Terms of Service

Effective July 17, 2026

1. Who we are

Semparo is a product of Semparo LLC, a Texas limited liability company ("Semparo", "we", "us"). These Terms are a binding agreement between you and Semparo LLC. You can reach us anytime at contacts@semparo.com.

Two related agreements are signed separately and are not part of these Terms: the acknowledgment you accept before sealing your first item, and the direction agreement you accept the first time you address an item to a person. Each of those governs its own subject.

2. What Semparo is (and is not)

Semparo is a digital legacy vault. You store content that you seal on your own device, and you direct which of the people you designate should receive which parts of it. We describe the features so you can decide whether to use them. We do not guarantee any outcome or result.

Semparo is not a bank, a trust company, a custodian of assets, an insurer, a fiduciary, an estate executor, a law firm, or a substitute for a will or probate. We do not hold, transfer, or manage anyone's funds or assets. Storing a document in Semparo does not make it legally effective, and nothing in the service is legal, financial, tax, or estate advice. Estate law varies by state and country; consult a professional for your situation.

3. Your account

You must be at least 18 years old. You agree to provide accurate information, including your legal name and date of birth, which we use to administer the release mechanism. You are responsible for activity under your account and for keeping your credentials safe.

Semparo is operated from the United States and uses encryption software subject to U.S. export law. You may not use the service if you are located in an embargoed country or are on a U.S. sanctions list.

4. Your keys, and what we cannot do

Semparo is zero-knowledge by design for the content you store. Your vault content is encrypted on your device before it reaches us, and we hold only ciphertext. We cannot read your content, and we cannot recover it for you. If you lose all of your access secrets (your password, Secret Key, and Recovery Code), your content becomes permanently unreadable, by you and by us. That is a deliberate security property of the service, not a defect, and keeping safe copies of those secrets is your responsibility.

To run the service we also hold a small amount of operational information, such as your account email and the contact details of the people you designate. That information is encrypted at rest but is readable by us to operate. Our Privacy Policy explains the difference.

5. How release works

You choose your KeyKeepers and recipients and direct which items each recipient should receive. You are responsible for the accuracy of their contact information and for telling them about their role. "KeyKeeper", "Lawyer", and "Recipient" are convenient names for the people who hold a key share and give a confirmation, an optional person who may hold a copy of a document, and the people you address items to. None of these names creates a fiduciary appointment, a trust, an escrow, an agency, or any professional engagement with Semparo.

The release mechanism responds to conditions you configure. Those may include scheduled check-ins, escalating reminders across your channels when you stop responding, confirmation by the people you designated given under a written declaration, waiting periods you set, and your ability to stop the process at any time before it completes. Semparo does not determine, verify, or represent any fact about any person's life, status, or circumstances. The mechanism responds to your signals and to the declarations of the people you chose, and those people are responsible for the truth of what they declare.

We may apply extra safeguards before or during a release, such as asking for a supporting document, extending a hold, or reviewing a release by hand. These are steps we may take at our discretion, not services we promise, and not taking one is never a breach of these Terms. We do not promise release by any particular date. When signals conflict we will err toward not releasing, because a release cannot be undone. We may also suspend or delay a release if we receive credible notice of a dispute, fraud, or unlawful conduct.

Your directions to us about the items you store with us are intended to take priority, for those items, over instructions in other documents, under the digital-assets law of most U.S. states. That is the purpose of the separate direction agreement you accept in the app.

6. Your estate is your responsibility

What you seal in Semparo, and whom you address it to, is not a will and does not change your will. If your vault items and your estate plans direct different things, they can conflict after you are gone: an item may reach a person your legal documents did not choose, that outcome may be challenged, and a recipient may be required to return what they received. Semparo cannot detect or prevent this, because we cannot see what you store. Keeping your vault items and your estate plans consistent is yours to do. If you are married, part of what you own may already belong to your spouse under your state's law, no matter who you address it to. You accept these risks before you seal your first item.

7. Your content and acceptable use

You keep all rights to your content. You grant us only the limited license needed to store and transmit your encrypted data and operate the service.

You agree not to use Semparo to store or share content that is illegal for you to possess or share, not to attempt to break the security of the service, and not to give or assist a confirmation you know to be false. A knowingly false confirmation is fraud: we may suspend the accounts involved and refer the matter to authorities. A recipient or claimant must be at least 18 or act through a lawful guardian.

Because your content is encrypted, we cannot inspect it, but we may act on stored data when a valid court order or other legal process requires it. If you send us feedback or suggestions, we may use them without restriction or obligation to you.

8. Payments, cancellation, refunds

Semparo is a paid subscription. Prices are shown before you pay. If prices change, we will give you at least 30 days notice and the change applies from your next renewal.

You can cancel anytime. Your plan stops renewing and stays active until the end of the period you already paid for. If you have made only one payment, you may instead request a refund of the unused portion of it, rounded up in your favor; a refund also closes your account and deletes your vault. A payment that is reversed, for example through a chargeback, is treated like a refund and shortens the retention window that payment funded. If an account owner has died, their family or representative can write to contacts@semparo.com and we will stop future charges.

9. If payments stop

Your data is not deleted the day a payment fails. Each payment funds a retention window of up to 12 months during which your vault stays intact and a release you configured can still complete. After the window, data is archived and eventually deleted on a published schedule. Billing never gates a release: a lapse pauses your ability to make changes, not the delivery your payments already funded.

10. If Semparo ever shuts down

The service is built to wind down responsibly. If we discontinue Semparo, we will give you at least 30 days notice, keep your ability to sign in and export your content during that period, and honor the funded retention window described in section 9, including release, for as long as that window runs.

11. Early access

Semparo is a new service under active development. Features may change and interruptions may happen. We publish our security architecture, invite independent review, and tell you plainly what is finished and what is not.

12. Disclaimers

The service is provided "as is" and "as available", with all faults. To the fullest extent permitted by law, we disclaim all warranties, express, implied, or statutory, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the service will be uninterrupted, secure, or error-free, or that any release will happen at any particular time or at all. We are not responsible for delays or failures caused by events outside our reasonable control, such as natural disasters, war, internet or utility outages, or acts of government.

13. Limit of liability

To the fullest extent permitted by law, the total combined liability of Semparo LLC and its members, managers, officers, and employees for all claims relating to the service is limited to the greater of the amounts you actually paid us in the 12 months before the event giving rise to the claim, or one hundred U.S. dollars. We are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or loss of goodwill, even if we were advised such losses were possible. This limit survives any failure of a remedy's essential purpose. Where a jurisdiction does not allow a particular limit, the limit applies to the fullest extent that jurisdiction allows.

14. Indemnity

If your violation of these Terms, or content you store or share through the service, or a designation or direction you make, causes a third-party claim against us, you agree to cover the reasonable costs that result, including reasonable attorneys' fees, except to the extent the claim arises from our own gross negligence or willful misconduct.

15. No third-party beneficiaries

These Terms create no third-party beneficiary rights. The people you designate as KeyKeepers, Lawyers, or recipients gain no contractual claim against us under these Terms, except only as far as needed for us to run the release mechanism you configured. When they act, they accept a short notice at the portal governing their interaction with the service.

16. Disputes

Write to us first. Most problems can be fixed at contacts@semparo.com, and you agree to give us 30 days to resolve a dispute informally before starting formal proceedings.

If we cannot resolve it, you and we agree to resolve the dispute through binding individual arbitration under the Consumer Arbitration Rules of the American Arbitration Association, rather than in court. Hearings may be held by videoconference or, if in person, in a location those rules set as reasonably convenient for you. Each of us waives the right to a court trial, to a jury, and to take part in a class or representative action. You may bring a qualifying claim in small-claims court instead. You may opt out of this arbitration agreement entirely by emailing contacts@semparo.com within 30 days of first accepting these Terms; opting out does not affect any other part of these Terms.

17. Governing law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules, and by applicable U.S. federal law. For any matter not subject to arbitration, you and we consent to the exclusive jurisdiction and venue of the state and federal courts in Travis County, Texas.

18. Changes and termination

We may update these Terms. For material changes we will notify you by email or in the product and ask you to accept the new version; the current version always lives at this page. If you do not accept a material change, you may close your account, and the prior terms govern until you do.

You can close your account at any time, which deletes your vault. We may suspend or terminate accounts that violate these Terms. If we do, the retention rules in section 9 still govern your data, and a release already validly in progress is completed.

19. Survival and the rest

The parts of these Terms that should outlast your account, including sections 4 through 6, 9, and 12 through 18, survive the closing of your account and your death, and bind your heirs, estate, and representatives. If any part of these Terms is held unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor. These Terms, with the Privacy Policy and any notices you accept in the product, are the entire agreement between you and Semparo about the service.

20. Contact

Semparo LLC, Texas, USA. contacts@semparo.com.