Terms of Service

1. Overview

The platform provides tools to help you organize personal, financial, legal, insurance, property, and estate-related information, generate task-based plans and workflows, store and categorize documents, and ask questions about your own records. We are not a law firm, financial advisor, healthcare provider, insurance producer, fiduciary, or real estate brokerage.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to create an account or use the platform. By using the platform, you represent that you meet these requirements. The platform is intended for users located in the United States. If you access it from outside the United States, you do so at your own risk and are responsible for compliance with applicable local law.

3. The Service and Your License to Use It

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the platform for your personal or organizational purpose of organizing your information.

4. Account Registration and Responsibility

You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your account credentials, for managing user access and permissions, and for all activity that occurs under your account. You must notify us promptly if you learn of any unauthorized use of your account.

5. Communications Consent

By providing your phone number or email address, you consent to receive account, transactional, security, billing, and service messages from us by email and by SMS or text message at the number and address you provide. Message and data rates may apply, and message frequency varies. You may opt out of non-essential messages at any time by replying STOP to a text message or using the unsubscribe link in an email. We may still send essential service, security, and billing messages while your account is active. You represent that you are the subscriber or an authorized user of any phone number you provide, and you agree to notify us promptly if it changes.

6. Acceptable Use

You agree that you will:

• Provide accurate, current, and lawful information
• Use the platform only for lawful purposes and only as permitted by these Terms

You agree that you will not:

• Upload, store, or share any information about another person unless you have the legal authority or that person's consent to do so
• Upload content you do not own or have the right to use, or that infringes any third party's rights
• Upload unlawful, fraudulent, defamatory, or malicious content
• Impersonate any person or misrepresent your authority to act for another person or organization
• Access, scrape, copy, or harvest data or accounts that are not yours
• Reverse engineer, decompile, probe, or attempt to extract source code or models from the platform
• Interfere with, disrupt, overload, or attempt to gain unauthorized access to the platform, its systems, or other accounts
• Use the platform or any AI output to harm, harass, defraud, or violate the rights of any person
• Build or assist in building a competing product or service, or copy any feature, function, or design of the platform
• Frame or mirror any part of the platform, or publicly publish any benchmark or performance analysis of it
• Circumvent or attempt to circumvent any security, rate-limiting, or access-control measure
• Use automated means to access the platform except as we expressly permit

You represent and warrant that you have all rights, authority, and consents necessary for any information you upload about any other individual, and you accept full responsibility for that information.

7. Your Content

You retain ownership of your content. You grant us a limited, non-exclusive, royalty-free, worldwide license to host, store, copy, process, analyze, transmit, display, and create derived data from your content, and to sublicense these rights to our service providers, solely to operate, secure, support, and improve the platform and to provide the features you use, including automated extraction and the AI assistant, and to make your content available to the users and advisors you choose to invite. We claim no ownership of your content.

8. Our Intellectual Property

The platform, including its software, design, user interface, text, graphics, logos, trademarks, and service marks, is owned by us or our licensors and is protected by applicable law. The name “Lurra” and our logos are our marks and may not be used without our prior written permission. You may not copy, modify, distribute, sell, license, frame, or create derivative works from any part of the platform except as expressly permitted by these Terms.

If you send us ideas, suggestions, requests, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without restriction, attribution, or compensation.

9. AI Features and Automated Outputs

The platform uses automated systems and artificial intelligence to read uploaded documents, extract information (such as names, beneficiaries, account numbers, policy details, and dates), categorize files, generate plans and workflows, and answer questions about your content.

These outputs are generated automatically and may be incomplete, inaccurate, outdated, or wrong. AI systems can misread documents and can produce information that appears confident but is incorrect, including invented or mismatched details. Extracted fields and AI answers are a convenience, not a verified record.

You are solely responsible for reviewing every AI-generated or extracted output against your original source documents before relying on it. Do not rely on AI outputs for any legal, financial, medical, tax, insurance, time-sensitive, or estate-related decision without independently verifying the underlying documents and consulting a qualified professional.

We do not warrant the accuracy, completeness, or reliability of any AI feature, extraction, plan, score, reminder, or answer, and we are not liable for any action taken or not taken in reliance on them.

10. No Professional Advice; Assumption of Risk

All content, workflows, plans, scores, and recommendations are for informational purposes only. You should consult qualified professionals, such as attorneys, financial advisors, accountants, insurance professionals, and medical providers, before making decisions.

You acknowledge that organizing your legal, financial, insurance, property, and estate information is your own self-directed activity. You assume the risks of doing so, including the risk of errors, omissions, outdated information, or reliance on inaccurate outputs, and you are responsible for confirming with qualified professionals that your plans, documents, beneficiary designations, and instructions are valid, complete, and current.

11. No Fiduciary Relationship

Use of the platform does not create any fiduciary, advisory, or professional relationship between you and us. You are solely responsible for decisions made using the platform.

12. Vendor Directory and Third-Party Vendors

The platform may display a directory, listings, or suggestions of third-party vendors and professionals, including but not limited to attorneys, financial advisors, insurance agents, real estate professionals, accountants, and funeral or estate service providers (“Vendors”).

Vendors are independent third parties. They are not employed by, partnered with, agents of, or affiliated with us, and their inclusion is not an endorsement, recommendation, referral, certification, or guarantee of their qualifications, licensing, services, pricing, availability, or conduct. We do not vet, supervise, or stand behind any Vendor, and we owe you no fiduciary or professional duty through any Vendor listing.

Any contact, engagement, transaction, advice, or relationship between you and a Vendor is solely between you and that Vendor. We are not a party to it. You are responsible for independently evaluating, verifying the licensing of, and contracting with any Vendor.

To the fullest extent permitted by law, you agree that we are not responsible or liable for any act, omission, advice, error, service, fee, dispute, loss, injury, or damage arising from or related to any Vendor, and you agree to release and hold us harmless from all claims arising from your interaction with any Vendor.

13. Advisor and Invited-User Access

When you grant any family member, advisor, attorney, accountant, or other person access to your account or content, you do so at your own discretion and risk. You are responsible for deciding whom to invite, what to share, and what role to assign. We are not responsible or liable for how any person you invite uses, stores, discloses, or acts on your content, or for any advice or service they provide, and we are not a party to any relationship or agreement between you and them. You are responsible for removing access when it is no longer appropriate.

14. Permissions and Shared Access

You may invite others to access your account. You control who has access, you are responsible for assigning roles, and we are not responsible for misuse by invited users.

15. Account Holder Death or Incapacity

You may be able to designate trusted contacts or assign access roles within your account. We are not responsible for keeping those designations current, and we are not an executor, trustee, or legal representative of any account or estate.

If we receive notice that an account holder has died or become incapacitated, we may, at our discretion and to the extent permitted by law, restrict the account, maintain access for previously authorized users, or provide access to a person who presents documentation we reasonably consider sufficient, such as a death certificate, court order, or proof of authority. We are not obligated to resolve disputes among family members, heirs, or representatives, and we are not liable for granting or denying access in good faith. Access to and disposition of account contents may also be governed by applicable law on fiduciary access to digital assets.

16. Subscriptions, Automatic Renewal, and Cancellation

The platform offers paid subscriptions. Fees, billing periods, and included features are disclosed at the time of purchase, and all fees are in U.S. dollars.

Automatic renewal: paid subscriptions automatically renew at the end of each billing period (monthly or annual, as selected) for another period of the same length, and your payment method will be charged the then-current fee, unless you cancel before the renewal date. By subscribing, you authorize us and our payment processor to charge your payment method on a recurring basis until you cancel.

Cancellation: you may cancel at any time through your account settings or by emailing support@lurra.ai. Cancellation takes effect at the end of the current billing period. Except where required by law, fees already charged are non-refundable, and you keep access through the end of the period you paid for.

Payments are processed by a third-party payment processor. We do not store your full payment card details, and we are not responsible for the acts or omissions of the processor. If your payment method fails or a payment is past due, we may suspend or terminate your access. We may change pricing with reasonable notice, effective at your next renewal.

17. Service Availability and Beta Features

We may modify, suspend, or discontinue features and perform maintenance or updates. We do not guarantee uninterrupted or error-free operation.

Some features may be offered on a beta, preview, early-access, or “coming soon” basis. These features may be incomplete, may change, and may be modified or withdrawn at any time without notice. Beta and preview features are provided “as is,” without warranty, and should not be relied upon.

18. Security Disclaimer

While we implement reasonable safeguards, we do not guarantee complete security, and you assume the risk for storing information on the platform.

19. Disclaimer of Warranties

The platform, including all features, AI outputs, plans, scores, content, and Vendor listings, is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory.

To the fullest extent permitted by law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the platform will be uninterrupted, secure, error-free, or that any output, extraction, or answer will be accurate or complete.

20. Limitation of Liability

To the fullest extent permitted by law:

The platform is a tool for organizing information. We are not liable for any financial loss, legal outcome, missed deadline or obligation, tax or insurance consequence, data loss, unauthorized access, or any decision made or not made based on the platform, its AI outputs, extracted data, plans, scores, or reminders.

We will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or opportunity, even if we have been advised of the possibility of such damages.

Our total aggregate liability for all claims arising out of or relating to the platform or these Terms will not exceed the greater of (a) the total amount you paid us in the twelve (12) months immediately before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

We are not liable for any unauthorized access to, disclosure of, or loss of your content or information, except to the extent it results from our gross negligence or willful misconduct. Multiple claims will not enlarge this limitation. This limitation applies even if any remedy is found to fail of its essential purpose.

These limitations apply to all claims, whether based in contract, tort, negligence, strict liability, or otherwise, and form an essential basis of the agreement between you and us. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case our liability is limited to the maximum extent permitted by law.

21. Indemnification

You agree to defend, indemnify, and hold harmless Lurra and its officers, employees, contractors, and agents from and against any claims, demands, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your use of the platform
• Your content, including any information you upload about another person
• Your violation of these Terms or any law
• Your violation of any right of any third party, including any Vendor or invited user
• Any access or action taken by users you invite to your account

We may assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense. This obligation survives termination of your account.

22. Analytics and De-Identified Data

We may collect and use aggregated and de-identified data and usage analytics that do not identify you, in order to operate, secure, analyze, and improve the platform, and we own that aggregated and de-identified data. Nothing in this section permits us to use your identifiable documents or content to train general-purpose artificial intelligence models, which is addressed in our Privacy Policy.

23. Organizational and Enterprise Accounts

If you access the platform under an organizational, employer, team, or enterprise plan (“Organization Account”), the following apply.

Where a separate order form, enterprise agreement, or master services agreement is signed, that document governs and controls over these Terms to the extent of any conflict. Absent such a document, these Terms govern.

The organization is the account owner and is responsible for all use of its Organization Account, for managing the access and roles of its administrators, employees, and invited users, and for all activity under the account. The organization represents and warrants that it has the authority and all necessary consents to invite its employees, clients, or members and to provide or store any information about them, and that it has given any notices required by law.

The platform is an organizational tool only. Nothing in an Organization Account creates any professional, advisory, fiduciary, employment, or benefits relationship between us and the organization, its employees, its clients, or its members. All disclaimers, the disclaimer of warranties, the limitation of liability, the AI features disclaimer, and the indemnification in these Terms apply equally to the organization and to each of its end users.

Our total aggregate liability arising out of or relating to an Organization Account will not exceed the fees paid by the organization to us under the applicable order form or plan in the twelve (12) months before the event giving rise to the claim.

Fees, seat counts, billing cycles, and feature entitlements are as stated in the applicable order form or plan and are non-refundable unless that document states otherwise. We may suspend or terminate an Organization Account for non-payment or for breach of these Terms or the order form.

24. Termination

We may suspend or terminate your account if you violate these Terms or if misuse or abuse is detected. You may terminate your account at any time.

You are responsible for exporting or saving any content you wish to keep before your account is terminated, expires, or is deleted. After the retention period described in our Privacy Policy, your content is permanently deleted and we are not obligated or able to recover it. We are not liable for any loss of content following termination, expiration, or deletion of your account.

25. Time Limit on Claims

To the extent permitted by law, any claim or cause of action arising out of or relating to the platform or these Terms must be filed within one (1) year after the claim or cause of action arose. After one year, the claim is permanently barred.

26. Governing Law

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-laws rules.

27. Dispute Resolution and Arbitration

Before filing any claim, you and we agree to first try to resolve the dispute informally by contacting support@lurra.ai and allowing thirty (30) days to resolve it.

Except for the carve-outs below, any dispute arising out of or relating to these Terms or the platform will be resolved by binding individual arbitration administered in the State of Colorado, and not in court. You and we waive the right to a jury trial and the right to participate in any class, collective, or representative action.

Carve-outs: either party may bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in court to protect intellectual property or stop unauthorized access or misuse.

Opt-out: you may opt out of this arbitration agreement by sending written notice to support@lurra.ai within thirty (30) days of first accepting these Terms. If you opt out, disputes will be resolved in the state or federal courts located in Colorado.

28. Copyright Complaints

If you believe content on the platform infringes your copyright, send a notice to support@lurra.ai that includes: identification of the copyrighted work, identification of the allegedly infringing material and where it is located, your contact information, a statement that you have a good-faith belief the use is not authorized, and a statement that the information in your notice is accurate. We may remove allegedly infringing content and may terminate the accounts of repeat infringers.

29. Changes to These Terms

We may give notice of changes to these Terms by email, by posting within the platform, or by posting the revised Terms with an updated date at the top. Changes are effective when posted, and your continued use after that constitutes acceptance.

30. Apple App Store Terms

If you download the platform from the Apple App Store, you acknowledge that these Terms are between you and us only, not Apple, and that Apple is not responsible for the application or its content. Apple has no obligation to provide any maintenance or support for the application. To the extent there is any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any; otherwise Apple has no warranty obligation. We, not Apple, are responsible for addressing any claims relating to the application, including product-liability, regulatory, and intellectual-property claims, to the extent required by these Terms. You represent that you are not located in a country subject to a U.S. Government embargo or designated as terrorist-supporting, and that you are not on any U.S. Government list of prohibited or restricted parties. You agree that Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

31. California Users

Under California Civil Code Section 1789.3, California users are entitled to the following notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite N-112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

32. General

These Terms, together with any order form or enterprise agreement and the Privacy Policy, are the entire agreement between you and us regarding the platform and supersede any prior agreements. If any provision is found unenforceable, the rest remains in effect and the unenforceable provision is modified to the minimum extent necessary. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for any failure or delay caused by events beyond our reasonable control. The sections on AI features, acceptable use, disclaimers, limitation of liability, indemnification, time limit on claims, and dispute resolution survive termination.

33. Contact

For questions, contact support@lurra.ai.