TERMS OF SERVICE

PFG Management LLC d/b/a My Family Plan Company (“MyFamilyPlan”)

Last modified: 04/26/2026

 

These Terms of Service (“Terms” or “Agreement”) between you (referred to below as “you,” “your,” or “user” and My Family Plan Company, LLC (referred to below as “MyFamilyPlan” “we,” “us,” and “our”).

These Terms apply to your use of the Services (the “MyFamilyPlan EstateHub” and “MyFamilyPlan Life Event Advisors”), and when you visit any MyFamilyPlan website or access any product of MyFamilyPlan.

To access and/or use the Products and Services you acknowledge that you are at least 18 years of age, capable of forming a binding contract with MyFamilyPlan, and that you are not a person who is prohibited from using the Products and Services under the laws of the United States, Canada or any other applicable jurisdiction.

1. Agreement:

These Terms govern your use of the Services. The term “Service” includes MyFamilyPlan EstateHub, MyFamilyPlan Life Planning Guides and any other software as a service products MyFamilyPlan may offer from time to time. The Terms Services do not apply to MyFamilyPlan Financial & Estate Planning Worksheet (Templates) product which has its own Terms of Use which can be found here, https://myfamily-plan.com/terms-of-use/

 

The Term – The term of these Terms is the time which you have the right to access and use the Services, which will vary depending on the type of Services you utilize. At the end of the term, some or all the features and functionality of our Services will no longer be available to you.

 

Your Use of our Services – Services that you may use depends upon which plans, bundles, offerings, and other Services that you choose. Some of our Services may offer different functionality than other Services and some software may not be compatible with all of our Services.

Certain features, functionality, or capabilities of any of our Services may be altered, suspended, or removed at any time at our sole discretion. When you use the Services you agree to the MyFamilyPlan’s Privacy Policy and to these Terms of Service. You also agree that you will:

1. Provide true, accurate, current, and complete information about yourself as prompted by the registration form. You agree to maintain and update this information to keep it true, accurate, current, and complete. We reserve the right to suspend or terminate your access to the Services if we find information provided by you is inaccurate, not current, or incomplete.
2. Keep your usernames and/or passwords (“Credentials”) secure. You must follow any password security and multi-factor authentication guidelines that we establish. You agree that you are solely responsible for keeping your Credentials safe and secure, and preventing unauthorized access to your Credentials and account. In addition, you agree notify us if you become aware of any unauthorized access to your account or use of our Services. You agree that you are responsible for securing your own Credentials and that MyFamilyPlan disclaims any responsibility for unauthorized access to your account or your use of the Services.
3. You agree that neither we are responsible for any loss of Content and that you should maintain records of information you use when utilizing the Services.

You acknowledge that our Services are services, not licenses or sales of any kind of security interest or ownership of the Services. You agree to accept updates we may provide from time to time. The Services may be periodically updated or changed by us for any reason, at any time.

You agree that you will not do any of the following:

1. Use, nor permit any third party to use, the Product or Services in a manner that violates any law, regulation, or any other applicable terms and conditions. You further agree you will not remove, duplicate, or modify any copyright or proprietary notices.
2. Give, sell, loan, share or distribute the Services to any third party. You may share access to the Service and to your Content with other users you have authorized. You will not attempt or third parties to gain unauthorized access to the Services.
3. Reproduce, duplicate, modify, copy, deconstruct, disassemble, decompile, reverse engineer, or create derivative works based on or extracted from Services. You may not develop software or applications that interface with the Services without our prior, express written approval.
4. Permit any third-party to benefit from the use or functionality of the Services via a rental, lease, timesharing, service bureau, hosting service, or other arrangement, or offer them on any file-sharing or application hosting service.
5. Utilize false credentials or otherwise impersonate another person, party, company, or entity when using the Services.
6. Restrict or inhibit any other user that is not a Designated User from using the Services.
7. Misuse the Services or assist others in doing so.
8. Post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, sexually abusive, threatening, abusive, hateful, offensive, or otherwise objectionable information of any kind, including without limitation content that promotes or would result in criminal offense, give rise to civil liability, or otherwise violate any local, state, national or foreign law.
9. Post or transmit any content within the Services that impersonates someone else or falsely represents your identity, or that would cause a breach another’s privacy.
10. Post or transmit within the Services any advertisements, solicitations, chain letters, investment opportunities, other schemes, or unsolicited commercial communication.
11. You agree not to engage in spamming or flooding.
12. Post or transmit within the Services any information or software which contains a virus, Trojan horse, worm or other harmful or malicious code.
13. Post, publish, transmit, reproduce, distribute, or in any way exploit (a) any information, software or other material obtained through the Platform for commercial purposes, or (b) any information, software, or other material which is protected by copyright or other proprietary right, or derivative works with respect thereto, without obtaining permission of the copyright owner or right holder.
14. Engage in misleading or unethical marketing or advertising.
15. Infringe upon a trademark, or other intellectual property right that is not your own or without the rightful owner’s written permission.
16. Violate anyone’s privacy rights.
17. Use unauthorized credit cards or debit cards.
18. Not probe, scan, or test the vulnerability of the Services in any respect.
19. Not breach or otherwise bypass any security or authentication measures.
20. Not access, tamper with, or use non-public areas of the Services.
21. Not decompile or reverse engineer any part of the Services for any reason.
22. Not scrape, spider, crawl, or utilize any other similar algorithm or code on the Services.
23. Not take action that imposes an unreasonable load on our infrastructure or our third-party providers. MyFamilyPlan reserves the sole right to determine reasonable usage.
24. Not condone or promote violence against any person or group based on race, ethnicity, nationality, religion, gender, gender identity, sexual preference, age, or disability.

If we determine, in our sole discretion, that you have breached these Terms, or that your access to our Services presents a risk to us, our customers, or our third party service providers, or if we are unable to verify your identity, we may take any of the following actions (without limiting or waiving any other remedies available to us under the law or these Terms):

1. Suspend your access to our Services, in whole or in part; and/or
2. Take legal action against you.

Suspension or termination of your access to our Services on the basis of your unauthorized interaction with our Services, as outlined above, does not impact, terminate, or suspend your payment obligations under these Terms. You are responsible for your Content. We do not assume any responsibility or liability for any aspect of your Content. You agree that you will not upload, process, share, or link to any of the following:

1. Content that is illegal, fraudulent, inappropriate, objectionable, obscene, pornographic, or that creates criminal or
   civil liability under any law.
2. Any information, software, or Content which is not legally yours

You represent and warrant that:

1. you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country (together, the “Prohibited Countries”); and
2. you are not listed on any U.S. Government list of prohibited or restricted parties. You agree to promptly notify us in the event your location or listing changes, per subsections (i) or (ii) above and you agree that you will not give, sell loan share or distribute the Services to any person or entity that is located in a Prohibited Country or that is listed on any U.S. Government list of prohibited or restricted parties.

Payment for Services – You will be billed for the Services you utilize in U.S. dollars, and you will be debited at the start of your use of the Services and be automatically renewed at the end of each subscription term, unless otherwise stated. We only accept payment for our Services through credit and debit cards. If your payment or registration information is inaccurate, not current, and/or incomplete, we reserve the right suspend or terminate your access to the Services and refuse you any further use of the Services. In cases where you authorize recurring billing, we may participate in programs supported by your card provider (such as updater services, recurring billing programs, etc.) to try to update your payment information, and you agree that we may continue billing your account with the updated information that we obtain. For recurring Services, you authorize us to, upon the end of your Services term, automatically renew your subscription at the then-current rates, unless this Agreement is terminated. If we are unable to charge your card, we may attempt to bill your card again until successful. If you dispute any credit card or debit card charges, you must let us know within sixty (60) days after the date that we charged you. Additional payment terms may be provided to you at the time of purchase.

 

Modification of our Services – You agree that we may discontinue a Service, in whole or in part, at any time and for any reason. To the maximum extent permitted under applicable law, we support for our Services, any of their features, at any time and for any reason, at our sole discretion.

 

Termination – Your use or access of our Services may be terminated immediately and without notice if you fail to comply with any term or condition under these Terms. Upon such termination, you must immediately cease accessing or using the Service and agree not to attempt to regain access to our Services by creating a new registration or subscription. We reserve the right, in our sole discretion, at any time and from time to time to change, modify, or discontinue functionality or features, either temporarily or permanently of our Services or any part or feature thereof. We shall not be liable to you or any other third-party for any such modification, suspension or discontinuance except as expressly provided herein.

 

Language – The parties hereby confirm that they have requested that this Agreement and all related documents be drafted in English.

• For general question about our Services, you may reach out to us at [email protected].
• For questions regarding payment and billing, you may reach out to us at [email protected]
• If you believe there have been unauthorized transactions charged to your credit or debit card in connection with your use of our Services, please immediately contact [email protected].

To help the government fight the funding of terrorism and money-laundering activities, we may obtain, verify, and record information that identifies each person who uses the Services. This information can include your name, physical address, date of birth, social security number, device identification, and other information that we may require from time to time. We may use a third-party service provider to verify your identity. You authorize us or our third-party service providers to verify your identity from time to time, as we deem appropriate in our sole discretion.

 

Personally identifiable information – You should avoid inputting any personally identifiable information about yourself or others while using the Services. We utilize a Third-Party large language model (“LLM”) to power certain aspects of the Services and you should avoid providing personal information while utilizing any AI solution present in the Services.

 

Intellectual Property considerations – Users are strictly prohibited from utilizing any aspect of the Services to create or attempt to create works derived in whole or in part utilizing the Services or any aspect of the Services’ AI features. The Services and any and all constituent features are the property of MyFamilyPlan and your use of the Services in no way bestows ownership or a license of any aspect of the Services.

 

Restriction on AI Training – You are only permitted to use the Services for personal use and not for training artificial intelligence or machine learning tools. You are strictly prohibited from using or allowing others to use any content, data, outputs, or related information derived from the Services to create, train, test, or enhance any machine learning algorithms, artificial intelligence systems, or similar models.

 

AI General Use and Restrictions – The Services, from time to time, my offer tools that utilize Artificial Intelligence (“AI”). By using the Services, you acknowledge and agree that any content generated with the assistance of AI is provided at your own risk. The AI may produce inaccurate, incomplete, or outdated information. Additionally, you agree that, if you do use AI tools while utilizing the Services, that you will not input any personally identifiable or sensitive information (e.g. social security numbers, residential address, financial account information, passwords and/or usernames). AI may inadvertently retain or disclose information provided to it, so it is important that you refrain from sharing personally identifiable or sensitive information to the AI. WE MAKE NO WARRANTIES AS TO THE ACCURACY, RELIABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF AI-GENERATED CONTENT WHILE USING THE SERVICES AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL LIABILITY FOR HARM, LOSS, OR DAMAGES ARISING FROM YOUR USE OF AI-GENERATED CONTENT. BY USING ANY AI FEATURES PRESENT IN THE SERVICES, YOU CONSENT TO THE PROCESSING OF YOUR INPUT DATA AS DESCRIBED ABOVE.

2. General Terms:

These General Terms are a part of our Terms, together with MyFamilyPlan’s Privacy Policy, govern your use of the Services. We may modify these Terms from time to time without notice. You accept these Terms when accessing the Services. If you do not agree to these Terms, you may not use the Services. We reserve the right, in our sole discretion and without notice, to change, modify, or otherwise alter these Terms at any time by posting the new Terms. Your continued use of the Services constitutes acceptance the new Terms.

 

Services Access – You agree not to store, distribute, transmit, display, reproduce or modify any of the content on the Services for any commercial purpose. By using the Services, you warrant that you will not use the Platform, or any of the content obtained from the Services, for any unlawful or prohibited purpose. We do not grant any license of any kind to you in connection with your use of the Services. You may not remove or modify any copyright or proprietary notices. If you violate any of these Terms, your permission to use the Services is terminated automatically.

 

If we conclude, in our discretion, that you have misused the Services, we reserve the right to take appropriate action, including but not limited to banning you from the Services. We reserve the right to remove any content or suspend or terminate use of the Services without refund of any amounts that may have been paid, without liability or notice to you, at any time and for any reason, except where prohibited by applicable law. You may report violations of these guidelines to by contacting us at [email protected].

Liability for the action of Designated Users – You are responsible for the actions of your Designated Users and we expressly disclaim any and all liability for their actions or failure to act

 

Our use of your content – You hereby grant us a perpetual, worldwide, fully transferable, irrevocable, royalty-free license to use, reproduce, modify, create derivative works from, distribute, and display the any information you input into the Services (which is not personally identifiable information) and any derivative works in any manner and for any purpose, and you hereby waive all of your rights in your content in favor of us and our affiliates.

 

MyFamilyPlan does not provide professional advice – We do not provide legal, financial, accounting, tax, investment, healthcare, real estate, or other professional services or advice. In some cases we or a Supplier may make available prefilled forms or documents or other information as part the Service. You agree that these things are provided solely as a convenience and/or informational purposes. Regardless of how these items are described at the time they are offered, you agree to seek the services of competent professionals as needed, and you will not rely on any aspect of these Services as a substitute for such professional advice.

 

Governing Law; Dispute Resolution – The laws of the State of New York govern this Agreement without giving rise to conflict of laws principles. Any dispute arising from or out of these Terms or your use of the Services shall be subject to the exclusive jurisdiction of and finally settled in the federal and state courts located in Westchester County, New York, and each party hereby consents to the personal jurisdiction of such courts. We each agree that any and all disputes must be brought in the parties’ individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. The Parties agree to waive the right to participate in a class action or litigate on a class-wide basis. You also agree to waive any right to a jury trial. You agree that you have expressly and knowingly waived these rights.

 

Class Action Waiver – ANY PROCEEDINGS TO RESOLVE OR LITIGATE ANY DISPUTE IN ANY FORUM MUST BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR WE MAY SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, A REPRESENTATIVE ACTION, A COLLECTIVE ACTION, A PRIVATE ATTORNEY-GENERAL ACTION, OR IN ANY PROCEEDING IN WHICH YOU OR WE ACT(S) OR PROPOSE(S) TO ACT IN A REPRESENTATIVE CAPACITY. NO LITIGATION, ARBITRATION, OR OTHER PROCEEDING MAY BE JOINED, CONSOLIDATED, OR COMBINED WITH OTHER LITIGATION, ARBITRATION, OR PROCEEDING WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ANY SUCH LITIGATION, ARBITRATION, OR PROCEEDING, INCLUDING OUR PRIOR WRITTEN CONSENT AND YOUR PRIOR WRITTEN CONSENT.

 

Severability – If one or more parts of these Terms are found to be illegal, invalid or unenforceable those parts will be severed only necessary to the extent necessary to negate such illegality, invalidity, or unenforceability. For purposes of any such court proceeding, you consent to and expressly agree not challenge such courts’ personal jurisdiction over you, and you further waive objection based upon improper venue or forum and will not seek transfer to another district or jurisdiction.

 

Warranty Disclaimer – Neither MyFamilyPlan, nor its licensors or suppliers makes any representations or warranties concerning any content contained in or accessed through the Services, and we will not be responsible or liable for the accuracy, completeness, copyright compliance, legality, or decency of material contained in or accessed through the Services. We (and our licensors and suppliers) make no representations or warranties regarding suggestions or recommendations of services or products offered or purchased through the Services. Products and services purchased or offered (whether or not following such recommendations and suggestions) through the Services are provided “AS IS” and without any warranty of any kind from MyFamilyPlan or others (unless, with respect to such others only, provided expressly and unambiguously in writing by a designated third party for a specific product).

 

THE SERVICES AND CONTENT ARE PROVIDED BY MYFAMILYPLAN (AND ITS LICENSORS AND SUPPLIERS) ON AN “AS-IS” BASIS, WITHOUT WARRANTIES OR ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. SOME STATES/JURSIDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

 

Limit of Liability and Indemnification – TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL MYFAMILYPLAN (OR ITS LICENSORS OR SUPPLIERS) BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, OR (B) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE LESSER OF (I) $100 OR (II) THE AMOUNTS PAID BY YOU IN CONNECTION WITH THE SERVICES IN THE TWELVE (12) MONTH PERIOD PRECEDING THIS APPLICABLE CLAIM, OR (III) ANY MATTER BEYOND OUR REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.

 

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, YOU AGREE TO INDEMNIFY AND HOLD MYFAMILYPLAN, ITS AFFILIATES, OFFICERS, AGENTS, EMPLOYEES, AND PARTNERS HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, LIABILITIES, DAMAGES (ACTUAL AND CONSEQUENTIAL), LOSSES AND EXPENSES (INCLUDING ATTORNEYS’ FEES) ARISING FROM OR IN ANY WAY RELATED TO ANY THIRD PARTY CLAIMS RELATING TO (A) YOUR USE OF THE SERVICES (INCLUDING ANY ACTIONS TAKEN BY A THIRD PARTY USING YOUR ACCOUNT), AND (B) YOUR VIOLATION OF THESE TERMS. IN THE EVENT OF SUCH A CLAIM, SUIT, OR ACTION (“CLAIM”), WE WILL ATTEMPT TO PROVIDE NOTICE OF THE CLAIM TO THE CONTACT INFORMATION WE HAVE FOR YOUR ACCOUNT (PROVIDED THAT FAILURE TO DELIVER SUCH NOTICE SHALL NOT ELIMINATE OR REDUCE YOUR INDEMNIFICATION OBLIGATIONS HEREUNDER). THIS INDEMNIFICATION OBLIGATION SHALL SURVIVE TERMINATION OF YOUR USE OF THE SERVCES.

 

Termination – You agree that we may immediately, in our sole discretion and without notice, terminate this Agreement or your use of the Services if you fail to comply with this Agreement or for any reason. Provisions of these Terms which, by their nature should survive the termination of your access to the Services, shall survive such termination, such as limitations of liability, indemnification, any licenses or rights you grant to us by use of the Services, governing law, jurisdiction, and venue, to name some examples.

 

Entire Agreement – This Agreement, including external documents referenced herein (including the Privacy Policy), is the entire agreement between you and us and replaces all prior understandings, communications, and statements regarding its subject matter. If any part of this Agreement is found to be invalid the remainder will be enforced to the maximum possible extent. You may not assign this agreement without our prior written consent. We may assign or transfer it without your consent for any reason, at any time, at our sole discretion.

 

Terms of Service and Privacy Policy conflicts – In the event of a conflict between these Terms of Service and the Privacy Policy, the Privacy Policy shall prevail as to matters specifically stated therein. These Terms do not limit any rights that we may have under trade secret, copyright, patent or other laws.