The terms that govern your use of LIFTed VFO

These Terms of Service ("Terms") govern your access to and use of LIFTed VFO — the website, the application, and the services we make available through them (together, the "Service"). The Service is operated by New Law Business Model, doing business as LIFTed VFO ("we," "us," "our").

By creating an account, accepting an invitation, or otherwise using the Service, you agree to these Terms. If you're using the Service on behalf of a household, a firm, or another organization, you're confirming you have the authority to accept these Terms on its behalf, and "you" refers to both you and that organization.

If you don't agree to these Terms, don't use the Service.

LIFTed VFO helps a family organize its legal, insurance, financial, and tax picture in one place — the documents, the accounts, the people involved, and the gaps between what a family's paperwork says and what it actually needs. It is a way to see your own information more clearly and to work with your Family Wealth Counselor and other professionals more effectively.

It is not a law firm, not a CPA firm, not an investment adviser, and not an insurance agency. Nothing the Service shows you — a flagged gap, a suggested next step, a modeled scenario, a Blueprint — is legal, tax, accounting, or investment advice, and using the Service does not create an attorney-client, accountant-client, or advisory relationship between you and us.

The Service is educational and organizational. Decisions about your family's legal, tax, insurance, or financial situation should be made with a licensed professional, not on the basis of the Service alone.

Access to LIFTed VFO is by invitation only — every account starts with an invitation generated for a specific email address by a specific Counselor. You're responsible for keeping your login credentials confidential and for everything that happens under your account, whether or not you were the one who did it, until you tell us it's been compromised.

You must give accurate information when you create an account and keep it current. You must be at least 18 years old to hold an account.

You keep ownership of the documents, information, and data you upload or enter ("Your Content"). By using the Service, you give us the limited right to store, process, and display Your Content back to you and to the people you or your Counselor authorize, solely to provide the Service — including running it through the document-processing and AI pipeline described on our security pages.

You're responsible for having the right to upload what you upload, and for its accuracy. We're not responsible for decisions made based on incomplete or incorrect information you provided.

How we store, protect, and mask Your Content — including what our AI models do and don't see — is described in full on our security pages, which are part of these Terms by reference:

A Family Wealth Counselor's access to your household is granted explicitly, household by household — never automatically. Connecting a Counselor, or any other professional, to your household is your decision, and you can see who has access at any time.

Counselors and other professionals who use the Service to work with families are independent professionals or firms, not our employees. We don't supervise the legal, tax, financial, or insurance advice a Counselor or connected professional gives you, and we're not a party to your relationship with them. Any dispute about that advice is between you and them.

Some access to LIFTed VFO is arranged through your Family Wealth Counselor or firm under a separate agreement with them; we don't charge every family directly. Where we do bill you directly, we'll tell you the amount and frequency before you're charged, and any fee terms presented to you at that point are part of these Terms.

The Service — its software, design, text, and the LIFTed VFO name and marks — belongs to us or our licensors. These Terms give you the right to use the Service; they don't transfer any ownership of it to you.

Findings, Blueprints, and other output the Service generates from Your Content are yours to use for your own family's purposes. We don't claim ownership of them.

We illuminate — we never prescribe. The Service is provided "as is" and "as available." We work to keep it accurate and available, but we don't guarantee that it will be uninterrupted, error-free, or that every gap, risk, or recommendation it surfaces is complete or correct.

To the fullest extent the law allows, we disclaim all warranties, express or implied, including any warranty of merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent the law allows, we won't be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, arising from your use of the Service — even if we've been told that kind of damage was possible.

Our total liability for any claim arising from the Service is limited to the amount you paid us for the Service in the twelve months before the claim arose, or one hundred dollars if you haven't paid us anything.

Nothing in this section limits liability where the law doesn't allow it to be limited.

You can stop using the Service and ask us to close your account at any time by emailing us at the address below.

We can suspend or terminate your access if you violate these Terms, if we reasonably believe your account has been compromised, or if we discontinue the Service. Where practical, we'll tell you why.

Sections that by their nature should survive termination — including Intellectual Property, Disclaimers, Limitation of Liability, and Governing Law & Disputes — continue to apply after your account is closed.

This section is a placeholder pending a decision by Ali, as founder and attorney, on our governing-law state and dispute-resolution process (for example, whether disputes go through arbitration or the courts, and where). We're not guessing at a jurisdiction here — the rest of this page ships without it, and this section will be filled in once she's decided.

We may update these Terms as the Service changes. If we make a material change, we'll notify you — by email, or with a notice in the app — before it takes effect. Continuing to use the Service after a change takes effect means you accept the updated Terms.

Questions about these Terms? Email us at legal@liftedvfo.com. For a security concern specifically, use security@liftedvfo.com instead — see our security pages for detail.