Terms of Service

Effective: August 3, 2026 · Last updated: September 11, 2026

These Terms of Service (“Terms”) are an agreement between you and ScorpEase LLC (“Keystead,” “we,” “us”) governing your use of Keystead Vault (the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you don’t agree, don’t use the Service.

1. What Keystead Vault is

Keystead Vault is a tool for organizing and storing business-continuity records — business details, contacts, providers, documents, deadlines, and successor instructions — and for sharing them with people you choose. It helps you keep information; it is a record-keeping tool, nothing more.

Not a password manager. The Service is designed to hold pointers to where each login is kept — the platform, the username, and where the password lives — never the passwords themselves. Don’t store passwords, PINs, recovery codes, or other secrets in your vault; if you do, you do so at your own risk, and anyone you’ve given access to that vault can see them.

2. Eligibility and accounts

• You must be at least 18 and able to form a binding contract. The Service is offered in the United States only.
• You’re responsible for the accuracy of your account information and for all activity under your account.
• Keep your password confidential and your account secure. Two-factor authentication is available in Settings; if you enable it, keep your recovery codes somewhere safe. Notify us promptly at support@keysteadvault.com if you suspect unauthorized access.
• The live demo is a shared, read-only sample account. Don’t enter real information into it; nothing typed there is saved.

3. Subscriptions, billing, and refunds

• Keeping a vault you set up yourself live after the free build window requires a paid annual subscription. Current pricing is $100/year per business you own, capped at $300/year (1 business $100, 2 businesses $200, 3 or more $300), shown at checkout and billed by Stripe. Your personal-taxes vault is included with any business plan; if you set up only a personal-taxes vault, it is billed as one business ($100/year). Vaults that are shared with you or that you co-own are free, and the people you invite never pay.
• Free build window and what a subscription unlocks. You can build, fill, and preview a vault you set up free for 14 days from when you create it — no card required. If you haven’t subscribed by then, the vaults you own become read-only (you can still sign in and view them; editing vaults shared with you stays free). Exports (the PDF handoff document, CSV, an open-format backup of your vault data — uploaded documents are downloaded individually — and the printable Successor Handoff Card) and the live Successor View — both your own preview and what your named successor can open — are available only while you have a paid, active subscription (vaults shared with you or that you co-own can always be exported); until then your own preview shows sample data, and your successor sees a notice that the vault isn’t active yet — not your vault.
• Auto-renewal. Your subscription renews automatically each year unless you cancel before the renewal date. Each renewal is billed at the per-business rate you signed up at, multiplied by the number of businesses you own on the renewal date (still capped at $300) — so adding or removing a business changes your next renewal amount, not the current year’s. You authorize us (through Stripe) to charge your payment method for each renewal.
• Advance notice of charges. You can build and use your vault free for 14 days — no card — before you subscribe, and nothing is charged until you choose to subscribe. Your next renewal date and amount are always visible in your billing settings, and you can cancel anytime beforehand from there. [Restore “We email you before each annual renewal, so a charge is never a surprise” once the renewal-reminder email is built (invoice.upcoming) or Stripe’s upcoming-renewal emails are enabled — and keep the paywall and pricing fineprint in step.]
• No refunds. Because you can build and use your vault free for 14 days before you pay, subscription fees are non-refundable. Once a charge is made, we do not provide refunds, credits, or prorated amounts for partial periods, unused time, or unused features, except where required by law. Cancelling stops future renewals; your access continues until the end of the paid term.
• Cancellation. You can cancel anytime from your account’s billing settings (Settings → Manage Billing, which opens Stripe’s billing portal); access continues until the end of the paid term. When the paid term ends, your account is paused: you can sign in and restart your subscription at any time, but the vaults you own aren’t accessible in the app — and can’t be exported — until you do. We keep your data while your account is paused (the Privacy Policy describes how long inactive accounts are retained), so export anything you want to keep before your term ends.
• Failed payments. If a renewal charge fails, your access continues while the payment is past due and Stripe retries it. If it remains unpaid, your subscription ends and your account is paused as described under Cancellation, until you restart it.
• Price changes. We may change pricing for new subscriptions, with reasonable advance notice. A price increase does not apply to your active subscription — the rate you signed up at stays in place as long as you remain continuously subscribed. If you cancel and later resubscribe, the current rate applies.
• US-only billing. A US billing address and payment method are required; non-US payments may be declined or cancelled.

4. Your content

You retain all rights to the information and files you put into your vault (“Your Content”). You grant us a limited license to host, store, process, transmit, and display Your Content solely to operate and provide the Service to you (including creating backups, generating exports, sending reminders, and performing the redaction and AI-assisted extraction described in our Privacy Policy). We claim no ownership of Your Content and will not sell it or use it to train AI models.

You represent that you have the right to provide Your Content and to share it with the people you invite, and that doing so doesn’t violate anyone’s rights or the law.

5. Sharing and invited users

The Service lets you grant others access to a vault (for example an advisor, successor, co-owner, or firm). You are responsible for who you invite and what you share with them. People you invite must also comply with these Terms. Only invite people you trust, and remove access when it’s no longer needed. A few things to know about how access works:

• Editors can manage access. Anyone you make an editor (for example your CPA) can invite others, change their access level, remove them, and promote a successor to full access — not just you. Only you or a co-owner can add, change, or remove a co-owner. Only you can delete a vault, and ownership cannot be transferred — except that a vault an advisor set up on your behalf becomes yours when you claim it. Every access change is recorded in the vault’s activity log with who made it.
• Firm-wide access covers everyone who signs in with a confirmed email at the firm’s domain — including people who join the firm later — for as long as the grant is in place. Someone who leaves the firm but keeps a working mailbox at that domain keeps access until the firm removes the mailbox or you or an editor removes the grant.
• People you invite never pay for your vault, can see who else has access to it, and can remove their own access at any time (you’ll see that they did).

Successors

Naming a successor is the point of Keystead Vault, so it works differently from ordinary sharing. A successor is not given access to your vault. They get a separate, read-only “start here” view that we assemble on our server from the parts of your vault a successor would need — and nothing else.

• What a successor can see. Your business identifiers (EIN, entity type and tax classification, formation state, state entity ID, business address and phone); your successor instructions; the key contacts and service providers you chose to show them, including any ownership percentage and the notes you wrote on each; your insurance policies, including policy numbers, coverage amounts, premiums, renewal dates, beneficiaries and agent contacts; where your logins live (the platform, the username, which password manager or location holds each one, and any notes you left — never a password); your notes, in full; your recurring tasks and deadlines; your tax profile, estimated payments, sales-tax registrations (including the state tax ID), and tax-return history; your annual-report details; who else has full access to the vault, including a dated record of anyone who removed their own access; and, if you shared it, a summary of your personal-taxes vault.
• What a successor can never see. They cannot open or download any uploaded file — they see only file names, labels and any notes you wrote about the document, so they know it exists and can ask someone with full access for it. They cannot see the vault’s activity log, and they never see a contact or provider you chose to hide from them.
• You choose what appears. Hiding a contact or provider from your successor keeps it out of this view entirely; that choice is enforced on our server, not just in your browser.
• When it is available. The live successor view requires a paid, active subscription on the vault. If a subscription lapses, the successor view keeps working for 12 months after the paid term ends, so a successor is not shut out while an estate is being settled. If a vault has never been subscribed, a successor sees only a notice that it is not active.
• Getting the rest is a deliberate act. Full access is never automatic — it is not triggered by time, by inactivity, or by a report of death. Only you, or someone you have made an editor (typically your accountant), can promote a successor to full access. There is no “dead man’s switch.”
• We do not verify anything. We do not verify death, incapacity, identity, or legal authority, and we do not decide who is entitled to your business records. Naming a successor is your instruction to us about who may see the start-here view. It is not a determination that the person is your executor, agent, heir, or fiduciary, it does not transfer ownership of the vault or of anything in it, and it is not a will, trust, or power of attorney (see section 1).

Your direction under Pennsylvania’s digital-assets law. When you name a successor in Keystead Vault, you are using an online tool within the meaning of Pennsylvania’s Revised Uniform Fiduciary Access to Digital Assets Act (20 Pa.C.S. § 3904), and you are directing us to disclose to that person, after your death, the start-here view described above — and only that view. You give this direction inside the Service, separately from your agreement to these Terms, and you can change or revoke it at any time by changing or removing your named successor. Under that Act, a direction given through an online tool takes priority over a contrary instruction in a will, trust, power of attorney, or similar record — so if your estate documents name someone different for these records, change your successor here too. This direction covers only our disclosure of the start-here view. It does not grant full access to the vault, does not transfer ownership of the vault or anything in it, and does not make that person your executor, agent, heir, or fiduciary.

[COUNSEL — the paragraph immediately above is our draft of the RUFADAA online-tool designation, not settled language; please confirm or rewrite it. Specifically: (a) is the designation effective when the act of naming a successor happens in-app but the designation language lives here in the Terms — does 20 Pa.C.S. Ch. 39 require the direction to be captured separately from the terms of service, and if so does our in-app flow satisfy that? (b) is limiting the direction to the successor-view subset (rather than the whole vault) coherent under the statute? (c) should we also offer a way for an owner to prohibit disclosure, which the Act contemplates and we do not currently provide? (d) we sell nationwide, and an estate is administered where the decedent lived, not where we are — does our Pennsylvania choice-of-law clause actually reach this, and are there states (including any that never adopted the uniform act) whose version we should handle differently? Second, still open: fiduciary requests. We have no process today for an executor, administrator, trustee, or agent under a power of attorney who is not the named successor and who presents letters or a court order. What should we disclose, on what proof, on what timeline, and to whom? Also: whether this subsection should be promoted to its own numbered section.]

6. Acceptable use

You agree not to:

• use the Service for anything unlawful, or to store or share content you have no right to;
• attempt to access another user’s data, or probe, scan, or circumvent security or access controls (good-faith security research reported to security@keysteadvault.com is welcome);
• disrupt or overload the Service, or use it to send spam or malware;
• reverse engineer, resell, or misrepresent the Service; or
• upload others’ personal information without a lawful basis and appropriate authorization.

7. Availability and changes

We work to keep the Service available and reliable, but we don’t guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue features. If we plan to discontinue the Service entirely, we’ll give you reasonable notice and a way to export Your Content.

8. Termination

You may stop using the Service and delete your account at any time from Settings. We may suspend or terminate your access if you materially breach these Terms or use the Service in a way that risks harm to others or to the Service. On termination, your right to use the Service ends. Account deletion is immediate and cannot be undone: it permanently removes the vaults you own, including uploaded files — including any business you co-own with a partner and any client vault you set up for someone who has not yet claimed it — and removes you from vaults others shared with you. For the integrity of other people’s records, entries you made in the activity logs of vaults you don’t own are kept with your name and email removed, and Stripe keeps the billing records it is required to retain. Because exports require an active subscription, export anything you want to keep before cancelling or deleting. Details are in the Privacy Policy.

9. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY AI-ASSISTED EXTRACTION IS ACCURATE. YOU ARE RESPONSIBLE FOR VERIFYING YOUR INFORMATION.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, KEYSTEAD AND ITS OWNERS AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

11. Indemnification

You agree to indemnify and hold Keystead harmless from claims and expenses arising out of Your Content, your use of the Service, your sharing decisions, or your violation of these Terms or of any law or third-party right.

12. Governing law and disputes

These Terms are governed by the laws of the State of Pennsylvania, without regard to conflict-of-laws rules. [Choose and have counsel draft your dispute-resolution approach — e.g., venue/jurisdiction, or an arbitration + class-action-waiver clause. This section has significant legal consequences.]

13. Changes to these Terms

We may update these Terms as the Service evolves. We’ll update the date above and, for material changes, give reasonable notice. Continuing to use the Service after changes take effect means you accept the updated Terms.

14. Contact

ScorpEase LLC — Keystead Vault
support@keysteadvault.com