Terms of Service

Last Updated: March 25, 2026

Quick Summary (please read the full Terms below)

  • Subscriptions: We offer monthly and annual plans with free trials (14 days for standard users, 30 days for professionals). You can cancel at any time — no long-term commitment required.
  • Not Legal Advice: We are not a law firm. Our tools are for informational purposes only — no attorney-client relationship is created.
  • AI Disclaimer: Our AI assistant is powered by OpenAI, Anthropic, OpenRouter, and other providers. AI-generated content may contain errors and may not be protected by attorney-client privilege. You are responsible for reviewing and verifying all outputs.
  • NY Documents: Our estate planning documents are currently designed for New York State only.
  • Third-Party Information: If you enter personal information about other people (beneficiaries, executors, etc.), you are responsible for having their consent.

PLEASE READ THESE TERMS CAREFULLY. BY USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS, INCLUDING THE BINDING ARBITRATION AND CLASS ACTION WAIVER PROVISIONS IN SECTIONS 15 AND 16.

1. Agreement to Terms

By accessing or using the Plan Your Sunset website (planyoursunset.com) and related services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”), our AI-Specific Terms, our Privacy Policy, and our Data Retention Policy. If you are a professional user (attorney or advisor), you also agree to be bound by our Independent Professional Agreement. If you do not agree to these Terms, please do not use our Services. You must be at least 18 years old and legally capable of entering into a binding contract to use our Services.

For convenience, certain terms and disclosures may be repeated across these documents. In the event of any conflict or inconsistency between these documents, the following order of priority applies: (1) AI-Specific Terms (for AI-related matters); (2) Independent Professional Agreement (for professional users); (3) these Terms of Service (for all other matters); (4) Privacy Policy; (5) Data Retention Policy.

Geographic Restriction: Our Services are available exclusively to United States residents and United States citizens, excluding residents of the State of California (see Section 20). By using our Services, you represent and warrant that you are a resident or citizen of the United States and that you are not a resident of California. If you are located outside the United States, you are not authorized to access or use our Services. We do not offer our Services to individuals in the European Union, European Economic Area, United Kingdom, or any other jurisdiction outside of the United States. Our estate planning documents are currently designed for use in the State of New York only.

2. About Plan Your Sunset

Plan Your Sunset is operated by Sunset Life LLC. Our platform provides digital tools, educational resources, and self-help materials to assist individuals with end-of-life planning. Our estate planning document templates have been created and reviewed by licensed New York attorneys. Our platform and AI assistant Larry help you complete these pre-existing templates with the information you provide — you are preparing your own documents using our tools. The final documents depend on the accuracy and completeness of the information you supply. We may also facilitate connections to independent third-party professionals.

3. Important Disclaimer: Not a Law Firm

PLAN YOUR SUNSET IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE.

Our platform offers informational resources and self-help tools only. By using our Services, you acknowledge and agree that:

  • The information and materials provided are general in nature and may not apply to your specific situation.
  • No attorney-client relationship is created between you and Plan Your Sunset.
  • You are solely responsible for determining whether any information or documents are appropriate for your needs.
  • We do not review your documents for legal accuracy, completeness, or compliance with applicable law.

4. Third-Party Professionals

Our platform may connect you with independent attorneys, estate planners, or financial advisors (“Third-Party Professionals”). These professionals are independent contractors. We do not employ, supervise, control, or endorse any Third-Party Professional. Any engagement with a Third-Party Professional creates a separate relationship between you and that professional. We are not liable for their advice or services. Professionals who use the platform are subject to our Independent Professional Agreement, which governs their obligations regarding document review, professional conduct, malpractice insurance, and client disclosures.

5. Artificial Intelligence Tools

Our platform uses artificial intelligence (“AI”) tools, powered by OpenAI, Anthropic, OpenRouter, and other providers, to assist with planning features. Our AI assistant Larry helps you gather information and fill attorney-reviewed document templates — Larry does not independently draft legal documents. For complete terms governing AI features, please also review our AI-Specific Terms, which supplement these Terms.

  • AI Limitations: AI-generated content is provided for informational purposes only. AI tools may produce errors, inaccuracies, or “hallucinations” (content that appears plausible but is factually incorrect). Research indicates that AI systems can produce inaccurate responses at significant rates, particularly when addressing legal topics.
  • Estate Planning Risk: Errors in estate planning documents may not be discovered until a critical moment (such as incapacity or death), at which point correction may be impossible. We strongly recommend having all documents reviewed by a licensed attorney before execution.
  • No Attorney-Client Privilege: Communications with our AI assistant Larry may not be protected by attorney-client privilege. Information you share with Larry may be processed by third-party AI service providers (including OpenAI, Anthropic, and OpenRouter). Do not share information with Larry that you wish to keep privileged.
  • Your Responsibility: You are solely responsible for reviewing and verifying any AI-generated content before relying on it.
  • No Liability: To the maximum extent permitted by law, Plan Your Sunset disclaims liability for any decisions made or actions taken based on AI-generated content.

We reserve the right to impose reasonable usage limits on AI features to ensure fair access for all users and prevent abuse. These limits may include restrictions on conversation volume, message frequency, and document generation rates.

We strongly recommend that all estate planning documents completed with our tools be reviewed by a licensed New York attorney before execution, particularly if you have complex assets, blended families, business interests, or property in multiple states.

6. User Accounts, Content, and Third-Party Information

  • Account Security: You are responsible for maintaining the confidentiality of your account credentials.
  • Your Content: You retain ownership of any content you create (“User Content”). See Section 10C for the license you grant us to provide the Services.
  • Third-Party Information: Our Services may require you to provide personal information about other individuals, such as beneficiaries, executors, guardians, healthcare agents, and family members. By providing such information, you represent and warrant that: (a) you have obtained the necessary consent or authorization from each individual whose information you provide; (b) you have informed those individuals that their data will be stored and processed by Plan Your Sunset, including by third-party AI and service providers as described in our Privacy Policy; and (c) you have directed those individuals to our Privacy Policy. You are solely responsible for ensuring you have the legal authority to provide such information.

7. Cookies and Tracking

Our website and application use cookies for essential site functionality, A/B testing, analytics, and advertising conversion measurement. We use Google Ads cookies solely to measure ad campaign effectiveness. We do not sell or rent cookie data. For full details on how we use cookies, please see Section 7 of our Privacy Policy.

8. Prohibited Activities

You agree not to:

  • Use our Services for any unlawful purpose or in violation of any applicable law;
  • Provide false, inaccurate, or misleading information;
  • Impersonate any person or entity or misrepresent your identity or affiliation;
  • Use automated systems, bots, scrapers, or similar technology to access our Services;
  • Copy, modify, distribute, sell, or lease any part of our Services or content without permission;
  • Reverse engineer, decompile, or disassemble any aspect of our Services;
  • Interfere with or disrupt the integrity or performance of our Services;
  • Attempt to gain unauthorized access to our systems, networks, or other users’ accounts;
  • Use our Services to develop a competing product or service;
  • Use AI features (including Larry) in a manner that exceeds reasonable usage limits or constitutes abuse, including but not limited to automated or bulk requests;
  • Remove, alter, or obscure any proprietary notices or labels on our Services.

9. Account Termination and Suspension

A. Termination by You. You may terminate your account at any time through your account settings or by contacting us at [email protected]. Before termination, we recommend exporting your documents (see Section 23).

B. Termination by Us. We may suspend or terminate your account if: (a) you violate these Terms; (b) you engage in fraudulent or illegal activity; (c) your account has been inactive and you do not respond to our verification attempts; or (d) we are required to do so by law. We will provide reasonable notice before termination where possible.

C. Effects of Termination. Upon termination: (a) your license to use the Services ends immediately; (b) you may request export of your data within 30 days of termination; (c) after 30 days, your data will be removed from active systems in accordance with our Data Retention Policy; (d) any accrued obligations (including payment obligations) survive termination; and (e) the provisions listed in Section 27 (Survival) continue to apply.

D. Suspension. We may temporarily suspend your access to the Services if we reasonably believe your account has been compromised or is being used in violation of these Terms. We will notify you of any suspension and provide an opportunity to remedy the issue.

10. Intellectual Property and License

A. Our Intellectual Property. All content, features, and functionality of our Services — including but not limited to text, graphics, logos, icons, images, software, code, estate planning templates, AI outputs, and the compilation thereof — are and shall remain the exclusive property of Sunset Life LLC or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

B. Limited License to You. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Services for your personal, non-commercial estate planning purposes only. This license does not include the right to: (a) modify, copy, or create derivative works of our Services, templates, or software; (b) reverse engineer, decompile, or disassemble any part of our Services; (c) sell, resell, license, or commercially exploit our Services or content; or (d) use our Services to build a competing product or service.

C. Your Content License to Us. You retain ownership of any content you create or submit through our Services (“User Content”). By using our Services, you grant us a worldwide, non-exclusive, royalty-free license to store, process, display, reproduce, and back up your User Content solely to provide, maintain, and improve the Services. This license terminates when you delete your User Content or your account, subject to our Data Retention Policy and any backup retention described therein.

D. Feedback. If you provide us with feedback, suggestions, or ideas regarding our Services, you grant us an irrevocable, perpetual, royalty-free license to use such feedback for any purpose without obligation to you.

E. Document Ownership. Estate planning documents you complete using our Services belong to you. Our templates and the underlying forms are our intellectual property — you receive a license to use the completed documents for your personal estate planning purposes.

11. Subscriptions, Free Trials, and Payments

If you purchase our services, the following terms apply:

A. Free Trials

  • Customers: We may offer a 14-day free trial for standard users.
  • Professionals: We may offer a 30-day free trial for Professional accounts (attorneys and advisors).
  • Automatic Billing: At the end of your trial period, you will automatically be charged the applicable subscription fee unless you cancel before the trial ends. We will send you a reminder email at least 3 days before your first charge after a free trial ends. For free trials exceeding one month, we will send you a reminder email between 3 and 21 days before the cancellation deadline.

B. Subscription Plans We offer two subscription options:

  1. Monthly Plan: You pay on a month-to-month basis. No long-term commitment is required.
  2. Annual Plan: You pay for the full year upfront at a discounted rate.

C. Renewals and Cancellations Subscriptions automatically renew at the end of each billing period (monthly or annually) at the then-current rate. You may cancel at any time via your account settings. If you subscribed online, you may cancel your subscription online through your account settings — the cancellation process will be no more difficult than the process you used to subscribe. We will not obstruct or delay your ability to cancel your subscription. During the cancellation process, we may present you with a retention offer, but you will always be able to complete the cancellation without accepting any offer. Cancellation takes effect at the end of the current billing period — you will retain access until then.

  • Post-Transaction Acknowledgment: After you subscribe, we will provide a post-transaction acknowledgment that you may retain, confirming the automatic renewal terms, the cancellation policy, and information about how to cancel.
  • Annual Renewal Reminders: For annual subscriptions, we will send you a renewal reminder email between 15 and 45 days before your annual subscription renewal date.
  • Price Change Notices: If we change the subscription price, we will notify you at least five (5) business days but no more than thirty (30) days before the price change takes effect.
  • Price Increases: If the renewal price is higher than the price previously disclosed to you, we will either: (a) obtain your affirmative consent to the increased price before charging you; or (b) provide you with at least 14 days after notification to cancel your subscription and receive a pro rata refund for the unused portion of your current billing period. If you do not cancel within this period, the increased price will apply at the next renewal.
  • Refunds: All fees are non-refundable unless required by law. We do not provide refunds for partial months or unused services.

12. Disclaimers and Limitation of Liability

OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLAN YOUR SUNSET SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF PLAN YOUR SUNSET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. PLAN YOUR SUNSET SHALL NOT BE LIABLE FOR ANY PUNITIVE OR EXEMPLARY DAMAGES IN CONNECTION WITH YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $1,000. THIS LIMITATION SHALL NOT APPLY TO: (A) YOUR INDEMNIFICATION OBLIGATIONS UNDER SECTION 13; (B) LIABILITY ARISING FROM GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; (C) BREACHES OF OUR DATA SECURITY OBLIGATIONS; OR (D) LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING THE NEW YORK GENERAL BUSINESS LAW.

13. Indemnification

You agree to indemnify, defend, and hold harmless Plan Your Sunset and its officers, directors, employees, and agents from and against any claims, losses, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from: (a) your use of the Services in violation of these Terms; (b) your User Content, including any information you provide about third parties; (c) your violation of any applicable law; or (d) your misuse of documents completed through the Services. This indemnification does not extend to claims arising from our own negligence, willful misconduct, or security failures.

14. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. You agree that any legal action shall be brought exclusively in the state or federal courts located in New York County, New York.

15. Dispute Resolution and Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY.

  • Informal Resolution: You agree to first attempt to resolve any dispute informally by contacting us at [email protected]. You must allow at least 30 days for informal resolution before initiating arbitration.
  • Binding Arbitration: Any unresolved dispute shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, in New York County, NY. This arbitration agreement is governed by the Federal Arbitration Act.
  • Delegation: The arbitrator shall have exclusive authority to resolve any dispute relating to the enforceability or applicability of this arbitration agreement.
  • Class Action Waiver: YOU AGREE THAT ANY DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT IN A CLASS ACTION.
  • Small Claims Court: Either party may bring an individual action in small claims court for disputes within the court’s jurisdiction.
  • Injunctive Relief: Nothing in this section prevents either party from seeking temporary or preliminary injunctive or other equitable relief in court for the protection of intellectual property rights pending the outcome of arbitration. This carve-out does not affect the delegation of questions of arbitrability to the arbitrator.
  • Mass Arbitration: If 25 or more similar arbitration demands are filed against us within a 60-day period, the following procedures apply: (a) demands will be grouped into batches of no more than 10 demands each; (b) a single arbitrator will be selected for each batch; (c) an initial batch of 5 representative claims (the “bellwether” claims) will be arbitrated first; (d) the results of the bellwether claims will inform settlement discussions for remaining claims; (e) if settlement is not reached, additional batches will proceed sequentially. Each claimant retains the right to an individual arbitration but agrees to the batching procedure described herein.
  • Opt-Out: You may opt out of this arbitration agreement by sending a written notice to [email protected] within 30 days of first accepting these Terms. Your notice must include your name and a clear statement that you wish to opt out of arbitration.

16. Class Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND PLAN YOUR SUNSET EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. THIS WAIVER APPLIES WHETHER OR NOT THE ARBITRATION PROVISION IN SECTION 15 IS ENFORCEABLE.

17. Modifications to Services

We reserve the right to modify, update, or discontinue any feature or functionality of our Services at any time, with or without notice. We will make reasonable efforts to notify you of material changes that significantly affect your use of the Services. Your continued use of the Services after any modification constitutes your acceptance of the modified Services. If we discontinue a material feature, you may cancel your subscription and receive a pro rata refund for the unused portion.

18. Accessibility

Plan Your Sunset is committed to ensuring that our website and services are accessible to everyone, including individuals with disabilities. For full details, please see our Accessibility Statement.

  • Standards: We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA and applicable requirements of the Americans with Disabilities Act (ADA).
  • Ongoing Efforts: We continually review and improve our platform to remove barriers and enhance usability for all users. This includes testing with assistive technologies and incorporating accessibility best practices into our design and development process.
  • Feedback and Assistance: If you experience any difficulty accessing or using any part of our website or services, or if you have suggestions for improvement, please contact us. We take accessibility feedback seriously and will make reasonable efforts to address your concerns promptly.

Accessibility Contact: Email: [email protected]

You may also reach us through our general contact information in Section 30 below.

19. Changes to Terms

We may update these Terms, our AI-Specific Terms, our Privacy Policy, or our Data Retention Policy from time to time. We will post the updated Terms on our website with a revised “Last Updated” date. Your continued use of our Services after updated Terms are posted constitutes your acceptance of the changes. If you do not agree, you may stop using the Services.

20. California Residents

Our Services are not currently available to residents of the State of California. Our platform has not been adapted for compliance with the California Consumer Privacy Act (CCPA) or the California Privacy Rights Act (CPRA). By using our Services, you represent and warrant that you are not a resident of California. If you are a California resident, you are not authorized to use our Services, and any use is at your own risk and in violation of these Terms.

We intend to extend our Services to California residents in the future and will update these Terms accordingly.

21. Electronic Communications

By using our Services, you consent to receive electronic communications from us, including emails regarding your account, subscription renewals, and service updates. You agree that all agreements, notices, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

22. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, government actions, power failures, internet or telecommunications failures, or third-party service provider outages (including AI Provider outages).

23. Data Portability

You may export your estate planning documents and account data at any time through your account settings or by contacting us at [email protected]. We recommend downloading a copy of your documents before requesting account deletion.

24. Notices

We may provide notices to you by email to the address associated with your account, by posting on our website, or through in-app notifications. You may provide notices to us by email to [email protected]. Notices are deemed received: (a) if by email, when sent (unless returned as undeliverable); (b) if posted on our website, upon posting; (c) if by in-app notification, upon display.

25. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of our assets. Any attempted assignment in violation of this section is void.

26. Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. A waiver of any provision shall be effective only if made in writing and signed by us.

27. Survival

The following provisions shall survive any termination or expiration of these Terms: Sections 3 (Not a Law Firm), 5 (Artificial Intelligence Tools), 10 (Intellectual Property and License), 12 (Disclaimers and Limitation of Liability), 13 (Indemnification), 14 (Governing Law), 15 (Dispute Resolution and Binding Arbitration), 16 (Class Action Waiver), and this Section, as well as any other provisions that by their nature are intended to survive.

28. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

29. Entire Agreement

These Terms, together with the AI-Specific Terms, Privacy Policy, Data Retention Policy, and any other policies referenced herein, constitute the entire agreement between you and Plan Your Sunset regarding the Services and supersede all prior agreements and understandings.

30. Contact Us

Sunset Life LLC New York, NY, US

Email: [email protected]

Phone: +1 (646) 374-8826

Website: https://planyoursunset.com

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