Terms of Service

1. Your account

You must be at least 18 years old to create an AscenVent account. By creating an account, you confirm that the information you provide - including your name, date of birth, and family details - is accurate to the best of your knowledge. Providing false information to manipulate the platform or release mechanism is grounds for immediate account termination.

You are responsible for keeping your login credentials secure. If you believe your account has been compromised, contact us immediately. You are responsible for actions taken through your account.

2. Purchases and billing

Payments through Stripe

Purchases are made through Stripe-hosted Checkout, and ongoing billing is managed through your Stripe customer portal. Payment details are entered directly on Stripe's pages; AscenVent does not receive or store full card numbers or card security codes. A purchase is a real charge to the payment method you provide.

Prices, renewals, and cancellation

Displayed prices are in U.S. dollars and do not include any taxes that may apply. A one-time advisory purchase does not renew. A subscription renews automatically at the monthly or annual cadence shown until it is canceled through your customer portal. Cancellation is scheduled for the end of the current billing period without proration. Your customer portal also provides invoice history and payment-method controls.

What each purchase includes

A one-time advisory purchase unlocks the remaining questionnaire and includes one complete portfolio PDF after you finish. Advisory-only access ends after that PDF is delivered. An active subscription provides ongoing dashboard access, editing, re-exports, beneficiary tools, check-ins, and release features for the covered subscription period. You may start or restart a subscription later without another advisory fee for the same fulfilled advisory engagement.

Billing questions

If you believe a charge is incorrect, contact us and we will review it with you. Refunds, credits, and disputes are handled individually under applicable law and Stripe's processes.

3. Your content and your vault

Everything you enter into AscenVent - your answers, uploaded documents, personal letters, and account details - belongs to you. You grant AscenVent a limited license to store, process, and transmit your content solely for the purpose of operating your account, delivering your portfolio under your configured release conditions, and providing the service as described.

We do not claim ownership of your content. We do not use your vault content to train AI models or for any purpose beyond running your account. A one-time advisory includes one complete portfolio PDF when you finish; an active subscription provides ongoing dashboard access and re-exports. You can delete your content by closing your account, subject to the retention details in our Privacy Policy.

4. The release mechanism

The tiered release system is the core mechanism of AscenVent. By using the platform with an active subscription and configuring beneficiaries or designated roles, you authorize AscenVent to notify those people when a release is requested and to release the appropriate tier of content when the configured conditions are met. A one-time advisory alone does not activate beneficiary or release services.

• Tier 1 releases are subject to your configured veto window. If you do not respond, the release may proceed according to your settings.
• Tier 2 requires supporting evidence and a 72-hour response window. Tier 3 requires evidence, a seven-day response window, and staff approval. Premium can also require a configured co-signer threshold.
• The current process uses named private links, requester-supplied information, supporting evidence, and internal staff review. It does not include government identity/KYC or death-record verification, and cannot guarantee that a requester is who they claim to be.
• AscenVent is not responsible for disputes between beneficiaries over released content. The platform delivers the information you configured; it does not adjudicate family disagreements.

If you believe a fraudulent release request has been made, contact us immediately.

5. We are not a law firm

AscenVent is a secure information vault and planning tool. We are not a law firm and we do not provide legal advice. Nothing on this platform - not the wizard questions, not the chapter prompts, not any vendor introductions - constitutes legal, financial, medical, or tax advice.

The estate attorneys, financial advisors, and other professionals in our vendor network are independent providers. Introductions are facilitated by AscenVent, but any engagement, fees, and advice exchanged are between you and the vendor directly. AscenVent is not a party to those relationships and is not liable for the advice or services provided by network vendors.

We encourage you to consult a licensed estate attorney in your state before finalizing legal documents referenced in your portfolio.

6. Acceptable use

You agree not to use AscenVent to:

• Provide false information about yourself or another person.
• Attempt to access another user's vault or account without authorization.
• Impersonate a beneficiary to trigger a fraudulent release.
• Upload content that is illegal, harmful, or infringes someone else's rights.
• Reverse-engineer, scrape, or attempt to extract the platform's underlying systems.
• Use the platform in any way that violates applicable law.

Violations may result in account suspension and, where appropriate, referral to law enforcement.

7. If AscenVent shuts down

A one-time advisory includes one completed portfolio PDF, and an active subscription supports ongoing re-exports. Keep your latest available copy in a safe place and tell at least one trusted person where it is stored rather than treating continued platform availability as the only copy.

If a planned shutdown occurs, AscenVent will provide notice and a reasonable export opportunity when practicable and legally required. Unexpected technical, legal, or business events may limit advance notice, so no fixed shutdown-notice period is promised here.

8. Liability limits

AscenVent provides the platform in good faith, but like all technology services, we cannot guarantee perfect uptime, perfect security, or perfect transmission of your information under all circumstances. To the extent permitted by law:

• AscenVent's liability to you for any claim related to the service is limited to the total amount you paid us in the 12 months preceding the claim.
• We are not liable for indirect, incidental, or consequential damages, except where applicable law says otherwise.
• We are not liable for the actions of vendors in our network after an introduction has been made.

Nothing in this section limits our liability for fraud, gross negligence, or willful misconduct.

9. Disputes

If you have a dispute with AscenVent, we ask that you contact us first. Most issues can be resolved quickly without formal proceedings. If we cannot resolve a dispute informally within 30 days, the dispute will be resolved through binding arbitration under the American Arbitration Association's Consumer Arbitration Rules, in New York, New York.

You waive the right to participate in a class action lawsuit or class arbitration against AscenVent. You retain the right to bring an individual claim in small claims court for disputes within that court's jurisdiction. These terms are governed by the laws of the State of New York.

10. Changes to these terms

We may update these terms as the product changes. The "Last updated" date identifies the current version, and we will provide additional notice when applicable law requires it. If you do not agree to an updated version, stop using the service and contact us about export or deletion options.

11. Contact

Questions about these terms? Send us a message. For formal legal notices, clearly mark your message "Legal Notice."