1. Agreement to terms

These Terms of Service (“Terms”) are a binding legal agreement between you (“you,” “your,” or “User”) and EdConsult LLC d/b/a Homegoing360, a Michigan limited liability company (“Homegoing360,” “we,” “us,” or “our”), governing your access to and use of the Homegoing360 website at homegoing360.com, the application at app.homegoing360.com, any co-branded or white-label instances, and all related features, content, tools, and services (collectively, the “Platform”).

By creating an account, clicking “I agree,” accessing, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, Acceptable Use Policy, and all other policies incorporated by reference. If you do not agree, do not use the Platform.

If you use the Platform on behalf of an organization (for example, as a concierge, provider, designer, funeral home, or church partner), you represent that you are authorized to bind that organization, and “you” includes that organization.

2. What Homegoing360 is — and is not

2.1 What we provide. Homegoing360 is a software platform that helps individuals and families prepare for, navigate, and settle matters before, during, and after the death of a loved one. The Platform provides organizational tools, guided task roadmaps, educational information, document storage, an AI-assisted guide, memorial pages, and access to a marketplace of independent third-party providers (including concierges, funeral homes, florists, printers, designers, and other service providers).

2.2 What we are NOT. Homegoing360 is a technology and information platform only. We are not a law firm, funeral home, insurance company or producer, financial advisor, investment adviser, accountant, medical provider, grief-counseling practice, or estate-planning service. We do not provide legal, financial, tax, insurance, medical, or professional advice. Information provided through the Platform — including AI-generated content and probate, tax, or benefits information — is general educational information, not professional advice, and is not a substitute for consultation with a qualified, licensed professional in your jurisdiction.

2.3 Marketplace role. For all third-party services, Homegoing360 acts solely as a neutral venue and technology provider that facilitates connections and, where applicable, payments. We are not a party to any agreement between you and a third-party provider, do not employ or control providers, and do not guarantee the quality, legality, safety, timeliness, or outcome of any third-party service. See Section 9.

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Platform. The Platform is intended for users located in the United States. You represent that you are not barred from using the Platform under the laws of the United States or any applicable jurisdiction, and that all information you provide is accurate.

4. Accounts and security

4.1 Registration. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for all activity under your account.

4.2 Credentials. You are responsible for safeguarding your login credentials and for any use of your account. Notify us immediately at care@homegoing360.com of any unauthorized use. We are not liable for losses arising from unauthorized use of your account.

4.3 Estate and family access. The Platform allows an account holder to create estates and invite additional family members or collaborators with defined roles (for example, executor or viewer). The person creating or administering an estate is responsible for the individuals they invite and the access levels they grant. Homegoing360 does not verify a user’s legal authority to administer any estate, act as executor or personal representative, or access a decedent’s information; you represent that you have the legal right to provide and use any information you enter.

4.4 Emergency and delegated access. Where the Platform offers emergency or delegated access features, you are responsible for designating trusted contacts and the conditions of access. Homegoing360 provides these features as a convenience and makes no assurance regarding their sufficiency for any legal purpose.

4.5 Encryption you control. Certain fields — account numbers, and, at your option, every field in a life plan — can be encrypted on your own device with a passphrase we never receive. We cannot recover that passphrase, and we cannot decrypt those fields without it. If you lose it, the encrypted content is unrecoverable by anyone, including us. The Platform tells you plainly, before you choose it, what is covered by that lock and what is not.

5. Plans, purchases, and co-brand partners

5.1 Plans. The Platform offers a free tier and paid plans, with features and prices described at the point of purchase. Paid offerings currently include:

• Companion and Settle — one-time purchases that apply to a single estate. Everyone invited to that estate has the plan’s features; the plan belongs to the estate, not to the person who paid.
• The Gift — Settle, bought for another family and delivered as a code they redeem when they are ready.
• Life Plan — a personal advance-planning plan, sold on its own. One life plan is also included with a Settle purchase, for the person who buys it. Being invited to somebody else’s paid estate does not include a life plan of your own.
• Vault Keeper — a recurring subscription for document storage beyond a plan’s included allowance.

Features and prices may change; changes apply prospectively.

5.2 One-time and recurring charges. Companion, Settle, the Gift, and the Life Plan are one-time purchases. Vault Keeper is a recurring subscription that renews automatically until cancelled. Recurring charges, renewal terms, and cancellation mechanics are governed by the Payment Terms & Authorization and the Refund & Cancellation Policy, incorporated by reference.

5.3 Reimbursement from an estate. Statements that a plan may be “reimbursable from the estate” are general information only and not a guarantee. Whether any expense is reimbursable depends on the estate, applicable law, and court supervision. Consult an attorney.

5.4 Co-brand and white-label partners. Funeral homes, churches, and concierge partners may offer the Platform under co-branded or white-label instances. Families served through a partner instance contract directly with Homegoing360 for their own accounts and pay Homegoing360 directly; the partner is not a party to the family’s agreement and does not receive family payment data except as expressly provided. Partner obligations are governed by the partner’s own written agreement with us.

6. AI-assisted features

6.1 Nature of AI output. The Platform includes AI-assisted features (the “Guide” and related tools) that generate text, speech, and video using third-party AI models. AI output is generated automatically, may be inaccurate, incomplete, or outdated, and does not constitute legal, financial, tax, medical, or professional advice. You are responsible for independently verifying any AI output before relying on it.

6.2 No professional relationship. Use of AI features creates no attorney-client, fiduciary, medical, or other professional relationship. See the AI Usage Disclosure, incorporated by reference, which lists every AI feature and every AI provider.

6.3 Inputs. Do not submit information to AI features that you are not authorized to share. Your inputs may be processed by third-party AI providers subject to our Privacy Policy.

7. User content

7.1 Your content. “User Content” means any content you submit, including documents, obituaries, memorial content, photos, videos, tributes, messages, ledger entries, and profile information. As between you and Homegoing360, you retain ownership of your User Content.

7.2 License to us. You grant Homegoing360 a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, modify (for formatting and display), publish, and display User Content solely to operate, provide, secure, and improve the Platform and the services you request (for example, generating a memorial page, producing a print product, or transmitting content to a provider you select). This license ends when you delete the User Content or close your account, except (a) for content shared with others or made public that they retain, (b) for residual backup copies retained for a limited period, (c) as required by law, and (d) as described in Section 7.6, for sealed recordings and for documents in a locked vault, which are retained by design.

7.3 Memorial and tribute content. Content posted to memorial pages may be visible to others you or the estate authorize, or publicly if you choose a public memorial. You are responsible for having the rights and consents necessary to post any content, including photos and videos depicting other people. See the Memorial, Photo, Obituary & Tribute Terms.

7.4 Responsibility. You represent that you own or have all necessary rights to your User Content and that it does not violate law or third-party rights. You are solely responsible for your User Content.

7.5 Removal. We may remove or disable User Content that we believe violates these Terms, the Acceptable Use Policy, or applicable law, or that exposes us or others to liability, without obligation and, where practicable, with notice.

7.6 Two things that cannot be deleted, and why.

Sealed recordings. A “last wishes” or witness recording that you choose to seal is fixed at the moment you seal it. It is stored with a digital fingerprint so that it can be shown never to have been altered, and it cannot be edited or deleted by anyone afterwards — not you, not another family member, not Homegoing360, and not our support staff. That permanence is the entire value of the recording: it is what allows the people who receive it to trust that they are seeing what you actually recorded. Nobody can change it, including Homegoing360. You are told this before you seal, and sealing is a separate, deliberate step. Nothing is sealed by default, and a recording you have not sealed can be deleted like any other content.

Documents in a locked vault. If a paid plan or a Vault Keeper subscription lapses, your vault locks: no new documents can be added. Everything already in it stays, and stays downloadable, indefinitely. We do not delete a family’s documents for non-payment. See the Data Retention Policy and the Subscription Terms.

Closing your account does not delete a sealed recording, and does not delete documents that other members of an estate you shared still rely on. If you need something removed for a legal reason — a rights complaint, a court order, or a legal obligation we are subject to — contact care@homegoing360.com and we will tell you what we can and cannot do.

8. Homegoing360 intellectual property

The Platform, including its software, design, text, graphics, logos, “Homegoing360” and related marks, and all associated intellectual property, is owned by Homegoing360 or its licensors and is protected by law. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Platform for its intended purpose, subject to these Terms. You may not copy, modify, distribute, reverse engineer, scrape, or create derivative works from the Platform except as permitted by law. All rights not expressly granted are reserved.

9. Third-party providers and marketplace

9.1 Independent third parties. Concierges, funeral homes, florists, printers, designers, attorneys, financial professionals, grief counselors, and other providers listed or accessible through the Platform are independent third parties, not employees or agents of Homegoing360. We do not control them and are not responsible for their acts, omissions, services, products, licensing, or compliance with law.

9.2 No endorsement; verification limits. Listing, ranking, or facilitating a provider is not an endorsement or guarantee. While we may perform certain screening or verification, we do not guarantee the accuracy of provider representations, credentials, licensing, insurance, or background checks. You are responsible for evaluating any provider and their services.

9.3 Paid placement. Some providers may pay for placement, promotion, or enhanced listing. Where placement is paid or sponsored, we disclose it. See the Provider Directory & Paid Placement Disclosure.

9.4 Transactions with providers. Any contract for provider services is solely between you and the provider. Disputes about a provider’s services are between you and the provider. Homegoing360 is not responsible for and disclaims liability for such transactions, though we may, at our discretion, assist with dispute facilitation.

9.5 Print-on-demand and physical goods. Certain products (for example, memorial programs, keepsakes, and prints) are produced and fulfilled by third-party manufacturers. Production, shipping, returns, and defects are governed by the Chargeback & Shipping Policies and the Refund & Cancellation Policy.

10. Payments

Payments are processed by third-party payment processors (including Stripe). By making a purchase, you authorize the applicable charges and agree to the Payment Terms & Authorization. Homegoing360 does not store full payment card numbers. Chargeback and fraud-related terms are set out in the Chargeback & Shipping Policies and the Review, Fraud Prevention & Identity Verification policies.

11. Acceptable use

Your use of the Platform is subject to the Acceptable Use Policy and Community Guidelines, incorporated by reference. You agree not to misuse the Platform, upload unlawful or infringing content, harass others, interfere with the Platform’s operation, or use it for any unlawful or unauthorized purpose.

12. Disclaimers

12.1 “AS IS.” THE PLATFORM AND ALL CONTENT, AI OUTPUT, INFORMATION, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

12.2 No professional advice. WITHOUT LIMITING THE FOREGOING, HOMEGOING360 DISCLAIMS ANY WARRANTY THAT ITS INFORMATION OR AI OUTPUT IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR YOUR SITUATION. PROBATE, LEGAL, TAX, INSURANCE, BENEFITS, AND FINANCIAL INFORMATION IS GENERAL AND EDUCATIONAL. ALWAYS CONSULT A QUALIFIED PROFESSIONAL.

12.3 Third parties. WE DISCLAIM ALL WARRANTIES REGARDING THIRD-PARTY PROVIDERS, PRODUCTS, AND SERVICES.

12.4 Availability. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

13. Limitation of liability

13.1 Exclusion of certain damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOMEGOING360 AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY.

13.2 Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOMEGOING360’S TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO HOMEGOING360 IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

13.3 Third-party services. WE ARE NOT LIABLE FOR THE ACTS, OMISSIONS, PRODUCTS, OR SERVICES OF THIRD-PARTY PROVIDERS.

13.4 Basis of the bargain. These limitations are an essential basis of the bargain and apply even if a remedy fails of its essential purpose.

14. Indemnification

You agree to indemnify, defend, and hold harmless Homegoing360 and its officers, members, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising from (a) your use of the Platform, (b) your User Content, (c) your violation of these Terms or applicable law, or (d) your interactions or transactions with third-party providers.

15. Dispute resolution; arbitration; class action waiver

Your agreement to these Terms includes the Arbitration Agreement & Class Action Waiver, incorporated by reference, which requires most disputes to be resolved by binding individual arbitration and waives class actions and jury trials, subject to your right to opt out as described there. The 30-day opt-out window runs from the date you first accepted these Terms, which we record — see Section 20.

16. Termination

You may stop using the Platform and close your account at any time. We may suspend or terminate your access, with or without notice, for any violation of these Terms or for any lawful reason. Upon termination, your license to use the Platform ends. Sections that by their nature should survive (including Sections 7.2, 7.6, 8, 12–15, and 18) survive termination. Data handling upon termination is governed by the Privacy Policy and the Data Retention Policy, including the two categories in Section 7.6 that are retained by design.

17. Changes to the Platform and Terms

We may modify the Platform or these Terms at any time. If we make material changes, we will provide notice (for example, by posting the updated Terms with a new version number and “Last updated” date, and by in-app or email notice) and, where required, obtain your renewed acceptance. Your continued use after the effective date constitutes acceptance. Acceptance is versioned and recorded as described in Section 20.

18. Governing law and venue

These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-laws rules. Subject to the Arbitration provision, the exclusive venue for disputes is the state and federal courts located in Wayne County, Michigan, and you consent to personal jurisdiction there.

19. General

19.1 Entire agreement. These Terms and the incorporated policies are the entire agreement between you and Homegoing360 regarding the Platform.

19.2 Severability. If any provision is unenforceable, the remaining provisions remain in effect.

19.3 No waiver. Our failure to enforce a provision is not a waiver.

19.4 Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.

19.5 Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

19.6 Notices. We may provide notices to you by email or in-app. You may contact us at care@homegoing360.com or 1098 Ann Arbor Rd W, #479, Plymouth, MI 48170.

19.7 Relationship. No agency, partnership, joint venture, or employment relationship is created by these Terms.

20. Acceptance records

When you create an account, we record your acceptance of these Terms, the Privacy Policy, and the Acceptable Use Policy — specifically: the version accepted, the exact sentence you agreed to, the date and time, and your account identifier. That record is what the Section 15 opt-out window is measured from. Where a material update requires renewed acceptance, the renewal is recorded the same way, alongside the original rather than in place of it.

We describe every acknowledgment we ask for, and exactly which ones are recorded, in the Disclaimers & User Acknowledgments document.

21. Contact

EdConsult LLC d/b/a Homegoing360 1098 Ann Arbor Rd W, #479, Plymouth, MI 48170 care@homegoing360.com