End User Licence Agreement

"Application" means The Legacy Vault for Canadians software application, including all components, documentation, updates, patches, and any printed or electronic materials provided by Licensor in connection with the software.

"Data File" means the encrypted file or files created by the Application to store information entered by the Licensee.

"Passphrase" means the password or passphrase chosen by the Licensee to encrypt and access the Data File.

"Device" means a personal computer running a supported operating system on which the Application may lawfully be installed.

"Household" means the Licensee and the individuals who reside at the same primary residence as the Licensee.

The Application is a personal organizing tool designed to help Canadian residents gather, store, and maintain essential personal, financial, legal, medical, and end-of-life information in a single, encrypted location on the Licensee's own Device. The Application is intended to assist Licensees in preparing a private, organized record that family members, executors, or other authorized persons may refer to in the event of the Licensee's death, incapacity, or absence.

The Application is an organizing tool only and does not provide, and is not a substitute for, legal, financial, medical, tax, accounting, or other professional advice. The Licensee should consult appropriate qualified professionals regarding any decisions related to estate planning, taxation, healthcare, or other matters of personal significance.

Subject to the terms of this Agreement and payment of the applicable fee, Licensor grants Licensee a non-exclusive, non-transferable, revocable, limited licence to install and use the Application on Devices owned or controlled by Licensee or members of Licensee's Household, for personal, non-commercial purposes only.

The Application is licensed, not sold. This Agreement grants Licensee only the right to use the Application in accordance with its terms; no ownership rights are conveyed.

The Application stores all information entered by Licensee locally on the Licensee's own Device. The Application does not transmit Licensee's information to Licensor, to any third party, or to any external server. The Application does not require an internet connection to operate.

The Data File is encrypted using industry-standard encryption and is protected by a Passphrase chosen solely by the Licensee. Licensor has no access to, no knowledge of, and no ability to recover the Licensee's Passphrase or the contents of the Data File.

Licensor's separate Privacy Policy, available at thelegacyvault.ca/privacy, describes information collected through Licensor's website and at the time of purchase. The Privacy Policy does not apply to the operation of the Application on the Licensee's Device, because the Application does not collect or transmit any data.

Passphrase. Licensee is solely responsible for creating, remembering, and safeguarding the Passphrase. Licensor cannot recover, reset, or bypass the Passphrase. If Licensee loses, forgets, or fails to disclose the Passphrase, the Data File and its contents will be permanently and irretrievably inaccessible.

Backups. Licensee is solely responsible for maintaining adequate backups of the Data File. Licensor recommends that Licensee maintain regular backups of the Data File on external storage media kept in a separate location. Licensor is not responsible for loss of data resulting from hardware failure, accidental deletion, software malfunction, theft, fire, flood, or any other cause.

Accuracy and Currency of Information. Licensee is solely responsible for the accuracy, completeness, and currency of information entered into the Application.

Disclosure to Trusted Persons. Licensee is solely responsible for ensuring that appropriate family members, executors, or other authorized persons are made aware of the existence of the Data File and the means of accessing it (including the location of the Passphrase). Licensor has no involvement in, and assumes no responsibility for, such disclosure.

Lawful Use. Licensee is solely responsible for ensuring that the Licensee's use of the Application complies with all applicable laws and regulations.

Licensee acknowledges that the limitations in this Section 10 are an essential element of the basis of the bargain between the parties, and that in the absence of such limitations the fee for the Application would be substantially different.

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent that any such limitation is held unenforceable, the limitation shall apply to the maximum extent permitted by applicable law.

Licensor may, from time to time and at its sole discretion, release updates, patches, bug fixes, or new versions of the Application. Such updates may be provided to Licensee at no additional charge.

Licensor is under no obligation to provide updates, to maintain prior versions, or to continue to support any particular version of the Application.

Updates may be subject to additional or modified terms; in such case, Licensor will notify Licensee and continued use of the updated Application constitutes acceptance of any updated terms.

This Agreement is effective upon Licensee's installation or first use of the Application and continues until terminated.

This Agreement will terminate automatically, without notice from Licensor, if Licensee fails to comply with any of its terms.

Licensee may terminate this Agreement at any time by ceasing all use of the Application and destroying all copies in Licensee's possession.

Upon termination, Licensee shall cease all use of the Application and destroy all copies of the Application in Licensee's possession. Termination shall not entitle Licensee to a refund except as provided in Section 14.

The provisions of Sections 4, 5, 7, 8, 9, 10, 11, 15, 16, and 17 shall survive termination of this Agreement.

This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Each party irrevocably submits to the exclusive jurisdiction of the courts of the Province of Ontario for the resolution of any dispute arising out of or related to this Agreement.

Entire Agreement. This Agreement, together with any documents expressly incorporated by reference, constitutes the entire agreement between the parties with respect to the Application and supersedes all prior agreements, understandings, and representations.

Severability. If any provision of this Agreement is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be reformed to the minimum extent necessary to make it enforceable.

No Waiver. No failure or delay by Licensor in exercising any right under this Agreement shall constitute a waiver of that right.

Assignment. Licensee may not assign this Agreement or any rights under it without Licensor's prior written consent. Licensor may assign this Agreement at its discretion.

Amendments. Licensor may amend this Agreement from time to time. Amendments take effect upon posting on Licensor's website or notification to Licensee in the Application. Licensee's continued use of the Application following an amendment constitutes acceptance of the amended terms.

Force Majeure. Licensor shall not be liable for any failure or delay in performance arising from causes beyond its reasonable control.

Language. The parties have requested that this Agreement and all related documents be drawn up in English. Les parties ont demandé que la présente convention et tous les documents s'y rattachant soient rédigés en anglais.

Notices. All notices to Licensor shall be sent to barbara@thelegacyvault.ca. Notices to Licensee may be sent to the email address provided by Licensee at the time of purchase.