, share and delete the information as its new owner, and existing household members keep their access.

Safeguards and responsibilities. We do not verify a Backup's report; the 7-day window and your ability to stop the transfer are the safeguard. Keep your Backup's details and your email address current. A Backup who makes a false report breaches these Terms and may be liable to you and others. After a transfer, changes the new owner makes are kept in a tamper-evident record they cannot alter, and anything they delete can be restored for 90 days.

Paid plans after a transfer. We stop all charges to the previous owner’s payment method, including for extra plans, extra household places and helper edit access. Your Backup may keep using inherited plans, including any extras, to the end of the time already paid for, or for 7 days if no paid time remains, whether or not they already have a paid plan of their own. If your Backup does not then keep the inherited plans, by subscribing or by adding them as extras, the plans are locked but kept for 12 months instead of 30 days (the Estate Lock Period). During that time your Backup is not charged for them and can export them at no charge, as set out in the Subscription Services Agreement.

Your instruction to us. Naming a Backup is your instruction about who may access and control your account and its contents after your death or incapacity. To the extent the law allows, including state laws on fiduciary access to digital assets, this instruction applies even if a will or other document says otherwise. Keep it consistent with your estate plan.

7. Data Sensitivity

PharosLife is designed to minimize risk.

You agree not to enter or store highly sensitive information, including:

• Social Security numbers
• Full financial account numbers
• Passwords or login credentials for other accounts
• Government-issued identification numbers

We automatically block some of these formats, but not all. Users who store prohibited data do so in violation of these Terms and PharosLife disclaims all liability arising from such use.

Consents. Some sections hold sensitive personal or health information and open only if you give the related consent. Withdrawing a consent permanently deletes the information stored under it, and it cannot be restored.

8. AI & Guidance Disclaimer

PharosLife uses artificial intelligence, including Ask Pharos, our AI assistant, to generate:

• Suggested actions
• Checklists
• Educational or planning guidance
• Answers to your questions

You acknowledge that:

• Outputs are based on general information and patterns
• They may not be complete, accurate, or applicable to your situation, even when they sound confident
• They are not a substitute for professional advice

You are solely responsible for decisions you make based on the Services. Guidance provided through the Services is for general information purposes only and not a substitute for qualified legal, financial, tax, medical, or other professional advice and should not be relied upon as such. Users are solely responsible for obtaining qualified professional advice before acting on any guidance provided through the platform.

Ask Pharos is available on a monthly allowance of AI credits that depends on your plan, and you may be able to buy more. Ask Pharos may decline some questions and direct you to a professional or another resource instead. Do not rely on it in an emergency; call 911 or the appropriate crisis line. Our Privacy Policy explains how we handle what you send to Ask Pharos.

9. Communications

By using the Services, you agree that we may contact you via:

• Email
• Platform notifications

These communications may include account updates, product updates, and service-related notices. You may opt out of non-essential communications. Some messages are essential to how the Services work and are sent as long as you have an account, including security alerts, invitations, Backup and transfer notices, billing notices and deletion notices. You can turn off session reminders where you set your planning rhythm. Marketing emails include an unsubscribe link.

10. Paid Plans

When you sign up, you get a 7-day free trial of the Individual plan, with no payment card required. After the trial, you need a paid plan to keep using your plans.

Paid plans and add-ons renew automatically each month or year until you cancel. You can cancel at any time in Plans & Billing, and cancellation takes effect at the end of the period you have paid for. All purchases are final and non-refundable: if you cancel, your plan stays active until the end of the period you have paid for, and you won't be charged again. Before each purchase, we show you this policy next to the price and ask you to confirm it by ticking a box.

If your trial ends without a subscription, a payment is not made within 14 days of failing, or your plan ends, your plans are locked for 30 days. You can't open them, but you can export them or subscribe again. After 30 days they are permanently deleted.

Prices, plans, add-ons, renewal reminders and the Estate Lock Period are set out on our pricing page and in the Subscription Services Agreement, which controls on these topics.

11. Third-Party Services

PharosLife may rely on third-party providers (e.g., hosting, analytics, payments, sign-in with Google, address lookup and AI processing).

We are not responsible for:

• The performance of third-party services
• Their privacy or security practices

Use of third-party services is subject to their respective terms. Our service providers' handling of your personal information on our behalf is governed by our Privacy Policy and our contracts with them.

12. Intellectual Property

All content and materials provided through PharosLife — including design, frameworks, workflows, and software — are owned by PharosLife or its licensors.

You may not:

• Copy, reproduce, or distribute content
• Reverse engineer or exploit the platform

Your content. You keep ownership of the information you put into the Services. You give PharosLife permission to host, store, process, display and share it only as needed to provide the Services to you and the people you choose, and as described in our Privacy Policy. We do not use your content to train AI models. You may print or export your own plans for personal use.

13. Feedback and Reporting Misconduct

We welcome and encourage you to provide feedback, comments and suggestions (collectively “Feedback”) for improvements to the Site and PharosLife’s Services. You may submit feedback by emailing us at info@mypharoslife.com. You acknowledge and agree that all Feedback will be the sole and exclusive property of PharosLife and you hereby irrevocably assign to PharosLife and agree to irrevocably assign to PharosLife all of your right, title, and interest in and to all Feedback, including without limitation all worldwide patent, copyright, trade secret, moral and other proprietary or intellectual property rights therein. At PharosLife’s request and expense, you will execute documents and take such further acts as PharosLife may reasonably request to assist PharosLife to acquire, perfect, and maintain its intellectual property rights and other legal protections for the Feedback.

To report misuse of the Services, a plan created about you without your permission, a false Backup report, or a security concern, email info@mypharoslife.com.

14. Service Availability

PharosLife is an evolving platform. We may modify features, add or remove functionality, or interrupt or discontinue services. We do not guarantee continuous availability or error-free operation. PharosLife shall not be liable for any interruption, delay, or failure to perform resulting from causes outside its reasonable control, including without limitation acts of God, natural disasters, government actions, internet or infrastructure outages, or other causes beyond PharosLife's reasonable control. If we discontinue the Services as a whole, we will give at least 30 days' notice and a chance to export your plans, and refund any prepaid fees as set out in the Subscription Services Agreement.

15. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis, to the fullest extent permitted by law. PharosLife makes no guarantees regarding accuracy of content, completeness of guidance, or availability or reliability of the platform. Notices we send by email, including Backup and transfer notices, depend on email delivery we do not control.

16. Limitation of Liability

To the fullest extent permitted by law, PharosLife is not liable for:

• Financial loss
• Missed deadlines or obligations
• Decisions made using the platform
• Outcomes related to life events

PharosLife is designed to reduce complexity — not eliminate all risk.

YOU ACKNOWLEDGE AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE ENTIRE RISK ARISING OUT OF YOUR ACCESS TO AND USE OF THE SITE OR SERVICES REMAINS WITH YOU. NEITHER PHAROSLIFE NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THE SITE OR ANY SERVICES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOSS OF DATA OR LOSS OF GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE PRODUCTS OR SERVICES, OR FOR ANY DAMAGES FOR PERSONAL OR BODILY INJURY OR EMOTIONAL DISTRESS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, FROM THE USE OF OR INABILITY TO USE THE SITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT PHAROSLIFE HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. NOTWITHSTANDING THE FOREGOING, TO THE EXTENT PERMITTED BY LAW, PHAROSLIFE’S TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID DIRECTLY TO PHAROSLIFE FOR USE OF THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD, GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF CERTAIN LIABILITIES, SO SOME OR ALL OF THIS SECTION MAY NOT APPLY TO YOU.

17. Indemnification

You agree to indemnify, defend, and hold harmless PharosLife and its officers, directors, employees, and agents from and against any third-party claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of: (a) your access to or use of the Services, or your violation of these Terms; (b) your violation of any third party right, including without limitation any copyright, property, or privacy right; (c) your unauthorized input of third-party personal data into the Services; (d) any claim that your use of the Services caused damage to a third party; and (e) any false statement you make through the Services, including about consent, legal authority, parental status, or a death or incapacity, except to the extent a claim is caused by PharosLife's own negligence or misconduct.

18. Account Deletion, Suspension and Termination

You can delete your account at any time in Settings. We wait 7 days before deleting it, so you can change your mind, and during that time we notify people who will lose access, such as household members and delegates. You can hand plans or a household over to someone else first. After 7 days your account and the plans you own are permanently deleted and cannot be restored. Plans about you held by someone else, and your name in other people's plans, are not deleted with your account. If you own a household, deleting your account closes it, and members keep their own plans. You cannot delete your account while a Backup's transfer request against it is pending; you can stop the transfer instead.

We may suspend or terminate your access to the Services if you breach these Terms, if the law requires it, or to protect the Services, other users or the public. Where reasonable, we will give you notice and a chance to export your plans. If we end a paid plan without cause, the Subscription Services Agreement sets out your refund.

19. Changes to These Terms

We may update these Terms from time to time. For material changes, we will provide written notice to the email address associated with your account, or via a prominent notice on the platform. Your continued use of the Services following the notice period constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services before the effective date of the changes. Changes do not apply to disputes that arose before the change took effect.

20. Governing Law, Jurisdiction, and Venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles, except that nothing in these Terms takes away any protection you have under the consumer laws of the state where you live that cannot be waived by agreement. Any dispute arising out of or relating to these Terms or the Services will be brought in the state or federal courts for the county where you live or for Alameda County, California, and you and PharosLife consent to personal jurisdiction in those courts. Either of us may instead bring an eligible claim in small claims court. Before filing a claim, please email info@mypharoslife.com so we can try to resolve it informally.

Notice to California Residents. If you are a California resident, under California Civil Code §1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the Services or to receive further information regarding use of the Services.

21. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND PHAROSLIFE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. IF THIS WAIVER IS FOUND UNENFORCEABLE FOR A PARTICULAR CLAIM, THIS SECTION WILL NOT APPLY TO THAT CLAIM, AND THE REST OF THESE TERMS WILL REMAIN IN EFFECT.

22. Severability and General

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

These Terms, our Privacy Policy, our Consumer Health Data Privacy Policy and, if you have a paid plan, our Subscription Services Agreement are the entire agreement between you and PharosLife about the Services. Our failure to enforce a provision is not a waiver. You may not transfer your rights under these Terms except through a Backup designation or plan handover offered in the Services. We may transfer them in connection with a merger, acquisition or sale of assets.

23. Contact

PharosLife, Inc.
1311 Park St
Unit #676
Alameda, CA 94501
info@mypharoslife.com
Privacy questions: privacy@mypharoslife.com
Legal notices: legal@mypharoslife.com