Terms of Service

These Terms of Service ("Terms") govern your access to and use of HearthBook (the "Service"), a platform operated by Hearth LLC, an Idaho limited liability company ("HearthBook," "we," "us," or "our").

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By creating an account, clicking to accept these Terms, or using the Service, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the Service.

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1. The Service
HearthBook is a personal organization and planning platform designed to help you organize and connect important information about your life, including people and contacts, financial information, assets and liabilities, documents, insurance, real estate, legal entities, plans, and other information you choose to add.

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Depending on your account level, the Service may include features such as Life Map, Contacts, document storage and AI-assisted extraction, document sharing, Life Tools, collaboration features, and Emergency Access.

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HearthBook is an organizational, informational, and record-keeping tool. HearthBook is not a law firm, financial advisor, investment adviser, broker-dealer, insurance provider, lender, accountant, medical provider, or fiduciary.

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Nothing provided through HearthBook constitutes legal, financial, investment, tax, accounting, insurance, lending, medical, estate-planning, or other professional advice. Use of HearthBook does not create a professional, advisory, fiduciary, attorney-client, medical, or similar relationship. You are responsible for your own decisions and should consult qualified professionals when appropriate.

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2. Eligibility and accounts
You must be at least 18 years old and legally capable of entering into a binding contract to create or use a HearthBook account.
You agree to provide accurate, current, and complete information when creating and maintaining your account.

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Your account is personal to you. You may not transfer or assign your account to another person without our written permission.
You are responsible for maintaining the confidentiality of your login credentials, maintaining control of the email address and authentication methods associated with your account, all activity occurring through your account, and promptly notifying us if you believe your account or credentials have been compromised.

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Two-factor authentication is required on every account. When you create an account, you must enroll a second authentication factor, using either an authenticator app or SMS text message.

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If you choose SMS, you consent to receive one-time verification codes at the number you provide. SMS is optional and you may use an authenticator app instead. Message frequency is one message per login or enrollment attempt. Message and data rates may apply. Reply HELP for help or STOP to cancel; opting out of SMS will require you to enroll an authenticator app to continue accessing your account.

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3. HearthBook Free and Membership
The Service offers HearthBook Free, which is available without a subscription fee, and an optional paid HearthBook Membership that provides additional features.

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HearthBook Free may include features such as Life Map, Contacts, collaboration capabilities, selected Life Tools, and other features we make available from time to time. Membership may include additional features such as:
• document storage and organization;
• AI-assisted document extraction;
• document sharing and optional watermarking;
• setting up and managing Emergency Access;
• additional Life Tools across areas such as Money, Connection, Planning, and Home; and
• other paid features we may add in the future.
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The specific features included in HearthBook Free and Membership may change over time. Current features and pricing will be described through the Service or on our website. You may use HearthBook Free without providing a payment method. If you choose to upgrade to Membership, billing begins when you confirm the purchase at checkout, at the price displayed at checkout, plus any applicable taxes.

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4. Membership billing and automatic renewal
Membership subscriptions automatically renew at the billing interval selected at checkout unless cancelled before the next renewal.
By purchasing Membership, you authorize HearthBook and its payment processor to charge your selected payment method on a recurring basis for the applicable Membership fee and taxes.

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Payments are processed through Stripe Inc. We do not store your full payment card number on HearthBook systems. Your payment transaction may also be subject to Stripe's terms and privacy practices.

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You are responsible for providing a valid payment method and for keeping your billing information current. If a payment cannot be processed, we may attempt to process the payment again and may restrict or suspend paid features until payment is successfully completed.

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5. Cancellation, downgrade, and refunds
You may cancel Membership at any time through the billing tools available in your account or by contacting us.
Cancellation stops future renewal charges. Unless otherwise stated or required by law, your Membership will remain active through the end of the billing period for which you have already paid.

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If your Membership ends but you retain your HearthBook account, documents stored through Membership remain accessible through the Service for 30 days after paid access ends and are retained for up to 90 days after paid access ends."

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"During days 31 through 90, retained Membership documents are not accessible through HearthBook Free. If Membership is not reactivated, applicable document files and associated document metadata are deleted after the retention period, subject to legal, security, backup, and other limited retention obligations described in our Privacy Policy.

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Existing Emergency Access relationships may continue to operate according to the settings previously configured. A HearthBook Free account may be able to remove or stop existing Emergency Access relationships but may be unable to add new emergency contacts or modify certain Emergency Access settings unless Membership is reactivated.

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You are responsible for downloading or otherwise retaining copies of documents you wish to keep before applicable deletion periods expires.

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Except where required by law, Membership payments are non-refundable and we do not provide prorated refunds for partial billing periods. If you believe you were charged in error, contact us and we will review the matter in good faith.

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6. Price and Membership changes
We may change Membership prices, introduce new account levels, modify features, or introduce new fees. If we increase the price of an existing recurring Membership, we will provide reasonable advance notice before the new price applies to a future renewal. If you do not agree to a price increase, you may cancel Membership before the new price takes effect.

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We may add, modify, replace, or discontinue features of HearthBook Free or Membership as the Service evolves. We will make reasonable efforts to provide advance notice when a material change significantly reduces the core functionality available to paying members.

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7. Your Content
"Your Content" means information, records, files, documents, images, notes, contact information, financial information, and other materials that you enter, upload, create, or store through the Service.

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You retain ownership of Your Content.

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You grant HearthBook a limited, non-exclusive license to host, store, reproduce, process, organize, display, transmit, and otherwise use Your Content only as reasonably necessary to:
• provide and operate the Service;
• perform features you request;
• process Your Content using service providers as described in our Privacy Policy;
• make information available to collaborators, emergency contacts, or other people you authorize;
• secure and maintain the Service;
• comply with applicable law; and
• enforce these Terms.

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This license ends when Your Content is deleted from our systems, subject to applicable backup, legal, security, audit-log, and retention requirements described in our Privacy Policy.

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You are responsible for ensuring that you have the right to provide Your Content to HearthBook. If Your Content contains information about another person, you are responsible for having any permission, authority, or other lawful basis required to provide and use that information through the Service.

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8. Artificial intelligence and automated features
Certain HearthBook features use automated tools or artificial intelligence. These features may include document extraction, classification, summarization, information matching, and other functionality associated with Documents, Life Tools, Ask HearthBook, or future Service features. Automated systems can make mistakes.
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AI-generated or automatically extracted information may be incomplete, inaccurate, outdated, or incorrectly interpreted. You are responsible for reviewing information generated or extracted by automated features before saving it, relying on it, or using it to make decisions.

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Where HearthBook presents extracted information for your review, nothing is treated as confirmed merely because an automated system identified or suggested it.
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Automated outputs and Life Tools are provided for organizational and informational purposes only. They are not a substitute for professional judgment or advice and should not be relied upon as legal, financial, investment, tax, accounting, insurance, lending, medical, or estate-planning advice.

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HearthBook may use third-party AI service providers to perform certain processing. Our handling of information used with these providers is described in our Privacy Policy.
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9. Documents and document sharing
Membership may allow you to upload, organize, store, process, download, print, and share documents. You remain responsible for maintaining independent copies of documents that are important to you. HearthBook is not intended to serve as the only permanent repository for original legal, financial, estate, insurance, medical, or other critical records.
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Some document-sharing features may allow you to apply a watermark or other visual identification to shared documents. Watermarking and similar sharing controls are intended to assist with identification and responsible sharing. They do not prevent a recipient from photographing, copying, downloading, printing, redistributing, or otherwise using information the recipient is able to access. You are responsible for selecting which documents or information to share, who receives access, how long access should continue if applicable, and whether access should later be changed or revoked.

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We cannot control what an authorized recipient does with information after receiving or accessing it.

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10. Collaborators
HearthBook may allow you to invite other people to collaborate with you through the Service. Each collaborator must use their own account and credentials. Collaborator access is limited to the functionality and information HearthBook makes available under the applicable collaboration permissions.
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You are responsible for deciding whom to invite, confirming that the person's contact information is accurate, reviewing the access available to that collaborator, and revoking access when it is no longer appropriate.
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A collaborator does not become an owner of Your Content merely because you give that person access through HearthBook.
Inviting a collaborator does not give that person legal authority to make decisions, transact on your behalf, manage your property, or otherwise act as your agent unless that authority exists independently under applicable law or a valid legal instrument.
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11. Emergency Access
Membership may include features that allow you to set up and manage one or more trusted Emergency Access contacts and configure information they may be able to access if needed.

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Depending on the settings you choose, Emergency Access may allow:
• immediate access to selected key information;
• access to designated medical information, if enabled;
• access to selected documents, contacts, companies, or other information;
• a request for broader access to your HearthBook information; and
• broader access after notification and a waiting period you configure.
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Emergency Access is view-only within HearthBook. A person granted Emergency Access may be permitted to view, download, and print information made available to them, but Emergency Access does not allow that person to edit, change, or delete your HearthBook records. You are solely responsible for:
• choosing Emergency Access contacts;
• confirming their contact information;
• deciding what information they may access;
• selecting applicable access levels;
• choosing any available waiting period;
• deciding whether medical access should be enabled; and
• reviewing and updating those settings as circumstances change.
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HearthBook provides the technological mechanism for Emergency Access. We do not independently determine whether an emergency exists, whether a designated person is trustworthy, or whether a contact should exercise access you previously configured. We are not responsible for how an authorized Emergency Access contact uses information after gaining permitted access. Emergency Access is a convenience and information-access feature. It is not a substitute for a will, trust, power of attorney, healthcare directive, beneficiary designation, guardianship arrangement, fiduciary appointment, or other legal document or professional planning. Providing Emergency Access through HearthBook does not itself grant another person legal authority over your affairs.

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12. Life Tools
HearthBook may provide interactive tools intended to help you organize, review, understand, or work with information you have entered into the Service. Life Tools may address areas such as Money, Connection, Planning, Home, estate readiness, insurance, borrowing, net worth, subscriptions, or other topics. Life Tools may use information stored in your HearthBook account to generate summaries, calculations, checklists, comparisons, prompts, or other informational outputs.

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Life Tools do not independently verify all underlying information. Results depend on the information you provide and may not reflect information or circumstances that have not been entered into HearthBook.

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Life Tools are intended to support organization and informed conversations. They do not provide professional advice, determine legal rights, determine eligibility for financial or insurance products, guarantee outcomes, or replace review by qualified professionals.
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13. Third-party professionals, links, and services
The Service may display or link to third-party websites, products, services, professionals, companies, or other outside resources.
This may include results displayed through features such as Find a Pro. Third-party information is provided for convenience and informational purposes. Unless HearthBook expressly states otherwise in writing, the appearance of a third-party professional or business in HearthBook does not constitute an endorsement, recommendation, referral, certification, warranty, or guarantee by HearthBook.

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We do not control and are not responsible for the accuracy of information supplied by third parties, the qualifications, licensing, conduct, availability, pricing, or services of third parties, transactions or communications between you and a third party, or a third party's privacy, security, or contractual practices.
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Your dealings with third parties are directly between you and those third parties and may be subject to separate terms, agreements, and privacy policies.
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14. Acceptable use
You agree to use HearthBook only for lawful purposes and through the functionality we provide.

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You may not:
• upload or transmit unlawful, infringing, fraudulent, defamatory, or malicious content;
• upload information about another person where you lack the legal right to do so;
• access or attempt to access another person's account or information without authorization;
• share or misuse another user's login credentials;
• probe, scan, test, circumvent, or breach security or authentication measures;
• interfere with or disrupt the operation of the Service or its infrastructure;
• introduce malware, viruses, harmful code, or other destructive technology;
• reverse engineer, decompile, disassemble, copy, or attempt to derive source code from the Service except to the extent such restriction is prohibited by law;
• scrape, crawl, data mine, systematically extract, or automatically collect information from the Service except through functionality we expressly provide;
• use HearthBook, its content, or its outputs to develop, train, or improve a competing artificial-intelligence or machine-learning system without our written permission;
• remove copyright, trademark, proprietary-rights, or security notices;
• impersonate another person or misrepresent your affiliation with another person or organization;
• use the Service in a way that violates another person's privacy, intellectual-property rights, contractual rights, or other legal rights;
• use the Service to commit fraud, harassment, abuse, or illegal activity; or
• use the Service in a manner that materially interferes with another person's use of HearthBook.
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We may investigate suspected violations and may suspend, restrict, or terminate accounts when reasonably necessary to protect HearthBook, our users, third parties, or the integrity of the Service.
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15. HearthBook intellectual property
Except for Your Content and third-party materials, HearthBook and the Service are owned by Hearth LLC or its licensors. This includes software, design, interfaces, functionality, text, graphics, logos, trademarks, service marks, visual elements, data structures, and other materials provided by HearthBook.  
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Subject to your compliance with these Terms, Hearth LLC grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable right to access and use the Service for its intended purposes. These Terms do not transfer ownership of HearthBook intellectual property to you.

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“HearthBook” and other names, logos, slogans, product names, and service names used by Hearth LLC are trademarks or service marks of Hearth LLC, whether registered, the subject of pending applications, or protected through use. You may not use those marks without our prior written permission except as permitted by applicable law.
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16. Feedback
If you voluntarily provide comments, suggestions, ideas, feature requests, or other feedback about HearthBook, you grant Hearth LLC the right to use that feedback without restriction or payment to you. This does not transfer ownership of Your Content or authorize us to use your private HearthBook information for marketing.

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17. Electronic communications
You consent to receive Service-related communications electronically. These may include account notices, security alerts, authentication communications, billing and subscription notices, privacy or Terms updates, Emergency Access notifications, notices regarding changes to the Service, and other administrative communications. We may provide communications by email, through the Service, or through another reasonable electronic method associated with your account.

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To the extent permitted by law, you agree that electronic notices satisfy any requirement that a communication be provided in writing.
You are responsible for maintaining a current email address and other applicable contact information in your account. Certain operational or security communications cannot be opted out of while you maintain an account. Marketing communications, if any, will provide any opt-out mechanism required by applicable law.

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18. Third-party service providers
HearthBook relies on third-party service providers for functions such as hosting, infrastructure, databases, authentication, file storage, payment processing, email delivery, security, content delivery, SMS authentication, and AI-assisted processing.
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Use of the Service may involve transmission or processing of information through these providers as necessary to operate HearthBook.
Our Privacy Policy provides additional information about our use of service providers and how personal information is handled.
We are not responsible for outages or failures caused by third-party systems that are outside our reasonable control.
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19. Availability and changes to the Service
We work to make HearthBook reliable and available, but no online service can operate without interruption. The Service may occasionally be unavailable because of maintenance, updates, software or infrastructure failures, internet or telecommunications disruptions, security incidents, third-party provider failures, events beyond our reasonable control, or other technical or operational conditions.

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We do not guarantee uninterrupted, timely, secure, or error-free operation.
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We may modify, add, suspend, or discontinue Service features as HearthBook evolves. We will make reasonable efforts to notify paying members of material changes that significantly reduce Membership functionality.
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20. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE."
HEARTH LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT:
• THE SERVICE WILL ALWAYS BE AVAILABLE;
• THE SERVICE WILL BE ERROR-FREE;
• INFORMATION PROVIDED THROUGH THE SERVICE WILL ALWAYS BE COMPLETE OR ACCURATE;
• AUTOMATED OR AI-ASSISTED OUTPUTS WILL ALWAYS BE CORRECT;
• THE SERVICE WILL MEET EVERY USER'S NEEDS;
• STORED INFORMATION WILL NEVER BE LOST, CORRUPTED, OR UNAVAILABLE; OR
• SECURITY MEASURES CAN PREVENT EVERY UNAUTHORIZED ACCESS OR SECURITY INCIDENT.
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YOU ARE RESPONSIBLE FOR REVIEWING INFORMATION BEFORE RELYING ON IT AND FOR MAINTAINING YOUR OWN BACKUP COPIES OF IMPORTANT DOCUMENTS AND INFORMATION.
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Nothing in this Section limits any warranty or right that cannot lawfully be excluded.
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21. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEARTH LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF DATA, PROFITS, REVENUE, BUSINESS OPPORTUNITY, GOODWILL, OR OTHER INTANGIBLE LOSSES ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEARTH LLC'S AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:
1. THE AMOUNT YOU PAID TO HEARTH LLC FOR THE SERVICE DURING THE TWELVE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
2. ONE HUNDRED U.S. DOLLARS ($100).
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These limitations apply regardless of the legal theory asserted and even if we have been advised of the possibility of damages.
Some jurisdictions do not allow certain exclusions or limitations of liability. In those jurisdictions, these limitations apply only to the maximum extent permitted by law. Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.
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22. Indemnification
You agree to defend, indemnify, and hold harmless Hearth LLC and its owners, officers, and employees from third-party claims, liabilities, losses, damages, judgments, and reasonable expenses, including reasonable attorneys' fees, to the extent arising from:
1. Your Content infringing, misappropriating, or violating another person's rights;
2. your unlawful or material misuse of the Service;
3. your violation of these Terms or applicable law; or
4. information or access you knowingly provide to another person through your HearthBook account in violation of another person's legal rights.
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We will provide prompt written notice of a claim for which we seek indemnification. A delay in providing notice will reduce your obligations only to the extent the delay materially prejudices your ability to defend the claim.

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At our request, you will assume the defense using counsel reasonably acceptable to us. We may participate in the defense with counsel of our choice at our own expense. We will provide reasonable cooperation, with reasonable out-of-pocket costs associated with that cooperation borne by you.

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You may settle a claim without our written consent only if the settlement fully and unconditionally releases Hearth LLC and the applicable protected parties from liability, does not admit fault or wrongdoing by Hearth LLC or those parties, and imposes no payment, continuing obligation, restriction, or other burden on them. Any other settlement requires our prior written consent, which will not be unreasonably withheld or delayed. Your indemnification obligation does not apply to the extent a claim results from Hearth LLC's own acts or omissions.

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23. Suspension and termination
You may stop using HearthBook at any time. You may delete your account through available account controls or by contacting us.
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We may suspend, restrict, or terminate access to the Service if:
• you materially violate these Terms;
• your use presents a security, legal, fraud, abuse, or operational risk;
• payment for Membership remains unpaid;
• continued access could cause harm to HearthBook, another user, or a third party;
• we are required to do so by law; or
• we discontinue the Service.
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Where reasonably practicable, we will provide notice before terminating an account unless immediate action is warranted by security, fraud, legal, or safety concerns. When an account is terminated or deleted, your right to access and use the Service ends. Your information will be retained or deleted according to our Privacy Policy, applicable law, and any applicable account-deletion or backup schedules.

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Any provisions that by their nature should survive termination will survive, including provisions concerning ownership, disclaimers, limitation of liability, indemnification, dispute resolution, and accrued payment obligations.
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24. Legal requests and protection of the Service
We may preserve or disclose information when we reasonably believe doing so is necessary to:
• comply with applicable law, regulation, subpoena, court order, or lawful governmental request;
• establish, exercise, or defend legal claims;
• investigate fraud, abuse, or security incidents;
• enforce these Terms;
• protect HearthBook, our users, third parties, or the public from harm; or
• protect the integrity, rights, or property of Hearth LLC.
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Our handling of personal information in these circumstances is also described in our Privacy Policy. Nothing in these Terms prohibits you from communicating with or participating in lawful proceedings before a government agency or exercising rights that applicable law protects.

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25. Governing law and disputes
These Terms and any dispute arising from or relating to them or the Service are governed by the laws of the State of Idaho, without regard to conflict-of-laws principles. Please read this Section carefully. It requires most disputes between you and Hearth LLC to be resolved through binding individual arbitration, and it includes a waiver of jury trials and class actions. You may opt out as described below.
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Unless applicable law requires otherwise, any legal action arising from or relating to these Terms or the Service must be brought in the state or federal courts located in Idaho. You and Hearth LLC consent to the personal jurisdiction of those courts.

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Informal resolution first. Before starting arbitration or any other proceeding, you and we each agree to first send the other a written notice describing the dispute and the requested resolution (to us: hello@hearthbook.com with "Dispute Notice" in the subject line, or by mail to the address in Section 28; to you: the email address on your account) and to attempt in good faith to resolve the dispute informally for 60 days after the notice is received. Either party may start arbitration only after that period ends.

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Agreement to arbitrate. Except for the matters described under "Exceptions" below, you and Hearth LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Privacy Policy, or the Service will be resolved by binding arbitration on an individual basis, rather than in court. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, as modified by this Section. The arbitrator will have exclusive authority to resolve any dispute about the interpretation, applicability, or enforceability of this arbitration agreement, except that a court will decide any dispute about the enforceability of the class-action waiver below.

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How arbitration works. The arbitration will be conducted by a single arbitrator, in English. Unless you and we agree otherwise, any hearing will be held by videoconference or telephone, or, if an in-person hearing is required, in the county where you live or another mutually agreed location. Payment of AAA filing, administrative, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules. The arbitrator may award the same individual relief that a court could award, and judgment on the award may be entered in any court with jurisdiction.

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Exceptions. Either party may (1) bring a qualifying individual claim in small claims court; (2) seek emergency or temporary injunctive relief in court where permitted by law; or (3) bring a claim in court to protect or enforce intellectual-property rights. For any dispute not subject to arbitration, the state and federal courts located in Idaho will have exclusive jurisdiction, and you and Hearth LLC consent to the personal jurisdiction of those courts.

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Class action and jury trial waiver. You and Hearth LLC each waive the right to a trial by jury and the right to participate in a class action, collective action, consolidated proceeding, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of class or representative proceeding. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) must proceed in court, and the remainder of this Section remains in effect.

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Coordinated filings. If 25 or more similar arbitration demands are filed against Hearth LLC by the same or coordinated counsel or organizations, the parties agree that the demands will be resolved in staged proceedings: the AAA will administer an initial set of up to 10 arbitrations as test cases, and the remaining demands will not be filed, and no fees on them will be due, until the test cases conclude; following the test cases, the parties will engage in a global mediation before further staged sets proceed. Statutes of limitations and fee deadlines are tolled for demands held in abeyance under this paragraph.

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Opt-out right. You may opt out of this arbitration agreement by emailing hello@hearthbook.com with "Arbitration Opt-Out" in the subject line within 30 days after you first create your account or first accept a version of these Terms containing this Section, whichever is later. Your notice must include your name and the email address on your account. Opting out of arbitration does not affect any other part of these Terms.

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Severability and survival. Except as stated in the class-action-waiver paragraph, if any part of this Section is found unenforceable, the remaining parts remain in effect. This Section survives termination of your account or these Terms.

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Nothing in this Section prevents either party from bringing a qualifying claim in small claims court or seeking emergency or injunctive relief where permitted by law.
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26. Changes to these Terms
We may update these Terms from time to time to reflect changes in the Service, our business, applicable law, or our practices.
If we make a material change, we will provide reasonable notice by email, through the Service, or through another appropriate method before the change takes effect when required or appropriate. The Effective Date at the top of these Terms indicates when the current version became effective. Your continued use of the Service after updated Terms become effective constitutes acceptance of those Terms.

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If you do not agree to updated Terms, you must stop using the Service and may cancel or delete your account.

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27. Miscellaneous
Entire agreement. These Terms and the Privacy Policy constitute the agreement between you and Hearth LLC concerning your use of the Service, except where another written agreement expressly states otherwise.

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Severability. If any provision of these Terms is found unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed if necessary, and the remaining provisions will remain in effect.

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No waiver. Failure to enforce a provision of these Terms does not waive our right to enforce that or another provision later.
Assignment. You may not assign or transfer these Terms or your HearthBook account without our prior written permission. Hearth LLC may assign these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, or otherwise as permitted by law.

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No agency or partnership. These Terms do not create a partnership, joint venture, employment, fiduciary, franchise, or agency relationship between you and Hearth LLC.

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Your designation of a collaborator or Emergency Access contact through HearthBook does not create an agency relationship between Hearth LLC and that person.

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Force majeure. Hearth LLC is not responsible for delays or failures caused by circumstances outside our reasonable control, including natural disasters, acts of government, war, civil unrest, telecommunications failures, internet outages, power failures, cyberattacks, labor disruptions, epidemics, or failures of third-party infrastructure.

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Headings. Section titles are provided for convenience and do not limit or alter the meaning of these Terms.

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28. Contact
Questions about these Terms may be sent to:
• Email: Email us at hello@hearthbook.com and put “Terms of Service Question” in the subject line.
• Mail to: Hearth LLC, 1093 East Iron Eagle Drive Ste 125, Eagle, Idaho 83616.

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HearthBook is a service of Hearth LLC.