LastShelf Terms of Service

LastShelf helps you organize information about critical life expenses, recurring obligations, payment instructions, trusted contacts, and, if you choose, copies of important documents. LastShelf may help you connect read-only data sources, review automatically discovered information, share selected information with people you authorize.

LastShelf is a software service offered by Pagerguild. Pagerguild is not a law firm, tax preparer, financial institution, insurance broker, health care provider, fiduciary, trustee, escrow agent, payment processor for your bills, records custodian for legal originals, or emergency-response service.

You must be at least 18 years old to use the Services. The Services are intended for personal, family, or household continuity planning unless we expressly agree otherwise in writing.

The Services are currently designed for users in the United States. Do not use the Services from outside the United States unless we expressly support your location and applicable legal requirements.

The LastShelf Services do not create, validate, execute, notarize, witness, record, file, amend, interpret, or preserve the legal effectiveness of any will, deed, power of attorney, healthcare directive, tax return, insurance policy, payment instruction, account record, or other document or information. Uploading a document to LastShelf does not make it legally valid, recorded, filed, admissible, accepted by a court, accepted by a hospital, accepted by an insurer, accepted by a tax authority, accepted by a financial institution, or accepted by any other third party.

You are responsible for keeping any original paper document, wet-ink document, notarized document, witnessed document, certified copy, recorded deed, filed tax return, or other legally operative record in the place required by law or recommended by your professional advisors.

Pagerguild does not guarantee that any trusted contact, court, hospital, insurer, financial institution, tax authority, vendor, biller, government agency, or other third party will accept, honor, act on, or understand any information or document stored or shared through the Services.

Pagerguild does not provide legal, tax, medical, financial, insurance, accounting, estate-planning, or investment advice through LastShelf. Any descriptions, labels, checklists, reminders, summaries, automated extractions, document categories, vendor categories, payment suggestions, or educational content are for general organizational purposes only.

You should consult qualified professionals for advice about your documents, obligations, beneficiaries, taxes, health care instructions, insurance coverage, estate plan, payment responsibilities, and emergency arrangements.

You represent that you have the legal right to upload, store, process, use, and share any document, file, instruction, credential pointer, contact information, payment information, account information, or other information you provide or authorize us to access.

You are responsible for the accuracy, completeness, currency, legality, and consequences of your documents, instructions, trusted-contact designations, account references, payment links, and other information. Pagerguild is not responsible for detecting missing signatures, outdated documents, revoked documents, incorrect beneficiaries, invalid directives, unrecorded deeds, incomplete tax filings, unpaid obligations, incorrect payment instructions, fraudulent links, conflicting instructions, or incorrect trusted-contact information.

If you provide information about another person, including a trusted contact, dependent, beneficiary, spouse, family member, advisor, or other third party, you are responsible for obtaining any legally required consent and for ensuring that your use and disclosure of that information is lawful.

Any document stored in LastShelf is treated as a user-uploaded copy unless we expressly state otherwise in writing. We do not guarantee that a LastShelf copy will substitute for an original, certified copy, recorded instrument, court filing, medical order, tax filing, insurer-issued record, or other legally operative record.

The Services may support only certain file types, file sizes, document categories, and upload methods. We may reject, quarantine, disable access to, or delete a file if we believe it is infected, unsupported, unlawful, unsafe, abusive, outside quota limits, or otherwise inconsistent with these Terms or the security of the Services.

Some Services use automation, data matching, optical character recognition, artificial intelligence, large language models, or similar technologies to identify, extract, classify, summarize, or suggest information. This may include biller names, amounts, due dates, payment links, payment instructions, account-reference metadata, document categories, vendor matches, recurring obligations, Plaid transaction matches, Gmail-derived bill evidence, reminders, alerts, and handoff information.

Automated outputs may be incomplete, stale, inaccurate, incorrectly categorized, or unavailable. You must review and verify all information before relying on it, sharing it, paying a bill, taking action, or instructing someone else to take action.

We may use third-party AI or document-processing providers to provide, secure, support, and improve user-facing features described in the Services and Privacy Policy. We do not use critical-document contents or Google/Gmail data for advertising or to train generalized AI models.

You retain your rights in the documents, files, instructions, contacts, account information, and other content you provide or authorize us to access ("User Content").

You grant Pagerguild a limited, non-exclusive, worldwide, royalty-free license to host, store, copy, scan, encrypt, decrypt, process, analyze, transmit, display, format, back up, disclose, and otherwise use User Content as necessary to provide, secure, operate, support, improve, and comply with legal obligations for the Services. This includes processing User Content through service providers; generating reminders, alerts, summaries, classifications, matches, and handoff views; enforcing security controls; responding to support requests you initiate; preserving logs and audit records; and sharing information with trusted contacts according to your settings, access grants, help alerts, handoff links, and explicit sharing choices.

This license does not give Pagerguild ownership of your User Content. It ends when your User Content is deleted from active systems, except to the extent retention is permitted or required for backups, audit records, security, fraud prevention, dispute resolution, legal compliance, or other legitimate business purposes described in these Terms or the Privacy Policy.

You may designate trusted contacts and choose what information, account context, payment instructions, document metadata, document copies, credential-vault guidance, or handoff surfaces they may access. Your in-product settings, explicit sharing choices, trusted-contact portal permissions, owner-initiated help alerts, and handoff-link generation are your directions to LastShelf about disclosure.

Pagerguild does not independently determine whether an emergency has occurred, whether you are incapacitated, whether you have died, whether a trusted contact has fiduciary authority, whether a trusted contact is acting in your best interest, or whether any document is valid. We may rely on your account settings, authentication events, product events, trusted-contact acceptance records, handoff links, sharing toggles, and other information reasonably available to us at the time of access.

You may change or revoke trusted-contact settings while your account is active and you have access, subject to the product controls then available. We may delay, deny, suspend, revoke, or limit trusted-contact access if we suspect fraud, abuse, security risk, legal conflict, unclear authority, unauthorized access, or violation of these Terms.

Trusted contacts are limited helpers, not co-owners, tenants, fiduciaries appointed by Pagerguild, or authorized representatives of Pagerguild. They may see only the information made available through the applicable trusted-contact access path. They do not receive your passwords, Gmail credentials, bank credentials, or general control of your account.

If you are a trusted contact, you must affirmatively accept the terms presented to you before accessing a trusted-contact portal, handoff page, shared document, or other restricted shared information. By accepting those terms or accessing restricted trusted-contact features, you agree to these Terms as a trusted contact.

A trusted contact may use shared information only for the emergency, help, continuity, or account-support purpose for which access was granted. Trusted contacts must protect the information, avoid unnecessary sharing, comply with applicable law, avoid impersonation or misuse, and delete or return information when it is no longer needed unless lawfully required to keep it.

Trusted contacts must not use shared information to defraud, harass, coerce, exploit, or harm the user or any other person. Pagerguild may revoke or restrict trusted-contact access at any time for security, abuse-prevention, legal, product, or operational reasons.

You are responsible for maintaining secure access to your account, devices, email, authentication methods, trusted-contact settings, recovery methods, and any third-party accounts you connect or reference. Pagerguild is not responsible for losses caused by your failure to protect credentials, devices, recovery methods, or authorized contacts.

You must notify us promptly if you believe your account, trusted-contact access, handoff link, document access, or connected data source has been compromised.

Our Privacy Policy explains how we collect, use, protect, disclose, retain, and delete personal information. The Privacy Policy is incorporated into these Terms by reference.

The Services may involve highly sensitive information, including Social Security numbers, financial account information, health-related information, tax information, dependent information, beneficiary information, property information, account references, payment instructions, document contents, Gmail-derived information, Plaid-derived information, and trusted-contact information.

We use administrative, technical, and organizational safeguards designed to protect sensitive information, but no online service can guarantee absolute security. We will provide notices of security incidents when required by applicable law.

We do not sell critical-document contents or Google/Gmail data. We do not use critical-document contents or Google/Gmail data for advertising or ad targeting. We do not use critical-document contents or Google/Gmail data to train generalized AI models. We do not send raw critical-document contents, raw Gmail bodies, OAuth tokens, full account numbers, or bill attachments to analytics providers.

If these Terms and the Privacy Policy conflict about how to exercise privacy rights, the Privacy Policy controls for those mechanics. Otherwise, the documents should be read together, and we will interpret them to avoid conflicting privacy promises wherever possible.

Pagerguild may rely on third-party providers for hosting, storage, authentication, email, analytics, document scanning, AI extraction, security, Google/Gmail access, Plaid access, password-manager links or pointers, support, monitoring, and other operations.

Your use of third-party services may be governed by their own terms, privacy policies, consents, and settings. Pagerguild is not responsible for third-party services outside our control, but we will use commercially reasonable efforts to choose providers appropriate for the sensitivity of the data involved and to maintain processor commitments consistent with our Privacy Policy.

If you connect Gmail, LastShelf requests read-only Gmail access. Pagerguild uses Google and Gmail data only as described in the Services and Privacy Policy and subject to applicable Google API Services User Data Policy requirements, including Limited Use requirements.

If you connect financial accounts through Plaid, Pagerguild uses Plaid-derived data to provide account, transaction, recurring-payment, bill-discovery, and payment-confirmation features through LastShelf. Disconnecting Plaid stops future syncs and revokes or clears access tokens where technically available, but historical bill records, transaction-derived records, payments, audit records, and other derived records may remain unless deleted through available product or account-deletion flows, as described in the Privacy Policy.

Third-party providers that previously processed payments may retain historical payment information under their own legal obligations and privacy terms. Pagerguild does not control a provider's independent handling of data outside our instructions.

Pagerguild is not a health care provider, health plan, health care clearinghouse, or HIPAA business associate unless we separately sign a written business associate agreement that expressly says so. Pagerguild does not offer LastShelf as a HIPAA-compliant medical record system as a standard feature.

You must not use the Services to create, receive, maintain, or transmit protected health information on behalf of a HIPAA covered entity or business associate unless we have signed a business associate agreement covering that use. Healthcare directives and similar documents stored by individual consumers remain subject to these Terms and the Privacy Policy, but uploading them does not make LastShelf your healthcare provider or legal medical records custodian.

The LastShelf Services are not a 911 service, medical-alert service, emergency dispatch service, insurer, payment service, bill-payment service, legal-response service, or crisis-response service. Do not rely on LastShelf for immediate medical, legal, financial, safety, or physical emergencies.

We do not guarantee uninterrupted availability, successful data sync, complete data extraction, delivery of notices, trusted-contact response, handoff-link availability, third-party acceptance of documents, or payment of any bill or obligation. Features may be incomplete, unavailable, delayed, suspended, changed, or discontinued, especially while the Services are in beta, preview, early access, or active development.

The Services are currently free to use. You may create an account and use the Services without providing a payment method or making a purchase.

Current no-fee availability is not a promise that every Service or feature will remain free indefinitely. We may introduce optional paid features or otherwise change how the Services are offered in the future, but we will disclose material terms in advance where required by law and will not charge you without your affirmative agreement.

Pagerguild and its service providers may retain historical payment and billing records from previously offered paid access when required or permitted for taxes, accounting, audits, fraud prevention, dispute resolution, customer support, or legal compliance. Keeping those records does not make product access depend on billing status.

If you believe a historical charge or record is incorrect, contact support@lastshelf.ai. Any refund or correction will be handled according to applicable law and the terms that applied when the charge occurred.

You may delete documents, revoke trusted-contact access, disconnect integrations, or request account deletion as described in the product or Privacy Policy.

Deleting a document removes the active stored copy where technically feasible, but it may not immediately remove backups, logs, audit records, access records, legal-hold records, security records, fraud-prevention records, billing records, transaction records, or other information we are required or permitted to keep by law or legitimate business need.

Disconnecting Gmail or Plaid stops future access or syncs where technically available and may revoke or clear stored access tokens. Disconnecting an integration does not automatically delete historical bill records, payments, transaction-derived records, document metadata, account references, audit logs, analytics records, or other data already created from that integration unless you separately delete that data or request account deletion through available flows.

Trusted-contact access may continue until revoked, expired, suspended, or otherwise limited by product controls. A trusted contact may retain copies of information they already downloaded or received outside LastShelf's control.

You may not use LastShelf to store, upload, process, or share unlawful material, malware, forged documents, documents or information you have no right to use, information intended to defraud others, instructions intended to cause harm, prohibited credentials, raw passwords or secrets, or content that violates another person's rights.

You may not misuse trusted-contact access, impersonate another person, bypass access controls, scrape or bulk extract data, reverse engineer the Services, interfere with the Services, probe security controls outside an authorized vulnerability-disclosure process, submit false information, or use the Services for unlawful, harmful, deceptive, or abusive purposes.

We may disclose information when we reasonably believe disclosure is required by law, subpoena, court order, governmental request, legal process, security obligation, or to protect users, trusted contacts, Pagerguild, the Services, service providers, or the public. When legally permitted and reasonably practicable, we may attempt to notify you before disclosure.

To the fullest extent permitted by law, the Services are provided "as is" and "as available." We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, uninterrupted operation, legal effectiveness, professional suitability, third-party acceptance, data completeness, document completeness, payment completeness, and emergency readiness.

To the fullest extent permitted by law, Pagerguild and its affiliates, officers, employees, contractors, service providers, licensors, and agents will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages; loss of profits; loss of data; loss of goodwill; failure of a document to be legally valid or accepted; failure of a trusted contact to act; failure of a third party to accept a document; missed bills; denied claims; tax penalties; probate disputes; family disputes; medical decisions; payment errors; incorrect automation; incorrect extraction; incorrect alerts; or emergency outcomes.

To the fullest extent permitted by law, our total liability for all claims relating to the Services will not exceed the greater of (a) the amount you paid Pagerguild for the Services in the 12 months before the event giving rise to the claim, or (b) $100.

The limitations in this Section do not limit liability where prohibited by law and do not limit claims that cannot be limited by contract. Some laws do not allow certain limitations, so these limitations apply only to the maximum extent permitted by law.

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Pagerguild and its affiliates, officers, employees, contractors, service providers, licensors, and agents from claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, to the extent arising from or relating to your User Content, your documents, your instructions, your trusted-contact designations, your payment information, your connected accounts, your violation of these Terms, your misuse of the Services, your violation of law, or your infringement or violation of another person's rights.

This indemnity does not apply to the extent a claim is caused by Pagerguild's own breach of these Terms, negligence, willful misconduct, or violation of law.

The Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement below.

Except to the extent preempted by federal law or subject to mandatory consumer protections in your jurisdiction, these Terms and any non-arbitrable dispute will be governed by the laws of Delaware, without regard to conflict-of-law rules.

If a dispute proceeds in court rather than arbitration, the exclusive venue will be the state or federal courts located in Delaware, except for small-claims matters, requests for temporary or preliminary relief allowed below, or claims that applicable law requires to be heard in another forum.

24.1 Please Read This Section Carefully. This Section affects your legal rights. Except as expressly stated below, you and Pagerguild agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, your account, our communications, our privacy or data-security practices, or any documents, files, personal information, or other content stored, processed, accessed, disclosed, or allegedly accessed through the Services will be resolved by individual binding arbitration, not in court, and not by a judge or jury.

24.2 Informal Resolution First. Before either party starts arbitration or a small-claims action, the party asserting a dispute must send a written Notice of Dispute. You must send notices to support@lastshelf.ai and Pagerguild, Inc. 2810 N Church St PMB 41383 Wilmington, Delaware 19802-4447. We will send notices to the email address associated with your account. The Notice of Dispute must include the sender's name, account email, contact information, a description of the dispute, the relief requested, and the sender's personal signature. The parties will try in good faith to resolve the dispute informally for 60 days after a complete Notice of Dispute is received. This informal-resolution period tolls any applicable statute of limitations.

24.3 Arbitration Rules and Forum. If the dispute is not resolved informally, it will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules and Mediation Procedures, including any applicable Mass Arbitration Supplementary Rules. If AAA is unavailable or declines to administer the arbitration for reasons that cannot be cured by waiver of a noncompliant term, the parties will confer in good faith to select JAMS or another neutral arbitration provider that applies consumer-fair procedures. If the parties cannot agree, a court of competent jurisdiction may appoint an arbitration provider or arbitrator under the Federal Arbitration Act.

24.4 Consumer Fees and Location. If you are a consumer, arbitration filing, administrative, case-management, and arbitrator fees will be allocated under the applicable arbitration provider's consumer rules and applicable law. Pagerguild will pay only the portions of those fees that the provider's consumer rules or applicable law require Pagerguild to pay. Unless the provider's consumer rules or applicable law require otherwise, your required payment to the arbitration provider will not exceed the filing fee you would pay to file the same claim in a court of competent jurisdiction. Fee waivers may be available from the arbitration provider under its rules. Hearings will be conducted by video, phone, or documents-only process unless the arbitrator determines that an in-person hearing is necessary. If an in-person hearing is required, it will occur in the county where you reside unless the parties agree otherwise.

24.5 Individual Relief Only. The arbitrator may award any individual relief that would be available in court, including statutory damages, individual injunctive relief, and attorneys' fees where authorized by law. The arbitrator may not award relief for or against anyone who is not a party to the arbitration, except to the extent required by applicable law.

24.6 No Class, Collective, Consolidated, Private Attorney General, or Representative Proceedings. To the fullest extent permitted by law, you and Pagerguild agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff, claimant, class member, or representative in any class, collective, consolidated, private attorney general, or representative proceeding. The arbitrator may not preside over any class, collective, consolidated, private attorney general, or representative proceeding unless both parties expressly agree in writing after the dispute arises.

24.7 Mass Arbitration Procedure. If 25 or more substantially similar arbitration demands are filed or threatened against Pagerguild by or with the assistance of the same law firm, group of law firms, organization, or coordinated claim-filing process, the demands will be treated as a "Mass Arbitration." Any Mass Arbitration will be administered under the applicable mass-arbitration rules of the arbitration provider. The parties agree that the provider or a process arbitrator may adopt staged proceedings, bellwether arbitrations, batching, mediation, or other procedures designed to promote a fair, efficient, and cost-effective resolution. While staged or bellwether proceedings are pending, the filing deadlines and limitations periods for non-selected claims will be tolled.

24.8 Claims Not Subject to Mandatory Arbitration. Either party may bring the following claims in court: (a) individual claims that qualify for small claims court; (b) claims seeking temporary or preliminary injunctive relief to prevent actual or threatened unauthorized access to, misuse of, disclosure of, or destruction of the Services, confidential information, personal information, documents, credentials, intellectual property, or security systems; (c) claims for infringement or misuse of intellectual property rights; and (d) claims that applicable law does not permit to be arbitrated. Seeking temporary or preliminary relief in court does not waive arbitration of the remaining claims or merits.

24.9 Privacy, Security, and Regulatory Rights Preserved. Nothing in this Section limits any right you may have to submit a complaint to, communicate with, or participate in an investigation by a government agency, regulator, law-enforcement authority, or data-protection authority. Nothing in this Section waives or limits any privacy, data-security, breach-notification, consumer-protection, public-injunctive-relief, or other right that applicable law does not permit to be waived or limited by contract. To the extent a court determines that a claim for public injunctive relief or another non-waivable statutory remedy cannot be arbitrated or waived, that claim or remedy may proceed in court, and the parties agree to stay that court proceeding until all arbitrable claims are resolved, unless the court determines otherwise.

24.10 Confidentiality and Protection of Sensitive Information. Arbitration filings, evidence, hearings, and awards must be kept confidential to the extent necessary to protect personal information, sensitive information, security information, trade secrets, confidential business information, and documents stored through the Services. The parties and arbitrator may use redactions, protective orders, sealed submissions, and other safeguards appropriate for sensitive information. This confidentiality obligation does not prevent either party from seeking court relief allowed by this Section, enforcing or challenging an arbitration award, making required legal or regulatory disclosures, reporting to regulators or law enforcement, or discussing the facts of a dispute where prohibited from being restricted by law.

24.11 Opt-Out Right. You may opt out of this arbitration agreement within 30 days after you first accept these Terms, or within 30 days after we first notify you of a material change to this Section, by sending an email to support@lastshelf.ai with the subject line "Arbitration Opt-Out" and your name, account email, and a clear statement that you want to opt out of arbitration. Opting out will not affect any other part of these Terms, your account, or your ability to use the Services.

24.12 Court Forum if Arbitration Does Not Apply. If a dispute proceeds in court rather than arbitration, you and Pagerguild waive any right to a jury trial to the fullest extent permitted by law. Except for small claims court and claims seeking temporary or preliminary injunctive relief, any court proceeding must be brought in the state or federal courts identified in the Governing Law section of these Terms, unless applicable law requires another forum.

24.13 Severability. If any part of this Section is found invalid or unenforceable, that part will be severed and the rest of this Section will remain in effect. If the class, collective, consolidated, private attorney general, or representative action waiver is found unenforceable as to a particular claim or request for relief, that claim or request for relief may proceed in court only to the extent required by law, and all arbitrable claims must still be resolved in individual arbitration.

We may update these Terms as the Services change. Material changes will be disclosed reasonably in advance where required. Continued use after the effective date means you accept the updated Terms.

Changes will not reduce your existing privacy rights without any consent required by law. Material changes to the arbitration section will trigger any opt-out right required by these Terms or applicable law. Changes are not intended to retroactively alter the dispute-resolution rules for disputes that arose before the effective date of the change unless applicable law allows that result.

Questions about these Terms: support@lastshelf.ai

Legal notices to Pagerguild must be sent to:

support@lastshelf.ai

Pagerguild, Inc.

2810 N Church St

PMB 41383

Wilmington, Delaware 19802-4447