Terms Of Service

Service Description

PolicyDoctor Legacy is a secure digital vault that helps users store life insurance documents, maintain beneficiary access details, and reduce friction during future claim workflows.

The service is designed to improve organization, increase readiness, and improve the likelihood of successful claims by making important policy information easier to preserve and access.

PolicyDoctor Legacy is a workflow and documentation platform, not a claims processor, insurance carrier, or legal representative.

No Financial, Legal, or Insurance Advice

PolicyDoctor LLC does not provide financial, legal, tax, insurance, or investment advice.

Any informational prompts, reminders, educational notes, or guidance in the platform are general educational assistance based on publicly available information and are not personalized professional recommendations.

You are solely responsible for consulting qualified professionals regarding your legal, financial, tax, or insurance decisions.

No Guarantee of Outcomes; User Responsibility

PolicyDoctor Legacy is built to reduce friction and improve preparedness, but it does not and cannot guarantee any insurance payout, claim approval, claim timing, or other outcome.

You remain fully responsible for:

• Maintaining complete and accurate policy and beneficiary information
• Keeping uploaded documents current and legible
• Following insurer-specific claim requirements
• Responding to carrier requests and deadlines

PolicyDoctor does not act on your behalf with carriers and does not submit claims for you.

Notification System and Communication Limitations

PolicyDoctor may provide account, vault, beneficiary, and system notifications via email, SMS, or in-app messaging.

Delivery of communications depends on third-party networks and providers and may be delayed, filtered, interrupted, or not delivered.

You are responsible for maintaining accurate contact information and monitoring your account. Message and data rates may apply for SMS communications.

Policy Vault and Data Responsibility

You retain ownership of your uploaded content and account data. By using the service, you authorize PolicyDoctor to store, process, and transmit your information as needed to provide platform functionality.

You represent that you have the rights and permissions necessary to upload and manage all submitted documents and beneficiary information.

PolicyDoctor applies commercially reasonable safeguards and reliability measures, including recurring backups, but no system is immune from every technical or security risk.

Agent, Partner, and Referral Disclaimer

Any insurance agents, brokers, affiliates, referral partners, or advisors who reference PolicyDoctor are independent parties and are not employees or legal agents of PolicyDoctor unless expressly stated in writing.

PolicyDoctor is not responsible for independent third-party statements, conduct, services, or recommendations.

Limitation of Liability

To the maximum extent permitted by law, PolicyDoctor LLC and its officers, owners, employees, contractors, and affiliates are not liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the service.

This includes, without limitation, damages related to claim delays, claim denials, lost benefits, lost data, service interruptions, or third-party system failures.

In all cases, PolicyDoctor’s total aggregate liability for any claim arising from or relating to the service is capped at the amount you paid to PolicyDoctor in the 12 months immediately preceding the event giving rise to the claim.

Subscription, Billing, and Payments

PolicyDoctor Legacy is offered as an annual paid subscription.

Current standard pricing is $90 per year, billed annually.

Subscriptions automatically renew at the end of each billing term unless canceled before renewal.

Payments are non-refundable except where required by law.

Termination and Account Control

You may stop using the service and request account closure at any time.

PolicyDoctor may suspend or terminate access to the platform at its discretion, including when necessary to protect platform integrity, enforce these Terms, investigate misuse, or comply with legal obligations.

General Legal Provisions

These Terms constitute the full agreement between you and PolicyDoctor regarding your use of the service.

If any provision is found unenforceable, the remaining provisions remain in full force and effect.

PolicyDoctor may update these Terms from time to time, and updated Terms become effective upon posting unless otherwise stated.

Privacy

Your use of the service is also governed by the Privacy Policy, which explains how information is collected, used, and protected.

Contact Information

For questions regarding these Terms, contact:

PolicyDoctor LLC
Virginia, United States
support@policy-doctor.com