Terms of Service

Effective Date: February 12, 2025
Last Updated: May 10, 2026

1. Acceptance of Terms

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

By accessing or using the Website — 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 by reference. If you do not agree, you must stop using the Website.

2. Informational Purposes Only (YMYL)

2.1 No Professional Advice

End of Life Tools covers "Your Money or Your Life" (YMYL) topics related to death, dying, funeral planning, estate matters, probate, and end-of-life finances. Inaccurate or misunderstood information in these areas can have serious consequences. The content on this Website — articles, guides, blog posts, calculators, and interactive tools — is provided for general informational and educational purposes only and does not constitute and must not be treated as:

• Medical or healthcare advice
• Legal advice 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 counseling or grief therapy
• Insurance or benefits eligibility determinations

Always consult qualified, licensed professionals — including physicians, licensed attorneys, financial advisors, certified public accountants, licensed funeral directors, and grief counselors — before making any decisions related to end-of-life planning, estate matters, advance directives, or financial arrangements.

2.2 No Guarantee of Accuracy or Currency

While we make reasonable efforts to provide accurate, current information, we make no warranties about the accuracy, completeness, reliability, or suitability of any information on the Website. Laws, regulations, costs, and procedures related to funerals, burial, cremation, estate planning, probate, and government benefits vary by state and change over time. Information accurate in one location may be incorrect in another. You are solely responsible for independently verifying information before relying on it.

2.3 Tool and Calculator Estimates Only

Our calculators and interactive tools provide estimates and general guidance only. They are not precise figures, professional assessments, or definitive projections:

• Outputs are based on the data you input and general industry averages, which may not reflect your circumstances.
• Actual costs, timelines, and legal requirements vary by location, provider, and applicable law.
• Do not make financial commitments, legal decisions, or funeral arrangements based solely on tool outputs. Obtain quotes and advice directly from licensed 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, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, goodwill, or other intangible losses
• Damages from your access to, use of, reliance on, or inability to use the Website or its tools
• Damages from any content, information, estimates, or calculator outputs obtained from the Website
• Financial losses arising from funeral planning, estate, or end-of-life decisions made in reliance on the Website
• Any decisions or actions you take in reliance on information or estimates provided through the Website

THIS LIMITATION APPLIES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Where applicable law does not allow certain exclusions, our liability is limited to the maximum extent permitted.

3.2 Maximum Aggregate Liability

To the maximum extent permitted by applicable law, our total aggregate liability to you for 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-to-use website, is typically zero) or (b) one hundred U.S. dollars (US $100).

4. Intellectual Property

4.1 Our Content

All content on the Website — text, articles, graphics, logos, images, data compilations, tool code and logic, and the design and layout — is the property of End of Life Tools or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

4.2 Limited License

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

• Modify or create derivative works from our content or tools
• Use data mining, bots, scrapers, or similar extraction methods
• Use the Website or its content for any commercial purpose without our prior written consent
• Republish, redistribute, or resell content 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 them without our prior written permission. Other trademarks appearing on the Website are the property of their respective owners.

5. User Conduct

5.1 Eligibility

The Website is intended for adults and is not directed to children under 13. By using the Website, you represent that you are at least 13 years old and have the legal capacity to accept these Terms. If you are under 18, you should use the Website only with the involvement of a parent or guardian.

5.2 Prohibited Conduct

You agree not to:

• Use the Website for any illegal or unauthorized purpose
• Reproduce, sell, resell, or exploit any portion of the Website or its content without express written permission
• Use automated systems (bots, scrapers, crawlers) to access or extract content except as permitted by our robots.txt
• Interfere with, disable, or disrupt the Website or its infrastructure
• Transmit viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation
• Use the Website to harass, abuse, threaten, defame, or harm any person
• Attempt to gain unauthorized access to any systems or networks connected to the Website

5.3 Account-Free Service

The Website operates without user accounts. Tools and content are accessible without registration. Data you enter into our tools is processed locally in your browser and is not stored on our servers.

6. Third-Party Content and Links

The Website links to third-party resources, including U.S. government agencies (for example, the Federal Trade Commission, the Social Security Administration, and the U.S. Department of Veterans Affairs), nonprofit organizations, funeral service providers, and other external sites. These links are provided for informational purposes only.

• We do not control, endorse, or assume responsibility for the content, accuracy, or practices of any third-party website.
• Accessing third-party websites is at your own risk; review their terms and privacy policies.
• Reference to any third-party product, service, or organization is not an endorsement by End of Life Tools.

7. Advertising

The Website displays third-party advertisements provided by advertising networks, including Google AdSense. By using the Website you acknowledge that:

• Third-party advertisements may appear alongside our content.
• Advertisers may use cookies and tracking technologies to serve ads, as described in our Privacy Policy.
• We are not responsible for the content, accuracy, or legality of any advertisement.
• Your interactions with advertisers, including any purchases, are solely between you and the advertiser.
• Advertisements do not constitute an endorsement by End of Life Tools of the advertised products or services.

8. Modifications to These Terms

We may modify these Terms at any time. When we make material changes, we will update the "Last Updated" date above. Your continued use of the Website after revised Terms are posted constitutes acceptance of those changes. If you do not agree, stop using the Website.

9. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict-of-law principles. You agree to first attempt to resolve any dispute informally by contacting us at legal@endoflifetools.com.

If a dispute cannot be resolved informally within thirty (30) days, it shall be subject to the exclusive jurisdiction of the state and federal courts located in the State of Delaware, and you consent to personal jurisdiction and venue in those courts. Nothing in this section prevents either party from seeking urgent injunctive or equitable relief where necessary.

10. User Feedback and Communications

We welcome feedback. By submitting feedback or suggestions, you agree that your submission does not contain confidential third-party information, that we have no obligation of confidentiality with respect to it, and that we may use it for any purpose without compensation or attribution.

11. Disclaimer of Warranties

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

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, 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, or currency of any content or tool output
• Warranties that defects will be corrected or that the Website is free of harmful components

12. Indemnification

You agree to indemnify, defend, and hold harmless End of Life Tools and its owners, operators, officers, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Website, your violation of these Terms, your violation of any third-party right, or any decisions you make in reliance on the Website.

13. Copyright and DMCA Notice-and-Takedown

We respect intellectual property rights and comply with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512. If you believe content on the Website infringes your copyright, send a written notice to our designated DMCA agent at legal@endoflifetools.com (subject line: "DMCA Notice") including all of the following:

• Identification of the copyrighted work claimed to be infringed
• The URL or specific location of the allegedly infringing material on the Website
• Your contact information (name, mailing address, email, and phone number)
• A statement that you have a good-faith belief that the use is not authorized 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 authorized to act on its behalf
• Your physical or electronic signature

Upon receipt of a valid notice, we will act expeditiously to remove or disable access to the allegedly infringing material. We also accept counter-notifications under 17 U.S.C. § 512(g) at the same address. We may, in appropriate circumstances, terminate access for repeat infringers.

14. Termination

We may restrict, suspend, or terminate your access to the Website at any time, without notice, for any reason, including a reasonable belief that you have violated these Terms or applicable law. Provisions that by their nature should survive — including intellectual property, disclaimers, indemnification, and limitations of liability — continue to apply after termination.

15. Severability and Waiver

If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force. Our failure to enforce any right or provision is not a waiver of that right.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published 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.

17. Contact Us

For questions about these Terms, or to request permission for uses not covered here:

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

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