Terms of Service

Last updated: April 17, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") are a legal agreement between you and Sema Legacy LLC, a limited liability company ("Sema Legacy", "we", "our", or "us"). By creating an account or using Sema Legacy, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the service.

Electronic communications (E-SIGN consent). You consent to receive all agreements, notices, disclosures, and other communications from us electronically, including these Terms, the Privacy Policy, subscription receipts, and legally required notices. You agree that electronic delivery satisfies any legal requirement that such communications be in writing. You may withdraw this consent by closing your account; withdrawal does not apply retroactively to communications already delivered.

2. Description of Service

Sema Legacy provides interactive assessments, educational content, planning checklists, document storage, and AI-powered tools to help individuals and families evaluate their readiness across estate planning, Medicare, long-term care, retirement planning, Social Security, tax planning, and special needs planning.

3. Not Legal, Financial, or Medical Advice

Your protection score, checklists, action plan, AI outputs, and any templates or sample documents are based on your self-reported answers and general educational frameworks. They are illustrative and for informational purposes only. They are not personalised professional advice, are not guaranteed to be accurate or current, and may not reflect your specific legal, tax, or financial situation.

No professional relationship. Your use of Sema Legacy does not create an attorney-client, accountant-client, financial-advisor-client, insurance-agent-client, broker-dealer, investment-adviser, or fiduciary relationship between you and Sema Legacy or any of its operators, contractors, or agents. Sema Legacy is not a law firm, accounting firm, financial advisory firm, insurance agency, broker-dealer, or registered investment adviser. No one at Sema Legacy is your lawyer, accountant, advisor, agent, or fiduciary. Communications you send through the platform are not privileged or confidential in the way communications with a licensed professional are.

Not a substitute. Sema Legacy is not a substitute for a licensed professional. Any templates, checklists, questions, summaries, or example documents are educational. A checklist item marked "complete" does not mean your legal plan is adequate. A protection score is not a guarantee of outcome. Laws vary by jurisdiction and change over time. You are solely responsible for verifying any information with a qualified professional before acting on it.

Legal information, not legal services. Sema Legacy provides legal information and general educational resources — not legal services. We do not review your particular situation, apply the law to your facts, draft documents for you, represent you in any matter, or render legal opinions. No employee, contractor, or agent of Sema Legacy is acting as a Certified Financial Planner (CFP), Enrolled Agent (EA), Chartered Financial Analyst (CFA), attorney, insurance producer, or any other licensed professional in providing the service to you, even if any individual happens to hold such a credential. If you need advice applied to your specific circumstances, retain a licensed professional in your jurisdiction.

4. Eligibility

You must be at least 18 years old to use Sema Legacy. By using the service, you represent that you meet this requirement.

5. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at hello@semalegacy.com if you suspect unauthorised access.

You may not share your account with others. The Family Plan allows you to invite specific family members under a single account — use that feature for shared access.

6. Acceptable Use

You agree not to:

• Use the service for any unlawful purpose
• Attempt to gain unauthorised access to other accounts or systems
• Submit false or misleading information
• Reverse engineer, scrape, or copy content from the platform
• Use the service in a way that could harm or overload our infrastructure
• Attempt to circumvent any rate limits or security measures
• Use the service to practise law, provide financial, tax, or insurance advice, or otherwise hold yourself out as a licensed professional in reliance on our content

6a. Information About Other People

Some features (the Family Plan, advisor share, beneficiary planning, and document uploads) may involve personal or financial information about other people — your spouse, children, parents, beneficiaries, or dependents. By entering or uploading information about any third party, you represent and warrant that you have the authority to share that information with Sema Legacy for the purposes described in these Terms and our Privacy Policy. You are solely responsible for obtaining any necessary consent from those individuals. You agree to indemnify Sema Legacy for any claim brought by a third party arising from information about them that you submitted.

7. Subscription and Billing

Some features require a paid subscription. Subscriptions are billed through Stripe. By subscribing, you authorise recurring charges to your payment method at the frequency you select.

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period. We do not offer refunds for partial periods, except where required by applicable law or as described below.

30-day money-back guarantee. If you subscribe and Sema Legacy does not help you identify at least one important gap in your family's protection within 30 days of your first paid charge, you may request a full refund of that charge by emailing hello@semalegacy.com with the subject line "Refund Request." This guarantee applies once per customer. Refunds are processed within 5–10 business days and are not available after 30 days from the first paid charge or after you have requested and received a prior refund.

If a payment fails, we will retry the charge. If payment is not resolved within 7 days, access to premium features may be suspended until payment is updated. Your data will not be deleted during a payment failure grace period.

We reserve the right to change our pricing. We will provide at least 30 days notice of price increases to active subscribers.

8. Free Trial

New accounts receive 2 free assessments with full access to scoring, gap analysis, and action plans. No credit card is required. After your 2 free assessments, continued access to premium features (full action plans, AI guides, document vault, score history) requires a subscription.

9. Intellectual Property

All content, design, assessments, and code on Sema Legacy are owned by Sema Legacy and protected by applicable intellectual property laws. You may not reproduce or distribute our content without written permission.

You retain ownership of any content you upload (documents, photos, assessment answers). By uploading or submitting content, you grant us a limited, non-exclusive, worldwide, royalty-free licence to host, store, display, process, reproduce, and transmit that content — including to our service providers and subprocessors (such as Anthropic for AI features, Cloudflare for storage, and the other processors listed in our Privacy Policy) — solely to the extent necessary to provide the service to you. This licence terminates when you delete the content or close your account, subject to limited retention in automated backups as described in our Privacy Policy. You may not use the service to resell, sublicense, or create derivative commercial products based on our assessments or content.

Feedback. If you send us suggestions, ideas, feature requests, bug reports, or other feedback about the service, you agree that such feedback is non-confidential and that you grant Sema Legacy a perpetual, irrevocable, worldwide, royalty-free licence to use, modify, and incorporate that feedback into the service or other products, without any obligation to compensate or attribute you.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SEMA LEGACY AND ITS OPERATORS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES — INCLUDING LOSS OF DATA, REVENUE, PROFITS, BUSINESS OPPORTUNITIES, TAX BENEFITS, INHERITANCE, INSURANCE PROCEEDS, PROGRAM ELIGIBILITY, SOCIAL SECURITY BENEFITS (INCLUDING LOSSES FROM SUBOPTIMAL CLAIMING TIMING), MEDICARE OR MEDICAID BENEFITS, LONG-TERM CARE BENEFITS, PENSION BENEFITS, OR ANY OTHER GOVERNMENT OR PRIVATE BENEFIT — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, FROM ANY INFORMATION, OUTPUT, SCORE, CHECKLIST, OR AI-GENERATED CONTENT PROVIDED BY THE SERVICE, OR FROM ANY ACTION OR INACTION YOU TAKE IN RELIANCE ON THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $50 USD.

Assumption of Risk. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE AND ANY RELIANCE ON ITS OUTPUTS IS AT YOUR SOLE RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DECISIONS YOU MAKE AND FOR INDEPENDENTLY VERIFYING ANY INFORMATION WITH A LICENSED PROFESSIONAL BEFORE ACTING ON IT. SEMA LEGACY IS NOT RESPONSIBLE FOR, AND DISCLAIMS ALL LIABILITY FOR, ANY DECISION YOU MAKE OR FAIL TO MAKE IN RELIANCE ON THE SERVICE, INCLUDING DECISIONS RELATING TO ESTATE PLANNING, MEDICARE OR BENEFIT ENROLLMENT, LONG-TERM CARE, TAXES, SOCIAL SECURITY TIMING, INSURANCE, OR ANY FINANCIAL OR LEGAL STRATEGY.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages, so the above limitation may not apply to you.

Savings clause. If any portion of this limitation of liability is found invalid or unenforceable by a court of competent jurisdiction, our total cumulative liability shall be reduced to the minimum amount permitted by applicable law, and all other portions of this Section shall remain in full force.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY INFORMATION PROVIDED IS ACCURATE, COMPLETE, OR CURRENT. AI-GENERATED OUTPUTS MAY CONTAIN ERRORS AND SHOULD NOT BE RELIED UPON WITHOUT INDEPENDENT PROFESSIONAL VERIFICATION.

AI-specific disclaimer. YOU EXPRESSLY ACKNOWLEDGE THAT AI-GENERATED OUTPUTS CAN PRODUCE PLAUSIBLE-SOUNDING BUT INCORRECT OR FABRICATED INFORMATION, INCLUDING NON-EXISTENT STATUTES, MADE-UP CASE CITATIONS, INACCURATE DOLLAR THRESHOLDS, INCORRECT BENEFIT AMOUNTS, OUTDATED TAX FIGURES, WRONG FILING DEADLINES, AND MISCHARACTERISED ELIGIBILITY RULES. ANY SPECIFIC LEGAL, NUMERICAL, STATUTORY, OR REGULATORY CLAIM PRODUCED BY AI FEATURES MUST BE INDEPENDENTLY VERIFIED AGAINST AN AUTHORITATIVE PRIMARY SOURCE (THE GOVERNING STATUTE, REGULATION, OFFICIAL AGENCY PUBLICATION, OR A LICENSED PROFESSIONAL) BEFORE YOU RELY ON IT. SEMA LEGACY MAKES NO WARRANTY THAT AI-GENERATED OUTPUTS ARE FACTUALLY ACCURATE, CURRENT, OR COMPLETE.

12. Indemnification

You agree to indemnify, defend, and hold harmless Sema Legacy and its operators, officers, employees, contractors, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the service in violation of these Terms; (b) your violation of any applicable law or regulation; (c) your infringement of any third-party rights; or (d) information about a third party that you submitted to the service.

Defense procedure. We will give you prompt written notice of any claim for which we seek indemnification. You will have sole control of the defense and settlement of the claim, provided that you (i) will not settle any claim in a way that imposes liability or obligation on us or requires any admission from us without our prior written consent, and (ii) will keep us reasonably informed. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you will cooperate with our defense in that case.

13. Termination

We reserve the right to suspend or terminate accounts that violate these Terms, engage in abusive behaviour, or where required by law. You may delete your account at any time from account settings. Upon termination, your right to use the service ceases immediately. Sections 3, 6a, 9, 10, 11, 12, 14, and 16 survive termination.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. You agree that any dispute arising under these Terms shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, rather than in court. The arbitration shall be conducted in the English language. Unless you and Sema Legacy agree otherwise in writing, the arbitration shall be seated, and any in-person hearing held, in the county where you reside or, at your option, conducted remotely by telephone or video-conference; for claims of $25,000 or less, the arbitration may be conducted on a documents-only basis at your election. YOU AND SEMA LEGACY EACH WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. If the arbitration clause is found unenforceable in whole or in part with respect to any specific claim, that claim shall be brought exclusively in the Superior Court of the State of Delaware or the United States District Court for the District of Delaware, and you consent to personal jurisdiction in those courts.

30-day arbitration opt-out. You have the right to opt out of the arbitration agreement in this Section 14. To opt out, email hello@semalegacy.com within 30 days of first accepting these Terms with the subject line "Arbitration Opt-Out" and include your name, the email address associated with your account, and a clear statement that you wish to opt out. Opting out will not affect any other part of these Terms.

Carveouts. Notwithstanding the above, either party may: (a) seek injunctive or other equitable relief in any court of competent jurisdiction to prevent imminent harm or protect intellectual property; (b) bring an individual claim in a small claims court of competent jurisdiction, provided the claim qualifies under applicable rules; and (c) to the extent required by California Civil Code or other applicable law, bring a claim for public injunctive relief in court. If a claim for public injunctive relief is severed from arbitration, the remaining claims shall still proceed in arbitration.

Notice of Dispute. Before initiating arbitration, the party raising a dispute must first send a written Notice of Dispute to the other party describing the claim and proposed resolution, and the parties shall attempt in good faith to resolve it informally for 30 days.

One-year limitation. To the extent permitted by applicable law, any claim or cause of action arising out of or related to these Terms or your use of the service must be filed within one (1) year after the claim or cause of action arose, or it is permanently barred. This provision does not apply where a longer minimum limitation period is mandated by a non-waivable consumer-protection statute in your jurisdiction.

15. California Users — Auto-Renewal Disclosure

This disclosure is provided pursuant to California Business and Professions Code Section 17600 et seq. and applies to all subscribers. The free trial, if any, ends at the date stated at signup; unless you cancel before the trial ends, your subscription will begin automatically at the rate disclosed at signup.

16. General

Severability. If any provision of these Terms is found invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force.

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Sema Legacy regarding the service and supersede any prior agreements.

Waiver. Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision.

Force Majeure. We shall not be liable for any delay or failure in performance resulting from causes beyond our reasonable control, including natural disasters, acts of government, or internet outages.

DMCA — Takedown Notice. We respect intellectual property rights. If you believe content on the platform infringes your copyright, send a DMCA notice to hello@semalegacy.com including: identification of the work, location of the infringing material, your contact info, a statement of good faith belief that the use is not authorised, a statement under penalty of perjury that the information is accurate and you are authorised to act on behalf of the rights holder, and your physical or electronic signature.

DMCA — Counter-Notice. If your content was removed in response to a DMCA notice and you believe the removal was mistaken or the content is non-infringing (for example, fair use), you may submit a counter-notice to hello@semalegacy.com including: identification of the material removed and its prior location; a statement under penalty of perjury that you have a good-faith belief the material was removed as a result of mistake or misidentification; your name, address, and phone number; and a statement that you consent to the jurisdiction of the federal district court for the district in which your address is located (or the District of Delaware if outside the United States) and that you will accept service of process from the complaining party. Upon receipt of a valid counter-notice, we will forward it to the original complainant and may restore the material after 10 business days unless the complainant files a court action. Repeat infringers. We will terminate the accounts of users who are repeat infringers, in appropriate circumstances, as required by 17 U.S.C. § 512(i).

No third-party beneficiaries. These Terms are for the benefit of the account holder and Sema Legacy only. No third party — including invited family members, beneficiaries referenced in your assessments, advisors with whom you share an advisor-share link, or any other person — is a third-party beneficiary of these Terms and no such person may bring a claim under these Terms.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms, in whole or in part, to any successor in connection with a merger, acquisition, reorganisation, or sale of assets.

Export and sanctions compliance. You represent that you are not located in a country subject to comprehensive U.S. trade sanctions and that you are not listed on any U.S. government list of prohibited or restricted parties.

17. Changes to These Terms

We may update these Terms from time to time. We will notify you of any changes by email. For non-material changes (such as typographical corrections, clarifications, or changes that do not affect your rights or obligations), continued use of the service after the updated Terms are posted constitutes your acceptance. For material changes — including changes to the arbitration clause, limitation of liability, payment terms, or privacy practices — we will provide at least 14 days' advance notice by email and will require you to affirmatively accept the updated Terms via an in-product prompt before you can continue to access your dashboard. If you do not accept a material change, you may cancel your subscription and close your account before the change takes effect.

18. Contact

Questions about these Terms? Email us at hello@semalegacy.com. Our legal name is Sema Legacy LLC.