TERMS AND CONDITIONS — VERSION 2 (CLOUD / ZERO-KNOWLEDGE EDITION) The Family Financial Legacy Organizer Legacy Wealth Partners, LLC
Last Updated: September 2026 Terms Version: 2.0
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE PURCHASING OR USING THE FAMILY FINANCIAL LEGACY ORGANIZER. BY COMPLETING A PURCHASE, CREATING AN ACCOUNT, OR ACCESSING THE PRODUCT — INCLUDING ACCESS BY MEANS OF A RECOVERY CODE — YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.
SECTION 4 (ZERO-KNOWLEDGE ENCRYPTION AND NO RECOVERY) CONTAINS TERMS THAT MATERIALLY AFFECT YOUR RIGHTS. IN PARTICULAR: IF YOU LOSE BOTH YOUR PASSWORD AND YOUR RECOVERY CODE, THE INFORMATION IN YOUR ORGANIZER CANNOT BE RECOVERED BY YOU, BY THE COMPANY, OR BY ANYONE ELSE.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Client," or "you") and Legacy Wealth Partners, LLC, a California limited liability company ("Company," "we," "us," or "our"), governing your purchase and use of The Family Financial Legacy Organizer (the "Product").
By purchasing, creating an account for, accessing, or using the Product, you acknowledge that you have read, understood, and agree to be bound by these Terms. Your acceptance is recorded electronically at account setup, together with the version of these Terms accepted and the date and time of acceptance. If you do not agree to these Terms, do not purchase or use the Product.
Any person who accesses an organizer using a Recovery Code, a Family Access Card, or a password shared by the account holder ("Authorized Family User") is likewise bound by these Terms.
The Family Financial Legacy Organizer is a private, encrypted digital organizational tool designed to help individuals and families compile and organize personal financial, legal, and estate-related information for the benefit of their survivors and loved ones.
The Product is delivered as a personal online account. Following payment, the Company sends a one-time setup link to the email address provided at purchase. The User then chooses a password and receives a Recovery Code, presented on a printable Family Access Card. The User may access their organizer from any supported device by signing in.
The Product is an organizational tool. It is not a will, trust, power of attorney, healthcare directive, beneficiary designation, or any other legal instrument, and completing the Product does not create, amend, or revoke any such instrument. The Product is intended for personal, non-commercial use only.
a) The Family Financial Legacy Organizer is an organizational tool only. It is not legal advice, financial advice, tax advice, insurance advice, estate planning advice, or any other form of professional advice.
b) The Company is not a law firm, accounting firm, financial planning firm, investment adviser, broker-dealer, insurance agency, or any other licensed professional services provider. Nothing contained in the Product, in any email from the Company, or on the Company's website (family-flo.com) constitutes or should be construed as legal, financial, tax, or professional advice of any kind.
c) The Trust Qualifier section included in the Product is provided for general informational and organizational purposes only. It does not constitute legal advice, does not create an attorney-client relationship, and does not recommend any particular attorney, firm, or legal product. Users should consult with a licensed estate planning attorney in their jurisdiction for guidance specific to their situation.
d) Users are strongly encouraged to consult with qualified licensed professionals — including but not limited to estate planning attorneys, certified public accountants, and licensed financial advisors — before making any legal, financial, or estate planning decisions.
e) INDEPENDENCE FROM OTHER BUSINESSES. The Product is offered solely by Legacy Wealth Partners, LLC. It is not offered by, through, or on behalf of, and is not endorsed, reviewed, or approved by any other business. Your purchase of the Product does not establish any customer, client, or advisory relationship with any other company, and no such company has any responsibility for the Product or for information you store in it.
a) HOW THE PRODUCT PROTECTS YOUR INFORMATION. Information you enter into the organizer ("Organizer Content") is encrypted on your own device before it is transmitted to or stored by the Company. The encryption keys are derived from your password and your Recovery Code on your device and are never transmitted to the Company. The Company stores only the encrypted form of your Organizer Content, which the Company cannot decrypt, read, search, or reproduce.
b) THE COMPANY CANNOT ACCESS YOUR ORGANIZER CONTENT. Because of the design described above, the Company — including its members, managers, employees, contractors, and service providers — has no ability to view, retrieve, reset, restore, or recover your Organizer Content. This is true even in response to your own request, a request from a family member, an executor, an attorney, a court order, or a subpoena; in each case the Company can produce only the encrypted data and the account metadata described in Section 5.
c) YOUR PASSWORD AND RECOVERY CODE ARE THE ONLY KEYS. Your organizer can be opened only with (i) your password, or (ii) your Recovery Code. You are solely responsible for remembering your password and for printing, storing, and safeguarding your Recovery Code and Family Access Card. The Company does not store your password or your Recovery Code in any recoverable form.
d) NO RECOVERY. IF YOU LOSE BOTH YOUR PASSWORD AND YOUR RECOVERY CODE, YOUR ORGANIZER CONTENT IS PERMANENTLY INACCESSIBLE. THE COMPANY CANNOT RECOVER IT UNDER ANY CIRCUMSTANCES AND HAS NO OBLIGATION TO ATTEMPT TO DO SO. In that event, the only available remedy is to reset your sign-in credentials and begin a new, empty organizer. You expressly acknowledge and accept this risk as an inherent and intended feature of the Product.
e) SEPARATE ACKNOWLEDGMENT. At account setup you will be asked to separately acknowledge the No Recovery provision in Section 4(d). Your acknowledgment is recorded with your acceptance of these Terms.
f) RE-ISSUED RECOVERY CODES. You may generate a new Recovery Code from within the Product. Doing so immediately and permanently invalidates the prior Recovery Code and any Family Access Card bearing it. You are responsible for replacing any previously distributed card.
g) SHARED ACCESS IS YOUR DECISION. Anyone who possesses your password or your Recovery Code can open your organizer. The Company cannot verify the identity, authority, or intentions of any person presenting valid credentials, and has no ability to distinguish you from another person using your credentials. By giving your credentials or your Family Access Card to any person, you authorize that person's access. The Company is not responsible for access, use, disclosure, alteration, or deletion of Organizer Content by any person using valid credentials, whether or not that person was authorized by you.
h) SURVIVOR AND ESTATE ACCESS. The Family Access Card is provided so that a person you choose — a spouse, adult child, executor, or trustee — can open your organizer when you cannot. The Company has no role in determining who is entitled to your Organizer Content after your death or incapacity, does not adjudicate disputes among family members, heirs, executors, or beneficiaries, and is not a fiduciary, custodian, escrow agent, or digital-asset custodian for you or your estate. If you wish to control who may access your organizer after your death, do so by controlling who receives your Family Access Card and by addressing the matter in your estate planning documents with the assistance of an attorney.
i) YOUR DEVICES AND YOUR PRINTED COPIES. Organizer Content is decrypted only on the device you use to sign in. You are responsible for the security of that device, of any browser or account on it, of any printed or exported copy of your organizer, and of any place you store your Family Access Card. The Company recommends that you keep a current printed copy of your organizer with your important papers as a further safeguard against loss.
j) NO GUARANTEE OF SECURITY. While the Company uses industry-standard encryption and reasonable safeguards, no method of electronic transmission or storage is completely secure. The Company does not guarantee that the Product or its service providers will be free from unauthorized access, and shall not be liable for unauthorized access to encrypted data, except to the extent such liability cannot be excluded under applicable law. If the Company becomes aware of a security incident affecting your account, it will notify you as required by applicable law.
k) BACKUPS AND AVAILABILITY. The Company's service providers maintain backups of the encrypted database on a commercially reasonable schedule. Backups contain only encrypted Organizer Content and are subject to the same No Recovery limitation. The Company does not guarantee uninterrupted availability of the Product and is not liable for temporary unavailability.
This section applies to residents of California and is provided in compliance with the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act of 2020 (CPRA), collectively referred to herein as "California Privacy Law."
a) INFORMATION WE COLLECT
The Company collects limited personal information solely for the purpose of processing your purchase, delivering the Product, and operating your account. The categories of personal information we collect are:
i. Identifiers — your name and email address, provided at purchase through our payment processor (Stripe) and used as your account identifier.
ii. Commercial Information — records of your purchase transaction, including the product purchased, amount, date, and payment confirmation.
iii. Account Activity — the date your account was created, the date you accepted these Terms and the version accepted, the dates and times you signed in and last saved, and the number and size of saves. This information does not reveal any Organizer Content.
iv. Internet or Network Activity — limited technical data (such as IP address and browser type) collected by our hosting, database, and email service providers in the ordinary course of providing their services.
v. Encrypted Organizer Content — the encrypted form of the information you enter into the organizer. The Company stores this data but cannot decrypt or read it. It is listed here for completeness and transparency.
The Company does NOT have access to, and cannot produce, any personal financial information, legal information, passwords, account numbers, Social Security numbers, health information, or other sensitive personal information that you enter into the organizer itself. Such information exists in readable form only on your own device while you are signed in.
b) HOW WE USE YOUR INFORMATION
i. To process your purchase and deliver your setup link;
ii. To operate your account, including sign-in, password changes, and Recovery Code verification (by comparison to a one-way hash — the Company never receives the code itself);
iii. To send transactional emails related to your purchase, account setup, reminders to complete setup, and security notices;
iv. To respond to customer service inquiries submitted to info@family-flo.com;
v. To detect and prevent abuse of the Product, including repeated failed Recovery Code attempts;
vi. To comply with applicable legal obligations.
The Company does not sell, rent, share, or disclose your personal information to third parties for commercial purposes, and does not use it for advertising.
c) SERVICE PROVIDERS
The Company shares limited personal information with the following categories of service providers solely for the purposes described above:
i. Stripe, Inc. — payment processing (stripe.com/privacy).
ii. Supabase, Inc. — hosting of the account database, authentication service, and encrypted storage.
iii. Netlify, Inc. — hosting of the Product application.
iv. Resend, Inc. — delivery of transactional email sent from info@family-flo.com.
v. Google LLC — the Company's email inbox (Google Workspace).
vi. During the transition from the prior version of the Product only: Zapier, Inc. (automation) and Squarespace, Inc. (hosting of prior client delivery pages).
Each service provider is contractually obligated to use your information only as directed by the Company and in accordance with its own privacy policy and applicable law. No service provider has the ability to decrypt your Organizer Content.
d) YOUR CALIFORNIA PRIVACY RIGHTS
i. RIGHT TO KNOW — You may request that the Company disclose the personal information it has collected about you, the sources, the purposes, and the categories of third parties with whom it has been shared. Note that the Company can disclose only the categories listed in Section 5(a); it cannot disclose the contents of your organizer because it cannot read them.
ii. RIGHT TO DELETE — You may delete your account and all associated data, including your encrypted Organizer Content, at any time from within the Product ("Delete my account"). You may also request deletion by email; see Section 5(e). Deletion is permanent.
iii. RIGHT TO CORRECT — You may correct your Organizer Content yourself at any time from within the Product. You may request correction of account information (such as your email address) by email.
iv. RIGHT TO OPT-OUT OF SALE OR SHARING — The Company does not sell or share your personal information for cross-context behavioral advertising. No opt-out request is needed.
v. RIGHT TO LIMIT USE OF SENSITIVE PERSONAL INFORMATION — The Company does not use or disclose sensitive personal information beyond what is necessary to provide the Product, and cannot access sensitive personal information stored in your organizer.
vi. RIGHT TO NON-DISCRIMINATION — The Company will not discriminate against you for exercising any of your California privacy rights.
e) HOW TO EXERCISE YOUR CALIFORNIA PRIVACY RIGHTS
Email: info@family-flo.com — Subject line: "California Privacy Rights Request." We will respond to verified requests within forty-five (45) days as required by California Privacy Law, extendable once by forty-five (45) days with notice. To verify your identity, we may ask you to confirm the email address associated with your account and to respond from that address. Because the Company cannot access your Organizer Content, requests for the contents of an organizer cannot be fulfilled; see Section 4(b).
f) AUTHORIZED AGENTS — You may designate an authorized agent to submit a request on your behalf. The agent must provide written proof of authorization, and we may verify your identity directly.
g) DATA RETENTION — Account information and encrypted Organizer Content are retained until you delete your account, or until the account has been inactive for a period the Company will state in its published retention schedule (not less than seven (7) years from last sign-in), after which the Company may delete it upon notice to the account email address. Purchase records are retained for seven (7) years for tax and accounting purposes.
h) DO NOT TRACK — The Company's website and Product do not currently respond to "Do Not Track" signals. Our limited data collection practices are described above.
i) SHINE THE LIGHT — The Company does not disclose personal information to third parties for their direct marketing purposes.
j) MINORS — The Product is not directed at or intended for use by individuals under the age of 18, and you represent that you are at least 18 years old. If you believe a minor has provided personal information to the Company, contact info@family-flo.com and we will promptly delete it.
a) PRICING: The purchase price for The Family Financial Legacy Organizer is $149.00 (USD), a one-time fee with no recurring charges, subscriptions, or renewal fees. The Company may change the price for future purchasers at any time.
b) PAYMENT: Payment is processed through Stripe, a third-party payment processor. The Company does not receive or store credit card or payment information. Users are subject to Stripe's terms of service and privacy policy.
c) DELIVERY: Following successful payment, the Company will automatically send a one-time setup link to the email address you provided at purchase, typically within minutes. Setup links expire after a stated period; an expired link can be replaced by requesting a new one from the sign-in page. Delivery depends on the accuracy of the email address you provide and on your email provider; the Company is not responsible for setup links that are not received because of an incorrect address, spam filtering, or provider error, but will reissue a link on request to the purchase email address.
d) ONE ACCOUNT PER PURCHASE: Each purchase entitles one household to one account. A spouse or partner may share that account at the account holder's discretion.
e) ACCURATE INFORMATION: Users are responsible for providing accurate contact and payment information at the time of purchase.
a) Due to the digital nature of the Product and the immediate, automatic delivery of account access upon purchase, all sales are generally final and non-refundable.
b) At the Company's sole discretion, a refund may be considered if requested within seven (7) days of purchase and the User has not completed account setup.
c) Refund requests should be submitted to info@family-flo.com with the subject line "Refund Request" and include the User's full name, the email address used at purchase, and the reason for the request.
d) Loss of access to Organizer Content resulting from a lost password and Recovery Code is not grounds for a refund.
a) The Family Financial Legacy Organizer, including its design, content, structure, section organization, prompts, graphics, logos, software, and all associated materials, is the exclusive property of Legacy Wealth Partners, LLC and is protected by applicable copyright, trademark, and intellectual property laws.
b) Users are granted a limited, non-exclusive, non-transferable, revocable, personal license to use the Product solely for their own personal family organizational purposes.
c) Users may not reproduce, distribute, modify, create derivative works of, publicly display, republish, sell, sublicense, or commercially exploit any portion of the Product, other than printing or exporting their own Organizer Content for personal and family use, without the prior written consent of the Company.
d) Your Organizer Content belongs to you. The Company claims no ownership of, and — because it cannot read it — no license to, your Organizer Content.
Users agree not to:
a) Use the Product for any unlawful purpose or in violation of any applicable laws or regulations;
b) Sell, transfer, or sublicense their account or access to the Product to any third party, other than sharing within their household or with an Authorized Family User as contemplated by Section 4;
c) Attempt to reverse engineer, decompile, copy, or otherwise derive the source code, structure, or content of the Product for the purpose of creating a competing product;
d) Use the Product to store or transmit any malicious code or harmful content;
e) Attempt to gain unauthorized access to any account other than their own, or to any portion of the Product or its related systems, including by guessing or brute-forcing passwords or Recovery Codes;
f) Use the Product in any manner that could damage, disable, overburden, or impair the Company's systems or those of its service providers;
g) Use a Recovery Code or Family Access Card they are not authorized by the account holder to use.
THE PRODUCT IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. THE COMPANY DOES NOT WARRANT THAT THE PRODUCT WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ORGANIZER CONTENT WILL NOT BE LOST. THE COMPANY MAKES NO WARRANTY REGARDING THE COMPLETENESS, ACCURACY, OR SUITABILITY OF THE PRODUCT FOR ANY PARTICULAR PURPOSE, OR THAT THE ORGANIZER'S SECTIONS ADDRESS EVERY MATTER RELEVANT TO YOUR ESTATE. YOU ARE SOLELY RESPONSIBLE FOR THE ACCURACY AND COMPLETENESS OF THE INFORMATION YOU ENTER.
a) TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LEGACY WEALTH PARTNERS, LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AFFILIATES, SERVICE PROVIDERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA OR ORGANIZER CONTENT, INABILITY TO ACCESS ORGANIZER CONTENT, LOSS OF GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PRODUCT, ANY LOST PASSWORD OR RECOVERY CODE, ANY ACCESS TO YOUR ORGANIZER BY A PERSON USING VALID CREDENTIALS, OR ANY DECISION MADE BY YOU OR ANY OTHER PERSON IN RELIANCE ON INFORMATION STORED IN OR OMITTED FROM THE ORGANIZER.
b) IN NO EVENT SHALL THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PRODUCT EXCEED THE AMOUNT PAID BY YOU FOR THE PRODUCT.
c) THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS THE COMPANY'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
You agree to indemnify, defend, and hold harmless Legacy Wealth Partners, LLC and its members, managers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Product; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any information you enter into or omit from the Product; or (e) any dispute between you (or your estate, heirs, or beneficiaries) and any person to whom you gave, or who otherwise obtained, your password, Recovery Code, or Family Access Card.
The Product may reference third-party services, platforms, or tools (such as Google Drive, Dropbox, 1Password, or others) for document storage or password management. The Company does not endorse, warrant, or assume any responsibility for any third-party service. Your use of third-party services is subject to their respective terms of service and privacy policies.
a) PRODUCT UPDATES. The Company may modify or update the Product at any time, including by adding, changing, or removing sections. Updates are designed to preserve existing Organizer Content, but the Company recommends keeping a current printed or exported copy.
b) CHANGES TO TERMS. The Company may modify these Terms at any time. Updated Terms will be posted at family-flo.com and within the Product, with the version and effective date noted. For material changes, the Company will notify you by email to the account address and may require re-acceptance at your next sign-in. Your continued use of the Product after the effective date constitutes acceptance.
c) DISCONTINUATION. If the Company decides to discontinue the Product, it will give not less than ninety (90) days' notice by email to the account address, during which you may sign in, print, and export your Organizer Content. After that period the Company may permanently delete all account data. Because the Company cannot read your Organizer Content, it cannot export it on your behalf.
d) TERMINATION FOR CAUSE. The Company may suspend or terminate an account that it reasonably believes is being used in violation of Section 9, with notice to the account address and an opportunity to export Organizer Content where practicable.
e) YOUR RIGHT TO DELETE. You may delete your account and all associated data at any time from within the Product. Deletion is immediate and permanent.
a) These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
b) Any dispute, claim, or controversy arising out of or relating to these Terms or the Product shall first be submitted to non-binding mediation in San Luis Obispo County, California. If mediation is unsuccessful, disputes shall be resolved by binding arbitration in San Luis Obispo County, California, in accordance with the rules of the American Arbitration Association.
c) Notwithstanding the foregoing, either Party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm, and either Party may bring an individual claim in small claims court.
d) You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by the Company in writing.
You consent to receive these Terms, notices, and other communications from the Company electronically, and you agree that your electronic acceptance of these Terms (by checking the acceptance boxes at account setup) has the same legal effect as a handwritten signature. You may request a paper copy of these Terms by emailing info@family-flo.com.
These Terms constitute the entire agreement between you and Legacy Wealth Partners, LLC regarding the Product and supersede all prior and contemporaneous agreements, representations, and understandings between you and the Company.
Legacy Wealth Partners, LLC The Family Financial Legacy Organizer Email: info@family-flo.com Website: family-flo.com San Luis Obispo, California