these terms of use contain MANDATORY BINDING arbitration, CLASS ACTION waiver, limitation of liability and indemnity provisions. please read carefully.

ETHOS TECHNOLOGIES INC.

Terms of Use

Using our site

Ethos Technologies Inc. and its subsidiaries and affiliates (collectively, “Ethos”) make life insurance simpler for people to buy online. These Terms of Use (the “Terms”), including the Terms of Service attached below as Annex A (which are incorporated herein by reference with the same force and effect as though fully set forth herein), outline the rules and expectations that protect both you and Ethos. Our goal is to keep them simple and easy to understand. If there’s something you’re not sure about, please reach out to us.

We use the term “Services” to refer to any of the products and services we sell online, any site information or Services provided on www.EthosLife.com or our affiliated sites (collectively, the “Site”), and the growing community of people who use our platform. We use the term your “Ethos Account” to mean where you can find data about your insurance policies, your contact information, and any additional data you choose to add such as videos, photos, and property listings. When we write “we”, “our”, “us”, or “Ethos”, we mean Ethos Technologies Inc. (dba in CA and NY as Ethos Life Insurance Services). And, any time we write “you” or “your”, we mean the person who is using our Services (and reading these Terms).

Remember: if you buy insurance using Ethos, there are important laws, rules, conditions, exceptions, and requirements that apply to you and your insurance carrier for your issued insurance policy. Your rights and responsibilities are explained in your insurance policy, which will be digitally provided to you after you sign and remit your first payment. It will also be available in your Ethos Account.

These Terms apply to you. You agree, as long as you continue to use our Services, to accept and follow these Terms, and to only use our Services as permitted. You understand that Ethos sells insurance and should only be used by those who can legally buy an insurance contract where they live. Our Services are not available to minors. By accessing or using the Services in any way, accepting these Terms by clicking on the “I Accept” or “Next” button, completing the application process, or browsing or downloading our mobile application, you represent that you have read, understand, and agree to be bound by these Terms. Further, by using or applying for Services, (i) you must be the person being insured on the policy; (ii) you must be the person that owns and pays for the policy; (iii) the primary purpose of the policy must be to protect your family; and at the time of submitting your application, (iv) you do not have any agreements in place to assign/sell the policy for which you are applying.

THE ARBITRATION AGREEMENT SECTION CONTAINS PROVISIONS THAT GOVERN HOW TO RESOLVE DISPUTES BETWEEN YOU AND ETHOS. AMONG OTHER THINGS, THE ARBITRATION AGREEMENT SECTION INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND ETHOS SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION. THE ARBITRATION AGREEMENT SECTION ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ THE ARBITRATION AGREEMENT SECTION CAREFULLY.

UNLESS YOU OPT OUT OF THE ARBITRATION AGREEMENT WITHIN THIRTY (30) DAYS IN ACCORDANCE WITH THE SECTION TITLED “30-DAY RIGHT TO OPT OUT”: (1) YOU WILL ONLY BE PERMITTED TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION; AND (2) YOU ARE WAIVING YOUR RIGHT TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL.

ANY DISPUTE, CLAIM OR REQUEST FOR RELIEF RELATING IN ANY WAY TO YOUR USE OF THE SERVICE WILL BE GOVERNED AND INTERPRETED BY AND UNDER THE LAWS OF THE STATE OF TEXAS, CONSISTENT WITH THE FEDERAL ARBITRATION ACT, WITHOUT GIVING EFFECT TO ANY PRINCIPLES THAT PROVIDE FOR THE APPLICATION OF THE LAW OF ANY OTHER JURISDICTION. THE UNITED NATIONS CONVENTION ON CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS IS EXPRESSLY EXCLUDED FROM THIS AGREEMENT.

Consent to Doing Business Electronically

By using our Services, you agree that all communications from us or our affiliates or other partners relating to products and Services, including insurance products, offered through the Site may be provided or made available to you electronically by e-mail, SMS, text message, calls to your phone number (if provided) or at the Site. You understand that (i) calls, texts and SMS messages may be auto-dialed and/or generated by an artificial or pre-recorded voice; (ii) you may opt out of these communications at any time by following the directions provided by Ethos; (iii) you are responsible for all the charges and fees associated with mobile messaging imposed by your wireless carrier and you acknowledge that your carrier may charge you or deduct usage credit from your account when you text us or we send messages to you ; (iv) your consent to these communications is not required as a condition of any purchase; and (v) such messages may be subject to the additional terms of our affiliates or other partners transmitting the messages. You further agree that we may accept an electronic signature from you, and that this electronic signature will have the same binding effect as a physical wet signature and will appear on all records related to the provision of any such products and services.

You agree that you have the ability to access, view, store, download, and print communications, documents, and hyperlinks we deliver or make available to you electronically through your computer or on your mobile device. You can find apps that support printing and saving electronic communications using your mobile device’s app store. If your mobile device does not have this functionality, you must access the Site through alternate means that provide you with the capability to print and save communications.

You may withdraw your consent to electronic communications and to use an electronic signature at any time. If you do withdraw your consent, from that time forward (1) you will be unable to apply for products or services, including insurance products, through the Site, and (2) we will be unable to continue processing any pending applications for products and services, including insurance products. To withdraw your consent of doing business electronically, please send us a written notice by email (legal@getethos.com) or U.S. Mail (1606 Headway Circle, #9013, Austin, TX 78754, Attn: Legal Department).

Leaving www.EthosLife.com

Sometimes we may link to other companies or services, like an article, reference, referral, social media content, promotion, website, application, or advertisements (collectively “Third-Party Services”). When you click on a link to a Third-Party Service, we may not warn you that you have left our Site and you become subject to the terms and conditions (including privacy policies) of another website or destination. Such Third-Party Services are not under the control of Ethos. We cannot guarantee these links as we don’t manage content which is not on our Site, and links can change after they’re posted. Ethos isn’t responsible for the practices of the sites or services to whom we link, including any of the content they show you. And, those sites are not acting or ruled by the Site policies of Ethos. Ethos provides these Third-Party Services only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Services, or any product or service provided in connection therewith. You use all links in Third-Party Services at your own risk. When you leave our Site, this Agreement and our policies no longer govern. You should review applicable terms and policies, including privacy and data gathering practices, of any Third-Party Services, and make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.

You agree that Ethos may share information you provide to the applicable Third-Party Service. Ethos is not responsible for any Third-Party Service’s use of your exported information. Further, the information you may share with any third parties, like the sites and services we may link to, are controlled by them and their site policies and terms. You understand and agree that we don’t have control of those sites and we are not responsible if you give any third-party access to your data. You own any risk yourself for sharing information or viewing content on other sites. You are solely responsible for your purchasing decisions and if you choose to visit any third party websites, you may be subject to additional or different terms and conditions and privacy policies.

This does not apply to sites we require you to visit in order to use our Services, such as third-party services for filing claims which may be hosted separately from our main domain. Also, if any of the Services provided to you contain an open-source license, there may be provisions in those licenses that expressly conflict with the Terms, in which case, the open source provisions will apply.

Ethos only sells insurance in states where we are licensed to sell.

Our Services are offered through our licensed insurance producer entity, Ethos Technologies Inc. (dba in CA and NY as Ethos Life Insurance Services). Ethos is not an insurance carrier. Instead we provide the products and services of our admitted insurance carrier partners licensed to sell insurance in your state. Not all products are available in all states. Ethos is paid commissions and may receive other performance-based compensation for its services. You can find a list of Ethos insurance licenses at this link.

The products we offer are only for people who live in the United States. We don’t and don’t intend to sell insurance products outside the United States, or anywhere Ethos isn’t licensed.

Our quote is not the final price

Ethos generates quotes for life insurance products. These prices change based on your answers to our questions and information collected during your application, your choices for different products, or due to changes of insurance pricing guides. For example, if you apply for life insurance just before your birthday, but don’t pay for it that day, it can cost more a few days later --- as it’s after your birthday and your price may go up as you get older. Whenever you leave your application before you pay, your price may change. Your price isn’t final and set until you sign your insurance contract with our insurance carrier and pay your initial premium.

Ethos protects its brand and assets

© 2024 Ethos Technologies Inc. All rights reserved. Ethos and all of our logos and designs are trademarks and/or service marks of Ethos Technologies Inc., a Delaware corporation. You may not use our images or logos without first getting the okay from us in writing.

Everyone who uses our Services and visits our Site should respect intellectual property laws and the rights of Ethos. If something does not look right on our Site or if you have any concerns, you may send us questions. We will work quickly to look into your question and will remove material from our Site if we determine third party copyrighted material is displayed without Ethos holding a license to do so. Your notice must follow the requirements of U.S. Copyright Act 17 U.S.C. 512(c)(3) and all regulations promulgated, each as amended (Notice Requirements), and/or the specific requirements of the Digital Millennium Copyright Act of 1998 (DMCA), whichever applies. If you inappropriately report a violation, infringement, or ownership of a copyright, you may be liable for damages (including reasonable costs and attorneys’ fees).

Ethos’ name, logos, designs, business processes, and everything else that’s part of our Services are protected by intellectual property rights including copyright, trademark, trade secret, and other laws of the United States. Our Terms don’t give you any license to use any of our intellectual property, other than as necessary to use our Services and to assist you in purchasing insurance products we make available to you.

You agree to honor Ethos’ ownership rights related to our Services and the rights of the other parties whose intellectual property is included in the Services. You will not misuse Services or any third party intellectual property used along with the Services. You may not copy or reproduce any of the Services in any form or by any means; you may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Services. You will not trespass, bypass, interfere with, disrupt any host or network systems, burden the network capacity, overload, flood, spam, mail-bomb, infect, or install or send a virus, spyware, or any other malware or Trojan horse of any kind, or in any other way disrupt the proper operation of the Services.

We are not granting you any right, title, license, or interest in the Services.

Any questions, comments, suggestions, testimonials, ideas, original or creative materials or other information you submit about our products, Site or Services (collectively, “Feedback”), is non-confidential and will become the sole property of Ethos. We will own exclusive rights, including, without limitation, all intellectual property rights, in and to Feedback and will be entitled to the unrestricted use and dissemination of Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

Your Ethos Account

Your Ethos Account keeps your relevant content and documents related to the Services, such as copies of your policy documents. We strive to keep your information safe. The most sensitive part of data security is your password. We need to be able to assume that anyone using your Ethos Account, by using your password and credentials, is you. We’ll never ask you to email us your password. Don’t share it with anyone. Always use a unique, hard-to-guess password. Quickly ask to reset your password if you ever suspect that your password and credentials are ever at risk.

Also, by creating your Ethos Account, you agree that the information you share is true and accurate, and that you will keep your information up-to-date, complete, and accurate. This is important for both managing your insurance products and offering you exceptional service. For example, if you move to a new place, your policy may have to be updated as each state has different rules for insurance products.

Disclaimer of Warranties

WE DO NOT PROVIDE ANY WARRANTIES WITH RESPECT TO THE USE OF THE SERVICES, INCLUDING ANY AND ALL SOFTWARE INCLUDED THEREIN, WHICH IS PROVIDED “AS-IS”. YOU USE OUR SERVICES WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND, AT YOUR OWN RISK. ETHOS DISCLAIMS ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. We do not take on or assume any responsibility for any harm, loss, or corruption to you, your computer, or your data (or any third party data or computer) from your use of our Services. Some states don’t allow for these limitations of liability. If you live in one of these states, then these warranties will be limited and the limitation on liability will be $100.00 in the aggregate for any and all claims.

ETHOS MAKES NO WARRANTY, REPRESENTATION OR CONDITION THAT: (1) THE SERVICES WILL MEET YOUR REQUIREMENTS (SUCH AS THE QUALITY, EFFECTIVENESS, REPUTATION AND OTHER CHARACTERISTICS OF SERVICE); (2) YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; OR (3) THE ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE.

ANY CONTENT DOWNLOADED FROM OR OTHERWISE ACCESSED THROUGH THE SERVICES IS ACCESSED AT YOUR OWN RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY, INCLUDING, BUT NOT LIMITED TO, YOUR COMPUTER SYSTEM AND/OR ANY DEVICE YOU USE TO ACCESS THE SERVICE, OR ANY OTHER LOSS THAT RESULTS FROM ACCESSING SUCH CONTENT.

The Services include information to help you think through what insurance is best for you. We aren’t a replacement for your lawyer, financial advisor, or tax planning specialist. We simply provide useful information to help you think through your insurance decisions. Ethos is not responsible for damages or losses that result from obtaining or inability to obtain any insurance policies, or reliance on or use of information or services provided on or through Ethos. You acknowledge and agree that Ethos does not endorse the contents of third parties' websites, or assume responsibility or liability for the accuracy of material contained therein, or any infringement of third party intellectual property rights arising therefrom, or any privacy practices of such entity, or any fraud or other crime facilitated thereby. Ethos is not responsible and assumes no liability for changes or discontinuance of services from third party providers.

You are responsible for choosing to engage a third party provider and making other financial decisions. The Services provide a venue where you may be provided information about certain third party providers and financial and risk management products. However, such information is provided for informational purposes only, and we urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. We do not validate or investigate the licensing, certification or other requirements and qualifications of third party providers. It is your responsibility to investigate third party providers. You acknowledge and agree that third party providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a third party provider’s products or services. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by third party providers.

We make no guarantees regarding any third party coverage. We cannot and do not make any promises or guarantees, whether concerning accuracy, appropriateness, sufficiency, or otherwise, regarding the quotes, fees, terms, rates, coverage or services offered or made available by third party providers, or otherwise displayed on the Services. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by third party providers are the best available.

No Liability for Conduct of Third Parties. YOU ARE SOLELY RESPONSIBLE FOR ALL OF YOUR COMMUNICATIONS AND INTERACTIONS WITH THIRD PARTIES, INCLUDING PARTNERS AND PROVIDERS, THROUGH THE SERVICES, AND INCLUDING ANY THIRD-PARTY SERVICES TO WHICH WE MAY PROVIDE LINKS. YOU ACKNOWLEDGE AND AGREE THAT ETHOS IS NOT LIABLE, AND YOU AGREE NOT TO SEEK TO HOLD ETHOS LIABLE, FOR THE CONDUCT OF SUCH THIRD PARTIES AND THAT THE RISK OF INJURY FROM SUCH THIRD PARTIES RESTS ENTIRELY WITH YOU. ETHOS MAKES NO WARRANTY THAT THE GOODS OR SERVICE PROVIDED BY SUCH THIRD PARTIES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS.

Indemnification

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS ETHOS, EACH OF OUR SUBSIDIARIES AND AFFILIATES, OUR LICENSORS, AND THIRD PARTY PROVIDERS AND PARTNERS, INCLUDING INSURANCE CARRIERS, UNDERWRITERS AND REINSURERS (COLLECTIVELY, “PARTNERS”), AND EACH OF OUR AND OUR PARTNERS’ RESPECTIVE OFFICERS, DIRECTORS, AGENTS, PARTNERS AND EMPLOYEES (INDIVIDUALLY AND COLLECTIVELY, THE “ETHOS PARTIES”) FROM AND AGAINST ANY LOSS, LIABILITY, CLAIM, DEMAND, CAUSE OF ACTION, SUIT, DAMAGES, FINES AND ANY RELATED EXPENSES OR COSTS (“CLAIMS”) ARISING OUT OF OR RELATED TO (A) YOUR ACCESS TO OR USE OF THIS SITE OR YOUR ETHOS ACCOUNT; (B) YOUR ACCESS TO OR USE OF OUR SERVICES; (C) YOUR VIOLATION OF THESE TERMS; (D) YOUR VIOLATION, MISAPPROPRIATION OR INFRINGEMENT OF ANY RIGHTS OF ANOTHER (INCLUDING INTELLECTUAL PROPERTY RIGHTS OR PRIVACY RIGHTS); (E) YOUR CONDUCT IN CONNECTION WITH OUR SERVICES; OR (F) ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS. YOU AGREE TO PROMPTLY NOTIFY THE ETHOS PARTIES OF ANY THIRD-PARTY CLAIMS, COOPERATE WITH THE ETHOS PARTIES IN DEFENDING SUCH CLAIMS AND PAY ALL FEES, COSTS AND EXPENSES ASSOCIATED WITH DEFENDING SUCH CLAIMS (INCLUDING, BUT NOT LIMITED TO, ATTORNEYS’ FEES, COSTS AND EXPENSES). YOU ALSO AGREE THAT THE ETHOS PARTIES RESERVE THE RIGHT TO ASSUME EXCLUSIVE CONTROL OF THE DEFENSE OR SETTLEMENT OF ANY THIRD PARTY CLAIMS. THIS INDEMNITY IS IN ADDITION TO, AND NOT IN LIEU OF, ANY OTHER INDEMNITIES SET FORTH IN A WRITTEN AGREEMENT BETWEEN YOU AND ETHOS OR THE OTHER ETHOS PARTIES.

Limitation of Liability

IN NO EVENT SHALL (I) ETHOS BE LIABLE TO YOU OR ANY THIRD PARTY FOR SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE, AND (II) OUR LIABILITY FOR DAMAGES TO YOU OR ANY THIRD PARTIES EXCEED, IN THE AGGREGATE, THE FEES PAID BY YOU TO US DURING THE LAST YEAR PRIOR TO THE DATE SUCH CAUSE OF ACTION ARISES.

YOU ACKNOWLEDGE THAT (I) THE LIMITATIONS ON LIABILITY IN THIS SECTION ARE REASONABLE AND THAT THE PROVISIONS OF THIS SECTION ALLOCATE THE RISKS UNDER THESE TERMS BETWEEN YOU AND US (AND OUR AFFILIATES), AND (II) WE AND YOU HAVE RELIED UPON THE LIMITATIONS SET FORTH HEREIN IN DETERMINING WHETHER TO AUTHORIZE YOU TO USE THE SERVICES. THE REMEDIES PROVIDED TO YOU IN THE TERMS ARE EXCLUSIVE. Some states do not allow for these limitations of liability. If you live in one of these states, these limits don’t apply to you, and the maximum liability for any of these violations will be $100.00 in the aggregate for any and all claims.

Governing Law

THE TERMS AND YOUR USE OF THE SERVICES WILL BE GOVERNED BY TEXAS LAW, CONSISTENT WITH THE FEDERAL ARBITRATION ACT, WITHOUT GIVING EFFECT TO ANY PRINCIPLES THAT PROVIDE FOR THE APPLICATION OF THE LAW OF ANOTHER JURISDICTION.

Arbitration Agreement

Arbitration Agreement. Please read this section (the “Arbitration Agreement”) carefully. It is part of your contract with Ethos and affects your rights. It contains procedures for MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

Applicability of Arbitration Agreement. Subject to the terms of this Arbitration Agreement, you and Ethos agree that any dispute, claim, disagreements arising out of or relating in any way to your access to or use of the Services, any communications you receive, any products sold or distributed through the Services or the Site and prior versions of the Site, including claims and disputes that arose between you and us before the effective date of these Terms (each, a “Dispute”) will be resolved by binding arbitration, rather than in court, except that: (i) you and Ethos may assert claims or seek relief in small claims court if such claims qualify and remain in small claims court; and (ii) you or Ethos may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). For purposes of this Arbitration Agreement, “Dispute” will also include disputes that arose or involve facts occurring before the existence of this or any prior versions of these Terms as well as claims that may arise after the termination of these Terms.

Informal Dispute Resolution. There might be instances when a Dispute arises between you and Ethos. If that occurs, Ethos is committed to working with you to reach a reasonable resolution. You and Ethos agree that good faith informal efforts to resolve Disputes can result in a prompt, low‐cost and mutually beneficial outcome (“Informal Dispute Resolution”). You and Ethos therefore agree that before either party commences arbitration against the other (or initiates an action in small claims court if a party so elects), we will personally meet and confer telephonically or via videoconference, in a good faith effort to resolve informally any Dispute covered by this Arbitration Agreement (“Informal Dispute Resolution Conference”). If you are represented by counsel, your counsel may participate in the conference, but you will also participate in the conference.

The party initiating a Dispute must give notice to the other party in writing of its intent to initiate an Informal Dispute Resolution Conference (“Notice”), which shall occur within forty-five (45) days after the other party receives such Notice, unless an extension is mutually agreed upon by the parties. Notice to Ethos that you intend to initiate an Informal Dispute Resolution Conference should be sent by email to legal@getethos.com or regular mail to our offices located at 1606 Headway Cir, #9013, Attn: Legal Department, Austin, TX 78754. The Notice must include: (1) your name, telephone number, mailing address, e‐mail address associated with your Account (if you have one); (2) the name, telephone number, mailing address and e‐mail address of your counsel, if any; and (3) a description of your Dispute.

The Informal Dispute Resolution Conference shall be individualized such that a separate conference must be held each time either party initiates a Dispute, even if the same law firm or group of law firms represents multiple users in similar cases, unless all parties agree; multiple individuals initiating a Dispute cannot participate in the same Informal Dispute Resolution Conference unless all parties agree. In the time between a party receiving the Notice and the Informal Dispute Resolution Conference, nothing in this Arbitration Agreement shall prohibit the parties from engaging in informal communications to resolve the initiating party’s Dispute. Engaging in the Informal Dispute Resolution Conference is a condition precedent and requirement that must be fulfilled before commencing arbitration. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the Informal Dispute Resolution Conference process required by this section.

Waiver of Jury Trial. YOU AND ETHOS HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and Ethos are instead electing that all Disputes shall be resolved by arbitration under this Arbitration Agreement, except as specified in the Section titled “Applicability of Arbitration Agreement”. There is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

Waiver of Class and Other Non-Individualized Relief. YOU AND ETHOS AGREE THAT, EXCEPT AS SPECIFIED IN THE SECTION TITLED “BATCH ARBITRATION”, EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE PARTIES HEREBY WAIVE ALL RIGHTS TO HAVE ANY DISPUTE BE BROUGHT, HEARD, ADMINISTERED, RESOLVED, OR ARBITRATED ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. Subject to this Arbitration Agreement, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by the party’s individual claim. Nothing in this paragraph is intended to, nor shall it, affect the terms and conditions under the Section titled “Batch Arbitration”. Notwithstanding anything to the contrary in this Arbitration Agreement, if a court decides by means of a final decision, not subject to any further appeal or recourse, that the limitations of this section are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and Ethos agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated in the state or federal courts located in the State of Texas. All other Disputes shall be arbitrated or litigated in small claims court. This section does not prevent you or Ethos from participating in a class-wide settlement of claims.

Rules and Forum. These Terms evidence a transaction involving interstate commerce; and notwithstanding any other provision herein with respect to the applicable substantive law, the Federal Arbitration Act, 9 U.S.C. § 1 et seq., will govern the interpretation and enforcement of this Arbitration Agreement and any arbitration proceedings. If the Informal Dispute Resolution process described above does not resolve satisfactorily within sixty (60) days after receipt of your Notice, you and Ethos agree that either party shall have the right to finally resolve the Dispute through binding arbitration. The arbitration will be administered by National Arbitration and Mediation (“NAM"), in accordance with NAM’s Standard Rules and Procedures (the “NAM Rules”) then in effect, except as modified by this section of this Arbitration Agreement. NAM Rules are currently available at https://www.namadr.com/content/uploads/2020/04/RULES-STANDARD.pdf.

A party who wishes to initiate arbitration must provide the other party with a request for arbitration (the “Request”). A Request to Ethos should be sent either by mail to 1606 Headway Circle, #9013, Austin, TX 78754 or by email to legal@getethos.com. A Request to you will be sent to your email address or regular address associated with your Ethos Account. The Request must include: (1) the name, telephone number, mailing address, e‐mail address of the party seeking arbitration and the account username (if applicable) as well as the email address associated with any applicable Account; (2) a statement of the legal claims being asserted and the factual bases of those claims; (3) a description of the remedy sought and an accurate, good‐faith calculation of the amount in controversy in United States dollars; (4) a statement certifying completion of the Informal Dispute Resolution process as described above; and (5) evidence that the requesting party has paid any necessary filing fees in connection with such arbitration.

If the party requesting arbitration is represented by counsel, the Request shall also include counsel’s name, telephone number, mailing address, and email address. Such counsel must also sign the Request. By signing the Request, counsel certifies to the best of counsel’s knowledge, information, and belief, formed after an inquiry reasonable under the circumstances, that: (1) the Request is not being presented for any improper purpose, such as to harass, cause unnecessary delay, or needlessly increase the cost of dispute resolution; (2) the claims, defenses and other legal contentions are warranted by existing law or by a nonfrivolous argument for extending, modifying, or reversing existing law or for establishing new law; and (3) the factual and damages contentions have evidentiary support or, if specifically so identified, will likely have evidentiary support after a reasonable opportunity for further investigation or discovery.

The arbitration hearing (if any) will be held by videoconference, unless either party requests an in-person hearing and the arbitrator agrees. Unless you and Ethos otherwise agree, an in-person hearing will be held in the county where you reside, or as determined by the arbitrator (in the case of Batch Arbitration). Subject to NAM Rules, the arbitrator may direct a limited and reasonable exchange of information between the parties, consistent with the expedited nature of the arbitration. If NAM is not available to arbitrate, the parties will select an alternative arbitral forum. Your responsibility to pay any NAM fees and costs will be solely set forth in the applicable NAM Rules.

You and Ethos agree that all materials and documents exchanged during the arbitration proceedings shall be kept confidential and shall not be shared with anyone except the parties’ attorneys, accountants, or business advisors, and shall be subject to the condition that they agree to keep all materials and documents exchanged during the arbitration proceedings confidential.

Arbitrator. The arbitrator will be either a retired judge or an attorney licensed to practice law in the state of Texas and will be selected by the parties from NAM’s roster of Neutrals. If the parties are unable to agree upon an arbitrator within thirty-five (35) days of delivery of the Request, then NAM will appoint the arbitrator in accordance with NAM Rules, provided that if the Batch Arbitration process under Section titled “Batch Arbitration” is triggered, NAM will appoint the arbitrator for each batch.

Authority of Arbitrator. The arbitrator shall have exclusive authority to resolve any Dispute, including, without limitation, disputes arising out of or related to the interpretation or application of the Arbitration Agreement, including the enforceability, revocability, scope, or validity of the Arbitration Agreement or any portion of the Arbitration Agreement, except for the following: (1) all Disputes arising out of or relating to Section titled “Waiver of Class and Other Non-Individualized Relief”, including any claim that all or part of Section titled “Waiver of Class and Other Non-Individualized Relief” is unenforceable, illegal, void or voidable, or that such Section titled “Waiver of Class and Other Non-Individualized Relief” has been breached, shall be decided by a court of competent jurisdiction and not by an arbitrator; (2) except as expressly contemplated in Section titled “Batch Arbitration”, all Disputes about the payment of arbitration fees shall be decided only by a court of competent jurisdiction and not by an arbitrator; (3) all Disputes about whether either party has satisfied any condition precedent to arbitration shall be decided only by a court of competent jurisdiction and not by an arbitrator; and (4) all Disputes about which version of the Arbitration Agreement applies shall be decided only by a court of competent jurisdiction and not by an arbitrator. The arbitration proceeding will not be consolidated with any other matters or joined with any other cases or parties, except as expressly provided in Section titled “Batch Arbitration”. The arbitrator shall have the authority to grant motions dispositive of all or part of any Dispute. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The award of the arbitrator is final and binding upon you and us. Judgment on the arbitration award may be entered in any court having jurisdiction.

Attorneys’ Fees and Costs. The parties shall bear their own attorneys’ fees and costs in arbitration unless the arbitrator finds that either the substance of the Dispute or the relief sought in the Request was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)). If you or Ethos need to invoke the authority of a court of competent jurisdiction to compel arbitration, then the party that obtains an order compelling arbitration in such action shall have the right to collect from the other party its reasonable costs, necessary disbursements, and reasonable attorneys’ fees incurred in securing an order compelling arbitration. The prevailing party in any court action relating to whether either party has satisfied any condition precedent to arbitration, including the Informal Dispute Resolution process, is entitled to recover their reasonable costs, necessary disbursements, and reasonable attorneys’ fees and costs.

Batch Arbitration. To increase the efficiency of administration and resolution of arbitrations, you and Ethos agree that in the event that there are ten (10) or more individual Requests of a substantially similar nature filed against Ethos by or with the assistance of the same law firm, group of law firms, or organizations, within a ninety (90) day period (or as soon as possible thereafter), NAM shall (1) administer the arbitration demands in batches of 100 Requests per batch (or, if between ten (10) and ninety-nine (99) individual Requests are filed, a single batch of all those Requests, and, to the extent there are less than 100 Requests remaining after the batching described above, a final batch consisting of the remaining Requests); (2) appoint one arbitrator for each batch; and (3) provide for the resolution of each batch as a single consolidated arbitration with one set of filing and administrative fees due per side per batch, one procedural calendar, one hearing (if any) in a place to be determined by the arbitrator, and one final award (“Batch Arbitration”).

All parties agree that Requests are of a “substantially similar nature” if they arise out of or relate to the same event or factual scenario and raise the same or similar legal issues and seek the same or similar relief. To the extent the parties disagree on the application of the Batch Arbitration process, the disagreeing party shall advise NAM, and NAM shall appoint a sole standing arbitrator to determine the applicability of the Batch Arbitration process (“Administrative Arbitrator”). In an effort to expedite resolution of any such dispute by the Administrative Arbitrator, the parties agree the Administrative Arbitrator may set forth such procedures as are necessary to resolve any disputes promptly. The Administrative Arbitrator’s fees shall be paid by Ethos.

You and Ethos agree to cooperate in good faith with NAM to implement the Batch Arbitration process including the payment of single filing and administrative fees for batches of Requests, as well as any steps to minimize the time and costs of arbitration, which may include: (1) the appointment of a discovery special master to assist the arbitrator in the resolution of discovery disputes; and (2) the adoption of an expedited calendar of the arbitration proceedings.

This Batch Arbitration provision shall in no way be interpreted as authorizing a class, collective and/or mass arbitration or action of any kind, or arbitration involving joint or consolidated claims under any circumstances, except as expressly set forth in this provision.

30-Day Right to Opt Out. You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to: 1606 Headway Cir., #9013, Attn: Legal Department, Austin, TX 78754, within thirty (30) days after first becoming subject to this Arbitration Agreement. Your notice must include your name and address, the email address associated with your Ethos Account (or if no email address is associated with your account, any valid email address where you can be contacted), and an unequivocal statement that you want to opt out of this Arbitration Agreement. If you opt out of this Arbitration Agreement, all other parts of these Terms will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

Modification. You and we agree that Ethos retains the right to modify this Arbitration Agreement in the future. Any such changes will be posted at www.ethoslife.com/terms and you should check for updates regularly. Unless you reject the change within thirty (30) days of such change becoming effective by writing to Ethos at 1606 Headway Cir., #9013, Attn: Legal Department, Austin, TX 78754, your continued use of the Serviceor the Terms, including the acceptance of products and services offered on the Service following the posting of changes to this Arbitration Agreement constitutes your acceptance of any such changes. Changes to this Arbitration Agreement do not provide you with a new opportunity to opt out of the Arbitration Agreement if you have previously agreed to a version of these Terms and did not validly opt out of arbitration. If you reject any change or update to this Arbitration Agreement, and you were bound by an existing agreement to arbitrate Disputes arising out of or relating in any way to your access to or use of the Service, any communications you receive, any products sold or distributed through the Service or these Terms, the provisions of this Arbitration Agreement as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms) remain in full force and effect. Ethos will continue to honor any valid opt outs of the Arbitration Agreement that you made to a prior version of these Terms.

Governing Courts. To the extent that the Dispute is not covered by any arbitration agreement between you and us, it shall proceed before the state or federal courts located in the State of Texas (except for small claims court actions which may be brought in the county where you reside).

Miscellaneous

These Terms constitute the entire agreement between you and Ethos relating to your access to and use of our Services. The section titles in these Terms are for convenience only and have no legal or contractual effect. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third party beneficiary rights upon any other person or entity.

You agree that these are the Terms for your use of the Services, and you have not entered into any other agreement related to your use of the Services. If we waive or fail to enforce any of the Terms, it doesn’t waive our right to enforce the Terms against you or someone else in the future. You may not assign any rights granted by the Terms to any third party, and any attempt to do so will be null and void. Ethos may assign the Terms to any affiliate, subsidiary, or any acquirer of substantially all of the assets or capital securities of Ethos.

With the exception of the “Waiver of Class and Other Non-Individualized Relief” section above, if any provision or part of a provision of these Terms is unlawful, void or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions, and the remaining provisions of the Terms will remain in full effect, and we will substitute a replacement enforceable term reflecting our intent as closely as possible. To the extent of any conflict between the terms and conditions in the main body of these Terms and the terms and conditions contained below in Annex A (Terms of Service), the terms and conditions in Annex A shall govern and control with respect to any access and use of the websites, applications (including, mobile application(s)) and other online products and services provided by Ethos Estate Planning, LLC.

Our Terms will change as Ethos evolves and grows

We will change the Terms as Ethos and the insurance industry evolves and grows over time. If we make changes, we will provide you notice by posting the amended Terms at www.ethoslife.com/terms and updating the “Effective Date” listed below. We may also attempt to notify you by sending an email notification to the address associated with your Ethos Account or by providing notice through the Services, or require you to accept or acknowledge the updated Terms. Unless we say otherwise in our notice of changes, the amended Terms will be effective immediately. If you no longer agree with the Terms, you must stop using the Services.

Apple Requirements

If you downloaded the Services from the Apple App Store, the following terms also apply to you:

Acknowledgement: You acknowledge that this Agreement is between you and Ethos only, and not with Apple. Ethos, not Apple, is solely responsible for the Services and the content thereof.
Scope of License: The license granted to you for the Services is a limited, non-transferable license to use the Services on a Mac product that you own or control and as permitted by the Usage Rules set forth in the terms of service applicable to the AppleApp Store.
Maintenance and Support: Ethos and not Apple is solely responsible for providing any maintenance and support services, for which additional fees may apply, with respect to the Services. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Services.
Warranty: Ethos is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Services to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Services to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Services, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Ethos’s sole responsibility.
Product Claims: Ethos, not Apple, is responsible for addressing any user or third party claims relating to the Services or the user’s possession and/or use of the Services, including, but not limited to: (a) product liability claims; (b) any claim that the Services fail to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation.
Intellectual Property Rights: You acknowledge that, in the event of any third party claim that the Services or your possession and use of the Services infringes that third party’s intellectual property rights, Ethos, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.
Legal Compliance: You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
Developer Contact Info: Direct any questions, complaints or claims by mail to: Ethos Technologies Inc., 1606 Headway Cir., #9013, Austin, TX 78754, or by email: legal@getethos.com
Third Party Terms of Agreement: You must comply with any applicable third party terms of agreement when using the Services.
Third Party Beneficiary: You acknowledge and agree that Apple and Apple’s subsidiaries are third party beneficiaries of this Agreement, and that, upon your acceptance of the terms and conditions of the Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third party beneficiary thereof.

Insurance Products

The insurance products offered may change from time to time and can be accessed on our Site at the following link: https://www.ethoslife.com/insurance/life-insurance-policies/. Insurance products are only available to people in those jurisdictions in which they may be legally sold. By applying for insurance products through the Site, you are agreeing to (1) designate us as your agent of record, (2) authorize us to communicate such designation to any insurance carrier, your prior insurance producer, and any other person or entity we determine should be advised, and (3) permit us to receive any compensation that any insurance carrier agrees to pay to us in connection with your purchase of insurance products. With respect to any insurance product, if any term or condition of these Terms differ from the terms and conditions of the policy, the policy’s provisions will control.

Ethos does not provide any legal, regulatory, accounting, or tax advice, and you must rely upon your own advisors before making any financial decision.

The list of carriers who Ethos works with to provide the Services may change from time to time and can be accessed on our Site at the following link: </carriers/>.

The insurance premiums quoted on the Site are based on the information provided for your quote. The premium quoted is only an estimate and the actual premium and rate class will be determined after the underwriting and approval process is completed. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided by you on the application, exam results and specific underwriting requirements and criteria. Premium rates may vary by gender (in states where permitted), underwriting class, coverage amount and duration. Premiums quoted may include an annual policy fee, which is subject to change prior to policy issue. Once issued, your annual policy fee will not increase or decrease. Premiums are guaranteed to stay level for the initial term period of term life policies. Policies can be returned without obligation within 30 days of receipt in most states. Two year contestability and suicide provisions may apply. Policy descriptions provided in these Terms are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations.

Fees

You shall pay all fees or charges (“Fees”) for the Services in accordance with the fees, charges and billing terms in effect between you and Ethos at the time a Fee is due and payable. By providing Ethos or its third party payment service provider with your payment information, you agree that Ethos, or its third party providers of such services, are authorized to immediately invoice your account or charge your designated payment method (including without limitation credit or debit cards) for all Fees due and payable to Ethos hereunder and that no additional notice or consent is required. You shall immediately notify Ethos of any change in your payment information to maintain its completeness and accuracy. Except with respect to in-force term policies, Ethos and its carriers reserve the right at any time to change their prices and billing methods in their sole discretion. You agree to have sufficient funds or credit available upon purchase of any product or service to ensure that the purchase price is collectible by us (including on a monthly, recurring basis), or our third party provider for such product or service. Your failure to provide accurate payment information to Ethos or our inability to collect payment constitutes your material breach of these Terms. Except as set forth in this Agreement, all Fees for the Services are non-refundable.

The Referral Program

Ethos may at times offer you the opportunity to refer friends via our referral program (“Program”). Using your unique personal referral link (“Personal Link”), you can refer friends, family members or colleagues whom you personally know (collectively, “Friends”). Referred Friends must submit a life insurance application with Ethos as described in the referral message.

Referral Program Restrictions

This Program only applies to Legal & General America/Banner Life, and Ameritas Life Insurance Corp. Referrers cannot refer themselves, pay a Friend to apply to Ethos for coverage, create multiple or fake accounts with Ethos, or refer a person more than once. You may not use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene or outside the spirit and intent of the Program. In addition, you may not (i) tamper with the Program, (ii) act in an unfair or disruptive manner, or (iii) use any system, bot or other device or artifice to participate or receive any benefit in the Program. This includes but is not limited to a general prohibition on posting of the referral codes on any Site which offers the referral code to anyone other than Friends, i.e. individuals to whom you personally know. No purchase necessary, and you need not be an existing Ethos customer to participate. The Program may be subject to additional restrictions in some states to comply with applicable law. When referring a Friend, you can tell them about Ethos and that we offer a great term life insurance product, but you should not discuss any details of the policies, coverage amounts, or rates. You also cannot pay a friend to apply for coverage.

Referral Program Rewards

By making a Valid Referral (defined below), you will receive a reward subject to the restrictions set forth below. In order to qualify as a “Valid Referral”, your Friend must not be an existing Ethos customer and must be a first-time applicant for a policy as a result of your referral. These rewards will be in the form of an Amazon Gift Card (or as otherwise determined by Ethos), which may be subject to the gift card issuer’s terms and conditions. Rewards will not exceed $100 per fiscal year. Rewards are subject to verification. Ethos may delay a reward for the purposes of investigation. Ethos may also refuse to verify and process any transaction for any reason.

Referral Program Liability

YOU UNDERSTAND AND AGREE THAT THE INDEMNIFIED PARTIES (DEFINED BELOW) SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, ACTUAL, CONSEQUENTIAL, ECONOMIC, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR LOSS OF GOODWILL) ARISING UNDER, RELATED TO, AND/OR IN CONNECTION WITH THE PROGRAM, EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME. By participating in the Program, you agree to indemnify, defend, and hold harmless Ethos and its subsidiaries, affiliates, and its and their respective attorneys, officers, directors, employees, insurers, independent contractors, agents, successors and assigns (the “Indemnified Parties”) from and against any and all liabilities incurred in connection with (i) your breach or violation of these Terms; and/or (ii) your violation of any law, or the rights of any third party; and (iii) your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden on our infrastructure. Ethos reserves the right, in its own sole discretion, to assume the exclusive defense and control at its own expense of any matter otherwise subject to your indemnification. You will not, in any event, settle any claim or matter without the prior written consent of Ethos. TO THE FULLEST EXTENT POSSIBLE BY LAW, THE INDEMNIFIED PARTIES’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE PROGRAM, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), SHALL BE $100.00.

Referral Program Bulk Distribution (“Spam”)

Each Referrer is the actual sender of the emails and must comply with applicable law. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues and family members. Bulk Personal Link distribution, distribution to strangers, or any other use of the services described herein in a manner that is not promoted is expressly prohibited and may be grounds for further legal action. Ethos has no obligation to monitor the Program or any communications you send to third parties; however, Ethos may choose to do so and prohibit any use of the Program. Referrers who do not comply with the law, including anti-spam laws, are obligated to indemnify Ethos against any liabilities, costs and expenses it incurs as a result of such spam.

Referral Program Right to Cancel, Modify or Terminate.

We reserve the right to cancel, modify or terminate the Program at any time for any reason with or without notice. We reserve the right to investigate all referral activities and suspend accounts or not pay fees if we notice any activity that we believe is abusive, fraudulent, or in violation of the Program terms or these Terms. We reserve the right to disqualify any User at any time from participation in the Program if we have a good faith belief that he/she has violated any of these Terms.

Anti-Money Laundering (AML)

Ethos strives to monitor, detect, and prevent transactions that may involve fraud, money laundering, terrorist financing, or other illegal activity and to report applicable situations as may be required by law. Ethos reserves the right to deny Service to anyone where we have a reasonable suspicion of violations of any applicable law.

Please click here to view the previous version of our Terms of Use.

Effective Date: August 6, 2024

Annex A

Ethos Estate Planning, LLC

Ethos Estate Planning, LLC (“Ethos Estate Planning”, “we”, “us”, “our” or “Company”) provides online estate planning tools and solutions. These Terms of Service (“Terms”) outline the rules and expectations that apply to you and Ethos Estate Planning and govern your access to and use of the websites, applications (including, our mobile application(s)) and other online products and services provided by Ethos Estate Planning (collectively, our “Services”). Our goal is to keep them simple and easy to understand. If there’s something you’re not sure about, please reach out to us at support@getethos.com. Please read these Terms carefully as they constitute a legally binding agreement between you and Ethos Estate Planning.

BY ACCESSING OR USING THE SERVICES IN ANY WAY, ACCEPTING THIS AGREEMENT BY CLICKING ON THE “I ACCEPT” OR “NEXT” BUTTON, COMPLETING THE APPLICATION PROCESS, OR BROWSING OR DOWNLOADING OUR MOBILE APPLICATION, YOU REPRESENT THAT (1) YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS; (2) YOU ARE OF LEGAL AGE AND HAVE LEGAL CAPACITY TO FORM A BINDING CONTRACT WITH US; AND (3) YOU HAVE THE AUTHORITY TO ENTER INTO THE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, INCLUDING THE MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER, DO NOT ACCESS OR USE OUR SERVICES AS YOU ARE NOT PERMITTED TO DO SO.

THE ARBITRATION AGREEMENT SECTION CONTAINS PROVISIONS THAT GOVERN HOW TO RESOLVE DISPUTES BETWEEN YOU AND COMPANY. AMONG OTHER THINGS, THE ARBITRATION AGREEMENT SECTION INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION. THE ARBITRATION AGREEMENT SECTION ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ THE ARBITRATION AGREEMENT SECTION CAREFULLY.

In addition to these Terms, we may ask you to accept additional terms that apply to specific features, products or services provided by Ethos Estate Planning. To the extent any additional terms conflict with these Terms, the additional terms govern with respect to your access to or use of the applicable feature, product or service.

You are permitted to use the Services to (a) create, prepare and execute estate planning documents including but not limited to wills, trusts, powers of attorney, and advance healthcare directives (collectively, “Estate Planning Documents”), (b) list assets in your trust schedule of assets, if you have opted to create a trust, and (c) consolidate and track your financial information in one place designed to allow you to make estate planning decisions.

ETHOS ESTATE PLANNING PROVIDES NO FINANCIAL, INVESTMENT, ESTATE PLANNING, LEGAL OR TAX ADVICE.

You acknowledge that Ethos Estate Planning is not a law firm or an attorney, and does not (i) perform services for you or on your behalf as would be performed by an attorney or (ii) provide you with legal advice or guidance. Our products and services are not a substitute for the advice or services of a licensed attorney, but provide access to “fill in the blank” materials. There exists no attorney-client relationship or privilege between you and us. Instead, by using the Services, you are representing yourself in any legal matter you undertake, including any legal matter relating in any manner to your use of the Services. Additionally, you acknowledge that Ethos Estate Planning is not a (i) financial planner; (ii) estate planner; (iii) investment advisor; (iv) legal advisor; (v) accounting firm, or (vi) tax advisor. Neither Ethos Estate Planning nor the Services provide any financial planning, investment, legal, accounting, or tax advice. Although Ethos Estate Planning does sell “fill in the blank” estate planning products as addressed below, these products are not substitutes for professional advice. You should consult your own tax, legal and accounting advisors before making any final decisions.

In relation to the Services, you are solely responsible and liable for any and all financial, estate, tax, investment or legal decisions you make or related agreements to which you become a party. We will not provide any guidance or answer any questions about the potential legal, tax, or accounting issues, implications, or other consequences arising from the use of the “fill in the blank” estate planning documents and other products or materials made available through the Services. We also do not review these documents, products or materials for any purpose, substantive or otherwise, or provide any other customized services or guidance, tailored to your situation. We provide only generic documentation and general information based on statutes and case law, which are available to the public, which you understand and acknowledge is not specific to your situation. You waive all claims against us for all losses, damages, expenses and similar claims that you may incur because of your financial, estate, tax, investment, legal or other similar decisions, and you agree that we shall not be liable for any such losses, damages, expenses or similar claims.

Eligibility

You represent and warrant that you: (a) are at least 18 years old; (b) have not previously been suspended or removed from using our Services; (c) have full capacity, power and authority to enter into these Terms and in doing so will not violate any other agreement to which you are a party; (d) are a US citizen or lawful permanent resident and are not a citizen or resident of any country to which the United States has embargoed goods or services; (e) have not been identified as a “Specially Designated National” by the Office of Foreign Assets Control; (f) have not been placed on the U.S. Commerce Department’s Denied Persons List; (g) will not use our Services outside the United States and (h) do not and will not have more than one account for the Services.

If you are using the Services on behalf of an entity, (a) you represent and warrant that you are authorized to bind that entity to these Terms, (b) that entity agrees to be responsible for you and any other user that accesses the Services on its behalf, including for your and their compliance with these Terms, and (c) all references to “you” will refer to you and that entity, jointly.

Your Account

You may need to register for an account to access some or all of our Services. You agree to provide accurate account and other information and promptly update this information if it changes. You agree to maintain the security of your account credentials and promptly notify us if you discover or suspect that someone has accessed your account without your authorization. Your username and password are personal to you and may not be shared with any third parties. You are responsible for all activities that occur regarding your account credentials or otherwise under your account.

Fees

You shall pay all applicable fees or charges (“Fees”) for the Services in accordance with the fees, charges and billing terms in effect between you and us at the time a Fee is due and payable. By providing Ethos Estate Planning or its third party payment service provider with your payment information, you agree that Ethos Estate Planning, or its third party providers of such services, are authorized to immediately invoice your account or charge your designated payment method (including without limitation your credit or debit cards) for all Fees due and payable to Ethos Estate Planning hereunder and that no additional notice or consent is required. You shall immediately notify Ethos Estate Planning of any change in your payment information to maintain its completeness and accuracy. Ethos Estate Planning reserves the right at any time to change its prices and billing methods in its sole discretion. You agree to have sufficient funds or credit available upon purchase of any product or service to ensure that the purchase price is collectible by us, or our third party provider of such products or services. Your failure to provide accurate payment information to Ethos Estate Planning or our inability to collect payment constitutes your material breach of these Terms. Except as set forth in this Agreement, all Fees for the Services are non-refundable.

Your Use of Estate Planning Documents

If you prepare any Estate Planning Documents using the Services, the following terms and conditions apply:

Any documents provided by us or used by us in connection with the Services (including any Estate Planning Documents) are not a substitute for the advice or services of an estate or financial planner, or an attorney. You authorize us to create your Estate Planning Documents via the Services using your information (including, without limitation, that which you provide via the Services). We will create your Estate Planning Documents; however, you agree that you are solely responsible for (a) the information you provide or otherwise make available to us, (b) reviewing the Estate Planning Documents, and (c) ensuring you agree with terms of any Estate Planning Documents before you sign them. You agree that you are solely responsible for independently determining whether the Estate Planning Documents and filing instructions provided by us comply with all applicable laws, regulations and rules.
The requirements for preparing Estate Planning Documents may vary depending on local, state and federal laws, regulations, rules and tribunal’s interpretation(s) in the relevant jurisdictions. We do not guarantee that the information provided by us is completely accurate, current or correct. Because of (i) potential changes in applicable laws, regulations and rules; (ii) variations among and within jurisdictions, and (iii) different interpretations of applicable requirements, you should consult with a licensed attorney in the relevant jurisdiction(s) regarding the Services and the Estate Planning Documents prepared by us. Likewise, if you need legal, investment, or accounting advice for a specific problem, or if your specific circumstances are not addressed by our Services, you should consult a licensed professional in the applicable jurisdiction.
In the event of your death or incapacitation, to the extent applicable, you authorize us to (a) work and communicate with a person authorized to act on your behalf, or with your family member(s) to have your account transition to a “deceased” status and (b) provide access to your Estate Planning Documents to relevant individuals and/or entities (such as your designated executor, trustee, attorney-in-fact, and healthcare agent).
You agree to the following:
Ethos Estate Planning is an online provider of “fill in the blank” forms and general information. We may choose to update these materials from time to time, without notice, but do not make any commitment to do so. We are not a law firm and we do not provide legal advice or represent you in any way (including, without limitation, in any legal capacity).
By using the Services (including, without limitation, our forms) you are not accessing or receiving any attorney services or legal, tax, or accounting advice. The Services, including our app, are not a substitute for the advice of a licensed attorney or other professional.
By using the Services (including, without limitation, our forms) you are not establishing an attorney-client relationship with Ethos Estate Planning or any of its employees, or with an attorney. Any information you provide us is not protected by the attorney-client privilege or attorney work product doctrines.
By using the Services, you assume responsibility to provide and otherwise make available to us correct and up-to-date information. Inaccuracies in information could affect the validity or enforceability of Service deliverables (including, without limitation, the Estate Planning Documents). You will read all Services deliverables prior to signing (i.e., executing) them. You take sole responsibility for the accuracy of your information (including, without limitation, personal information) contained in our documents that you sign. Ethos Estate Planning has no responsibility or liability for the deletion or accuracy of such information; the failure to store, transmit, or receive transmission of such information; or the security, privacy, storage, or transmission of other communications originating with or involving use of the Services.
Each person’s circumstances are different and complex circumstances may require legal advice and representation. It is not possible for the Services to identify any circumstances in which legal representation is appropriate, necessary or desirable. We do not review your Estate Planning Documents or any information you provide or otherwise make available for accuracy or legal sufficiency. We do not draw legal conclusions, provide legal advice or apply the law to your particular circumstances.
You have the obligation to make your own determination as to whether to seek the advice of a lawyer or other professional advisor. We recommend that all Services users review their Estate Planning Documents with a licensed attorney.
Different jurisdictions may have different requirements that may affect the enforceability or validity of Estate Planning Documents, and each jurisdiction’s requirements may change over time. Ethos Estate Planning does not ensure that the documents generated through the Services will be enforceable or valid in all jurisdictions or in every instance. You assume the responsibility to seek legal review of your Estate Planning Documents and other Services deliverables.
In most states, adjudicatory tribunals (including, without limitation, courts) determine guardianship appointments. While a parent’s choice of guardian may be given deference, there is no guarantee that a parent’s choice of guardian will be upheld by an adjudicatory tribunal. We recommend that you seek legal advice to determine how best to address guardianship-related issues.
In most states, adjudicatory tribunals (including, without limitation, courts) determine executor appointments. While your choice of executor may be given deference, there is no guarantee that your choice of executor will be upheld by an adjudicatory tribunal. We recommend that you seek legal advice to determine how best to choose an executor.
You should update your Estate Planning Documents and other Service deliverables as your life circumstances change. It is up to you to determine when you need to update your Estate Planning Documents and other Service deliverables. Failure to do so may affect the validity or enforceability of your Estate Planning Documents and other Service deliverables.
Certain Estate Planning Documents and other Service deliverables may not be valid or enforceable unless you follow detailed and specific steps to execute properly the relevant Estate Planning Documents or other Service deliverables. Failure to precisely follow directions may result in invalid or unenforceable Estate Planning Documents or other Service deliverables. If you have any questions regarding how to execute properly the relevant Estate Planning Documents or other Service deliverables, you should seek the advice of a licensed attorney.
Certain Estate Planning Documents, including, without limitation, will and trust documents, can have financial and tax consequences. We do not guarantee that any Estate Planning Documents (including, without limitation, will and trust documents) will be ideal for any situation or that they are appropriate for you. We recommend that you seek legal or other professional advice to determine what specific tax or financial planning is best for you.
Executors, guardians, trust creators and trustees should consult with a licensed attorney to determine their legal rights and obligations under Estate Planning Documents and applicable requirements. Certain Estate Planning Documents may create financial and tax consequences for executors, guardians, trust creators, trustees, heirs and beneficiaries.

Third-Party Services and Products

Sometimes we may link to other companies or services, like an article, reference, referral, social media content, or promotion. We cannot guarantee these links as we don’t manage content which is not on our websites or mobile applications, and links can change after they’re posted. We aren’t responsible for the practices of the sites or services to whom we link, including any of the content they show you. And, those sites are not acting or governed by our policies. The information you may share with any third parties, like the sites and services we may link to, are controlled by them and their site policies and terms. You understand and agree that we don’t have control of those sites and we are not responsible if you give any third-party access to your data. You own any risk yourself for sharing information or viewing content on other sites. You are solely responsible for your purchasing decisions and if you choose to visit any third party websites, you may be subject to additional or different terms and conditions and privacy policies.

Also, if any of the Services provided to you contain an open-source license, there may be provisions in those licenses that expressly conflict with these Terms, in which case, the open source provisions will apply.

Third-Party-Stored Account Information

The Services may permit you to sync third-party accounts with the Services in a manner designed to permit us to retrieve your information that is maintained online by such third parties (“Third-Party-Stored Account Information”). By using the Services, you authorize us to access and obtain your Third-Party-Stored Account Information and you authorize such third parties to disclose your Third-Party-Stored Account Information to us. When you desire to provide or otherwise make available Third-Party-Stored Account Information through the Services, you will be directly connected to the website for the third party you have identified. We will submit your information including, without limitation, usernames and passwords that you provide to log into the Services. You hereby authorize and permit us to use your information to obtain and retrieve and to configure the Services so that they are compatible with the third party sites for which you submit your information. You understand and agree that any third party accounts and sites are not provided by us and we are not responsible for any Services-related issues arising from or in connection with such third party accounts or your Third-Party-Stored Account Information. You agree to keep your Third-Party-Stored Account Information up to date and accurate.

User Content

In order to use certain aspects of the Services, the Services may allow you to provide, create, post, store, submit, upload, and share (a) certain personal information about yourself and your Contacts, including your and their names, birthdates, state of residency, role (e.g. beneficiary, trustee, etc.), financial and estate planning information, information you provide to us about your health or life status, such as health conditions or treatments, whether you are tobacco user, whether you have ever been pregnant, etc., and other details about yourself and your Contacts, (b) Third-Party-Stored Account Information, and (c) other information, material, content, profiles, documents, lists, messages, and/or photos. The content described in clauses (a), (b) and (c) of the previous sentence are collectively, “User Content”. As between you and Ethos Estate Planning, you retain all rights in and to your User Content, subject to the license grant below.
You grant Ethos Estate Planning and its affiliates a perpetual, irrevocable, nonexclusive, royalty-free, worldwide, fully-paid, and sub-licensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform and display your User Content and any name or username provided in connection with your User Content in all media formats and channels now known or later developed without compensation to you. When you post, upload, submit or otherwise share User Content on or through our Services, you understand that your User Content may be displayed publicly and shared, including with your Contacts and any other person or entity who you designate via the Services.
You acknowledge that our use of User Content is subject to our Online Privacy Policy.
You represent and warrant that you have the right to provide us the User Content and that we have the right to use such User Content as described in these Terms. You agree not to create, post, store or share any User Content that violates these Terms or for which you do not have all the rights necessary to grant us the license described above. Although we have no obligation to screen, edit or monitor User Content, we may delete or remove User Content at any time and for any reason.
Unless expressly agreed to by Ethos Estate Planning in writing elsewhere, Ethos Estate Planning has no obligation to store any of the User Content. Ethos Estate Planning has no responsibility or liability for the deletion or accuracy of any User Content; the failure to store, transmit, or receive transmission of User Content; or the security, privacy, storage, or transmission of other communications originating with or involving use of the Services. You agree that Ethos Estate Planning retains the right to create reasonable limits on Ethos Estate Planning’s use and storage of User Content, such as limits on file size, storage space, processing capacity, and similar limits described on the Service and as otherwise determined by Ethos Estate Planning in its sole discretion.

Prohibited Conduct and Content

You agree not to violate any applicable law, contract, intellectual property or other third-party right or commit a tort, and you are solely responsible for your conduct, while accessing or using our Services. Without limiting the foregoing, you agree not to:
engage in any harassing, threatening, intimidating, predatory or stalking conduct;
use or attempt to use another user’s account without authorization from that user and Ethos Estate Planning;
use our Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying our Services or that could damage, disable, overburden or impair the functioning of our Services in any manner;
bypass or circumvent measures employed to prevent or limit access to any part of our Services;
attempt to circumvent any content-filtering techniques we employ or attempt to access any feature or area of our Services that you are not authorized to access;
develop or use any third-party applications that interact with our Services without our prior written consent; or
use our Services for any illegal or unauthorized purpose, or engage in, encourage or promote any activity that violates these Terms.
You agree that you will only post or otherwise share User Content that you have all necessary rights to disclose. You agree not to create, post, store or share any User Content that:
is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory or fraudulent;
would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party or otherwise create liability or violate any local, state, national or international law;
may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences;
impersonates, or misrepresents your affiliation with, any person or entity;
contains any unsolicited promotions, political campaigning, advertising or solicitations;
contains any private or personal information of a third party without such third party’s consent;
contains any viruses, corrupted data or other harmful, disruptive or destructive files or content; or
is, in our sole judgment, objectionable or that restricts or inhibits any other person from using or enjoying our Services, or that may expose Ethos Estate Planning or others to any harm or liability of any type.

Limited License; Copyright and Trademark

© 2024 Ethos Estate Planning, LLC. All rights reserved. Ethos Estate Planning and all of our logos and designs are trademarks and/or service marks of Ethos Estate Planning, LLC, a Delaware limited liability company. You may not use our images or logos without first getting consent from us in writing.

Everyone who uses our Services should respect intellectual property laws and the rights of Ethos Estate Planning. If there appear to be any issues with our Services or if you have any concerns, you may send us questions. We will work quickly to look into your question and will remove material if we determine third party copyrighted material is displayed without Ethos Estate Planning holding a license to do so. Your notice must follow the requirements of U.S. Copyright Act 17 U.S.C. 512(c)(3) and all regulations promulgated, each as amended (Notice Requirements), and/or the specific requirements of the Digital Millennium Copyright Act of 1998 (DMCA), whichever applies. If you inappropriately report a violation, infringement, or ownership of a copyright, you may be liable for damages (including reasonable costs and attorneys’ fees).

Ethos Estate Planning’s name, logos, designs, business processes, and our Services (the “Ethos Estate Planning Content”) are protected by intellectual property rights including copyright, trademark, trade secret, and other laws of the United States. Our Terms don’t give you any license to use any of our intellectual property, other than as necessary to use our Services and to assist you in purchasing “fill in the blank” estate planning products and insurance products we make available to you.

Except with respect to User Content, you agree that Ethos Estate Planning and its suppliers or licensors own all rights, title and interest in the Services (including but not limited to, any computer code, themes, objects, characters, concepts, artwork, animations, sounds, audiovisual effects, methods of operation, moral rights, documentation, “fill in the blank” forms, and Ethos Estate Planning software). You shall not remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying any of the Services. You agree to honor our ownership rights related to our Services and the rights of the other parties whose intellectual property is included in the Services. You will not misuse Services or any third party intellectual property used along with the Services. You may not copy or reproduce any of the Services in any form or by any means; you may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Services. You will not trespass, bypass, interfere with, disrupt any host or network systems, burden the network capacity, overload, flood, spam, mail-bomb, infect, or install or send a virus, spyware, or any other malware or Trojan horse of any kind, or in any other way disrupt the proper operation of the Services.

You are hereby granted a limited, nonexclusive, non-transferable, non-sublicensable, revocable license to access and use our Services and Ethos Estate Planning Content for your own personal use; however, such license is subject to these Terms and your compliance with these Terms, and does not include any right to do any of the following, all of which are expressly prohibited (a) license, sell, resell, rent, lease, transfer, assign, or commercially use or otherwise exploit our Services or Ethos Estate Planning Content; (b) copy, reproduce, distribute, publicly perform or publicly display Ethos Estate Planning Content, except as expressly permitted by us or our licensors; (c) modify the Ethos Estate Planning Content, remove any proprietary rights notices or markings, or otherwise adapt, merge, reverse compile, reverse engineer, or make any derivative uses of our Services or Ethos Estate Planning Content; (d) frame or utilize framing techniques to enclose any trademark or logo located on the Services or any other portion of the Service (including images, text, page layout or form); (e) use any metatags or other “hidden text” using Ethos Estate Planning’s name or trademarks; (f) use any manual or automated software, devices or other processes (including but not limited to spiders, robots, scrapers, crawlers, avatars, data mining tools, or the like) to “scrape” or download data from any web pages contained in the Services (including any of our “fill in the blank” forms); (g) remove or destroy any copyright notices or other proprietary markings contained on or in the Services; ; (h) impersonate any person or entity, including any employee or representative of Ethos Estate Planning; or (i) use our Services or Ethos Estate Planning Content other than for their intended purposes as described in these Terms including but not limited to violating or attempting to violate any security features of the Services, introducing viruses, worms, or similar harmful code into the Services, or interfering or attempting to interfere with use of the Services by any other user, host, or network, including by means of overloading, “flooding,” “spamming,” “mail bombing,” or “crashing” the Services. Except as explicitly set forth herein, we are not granting you any right, title, license, or interest in the Services. Any use of our Services or Ethos Estate Planning Content other than as specifically authorized in these Terms, without our prior written permission, is strictly prohibited and will automatically terminate the license granted in these Terms.

Feedback

Any questions, comments, suggestions, testimonials, ideas, original or creative materials or other information you submit about Ethos Estate Planning, our website, or our products or Services (collectively, “Feedback”), is non-confidential and will become the sole property of Ethos Estate Planning. We will own exclusive rights, including, without limitation, all intellectual property rights, in and to Feedback and will be entitled to the unrestricted use and dissemination of Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

Electronic Communication

By using our Services, you (a) agree that all communications from us relating to products and Services may be provided or made available to you electronically by email, and/or on our mobile applications or websites and (b) consent to receive emails, and other electronic communications from us. These communications may include notices about your account (e.g., password changes and other transactional information), as well as communications provided as part of the Services or for marketing purposes, and are part of your relationship with us. You consent to being provided with any notices, disclosures, information, and other materials in electronic form (collectively “Electronic Records”), rather than in paper form in accordance with The Electronic Signatures in Global and National Commerce Act (“E-Sign”). Your consent to receive Electronic Records applies to all notices, disclosures, documents, records or other materials of any kind that we may be required to provide to you. You agree that any notices, agreements, disclosures or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing. You further agree that checking or clicking a box, clicking “accept” or “agree” (or another similar word) on our website, or responding via telephone keypress constitutes your signature and will have the same binding effect as a physical wet signature.

You agree that you have the ability to access, view, store, download, and print communications, documents, and hyperlinks we deliver or make available to you electronically through your computer or on your mobile device. You can find apps that support printing and saving electronic communications using your mobile device’s app store. If your mobile device does not have this functionality, you must access the Services through alternate means that provide you with the capability to print and save communications.

You may withdraw your consent to electronic communications and to use an electronic signature at any time. If you do withdraw your consent, from that time forward you may be unable to use the Services, and your account may be closed. To withdraw your consent of doing business electronically, please send us a written notice by email (legal@getethos.com) or U.S. Mail (1606 Headway Circle, #9013, Austin, TX 78754 Attn: Legal Department).

Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Ethos Estate Planning, each of our subsidiaries and affiliates, our licensors, and third party providers and partners, including insurance carriers, underwriters and reinsurers (collectively, “Partners”), and each of our and our Partners’ respective officers, directors, agents, partners and employees (individually and collectively, the “Ethos Estate Planning Parties”) from and against any loss, liability, claim, demand, cause of action, suit, damages, fines and any related expenses or costs (“Claims”) arising out of or related to (a) your access to or use of our Site and Services, including the generation and use of Estate Planning Documents; (b) your User Content or Feedback; (c) your violation of these Terms; (d) your violation, misappropriation or infringement of any rights of another (including intellectual property rights or privacy rights); (e) your conduct in connection with our Services; or (f) any violation by you of any federal, state, or local laws, statutes, rules, or regulations. You agree to promptly notify the Ethos Estate Planning Parties of any third-party Claims, cooperate with the Ethos Estate Planning Parties in defending such Claims and pay all fees, costs and expenses associated with defending such Claims (including, but not limited to, attorneys’ fees, costs and expenses). You also agree that the Ethos Estate Planning Parties reserves the right to assume exclusive control of the defense or settlement of any third party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and Ethos Estate Planning or the other Ethos Estate Planning Parties.

Disclaimers

WE DO NOT PROVIDE ANY WARRANTIES WITH RESPECT TO THE USE OF THE SERVICES, INCLUDING THE GENERATION AND USE OF ESTATE PLANNING DOCUMENTS AND ANY AND ALL SOFTWARE INCLUDED THEREIN, WHICH IS PROVIDED “AS-IS”. YOU USE OUR SERVICES WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND, AT YOUR OWN RISK. WE DISCLAIM ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. In addition, we do not represent or warrant that our Services are accurate, complete, reliable, current or error-free. Specifically, we do not represent or warrant that any of the “fill in the blank” forms or other materials available through the Services will be free of typographical, technical, or other errors, or be current, accurate, complete, or comply with the laws of any applicable jurisdiction. We do not take on or assume any responsibility for any harm, loss, or corruption to you, your computer, or your data (or any third party data or computer) from your use of our Services. You assume the entire risk as to the quality and performance of the Services. Additionally, you acknowledge that information you store or transfer through our Services may become irretrievably lost or corrupted or temporarily unavailable due to a variety of causes, including software failures, protocol changes by third party providers, internet outages, force majeure events or other disasters, scheduled or unscheduled maintenance, or other causes either within or outside our control. You are solely responsible for backing up and maintaining duplicate copies of any information you store or transfer through our Services.

No Liability for Conduct of Third Parties. YOU ARE SOLELY RESPONSIBLE FOR ALL OF YOUR COMMUNICATIONS AND INTERACTIONS WITH THIRD PARTIES, INCLUDING PARTNERS AND PROVIDERS, THROUGH THE SERVICES, AND INCLUDING ANY THIRD PARTY SERVICES TO WHICH WE MAY PROVIDE LINKS. YOU ACKNOWLEDGE AND AGREE THAT ETHOS ESTATE PLANNING IS NOT LIABLE, AND YOU AGREE NOT TO SEEK TO HOLD ETHOS ESTATE PLANNING LIABLE, FOR THE CONDUCT OF SUCH THIRD PARTIES, INCLUDING OPERATORS OF EXTERNAL SITES, AND THAT THE RISK OF INJURY FROM SUCH THIRD PARTIES RESTS ENTIRELY WITH YOU. ETHOS ESTATE PLANNING MAKES NO WARRANTY THAT THE GOODS OR SERVICE PROVIDED BY SUCH THIRD PARTIES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS.

Limitation of Liability

IN NO EVENT SHALL (I) WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE SERVICES AND (II) OUR LIABILITY FOR ANY AND ALL CLAIMS BROUGHT OR DAMAGES INCURRED BY YOU OR ANY THIRD PARTIES SHALL NOT EXCEED, IN THE AGGREGATE, THE FEES PAID BY YOU TO US DURING THE LAST YEAR PRIOR TO THE DATE SUCH CAUSE OF ACTION ARISES.

YOU ACKNOWLEDGE THAT (I) THE LIMITATIONS ON LIABILITY IN THIS SECTION ARE REASONABLE AND THAT THE PROVISIONS OF THIS SECTION ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN YOU AND US (AND OUR AFFILIATES), AND (II) WE AND YOU HAVE RELIED UPON THE LIMITATIONS SET FORTH HEREIN IN DETERMINING WHETHER TO AUTHORIZE YOU TO USE THE SERVICES. THE REMEDIES PROVIDED TO YOU IN THE TERMS ARE EXCLUSIVE. Some states may not allow for these limitations of liability. If you live in one of these states, these limits don’t apply to you, and the maximum liability for any of these violations will be $100.00 in the aggregate for any and all claims or the minimum allowed by law, whichever is lower.

You agree that these are the Terms for your use of the Services, and you have not entered into any other agreement related to your use of the Services. We haven’t and don’t create any third party beneficiary rights by the Terms. If we waive or fail to enforce any of the Terms, it doesn’t waive our right to enforce the Terms against you or someone else in the future. You may not assign any rights granted by the Terms to any third party, and any attempt to do so will be null and void. We may assign the Terms to any affiliate, subsidiary, or any acquirer of substantially all of the assets or capital securities of Ethos Estate Planning. If a provision of the Terms is found unenforceable, the remaining provisions of the Terms will remain in full effect, and we will substitute a replacement enforceable term reflecting our intent as closely as possible.

Release

To the fullest extent permitted by applicable law, you release Ethos Estate Planning and the other Ethos Estate Planning Parties from responsibility, liability, claims, demands, and/or damages (actual and consequential) of every kind and nature, known and unknown (including, but not limited to, claims of negligence), arising out of or related to disputes between users and the acts or omissions of third parties. To the extent you are a California resident, you expressly waive any rights you may have under California Civil Code § 1542 as well as any other statute or common law principles that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

Governing Law

Arbitration Agreement.

Please read this section (the “Arbitration Agreement”) carefully. It is part of your contract with Ethos and affects your rights. It contains procedures for MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

Applicability of Arbitration Agreement. Subject to the terms of this Arbitration Agreement, you and Ethos agree that any dispute, claim, disagreements arising out of or relating in any way to your access to or use of the Services, any communications you receive, any products sold or distributed through the Services, our website, or this Agreement and prior versions of our website, including claims and disputes that arose between you and us before the effective date of this Agreement (each, a “Dispute”) will be resolved by binding arbitration, rather than in court, except that: (i) you and Ethos may assert claims or seek relief in small claims court if such claims qualify and remain in small claims court; and (ii) you or Ethos may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). For purposes of this Arbitration Agreement, “Dispute” will also include disputes that arose or involve facts occurring before the existence of this or any prior versions of these Terms as well as claims that may arise after the termination of these Terms.

The party initiating a Dispute must give notice to the other party in writing of its intent to initiate an Informal Dispute Resolution Conference (“Notice”), which shall occur within forty-five (45) days after the other party receives such Notice, unless an extension is mutually agreed upon by the parties. Notice to Ethos that you intend to initiate an Informal Dispute Resolution Conference should be sent by email to legal@getethos.com or regular mail to our offices located at 1606 Headway Cir, #9013, Attn: Legal Department, Austin, TX 78754. The Notice must include: (1) your name, telephone number, mailing address, e‐mail address associated with your Account (if you have one); (2) the name, telephone number, mailing address and e‐mail address of your counsel, if any; and (3) a description of your Dispute.

Waiver of Jury Trial. YOU AND ETHOS ESTATE PLANNING HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and Ethos are instead electing that all Disputes shall be resolved by arbitration under this Arbitration Agreement, except as specified in the Section titled “Applicability of Arbitration Agreement”. There is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

Waiver of Class and Other Non-Individualized Relief. YOU AND ETHOS ESTATE PLANNING AGREE THAT, EXCEPT AS SPECIFIED IN THE SECTION TITLED “BATCH ARBITRATION”, EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE PARTIES HEREBY WAIVE ALL RIGHTS TO HAVE ANY DISPUTE BE BROUGHT, HEARD, ADMINISTERED, RESOLVED, OR ARBITRATED ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. Subject to this Arbitration Agreement, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by the party’s individual claim. Nothing in this paragraph is intended to, nor shall it, affect the terms and conditions under the Section titled “Batch Arbitration”. Notwithstanding anything to the contrary in this Arbitration Agreement, if a court decides by means of a final decision, not subject to any further appeal or recourse, that the limitations of this section are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and Ethos agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated in the state or federal courts located in the State of Texas. All other Disputes shall be arbitrated or litigated in small claims court. This section does not prevent you or Ethos from participating in a class-wide settlement of claims.

Rules and Forum. These Terms evidence a transaction involving interstate commerce; and notwithstanding any other provision herein with respect to the applicable substantive law, the Federal Arbitration Act, 9 U.S.C. § 1 et seq., will govern the interpretation and enforcement of this Arbitration Agreement and any arbitration proceedings. If the Informal Dispute Resolution process described above does not resolve satisfactorily within sixty (60) days after receipt of your Notice, you and Ethos agree that either party shall have the right to finally resolve the Dispute through binding arbitration. The arbitration will be administered by the National Arbitration and Mediation (“NAM”), in accordance with NAM’s Standard Rules and Procedures (the “NAM Rules”) then in effect, except as modified by this section of this Arbitration Agreement. NAM Rules are currently available at https://www.namadr.com/content/uploads/2020/04/RULES-STANDARD.pdf

A party who wishes to initiate arbitration must provide the other party with a request for arbitration (the “Request”). A Request to Ethos should be sent either by mail to 1606 Headway Circle, #9013, Austin, TX 78754 or by email to legal@getethos.com. A Request to you will be sent to your email address or regular address associated with your Ethos Account. The Request must include: (1) the name, telephone number, mailing address, e‐mail address of the party seeking arbitration and the account username (if applicable) as well as the email address associated with any applicable Account; (2) a statement of the legal claims being asserted and the factual bases of those claims; (3) a description of the remedy sought and an accurate, good‐faith calculation of the amount in controversy in United States dollars; (4) a statement certifying completion of the Informal Dispute Resolution process as described above; and (5) evidence that the requesting party has paid any necessary filing fees in connection with such arbitration.

All parties agree that Requests are of a “substantially similar nature” if they arise out of or relate to the same event or factual scenario and raise the same or similar legal issues and seek the same or similar relief. To the extent the parties disagree on the application of the Batch Arbitration process, the disagreeing party shall advise NAM, and NAM shall appoint a sole standing arbitrator to determine the applicability of the Batch Arbitration process (“Administrative Arbitrator”). In an effort to expedite resolution of any such dispute by the Administrative Arbitrator, the parties agree the Administrative Arbitrator may set forth such procedures as are necessary to resolve any disputes promptly. The Administrative Arbitrator’s fees shall be paid by Ethos.

30-Day Right to Opt Out. You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to: 1606 Headway Cir, #9013, Attn: Legal Department, Austin, TX 78754, within thirty (30) days after first becoming subject to this Arbitration Agreement. Your notice must include your name and address, the email address associated with your Ethos Account (or if no email address is associated with your account, any valid email address where you can be contacted), and an unequivocal statement that you want to opt out of this Arbitration Agreement. If you opt out of this Arbitration Agreement, all other parts of these Terms will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

Invalidity, Expiration. Except as provided in Section titled “Waiver of Class or Other Non-Individualized Relief”, if any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Arbitration Agreement shall continue in full force and effect. You further agree that any Dispute that you have with Ethos as detailed in this Arbitration Agreement must be initiated via arbitration within the applicable statute of limitation for that claim or controversy, or it will be forever time barred. Likewise, you agree that all applicable statutes of limitation will apply to such arbitration in the same manner as those statutes of limitation would apply in the applicable court of competent jurisdiction.

Modification. You and we agree that Ethos retains the right to modify this Arbitration Agreement in the future. Any such changes will be posted at www.ethoslife.com/terms and you should check for updates regularly. Unless you reject the change within thirty (30) days of such change becoming effective by writing to Ethos at 1606 Headway Cir, #9013, Attn: Legal Department, Austin, TX 78754, your continued use of the Service or the Terms, including the acceptance of products and services offered on the Service following the posting of changes to this Arbitration Agreement constitutes your acceptance of any such changes. Changes to this Arbitration Agreement do not provide you with a new opportunity to opt out of the Arbitration Agreement if you have previously agreed to a version of these Terms and did not validly opt out of arbitration. If you reject any change or update to this Arbitration Agreement, and you were bound by an existing agreement to arbitrate Disputes arising out of or relating in any way to your access to or use of the Service, any communications you receive, any products sold or distributed through the Service or these Terms, the provisions of this Arbitration Agreement as of the date you first accepted this Agreement (or accepted any subsequent changes to these Terms) remain in full force and effect. Ethos will continue to honor any valid opt outs of the Arbitration Agreement that you made to a prior version of these Terms.

Governing Courts To the extent that the Dispute is not covered by any arbitration agreement between you and us, it shall proceed before the state or federal courts located in the State of Texas (except for small claims court actions which may be brought in the county where you reside).

Changes to These Terms

We may make changes to these Terms from time to time. If we make changes, we will provide you notice by posting the amended Terms at www.ethoslife.com/terms and updating the “Effective Date” listed below. We may also attempt to notify you by sending an email notification to the address associated with your Ethos Account or by providing notice through our Services. Unless we say otherwise in our notice of changes, the amended Terms will be effective immediately and your continued access to and use of our Services after we provide notice will confirm your acceptance of the changes. If you do not agree to the amended Terms, you must stop accessing and using our Services.

Termination

We reserve the right, without notice and in our sole discretion, to terminate your right to access or use our Services at any time. Without limiting the foregoing, we may, in our sole discretion and without liability to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, any portion of our Services. We are not responsible for any loss or harm related to your inability to access or use our Services.

Export Compliance

The Services are only intended for use by persons located in the United States. If you choose to access the Services from outside the United States, you do so at your own risk and you are responsible for compliance with all local laws. Additionally, all or part of our Services may be subject to U.S. export control and economic sanctions laws (“Export Controls”). You agree to abide by all Export Controls as they relate to your access and use of our Services.

Apple Requirements

If you downloaded the Services from the Apple App Store, the following terms also apply to you:

Acknowledgement: You acknowledge that this Agreement is between you and Ethos Estate Planning only, and not with Apple. Ethos Estate Planning, not Apple, is solely responsible for the Services and the content thereof.
Scope of License: The license granted to you for the Services is a limited, non-transferable license to use the Services on a Mac product that you own or control and as permitted by the Usage Rules set forth in the terms of service applicable to the AppleApp Store.
Maintenance and Support: Ethos Estate Planning and not Apple is solely responsible for providing any maintenance and support services, for which additional fees may apply, with respect to the Services. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Services.
Warranty: Ethos Estate Planning is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Services to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Services to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Services, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Ethos Estate Planning’s sole responsibility.
Product Claims: Ethos Estate Planning, not Apple, is responsible for addressing any user or third party claims relating to the Services or the user’s possession and/or use of the Services, including, but not limited to: (a) product liability claims; (b) any claim that the Services fail to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation.
Intellectual Property Rights: You acknowledge that, in the event of any third party claim that the Services or your possession and use of the Services infringes that third party’s intellectual property rights, Ethos Estate Planning, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.
Legal Compliance: You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
Developer Contact Info: Direct any questions, complaints or claims by mail to: Ethos Estate Planning, LLC, 1606 Headway Cir., #9013, Austin, TX 78754, or by email: legal@getethos.com
Third Party Terms of Agreement: You must comply with any applicable third party terms of agreement when using the Services.
Third Party Beneficiary: You acknowledge and agree that Apple and Apple’s subsidiaries are third party beneficiaries of this Agreement, and that, upon your acceptance of the terms and conditions of the Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third party beneficiary thereof.

North Carolina Customers

The following provisions are applicable to North Carolina residents:

You may contact us to request blank templates of an Estate Planning Document prior to finalizing your purchase of the applicable document.
The disclaimers of warranties and limitations of liability set forth herein will not apply to you.
These Terms will not be construed to limit your recovery of damages or other remedies.
These Terms will not be construed to require you to agree to jurisdiction or venue in any state other than North Carolina for resolution of disputes between you and Ethos Estate Planning.

Anti-Money Laundering (AML)

We strive to monitor, detect, and prevent transactions that may involve fraud, money laundering, terrorist financing, or other illegal activity and to report applicable situations as may be required by law. We reserve the right to deny Service to anyone where we have a reasonable suspicion of violations of any applicable law.

Miscellaneous

These Terms constitute the entire agreement between you and Ethos Estate Planning relating to your access to and use of our Services. The section titles in these Terms are for convenience only and have no legal or contractual effect. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third party beneficiary rights upon any other person or entity.

You agree that these are the Terms for your use of the Services, and you have not entered into any other agreement related to your use of the Services. If we waive or fail to enforce any of the Terms, it doesn’t waive our right to enforce the Terms against you or someone else in the future. You may not assign any rights granted by the Terms to any third party, and any attempt to do so will be null and void. Ethos Estate Planning may assign the Terms to any affiliate, subsidiary, or any acquirer of substantially all of the assets or capital securities of Ethos Estate Planning.

If any provision or part of a provision of these Terms is unlawful, void or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions, and the remaining provisions of the Terms will remain in full effect, and we will substitute a replacement enforceable term reflecting our intent as closely as possible.

Please click here to view the previous version of our Terms of Service.

Effective Date: August 6, 2024