These Terms of Service were last updated on April 28 2026.
TRUSTY ESTATE INC.
TERMS OF SERVICE
Please read these Terms of Service carefully before using Trusty.
These Terms of Service (these "Terms") govern your access to and use of the Trusty mobile or web application (the "App"), the Trusty advisor web portal (the "Portal"), our website located at
https://www.withtrusty.com (the "Website"), and any related products, features, and services (collectively, the "Services") provided by Trusty Estate Inc. ("Trusty," "we," "us," or "our").
By creating an account, downloading or accessing the App, accessing the Portal, or otherwise accessing or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Services.
If you access or download the App from the Apple App Store, you also agree to the App Store Terms of Service. If you access or download the App from the Google Play Store, you also agree to the Google Play Terms of Service.
Domain Aliases. The Services may also be accessible through domain aliases, including mytrusty.ai, which redirect to our primary domain at withtrusty.com. These Terms govern your use of the Services regardless of the domain through which you access them.
We may update these Terms from time to time at our sole discretion. When we do, we will revise the effective date at the top of this page and notify you through the App, the Portal, or via the email address associated with your account. Changes take effect on the date of posting unless otherwise specified. Your continued use of the Services following the posting of updated Terms constitutes your acceptance of the changes.
In these Terms, the following capitalized terms have the meanings set out below:
Global
Client App Roles
Trusty Advisor Portal Roles
You must be at least eighteen (18) years of age (or the age of majority in your jurisdiction, if higher) to use the Services. By agreeing to these Terms, you represent and warrant that you meet this age requirement and have the legal capacity to enter into a binding agreement.
To access the Services, you must create an Account or Trusty Advisor Account accordingly. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
The Services support multiple user roles and shared access models. The role assigned to you determines the scope of your rights and obligations under these Terms.
The Account Owner is the primary individual responsible for the Account and the Content stored within it. An Account Owner may designate one or more Co-Owners, Collaborators, and/or Trusted Contact with varying degrees of access and control of the Account. Each Co-Owner, Collaborator or Trusted Contact must create their own Account and accept these Terms before being granted access.
The Portal is a web-based application designed for Trusty Advisors to support their clients' use of the Services. The Trusty Advisor will be able to access specified information from the Account Owner's Account, which may include asset inventory data, estate planning documents, heir designations, Wishes (to the extent shared), and contact details. The scope of a Trusty Advisor's access is determined by a combination of the Account Owner and by the limitation and intention of the product configuration in effect from time to time.
Trusty Advisors agree to:
Trusty Advisors are independent of Trusty. Trusty does not endorse, supervise, or verify the professional qualifications of any Trusty Advisor, and Trusty is not responsible for the advice, recommendations, or conduct of any Advisor.
The Services support invitation-based access. When you invite another person (including a Co-Owner,, Trusty Advisor, or other permitted role), you represent that you have the authority to do so. An Account Owner may revoke any invited user's access at any time through the Services other than the Trusty Advisor who has provided access. Trusty Advisors are not currently able to revoke their own access to a client's Account; Trusty Advisors who wish to terminate the advisory relationship should contact Trusty support.
Certain features of the Services are available at no cost, subject to usage limits that may apply to the number of assets, documents, contacts, Wishes, or other Content you may store. The specific limits in effect for the free tier are described in the App and may change from time to time.
Trusty offers paid subscription tiers, including:
Refunds for in-app purchases are administered by Apple or Google in accordance with their respective store policies. Trusty does not issue direct refunds for store-processed purchases. For Trusty Advisor subscriptions billed directly by Trusty, refund terms are as specified in the applicable order form or as otherwise agreed in writing.
We reserve the right to introduce, modify, or discontinue subscription tiers, pricing, usage limits, and features at any time. Where changes materially affect your existing subscription, we will provide reasonable advance notice through the App, the Portal, or via email.
If your Account is terminated, you will lose access to paid features. We may retain your Content in accordance with our Privacy Policy. No refunds are issued in connection with termination for breach of these Terms.
Trusty is not a financial planner, investment advisor, financial advisor, insurance advisor, tax advisor, or legal advisor. Trusty is not a financial institution and is not regulated as one. The content and features provided through the Services are intended for informational and organizational purposes only and are not a substitute for professional advice.
Any summaries, insights, recommendations, categorizations, or other outputs generated by the Services, including outputs produced by Trusty AI or its conversational assistant, are not prepared or reviewed by a licensed lawyer, financial advisor, insurance professional, or estate planner. Trusty AI is a software tool, and interactions with it do not create a professional, fiduciary, or advisory relationship.
Trusty is designed to provide high-level guidance to help users organize, catalogue, and better understand their wealth and estate planning needs. Users are strongly encouraged to consult with qualified legal, insurance, financial, and estate planning professionals before making decisions that require professional expertise.
Trusty does not assume any responsibility for reliance on the Services' outputs or content. You are solely responsible for verifying the accuracy, completeness, and applicability of any information before making financial, legal, or estate planning decisions.
You agree to use the Services only for lawful purposes and in accordance with these Terms. The following restrictions apply to your use of the Services.
You must not:
Copyright Infringement and Unauthorized Material. The Services must not be used to transmit, distribute, or store any material in violation of any applicable law, including any material protected by copyright, trademark, trade secret, or other intellectual property rights without proper authorization, and any material that is obscene, defamatory, constitutes an illegal threat, or violates export control laws. You are solely responsible for all material you input, upload, disseminate, transmit, create, or publish through the Services, and for obtaining all necessary permissions.
Spam and Unauthorized Messaging. The Services must not be used for sending unsolicited bulk or commercial messages in violation of applicable laws, or for running unconfirmed mailing lists or telephone number lists.
Unethical, Exploitative, and Malicious Activity. The Services must not be used for any activity that is designed to harass another individual or group, or to facilitate unauthorized access to any account or electronic resource. This includes, without limitation, denial-of-service attacks, hate speech, advocacy of racial or ethnic intolerance, introduction of viruses or malicious code, network interference, and any activity intended to threaten, abuse, or discriminate against any individual or group.
Fraud and Impersonation. You must not impersonate Trusty, misrepresent a business relationship with Trusty, claim ownership of any Trusty property, impersonate a Trusty Advisor, or otherwise fraudulently gain service or user trust.
In addition to the general restrictions, you must not:
Trusty AI (including its conversational assistant) is a software feature intended to help you organize and understand information within the Services. You must not:
In addition to the general restrictions, Trusty Advisors must not:
You must comply with all applicable local, national, and international laws while using the Services. We provide the Services on the assumption that your use will be consistent with normal personal or authorized professional use. If your usage is excessive, we may restrict capacity or impose additional fees. You are responsible for your own actions and for the actions of anyone who accesses the Services through your Account, whether authorized or unauthorized.
All intellectual property in the Services and the materials contained within the Services is owned by or licensed to Trusty. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for your personal, non-commercial use (or, in the case of Trusty Advisors, for the authorized professional use described in these Terms).
This licence does not constitute a transfer of title and will automatically terminate if you violate any of these Terms. We may also terminate this licence at any time.
You retain all intellectual property rights in the Content you submit through the Services. We do not claim ownership of your Content.
By submitting Content through the Services, you grant Trusty a non-exclusive, royalty-free, transferable, sublicensable, worldwide licence to use, host, store, transmit, process, display, modify, and create derivative works of your Content solely as necessary to operate, maintain, and provide the Services, to deliver Content in accordance with your instructions (including delivery of Wishes), and to improve the Services, all in a manner consistent with your privacy preferences and our Privacy Policy.
In-Product Offers and Contextual Recommendations. In addition to the uses described above, Trusty may use information about your Account, usage patterns, and Content (in aggregate or individually) to surface contextual, in-product recommendations, offers, or promotions relating to: (a) Trusty features, upgrades, or paid subscription tiers; and (b) referral or partner products and services that Trusty reasonably believes may enhance your experience. Such activity is limited to communications delivered within the App, the Portal, or the Website. This does not authorize Trusty to use your data for unsolicited external outreach, email marketing, or third-party advertising outside the Services, except as otherwise permitted by our Privacy Policy and applicable law.
Private by Default. Unless you explicitly share or publish Content, your Content is treated as private and is accessible only to you, to users you have authorized to access your Account (such as a Co-Owner, Collaborator, or connected Trusty Advisor), and to Trusty personnel and service providers as necessary to operate the Services. Content shared with a limited audience through the Services is not thereby made public.
You may terminate the licence described in this Section at any time by deleting your Content or your Account, subject to any retention required by applicable law or for the operation of the Services.
The App allows you to record notes and video messages (“Wishes”) intended for delivery to designated recipients based on triggers you define, including specific dates, life events, or posthumous delivery. By creating a Wish, you acknowledge and agree to the following:
The Services allow you to upload estate planning and financial documents, including wills, trusts, powers of attorney, insurance policies, and related records. An Uploaded Plan may be submitted through the App, through the Portal, or via a secure email link facilitated by our email service provider. You acknowledge that:
No Legal Force. Designations of Heirs, asset assignments, estate preferences, and similar entries recorded within the Services are for informational and organizational purposes only. They do not constitute a will, codicil, trust, beneficiary designation, power of attorney, or other legally binding instrument, and they do not modify, override, or substitute for such instruments. You should consult with a qualified estate planning professional to ensure your wishes are properly documented in accordance with the laws of your jurisdiction.
No Fiduciary Services. Trusty does not act as an executor, trustee, administrator, fiduciary, or beneficiary for any user. The Services do not create any fiduciary obligation on the part of Trusty with respect to user assets or estates.
The Services include Trusty AI, which provides automated asset categorization, verification, and a conversational assistant. When you use Trusty AI, relevant Content and conversation inputs are processed by our AI provider under contractual terms that prohibit the use of your data to train the provider's models.
Trusty AI outputs are generated by software and may be inaccurate, incomplete, or inappropriate for your particular circumstances. Trusty AI outputs are not professional advice. You should verify any Trusty AI output before relying on it, and you should not use Trusty AI outputs as a substitute for the advice of a qualified professional.
Free tier users may be subject to usage limits on Trusty AI features. We reserve the right to apply, modify, or remove usage limits at any time.
The Services may allow you to request a physical estate binder, printed and delivered to you by our print-on-demand fulfillment partner. By requesting physical fulfillment, you acknowledge and agree that:
Certain features of the Services, including Wish delivery and Heir notification, are designed to operate after the death of the Account Owner. These features rely on accurate information and the cooperation of designated individuals. The following provisions apply:
Trusty does not proactively contact Heirs, beneficiaries, Trusty Advisors (other than those with active Accounts), family members, or other individuals named within your Account for marketing, outreach, solicitation, or notification purposes. Trusty and its Trusty Advisors will communicate only with individuals who:
Trusty reserves the right to introduce, in the future, permission-based or consent-driven features that allow you or an authorized user to initiate outbound contact with a listed individual. Any such feature will operate only with the listed individual's consent or through a user-initiated opt-in flow. This Section 18 does not limit Trusty's ability to send system-level communications (such as security notices or legally required notifications) to individuals who have an existing Account with Trusty.
By using the Services, you consent to the automatic download and installation of updates to the App on your device, in accordance with your device settings. Updates may include new features, expanded platform support, bug fixes, and security enhancements.
Remote Feature Changes. We reserve the right to enable, disable, modify, limit, or discontinue any feature of the Services at any time, including through server-side configuration, feature flags, or other remote mechanisms, without the need for a new software release. If a feature is discontinued, we will make commercially reasonable efforts to preserve your Content associated with that feature or provide a means to export it.
The Services incorporate third-party technologies and open-source components, including icon libraries such as Solar (used under an attribution licence), MDI, and Tabler. Attribution for these technologies is provided as required by their respective licences. Our use of these technologies is essential to delivering the Services, and the list of technologies incorporated into the Services may change over time.
A current list of third-party sub-processors is set out in our Privacy Policy.
The Services and all materials provided through the Services are made available on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, Trusty disclaims all warranties, whether express, implied, or statutory, including without limitation any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
To the maximum extent permitted by applicable law, in no event will Trusty, its directors, officers, employees, agents, or suppliers be liable to you or any third party for any indirect, incidental, special, consequential, punitive, or exemplary damages, including without limitation damages for loss of profits, revenue, goodwill, data, or other intangible losses, arising out of or in connection with your access to or use of (or inability to access or use) the Services, regardless of the theory of liability and even if Trusty has been advised of the possibility of such damages.
To the maximum extent permitted by applicable law, Trusty's total aggregate liability to you for all claims arising out of or in connection with these Terms or the Services will not exceed the greater of (a) the amounts you have paid to Trusty (or to an Apple or Google storefront for in-app purchases of Trusty products) in the twelve (12) months preceding the claim, or (b) one hundred Canadian dollars (CAD $100.00).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, Trusty's liability will be limited to the greatest extent permitted by applicable law.
You agree to indemnify, defend, and hold harmless Trusty and its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your Content; or (e) your designation of Heirs, Trusty Advisors, Co-Owners, or other individuals within the Services.
If you are accessing or using the App on an iOS device, the following additional terms apply:
We may suspend or terminate your Account or Trusty Advisor Account and access to the Services immediately, with or without notice, for any reason, including without limitation if you breach any provision of these Terms or engage in conduct that we reasonably believe may expose Trusty or other users to harm or liability.
Upon termination, your right to use the Services will cease immediately. Sections of these Terms that by their nature should survive termination will survive, including without limitation Sections 8 (Disclaimer), 10 (Intellectual Property), 11 (User Content), 14 (Heir Designations), 17 (Death and Posthumous Handling), 18 (No Outbound Contact), 21 (Limitation of Liability), 22 (Indemnification), 26 (Governing Law), and 27 (Dispute Resolution).
Trusty will not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond its reasonable control, including without limitation natural disasters, pandemics, acts of government, power failures, internet or telecommunications failures, or cyberattacks.
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.
You irrevocably submit to the exclusive jurisdiction of the courts of the Province of Ontario for the resolution of any dispute arising out of or in connection with these Terms or the Services. Although the Services are accessible worldwide, our primary audience is in North America.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be severed or modified to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Trusty with respect to the Services and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.
You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction. These Terms will be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.
No failure or delay by Trusty in exercising any right or remedy under these Terms will operate as a waiver of that right or remedy. A waiver of any right or remedy on one occasion will not be construed as a waiver of that right or remedy on any subsequent occasion.
Notices to you may be made via the App, the Portal, by email to the address associated with your Account, or by posting on the Website. Notices to us should be sent to:
Trusty Estate Inc.
Email: legal@withtrusty.com
If you have any questions about these Terms, please contact us at:
Email: legal@withtrusty.com
Website: https://www.withtrusty.com