Last updated February 10, 2026
These Terms of Service ("Terms") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you" or "User") and Plansimpl Inc. ("we," "us," or "our"), concerning your access to and use of the PlanSimpl mobile application, website (plansimpl.ca), and any other related services (collectively, the "Services").
By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by all of these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree with all of these legal terms, you are expressly prohibited from using the Services and must discontinue use immediately.
This agreement applies to all "Primary Users" (individuals who create an account to upload content) and "Trusted Contacts" (individuals designated by a Primary User). If you are a Trusted Contact, you agree to these Terms when you first interact with the Services, including by clicking any link in an email from us or by accessing any User Content.
The Services provide a technology platform designed to allow Primary Users to securely upload, store, and manage digital files and documents ("User Content"). The core feature of the Services permits a Primary User to designate one or more "Trusted Contacts" and define an "Inactivity Period." If the Primary User's account remains inactive (as defined by failure to log in) for the duration of the Inactivity Period, the Services are designed to automatically initiate a process to grant the designated Trusted Contact(s) access to the Primary User's User Content, as further described in Section 5.
You must be at least eighteen (18) years of age and the age of legal majority in your jurisdiction to create an account and use the Services. By creating an account, you represent and warrant that you meet this eligibility requirement.
To use the Services as a Primary User, you must register for an account. You agree to provide true, accurate, current, and complete information about yourself as prompted by the registration form. You are responsible for updating this information to maintain its accuracy. Our collection and use of this information is governed by our Privacy Policy.
You are solely responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this section.
You retain full ownership of all User Content you upload, submit, or store through the Services. We do not claim any ownership rights in your User Content.
To provide the Services, you grant Plansimpl Inc. a limited, worldwide, non-exclusive, royalty-free license to host, store, encrypt, transfer, display, and distribute your User Content *solely* for the purpose of operating, providing, and improving the Services. This license includes the right to securely transmit your User Content to your designated Trusted Contact(s) upon the successful completion of the inactivity and release process described in Section 5.
You are solely responsible for your User Content and the consequences of storing or transmitting it. You represent and warrant that you have (and will continue to have) all necessary rights, licenses, consents, and permissions to upload and share your User Content and to grant us the license described herein. You agree that your User Content will not contain material that is copyrighted by a third party or subject to other third-party proprietary rights, unless you have permission from the rightful owner.
The Primary User is solely responsible for correctly configuring the Inactivity Period and accurately designating their Trusted Contact(s), including providing a correct and current email address for each Trusted Contact.
Upon detecting that a Primary User's account has been inactive for the specified Inactivity Period, our automated system will:
You acknowledge and agree that this process is automated and dependent on digital communications. We are not responsible for, and will not be liable for:
The Primary User assumes all risk associated with the configuration of their inactivity plan and the designation of their Trusted Contacts.
As a Primary User, you represent and warrant that you have obtained all necessary prior consent from your Trusted Contact(s) to (a) nominate them for this purpose, and (b) provide their personal information (email address) to us. You agree to indemnify us for any claim brought against us by a Trusted Contact arising from your breach of this representation.
As a Trusted Contact, you acknowledge that your role is defined entirely by the Primary User. We are merely the platform facilitating the Primary User's instructions. We have no fiduciary, legal, or other duty to you or the Primary User beyond providing the Services as described.
Some features of the Services may require payment. If you subscribe to a paid Service, you agree to pay all applicable fees as described on our website or application. All fees are non-refundable except as required by law or as explicitly stated in our payment terms. We reserve the right to change our fees at any time, with reasonable notice provided to you.
You agree not to use the Services to:
You may terminate this agreement at any time by deleting your account through the settings within the Services. Upon termination, your account will be deactivated, your inactivity plan will be canceled, and your User Content will be scheduled for permanent deletion in accordance with our data retention policies (see our Privacy Policy).
We reserve the right, in our sole discretion, to suspend or terminate your account and access to the Services at any time, with or without notice, for any reason, including, without limitation, for:
Upon termination by us, your right to use the Services will immediately cease, and we may permanently delete your account and all associated User Content.
You explicitly acknowledge and agree that Plansimpl Inc. is a technology company, not a law firm, financial advisor, or licensed estate planner. The Services are not a substitute for professional legal, financial, or estate planning advice. We do not provide any legal or financial advice, and your use of the Services does not create an attorney-client or fiduciary relationship. All content, tools, and features provided by the Services are for informational and organizational purposes only. You are solely responsible for obtaining professional advice regarding your legacy, will, or estate plan.
The Services are provided on an "as-is" and "as-available" basis. To the fullest extent permitted by applicable law, we expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranty that the Services will be uninterrupted, timely, secure, or error-free.
We implement security measures as described in our Privacy Policy to protect your information. However, you acknowledge that no electronic transmission or storage technology can be guaranteed to be 100% secure. We cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security. You provide your User Content and personal information at your own risk.
To the fullest extent permitted by applicable law, you agree that in no event shall Plansimpl Inc., its affiliates, directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the Services, even if we have been advised of the possibility of such damages.
This includes, but is not limited to, any damages resulting from:
Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to us during the six (6) month period prior to any cause of action arising, or one hundred Canadian dollars (CAD $100.00), whichever is greater.
You agree to defend, indemnify, and hold harmless Plansimpl Inc. and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:
These Terms and your use of the Services are 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 its conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, will be determined by final and binding arbitration administered by a single arbitrator in Toronto, Ontario, under the *Arbitration Act, 1991* (Ontario).
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the new Terms on our website and updating the "Last Updated" date. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.
These Terms and our Privacy Policy constitute the entire agreement between you and Plansimpl Inc. regarding the Services and supersede all prior agreements.
If any provision of these Terms is held to be invalid or unenforceable, that provision will be struck and the remaining provisions will be enforced to the fullest extent under law.
If you have any questions about these Terms, please contact us at support@plansimpl.ca.