Terms of Service

Effective Date: February 12, 2025
Last Updated: February 21, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "your") and End of Life Tools ("we," "us," or "our"), governing your access to and use of the website located at endoflifetools.com (the "Website"), including all content, tools, features, and services offered on or through the Website.

By accessing or using our Website in any manner — including browsing, using interactive tools, or reading content — you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms in their entirety, you must immediately cease access to and use of our Website.

2. YMYL Disclaimer — Informational Purposes Only

2.1 No Professional Advice

End of Life Tools is a "Your Money or Your Life" (YMYL) website that addresses topics related to death, dying, funeral planning, estate management, probate, and end-of-life financial matters. These are areas where inaccurate or misunderstood information can have serious, potentially irreversible consequences for your health, safety, finances, or legal standing.

The content provided on this Website — including articles, guides, blog posts, calculators, and interactive tools — is provided for general informational and educational purposes only. Our content does not constitute, and must not be treated as:

• Medical or healthcare advice of any kind
• Legal advice, legal counsel, or an attorney-client relationship
• Financial, investment, or wealth management advice
• Tax advice or tax planning guidance
• Professional funeral, mortuary, or cremation advice
• Mental health counselling, grief therapy, or psychological advice
• Insurance or benefits eligibility guidance

You must always consult qualified, licensed professionals — including doctors, solicitors or attorneys, financial advisers, certified public accountants, licensed funeral directors, and grief counsellors — before making any decisions related to end-of-life planning, estate matters, advance medical directives, financial arrangements, or any other matter addressed on this Website. The stakes in these areas are high, and professional guidance is essential.

2.2 No Guarantee of Accuracy or Currency

While we make reasonable efforts to provide accurate, up-to-date, and reliable information, we make no warranties or representations about the accuracy, completeness, reliability, timeliness, or suitability of any information on our Website. Laws, regulations, costs, and procedures related to funerals, cremation, burial, estate planning, probate, and government benefits vary significantly by jurisdiction and change over time. Information that is accurate in one location may be incorrect or inapplicable in another.

You are solely responsible for independently verifying all information before relying on it. We strongly recommend consulting the relevant government agencies, professional bodies, and licensed practitioners for the most current and jurisdiction-specific information.

2.3 Tool and Calculator Estimates Only

Our interactive tools and calculators — including funeral cost estimators, burial vs. cremation comparisons, estate planning checklists, and any other calculation tools — provide estimates and general guidance only. These results must not be treated as precise figures, professional assessments, or definitive financial projections. Specifically:

• All tool outputs are based on data you input and general industry averages, which may not reflect your specific circumstances.
• Actual costs, timelines, legal requirements, and outcomes may vary significantly based on your location, local provider pricing, applicable laws, and individual circumstances.
• Tool results do not account for all variables that may affect real-world outcomes in funeral planning, estate settlement, or financial matters.
• Do not make financial commitments, legal decisions, or funeral arrangements based solely on our tool outputs. Always obtain quotes and advice directly from licensed service providers and qualified professionals.

3. Limitation of Liability

3.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, END OF LIFE TOOLS AND ITS OWNERS, OPERATORS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, use, goodwill, or other intangible losses
• Damages resulting from your access to, use of, reliance upon, or inability to access or use the Website or any of its tools
• Damages resulting from any content, information, estimates, or guidance obtained from or through the Website, including calculator outputs
• Financial losses arising from funeral planning, estate management, or end-of-life decisions made in reliance on information or tool results from this Website
• Damages resulting from unauthorised access to or alteration of your transmissions or data
• Any decisions made or actions taken by you in reliance on information or estimates provided through the Website
• Any other matter relating to the Website, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory

THIS LIMITATION OF LIABILITY APPLIES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by applicable law.

3.2 Maximum Aggregate Liability

To the maximum extent permitted by applicable law, our total aggregate liability to you for any and all claims arising out of or relating to these Terms or your use of the Website shall not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim (which for a free service is zero) or (b) one hundred US dollars ($100).

4. Intellectual Property

4.1 Our Content

All content on the Website, including but not limited to text, articles, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, tool code and logic, and the design and layout of the Website, is the property of End of Life Tools or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

4.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use our Website for personal, non-commercial purposes only. This licence does not include the right to:

• Modify or create derivative works based on our content or tools
• Use any data mining, bots, robots, scrapers, or similar data gathering or extraction methods
• Download (other than page caching) any portion of the Website except as expressly permitted
• Use the Website or its content for any commercial purpose without our prior written consent
• Republish, redistribute, or resell any content from this Website without attribution and express written permission

4.3 Trademarks

"End of Life Tools" and our logos are trademarks of End of Life Tools. You may not use our trademarks without our prior written permission. All other trademarks and trade names appearing on the Website are the property of their respective owners.

5. User Conduct

5.1 Eligibility

You must be at least 16 years old to use our Website. By using the Website, you represent and warrant that you meet this age requirement and that you have the legal capacity to enter into these Terms.

5.2 Prohibited Conduct

You may use our Website and its tools for lawful, personal, and non-commercial purposes only. You agree not to:

• Use the Website for any illegal or unauthorised purpose
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website or its content without our express written permission
• Use automated systems (bots, scrapers, crawlers, or other automated tools) to access or extract content from the Website, except as explicitly permitted by our robots.txt file
• Attempt to interfere with, compromise, disable, or disrupt the Website or its servers, networks, or underlying infrastructure
• Transmit any viruses, malware, ransomware, or other harmful or malicious code
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use the Website to harass, abuse, threaten, defame, or harm any person
• Use our content to create competing products, services, or derivative works without permission
• Attempt to gain unauthorised access to any portion of the Website or any systems or networks connected to it
• Use the Website in any manner that could damage, overburden, or impair its functionality
• Collect or harvest personal information about other users without their consent

5.3 Account-Free Service

Our Website currently operates without user accounts. Our tools and content are freely accessible without registration. Tool data you enter is processed locally in your browser and is not stored on our servers unless explicitly stated otherwise.

6. Third-Party Content and Links

Our Website contains links to third-party websites, including government agencies (e.g., GOV.UK, Social Security Administration, Department of Veterans Affairs), non-profit organisations, funeral service providers, and other external resources. These links are provided for informational purposes only.

• We do not control, endorse, or assume responsibility for the content, accuracy, privacy policies, or practices of any third-party websites.
• Accessing third-party websites is entirely at your own risk. We encourage you to read the terms and privacy policies of any third-party sites you visit.
• Reference to any third-party products, services, organisations, or professionals does not constitute an endorsement or recommendation by End of Life Tools.
• We are not liable for any loss or damage that may arise from your use of or reliance on any third-party website or content.

7. Advertising

Our Website displays third-party advertisements provided by advertising networks, including Google AdSense. By using our Website, you acknowledge and agree that:

• Third-party advertisements may appear on our Website alongside our content.
• Advertisers may use cookies and tracking technologies to serve ads based on your browsing history and interests, as described in our Privacy Policy.
• We are not responsible for the content, accuracy, legality, or opinions expressed in any advertisements displayed on our Website.
• Your interactions with advertisers, including any purchases or transactions, are solely between you and the advertiser.
• Advertisements on our Website do not constitute endorsements by End of Life Tools of the advertised products or services.

8. Modifications to These Terms

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page. It is your responsibility to review these Terms periodically for any changes.

Your continued use of the Website following the posting of revised Terms constitutes your acceptance of and agreement to those changes. If you do not agree to the revised Terms, you must stop using the Website. We will not provide individual notice of changes to these Terms unless required to do so by applicable law.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law principles. Any disputes arising out of or relating to these Terms or your use of the Website shall first be subject to good-faith negotiation between the parties. You agree to contact us at legal@endoflifetools.com to attempt to resolve any dispute informally before initiating formal proceedings.

If a dispute cannot be resolved through informal negotiation within thirty (30) days, either party may pursue their available legal remedies through the competent courts of the applicable jurisdiction. Nothing in this section prevents either party from seeking urgent injunctive or other equitable relief where necessary.

10. User Feedback and Communications

We welcome feedback and suggestions about our Website. By submitting feedback, suggestions, or other communications to us, you agree that:

• Your submission does not contain confidential or proprietary information belonging to any third party.
• We are under no obligation of confidentiality with respect to your submission.
• We may use, reproduce, and share your feedback for any purpose without compensation or attribution.

11. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, TOOLS, CALCULATORS, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Website will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, completeness, or currency of any content or tool output
• Warranties that defects will be corrected or that the Website or its servers are free of viruses or other harmful components
• Warranties that the Website is appropriate or available for use in any particular jurisdiction

12. Indemnification

You agree to indemnify, defend, and hold harmless End of Life Tools and its owners, operators, officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of or reliance on the Website or its tools
• Your violation of these Terms
• Your violation of any third-party right, including intellectual property, privacy, or other proprietary rights
• Any claim that your use of the Website caused damage to a third party
• Any decisions, actions, or omissions taken by you in reliance on information or tool outputs from this Website

13. Copyright and DMCA

We respect the intellectual property rights of others. If you believe that any content on our Website infringes your copyright, please send a written notice to us at legal@endoflifetools.com containing:

• A description of the copyrighted work that you claim has been infringed
• The URL or location on our Website where the allegedly infringing material is located
• Your contact information (name, address, email, phone number)
• A statement that you have a good faith belief that the use is not authorised by the copyright owner, its agent, or the law
• A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorised to act on behalf of the copyright owner
• Your electronic or physical signature

14. Termination

We reserve the right to restrict, suspend, or terminate your access to the Website at any time, without notice, for any reason, including if we reasonably believe you have violated these Terms or applicable law. Upon termination, all provisions of these Terms which by their nature should survive — including intellectual property rights, disclaimers, indemnification, and limitations of liability — shall continue to apply.

15. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies published by us on the Website, constitute the entire agreement between you and End of Life Tools regarding your use of the Website and supersede any prior agreements, communications, or proposals, whether oral or written.

17. Waiver

Our failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights. The waiver of any such right or provision will be effective only if in writing and signed by an authorised representative of End of Life Tools.

18. Contact Us

If you have any questions, concerns, or complaints about these Terms of Service, or if you wish to request permission for uses not covered by these Terms, please contact us:

• Email: legal@endoflifetools.com
• Website: endoflifetools.com

We aim to respond to all legal enquiries within 10 business days. For urgent copyright or legal matters, please indicate the urgency clearly in your subject line.