Terms of Service

Preamble & Acceptance

PLEASE READ THESE TERMS OF SERVICE (“TERMS,” “AGREEMENT”) CAREFULLY BEFORE ACCESSING OR USING THE GOLDEN NAVIGATOR WEBSITE LOCATED AT WWW.GOLDEN-NAVIGATOR.COM OR ITS ASSOCIATED MOBILE APPLICATIONS (COLLECTIVELY, THE “SERVICES”). THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND S&S OPEN DEV LLC DBA GOLDEN NAVIGATOR (“COMPANY,” “WE,” “US,” OR “OUR”).

BY CREATING AN ACCOUNT AND CHECKING THE ACCEPTANCE BOX AND CLICKING “I AGREE” AT ACCOUNT REGISTRATION, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE.

IF YOU DO NOT AGREE TO THESE TERMS IN THEIR ENTIRETY, YOU ARE NOT AUTHORIZED TO USE THE SERVICES. ACCEPTANCE IS NOT REQUIRED TO ACCESS OR VIEW THE GOLDEN NAVIGATOR WEBSITE OR LANDING PAGES.

Section 1 — Description of Services

Golden Navigator provides a digital vault and AI-assisted life management platform designed to help individuals and families organize personal documents, health information, financial records, insurance materials, legacy planning assets, and related sensitive information (collectively, “User Content”). Core features include, but are not limited to:

• Digital Vault: Secure encrypted storage for personal, health, financial, and legacy documents.
• AI-Assisted Navigation: Artificial intelligence tools that assist users in searching, organizing, and summarizing their stored documents and records. See Section 5 for important limitations.
• Trusted Steward Access: Configurable permissions allowing designated individuals to access specified portions of the vault.
• Power of Attorney Hosting: Secure hosting of your executed (signed) Power of Attorney (“POA”) documents. The Services host signed POA documents for storage and reference only; you cannot create, execute, or modify a POA, or change its access permissions or designated holder, through the platform itself. If our automated text recognition (OCR) does not accurately capture the contents of your uploaded POA, you may correct the extracted information so that it accurately reflects your signed document; such corrections update only the information displayed in the Services and do not create, alter, or revoke the underlying legal instrument.
• Emergency Access: [RESERVED] Golden Navigator intends to offer features that allow users to designate certain health information for limited disclosure in emergency situations. This feature is under development and will be described in an updated version of these Terms when available. Until then, emergency access is not a current capability of the Services.
• Task & Workflow Guidance: AI-assisted prompts and task checklists to support life planning milestones.

The Company reserves the right to modify, suspend, or discontinue any feature of the Services at any time with reasonable notice to users.

Section 2 — Eligibility

2.1 Age Requirement

The Services are intended for individuals who are at least eighteen (18) years of age. By using the Services, you represent and warrant that you are 18 years of age or older. We do not knowingly collect personal information from individuals under 18. If we become aware that a user is under 18, we will terminate their account and delete associated data.

2.2 Authority to Act on Behalf of Others

If you are using the Services on behalf of another individual (e.g., as a POA holder or family member), you represent and warrant that you have obtained all legally required consents, authorizations, or legal authority to submit that individual’s information to the platform. You are solely responsible for ensuring the validity of such authority. The Company disclaims all liability arising from unauthorized submission of third-party information.

2.3 Geographic Availability

The Services are intended for use only by individuals located in the United States. We do not offer, market, or direct the Services to individuals outside the United States, and we make no representation that the Services are appropriate or available for use in other jurisdictions. If you access the Services from outside the United States, you do so on your own initiative and at your own risk, and you are responsible for compliance with all applicable local laws.

Section 3 — Account Registration & Security

3.1 Account Creation

To access the Services, you must register for an account by providing accurate, current, and complete information, and by providing explicit acceptance of these Terms via the checkbox and “I Agree” mechanism at registration. You agree to maintain and promptly update your account information to keep it accurate and complete.

3.2 Account Credentials

You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately through our contact form of any unauthorized use of your account or any other breach of security. The Company will not be liable for any loss or damage arising from your failure to protect your credentials.

3.3 One Account Per User

You may not create multiple accounts for the same individual user. The Company reserves the right to terminate duplicate accounts. If you have inadvertently created multiple accounts, please reach us through our contact form for assistance.

3.4 Two-Factor Authentication

Golden Navigator verifies your identity when you sign in using a one-time code sent to the email address on your account, delivered through Amazon Web Services (AWS) Simple Email Service (SES). You may also register a passkey — a sign-in method built into your device, such as a fingerprint, face scan, or device PIN. Golden Navigator does not send SMS (text) messages; phone numbers previously collected for SMS verification are retained only as a consent record and are not used.

Section 4 — User Content & License

4.1 Ownership of User Content

You retain all ownership rights in the documents, information, files, and data you upload or store within the Services (“User Content”). These Terms do not transfer ownership of your User Content to the Company.

4.2 License Grant to Company

By uploading or storing User Content on the Services, you grant the Company a limited, non-exclusive, non-transferable, royalty-free license to store, process, transmit, and display your User Content solely to the extent necessary to provide the Services to you and your authorized Trusted Stewards. This license terminates upon deletion of your account and associated data, subject to Section 11.

4.3 Responsibility for User Content

You are solely responsible for all User Content you upload. You represent and warrant that: (a) you have all necessary rights to upload and share the User Content; (b) your User Content does not infringe any third-party intellectual property, privacy, or other rights; and (c) your User Content does not violate any applicable law.

4.4 Sensitive Personal Information

You acknowledge that the Services are designed to store Sensitive Personal Information (“SPI”), including health markers, insurance details, and financial account information. You assume responsibility for the decision to store such information and for maintaining access controls appropriate to its sensitivity.

4.5 AI Use of User Content

The Company will not use your identifiable User Content to train, fine-tune, or develop AI models. Our AI services are hosted through AWS Bedrock, which does not use customer data for model training or improvement. Separately, we may de-identify and aggregate data so that it can no longer reasonably be used to identify you, and may use that de-identified data to improve the Services and to develop, train, and improve our AI systems, as further described in Section 4.6.

4.6 De-Identified Data and Service Improvement

We may aggregate, de-identify, and otherwise process information collected through the Services such that it can no longer reasonably be used to identify any individual user. Such de-identified data may be used for any lawful purpose, including to develop, train, and improve our artificial intelligence systems, algorithms, and service offerings. We will not attempt to re-identify any de-identified data except as necessary to evaluate the effectiveness of our de-identification processes. De-identified data is not subject to the restrictions otherwise applicable to personal information or protected health information under this Agreement.

Section 5 — Artificial Intelligence Features

5.1 Nature of AI Assistance

The Services include AI-powered tools designed to help you search, organize, and navigate your stored files and records. These tools are intended to assist you — not to replace your own judgment or the judgment of qualified professionals.

5.2 No Professional Advice

The Company is not a licensed healthcare provider, medical professional, law firm, financial advisory firm, or insurance broker. The AI features within the Services do not constitute and should not be relied upon as medical advice, legal advice, financial advice, or insurance guidance. Any output generated by the AI tools is informational in nature only.

You should always consult a qualified professional — including but not limited to a physician, attorney, financial advisor, or insurance professional — before making decisions based on information retrieved or organized by the Services.

5.3 AI Accuracy Limitations

AI-generated outputs may contain errors, omissions, or outdated information. The Company does not warrant the accuracy, completeness, or fitness for purpose of any AI-generated results. You assume full responsibility for independently verifying any AI output before acting on it.

5.4 No Fiduciary Relationship

No fiduciary, attorney-client, physician-patient, or other privileged relationship is created between you and the Company by virtue of your use of the Services or the AI features.

Section 6 — Trusted Stewards & Authorized Access

6.1 Designating Trusted Stewards

You may designate one or more individuals as “Trusted Stewards” (each, a “Steward”) within your account settings, including any individual you have appointed as a Power of Attorney. Designating a Steward does not, by itself, give that individual access to any of your information. A named Steward can access nothing until that individual has (a) created their own Golden Navigator account and (b) reviewed and accepted these Terms of Service. Until both steps are complete, no information is shared, regardless of what you have designated. Stewards receive read-only access to the information you designate; they may not modify, delete, or add to your stored content.

6.2 Levels of Access

Once a Steward has enrolled (created an account and accepted these Terms), the information available to that Steward is determined as follows:

• Basics (default). By default, an enrolled Steward is granted access to the information in your Basic mission (the “Basics”).
• Information you designate. Beyond the Basics, you choose what additional User Content, if any, a Steward may access, and how each item is authorized:
  • “Share Now.” Information you authorize for Share Now is available to an enrolled Steward when available — that is, as soon as the Steward is enrolled and the information is in your account.
  • “Only If Needed.” Information you authorize as Only If Needed is not shared when the Steward enrolls. It remains withheld unless and until it is requested and released through the Share When Needed process described in Section 6.6.

You may change these authorizations at any time.

6.3 Scope and Your Control

You control the scope of each Steward’s access, and access is subject to any triggering conditions you define (such as a waiting period). As Golden Navigator evolves, we intend to provide increasingly granular controls over access scope, including the ability to limit access by document type, category, and time period. You are responsible for reviewing and updating your Steward designations and authorizations as your circumstances change. You may turn off or revoke a Steward’s access at any time.

6.4 Company’s Role

The Company acts solely as a technology platform facilitating access between you and your designated Trusted Stewards. The Company does not verify the identity, qualifications, or authority of Trusted Stewards beyond what is technically implemented in the platform. The Company is not liable for actions taken by Trusted Stewards with access you have authorized. It remains your responsibility to choose your Stewards carefully and to keep your designations current.

6.5 Death Protocol

In the event of your death or incapacitation, your pre-designated Trusted Steward or a verified Personal Representative (e.g., executor, legal next of kin) may contact us to request access to your vault. We will require appropriate documentation (such as a death certificate or legal authority documentation) before transferring access. Our review of this documentation is conducted manually, and access is not granted until that review is complete. Access will be limited to the scope you authorized during your lifetime. If you have not designated a Trusted Steward, we will make reasonable efforts to work with your Personal Representative.

6.6 Share Later Protocol; Share When Needed

Overview and status. The “Share Later Protocol” is a set of features, currently under development, that allow information you have designated as Only If Needed to be shared with a Steward at a future time upon request, rather than when the Steward enrolls. Not all Share Later Protocol features are available yet; the option currently offered is “Share When Needed,” described in this Section. The requirements and timeframes below are still being finalized, and we may modify, add conditions to, suspend, or withdraw the Share Later Protocol or any part of it (including Share When Needed) at any time.

Requesting access; 48-hour notice. A Steward who has enrolled (created an account and accepted these Terms) may request access to information you have authorized as Only If Needed. When we receive such a request, we will attempt to notify you using the contact information in your account. If you do not decline the request within forty-eight (48) hours of our notice, the requested information will be shared with the Steward following that period. You may decline a request at any time before sharing occurs.

Logging and transparency. Each instance in which a Steward accesses your information will be logged, and a record of that access will be posted to your portal so that you can see what was accessed and when.

Your control. You may turn off a Steward’s access at any time, including where you determine you no longer need that Steward. Turning off access does not remove the individual as a Steward; unless and until you remove them as a Steward, that individual remains a Steward on an Only If Needed basis and may request access again in the future.

Our discretion; additional verification. If we have any concern regarding a request, a Steward, or the security of your account, we may request additional information or verification before sharing, and we may delay, limit, or decline to share while we review. This discretion is in addition to, and does not limit, the Company’s role and disclaimers in Section 6.4.

6.7 Emergency Personnel Access [Reserved]

Emergency personnel access is a planned feature that is not currently available. Golden Navigator intends to offer functionality allowing users to designate certain health information for limited disclosure to emergency responders in emergency situations. This feature is under development and will be described in an updated version of these Terms when available. Until then, emergency access is not a current capability of the Services.

Section 7 — Subscriptions, Fees & Billing

The following provisions will take effect when Golden Navigator transitions from its current beta program to paid subscription service. During the beta period, the Services are provided at no cost.

7.1 Subscription Plans

The Services are offered on a paid subscription basis. Subscription plans are available on a monthly or annual billing cadence. Details on current pricing and any available discounts are published on the Golden Navigator website at www.golden-navigator.com. The Company reserves the right to update pricing at any time, subject to the advance notice requirements in Section 7.5.

7.2 Billing & Auto-Renewal

Subscriptions automatically renew at the end of each billing cycle unless cancelled prior to the renewal date. You authorize the Company to charge your payment method on file at the start of each renewal period. You are responsible for maintaining a current, valid payment method.

7.3 Trial Period & Refund Policy

New subscribers are entitled to a full refund if they cancel within thirty (30) days of their initial subscription date (the “Trial Window”). No prorated refunds will be issued for cancellations after the Trial Window has expired. Refund requests within the Trial Window should be submitted through our contact form.

7.4 Failed Payments & Lapsed Subscriptions

If a payment fails, we will make reasonable attempts to notify you. Access to the Services will remain active during a brief grace period following a failed payment, after which access will be suspended until payment is resolved.

If your subscription lapses, your data will be retained but inaccessible until your subscription is reinstated. If your subscription has been lapsed for more than sixty (60) days, a reinstatement fee may apply to reactivate your account. You may export your data at any time prior to or during a lapse, as described in Section 8.

7.5 Price Changes

The Company reserves the right to change subscription pricing at any time. We will provide at least thirty (30) days’ advance written notice of material price changes via email. Continued use of paid Services after the effective date of a price change constitutes acceptance of the new pricing.

Section 8 — Data Export & Portability

8.1 Right to Export

You may download your uploaded documents at any time through your account. Individual document downloads are available on demand. We are developing additional export features, including the ability to download a comprehensive package of your stored information. We encourage you to maintain your own copies of important documents alongside those stored in Golden Navigator.

8.2 Export Upon Cancellation

We strongly encourage you to export your data before requesting account deletion. Once deletion is confirmed, your data will be scheduled for permanent removal in accordance with our data retention policies. Data export may not be available after deletion has been initiated.

8.3 Export Following Company-Initiated Termination

If your account is terminated by the Company, you will generally retain the ability to export your User Content within a defined window following termination notice. However, the Company reserves the right to deny export access in cases involving unauthorized access, fraudulent conduct, or other material security violations, where export access would pose a risk to platform integrity or other users.

Section 9 — Intellectual Property

9.1 Company Ownership

All content, technology, design, trademarks, trade names, service marks, logos, software, algorithms, AI models, and other intellectual property comprising or related to the Services (excluding User Content) are owned by or licensed to S&S Open Dev LLC and are protected under applicable intellectual property laws.

9.2 Limited License to User

Subject to these Terms, the Company grants you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use the Services solely for your personal, non-commercial purposes.

9.3 Feedback

If you provide the Company with feedback, suggestions, or ideas regarding the Services (“Feedback”), you grant the Company a perpetual, irrevocable, royalty-free license to use such Feedback for any purpose without obligation or compensation to you.

Section 10 — Security Practices

Golden Navigator voluntarily aligns its security practices with the physical and technical safeguard standards established under HIPAA, reflecting our commitment to protecting sensitive health and personal information. A description of our security practices is available on our website. While no method of data transmission or storage can be guaranteed to be 100% secure, we are committed to using commercially reasonable means to protect your information.

Section 11 — Third-Party Services & Links

The Services may contain links to third-party websites or may integrate with third-party services. The Company does not control and is not responsible for the content, privacy practices, or terms of service of any third-party site or service. Linking to a third-party site does not constitute endorsement by the Company.

The Services rely on third-party infrastructure and service providers to operate. Your interactions with any third-party services linked from within the platform are governed by those third parties’ own terms and privacy policies.

Section 12 — Termination & Account Deletion

12.1 Termination by User

You may cancel or delete your account at any time through your account settings or by contacting us through our contact form. Upon account cancellation, your data is retained until you explicitly request deletion, at which point it will be recoverable for thirty (30) days before permanent deletion, except to the extent we are required to retain certain information to comply with applicable law or legal process, consistent with our Privacy Policy. We encourage you to export your data before requesting deletion.

12.2 Termination by Company

The Company may suspend or terminate your account, with or without notice, for: (a) material violation of these Terms; (b) non-payment of applicable fees for more than sixty (60) days; (c) fraudulent or illegal activity; or (d) any conduct that the Company determines, in its sole discretion, poses risk to the platform or other users.

12.3 Effect of Termination

Upon termination, your license to use the Services immediately ceases. Sections 4.1, 5.4, 9, 13, 14, 15, and 17 of these Terms survive termination.

Section 13 — Disclaimers of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

THE COMPANY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RISKS ASSOCIATED WITH THE USE OF THE SERVICES AND ANY CONTENT ACCESSED THROUGH THE SERVICES.

Section 14 — Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL S&S OPEN DEV LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES.

IN NO EVENT SHALL THE COMPANY’S AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES EXCEED THE GREATER OF: (A) THE TOTAL AMOUNTS PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY.

Section 15 — Indemnification

You agree to indemnify, defend, and hold harmless S&S Open Dev LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your User Content; (c) your violation of these Terms; (d) your violation of any applicable law; or (e) your unauthorized submission of third-party personal information.

Section 16 — Dispute Resolution & Arbitration

16.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions.

16.2 Informal Resolution

Before initiating formal dispute proceedings, you agree to contact us through our contact form and provide written notice describing the nature of your claim and the relief sought. We will make good-faith efforts to resolve the dispute within thirty (30) days of receiving such notice. This informal resolution period is a prerequisite to initiating arbitration, and is designed to resolve most disputes quickly and without formal proceedings.

16.3 Binding Arbitration

If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, including AAA’s batch arbitration procedures where applicable. Arbitration shall be conducted in Virginia or, at your election, by videoconference or telephone. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

16.4 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST THE COMPANY. ALL DISPUTES MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY.

16.5 Small Claims Court Carveout

Notwithstanding the foregoing, either party may bring an individual claim in small claims court if the claim qualifies under that court’s jurisdictional rules.

16.6 Exceptions

Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.

Section 17 — Modifications to Terms

The Company reserves the right to modify these Terms at any time. We will provide at least thirty (30) days’ advance written notice of material changes via email to your registered address. The updated Terms will be posted on the Golden Navigator website with a revised effective date. Your continued use of the Services after the effective date constitutes your acceptance of the modified Terms. Non-material or administrative updates will be reflected solely through a revised effective date, without advance email notice.

If you do not agree to the modified Terms, you must discontinue use of the Services and may request account deletion pursuant to Section 12.

Section 18 — Acceptable Use

You agree not to use the Services to:

• (a) Upload, transmit, or store content that is unlawful, fraudulent, deceptive, or that you do not have the right to share;
• (b) Impersonate any person or entity, or falsely represent your authority to act on behalf of another individual;
• (c) Attempt to reverse engineer, decompile, or extract the underlying code or algorithms of the Services or AI features;
• (d) Use automated tools, bots, or scripts to access, scrape, or extract data from the Services;
• (e) Circumvent, disable, or otherwise interfere with security-related features of the Services;
• (f) Use the Services for any commercial purpose other than those expressly authorized by the Company;
• (g) Introduce malicious code, malware, or disruptive technologies into the Services;
• (h) Violate any applicable federal, state, local, or international law or regulation.

The Company reserves the right to suspend or terminate any account that violates these provisions, with or without prior notice.

Section 19 — General Provisions

19.1 Entire Agreement

These Terms, together with the Privacy Policy and any additional terms applicable to specific features, constitute the entire agreement between you and the Company with respect to the Services and supersede all prior agreements, understandings, and representations.

19.2 Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

19.3 Waiver

The Company’s failure to enforce any provision of these Terms shall not constitute a waiver of its right to enforce that provision in the future.

19.4 Assignment

You may not assign your rights or obligations under these Terms without the Company’s prior written consent. The Company may assign its rights and obligations under these Terms without restriction.

19.5 Force Majeure

The Company shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemics, cyberattacks, or government action.

19.6 No Third-Party Beneficiaries

These Terms are for the sole benefit of the parties hereto and their respective permitted successors and assigns. Nothing herein shall create any third-party beneficiary rights.

Section 20 — Contact Information

If you have questions, concerns, or complaints regarding these Terms, please contact us:

S&S Open Dev LLC dba Golden Navigator

Contact: www.golden-navigator.com/help

Website: www.golden-navigator.com