Subscription Terms

1. What is a subscription, and what is not

Most of what Homegoing360 sells is a one-time purchase: Companion, Settle, the Gift, and the standalone Life Plan are paid once and do not renew.

The Platform currently has one recurring subscription:

• Vault Keeper — ongoing document storage beyond a plan’s included allowance.

Co-brand partner subscriptions (for example, funeral-home partner plans) are also recurring and are governed additionally by that partner’s written agreement with us. Each plan’s features, price, and billing frequency are described at purchase.

2. Billing cycle and auto-renewal

2.1 Recurring billing. Subscriptions are billed in advance on a recurring monthly or annual basis and renew automatically at the then-current price until cancelled.

2.2 Affirmative consent. Before you subscribe, we present the subscription’s price, billing frequency, and auto-renewal terms, and obtain your affirmative agreement (see Payment Terms & Authorization, §5). We send a confirmation after purchase.

2.3 Renewal date. Your renewal date is the anniversary of your subscription start (monthly or annual). We may attempt to charge on or around that date.

3. Cancellation (“click to cancel”)

You may cancel at any time through your account billing settings or the customer portal — no phone call required — or by emailing care@homegoing360.com. Cancellation stops future renewals and takes effect at the end of the current paid period. See the Refund & Cancellation Policy for refund treatment.

4. Price changes

We may change subscription prices prospectively with advance notice as required by law. The new price applies at your next renewal after the notice period; you may cancel before it takes effect.

5. Free tier and changes of plan

5.1 Free tier. The free tier is available at no charge and includes the features described in the app. It is not time-limited.

5.2 Upgrades. Upgrading takes effect immediately; billing adjusts per the plan terms shown.

5.3 Downgrades and lapses. Downgrading or cancelling reduces the features available going forward. It does not remove anything you have already stored. See Section 6.

6. Vault Keeper — what happens if it lapses

This is the section most worth reading carefully, because it is the one most people assume the worst about.

6.1 Allowance and metering. Each plan includes a document and storage allowance. When you reach the allowance, adding new documents requires an active Vault Keeper subscription. Documents already stored remain fully accessible.

6.2 What a lapse does. If Vault Keeper is cancelled or a payment fails, your vault locks. That means exactly one thing: no new documents can be added.

6.3 What a lapse does NOT do.

We do not delete your documents. Everything already in your vault stays, and stays downloadable, indefinitely — for you and for every other member of the estate you shared it with. There is no grace period after which they are removed, because there is no removal. There is no code in our system that deletes a family’s documents for non-payment, and we have committed not to add one without changing this document first and telling you before it takes effect.

6.4 Why. A family that stops paying is usually a family in a hard year, and the documents in a vault are a death certificate, a will, an insurance policy — the things you need precisely when money is tight. Deleting them for non-payment would be taking something irreplaceable in exchange for a monthly fee, at the worst possible moment.

6.5 Getting back in. Reactivating Vault Keeper unlocks the vault and you can add documents again. Nothing needs to be restored, because nothing was removed.

7. Taxes and failed payments

Applicable taxes may be added. Failed payments are handled per the Payment Terms & Authorization (retries, then the lock described in Section 6). You remain responsible for amounts owed for periods already provided.

8. Co-brand partner subscriptions

Partner subscriptions (for example, funeral-home partner plans) are governed additionally by the applicable written partner agreement. One subscription covers one partner location; partners may not resell, sublicense, or provision the Platform for other providers.

9. Record-keeping

Subscription consents, renewals, price-change notices, and cancellations are recorded with the applicable version, timestamp, plan, and account identifier. See the Disclaimers & User Acknowledgments document for exactly which acknowledgments we record.

10. Contact

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