Terms & Conditions

1. Who we are

Hold My Will — Growpad Limited, registered in England & Wales, company no. 13979536. You can contact us at support@holdmywill.com. “We”, “us” and “Hold My Will” refer to that company; “you” means the account holder.

2. What Hold My Will is — and is not

Hold My Will is a secure digital custody service. It stores an encrypted copy of your will and other documents you choose, monitors your wellbeing through periodic check-ins, and releases those documents to your chosen nominees only after the escalation process described in section 5 completes.

• We are not a will-writing service and provide no legal advice. Nothing on this site or in the product is legal advice.
• We are not a probate service. In many jurisdictions (including England & Wales) the courts require your original signed will; Hold My Will distributes an evidentiary copy and a record of where you say the original is kept.
• Storing a document with us does not make it legally valid, and releasing it does not by itself give anyone legal authority over your estate.

3. Your account and your keys

You must be at least 18 and provide accurate information. Your documents are encrypted on your own device with keys derived from your passphrase and your 24-word recovery code. We never hold your passphrase, your recovery code, or any key capable of reading your documents. If you lose both, your encrypted documents are unrecoverable by anyone, including us — permanently. This is a security feature, not a limitation we can waive, and you accept that risk by using the service.

Before depositing documents you must complete a recorded attestation confirming you are the person named in the will and are acting freely. The attestation (with its date and network address) becomes part of the permanent record released to your nominees.

4. Your responsibilities

• Respond to check-ins, or use travel pause when you will be unreachable.
• Keep your own, your nominees’, and your verifier’s contact details current. Release notifications can only go to the addresses you gave us.
• Only name nominees and verifiers who have agreed to the role; we will contact them at designation so errors surface early.
• Keep the recorded location of your original will accurate.

5. Check-ins, escalation, and release

By using Hold My Will you instruct us to run the following process: if you miss a check-in we escalate over a period of weeks across email, SMS, and your designated verifier; if every channel stays silent and any verifier step completes (or times out), a final 72-hour abort window runs; only then are your documents released to your accepted nominees. Any check-in, at any stage before release, stops the process entirely.

• No nominee, relative, or third party can trigger or accelerate a release. Only elapsed time and your silence can.
• Changes to nominees or contact details take effect after a 7-day cooling period, with notice to your previous contacts.
• The process is deliberately biased against premature release. You accept that this means release takes weeks from first missed contact, by design.
• We cannot guarantee delivery of any individual email or SMS (carriers and mail providers fail); the multi-channel, multi-week design exists to make the overall process robust to individual failures.

6. Fees and refunds

• Annual plan: £40/year. Lifetime plan: £250 once. Prices include VAT where applicable.
• 30-day money-back guarantee on both plans: request a refund within 30 days of purchase and we will refund in full and cryptographically destroy your stored documents.
• If an annual subscription lapses, your vault becomes read-only 30 days after the lapse — but check-ins, escalation, and release continue unconditionally. A lapsed account that reaches release is still released. Lifetime accounts never lapse.

7. Acceptable use

You may not store unlawful content, deposit documents you have no right to hold, use the service to deceive (including uploading a will naming someone other than yourself, which the attestation in section 3 exists to evidence), attempt to defeat the escalation process, or probe the service’s security other than through any published disclosure process.

8. Data protection

Our Privacy Policy explains what personal data we process and why. It forms part of these terms.

9. Retention, deletion, and closing your account

• Account deletion requires strong authentication and a 14-day cooling period with notifications, after which your wrapped keys are destroyed and your encrypted documents become permanently unreadable.
• After a release, records are retained for 7 years for evidentiary purposes, then cryptographically destroyed.

10. Service continuity

A service like this must outlast enthusiasm. If we ever decide to wind down, we commit to: at least 12 months’ notice to every user on every channel we hold; free export of your encrypted documents (readable with your own recovery code) throughout that period; and cryptographic destruction of whatever remains afterwards.

11. Liability

Nothing in these terms excludes liability that cannot lawfully be excluded (including for death or personal injury caused by negligence, or fraud). Subject to that: we are not liable for the legal effectiveness of your will or the outcome of any probate or estate process; for losses caused by inaccurate contact details or an unresponsive verifier; or for loss of access caused by losing both your passphrase and recovery code. Our total liability under these terms is capped at the greater of £250 and the fees you paid us in the 12 months before the claim.

12. Changes to these terms

We may update these terms; material changes will be notified by email at least 30 days before they take effect, and every settings-level change to your account always generates a receipt to you. Continued use after the notice period is acceptance.

13. Governing law

These terms are governed by the law of England & Wales, and its courts have exclusive jurisdiction, without limiting any mandatory consumer rights you hold where you live.