Explore Future Proof Plans Refund & Returns Policies for personal-end users & commercial-end users.
Refund & Returns Policy – Personal End Users
Future Proof Plans offers personal-end users, purchasers, of the Essential Estate Plan & Complete Estate Plan a complimentary 14-Day Money-Back Guarantee. If you’re not completely satisfied for any reason, whether you don’t finish or don’t love the results, contact us within 14 days of purchase for a full refund.
Refund & Returns Policy – Commercial End Users
These General Terms of Service (“General Terms”), cover you as commercial-end user of documents (hereinafter referred to as “you” or “your”) including your use and access to the products, services, software, platform and websites, including the document generation questionnaire on the Gavel software platform (hereinafter “Future Proof Plans Workflow”) (collectively, “Services”) provided by Future Proof Plans. By using our Services, which includes entering information, creating documents, uploading and downloading content, clicking on links, browsing, etc., you agree to be bound by these General Terms as well as our Privacy Policy. If you are using our Services as the employee or agent of an organization, you are agreeing to these Terms on behalf of that organization. If you are using our Services as the agent or representative of an individual who provides information to Future Proof Plans for delivering documents, you are agreeing to these Terms on behalf of that individual.
Future Proof Plans is a document generation system designed to help you create, fund, administer and settle estate planning documents. Future Proof Plans utilizes an automated system that guides you through the preparation of estate plan documents.
Price
Future Proof Plans provides a platform for estate planning documents, information and self-help. Our Services do not include legal advice or constitute any attorney client relationship. The information provided by Future Proof Plans along with the content of our Service related to estate planning documents is provided for End User’s private use and does not constitute legal advice (“Legal Information”). End User is the individual for whom personally identifiable information is provided, or the individual which the personally identifiable information is provided by, which is required to deliver estate planning documents (“End User”). We do not review any information you or End User provide us for legal accuracy or sufficiency, drawing legal conclusions, providing opinions about You or End User’s selection of forms, or apply the law to the facts of End User’s situation.
If you or End User need legal advice for a specific problem, you should consult with a licensed attorney or inform End User to consult with a licensed attorney. Legal Information provided by Future Proof Plans through its Service is not a substitute for legal advice from a qualified attorney licensed to practice in an appropriate jurisdiction. If you or End User consult with Future Proof Plans or an attorney affiliated with Future Proof Plans, the communications between you or End User and the attorney who answers questions may not be protected as privileged communications under the attorney-client privilege or work product doctrine.
For the sake of clarity, your use of the Services does not create an attorney-client relationship between you and Future Proof Plans or between End User and Future Proof Plans, or between you or End User and any Future Proof Plans subsidiary, affiliate, employee or representative, unless you specifically enter into representation and an engagement agreement for attorney legal advice. Unless you are otherwise represented by an attorney, you represent yourself in any legal matter you undertake through our Services.
End User is solely responsible for the execution of the documents provided. Upon delivery of the estate plan documents prepared in the Future Proof Plans Workflow, You and End User agree that the documents provided are based solely on the inputs made in the Future Proof Plans Workflow and that no legal advice is provided to you or the End User. You agree to sufficiently inform End User of the same and You agree that End User will not have any direct contact with an attorney or be provided with legal advice.
Fees and Payment
Pay-per-use
You shall pay Future Proof Plans for each use of the Services at the rates advertised on the Platform at the time of use. Future Proof Plans reserves the right to modify the advertised rates at any time, provided that You will be notified of any rate changes prior to incurring charges for Pay-per-use Services. Your continued use of the Pay-per-use Services following notification of a rate change constitutes Your acceptance of the new rates. Future Proof Plans will track Your usage of the Pay-per-use Services and will provide You with a detailed record of such usage in each Invoice.
Monthly Subscription
If You elect to subscribe to a Monthly Subscription, You agree to pay the Subscription Rate for the applicable subscription tier. The Subscription Rate will be billed automatically to Your designated payment method on a monthly basis, commencing on the Effective Date of Your subscription and continuing until terminated in accordance with the Agreement. “Effective Date” means the date on which You first complete the subscription process and gain access to the Services under a valid Monthly Subscription. You are responsible for ensuring that Your payment information is current and accurate. Failure to pay the Subscription Rate may result in suspension or termination of Your access to the Services. Future Proof Plans reserves the right to modify the Subscription Rate upon thirty (30) days’ prior written notice to You. Your continued use of the Services after the effective date of a Subscription Rate change constitutes Your acceptance of the new Subscription Rate.
Each Monthly Subscription is licensed on a per-advisor or per-professional basis. A separate subscription is required for each individual advisor or professional within a firm who accesses or utilizes the Services. Shared, group, or pooled use under a single subscription is strictly prohibited.
Lifetime Purchase
Future Proof Plans may offer a Lifetime Purchase option for certain Services, which provides You with access to such Services for the lifetime of the Platform, subject to the terms and conditions of the Agreement. The Lifetime Purchase Fee is non-refundable, except as otherwise provided in the Agreement or required by applicable law. The Lifetime Purchase option may require a separate Monthly Subscription for continued access to certain features or updates. Future Proof Plans reserves the right to discontinue the Lifetime Purchase option at any time, provided that You will continue to have access to the Services for which You have paid the Lifetime Purchase Fee for the duration of the Platform’s availability.
Invoicing and Payment Terms
Future Proof Plans will provide You with an Invoice for all Fees incurred under the Agreement, including Pay-per-use charges, Subscription Rates, and any other applicable Fees. Invoices will be delivered to You electronically via email or through the Platform. Payment is due upon receipt of the Invoice, unless otherwise specified in the Invoice. You agree to pay all Fees in U.S. dollars or such other currency as specified by Future Proof Plans. Late payments may be subject to interest at a rate of one and one-half percent (1.5%) per month, or the highest rate permitted by applicable law, whichever is lower, from the date the payment was originally due until paid in full. You are responsible for all costs and expenses incurred by Future Proof Plans in connection with the collection of overdue payments, including reasonable attorneys’ fees.
Price Changes
Future Proof Plans reserves the right to change the Pricing Terms for the Services at any time, provided that You will be given reasonable prior notice of any such changes. Notice of Price Changes may be provided via email, through the Platform, or by other means deemed appropriate by Future Proof Plans. Your continued use of the Services after the effective date of a Price Change constitutes Your acceptance of the new Pricing Terms. If You do not agree to the new Pricing Terms, You may terminate the Agreement at any time by written notice to Future Proof Plans.
Lifetime Term Grant
Subject to the terms and conditions of this Agreement, Future Proof Plans grants to You a non-exclusive, non-transferable, limited license to access and use the Software Platform. This grant is specifically for the Permitted Use and is contingent upon Your compliance with all provisions outlined in this Agreement. The scope of this grant does not extend to any rights not expressly granted herein, and Future Proof Plans reserves all rights not explicitly transferred to You.
The term “Lifetime Purchase” as used in this Agreement signifies that You shall have Access to the Software Platform for as long as Future Proof Plans continues to commercially offer and support the Software Platform. Future Proof Plans makes no guarantees regarding the longevity of the Software Platform but commits to providing Access for a commercially reasonable duration. In the event that Future Proof Plans discontinues the Software Platform, it will provide You with a commercially reasonable alternative or a refund, the specifics of which will be determined at Future Proof Plans’ sole discretion.
Internal Use Only
Your Access to the Software Platform is strictly limited to Internal Use. This means that the Software Platform may only be used for Your internal business operations and workflows. Any use of the Software Platform for external purposes, including but not limited to providing services to third parties, is expressly prohibited unless explicitly authorized in a separate written agreement with Future Proof Plans. This restriction ensures that the value and integrity of the Software Platform are maintained and that its use aligns with the intended scope of this Agreement.
No Resale or Sublicense
You are expressly prohibited from engaging in any Resale or Sublicense of the Software Platform, Workflows, Templates, or Content provided under this Agreement. This restriction is absolute, and any attempt to Resell or Sublicense will constitute a material breach of this Agreement, potentially leading to immediate Revocation of Access and other Remedies available to Future Proof Plans under this Agreement and applicable law. You acknowledge that the Lifetime Purchase granted to You is solely for Your Internal Use and does not extend to any form of distribution or licensing to third parties.
5. 2 No Commercial Redistribution You are strictly forbidden from any Commercial Redistribution of the Software Platform, Workflows, Templates, or Content. Commercial Redistribution includes, but is not limited to, offering the Software Platform or its components as part of a B2B service, incorporating it into another product for commercial sale, or otherwise making it available to third parties for commercial purposes. This prohibition is designed to protect the Intellectual Property rights of Future Proof Plans and to prevent unauthorized commercial exploitation of the Software Platform. Any violation of this section will be considered a Material Breach of this Agreement, subject to the Breach and Remedies provisions outlined herein.
Prohibited Manipulation and Repackaging
You are prohibited from any Modification, manipulation, or repackaging of the Software Platform, Workflows, Templates, or Content for the purpose of creating a Competing Service or otherwise undermining the value and integrity of the Software Platform. This includes, but is not limited to, reverse engineering, decompiling, or disassembling the Software Platform, as well as altering or modifying the Workflows, Templates, or Content in a manner that infringes upon the Intellectual Property rights of Future Proof Plans. Any such activity will be deemed a Material Breach of this Agreement, entitling Future Proof Plans to pursue all available Legal Enforcement options, including injunctive relief and monetary damages. You acknowledge that the Software Platform is provided for Your Internal Use only, and any attempt to create a Competing Service or otherwise commercially exploit the Software Platform beyond the scope of the Permitted Use is strictly prohibited.
Permitted Use
You shall utilize the Software Platform and Workflow System solely for direct-to-consumer (B2C) sales. This Permitted Use expressly excludes any business-to-business (B2B) transactions, resale, or commercial redistribution of the Software Platform, Workflows, Templates, or Content. You are authorized to employ the Software Platform to facilitate sales directly to End Users and Consumers, ensuring that all transactions are conducted on a B2C basis. Any deviation from this B2C model constitutes a Breach of this Agreement and may result in Remedies as outlined herein.
Provision of Services to Individual End Users
In addition to direct sales, You are permitted to use the Software Platform to provide services directly to individual End Users and Consumers. This includes utilizing the Workflows and Templates to deliver personalized services, support, or consultations. The provision of services must be rendered directly to individual End Users and Consumers, and not to other businesses or entities. You shall ensure that all services provided through the Software Platform are compliant with applicable laws and regulations, and that they adhere to the terms and conditions set forth in this Agreement. Any use of the Software Platform to provide services to businesses or for commercial redistribution is strictly prohibited.
Compliance with Consumer-Facing Use
You agree to ensure that all use of the Software Platform complies with its intended consumer-facing purpose. This includes maintaining a user experience that is tailored to individual End Users and Consumers, and avoiding any practices that could be construed as commercial redistribution or B2B transactions. You shall implement reasonable measures to prevent unauthorized access or use of the Software Platform by businesses or other entities. Furthermore, You shall promptly address any issues or concerns raised by End Users or Consumers regarding the use of the Software Platform. Compliance with this consumer-facing use provision is essential to maintaining the integrity of the Lifetime Purchase and ensuring that the Software Platform is used in accordance with the terms of this Agreement.
Breach and Remedies
Material Breach
A “Material Breach” of this Agreement shall include, but not be limited to: (a) Any attempt by You to Resale, Sublicense, engage in Commercial Redistribution, or otherwise violate the Use Restrictions. (b) Any Prohibited Use of the Software Platform that competes with Future Proof Plans or otherwise harms its business interests. (c) Any Modification of the Software Platform without the express written consent of Future Proof Plans. (d) Any violation of the Permitted Use provisions, including use for B2B purposes. (e) Any infringement of Future Proof Plans’ Intellectual Property rights.
Revocation of Access
In the event of a Material Breach by You, Future Proof Plans shall have the right, at its sole discretion, to immediately revoke Your Access to the Software Platform. Future Proof Plans will provide written notice of such Revocation, specifying the nature of the Material Breach. You shall cease all use of the Software Platform upon receipt of such notice. Revocation of Access does not waive any other Remedies available to Future Proof Plans under this Agreement or applicable law.
Legal Enforcement
Future Proof Plans reserves the right to pursue Legal Enforcement of this Agreement to the fullest extent permitted by law. This may include, but is not limited to, injunctive relief, monetary damages, and specific performance. You shall be responsible for all costs and expenses incurred by Future Proof Plans in connection with such Legal Enforcement, including reasonable attorneys’ fees. The remedies available to Future Proof Plans under this Agreement are cumulative and not exclusive of any other remedies available at law or in equity.
Governing Law
All document templates are prepared in accordance with the laws of the State of South Carolina and have been approved by a South Carolina attorney. Future Proof Plans does not provide legal opinions or representations regarding the compliance of these documents with the laws of any jurisdiction other than South Carolina. Furthermore, Future Proof Plans makes no representation or warranty concerning the recognition or admissibility of the documents in jurisdictions outside of South Carolina.
The End User acknowledges and agrees that it is their sole responsibility to ensure that any documents or services provided by Future Proof Plans are recognized and deemed valid in any other jurisdiction in which they intend to use them.
Future Proof Plans Compensation / Ownership and Preservation of Your Documents
Future Proof Plans is compensated for the preparation and establishment of documents. These services include: facilitating payment for documents, document production, and customer service and relationship management, etc. Future Proof Plans does not provide or ensure document storage and it is the responsibility of You or End User to securely store documents prepared by Future Proof Plans. End User documents are their own. Future Proof Plans claims no ownership or interest in the documents creates Future Proof Plans Workflow.
Expectations Regarding Workflow Users
You are solely responsible for your interactions with the Services, including where you share access to your documents, either via the features available in the Services, or by sharing your account information. You may only input information into Future Proof Plans Workflow on behalf of yourself, or an individual who has given explicit permission to enter the information and designations on their behalf (“Separate Individual”). If You or Separate Individual use a Future Proof Plans Workflow on behalf of a Separate Individual, You represent that You have permission to enter the information and designations on behalf of Separate Individual with their explicit permission and at their exact direction.
Future Proof Plans Services are intended for use by the individual named in the estate plan, and are not liable or responsible for improper use of the website or Services. The legal enforceability of the estate planning documents may be undermined by the unsanctioned creation of documents by a third party, and Future Proof Plans disclaims any and all liability with regard to such unsanctioned use of the Site or Services. You delegate the responsibility of creating estate planning documents at your own risk.
Document Format, Modifications, and User Responsibility
Future Proof Plans provides document automation services that may generate estate planning, business, or other legal documents in editable formats, including but not limited to Microsoft Word (.docx). These documents are generated based on inputs provided by the user or advisor, using decision-tree logic and pre-coded templates designed for general legal compliance in applicable jurisdictions.
You acknowledge and agree that once documents are generated in Word format or any other editable format, any manual changes, alterations, deletions, or additions made to the documents outside of the Future Proof Plans platform may render the documents legally invalid, noncompliant, or unenforceable. Future Proof Plans does not review, approve, or guarantee the legal efficacy of any content altered post-generation.
For North Carolina clients:
Watermarked blank document templates are available upon request.
Please write to us at 460 King St. STE 200 Charleston SC 29403 to request a copy of the document template. Please specify which document template you are requesting. Additionally, you can contact us regarding any customer satisfaction concerns you have. Simply send an email to [email protected] and let us know about your questions or concerns.
Disclaimer
Future Proof Plans is provided on an AS IS basis. Every attempt has been made to ensure all content, software, products and services available through Future Proof Plans are accurate, current and up-to-date and free from error. Unfortunately, we cannot guarantee that such is the case. The website may include inaccuracies or typographical errors. In short, your use of Future Proof Plans Services is at your own risk. This provision is not intended to disclaim liability for any intentional or grossly negligent conduct by Future Proof Plans.
No Legal Services Provided
Future Proof Plans is not a lawyer or law firm and does not provide any legal services. You agree that Future Proof Plans is not responsible for any actions, omissions, or advice of any kind provided by an attorney. By using the Services (including, without limitation, our forms) you are not accessing or receiving any attorney services or legal, tax, or accounting advice.
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 properly execute 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 properly execute 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.
Termination of Service
Future Proof Plans reserves the right, in its sole discretion, to downgrade, modify, discontinue or terminate any or all Services offered by Future Proof Plans at any time with or without notice. You agree that Future Proof Plans will not be liable to you or to any third party for any modification, suspension or discontinuance of Future Proof Plans.
Severability
Should any part of this agreement be rendered or declared invalid, such invalidation of such part or portion of this agreement shall not invalidate the remaining portions thereof, and they shall remain in full force and effect.
Waiver
End User waives, releases and discharges Future Proof Plans and its agents, employees, officers, directors, shareholders, successors and assigns from any and all claims, demands, causes of action, losses, liabilities, costs and expenses (including, without limitation, attorney’s fees) in connection with, arising out of, or related to the performance of services by you, advisor or agent in connection with this agreement.
Intellectual Property Rights / Restrictions
Any use of Future Proof Plans other than as specifically authorized herein is strictly prohibited. The content, Future Proof Plans Workflow, and template coded documents are all the property of Future Proof Plans. You agree not to copy, modify, create, create a derivative work, reverse engineer, re-assemble, or otherwise attempt to discover any source code, nor to sell, assign, sublicense, or otherwise transfer any right in the software or content contained in Future Proof Plans, nor will you utilize Future Proof Plans Services in any way for the creation of an automated system or website, nor will you allow or assist a third party to do so. The rights granted under these Terms are granted to you only.
General
Taken together these terms constitute the entire agreement between You and Future Proof Plans. You may not transfer your rights or obligations contained within these documents, taken collectively or individually, without Future Proof Plans ‘s consent. Future Proof Plans ‘s rights or obligations contained within these documents may be transferred by Future Proof Plans to someone else. Any rights not expressly granted by these documents to others remain the rights of Future Proof Plans.
Privacy Policy
BY ACCESSING THE FUTURE FOCUSED PLANS WEBSITE, AND WORKFLOWS OR WORKFLOW QUESTIONNAIRE ON THE GAVEL SOFTWARE PLATFORM, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS WEBSITE, QUESTIONNAIRE ON GAVEL SOFTWARE PLATFORM, OR ANY PAGES THEREOF.
Protecting the privacy of your information is essential to how Future Proof Plans works. We do our very best to make sure your information is secure and private. This statement outlines the collection and usage of the information you submit to Future Proof Plans. By using Future Proof Plans, you consent to the privacy practices described herein; click here to review our full privacy policy.
Collection and Use of Your Personal Information
Future Proof Plans collects and stores the personally identifiable information required to deliver estate planning services to an individual who provides information to Future Proof Plans for delivering documents. We use End User’s personal information to create End User’s estate planning documents. Future Proof Plans may disclose personal information to third parties if End User has requested or authorized the disclosure of such personal information via acceptance of these Terms of Use. Unless End User specifies otherwise, End User’s personal information will be shared with the financial advisor or other third party through which End User is using Future Proof Plans Services.
Future Proof Plans will, if required by law, disclose End User’s personal information to comply with legal process served upon Future Proof Plans, protect and defend Future Proof Plans or to protect the personal safety of other Future Proof Plans users or the general public.
Future Proof Plans may collect information regarding the software and hardware systems of your personal computing devices. We may collect time of usage and access, where you were referred from, what browser you use, and your IP address. This information is used by Future Proof Plans for the operation of the service, to maintain or improve the quality of the service, analyze trends and understand more clearly the way the website is used.
Mobile device identification information.
When you connect to Future Proof Plans on your internet-enabled mobile device, if your service provider uniquely identifies the device, Future Proof Plans will receive this information. Future Proof Plans may use your unique mobile device identification information to offer you extended services and/or functionality. Certain services may require our collection from you of the number for your mobile device. Additionally, through the use of your mobile device, we may collect your phone number and/or name. We may associate that information to the mobile device identification information and other information we have collected from and about you.
Electronic Communications
We may receive a confirmation when you open or click on content in an email from us, which helps us make our communications to you more useful and interesting.
Use of Cookies
Future Proof Plans uses cookies to personalize your online experience and save you time. Cookies record and store information so that when you return to Future Proof Plans your data can be seamlessly retrieved. You have the ability to accept or decline cookies. If you choose to decline cookies, many of Future Proof Plans ‘s interactive features may not function as designed. Read more about our cookies policy by clicking here.