TERMS AND CONDITIONS

1. Acceptance of Terms & Electronic Consent

You agree that your electronic acceptance of these Terms constitutes a legally binding agreement under the U.S. Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”). These Terms apply to all users, including visitors and paid subscribers.

2. Eligibility & Legal Capacity

You represent and warrant that:

• You are at least eighteen (18) years old
• You have the legal capacity to enter into a binding agreement
• You are not prohibited from using the Service under applicable law
• You are not using the Service on behalf of another person without proper authority

Feather does not knowingly permit use by minors.

3. Description of the Service

Feather is a personal information organization and legacy-planning support tool that allows users to store, organize, and share personal, family, and legacy-related information with individuals designated by the user (“Trusted Contacts, ” “Delegates, ” or similar).

Feather provides organizational and informational tools only. Feather does not:

• Act as an estate plan, fiduciary, trustee, or executor
• Provide legal, financial, tax, or estate-planning advice
• Verify the accuracy, legality, or enforceability of user-provided information

Feather is not a custodian, escrow agent, trustee, bailee, or safekeeping institution. The Service is an informational storage platform only and does not create any heightened duty of care or safekeeping obligation beyond those expressly stated in these Terms.

The Service is not intended to serve as an authoritative record, legal repository, or definitive statement of your intentions. In the event of any conflict between information stored in the Service and legally executed documents, the legally executed documents shall control.

Feather has no obligation to monitor for, detect, confirm, or respond to a user’s death or incapacity, and shall not be liable for any failure to take action based on such events.

4. No Legal, Financial, or Fiduciary Relationship

IMPORTANT DISCLAIMER

Nothing on the Service constitutes legal, financial, tax, investment, or estate-planning advice. Your use of Feather does not create an attorney-client relationship, fiduciary relationship, advisory relationship, or any special duty of care.

You expressly acknowledge that:

• Information stored in Feather may not be legally valid or enforceable
• Laws vary by jurisdiction and change over time
• You are solely responsible for consulting qualified professionals regarding your legal, financial, or estate matters
• You will not rely on Feather as a substitute for legally executed documents or professional advice

You acknowledge that you are not relying on any representations, statements, or promises not expressly set forth in these Terms.

Feather does not provide insurance coverage for stored assets, digital information, or financial loss.

5. User Content & Responsibilities

You are solely responsible for all information, data, credentials, and materials you upload, store, or share through the Service (“User Content”).

You represent and warrant that your User Content is accurate, lawful, and does not infringe the rights of others.

License to Feather

You grant Feather a limited, non-exclusive, worldwide, royalty-free license to host, store, encrypt, process, and display your User Content solely to provide and operate the Service.

Feather does not review, verify, or monitor User Content and assumes no responsibility for errors, omissions, or outdated information.

You represent and warrant that you have all necessary rights, permissions, and authority to upload and store any personal, financial, or third-party information in the Service, including information relating to family members, beneficiaries, or other individuals.

You are solely responsible for ensuring that your collection, use, storage, and sharing of any information relating to third parties complies with applicable privacy, data protection, and other laws.

Feather has no responsibility or liability for your handling of third-party information.

6. Trusted Contacts, Delegates & Shared Access Risks

You acknowledge and agree that:

• Granting access to Trusted Contacts is done at your sole discretion and risk
• Feather does not verify death, incapacity, identity, or authority
• Feather is not responsible for misuse, abuse, inaction, disputes, or litigation involving Trusted Contacts
• Feather makes no representation that access granted through the Service will be honored by courts, institutions, or third parties

You are responsible for safeguarding your credentials and permissions.

Feather does not determine, confirm, or adjudicate death, incapacity, incompetence, or legal authority. Any access controls, timing rules, conditional releases, or notifications are based solely on user-defined settings and do not constitute verification or legal determination.

Feather is not responsible for disputes among heirs, beneficiaries, family members, fiduciaries, or other third parties regarding the interpretation, completeness, or use of information stored in the Service.

Feather does not guarantee that notifications, access releases, or communications to Trusted Contacts will be successfully delivered, received, or acted upon.

Feather has no duty to monitor communications, mediate disputes, intervene in family disagreements, verify allegations, or take action regarding conflicts between users and Trusted Contacts.

Feather does not verify or validate any triggering events, including but not limited to death, incapacity, inactivity, or failure to respond to notifications.

Any automated or user-defined triggers (including time delays, inactivity thresholds, or notification-based confirmations) may result in premature, delayed, or unintended access.

Feather does not guarantee that any notifications, alerts, or communications will be sent, delivered, received, reviewed, or acted upon, and shall have no liability for any failure or delay in such communications.

Feather has no obligation to recover, restore, or provide access to accounts or User Content for any individual, including Trusted Contacts, heirs, or representatives, in the event of lost credentials, user death, or incapacity.

Assumption of Risk and Release

You expressly acknowledge and assume all risks associated with granting access to Trusted Contacts, including but not limited to misuse, negligence, fraud, inaction, delay, misinterpretation, or disputes arising from access to your User Content.

To the maximum extent permitted by law, you hereby release and discharge Feather, its officers, directors, employees, contractors, and affiliates from any and all claims, liabilities, damages, losses, or causes of action arising out of or relating to:

• Actions or omissions of Trusted Contacts
• Disputes among heirs, beneficiaries, fiduciaries, or third parties
• Reliance on information stored in the Service
• Access granted based solely on user-defined settings
• Failure of third parties, institutions, or courts to honor access

This release applies whether claims are based in contract, tort (including negligence), statute, equity, or otherwise.

California Residents: You waive California Civil Code Section 1542, which provides:

“A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor. ”

You acknowledge that you understand and expressly waive this provision.

7. Digital Assets & Third-Party Accounts

Feather may allow you to store references or credentials related to third-party services. Feather:

• Is not affiliated with third-party providers
• Does not guarantee access to third-party accounts
• Is not responsible for third-party outages, policy changes, or shutdowns
• Does not ensure stored credentials remain valid or lawful

You acknowledge that sharing credentials may violate third-party terms and assume all associated risks.

Compliance with Digital Asset Laws

Feather does not grant legal authority under the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) or any similar federal, state, or international law governing digital asset access. The Service does not create, replace, or override any legally executed will, trust, power of attorney, or fiduciary appointment.

Users are solely responsible for executing legally valid estate planning documents to ensure lawful access to digital assets.

8. Data Security & Risk Acknowledgment

Feather implements commercially reasonable administrative, technical, and organizational safeguards designed to protect User Content; however, Feather does not guarantee any specific level of security, encryption, or protection against unauthorized access. In particular:

• No system is completely secure
• Data loss, breaches, interception, corruption, or unauthorized access may occur
• Internet transmissions are not guaranteed secure

You acknowledge that the Service may contain highly sensitive personal, financial, or legacy-related information and that you assume all risks associated with storing such information electronically.

To the maximum extent permitted by law, Feather disclaims liability for:

• Unauthorized access not caused by Feather’s gross negligence or willful misconduct
• Data loss, corruption, or interception
• Security incidents caused by third-party providers
• Delays in detection or notification of security incidents

You are solely responsible for maintaining independent backup copies of critical documents and information.

Feather shall not be liable for temporary or permanent suspension of access to the Service resulting from security investigations, mitigation efforts, or compliance with legal obligations.

Feather does not guarantee that User Content will be retained for any minimum period of time and reserves the right to delete data in accordance with its data retention policies and applicable law.

User Content may be stored and processed in the United States or other jurisdictions where Feather or its service providers operate. By using the Service, you consent to such transfer and processing.

9. Privacy Policy & Communications Consent

Your use of the Service is subject to our Privacy Policy, which is incorporated by reference.

You consent to receive electronic communications from Feather related to your account, billing, security, legal notices, and service updates.

Feather may access, preserve, or disclose User Content or account information if required by law, legal process, governmental request, or if reasonably necessary to protect the rights, property, or safety of Feather, its users, or the public.

You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

10. Subscriptions, Billing & California Auto-Renewal Disclosures

Paid Subscription Options

A. Quarterly Subscription

• Price: $14.99 billed every three (3) months
• Auto-Renewal: Yes
• Billing: Charged immediately upon sign-up and every three months thereafter
• Cancellation: Cancel anytime through account settings
• Refunds: Non-refundable except where required by law
• Access After Cancellation: Active through end of current billing period
• Proration: None

B. Lifetime Subscription

• One-time, non-refundable payment
• Starting price: $399
• Limited availability and subject to change

C. Pricing Changes & Notice

• Feather reserves the right, in its sole discretion, to modify, increase, or introduce new pricing, fees, or subscription plans at any time.

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• Any pricing changes will apply prospectively only and will not affect a current billing period already paid for.
• For active subscriptions, Feather will provide advance notice of any price change as required by applicable law, including via email or in-account notification, prior to the renewal at the new price. Continued use of the Service after the effective date of a pricing change constitutes acceptance of the new pricing.
• If you do not agree to a pricing change, your sole and exclusive remedy for dissatisfaction with the Service is to stop using the Service and cancel your subscription before the renewal date.

Lifetime Subscription Pricing

Feather may change the price, availability, or terms of Lifetime Subscriptions at any time. Such changes will not affect Lifetime Subscriptions already purchased.

D. Chargebacks

If you initiate a chargeback or payment dispute in violation of these Terms, Feather reserves the right to suspend or terminate your account and recover reasonable costs incurred in responding to such dispute, including administrative and processing fees.

E. Taxes

You are responsible for any applicable sales, use, value-added, or similar taxes associated with your subscription, excluding taxes based on Feather’s net income.

California Automatic Renewal Law Notice

By purchasing a subscription, you authorize Feather to automatically charge your payment method at the stated intervals until you cancel.

You may cancel at any time via your account settings. Cancellation takes effect at the end of the current billing period.

A confirmation of your purchase and renewal terms will be provided electronically.

Notice of Price Changes

Feather will provide advance notice of any material pricing change at least thirty (30) days prior to renewal, where required by applicable law. If you do not cancel prior to renewal, your payment method will be charged at the updated rate.

11. Lifetime Subscription Clarifications

“Lifetime” refers solely to the commercial and operational lifetime of the Service as determined in Feather’s sole discretion. It does not refer to the lifetime of the user or any specific duration.

Feather makes no representation or guarantee regarding:

• Minimum service duration
• Business continuity
• Future funding or solvency
• Feature availability or retention
• Transferability to successors or heirs

Lifetime subscriptions do not create vested rights, ownership interests, escrow rights, or survivorship benefits.

In the event Feather discontinues the Service, no refunds shall be owed except where required by applicable law.

Feather has no obligation to maintain, migrate, archive, or transfer User Content upon discontinuation of the Service unless required by applicable law.

12. Intellectual Property & Feedback

All content, software, trademarks, and materials associated with Feather are owned by or licensed to the Company.

Any feedback or suggestions you provide may be used by Feather without compensation or obligation.

13. Acceptable Use

You agree not to:

• Use the Service for unlawful purposes
• Upload malicious or harmful code
• Attempt unauthorized access
• Interfere with Service operations
• Impersonate others or misrepresent authority

Feather has sole discretion to determine violations.

14. Account Suspension & Termination

Feather may suspend or terminate accounts, without refund, for:

• Violations of these Terms
• Security or legal risks
• Inactivity or misuse

Upon account termination or deletion, Feather may delete User Content within a commercially reasonable time, subject to backup retention, legal obligations, or dispute preservation requirements.

Inactivity

Feather may terminate accounts due to prolonged inactivity of twenty-four (24) consecutive months or more. Where reasonably practicable, Feather will provide notice prior to deletion.

Following termination or deletion, User Content may be permanently deleted in accordance with Feather’s data retention policies.

Upon termination, Feather is not obligated to provide continued access to User Content unless required by law. Feather may, in its sole discretion, provide a limited opportunity to export data prior to deletion.

Feather has no obligation to preserve User Content for the benefit of any third party following account termination, including in the event of the user’s death or incapacity.

15. Service Modifications & Availability

Feather may modify, suspend, or discontinue any part of the Service at any time. No guarantee of uptime or feature availability is made.

Feather may designate certain features as beta, experimental, or pre-release. Such features are provided “as is” and may be modified or discontinued at any time without liability.

The Service is not intended for use in situations requiring immediate, guaranteed, or fail-safe access to information, and you agree not to rely on the Service for emergency, time-sensitive, or mission-critical purposes.

16. Disclaimers of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE. ”

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FEATHER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, COMPLETENESS, OR RELIABILITY
• UNINTERRUPTED OR ERROR-FREE OPERATION

FEATHER DOES NOT WARRANT THAT THE SERVICE WILL MEET YOUR EXPECTATIONS OR THAT ACCESS GRANTED THROUGH THE SERVICE WILL BE HONORED BY THIRD PARTIES.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FEATHER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• LOSS OF INHERITANCE OR ESTATE VALUE
• LOSS OF DIGITAL ASSETS
• EMOTIONAL DISTRESS
• PROBATE DELAYS
• LOSS OF GOODWILL
• LOSS OF PROFITS OR BUSINESS INTERRUPTION
• THIRD-PARTY REFUSAL TO HONOR ACCESS
• IDENTITY THEFT OR FRAUD
• UNAUTHORIZED DISCLOSURE OF PERSONAL INFORMATION
• DATA BREACHES OR SECURITY INCIDENTS

FEATHER’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO FEATHER IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

NOTHING IN THESE TERMS LIMITS LIABILITY FOR GROSS NEGLIGENCE, FRAUD, OR WILLFUL MISCONDUCT TO THE EXTENT SUCH LIMITATION IS PROHIBITED BY LAW.

Any claim arising out of or relating to the Service must be filed within one (1) year after the claim arose, or such claim is permanently barred to the extent permitted by law.

The limitations of liability set forth in these Terms are a fundamental basis of the bargain between you and Feather and apply regardless of the form of action, whether in contract, tort, strict liability, or otherwise.

18. Indemnification

You agree to indemnify, defend, and hold harmless Feather and its officers, directors, employees, and affiliates from and against any third-party claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your use of the Service
• Your User Content
• Access granted to Trusted Contacts
• Estate or beneficiary disputes
• Your violation of these Terms

This indemnification obligation does not apply to claims arising solely from Feather’s gross negligence or willful misconduct.

Feather reserves the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with such defense.

19. Force Majeure

Feather is not liable for delays or failures beyond its reasonable control.

20. Arbitration Agreement & Class Action Waiver

This Arbitration Agreement shall be governed by the Federal Arbitration Act.

Before initiating arbitration, the parties agree to attempt in good faith to resolve any dispute informally by providing written notice describing the claim and allowing thirty (30) days for resolution.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules.

Delegation

The arbitrator shall have exclusive authority to resolve any dispute regarding the interpretation, enforceability, or applicability of this Arbitration Agreement.

Small Claims Option

Either party may bring an individual claim in small claims court if eligible.

Class Action Waiver

YOU AND FEATHER AGREE THAT ALL CLAIMS SHALL BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

If the Class Action Waiver is found unenforceable, the remaining portions of this Arbitration Agreement shall remain in full force and effect.

Arbitration Fees

Feather will pay arbitration filing fees and arbitrator fees to the extent required by the AAA Consumer Rules.

Batch Arbitration

If twenty-five (25) or more similar claims are filed against Feather by the same or coordinated counsel or are otherwise coordinated, the parties agree that such claims shall be administered in batches of up to fifty (50) claimants per batch, with one arbitrator per batch, and that arbitration fees shall be allocated in accordance with the AAA Consumer Rules as applied to each batch.

If any portion of this Arbitration Agreement is found to be unenforceable, the remaining provisions shall remain in full force and effect, except that if the Class Action Waiver is found unenforceable, this entire Arbitration Agreement shall be null and void.

Notwithstanding the foregoing, either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent actual or threatened misuse of the Service or violation of intellectual property or security rights.

Location

Arbitration shall be conducted virtually or in Riverside County, California, unless otherwise required by law.

Jury Trial Waiver

IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN ARBITRATION, BOTH PARTIES WAIVE ANY RIGHT TO A JURY TRIAL.

Opt-Out

You may opt out of this Arbitration Agreement within thirty (30) days of account creation by emailing written notice to support@myfeatherapp.com including your full name, account email, and a clear statement of intent to opt out.

This Arbitration Agreement survives termination of your account.

21. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

22. Assignment

You may not assign these Terms. Feather may assign freely.

In the event of a merger, acquisition, restructuring, or sale of assets, User Content and account information may be transferred as part of the transaction, subject to applicable law.

These Terms are personal to you and do not create transferable rights in beneficiaries, heirs, or successors, except as required by law.

23. No Third-Party Beneficiaries

No third party, including but not limited to heirs, beneficiaries, executors, administrators, trustees, fiduciaries, or Trusted Contacts, shall have any right to rely upon the Service or assert any claim against Feather, whether directly or indirectly, arising out of or relating to User Content, access permissions, or the operation of the Service.

Any such parties are expressly deemed incidental beneficiaries with no enforceable rights.

24. Electronic Access Risk

You are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account. Feather is not liable for any loss or damage arising from unauthorized use of your account unless caused by Feather’s gross negligence or willful misconduct.

25. Severability

If any provision is unenforceable, the remainder shall remain in effect.

26. Survival

Sections relating to disclaimers, limitation of liability, indemnification, arbitration, governing law, and intellectual property survive termination.

27. Changes to Terms

Feather may update these Terms at any time. Continued use constitutes acceptance.

If Feather makes material changes to these Terms, Feather will provide reasonable advance notice via email, in-app notification, or other appropriate means. Continued use of the Service after the effective date of such changes constitutes acceptance of the revised Terms.

28. Contact Information

Tonntowin Investment Group, LLC d/b/a Feather

Email: support@myfeatherapp.com

Address: 43200 Business Park Dr, Temecula, CA 92590

29. Export Control & Sanctions

You represent and warrant that:

• You are not located in, or a resident of, any country subject to U.S. government embargo
• You are not listed on any U.S. government sanctions or prohibited party list
• You will not use the Service in violation of export control laws

Feather may suspend or terminate accounts that violate applicable export laws.

30. Copyright Policy

Feather respects intellectual property rights. If you believe that content stored in the Service infringes your copyright, you may submit a written notice including:

• Identification of the copyrighted work
• Identification of the allegedly infringing material
• Your contact information
• A statement of good faith belief
• A statement under penalty of perjury that the information is accurate

Notices may be sent to: support@myfeatherapp.com

Feather may remove or disable access to allegedly infringing content.

31. Data Privacy & Regulatory Status

Feather processes personal information in accordance with its Privacy Policy and applicable data protection laws, including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

For purposes of applicable law, Feather acts as a service provider or processor of User Content, and you are the party determining the purposes and means of processing such information.

Feather is not a “covered entity” or “business associate” under the Health Insurance Portability and Accountability Act (HIPAA), and the Service is not intended for the storage of protected health information (PHI).

Feather is not a financial institution subject to the Gramm-Leach-Bliley Act (GLBA), and the Service is not intended to serve as a regulated financial recordkeeping system.

You agree not to upload or store regulated data subject to specific legal regimes unless you have independently determined that doing so complies with applicable law.

32. Automated Processing & Feature Limitations

The Service may include automated tools, algorithms, or features designed to assist with organization, categorization, or presentation of User Content.

Such features may produce inaccurate, incomplete, or misleading results. Feather makes no representations regarding the accuracy or reliability of any automated outputs.

You are solely responsible for reviewing and verifying all information.

33. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Feather regarding the Service and supersede all prior or contemporaneous agreements, communications, or understandings, whether written or oral.

34. Waiver

Feather’s failure to enforce any provision of these Terms shall not be deemed a waiver of such provision or of the right to enforce it in the future.