Terms & Conditions

A legal disclaimer

POLICY GUARD Terms and Conditions of Service

Effective Date: April 9, 2026 Last Updated: April 9, 2026

Please read these Terms and Conditions ("Agreement") carefully before using the Policy Guard service ("Service"). By enrolling in, accessing, or using Policy Guard, you agree to be legally bound by this Agreement in its entirety. If you do not agree with any part of these terms, you must not use the Service.

Policy Guard is operated by Policy Guard LLC ("Policy Guard," "we," "us," or "our"). This Agreement governs your rights and obligations as a subscriber ("Member," "you," or "your") of the Service.

1. Description of Service

Policy Guard is a digital organization and family support service that acts as a personal information management and notification tool. We help individuals securely store important personal documents and information so their loved ones can be better prepared in the future.

Policy Guard is not an insurance company, insurance agent, insurance broker, insurance adjuster, claims processor, financial advisor, legal advisor, or fiduciary of any kind. We do not sell, underwrite, manage, advise on, or guarantee any insurance policies or payouts. We do not provide insurance, financial, or legal advice of any kind.

The Service includes the following:

Secure digital storage of important personal documents and information
Monitoring of publicly available records to help identify when a member may have passed (this process is not guaranteed, may not be timely, and should not be relied upon as a definitive or real-time determination of death)
Reasonable efforts to notify designated contacts upon becoming aware of a potential passing
Providing access to stored information to designated contacts after appropriate verification
General information intended to help families understand possible next steps
Access to support resources when available

Policy Guard provides general informational support only. Policy Guard does not provide individualized recommendations or advice tailored to any specific situation. We do not contact insurance companies, file claims, or act on behalf of any member or beneficiary. We do not guarantee any claim outcome, payout amount, or insurance company response. Results depend entirely on the individual insurance carrier and policy terms.

Use of the Service does not create any fiduciary, agency, advisory, or representative relationship between you and Policy Guard. Policy Guard is not an emergency response or real-time monitoring service. Users and their families should not rely solely on Policy Guard for time-sensitive or urgent actions.

2. Eligibility

To use the Service, you must:

Be at least 18 years of age
Be a legal resident of a country in which the Service is offered
Provide accurate, complete, and current registration information

By creating an account, you represent and warrant that all information you provide is truthful and accurate. Policy Guard reserves the right to suspend or terminate any account containing false or misleading information.

3. Account Registration and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at support@mypolicyguard.com of any unauthorized use or security breach.

4. Subscription Plans and Fees

4.1 Available Plans

Monthly Plan: $2.99 per month, billed monthly
Annual Plan: $35.88 per year, billed annually

4.2 Billing and Automatic Renewal By subscribing, you authorize Policy Guard to charge your payment method on a recurring basis. Subscriptions automatically renew at the end of each billing period unless cancelled.

4.3 Refund Policy All subscription fees are generally non-refundable. This includes partial periods, automatic renewals, and cancellations made mid-period. Policy Guard may review refund requests on a case-by-case basis at its sole discretion. Any decision to issue a refund does not create an obligation to issue refunds in the future.

4.4 Free Trials If a free trial is offered, it will automatically convert to a paid subscription unless cancelled before the trial ends.

4.5 Price Changes We reserve the right to change pricing with at least 30 days’ advance notice. Continued use after the change constitutes acceptance of the new price.

5. Cancellation Policy

You may cancel your subscription at any time via your account or by contacting support@mypolicyguard.com. Cancellation takes effect at the end of the current paid billing period. Stored information will be deleted within 30 days after cancellation.

6. Accuracy of Information

You are solely responsible for the accuracy, completeness, and currency of all information you store in the Service. Policy Guard does not verify or validate any user-provided information and relies entirely on what you enter.

7. Beneficiary Notification and Guidance

Policy Guard makes reasonable efforts to notify designated contacts but does not guarantee the timing, accuracy, or success of any notification. Any guidance provided is general and educational only. It does not constitute legal, financial, or insurance advice. Policy Guard does not contact insurance companies, file claims, or act on behalf of any member or beneficiary.

8. Service Limitations

Policy Guard relies on third-party data sources and user-provided information, which may be incomplete, delayed, or inaccurate. The Service is provided for convenience only and should not be relied upon as the sole source of information or action.

9. Data Security and Privacy

We implement commercially reasonable security measures to protect your data. For full details, please review our Privacy Policy.

10. Disclaimer of Warranties

The Service is provided “AS IS” and “AS AVAILABLE” without any warranties, express or implied. Policy Guard disclaims all warranties to the fullest extent permitted by law.

11. Limitation of Liability

Policy Guard’s maximum liability shall not exceed the total amount paid by you in the twelve (12) months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages.

12. Indemnification

You agree to indemnify and hold Policy Guard, its officers, directors, employees, and agents harmless from any claims, losses, or damages arising from your use of the Service or breach of this Agreement.

13. Governing Law and Dispute Resolution

This Agreement is governed by the laws of the State of Florida. Any disputes shall be resolved through binding arbitration in Miami, Florida, under the rules of the American Arbitration Association. Claims must be brought within one (1) year.

14. Modifications to This Agreement

We may update these Terms with notice. Continued use of the Service after changes constitutes your acceptance.

15. Termination by Policy Guard

We may suspend or terminate your account at any time, with or without notice, for any reason.

16. Regulatory Compliance

Policy Guard is designed to align with applicable data protection and consumer protection laws, including GDPR, CCPA, and COPPA. The Service is not directed at children under the age of 13. Policy Guard is not affiliated with, endorsed by, or acting on behalf of any insurance company, government agency, or regulatory body.

17. Entire Agreement

This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and Policy Guard.

Contact Information Policy Guard LLC Email: support@mypolicyguard.com Website: www.mypolicyguard.com

By using Policy Guard, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.