Terms of Use

Last Updated: July 12, 2026

Welcome to Trust Love. Please read these Terms of Use ("Terms") carefully before using the website at trustloveassist.com, the Family Portal at portal.trustloveassist.com, and related services (the "Platform") operated by Trust Love, Inc., a Delaware C-Corporation ("Trust Love," "we," "us," or "our").

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

1. Trust Love Is Not a Law Firm

The Family Portal and all related outputs generated through the Platform — including Family Protection Details, Areas for Attorney Review, and downloadable binder reports — are organizational and informational only. They are based on self-reported data and do not constitute a legal assessment, legal opinion, or recommendation of any specific legal action or document.

Healthcare information collected through the Platform is captured as Non-Binding Healthcare Preferences. This information does not constitute a legally binding Advance Directive, Living Will, or Healthcare Power of Attorney under any state's laws. Consult a licensed attorney in your jurisdiction to execute legally binding healthcare directives.

When you choose to invite an attorney to view portions of your Family Portal, the attorney-client relationship exists exclusively between you and that attorney — not between you and Trust Love. Trust Love does not control, supervise, or take responsibility for any legal advice, documents, or services provided by attorneys.

2. The Family Portal

The Family Portal is a secure, web-based platform that allows you to organize your family's critical information across twelve chapters covering personal identity, healthcare preferences, emergency contacts, financial accounts, insurance policies, property, digital accounts, document locations, final wishes, personal messages, pet care, and business information.

The Portal includes a built-in help system that provides general educational information, plain-English definitions of terms, and contextual guidance for each section. This help system does not provide legal, financial, or tax advice, does not make legal recommendations, and does not create attorney-client relationships. All legal judgments, document selections, and professional advice are the exclusive responsibility of licensed professionals.

The Portal also includes Family Protection Details — an analytical feature that identifies potential gaps in your family's protection based on the information you have entered (for example, flagging that minor children have no named guardian, or that real estate is held without trust protection). These outputs are marked as Areas for Attorney Review and are intended as organizational prompts, not legal assessments.

3. Eligibility

You must be at least 18 years old to create an account on the Platform. By using the Platform, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. Parents and legal guardians may enter information about their minor children as part of their family record.

4. Your Account and Data

When you create an account, you will authenticate through our identity provider, Clerk. You are responsible for maintaining the security of your authentication credentials and for all activity that occurs under your account.

You may provide personal information across twelve chapters of the Family Portal, including healthcare information, financial information, insurance details, property records, digital account information, legal document locations, and personal messages. You represent that all information you provide is accurate and current to the best of your knowledge.

You may upload documents to your Family Folder, including birth certificates, insurance cards, deeds, passports, and other files. Uploaded documents are encrypted at rest using AES-256 encryption and stored on Cloudflare R2 infrastructure.

You may connect bank accounts through Plaid, Inc. Your bank login credentials are transmitted directly to Plaid and are never seen, accessed, or stored by Trust Love. Your use of Plaid is subject to Plaid's Terms of Service.

You agree to notify us immediately of any unauthorized access to or use of your account. For details about how we collect, use, and protect your information, please see our Privacy Policy.

5. Family Access Control

The Platform allows you to invite family members, executors, attorneys, and financial advisors to view portions of your Family Portal. When you invite someone:

• You select their permission level, which determines which sections of your Portal they can see
• Sensitive fields (Social Security numbers, account numbers) are hidden by default regardless of permission level
• You may modify or revoke any person's access at any time
• The invited person creates their own account and is subject to these Terms

You are solely responsible for deciding who to invite and what permission level to assign. Trust Love does not control, review, or approve your sharing decisions. Trust Love is not liable for any consequences arising from your decision to share Portal information with any person.

If you are invited to view another person's Portal, you agree to use the information solely for the purpose for which access was granted. You agree not to copy, distribute, or disclose any Portal information to any person not authorized by the account holder.

6. Subscription, Fees, and Cancellation

Access to the Family Portal requires a paid subscription. Current pricing is:

• Annual Plan: $199 per year
• Monthly Plan: $19.99 per month, cancel anytime

All fees will be clearly disclosed before you are asked to pay. Payments are processed through Stripe, a PCI-compliant payment processor. Trust Love does not store credit card numbers.

30-Day Money-Back Guarantee. If you are not satisfied with the Platform within thirty (30) days of your initial purchase, you may request a full refund by contacting us at [email protected]. No refund requests will be processed after the 30-day period.

Cancellation. You may cancel your subscription at any time. Upon cancellation:

• Your access to the Portal continues through the end of your current billing period
• After your billing period ends, you will have 30 days to download or print your Portal data and documents
• After the 30-day grace period, your data and uploaded documents will be permanently deleted from our systems
• Family members you have invited will lose access when your subscription ends

Trust Love reserves the right to change pricing with 30 days' notice. Price changes will not affect your current billing period.

7. Intellectual Property

All content on the Platform — including text, graphics, logos, the Trust Love name and brand, software, watercolor illustrations, and design — is the property of Trust Love, Inc. and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from any Platform content without our prior written consent.

Content you enter into your Family Portal remains yours. You retain all rights to your personal information, uploaded documents, and personal messages. Trust Love claims no ownership over your data.

8. Prohibited Uses

You agree not to:

• Use the Platform for any unlawful purpose
• Provide false or misleading information in your Portal
• Attempt to gain unauthorized access to any part of the Platform or another user's Portal
• Interfere with or disrupt the Platform's operation
• Use the Platform to harvest or collect information about other users
• Use automated tools (bots, scrapers) to access the Platform without our written consent
• Share, copy, or distribute another account holder's Portal information beyond the purpose for which access was granted
• Use information accessed through Family Access Control for any commercial, legal, or adversarial purpose not authorized by the account holder

9. SMS and Electronic Communications

By providing your phone number and/or email address, you consent to receive transactional communications from Trust Love, including Portal access confirmations, family member invitations, and service-related notifications.

You may also opt in to receive educational and promotional communications. You may opt out of promotional communications at any time by replying STOP to any SMS message or clicking the unsubscribe link in any email. Opting out of promotional communications will not affect transactional messages related to services you have requested.

Message and data rates may apply. Message frequency varies. Reply HELP for assistance.

10. Disclaimer of Warranties

THE PLATFORM AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TRUST LOVE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Trust Love does not warrant that the Family Portal, Family Protection Details, Areas for Attorney Review, or any information provided through the Platform is complete, accurate, or suitable for any particular legal, financial, or medical situation. All Portal outputs are based on self-reported data and general informational logic — not a professional analysis of your specific circumstances.

Trust Love does not warrant the accuracy or completeness of financial data imported through Plaid. You are responsible for verifying the accuracy of any automatically imported information.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TRUST LOVE, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PLATFORM, INCLUDING BUT NOT LIMITED TO:

• DAMAGES RESULTING FROM RELIANCE ON INFORMATION PROVIDED THROUGH THE PLATFORM
• DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO YOUR ACCOUNT OR DATA
• DAMAGES ARISING FROM YOUR DECISION TO SHARE PORTAL INFORMATION WITH ANY PERSON THROUGH FAMILY ACCESS CONTROL
• DAMAGES ARISING FROM INACCURATE OR INCOMPLETE FINANCIAL DATA IMPORTED THROUGH PLAID
• DAMAGES ARISING FROM THE FAILURE TO EXECUTE LEGALLY BINDING DOCUMENTS BASED ON INFORMATION IN YOUR PORTAL

TRUST LOVE'S TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE AMOUNT YOU PAID TO TRUST LOVE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

12. Indemnification

You agree to indemnify and hold harmless Trust Love, Inc., its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Platform, your violation of these Terms, your sharing decisions through Family Access Control, or your violation of any third-party rights.

13. Dispute Resolution

Any dispute arising from these Terms or your use of the Platform shall be governed by the laws of the State of Delaware, without regard to its conflict of law provisions.

Before initiating any formal proceedings, you agree to first contact us at [email protected] and attempt to resolve the dispute informally for at least thirty (30) days.

Any dispute not resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, conducted in the Washington, DC metropolitan area. You agree that any arbitration will be conducted on an individual basis and not as a class action.

14. Termination

We may suspend or terminate your access to the Platform at any time for violation of these Terms or for any conduct we determine to be harmful to other users, the Platform, or Trust Love. Upon termination by Trust Love:

• You will be given 30 days' notice and an opportunity to download your data and documents, unless the termination is for a violation that poses an immediate security risk
• Your right to use the Platform ceases at the end of the notice period
• Family members you have invited will lose access to your Portal

Sections 1, 7, 10, 11, 12, and 13 shall survive termination.

15. Accessibility

Trust Love is committed to making the Platform accessible to all users. The Platform is designed to meet WCAG 2.1 Level AA accessibility standards, including screen reader compatibility, keyboard navigation, high-contrast visual design, and minimum text sizes for readability. If you encounter any accessibility barriers, please contact us at [email protected] so we can address them.

16. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on the Platform, updating the "Last Updated" date, and, where appropriate, sending a notification to the email address associated with your account. Your continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Trust Love regarding your use of the Platform.

19. Contact Us

If you have questions about these Terms, contact us at:

Trust Love, Inc.
4014 21st Ave., Temple Hills, MD 20748
Email: [email protected]
Phone: (240) 646-4766