Terms of service

LifQ is for adults 18 and over. During the private beta, access is by invitation and is limited to residents of Nevada, Texas, Virginia, New Jersey and Pennsylvania. By accepting an invitation you confirm that you are 18 or over and that you live in one of those states. If you move out of them while the beta is running, tell us and we will talk you through your options. Parents and legal guardians may manage information relating to their dependents where the law permits.

LifQ is currently in private beta. Beta features may change or be discontinued as we learn. That is what a beta is. Two things are not beta-flexible: your data and your notice. Leaving the beta, or the beta ending or converting to a paid service, never deletes your data outside the process in our privacy policy, and we will not begin charging beta users anything without clear advance notice.

You are responsible for keeping your login credentials secure and for the accuracy of what you upload. When you invite household members, each invited adult accepts these terms and the privacy terms for themselves. Your acceptance never binds another adult. By uploading a document, you represent that you have the right to store and process it in LifQ. Documents about another adult in your household are read and shared only after that person’s own consent, as the privacy policies describe. Guardians may act for their dependents.

Use LifQ only for lawful purposes related to managing your own household’s benefits, warranties, memberships, and insurance. Do not attempt to reverse-engineer the service, probe or breach its security, access another household’s data, use LifQ to infringe anyone’s rights, or use it in any way that could harm other users or the service.

Your documents are yours. So that LifQ can work, you grant us a non-exclusive, worldwide, royalty-free license to host, copy, transmit, extract, transform, summarize, and display the content you upload, solely to provide, secure, and support LifQ and as permitted by the privacy policies. We may sublicense only to the service providers named in section 6 of our privacy policy, acting on our instructions. This license is never a right to sell your content, never a right to use it to train general-purpose AI models without your separate affirmative opt-in, and it ends when you delete the content or close your account, surviving only for the limited backup and legal-retention periods the privacy policy discloses.

LifQ uses AI to read your documents and restate what they say, and we use reasonable measures designed to make that processing accurate. Even so, AI output can be incomplete or incorrect, and policy language is dense. LifQ’s output is informational: it is not insurance, legal, tax, or financial advice, and LifQ is not an insurance company, agency, broker, or licensed professional. Your actual policy documents are the authority. Where LifQ and your policy disagree, your policy governs, and decisions about buying, keeping, or changing coverage belong with you, your carrier, or a licensed professional. Verify coverage details that matter before you act on them. See our full disclaimer for the complete picture of what LifQ does and does not do.

LifQ is an organizational tool. Please do not rely on it as your only way to reach insurance or medical benefit information in an emergency. Keep independent access to anything critical, such as your insurer’s app or phone line and physical cards. Like any online service, LifQ can be temporarily unavailable, and availability is not guaranteed. This section describes what LifQ is built for. It does not reduce the commitments we make elsewhere in these terms or in the privacy policies.

LifQ is free during the beta for accepted applicants. Paid subscriptions are not yet available, and we have not set prices for after the beta. When paid plans open, they will renew automatically at the price we publish before you are charged, until you cancel. Before you are charged anything, the purchase screen itself will show the exact amount, the renewal cadence, the renewal price, and how to cancel, and cancellation will always be available online, in about two clicks, with no phone call. We will send renewal reminders where the law requires them and honor the automatic-renewal laws of your state. If we ever change a subscription price, the new price applies only from your next renewal, with advance notice.

LifQ is provided on an “as available” basis. To the extent permitted by applicable law, we disclaim implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. Some states do not allow limitations on implied warranties, so parts of this section may not apply to you. This section does not shrink the specific commitments we make in these terms and the privacy policies. Those stand.

To the extent permitted by applicable law, neither party is liable for indirect, incidental, special, or consequential damages, and LifQ’s total aggregate liability arising out of these terms or the service is capped at the greater of $500 or the fees you paid us in the twelve months before the event giving rise to the claim. The $500 floor applies even while LifQ is free.

This cap does not apply to our fraud, willful misconduct, or gross negligence where the law so provides, and it never limits rights or remedies that applicable law does not allow us to limit, including your remedies under the consumer protection and health-privacy statutes of your state, including Nevada’s consumer health data law, and your state’s data-breach laws. Nothing in these terms makes our privacy, security, deletion, or breach-notification commitments non-actionable. If any part of this section is unenforceable where you live, it applies to the maximum extent your law permits.

You can stop using LifQ and close your account at any time. The privacy policy’s deletion process then applies.

We can suspend or terminate an account immediately only for security threats, fraud, illegality, or serious abuse. For any other material breach we will notify you and give you a reasonable opportunity to fix it. If LifQ permanently discontinues the service, we will give at least 30 days’ advance notice where practicable, provide a window to export your documents and data, refund any unused prepaid subscription amounts, and only then run the privacy policy’s deletion process. Your data never simply vanishes.

For material changes we will give at least 30 days’ notice by email and prominently in the app before the change takes effect. Continuing to use LifQ after that date is acceptance. There is one exception, and it is absolute: where a change involves collecting new consumer health data or using it for a new purpose, continued use is never consent. That always requires your separate affirmative opt-in under the consumer health data privacy policy. Non-material fixes such as typos and clarifications may take effect on posting, with the date above updated.

These terms are governed by the laws of Nevada, without regard to conflict-of-law rules, but this never deprives you of the mandatory consumer protections of the state where you live, and disputes may be brought in the courts of Clark County, Nevada or your local small-claims court. Nothing in these terms limits your right to complain to your state attorney general or any regulator.

You may not assign these terms. We may assign them only in connection with a merger, acquisition, or sale, and only to a successor that assumes our obligations, including every commitment in the privacy policies, with the direct notice and pre-transfer deletion opportunity the privacy policy promises.

If any provision of these terms is found unenforceable, the rest remain in effect (severability). These terms plus the incorporated policies are the entire agreement about the service. Neither party is liable for delay or failure caused by events beyond its reasonable control (force majeure), but this never excuses our data-deletion, breach-notification, or privacy obligations, only performance delays while the event lasts. Not enforcing a provision once is not a waiver of it.

Questions about these terms: legal@lifq.ai. Help with your account: support@lifq.ai.