Paratum Life — Terms of Service

Last updated: August 5, 2026 · Effective: [DATE — set when published after counsel review]

DRAFT — NOT YET REVIEWED BY COUNSEL. This document was prepared as a starting point and is not legal advice. Have a licensed attorney review it before you publish it or accept paying customers. Items in [BRACKETS] must be completed.

1. Agreement to these Terms

These Terms of Service ("Terms") are a binding agreement between you and Paratum Life, LLC, a Texas limited liability company [ATTORNEY: verify entity formation, type, and good standing] ("Paratum Life," "we," "us"), governing your use of the Paratum Life application, website, and related services (the "Service").

By creating an account, redeeming an invitation, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. You may not use the Service if you are barred from doing so under applicable law.

3. What Paratum Life is — and what it is not

Paratum Life helps individuals and families organize, store references to, and be reminded about personal, medical, financial, and household information, and share that information with people they choose.

Paratum Life is not:

• Not legal, medical, financial, tax, or estate-planning advice. The Service organizes information you provide. It does not advise you, and nothing in it — including the "Get Organized" guide, readiness scores, checklists, or export packs — constitutes professional advice or creates a professional relationship. Consult qualified professionals for wills, trusts, directives, medical decisions, and financial planning.
• Not an emergency service. Do not rely on the Service in a medical or other emergency. In an emergency, call your local emergency number (911 in the United States). Information in the Service may be incomplete, outdated, or unavailable.
• Not a medical device or clinical tool. Medication lists, schedules, and care notes are records you maintain for your own reference. They are not clinical decision support, and we do not verify their accuracy.
• Not a legal instrument or system of record. Storing a document, wish, or instruction in Paratum Life does not make it legally effective, does not execute or amend a will or trust, does not transfer assets, does not designate beneficiaries, and does not close or transfer accounts. Signed originals govern.
• Not a password manager or credential store. See Section 7.
• Not a substitute for keeping originals. See Section 11.

4. Your account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly at support@paratum.life if you suspect unauthorized access. You agree to provide accurate registration information and keep it current.

5. Vaults, roles, and sharing — your responsibility

The Service organizes data into vaults. A vault may contain households and records about individual people.

• The user who creates a vault is its owner and may transfer ownership to another member. Owners and administrators can invite others, assign roles, and grant access at the vault, household, or individual-person level.
• You control who sees what. When you invite someone to a vault or grant them access, you authorize them to view — and, at the "edit" level, to modify or delete — the information within that scope. Access may include sensitive medical, financial, and legal information.
• You are solely responsible for your sharing decisions, for distributing invitation codes securely, and for promptly removing access when someone should no longer have it. We are not responsible for what an authorized user does with information you have given them access to, including copying, exporting, printing, or further disclosing it.
• Exported packs, downloaded files, calendar files you download or subscribe to, and printed pages leave the Service and are outside its access controls. Once exported, that information is your responsibility.

6. Information about other people

This is important. Paratum Life is designed for recording information about family members and others in your care.

By entering information about another person, you represent and warrant that you have the legal right and authority to do so — as that person's agent, guardian, conservator, holder of a power of attorney, personal representative, or with their informed consent — and that your collection, storage, and sharing of that information through the Service complies with all applicable laws.

You are responsible for honoring any request from that person (or their authorized representative) to access, correct, or delete their information. You agree to indemnify us for claims arising from information you enter about another person without adequate authority or consent.

7. Prohibited content and conduct

Never store the following in Paratum Life: passwords, passphrases, PINs, one-time-passcode seeds, multi-factor backup codes, full payment card numbers, full bank account numbers, or complete government identification numbers (including Social Security numbers). The Service is built for references and locations — for example, "recovery email is X," "policy ending 4821," "original in the fire safe" — not for the secrets themselves.

You also agree not to:

• use the Service unlawfully, or to store content that is unlawful, infringing, or that you lack rights to;
• upload malware or attempt to breach, probe, or disrupt the Service or its infrastructure;
• access another user's account or data without authorization;
• resell, sublicense, or provide the Service as a service bureau to third parties without our written agreement;
• scrape, bulk-export, or reverse engineer the Service except as permitted by law;
• use the Service to make decisions requiring professional licensure on behalf of others without proper authority.

We may suspend or terminate accounts that violate this section.

8. Your content and our license to operate

You retain all ownership of the information, documents, and files you put into the Service ("Your Content").

You grant us a limited, worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and process Your Content solely to operate, secure, maintain, and support the Service for you and the people you have authorized. This license ends when Your Content is deleted, except for backup copies retained for a commercially reasonable period and content retained as required by law.

We do not sell Your Content, and we do not use it to train machine learning models.

9. Privacy and security

Our handling of personal information is described in our Privacy Policy.

We use commercially reasonable administrative and technical safeguards, including encryption of data in transit, access controls tied to the permission model described in Section 5, and hashed storage of account passwords. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security.

Uploaded document files are stored in private object storage and are served only by streaming them through the Service after your access to the specific document has been verified. They are not exposed at public links.

Health information. Paratum Life is a consumer product. Unless we have signed a Business Associate Agreement with you, we are not acting as a HIPAA business associate, and information you store is not protected health information subject to HIPAA in our hands. You are responsible for determining whether your own use of the Service is consistent with any legal obligations you have.

10. Availability, changes, and beta features

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue features at any time. Some features may be offered as previews or beta and may change or be withdrawn without notice.

11. You must keep your originals

The Service is a convenience, not a vault of record. You are responsible for retaining original signed documents, physical records, and independent copies of anything important. Do not rely on the Service as your only copy of any document or information. We are not liable for loss, corruption, or unavailability of Your Content.

12. Death or incapacity of an account holder

Paratum Life exists in large part to help families at exactly these moments, so please plan ahead:

• Plan while you can. Ensure at least one trusted person has appropriate access to your vault, or that your estate documents identify someone who should. Consider naming a vault owner or administrator who will outlive you.
• We cannot substitute for that planning. We are not obligated to grant any person access to another person's account or vault. Where we are able to act on a request from an executor, personal representative, guardian, or next of kin, we may require documentation satisfactory to us (such as letters testamentary, a court order, a death certificate, or a valid power of attorney) and will act consistent with applicable law. We may decline requests we cannot verify.
• Ownership transfer. An existing vault owner may transfer ownership at any time from within the Service. This is the fastest and most reliable path, and we encourage you to use it rather than relying on a post-death request to us.

13. Fees

The Service is presently provided free of charge. We may introduce fees in the future and will give you notice before charging you.

[WHEN BILLING LAUNCHES: replace the paragraph above with paid-plan terms — pricing, billing cycle, automatic renewal, taxes, refund policy, consequences of non-payment, and cancellation rights. Consult counsel on auto-renewal disclosure laws, which vary by state.]

14. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or if we discontinue the Service.

On termination, your right to use the Service ends. We will make Your Content available for export for a reasonable period where practicable, after which it may be deleted. Because vaults are shared, deleting your account does not necessarily delete a vault or records that other members retain rights to. Sections that by their nature should survive termination — including Sections 6, 7, 8, 11, 15, 16, 17, and 18 — survive.

15. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT INFORMATION IN IT IS ACCURATE, COMPLETE, OR CURRENT. Some jurisdictions do not allow certain disclaimers, so parts of this section may not apply to you.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR COSTS OF SUBSTITUTE SERVICES, ARISING FROM OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud, gross negligence, willful misconduct, or death or personal injury caused by negligence. Some jurisdictions do not allow these limits, so parts of this section may not apply to you.

17. Indemnification

You agree to indemnify, defend, and hold harmless Paratum Life and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from: your use of the Service; Your Content; your sharing and access decisions; your entry of information about another person without adequate authority or consent; or your violation of these Terms or applicable law.

18. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. [ATTORNEY TO CHOOSE: the exclusive venue for disputes will be the state and federal courts located in Fayette County, Texas, and both parties consent to that jurisdiction — OR — insert an arbitration clause with class-action waiver and opt-out mechanism. Arbitration clauses require careful drafting and specific consumer disclosures; do not adopt one without counsel.]

19. Changes to these Terms

We may update these Terms. If changes are material, we will provide reasonable notice — by posting in the Service, emailing you, or both — before they take effect. Continued use after the effective date means you accept the updated Terms. If you do not accept them, stop using the Service and delete your account.

20. General

These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service. If a provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates a partnership, agency, or employment relationship.

21. Contact

Paratum Life, LLC

5888 FM 154, Flatonia, TX 78941

support@paratum.life