ToldForward Terms of Service

Version 6. Effective 1 November 2026.

Last updated: 1 November 2026.

1. About these Terms

1.1 The parties. ToldForward is a service provided by D2X Enterprises LLC, a limited liability company, of 30 S 15th St Ste 1550 PMB 852931, Philadelphia, PA 19102, USA (“we”, “us”). “ToldForward” means that service, not a business of its own.

1.2 Who these Terms apply to. These Terms are an agreement between you and us. They apply to everyone who has a ToldForward account, whatever their role, and everyone who uses our website:

• members, on Record Membership or Archive Membership;
• the people a member designates for their record (section 9): designated recipients, who receive the record after the waiting period and, under Archive Membership, may use the guide (in these Terms, “designees”); a designated trustee, who reports the member’s death and never reads the record (a “trustee”); and a backup designated trustee (a “backup trustee”). A designated trustee or backup trustee is not a trustee of a trust or a fiduciary under trust law or any other law, and has no authority over the member’s estate or property;
• helpers, the adults a member chooses to help them use the service;
• anyone acting for a member under a power of attorney or a guardianship;
• visitors to our website.

Everyone who creates an account accepts these Terms when they create it, and we keep a record of that acceptance: the version, a fingerprint of the text, the time, the IP address and the browser. Sections that apply only to one role say so.

Being mentioned is not a designation. A member’s record and family tree may mention many people. Being mentioned in a record, or added to a family tree, does not make anyone a designated person, a party to anything about that record, or give them any right to it. Only the people a member designates in the service have a role.

1.3 The rules for everyone. Our Acceptable Use Policy is part of these Terms. It sets the general rules that everyone follows, whatever their role (section 14).

1.4 Other agreements for particular roles and choices. Some parts of the service have their own agreement, which you accept separately, and which wins over these Terms if the two conflict on its subject:

• the automatic renewal terms, shown next to their own checkbox at sign-up and at each checkout (section 4);
• a member’s instructions for their record after their death: the people they designate and the settings they choose in the service, which they can change at any time while living (section 10.9);
• a member’s direction on who may receive their record (Who may receive your record), given separately from these Terms, which they can withdraw and give again at any time while living (section 10.9);
• the Participant Agreement, signed electronically for Archive Membership;
• the Access Terms, which each person a member designates accepts with their invitation;
• the helper’s acceptance, which a helper gives when they accept a member’s invitation;
• the consent to sensitive information, which every member gives before they write anything, with two required checkboxes: one to collect and keep it, one to hand it to the people they designate after their death;
• the biometric consent, shown before any identity check;
• the training consent, which is optional;
• the consent to news and offers by email, which is optional (section 22.5);
• the deed of gift for a Historical Deposit.

1.5 Our Privacy Policy explains what we collect, why, and the choices you have, and our Data and deletion page explains exporting, deleting and how long we keep each kind of data. We ask everyone to read the Privacy Policy when they create an account, and we keep a record that they did. It describes what we do; it is not a contract that takes away any right you have.

1.6 Please read these sections carefully: section 5 (payments and refunds), section 10 (after a member’s death, and how a member’s instructions sit against a will or the law), section 11 (the license a member gives us), section 13 (the guide and AI), section 14 (the rules for everyone), section 18 (the limits of our responsibility, including the time limit for claims), section 19 (where your state’s law changes them) and section 20 (disputes).

2. Who can use ToldForward

2.1 United States only. ToldForward is offered only to people in the United States and its territories. We do not offer it in the European Union, the United Kingdom or elsewhere, and we may block access from outside the United States.

2.2 Age. You must be at least 18 years old to hold a membership or any role. Helpers, trustees and backup trustees must be adults, and everyone a member designates must already be 18 or older when designated. No one under 18 may use Dialogue or Preview.

2.3 One person, one account. Your account is yours alone. Do not share your sign-in, and do not let anyone else use your account. A helper has their own sign-in, linked to the member’s account by the member’s invitation.

2.4 Your own words only. A record can hold only the member’s own words and their own family tree. No one may create a record about someone else, or upload another person’s letters, emails or writing, even with good intentions. Each time a member adds something, they confirm that it is their own. A helper may type for a member, but never adds a word the member did not give.

2.5 Identity. Our identity check uses a government ID and a live selfie, through our identity verification provider, after a separate biometric consent. Archive Membership and Preview open without an identity check. It is asked of each designee before their first access after the member’s death, of a member with a helper before their answers are saved, and of the helper before they are linked. The identity check is not available yet. Until it is, nothing that needs it opens. Record members without a helper confirm their email, and their phone once we send text messages, but do not have an identity check. The identity check lowers the risk that someone acts in another person’s name; it cannot remove it (section 18.3).

2.6 Accurate details. Give us true and current details about yourself, and, if you are a member, about the people you designate, and keep them current. We rely on them to reach the right people at the right time.

3. The memberships and add-ons

3.1 A member chooses a membership at sign-up. There is no free tier, except the invited memberships in section 3.2.

Trustees, backup trustees and helpers pay nothing for their role. Every price is shown again before you pay.

3.2 Invited memberships during the soft launch. Before our public launch, sign-up is by invitation only. If we invite you, you receive a personal code by email that works once, only with that email, for 30 days. With it you choose Record Membership or Archive Membership, free for good: there is no trial, we take no payment details for the membership, it never renews, and we never charge you for it. You may move between the two memberships at no cost, at once; moving up to Archive Membership still needs the Participant Agreement, and moving down ends a Preview you bought, with no refund. Add-ons are never free: extra designees, Preview and the Historical Deposit are bought at their price, and only then do we ask for payment details. An invited Archive Membership counts as begun, so a Historical Deposit can be added to it. A free membership is not paid time: there are no Archive years to pay ahead, and after an invited Archive member’s death their designees pay for Dialogue from the day it opens. Everything else in these Terms applies as for any member.

3.3 We run ToldForward and hold the records ourselves. There is no independent custodian and no separate preservation fund. Section 16 says what protects a record if we stop. We describe parts of the service that do not exist yet, such as the partner institutions for a Historical Deposit, only as plans until they do.

3.4 The service changes over time. Section 16.1 says what we may change, and what we never change.

4. Free trial, automatic renewal and cancellation

This section is for paid memberships. An invited membership (section 3.2) has no trial and never renews; its add-ons that renew, such as Preview, follow this section.

4.1 Your choice. Either membership can start with a free 7-day trial or be paid at once. You choose at sign-up.

4.2 The trial. If you choose the trial, you give a payment method at sign-up. You are not charged during the 7 days. When the trial ends, on the date we show you before you start, your membership begins automatically and you are charged the yearly price we show you, and then that price every year, until you cancel. We email you an acknowledgment when you start, and a reminder 3 days before the trial ends. One free trial per person.

4.3 Automatic renewal. Memberships (except Archive years paid ahead, section 4.7), Preview and Dialogue renew automatically every year at the then-current price, charged to your payment method, until you cancel. You agree to this separately, next to its own checkbox, and we keep a record of that agreement. We email a renewal notice 30 days before each yearly renewal, and a reminder 3 days before a trial ends. Each one states what renews or begins, for how long, the price (plus any sales tax), the date it renews or the trial ends, and the last day to cancel, with a link that cancels without signing in. We send these notices by email, the contact method we use for every billing notice.

4.4 Price changes. If the price of something you renew changes, we tell you 30 days before the new price applies, with how to cancel.

4.5 Cancelling is as easy as signing up. You can cancel at any time:

• in Settings, without signing in again;
• from the cancellation link in a renewal or trial notice, or one we email you on request, which works without signing in;
• during the trial, in either of those ways, with no charge;
• by writing to us through https://toldforward.com/contact, if neither works for you.

We confirm every cancellation by email.

4.6 What cancelling does. Cancelling stops future charges. What you have paid for keeps working until the end of the current paid period (or, in a trial, until the trial ends). After that, section 6 applies. Before you confirm a cancellation, we show you what ends and what happens next, but, unlike other changes to your account, we never ask you to tick or agree to anything to cancel, and we never refuse a cancellation for want of it.

4.7 Paying Archive Membership ahead, and the Historical Deposit, are one-time purchases. We never add them to a renewal charge or to the charge when a trial ends. Years paid ahead do not renew on their own. We email you 30 days before they end; to keep Archive Membership after that, you pay again, and otherwise your membership lapses as section 6 describes.

4.8 How we offer the Historical Deposit. We explain the Historical Deposit when you start Archive Membership and at each yearly review, and ask whether you want it. It is always your choice: nothing is pre-selected, “Not now” is as easy as yes, you can finish onboarding and your yearly review without it, and if you say not now we do not ask again until your next yearly review. We never offer it when you cancel or change your membership. You buy it only by a separate confirmation of its price, and it takes effect only when you sign the deed of gift (section 12). You can buy it only once your Archive Membership has begun, never during a free trial.

5. Payments, refunds and taxes

5.1 Stripe. Payments are processed by Stripe, Inc., our payment processor. Your card details go to Stripe, not to us, and we never receive or store your full card number.

5.2 Prices and tax. Prices are in US dollars. Where sales tax applies, it is added and shown before you pay.

5.3 No refunds; cancel at any time. We do not refund payments, including the rest of a year after you cancel, a move from Archive to Record Membership, Archive years paid ahead, extra designees, or anything you bought before deleting your record or closing your account. You can cancel anything that renews at any time (section 4), and what you paid for keeps working until its paid time ends. We refund only:

• when we cannot deliver what you paid for, including the cases in sections 5.4, 12.6 and 16.5;
• a Historical Deposit within 14 days of buying it, in full, if you withdraw it in that time (section 12.8); deleting your record does not refund it;
• in New York, after a price increase you did not agree to, as section 19.3 says.

A trial cancelled before it ends is never charged. Whatever refund applies is described before you pay, in the confirmation you receive, and here.

5.4 Nothing is charged after your death. When we confirm a death, we stop the member’s membership and Preview billing at once. If a charge is dated after the verified date of death, we refund it.

5.5 Prepaid items. Archive years paid ahead and the Historical Deposit fee are paid now for something we may do later, including after your death. If we stop offering something you have prepaid, section 16.5 applies.

6. When payments stop

6.1 If a payment fails, everything keeps working for 30 days while we try again.

6.2 After that your record becomes read-only: you can read, export and delete it, but not add to it or change it. Paying again restores it.

6.3 180 days after the missed payment, you can no longer view your record. We email you 90, 30 and 7 days before that. Paying again at any time restores it.

6.4 We do not delete your record because payments stopped. We keep it, visible only to our staff, to carry out what you arranged for after your death: the hand-over to your designees, any Archive time you paid ahead, and any Historical Deposit. We try to reach you, and if we cannot, the trustee you designated, to understand why the payments stopped. We delete a record you did not ask us to delete only after a careful decision by our staff, approved by an administrator, and we keep a record of every step. You can pay again at any time to see it again.

6.5 Under Archive Membership, the Archive material is kept on the same terms.

7. Moving between memberships

7.1 Moving down. You can ask at any time to move from Archive to Record Membership. The change takes effect when your current paid Archive time (or your trial) ends. Nothing is refunded. Until then everything in Archive Membership keeps working, Preview included. An invited membership (section 3.2) moves at once.

7.2 Everything you recorded under Archive Membership is kept. You keep adding to it as a Record member, and all of it is part of the record your designees receive. A Historical Deposit already paid for is carried out. After your death, your designees receive your record as under Record Membership, with no guide. You can return to Archive Membership while you are living.

7.3 You can change your mind before the date.

7.4 Moving up. A Record member may move up to Archive Membership at any time: they pay for it (yearly, or ahead), sign the Participant Agreement, and Archive Membership begins at once; Record Membership stops renewing. Unused Record Membership time is not credited or refunded, and we show you this before you pay.

8. Your record

This section is for members.

8.1 You own your words. You keep the copyright in what you write. We do not own your record.

8.2 While you are living, your record is private. Nothing in it is ever public or searchable while you are living, and the people you designate cannot see it. If you choose a helper, they can see what they help you with while their link lasts: the questions and your answers, your writing, your family tree and your “About you” answers; every request they make is logged, and you can remove them privately at any time. A small number of our staff can reach a record only under emergency access that is time-limited, logged entry by entry and reviewed; under Archive Membership, the AI services described in section 13 process your words to run the features you use; and we may have to disclose a record if the law compels us (Privacy Policy, section 7.5).

8.3 You decide what it holds. While you are living you can add to it, edit it and delete anything in it, at any time, and export it in full. Please note: when you edit an entry, we keep your earlier wording as a dated version, and the people you designate receive those versions with the rest of your record. If you do not want someone to read something, delete the entry rather than editing it.

8.4 You are responsible for what you say about other people. Your stories will include other people, and the people you designate will read everything in your record. You are responsible for what you write in your record, including what you say about other people. Do not record anything you know to be false, and do not record anyone’s private information that is not yours to share, such as another person’s medical records, account numbers or identity documents. We do not read, check, correct or soften what you write, and we do not confirm that it is true (section 18.5). The guide always presents what you said about others as your account, not as fact.

8.5 Export. You can export your record at any time while you are living, as one ZIP file holding a searchable PDF/A book and a BagIt archive of your original text and your family tree, with a README and checksums. The download needs a recent sign-in and works for 14 days.

8.6 Deleting. You can delete single entries, or your whole record, at any time while you are living. Deleting is permanent for you. “Delete my record” removes the record’s entries and their versions, conversations, the people you designated and death reports; it also deletes your family tree, withdraws a Historical Deposit with no refund of its fee (even within its first 14 days; section 12.8), and cancels everything that renews. Closing your account removes your personal details and keeps only the account’s id, its payments and its acknowledgments. Our Data and deletion page has the details.

8.7 Your rights to export and delete are personal. They end at your death and are replaced by the instructions you left (section 10).

8.8 Text only. Your record holds text only: you cannot add photos or documents. We never receive your voice or your image, except a live video call you ask for to recover your account (section 15.2), which we never record and never use for face matching. If you would rather speak than type, your phone’s or computer’s own dictation turns your words into text on your device, and only that text reaches us. We never create a likeness of you.

8.9 Keep your own copy. We take care of your record (section 15.5), but no service can promise never to lose data. Exporting your record from time to time, and keeping the copy safe, is the best protection you have while you are living.

9. The people you designate

This section is for members. The Access Terms explain the same things to the people designated.

9.1 Roles. You designate the people who receive your record, your designated recipients (every one of them is a designee), and you may also designate a designated trustee and a backup designated trustee, who report your death. Two designees are included with Record Membership and five with Archive Membership; you can designate up to 10 in all (section 3.1). Each person sees the records they are designated for on their own Designations page. The trustee cannot be your only designee. While you are living, your designees see only their role; your trustee also sees your name and the state of your record, so they can choose it when reporting your passing.

9.2 Their details. For each person you designate you give us their first and last name, relationship, email, mobile phone and date of birth, and optionally their home address. You confirm that you have the right to give us their details for this purpose, that you are giving them only to let us carry out your wishes, and that you accept that we will tell them you have designated them. We use their details only for that (Privacy Policy, section 3.4).

9.3 Invitations. For each person, you choose whether we invite them now (the default) or keep your designation private until your death is confirmed. Your trustee is always invited now. Inviting someone now only lets them accept and create their account; it gives them no access to your record. Each person decides whether to accept; if they accept, they verify their email and accept the Access Terms, including the waiting period. They can decline.

9.4 Changes. You can change who you have designated at any time while you are living, and we ask you to review the list once a year.

9.5 Adults only. Everyone you designate must already be 18 or older, as a designee or a trustee. No one under 18 uses Dialogue.

9.6 What your designees get, and do not get. Each receives a personal copy of the same whole record and, under Archive Membership, the right to use the guide on your terms. They do not get the copyright in your words, which passes under your will or by law. In the Access Terms they agree never to publish, sell, commercially use or extract your record, or use it to imitate you. Each may share their own copy privately and without payment, for example with family, unless you forbid it in your settings; whatever you choose is part of your wishes in every copy.

10. After a member’s death

10.1 A death is reported by a trustee, with official documentation: a death certificate, or an obituary together with a letter from the funeral home. The trustee confirms that what they report is true and that the document is genuine, and we record that statement with the report. Nothing happens automatically. If a member has not signed in for 180 days we send them a check-in; if they do not answer within 30 days, we only ask their trustee to check on them.

10.2 Safety check. When a death is reported, we email the member, and text them once we send text messages, at their own verified address and number, a link to stop the report. They have 7 days to answer. Then we review the documentation within 5 business days. A member of our team reviews every proof of death and makes every decision to confirm a death; automated tools, AI among them, help check the documents (Privacy Policy, section 6). A confirmed death can be reversed only by two different staff reviewers. We keep the documents until the hand-over to the member’s designees is done, then delete them.

10.3 When we confirm a death:

• billing for the membership and Preview stops (section 5.4);
• the record is frozen exactly as the member last left it: no one can add, edit or delete anything in it, through any account;
• every helper’s link ends;
• the waiting period begins.

10.4 The waiting period. No one may use the guide or receive a copy of the record until at least 6 months after the death is confirmed. The clock starts when we confirm the death, never at the date of death on the documents. A member may make it longer by adding months to the 6-month minimum (an extension of 6 months opens access 12 months after confirmation). There is one waiting period for everyone: a longer wait applies to everyone the member designated, so all their designees’ access opens at the same time. No one can shorten or waive it, including our staff, unless a court or the law compels us. We make no sales contact with the people designated during the waiting period.

10.5 Hand-over. When the waiting period ends, we tell each designee once, and each designee receives their own encrypted electronic copy of the whole record. Every download needs a recent sign-in, a one-time code sent to the recipient’s phone or email at the moment of download, and the recipient’s identity check (a government ID with a live selfie) in that same session; the passphrase is sent separately. Every designee receives the same complete record: we never divide it, tailor it or hold parts back. The trustee receives no copy. Delivery is electronic only, unless the law requires otherwise. Each copy can be downloaded for 12 months after the designee’s own access opens.

10.6 Record Membership ends the service for the record at hand-over. We keep the record until every designee has downloaded their copy, or until 1 year after their access opens, whichever comes first, and then delete it by final action (section 10.8).

10.7 Archive Membership. After hand-over, the guide continues only for the member’s designees: first for whatever paid Archive time the member had left when their death was confirmed (the waiting period comes out of it), then for each designee who pays for Dialogue, and only while they hold the right the member granted to keep using their words (section 11.2). The Archive stays online while at least one designee continues. Each designee’s access ends when the paid time runs out, unless they continue before then; we warn them 90, 60, 30 and 3 days before, and once it ends it is not reopened. When no designee has access any more, we delete the record by final action. The member chooses while living whether the people they designated may retire the guide after their death: no one, each for themselves, or any of them for everyone. Their executor has no say in this, and the guide cannot be paused.

10.8 If no designee can receive the record, and how records are deleted. When the waiting period ends, we notify every designee. If none of them has accepted the record within 90 days, our staff open a case, keep trying to reach them, and record every attempt. Only when they are certain that no designee can receive the record do they propose deleting it. Every deletion a member did not ask for is a final action: a member of our staff proposes it with the reason, an administrator approves it, and an encrypted safety copy is kept for 1 year, in case of a serious error, and then deleted. We keep a permanent record of every step. A record never goes to anyone the member did not designate. If no designee can receive it, we delete it, as the member agrees here. A Historical Deposit the member chose is made first.

10.9 The member’s instructions are the instructions we follow. The people a member designates in the service, their roles, the waiting period, the retirement and sharing settings and any Historical Deposit, together with the member’s separate direction on who may receive their record and, for an Archive member, the Participant Agreement, are the member’s instructions to us for their record (“their instructions”). We follow them, and we do not need an executor, an estate lawyer or a court to do so.

• The direction. In a direction given on its own, apart from these Terms (Who may receive your record), the member tells us that their record, any part of it and any list or catalogue of what it holds go only to the people they designate, and never to an executor, personal representative, agent under a power of attorney, guardian, conservator or other fiduciary without a court order. The member can withdraw it and give it again at any time while living.
• Why it ranks first. A member can change their instructions at any time while living, so they are designed to work as an “online tool” under the fiduciary-access laws of most states, in most of them the Revised Uniform Fiduciary Access to Digital Assets Act. Under those laws, a direction given through an online tool that the user can change at any time comes before a different direction in a will, trust, power of attorney or other record; in Pennsylvania, for example, “If the online tool allows the user to modify or delete a direction at all times, a direction regarding disclosure using an online tool overrides a contrary direction by the user in a will, trust, power of attorney or other record” (20 Pa.C.S. § 3904(a)(2)).
• The member’s state decides. Which of these laws applies depends on the state where the member lives, not on our choice of Pennsylvania law. Delaware, Louisiana and Massachusetts may not give an online tool this priority. A member who lives in one of them should give the same direction in their will, with our model clause (section 10.13).

10.10 If a member left other directions. A will, trust, power of attorney, letter or any other direction that says something different about a ToldForward record does not, by itself, change what we do. Where it conflicts with the member’s instructions, the conflict is resolved under the laws that bind us: the digital-assets law of the member’s state of residence, where it applies to us, which in most states gives their instructions priority (section 10.9), and otherwise the law of Pennsylvania. Members who want their executor to know their wishes can use our model clause (section 10.13).

10.11 We act otherwise only when the law requires it. We depart from a member’s instructions only where the law requires us to: a court order; a request from a personal representative, agent, guardian, conservator or trustee of a trust that the law requires us to honor despite the member’s direction, made in writing with the documents the law requires; a warrant or other legal process; or a legal hold. We do only what is required, and we tell the people the member designated unless the law forbids it. We may ask anyone who makes such a request to obtain a court order first, as the law allows (20 Pa.C.S. § 3916(e)). While a request is unresolved, we keep the record exactly as it is, and the waiting period is never shortened except by a court or the law.

10.12 A request to close the account. If a personal representative or anyone else asks us after a member’s death to close their account or delete their record, the member’s direction is that their record still be handed over to their designees, as their instructions say, before any account is closed. We follow that direction unless a court orders otherwise or the law requires it.

10.13 Estate plans. We offer a model clause for a will or trust, for members to take to their own attorney. It is not legal advice. Adding it to a will or trust, with an attorney, makes a member’s wishes clear to their executor and strengthens the license in section 11. It matters most for a member who lives in Delaware, Louisiana or Massachusetts (section 10.9).

10.14 We do not decide disputes, and we do not investigate families. We are not an arbiter between members of a family, an estate and the people a member designated. We do not identify heirs, judge whether a will is valid, decide who is right in a family disagreement, or mediate one. We follow the member’s instructions unless a court or the law tells us otherwise (section 10.11).

11. The license a member gives us

This section is for members.

11.1 While you are living, you give us a non-exclusive, royalty-free license to store, copy, process, index and display your record, only to run the service for you, and to make the exports you ask for.

11.2 For after your death, you give us, and any successor bound by these Terms (section 16.7), a non-exclusive, irrevocable, royalty-free license, granted now for the service and any fee you pay, that survives your death and binds your heirs, successors and personal representatives, to keep your record, release it as you instructed, deliver copies to the people you designated, run the guide for your designees under your rules, and, if you chose it, submit a copy for a Historical Deposit under your deed of gift. If the service ends, it also lets us, or the wind-down escrow agent once one is appointed, hold your record and release it as section 16.4 says, and nothing more. For Archive members, the Participant Agreement grants this license too.

Your name. You also consent to our using your name, and your identity as the author of your words, inside the service: in the guide, in your record and the copies of it, and in our notices to the people you designated. The consent is given now, for your life and after your death, only for the purposes in these Terms; it covers any right of publicity in your name, survives your death and binds your heirs, devisees and personal representatives. We never use your name or your words in advertising or to promote ToldForward.

11.3 Please know: under US copyright law, your heirs may be able to end a license you grant while living, in a window beginning 35 years after you grant it, and copyright in your words ends 70 years after your death. A grant made in your will is not subject to that termination.

11.4 We never use your record to train AI models unless you separately opt in. That choice never changes your price. You can withdraw at any time; withdrawal excludes your record from every later training run, and models already trained on it are retired when we next retrain.

11.5 We never sell your record and never use it for advertising.

11.6 This license is personal to us. We may transfer it only to a successor that takes on every obligation in these Terms and in your instructions (sections 16.7 and 23.1).

12. Historical Deposit

This section is for Archive members.

12.1 Optional, and never the default. A Historical Deposit is a decision you make while living about your own writings: a donation of your personal papers, your record in your own words, to a library or archive, so your first-hand account of your life is kept for history. It is not a funeral, burial, cemetery or death-preparation service. It is an add-on to Archive Membership, for a one-time fee. You choose it while you are living, by a separate signed deed of gift, the standard agreement libraries and archives use. Without it, your record is deleted from ToldForward when it leaves the service, and the people you designated keep their copies. We explain it and ask whether you want it at Archive onboarding and at each yearly review (section 4.8). For now, we do not offer it to members whose state of residence is Florida, Virginia or Indiana.

12.2 What happens. When your record leaves ToldForward after your death (for Record Membership, once every designee has their copy; for Archive Membership, when the guide ends, with no paid Archive time left and no designee continuing), we submit a copy of the same whole record, with your deed of gift, to one of the partner libraries or archives for your state of residence at sign-up. We promise that one of them will receive it, not which one; we choose among those still accepting deposits at the time. After a move, you may move the deposit to your new state of residence, and only to it, while you are living, at no new fee.

12.3 Partners. Our partners are libraries and archives that have signed a standing agreement with us to accept life-story collections. We show you the current partner options for your state before you pay. No partner endorses ToldForward, and we do not name an institution as a partner until it has signed.

12.4 After submission, the partner decides. From submission, the partner holds your record under its own policies, including how long it is kept, who may read it and when, and its own review of details about people still living. Your deed of gift states your wishes, which the partner receives with your record as requests under its own policies, never as seals we enforce. Our part ends when we submit it and confirm receipt. We are not responsible for what the partner does with it afterwards. We then delete our copy.

12.5 Your deed of gift gives us the right, now, to submit a copy of your record at account expiration, and states your wishes. It survives your death and binds your heirs and personal representatives.

12.6 If the deposit cannot be made. If no partner for your state accepts your record within 24 months after it leaves ToldForward (a national partner counts as an option in every state), we refund the fee to your estate and tell the people you designated.

12.7 No further fee. We never charge you or the people you designated anything more for a Historical Deposit, whatever the partner’s costs at the time.

12.8 Refunds. You may cancel your Historical Deposit within 14 days of buying it, for a full refund. After those 14 days the fee is non-refundable, and we tell you so before you pay. It covers our technical, administrative, service, computing and verification costs, which begin when you buy it. You can withdraw your Historical Deposit at any time while you are living, in Settings: your deed of gift is revoked, the fee is not refunded after those 14 days, and it is not kept as a credit. Deleting your record while you are living also revokes it, and never refunds the fee, even within the 14 days: only withdrawing it in that time does. Moving to Record Membership, or a lapsed membership, does not cancel it: it is carried out. After your death no one can withdraw it, except by court order.

12.9 When else we refund it. Only when we cannot deliver: under 12.6, and under 16.5 if ToldForward ends before the deposit is made.

12.10 The fee is not a donation. It is paid to us, a business, for preparing and submitting your record. It is not a gift to the partner, and we do not claim that it, or the deposit, is tax-deductible.

12.11 If ToldForward ends before your record leaves us, section 16.5 applies.

13. The guide and other AI features

13.1 What uses AI. The guide (Preview and Dialogue), the index it searches, display translation, and the tools that help us review proof of death use AI models. Questions are chosen from our question bank, not written by AI. A record itself is written by its member, not by AI. Record Membership’s record is never indexed or sent to an AI model.

13.2 Which models, during the soft launch. Until our public launch, the guide and the document checks use Claude, an AI model made by Anthropic, PBC, through Anthropic’s API, processed in the United States. Anthropic does not train its models on what we send, and keeps it only for the limited time its standard commercial terms allow. The search index is built by BGE-M3, an open model that Cloudflare runs for us, which does not train on what we send or keep it, and may run it outside the United States. Before our public launch, we will replace Anthropic’s models with our own (Privacy Policy, section 6).

13.3 The guide quotes, it does not imitate. It never speaks as the member, and it never invents an opinion, feeling or recollection in their name. Their words appear only as exact quotes, inserted from the record by our software, never written by the model, each with its date; everything else is in the third person. Every answer is labeled Recorded (the member’s own words answer the question), Related (things the member said on a nearby subject) or Unknown (the record holds no answer, and the guide says so). The guide tells you it is an AI at the start of each conversation and every 3 hours.

13.4 The guide can be wrong. The quotes are the member’s exact words, but the guide’s own sentences, summaries, connections, dates and labels can be incomplete or wrong. We check them against the record before you see them, and the check can still miss a mistake. The guide can also miss something the member did say, and it can find a passage less relevant than it seems. A translation is machine-made and labeled. Treat the guide as a way to find what the member said, not as a source of fact about the member or anyone else, and check anything that matters against the record itself.

13.5 Not advice. Nothing the guide or anything else in ToldForward says is medical, mental-health, legal, financial, tax or other professional advice, in anyone’s name. The guide may quote what the member recorded about their own wishes, but it does not tell anyone what to do, does not help arrange a funeral, burial or cremation, and does not interpret a will or the law. For those, ask a qualified professional.

13.6 Not therapy, and not an emergency service. ToldForward is not grief counseling or therapy, and it is not a substitute for grieving or for the people around you. If you are struggling, a counselor or a grief support group can help in ways we cannot. It is not an emergency or crisis service, and no one at ToldForward watches conversations as they happen. If you are in crisis or thinking about harming yourself, call or text 988 (the Suicide and Crisis Lifeline) or call 911. The guide is designed to recognize signs of distress and to point people to crisis support:

• Before it answers, it checks each question for signs of suicidal thoughts or self-harm. At such a sign it composes no answer, and shows crisis resources instead: the 988 Suicide and Crisis Lifeline (call, text or chat), the Crisis Text Line and 911.
• Before it shows anything, it checks what it is about to show, its own sentences and the member’s quoted words. A passage that describes a method of suicide or self-harm, or encourages it, is not shown in the conversation, and the crisis resources take its place.
• The record is never changed. Every word stays in the record and in every designee’s copy; only what the guide shows in a conversation is held back.
• If a check cannot run, the guide is unavailable until it can.

How the guide responds to a crisis is published on our crisis protocol page.

13.7 Your conversations with the guide are yours, are never part of the record, are never exported, and are never used to train AI models. A designee’s conversations are kept for 90 days, then deleted.

14. The rules for everyone

14.1 The Acceptable Use Policy applies to everyone. Whatever your role, you agree to follow our Acceptable Use Policy, which is part of these Terms. In short, you agree not to:

• try to reach any record or personal information that is not yours to reach, or use anyone else’s account, codes or links;
• get around the waiting period, identity checks, age rules, sealed designations, the safety check, or any limit or security control;
• impersonate anyone, give false details, or report a death you know is false or do not know has happened;
• put anyone’s words but the member’s own into a record, or create a record about someone else;
• use a record, or the guide, to imitate the member, or try to make the guide speak as them or invent what they did not say;
• publish, sell, commercially use, scrape or extract a record, or use it to train an AI model;
• harass, threaten or exploit anyone, or pressure a member about what they write, whom they designate, what they buy or what they sign;
• probe, attack, overload or reverse engineer the service, or use it unlawfully.

14.2 Duties that come with your role. Your role may add duties: members, in section 8.4 and the Participant Agreement; designees and trustees, in the Access Terms; helpers, in the helper’s acceptance and the Acceptable Use Policy, section 11.2; agents and guardians of a member, in the Acceptable Use Policy, section 11.5.

14.3 What we may do. If someone breaks these rules, we act as the Acceptable Use Policy, section 13, describes: for misuse of a record or of someone’s access, a written warning first, and the end of that person’s access on a second breach; at once where someone is in danger, for a false death report, impersonation or an attack on the service. We may report a matter to the authorities where the law allows or requires it. If you disagree with a decision, our founder reviews it. Acting against someone never deletes a member’s record, changes what it contains or overrides a member’s instructions for after their death, except under a court order or where the law requires it.

15. Your account and security

15.1 You sign in with a password, and you may add an authenticator app and passkeys. Text messages are never a way to sign in. Keep your devices and sign-in methods safe, and add a second way in.

15.2 If you lose every way to sign in, write to us through https://toldforward.com/contact. We confirm who you are on a live video call against the details on your account, then send you a one-time link to set a new password, and we record every step. We never record the call, and we use no face-matching tool on it.

15.3 Tell us at once through the contact page if you think someone else has used your account. You are responsible for what happens through your account if you shared your sign-in or did not keep it safe, except where the cause is our own fault.

15.4 We may sign you out everywhere, or switch an account off, to protect a record, a person or the service, and we tell you why unless that would be unsafe or unlawful. Switching an account off keeps the record and everything owed to the people the member designated.

15.5 How we protect records. We encrypt records in transit and at rest, limit staff access, and log every read of a record by anyone other than its member (Privacy Policy, section 15). No system is perfectly secure, and we cannot promise that no one will ever gain unauthorized access (section 18.3). If a breach affects your personal information, we will tell you as the Privacy Policy says.

16. Changes to the service, and if ToldForward ends

16.1 What we may change. The service will change as we improve it, and as the law, our providers and technology change. We may add, change, suspend or stop features, change providers, and take the service down for maintenance or repairs. We do not promise that it will always be available or free of errors. We tell you before a change that takes away something you rely on, at least 30 days before where we can, or as soon as we can when a change is needed for security, safety or the law.

16.2 What we never change. No change to the service shortens the waiting period, makes a record public or searchable while its member is living, lets the guide speak as a member, creates a voice or likeness of anyone, uses a record for AI training without its member’s opt-in, sells a record, or changes what happens to a record after its member’s death.

16.3 Who holds records. We run ToldForward and hold the records ourselves. There is no independent custodian and no separate preservation fund; the service is paid for from what members and designees pay. We may later move the records to a custodian or a successor, but only to one bound by these Terms, our Privacy Policy and every member’s instructions, and we will tell you at least 90 days before.

What protects a record without us. We are building ToldForward to outlast us, not forever. A record does not depend on us alone because:

• each designee receives their own copy of the whole record when the waiting period ends;
• records are kept in open formats (section 8.5), so they can be read without us, and we will publish the method for building the guide, so it can be rebuilt;
• a member can export their record at any time while living;
• if a member chooses a Historical Deposit, a copy goes to a partner library or archive (section 12);
• if the service ends, every record is released early (section 16.4).

The guide itself runs only while the service runs. If ToldForward ends, Dialogue and Preview end with it.

16.4 If the service ends, we release every record early, electronically:

• a living member’s record goes to the member alone, and to no one else;
• so does a record whose reported death has not been confirmed; anyone who believes the member has died goes through the member’s estate;
• after a confirmed death, it goes to each of the member’s designees. If the waiting period has not ended, their copies are held in escrow and released when the waiting period would have ended, so it is never shortened.

We will give at least 90 days’ notice where we can. We have a written wind-down plan, and our founder is personally responsible for carrying it out. Before our public launch, we will place the money and tools for a wind-down with an independent escrow agent, under an agreement that does not need us to act; until then, the release is carried out under the plan by our founder.

16.5 Prepaid items if the service ends. If ToldForward ends, we cannot deliver what is still to come, so we refund:

• Archive years paid ahead: the unused part of the time paid, to the member while living, or to their estate after their death;
• Historical Deposit: if ToldForward ends before your deposit is made, your deed of gift ends, nothing is delivered, and the fee is refunded: to you while you are living, or to your estate after your death;
• Dialogue and Preview: the unused part of the current paid year.

16.6 A record is not our property. We hold a license to it (section 11), not ownership, and we do not treat records as assets to sell.

16.7 Sale, merger or bankruptcy. If ToldForward is sold, merged, or goes through bankruptcy, records and personal information pass only to a successor that continues the service under these Terms, our Privacy Policy and every member’s instructions. If there is no such successor, we release every record as section 16.4 says; we do not sell records or personal information separately.

17. Changes to these Terms

17.1 We will tell you by email and on the website at least 30 days before a material change takes effect, and ask you to accept the new version the next time you use the service. Until you accept it, you can still read your account, cancel, step down from a role and close your account, but not use the rest of the service.

17.2 A change never shortens the waiting period, adds a use of a record its member has not agreed to, or changes what happens to a record after its member’s death, unless the member agrees to it while living. A change made after a member’s death never binds their record retroactively. A change never takes away a right you already have to something you have paid for.

17.3 If you do not agree to a change, you may cancel, or close your account, before it takes effect. A member’s arrangements for after their death continue under the version they last accepted.

18. Limits of our responsibility

18.1 What is not limited. Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence; for fraud or fraudulent misrepresentation; for our gross negligence, recklessness or willful misconduct; or for what section 19 says is not limited in your state. This section 18.1 prevails over everything else in these Terms, including sections 18.4 to 18.12.

18.2 What we promise. We will run the service with reasonable skill and care, and do what these Terms, the other agreements in section 1.4 and a member’s instructions say.

18.3 The risks of this service, stated plainly. We take care with each of these, but cannot remove them entirely:

• Reading a record can hurt. The people a member designates may read things that upset them, including what the member said about them. The waiting period, orientation, labels and crisis resources help; they do not make it painless.
• Errors in confirming a death. We review documentation and give the member a chance to stop a report, but a false or mistaken report can be confirmed. Nothing is released when a death is confirmed, so if we confirm a death in error, we reverse it during the waiting period, before anything goes to anyone.
• Identity checks can be fooled. An identity check, a sign-in or a one-time code lowers the risk that the wrong person gets in; none removes it.
• Loss of data, and security. We protect records carefully, but no service can promise it will never lose data, never be breached, or last forever.
• ToldForward can fail. We are a business, and there is no custodian or separate fund behind us. Section 16 says what we do if the service ends; the guide ends with it.
• AI mistakes about context, dates and connections (section 13.4).
• What members say about others is their account, not ours, and not fact.
• Family disputes are not ours to decide (section 10.14).

18.4 No other promises. Apart from what these Terms and the other agreements in section 1.4 say, the service is provided “as is” and “as available”, and we make no other promises or warranties about it, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement, except as section 19 says for your state. This never reduces a promise we make in these Terms, such as the waiting period, the whole record or the release at wind-down.

18.5 What we do not do. Except as sections 18.1 and 19 say, we are not responsible for:

• checking whether anything a member writes is true, fair or lawful, or for what a member says about anyone;
• verifying the people a member designates, their relationship to the member, or anything they tell us, beyond the checks these Terms describe;
• deciding or mediating disputes between members of a family, an estate, heirs and the people a member designated (section 10.14);
• watching how people use the service, or finding every breach of the rules;
• what the people a member designated do with their own copies after hand-over, or what a partner institution does after a Historical Deposit is submitted;
• a member’s choices: whom they designate, what they keep or delete.

18.6 Other people’s services. We rely on providers such as payment, email, text-message, identity-verification, hosting and AI model providers (Privacy Policy, section 7.1). We choose them with care and hold them to written terms, but we are not responsible for an outage or failure of a service we do not run, except where we were at fault in choosing or overseeing it. Links to other websites, including crisis lines and the partner institutions, go to services we do not control.

18.7 Indirect loss. Except as section 18.1 says, we are not liable for loss of profits, revenue, business, goodwill or opportunity, or for indirect, special, incidental, consequential or punitive damages, even if we knew they were possible, except as section 19 says for your state.

18.8 Cap. Except as sections 18.1 and 19 say, our total liability to you for all claims about the service is limited to the greater of (a) what you paid us in the 12 months before the claim, or (b) $100. For a designee, (a) means what they paid us for Dialogue in that time. The cap never reduces a refund these Terms promise you (sections 5.3, 5.4, 12.6, 12.8, 16.5 and 19.3).

18.9 Your responsibility for misuse. If you break the law, these Terms or the Acceptable Use Policy (for example, by reporting a death you know is false, using another person’s identity, publishing or selling a record, or recording something you know is false about someone), and someone makes a claim against us because of it, you will cover our reasonable losses and costs, including reasonable legal fees, to the extent they result from what you did. This does not apply to the extent the claim results from our own fault, and it does not apply to a member’s honest account of their own life given in good faith. We will tell you promptly about the claim, let you take part in defending it, and not settle it in a way that admits fault for you without your agreement.

18.10 Events beyond our control. We are not responsible for a delay or failure caused by events beyond our reasonable control, such as natural disasters, epidemics, war, terrorism, civil unrest, government action, labor disputes, failures of the power grid, the internet or a provider’s systems, or attacks on the service that reasonable security could not prevent. We will tell you, do what we reasonably can to limit the effect, and resume as soon as we can. This never allows us to release a record early, to anyone a member did not designate, or before the waiting period ends, and it never cancels a refund these Terms promise.

18.11 Time limit for claims. Except as section 19 says for your state, a claim about the service must be started within one year after the person bringing it knew, or reasonably should have known, of the facts that give rise to it; otherwise it is barred. This does not apply to a claim that section 18.1 protects.

18.12 Where each limit applies. Every limit in this section 18 applies in every state except as section 19 says for that state.

19. State-specific exceptions

19.1 How this section works. The limits in sections 5, 18 and 20 apply in every state, except as this section says for the state where you live. Each exception names the state, the section of these Terms it changes and the law that requires it, and applies only to residents of that state. Everything not named here applies to you in full. We do not offer ToldForward outside the United States.

19.2 California.

• Sections 18.4 to 18.11 never exempt us from responsibility for our own fraud, for willful injury to a person or property, or for a violation of law, whether willful or negligent (California Civil Code § 1668).
• Sections 18.7, 18.8 and 18.11 do not limit your rights or remedies under the Consumers Legal Remedies Act, including its damages and its time to sue, which you cannot waive (Civil Code § 1751).
• Section 20.3: you may bring a case in the county where you signed up, where you lived when you signed up, or where you live when you bring it (California Code of Civil Procedure § 395(b) and (c)).
• No release of unknown claims. Nothing in these Terms is a general release, and nothing in them releases a claim you do not know or suspect you have (Civil Code § 1542).
• Automatic renewal (section 4) follows California’s automatic renewal law (Business and Professions Code §§ 17600 to 17606): our renewal notice comes 30 days before each yearly renewal, within its 15 to 45 days, and is also its annual reminder; a price change is told 30 days before it applies, within its 7 to 30 days; and you can cancel online in Settings or from our emailed link, with no offer standing between you and cancelling.

19.3 New York. If we raise the price of something that renews, we either ask you to agree to the new price first or, if you did not, you may cancel within 14 days after the first charge at the new price and we refund the unused part of the term, pro rata (General Business Law § 527-a(b-1)).

19.4 New Jersey. Sections 18.4 (no other promises), 18.7 (indirect loss), 18.8 (cap), 18.9 (your responsibility for misuse) and 18.11 (time limit) do not apply to you (New Jersey Truth-in-Consumer Contract, Warranty and Notice Act, N.J.S.A. 56:12-15 and 56:12-16). Every other section applies to you in full.

19.5 Massachusetts and Maine. Section 18.4 does not exclude or modify the implied warranties of merchantability and fitness for a particular purpose, and sections 18.7 and 18.8 do not limit your remedies for a breach of those warranties (Massachusetts General Laws chapter 106, § 2-316A; Maine Revised Statutes title 11, § 2-316(5)).

19.6 Louisiana. Sections 18.4 to 18.11 do not exclude or limit our liability for intentional or gross fault, or for causing physical injury (Louisiana Civil Code article 2004).

19.7 Montana, North Dakota, South Dakota and Oklahoma. Sections 18.4 to 18.11 never exempt us from responsibility for our own fraud, for willful injury to a person or property, or for a violation of law, whether willful or negligent (Montana Code Annotated § 28-2-702; North Dakota Century Code § 9-08-02; South Dakota Codified Laws § 53-9-3; Oklahoma Statutes title 15, § 212).

19.8 The time limit for claims (section 18.11).

• It does not apply if you live in Florida (Florida Statutes § 95.03), Idaho (Idaho Code § 29-110), Montana (Montana Code Annotated § 28-2-708), North Dakota (North Dakota Century Code § 9-08-05), Oklahoma (Oklahoma Statutes title 15, § 216) or South Dakota (South Dakota Codified Laws § 53-9-6). The time your state’s law allows applies instead.
• In Texas, it is two years instead of one (Texas Civil Practice and Remedies Code § 16.070).

19.9 Where a case is brought (section 20.3).

• Idaho: you may bring a case in the courts of Idaho (Idaho Code § 29-110).
• North Carolina: if you made this agreement in North Carolina, you may bring a case in the courts of North Carolina, and we will not require it to be heard in another state (North Carolina General Statutes § 22B-3).
• California: as section 19.2 says.

19.10 Not in these Terms. These Terms have no arbitration clause, no class-action waiver and no jury-trial waiver (section 20.5), so no state’s rule on those changes anything here.

20. Disputes, governing law and courts

20.1 Talk to us first. If you have a complaint, please tell us through https://toldforward.com/contact or by mail to D2X Enterprises LLC, 30 S 15th St Ste 1550 PMB 852931, Philadelphia, PA 19102, saying who you are, what happened and what you would like us to do. Before either of us starts a court case (other than in small claims court, or to stop misuse of a record or an attack on the service), we each agree to try in good faith to resolve it for 60 days after the other receives that notice. Any time limit for the claim is paused for those 60 days. This does not stop you from contacting your state attorney general or any regulator at any time.

20.2 Governing law. These Terms are governed by the laws of the Commonwealth of Pennsylvania, USA, without regard to its conflict-of-laws rules, subject to section 19 and to section 10.10 (the digital-assets law of a member’s state of residence, where it applies).

20.3 Courts. Any dispute goes to the Court of Common Pleas of Berks County, Pennsylvania, or the United States District Court for the Eastern District of Pennsylvania (the federal court for Berks County), except where section 19 says otherwise for your state.

20.4 Small claims. Either of us may bring a claim that qualifies in a small claims court where you live, or in a magisterial district court in Berks County, Pennsylvania.

20.5 No arbitration. There is no arbitration clause, no class-action waiver and no jury-trial waiver in these Terms. You keep your right to go to court.

21. If part of these Terms cannot be enforced

If a court decides that any part of these Terms is invalid or unenforceable, that part will be read down and applied to the greatest extent the law allows, rather than removed, and the rest of these Terms stays in effect.

22. Electronic communications and signatures

22.1 Electronic records. You agree to receive notices, acknowledgments, receipts, agreements and exports from us electronically, by email, text and on the website. You need a device with a current web browser, an email account and a mobile phone number that can receive texts. Your agreement covers every document about your account and your role, for as long as you have them. You can keep your email address and phone current in Settings. You may ask for a paper copy of any agreement you made with us, free of charge, by writing to us at the address in section 24. You can withdraw your agreement to electronic records by closing your account or by writing to us; because ToldForward runs online, withdrawing it ends your use of the service, but it does not undo anything you agreed to before.

22.2 Where you sign or accept an agreement electronically, we record the version, a fingerprint of the text where there is one, your typed name where we ask for it, the time, your IP address and your browser, and keep them for as long as the agreement matters.

22.3 You can stop texts by replying STOP. Some texts protect you, such as the safety check after a death report, so we will still email those.

22.4 Emails about your account and record. The service’s own emails come from toldforward.com: sign-in and verification codes; notices about your account, membership, billing and record; invitations; wait-list emails; and messages about a death report, a waiting period or a hand-over. They are part of the service, so you receive them while you have an account, whether or not you agree to news and offers. They say that something happened, never what a record says, and each includes our postal address. They carry no advertising, with one exception: when we invite someone to join ToldForward, the invitation is itself an offer, so it also says how to ask us to stop sending invitations, and we send no more to that address once asked.

22.5 News and offers, only if you ask for them. When you create an account you may tick a box to receive occasional news and offers from ToldForward by email. It is unticked unless you tick it, and it is never a condition of any membership, role or purchase. We keep a record of your choice: the version of the wording you saw, the time, your IP address and your browser. We send these emails from e.toldforward.com, through our email marketing provider, Brevo (Privacy Policy, section 5.2). They never contain anything from a record. Every one of them includes our postal address and an unsubscribe link, and you can stop them at any time, with that link or in Settings; we act on it within 10 business days at most, and never charge you or ask for anything but your email address to do it. Stopping them never affects the emails in section 22.4. We never send news and offers to anyone because a member designated them, and never to a person a member designated while the member’s waiting period runs (section 10.4).

23. General

23.1 Transfer. We may transfer these Terms only to a successor bound by them, our Privacy Policy and members’ instructions (section 16). You may not transfer your account, your role or these Terms.

23.2 The whole agreement. These Terms, the Acceptable Use Policy and the agreements in section 1.4 are the whole agreement between you and us about the service. Our website, emails and help pages describe the service in short form; where they summarize these documents, these documents control. We keep that copy consistent with these documents, and we correct it if it is not. Nothing in this section allows us to rely on these Terms to excuse a statement we make that is misleading.

23.3 Not giving up rights. If we do not enforce a right at once, we have not given it up.

23.4 Notices. We send notices to the email address in your account, and, after a member’s death, to the people they designated. You send notices to us by mail at the address in section 24, or through https://toldforward.com/contact.

23.5 Who can rely on these Terms. These Terms are between you and us. A member’s designees may rely on the parts that give them rights to the member’s record (sections 10 and 11), as the Access Terms say; no one else has rights under them.

23.6 What survives. Sections 8.4, 8.7, 10, 11, 12, 14, 16, 18 to 21 and this section survive the end of your membership, your role or your account, and a member’s death.

23.7 Words. Headings are for convenience. “Including” means “including, without limitation”.

24. Contact

D2X Enterprises LLC, 30 S 15th St Ste 1550 PMB 852931, Philadelphia, PA 19102, USA. Contact form: https://toldforward.com/contact.