1. Introduction
Trust Relay Services (“Trust Relay,” “we,” or “us”) is an estate-continuity platform. It helps you record where your important accounts, policies, and assets are held, add beneficiaries and trusted contacts, and leave instructions for your loved ones.
These Terms of Service (“Terms”) are the agreement between you and Trust Relay. By creating an account or using the service, you agree to these Terms. If you do not agree, please don’t use the service.
These Terms exist to make our relationship clear: what the service does, what it does not do, what you’re responsible for, and what we’re responsible for.
2. Eligibility
To use Trust Relay, you must:
- Be at least 18 years old
- Provide accurate information about yourself, your accounts, and the people you list
- Maintain current contact information so we can reach you for annual check-ins
- Have the authority to provide the information you enter (for example, your own account details, not someone else’s)
3. Service description
Trust Relay lets you store and organize information about where your accounts and policies are held, and what you’d like to communicate to specific people after a verified event. We then attempt to preserve and relay that information when the time comes, according to your instructions and our verification process.
The service is informational and organizational. Specifically:
- Trust Relay does not guarantee any specific outcome, financial or otherwise.
- Trust Relay does not transfer assets. We don’t move money, change account ownership, or interact with any of your financial institutions.
- Trust Relay does not execute legal documents. We don’t draft, sign, file, or record wills, trusts, or any other instrument.
- Trust Relay cannot guarantee that the people you’ve listed will receive any assets, funds, or property. Those outcomes are determined by your underlying legal documents, the institutions involved, and applicable law.
5. Account information & sensitive data
Trust Relay lets you optionally store account identifiers, account numbers, policy numbers, or similar reference information so that beneficiaries and loved ones can locate your accounts after a verified event.
Providing account numbers is entirely optional. You can choose to:
- Store a full account or policy number
- Store only the last few digits
- Store only an institution name and a nickname you recognize
Trust Relay is designed to help your family identify accounts — not to access them.
What you should never store with Trust Relay
You should never store any of the following in Trust Relay:
- Passwords
- Usernames used for authentication
- PINs
- Security question answers
- One-time passcodes
- Multi-factor authentication codes
- Recovery codes or seed phrases
- Any other credentials that could be used to directly access an account
Trust Relay is not a password manager, credential vault, or account-access service. Any reference numbers you do choose to store with us are intended only to help beneficiaries identify and locate accounts — not to log in to them.
6. User responsibilities
You are responsible for:
- Keeping the information you enter accurate and up to date
- Updating beneficiary contact details when they change
- Updating your trusted-contact information when it changes
- Reviewing your information periodically — we’ll prompt you, but the records are yours
- Maintaining access to your Trust Relay account (your email, your password)
- Responding to annual check-ins and account verification requests when we send them
If your contact information changes or you become unreachable, our verification process may begin sooner than you expect. Keeping your details current is the single most important thing you can do to make sure the service works the way you intended.
7. Verification & notifications
Before any notification is released to a beneficiary, we attempt to reasonably verify that the triggering event has occurred. This may include any combination of the following:
- The status of your annual information review (did you respond, and when)
- Confirmation by your designated trusted contacts
- Direct outreach attempts to you through every channel you’ve provided
- Review of publicly available records where they exist
- Supporting documentation provided by trusted contacts or family
- Manual review by a person on our team before any notification is sent
Trust Relay retains discretion to delay, suspend, or decline to send notifications if verification is incomplete or if circumstances warrant additional review. Our verification methods may evolve over time as we learn more about what works. We’ll always err strongly toward not contacting anyone unless the picture is unambiguous.
Notifications are performed on a best-effort basis. Trust Relay is not a guarantor of delivery.
8. No guarantee of delivery
We do our best to reach the people you’ve listed, but we can’t promise it. For example:
- Email addresses change.
- Phone numbers change.
- Beneficiaries may not see or respond to messages.
- Third-party services we rely on (email delivery, SMS providers) may have outages or failures.
- Technical or operational issues may delay or prevent delivery.
Trust Relay cannot guarantee that any specific message will be delivered, opened, or acted upon. We strongly recommend that you also communicate the existence of your Trust Relay account directly to a trusted contact or family member.
9. Privacy & data security
Our handling of your information is described in detail in the Privacy Policy, which is incorporated into these Terms by reference.
We use reasonable administrative, technical, and organizational safeguards to protect your information, including encryption in transit and at rest, access controls, and restricted administrative access. We work to follow industry-standard protections.
However, no internet-connected system can be guaranteed completely secure. By using Trust Relay, you acknowledge the inherent risks of online services and agree that we cannot warrant absolute security of your information.
10. Subscription & billing
Trust Relay is offered on a subscription basis. The Trust Relay membership is billed monthly or annually at the rate shown on our pricing page. The membership keeps your records ready, performs periodic liveness check-ins, and, after human review, delivers your guidance to the recipients you have chosen.
The following are optional one-time purchases and are not recurring charges:
- Family Guidance ($59.99, one-time): a specialist helps you set up your records and, when the time comes, guides your beneficiaries through the release process step by step.
Monthly plans are billed each month and annual plans once per year. Cancel anytime; the unused portion of an annual term is governed by our refund policy below.
Subscriptions renew automatically at the end of each billing period unless you cancel before renewal. You can cancel at any time from your account settings or by contacting us.
30-day money-back guarantee. If you’re not satisfied with the service for any reason, contact us within 30 days of your initial purchase for a full refund — no questions asked. Your data is permanently deleted upon refund.
We may change our pricing over time. If we change the price of an existing subscription, we’ll give you reasonable notice before the change takes effect, and you may cancel before the new price applies.
11. Account suspension or termination
We may suspend or terminate your account if we reasonably believe you have:
- Engaged in fraud or attempted fraud
- Abused the service or other users
- Engaged in illegal activity through the service
- Misrepresented your identity or the information you entered
- Violated these Terms in a material way
- Caused or contributed to security concerns that put others at risk
Where appropriate and legally permitted, we’ll attempt to notify you before suspending or terminating your account.
You may close your account at any time. When you do, we will delete your information within a reasonable period, subject to our retention obligations under applicable law.
12. Limitation of liability
Trust Relay is an organizational and communication tool. It is not a legal service, a financial service, or an insurance product, and it should not be treated as a substitute for any of those things.
To the fullest extent permitted by applicable law, Trust Relay is not responsible for:
- Legal outcomes related to your estate, will, trust, or beneficiary designations
- Probate outcomes or disputes
- Inheritance disputes between family members or named beneficiaries
- Locating, identifying, or recovering assets that you did not record with us
- Failures or outages caused by third-party providers (email services, SMS providers, hosting infrastructure, payment processors, and similar)
- Indirect, incidental, consequential, special, or punitive damages
Where the law permits a cap on direct damages, our total liability to you under these Terms will not exceed the greater of the amount you paid us in the twelve months before the claim arose, or one hundred U.S. dollars.
Nothing in these Terms excludes any liability that cannot be excluded under applicable law.
13. Changes to the service
We may update Trust Relay over time. That includes:
- Adding new features
- Modifying existing features
- Removing features that aren’t serving users well
- Updating pricing (with notice, as described in Section 10)
- Improving our verification and notification processes
Where a change materially affects your use of the service, we’ll provide reasonable notice through the platform or by email.
14. Changes to these terms
We may update these Terms from time to time. When we do, we’ll revise the “Last updated” date at the top of this page. Material changes will be announced through the service or by email where appropriate.
Your continued use of Trust Relay after a change takes effect means you accept the revised Terms. If you don’t accept them, please stop using the service and contact us to close your account.
15. Contact
Questions about these Terms or anything related to your account?
support@trustrelayservices.com
For legal notices and process service:
Trust Relay Services
[Mailing address — to be updated]
Attn: Legal