Terms and Conditions

We offer services on a one-time purchase basis and/or subscription basis. If you choose a subscription, you authorize us to automatically initiate recurring non- refundable payments.

Your initial purchase provides access to the services for an "Initial Service Period." After the Initial Service Period, your subscription will automatically renew at the interval specified at the time of purchase. Your payment method will be charged upon each renewal.

To cancel your subscription, you must do so through your account at least one day before the next automatic renewal. If you cancel, your access to the services will continue until the end of your then-current subscription period, and then terminate without further charges. There are no refunds for unused portions or time remaining in a subscription, except as required by law.

We may terminate your access to the services, including paid subscriptions, at our sole discretion and without notice. If we cancel your paid subscription, we may provide a prorated refund based on the amount of time remaining, but only if we determine that your actions or use of the services violates these terms or applicable law.

We may offer trial, discounted, or promotional rates. These rates are subject to these terms, and only one trial or promotional rate is available per household. If your paid subscription is canceled or terminated, you may not be eligible for another promotional rate offer.

We may change the renewal price for your paid subscription or modify the services at any time upon notice to you. Any changes will only take effect upon the next automatic renewal following the provision of notice. If you do not wish to renew at the changed renewal price, you must cancel your plan through your account or by contacting us.

You agree that we (or our third-party payment processor) may store your payment method and related payment information. You authorize us (or our third-party payment processor) to automatically charge your payment method for any automatic renewal payments unless you cancel your paid subscription as described above.

If any attempt to charge your payment method is not successful or if the automatic renewal payment fails for any reason, we may suspend or terminate your access to the services without notice to you.

By using our site, you consent to the collection, use, and transfer of your personal data in accordance with our Privacy Policy. This includes the potential capture of your keystroke and page-specific input data using session replay technology to improve customer service and product optimization.

You acknowledge that your interactions with our site may be recorded for quality assurance purposes.

We have implemented commercially reasonable technical and organizational measures to secure your personal information from accidental loss and unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat these measures or use your personal information for improper purposes.

You agree that you provide your personal information and other data to CryptoTrustandWill at your own risk. While we take reasonable measures to protect your data, there is always a risk that unauthorized third parties may access or misuse your personal information.

To ensure the security and integrity of your account, you must:

When sharing access to your documents, you do so at your own risk. CryptoTrustandWill is not responsible for any losses you incur due to someone else's use of your account.

You may be held liable for any losses incurred by CryptoTrustandWill due to someone else's use of your account. You are entirely responsible for maintaining the confidentiality of your password and ensuring the security of your account.

CryptoTrustandWill respects the intellectual property rights of content owners and has a policy of responding to alleged infringement notices that comply with the Digital Millennium Copyright Act of 1998 (DMCA).

If you believe that your copyrighted work has been copied and is accessible through our Services, please notify our copyright agent with the following information:

Under federal law, knowingly misrepresenting that online material is infringing can result in criminal prosecution for perjury and civil penalties, including monetary damages, court costs, and attorney's fees.

CryptoTrustandWill may terminate the accounts of repeat infringers and limit access to the Services in appropriate circumstances. We may also terminate the accounts of users who infringe the intellectual property rights of others, whether or not there is repeat infringement.

This procedure is exclusively for notifying CryptoTrustandWill and its affiliates of alleged infringement. The preceding requirements are intended to comply with our rights and obligations under the DMCA, but do not constitute legal advice. It may be advisable to consult with an attorney regarding your rights and obligations under the DMCA and other applicable laws.

The Services may include links to third-party websites, advertisers, and services. CryptoTrustandWill does not endorse or control these third-party sites, and you access them at your own risk. These Terms of Service and CryptoTrustandWill's Privacy Policy do not apply to your use of third-party sites. You release CryptoTrustandWill from any liability arising from your use of these sites.

CryptoTrustandWill provides Professional Services, such as the Advisor Platform, designed for professionals and Affiliates. However, our direct-to-consumer platform is not intended for professional use. If you use Professional Services or our platform as an agent of a corporation that provides Affiliate Services, CryptoTrustandWill disclaims any liability related to such use.

CryptoTrustandWill is not a law firm and does not provide legal advice. We make no representations or warranties regarding the accuracy, completeness, or reliability of any information contained in our Professional Services. Third-party involvement in the estate planning process is not necessary or required to receive discounts or purchase an estate plan.

CryptoTrustandWill disclaims any liability regarding third-party involvement in the estate planning process. We do not endorse or guarantee the sophistication or expertise of any third-party or Affiliate services. You release CryptoTrustandWill from any liability associated with third-party or Affiliate involvement or influence.

You agree to defend, indemnify, and hold harmless CryptoTrustandWill and its affiliates, including their employees, contractors, agents, officers, and directors, from any claims, damages, losses, liabilities, costs, or expenses (including attorney's fees) arising from:

The Services are provided "as is" and "as available" without any warranties, express or implied. This includes warranties of merchantability, fitness for a particular purpose, and non-infringement. No advice or information obtained from CryptoTrustandWill or through the Services creates a warranty not explicitly stated here.

CryptoTrustandWill and its licensors do not guarantee that:

CryptoTrustandWill does not endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the CryptoTrustandWill Services or any hyperlinked website or service. CryptoTrustandWill will not be a party to or monitor any transaction between you and third-party providers of products or services.

To the maximum extent permitted by applicable law, CryptoTrustandWill, its affiliates, agents, directors, employees, suppliers, and licensors will not be liable for any damages, including:

In no event shall CryptoTrustandWill, its affiliates, agents, directors, employees, suppliers, or licensors be liable to you for any claims, proceedings, liabilities, obligations, damages, losses, or costs in an amount exceeding the amount you paid to CryptoTrustandWill hereunder.

This limitation of liability section applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if CryptoTrustandWill has been advised of the possibility of such damage.

This paragraph does not apply to North Carolina consumers.

The CryptoTrustandWill Services are designed for users in the United States and are controlled and operated from within the country. We make no representations that the Services are available or appropriate for use in other locations.

If you access or use the Services from outside the United States, you do so at your own risk and are responsible for complying with all applicable local laws and regulations, including export and import regulations.

You may not use the Services if you are:

These Terms of Service can only be assigned by CryptoTrustandWill. You cannot transfer or assign these Terms of Service or any rights or licenses granted hereunder. However, CryptoTrustandWill reserves the right to transfer or assign these Terms of Service and any rights or licenses granted hereunder without restriction.

You agree that:

The United Nations Convention on Contracts for the International Sale of Goods is excluded.

The arbitration provision does not apply to North Carolina consumers.

You acknowledge and agree that you are waiving your right to participate as a plaintiff or class in any purported class action or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding, unless both you and CryptoTrustandWill agree otherwise in writing.

This waiver of the right to participate in a class action lawsuit does not apply to consumers who participate in an offering made to AARP members.

Important Notice: Your Legal Rights May Be Affected

Before using our services, please carefully read this section, as it may impact your legal rights, including your ability to file a lawsuit in court and your right to participate in a class action.

If a dispute arises between you and CryptoTrustandWill, we will first try to resolve it through an informal process. If this process fails, we will use binding arbitration to resolve the dispute. This means that an arbitrator, rather than a court, will make a final decision.

Informal Dispute Resolution

We encourage you to work with us to resolve any disputes informally. This includes engaging in good faith negotiations to settle the dispute. If we are unable to resolve the dispute informally, we will proceed to binding arbitration

Note: Failure to participate in the informal dispute resolution process may result in the award of fees against you in arbitration

Initiating Informal Dispute Resolution

To start the informal dispute resolution process, the initiating party must send a written description of the dispute to the other party. If you're initiating a dispute against CryptoTrustandWill, you agree to:

Send a written description of the dispute to [email protected], including:

If the informal dispute resolution process doesn't resolve the issue, either party can initiate binding arbitration to settle the dispute. This arbitration will be the sole means of resolving disputes, except as specified below.

To initiate arbitration, you must send a copy of the demand to [email protected]. The demand must include the email address associated with your CryptoTrustandWill account.

You and CryptoTrustandWill agree that any dispute will be resolved through binding arbitration, governed by this Section 22. This agreement applies to all disputes, including those that arose before or after the existence of this agreement, as well as those that may arise after the termination of this agreement.

The Federal Arbitration Act (FAA) will govern the interpretation and enforcement of this Arbitration Agreement.

If any part of this Arbitration Agreement is deemed invalid by an arbitrator or court, we agree that the arbitrator or court will try to enforce the original intention behind the provision. The other parts of the agreement will remain in effect.

We understand that an arbitrator, not a judge or jury, will decide our dispute. Additionally, the discovery process and appeals may be limited in arbitration. We also acknowledge that the costs of arbitration may be higher than those of litigation in some cases

By agreeing to these Terms of Service, including this Arbitration Agreement, we each waive our right to a trial by jury to the maximum extent permitted by law.

Exceptions to Arbitration

Even though we've agreed to resolve all disputes through arbitration, each party retains the right to:

YOU AND TRUST & WILL AGREE THAT, TO THE MAXIMUM EXTENT ALLOWED BY LAW, any arbitration will be conducted individually and not as a class or representative action. The arbitrator can only award relief in favor of the individual party seeking relief and only to the extent necessary to resolve their individual claim. However, if CryptoTrustandWill provides written consent, an arbitration involving you may proceed on a consolidated basis.

This provision does not prevent you or CryptoTrustandWill from participating in a class-wide settlement of claims.

Invalid Provisions

If any part of the Arbitration Agreement is deemed invalid, unenforceable, or illegal, or conflicts with NAM rules, the remaining parts of the agreement will remain in effect and will be interpreted according to their terms as if the invalid provision were not included. However, if Subsection C and Subsection G are found to be invalid, unenforceable, or illegal as applied to your claims, the entire Arbitration Agreement will be deemed null and void, and neither you nor CryptoTrustandWill will be required to arbitrate their dispute.

Arbitration Rules

The arbitration will be administered by NAM in accordance with their rules, including the Comprehensive Dispute Resolution Rules and Procedures, Fees For Disputes When One of the Parties is a Consumer, and Mass Filing Supplemental Dispute Resolution Rules and Procedures. However, these rules will be modified by this Dispute Resolution section and will exclude any rules or procedures governing or permitting class or representative actions. The applicable NAM rules and procedures are available at www.namadr.com or by emailing National Arbitration and Mediation's Commercial Dept at [email protected]. If NAM is not available to arbitrate, the parties will select an alternative arbitration provider.

If the amount in controversy between the parties does not exceed $10,000, the arbitration will be conducted solely based on the documents submitted to the arbitrator, unless the parties agree otherwise or the arbitrator determines a hearing is necessary. If the amount in controversy exceeds 10,000, either party may request an arbitration hearing, and that hearing will presumptively be held via video- or telephone conference unless the arbitrator determines there is good cause to hold an in-person hearing or the parties agree otherwise. In the event of an in-person hearing, the location will be determined by mutual agreement of the parties or, if the parties cannot agree, by the arbitrator in accordance with NAM rules.

The arbitrator or arbitration body will have the authority to grant any relief that would be available in a court under law or equity. The arbitrator can impose sanctions on any party that files frivolous claims or submissions that are not made in good faith, as well as for failure to comply with the informal dispute resolution procedure.

The arbitrator will have the discretion to allow the filing of dispositive motions if they are likely to efficiently resolve or narrow the issues in dispute, subject to the applicable NAM rules and procedures.

The arbitrator will render an award within the time frame specified in the NAM rules. The award will include the essential findings and conclusions upon which the arbitrator based the decision. The arbitrator's decision can be enforced in any court having jurisdiction.

The arbitrator's award of damages must be consistent with the terms of the "Limitation of Liability" section, which limits the types and amounts of damages for which a party can be held liable.

No individual arbitration award or decision will have any preclusive effect on issues or claims in any dispute with someone who is not a named party to the arbitration.

Attorneys' fees will be available to the prevailing party in the arbitration if authorized under applicable substantive law governing the claims in the arbitration. All arbitration proceedings will be confidential and closed to the public, and all records relating to the arbitration will be permanently sealed, except as necessary to obtain court confirmation of the arbitration award.

To streamline the arbitration process, we agree to batch similar arbitration demands together. If 100 or more similar demands are submitted to NAM, we will group them into sequential batches of approximately 100 demands each. The remaining demands will be included in a final batch.

We agree to the following:

For each batch, the arbitrator will be selected in accordance with NAM's rules and procedures, to the greatest extent possible. The arbitrator will determine whether the proceedings will occur remotely or in-person. Each claimant may strike the selected arbitrator and, if they do, their demand will be included in a subsequent batch.

We agree to cooperate with each other and the arbitration provider to implement a batch approach or similar process to efficiently resolve claims. We will also cooperate to establish any other processes or procedures that the arbitration provider or arbitrator believe will provide for an efficient resolution of claims.

If your demand for arbitration is included in a Mass Filing, your claims will remain tolled until your demand is decided, withdrawn, or settled.

After the first batch of demands is fully adjudicated, a NAM mediator will be selected to facilitate a resolution of the remaining demands in the Mass Filing. The mediator will be chosen from a list of 5 mediators proposed by NAM, and CryptoTrustandWill and the remaining claimants' counsel will have the opportunity to strike one mediator each and then rank the remaining mediators. The highest- ranked mediator will be selected.

During the 90-day Mediation Period, CryptoTrustandWill, the remaining claimants, and their counsel will work with the mediator to try to resolve the outstanding demands or agree on a methodology for resolving them. If the parties are unable to reach a resolution or agree on a methodology, either CryptoTrustandWill or the remaining claimants may opt out of the arbitration process and have their demand(s) proceed in a court of competent jurisdiction. Notice of the opt-out must be provided in writing within 60 days of the close of the Mediation Period.

If neither CryptoTrustandWill nor the remaining claimants opt out and they cannot agree on a methodology for resolving the remaining demands through further arbitration, the arbitrations will continue with the batching process outlined in Subsection G. If neither party opts out, the arbitrations will proceed in the order determined by the sequential numbers assigned to demands in the Mass Filing.

If there is a disagreement about whether this provision applies or about the batch process, a procedural arbitrator appointed by NAM will resolve the issue.

This batch arbitration provision does not increase the number of claims necessary to trigger NAM's Mass Filing Supplemental Dispute Resolution Rules and Procedures or authorize class arbitration. Unless CryptoTrustandWill consents in writing, we do not agree to class arbitration, private attorney general arbitration, or arbitration involving joint or consolidated claims under any circumstances, except as set forth above

Except as required by applicable law, your responsibility to pay arbitration fees will be governed by the NAM rules, including any fee waivers. However, if the arbitrator finds that your claim was frivolous or brought for an improper purpose, you understand and agree that you may be required to reimburse CryptoTrustandWill for arbitration fees, including attorneys' fees, that CryptoTrustandWill incurred to defend your claim(s). You are responsible for your own attorneys' fees, unless the arbitration rules and/or applicable law provide otherwise.

The parties agree that NAM has the discretion to reduce the amount or modify the timing of any administrative or arbitration fees due under NAM's rules, as deemed appropriate. This includes the modification specified in Subsection G. However, such modification must not increase the costs to you. You waive any objection to such fee modification.

The parties also agree that a good-faith challenge by either party to the fees imposed by NAM does not constitute a default, waiver, or breach of this Section 22 while the challenge remains pending before NAM, the arbitrator, and/or a court of competent jurisdiction. During the pendency of such challenge, all due dates for those fees will be tolled.

You have the right to opt out of the Arbitration Agreement by sending a written notice to [email protected] with the subject line "ARBITRATION OPT-OUT". The notice must be sent from the email address associated with your account (if you have one), or if this is not possible, you must promptly cooperate with us to identify your account if you have one.

You must send the notice within thirty (30) days of first becoming subject to this Arbitration Agreement. If you opt out, you will not be bound by the Arbitration Agreement and will have the right to a trial by jury or judge, as permitted by applicable law. However, if you opt out, any prior existing agreement to arbitrate disputes under a prior version of the Arbitration Agreement will not apply to claims not yet filed.

If you opt out, CryptoTrustandWill will not be bound by the Arbitration Agreement. We will continue to honor any valid opt outs if you opted out of arbitration in a prior version of the Terms of Service pursuant to the requirements set forth in that version.

Changes to Arbitration Agreement

CryptoTrustandWill will provide 30 days' notice of any material changes to this Section 22. These changes will take effect on the 30th day and will apply to all claims not yet filed, regardless of when they may have accrued.

If CryptoTrustandWill changes this Section 22 after you first accepted this Arbitration Agreement (or accepted any subsequent changes to this Arbitration Agreement), you agree that your continued use of the Services 30 days after such change will be deemed acceptance of those changes. If you do not agree to these changes, you may opt out by providing notice as described in previous Subsection

CryptoTrustandWill does not provide tax advice or services of any kind. Any information about taxes shared by CryptoTrustandWill is intended for general educational purposes only and should not be relied upon as tax advice. We provide this disclosure to comply with the requirements of the Internal Revenue Service under Circular 230.

Please note that any U.S. federal tax advice provided by CryptoTrustandWill is not intended or written to be used for purposes of avoiding penalties under the Internal Revenue Code or promoting, marketing, or recommending to another person any matters addressed in our communications.

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