Effective Date: 27 March, 2026
Last Updated: 27 March, 2026
1. Agreement to Terms
These Terms of Use ("Terms") form a legal agreement between you ("you" or "user") and PharosLife ("PharosLife," "we," "us," or "our") governing your access to and use of:
- The PharosLife website
- The PharosLife platform and applications
- Any related services, tools, or features (collectively, the "Services")
By accessing or using the Services, you agree to be bound by these Terms.
If you do not agree, you should not use the Services.
2. Eligibility
To use PharosLife, you must:
- Be at least 18 years old
- Reside in the United States
- Have the legal capacity to enter into a binding agreement
You represent that all information you provide is accurate and current.
3. Nature of the Service (Important)
PharosLife is a guidance and organization platform, designed to help individuals and families:
- Plan and organize life information
- Prepare for major life events
- Navigate logistical and operational tasks during times of change or loss
PharosLife Does NOT:
- Access or control financial accounts
- Execute transactions on your behalf
- Provide legal, financial, tax, or medical advice
- Replace professionals such as attorneys, financial advisors, or estate planners
All information provided through the platform is informational and supportive in nature only.
4. Your Use of the Platform
You may use PharosLife to:
- Create personal or family profiles
- Organize life information across categories
- Generate and track tasks, workflows, and checklists
- Delegate access or visibility (if enabled)
You agree to:
- Provide accurate and truthful information
- Use the platform for lawful purposes only
- Not misuse, copy, or disrupt the Services
5. Profiles, Delegation & Permissions
PharosLife allows you to:
- Create profiles for yourself or others (e.g., parent, spouse, dependent)
- Assign roles, permissions, or visibility
You are responsible for:
- Ensuring you have the authority or consent to input or manage another person's information
- Managing access permissions appropriately
PharosLife is not responsible for disputes arising from shared access or delegation.
6. Data Sensitivity (MVP Scope)
PharosLife is designed to minimize risk.
You agree not to upload or store highly sensitive information, including:
- Social Security numbers
- Full financial account numbers
- Passwords or login credentials
PharosLife may introduce additional features in the future, but in the MVP stage, the platform is intended for structured guidance — not sensitive data storage.
7. AI & Guidance Disclaimer
PharosLife may use artificial intelligence to generate:
- Suggested actions
- Checklists
- Educational or planning guidance
You acknowledge that:
- Outputs are based on general information and patterns
- They may not be complete, accurate, or applicable to your situation
- They are not a substitute for professional advice
You are solely responsible for decisions you make based on the platform.
8. Communications
By using the Services, you agree that we may contact you via:
- Platform notifications
These communications may include account updates, product updates, and service-related notices. You may opt out of non-essential communications.
9. Third-Party Services
PharosLife may rely on third-party providers (e.g., hosting, analytics, payments such as Stripe).
We are not responsible for:
- The performance of third-party services
- Their privacy or security practices
Use of third-party services is subject to their respective terms.
10. Intellectual Property
All content and materials provided through PharosLife — including design, frameworks, workflows, and software — are owned by PharosLife or its licensors.
You may not:
- Copy, reproduce, or distribute content
- Reverse engineer or exploit the platform
11. Service Availability
PharosLife is an evolving platform. We may modify features, add or remove functionality, or interrupt or discontinue services. We do not guarantee continuous availability or error-free operation.
12. Disclaimer of Warranties
The Services are provided on an "as is" and "as available" basis. PharosLife makes no guarantees regarding accuracy of content, completeness of guidance, or availability or reliability of the platform.
13. Limitation of Liability
To the fullest extent permitted by law, PharosLife is not liable for:
- Financial loss
- Missed deadlines or obligations
- Decisions made using the platform
- Outcomes related to life events
PharosLife is designed to reduce complexity — not eliminate all risk.
14. Indemnification
You agree to indemnify and hold harmless PharosLife from any claims arising from your use of the Services, violation of these Terms, or misuse of the platform.
15. Termination
We may suspend or terminate your access if you violate these Terms or misuse the platform. You may stop using the Services at any time.
16. Changes to These Terms
We may update these Terms from time to time. Continued use of the Services after updates constitutes acceptance.
17. Governing Law
These Terms are governed by the laws of the State of California.
18. Contact
PharosLife
info@mypharoslife.com