Nexor Vault Terms of Service

Consumer Account Agreement

Version: 2026-10-30

Last updated: October 30, 2026

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY CREATING AN ACCOUNT OR USING THE NEXOR VAULT SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. THESE TERMS ARE SUBJECT TO CHANGE. WE WILL PROVIDE YOU WITH AT LEAST THIRTY (30) DAYS’ ADVANCE NOTICE BEFORE ANY CHANGES ARE MADE TO THESE TERMS. ANY CHANGES TO THESE TERMS WILL BE INCORPORATED INTO THE TERMS OF SERVICE POSTED TO THIS WEBSITE.

These Terms of Service (“Terms”) are a legally binding agreement between you (“you,” “your,” or “Consumer”) and Nexor Technologies, LLC, an Arkansas limited liability company (“Nexor Vault,” “Company,” “we,” “us,” or “our”), with its principal place of business at 5202 SW Blaire Mont Rd, Bentonville, AR 72713. These Terms govern your access to and use of the Nexor Vault platform and all related services.

ACCEPTANCE OF TERMS

1. By creating an account on, accessing, or using the Nexor Vault platform and any related services, applications, or websites (collectively, the “Service”), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service (“Terms”), together with our Regulation P Consumer Privacy Notice, Online Privacy Policy (the “Privacy Policy”) and AI Processing Disclosure (collectively, the “Agreement”), each of which is incorporated herein by reference. If you do not agree to all of the terms and conditions of this Agreement, please do not create an account or use the Service.

2. You represent and warrant that you have the legal capacity and authority to enter into this Agreement. If you are using the Service on behalf of a business, trust, estate, or other legal entity, you represent and warrant that you have the authority to bind that entity to this Agreement.

3. Your continued use of the Service after we post changes to these Terms constitutes your acceptance of the modified Terms, subject to the notice provisions in Section 68.

DESCRIPTION OF SERVICES; WHAT NEXOR VAULT IS AND IS NOT

4. Service Overview. Nexor Vault is a software platform that provides the following services to registered users:

  • Financial Account Aggregation. Read-only aggregation and display of financial account data (including account balances, transaction history, and holdings) retrieved from your financial institutions through Plaid, Inc. (“Plaid”).
  • Document Vault. Secure cloud-based storage for trust instruments, estate-planning documents, insurance policies, property records, and related financial documents.
  • Trust-Builder Tools. Self-service, AI-powered document-generation tools that produce trust instruments and related estate-planning documents based on templates and information you provide, including beneficiary designations, co-trustee information, and asset details.
  • Access-Sharing. Tools enabling you to grant scoped, section-level access to your vault content to licensed attorneys, certified public accountants (“CPAs”), financial advisors, and family members.
  • Electronic Signatures. E-signature functionality for trust documents generated or stored within the Service.
  • Filing Tracking. Tools to record and track the status of filings that you or your attorney make with the Internal Revenue Service (“IRS”), state courts, and county recorders. Nexor Vault does not itself transmit filings to any governmental authority.

5. NEXOR VAULT IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE. The trust-builder tools and all other features of the Service generate documents based on templates and the information you provide. These tools are software utilities—they do not constitute the practice of law, and the output of the trust-builder tools is not a substitute for the independent professional judgment of a licensed attorney. You should have any trust instrument, estate-planning document, or other legal document generated through the Service reviewed by a licensed attorney in your jurisdiction before execution. Nexor Vault does not review your documents for legal sufficiency, does not advise you on the legal consequences of any document, and does not represent you in any legal matter.

6. NEXOR VAULT IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR CPA FIRM. The Service does not provide investment advice, tax advice, or accounting services. Financial data displayed through the Service is aggregated from third-party sources for informational purposes only and should not be relied upon as the sole basis for any financial decision.

7. Professional Responsibility Disclaimer. Where the Service connects you with a licensed attorney or CPA through the access-sharing or professional-portal features, that professional—not Nexor Vault or its AI systems—is solely responsible for any legal, tax, or accounting advice provided. Nexor Vault does not supervise, direct, or control the professional services rendered by any attorney or CPA, and the existence of a professional’s account on the platform does not create an attorney-client, accountant-client, or fiduciary relationship between you and Nexor Vault.

ELIGIBILITY AND ACCOUNT REGISTRATION

8. Eligibility. To create an account and use the Service, you must: (a) be at least eighteen (18) years of age; (b) be legally competent to enter into a binding contract under the laws of your jurisdiction; and (c) not be a person barred from using the Service under the laws of the United States or any other applicable jurisdiction. The Service is not directed to individuals under the age of thirteen (13), and we do not knowingly collect personal information from children under thirteen (13) without parental consent, except where a minor is named solely as a beneficiary in a trust document uploaded or created by an adult account holder, in compliance with the Children’s Online Privacy Protection Act (“COPPA”), 15 U.S.C. § 6501 et seq.

9. Account Registration. You must provide accurate, current, and complete information during the registration process and update such information as necessary to keep it accurate, current, and complete. You are solely responsible for the accuracy of all information you submit, including any trust tax identifier, beneficiary designations, co-trustee information, and financial account details.

10. Account Security. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must immediately notify Nexor Vault at (479) 770-9539 or through the contact information provided in Section 73 of any unauthorized use of your account or any other breach of security. Nexor Vault will not be liable for any loss arising from your failure to safeguard your account credentials.

11. Professional User Accounts. Attorneys and CPAs accessing the Service through the professional portal (“Professional Users”) represent and warrant that they hold an active, valid license in good standing in each jurisdiction in which they provide services through the Service, and that they will promptly notify Nexor Vault of any change in their licensure status. Professional Users are independently responsible for compliance with all applicable rules of professional conduct, ethical obligations, and licensing requirements.

FINANCIAL ACCOUNT LINKING (PLAID INTEGRATION)

12. Authorization. By linking a financial account through the Service, you authorize Nexor Vault, through Plaid, to access and retrieve your financial account information—including account balances, transaction history, and holdings—from your financial institutions on a read-only basis. Your use of Plaid’s services is also subject to Plaid’s end-user privacy policy, available at https://plaid.com/legal.

13. Representation of Authority. You represent and warrant that you are authorized to grant access to each financial account you link through the Service, including any joint accounts, and that your use of the Service to access such accounts does not violate any agreement between you and your financial institution(s).

14. Data Accuracy. Nexor Vault is not responsible for the accuracy, completeness, or timeliness of any data provided by your financial institutions or by Plaid. Financial data displayed through the Service is provided on an “as available” basis and may be subject to delays, interruptions, or errors originating from your financial institution or Plaid.

15. No Transaction Facilitation. The financial account aggregation feature is read-only. Nexor Vault does not initiate, authorize, or facilitate any financial transactions, transfers, or payments on your behalf. Nexor Vault is not a money transmitter and does not hold, transmit, or control any of your funds.

16. Unlinking. You may unlink any financial account at any time through your account settings. Unlinking stops future data collection from that institution and deletes the account, balance, and transaction records we stored for it. Aggregate net-worth history computed while the account was linked is not removed by unlinking. See the Privacy Policy for information on data deletion requests.

TRUST DOCUMENTS AND ELECTRONIC SIGNATURES

17. Document Generation. Documents generated by the trust-builder tools are based solely on the templates available within the Service and the information you provide. You are solely responsible for the accuracy and completeness of all information entered, and for verifying that the resulting documents meet your jurisdiction’s legal requirements for validity, including any requirements for witnesses, notarization, or specific execution formalities.

18. ESIGN Act and UETA Consent. The electronic signature functionality within the Service is intended to satisfy the requirements of the Electronic Signatures in Global and National Commerce Act (“ESIGN Act”), 15 U.S.C. § 7001 et seq., and the Uniform Electronic Transactions Act (“UETA”) as adopted in your state. Before executing any document electronically through the Service, you must affirmatively consent to conduct business electronically through the in-product ESIGN consent flow. By providing such consent, you agree that:

  • Your electronic signature has the same legal effect, validity, and enforceability as a handwritten signature, to the extent permitted by applicable law;
  • You consent to receive documents, notices, and disclosures electronically in connection with the Service;
  • You may withdraw your consent to electronic signatures at any time by contacting us, but doing so may limit your ability to use certain features of the Service; and
  • You are responsible for maintaining access to electronic devices and software necessary to view and retain electronic records.

19. Jurisdictional Limitations. Certain trust instruments and estate-planning documents may require wet-ink (non-electronic) signatures, witnesses, notarization, or other execution formalities under the laws of your jurisdiction. Nexor Vault makes no representation that electronic execution through the Service will satisfy the execution requirements of every jurisdiction. You are solely responsible for determining whether your jurisdiction permits electronic execution of the specific type of document you are creating.

20. Filing Records. The Service lets you or your attorney record filings made with the IRS, state courts, or county recorders and track their status, based on the information and documents you and/or your attorney provide. Nexor Vault does not transmit filings to any governmental authority, does not independently verify the legal sufficiency, accuracy, or completeness of any filing, and is not responsible for the acceptance or rejection of any filing by any governmental authority.

ACCESS-SHARING FEATURE

21. Granting Access. The Service allows you to grant other users—including attorneys, CPAs, financial advisors, and family members—scoped, section-level access to designated portions of your vault. You are solely responsible for determining which users receive access and the scope of that access (e.g., view-only or download permissions for specific vault sections).

22. Audit Logging. All grantee views, downloads, and access events are recorded in an audit log that is accessible to you through the Service. Nexor Vault maintains these audit logs as part of its security and compliance program.

23. Revoking Access. You may revoke any grantee's access at any time through your account settings. Revocation of access takes effect promptly upon your instruction. However, revocation does not retroactively un-view or un-download content that a grantee previously accessed while authorized, and Nexor Vault is not responsible for any use a grantee makes of content accessed before revocation.

24. Professional User Access. When you grant a Professional User access to your vault, that Professional User is subject to their own professional ethical obligations. Nexor Vault does not supervise or control any Professional User's use of information accessed through the Service.

AI-POWERED FEATURES DISCLOSURE

25. Use of Artificial Intelligence. Nexor Vault integrates artificial intelligence (“AI”) technologies to power certain features of the Service, as described in detail in our AI Processing Disclosure, which is incorporated herein by reference. AI-powered features include, but are not limited to:

  • Trust-builder document generation using AI to produce trust instruments based on templates and your inputs;
  • Document analysis, classification, summarization, and extraction for uploaded trust, estate, insurance, and property documents;
  • Financial data insights derived from aggregated account data retrieved through Plaid; and
  • Platform assistance and contextual help within the application.

26. Third-Party AI Providers. AI processing is performed by third-party service providers, currently including Anthropic, as identified in the AI Processing Disclosure. Data submitted to AI-powered features may be transmitted to these providers subject to contractual data processing agreements. We require our AI service providers to process your data only as necessary to deliver the requested feature or service.

27. AI-Generated Content Is Not Professional Advice. AI-generated content, including trust instruments, document summaries, and financial insights, is produced by automated systems and may contain errors or omissions. AI-powered features are tools to assist you and your professional advisors; they do not constitute legal, tax, investment, or accounting advice. You are responsible for reviewing all AI-generated outputs for accuracy and legal sufficiency before reliance or execution.

28. No Automated Decision-Making. Nexor Vault does not use AI to make decisions that produce legal or similarly significant effects on you without human involvement. AI-powered features generate suggestions, draft documents, and provide information to assist you and your professional advisors in making your own decisions.

SUBSCRIPTION FEES AND BILLING

29. Fee Structure. Access to certain features of the Service requires a paid subscription. Nexor Vault offers tiered subscription plans, the current pricing and feature allocations for which are described on our pricing page at https://nexornetworth.com/pricing. Nexor Vault reserves the right to modify its subscription plans, pricing, and feature allocations at any time.

30. Billing and Auto-Renewal. Subscription fees are billed in advance on a monthly or annual basis, as selected at the time of purchase. Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You authorize Nexor Vault (or its designated payment processor) to charge your payment method on file for all applicable fees.

31. Free Trial. If Nexor Vault offers a free trial period, you will not be charged during the trial. At the end of the trial period, your subscription will automatically convert to a paid subscription at the then-current rate unless you cancel before the trial expires.

32. Refund Policy. Subscription fees are generally non-refundable, except as required by applicable law. If you believe you have been charged in error, contact us within thirty (30) days of the charge at (479) 770-9539 or go to https://www.nexortech.com/#contact.

33. Effect of Non-Payment. If your payment method fails or your account is past due, Nexor Vault may suspend or restrict access to your account. During any suspension for non-payment, your stored documents will be retained in accordance with the Privacy Policy, but you will not be able to access the Service’s active features until payment is resolved.

ACCEPTABLE USE POLICY

34. Permitted Use. You may use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

  • To store, upload, transmit, or distribute any content that is unlawful, fraudulent, defamatory, obscene, or otherwise objectionable;
  • To attempt to access, tamper with, or use any other user's vault, account, or personal information without authorization;
  • To reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of the Service;
  • To use any automated means—including bots, scrapers, crawlers, or data-mining tools—to access or collect data from the Service beyond normal use of your own account;
  • To interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure;
  • To impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity;
  • To use the Service to create, store, or transmit documents for the purpose of perpetrating fraud, identity theft, or any other illegal activity;
  • To circumvent, disable, or otherwise interfere with any security-related features of the Service, including multi-factor authentication, encryption, or role-based access controls; or
  • To violate any applicable local, state, national, or international law or regulation.

35. Enforcement. Nexor Vault reserves the right to investigate and take appropriate action against any user who, in Nexor Vault’s sole discretion, violates these Terms, including without limitation removing content, suspending or terminating the user’s account, and reporting the user to law enforcement authorities.

INTELLECTUAL PROPERTY

36. Nexor Vault's Intellectual Property. The Service, including all software, algorithms, templates, user interfaces, designs, text, graphics, logos, and trademarks, is owned by or licensed to Nexor Vault and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the Service except for the limited right to use the Service in accordance with these Terms.

37. Your Content. You retain all ownership rights in the documents, data, and other content you upload to or create through the Service (“Your Content”). By using the Service, you grant Nexor Vault a limited, non-exclusive, royalty-free, worldwide license to host, store, process, display, and transmit Your Content solely to the extent necessary to provide the Service to you and to those users to whom you have granted access. This license terminates when you delete Your Content from the Service or close your account, subject to reasonable backup and archival retention periods and any legal retention obligations.

38. Template Documents. Trust instruments and other documents generated through the trust-builder tools are produced from templates owned by or licensed to Nexor Vault. You are granted a non-exclusive, non-transferable license to use the generated documents for your personal, non-commercial estate-planning purposes. You may not resell, redistribute, or commercially exploit any template or generated document.

39. Feedback. If you provide Nexor Vault with any suggestions, feedback, or ideas regarding the Service (“Feedback”), you hereby assign to Nexor Vault all right, title, and interest in such Feedback, and Nexor Vault shall be free to use, disclose, reproduce, and commercialize such Feedback without restriction or obligation to you.

CONSUMER PRIVACY AND DATA PROTECTION

40. Privacy Policy. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated herein by reference. By using the Service, you consent to the practices described in the Privacy Policy.

41. Gramm-Leach-Bliley Act (“GLBA”). Because Nexor Vault provides financial account aggregation services through Plaid, Nexor Vault treats itself as a “financial institution” under the GLBA, 15 U.S.C. §§ 6801–6809. In connection therewith:

  • Nexor Vault provides an initial privacy notice to consumers in the Regulation P Consumer Privacy Notice form as described in 12 CFR § 1016 et seq, a copy of which is provided to you at account opening and is available upon request (the “Regulation P Notice”);
  • Nexor Vault maintains a comprehensive written information security program as required by the FTC Safeguards Rule 16 CFR § 314 et seq, including: a designated qualified individual responsible for overseeing the program; regular risk assessments; access controls; TLS encryption in transit and AES-256 encryption at rest; multi-factor authentication; audit trails of shared-access activity; an incident response plan; and annual reporting to the governing body;
  • In the event of a security incident affecting the unauthorized acquisition of unencrypted customer information of 500 or more consumers, Nexor Vault will notify the Federal Trade Commission within thirty (30) days as required by 16 CFR § 314.4(j)(1) and will provide notice to affected consumers and state regulators as required by applicable federal and state breach notification laws.

42. Data We Collect. The Service collects and processes the following categories of personal information, as further detailed in the Privacy Policy and Regulation P Notice: identity information (name, date of birth, email, phone number); the optional tax identifier you may enter for a trust; financial account data; account activity and usage data; trust, estate, insurance, and property documents; and beneficiary and co-trustee information.

43. Third-Party Service Providers. Nexor Vault shares personal information with the following categories of third-party service providers, subject to contractual obligations to protect your data: Plaid (financial account aggregation); Clerk (authentication); Microsoft Azure (database hosting, encrypted document storage, and secrets management); Resend (transactional email); Anthropic (AI processing); and RentCast (property valuation). A complete list of service providers is provided in the Privacy Policy.

44. State Consumer Privacy Rights. Depending on your state of residence, you may have additional rights regarding your personal information under applicable state consumer privacy laws, including but not limited to the California Consumer Privacy Act/California Privacy Rights Act (“CCPA/CPRA”), the Virginia Consumer Data Protection Act (“VCDPA”), the Colorado Privacy Act (“CPA”), and the Connecticut Data Privacy Act (“CTDPA”). These rights may include the right to know what personal information is collected, the right to delete personal information, the right to correct inaccurate information, and the right to opt out of the sharing of personal information. Nexor Vault does not sell your personal information. To exercise any applicable privacy rights, please contact us at (479) 770-9539 or go to https://www.nexortech.com/#contact. We will not discriminate against you for exercising your privacy rights.

45. FTC Act and UDAAP Compliance. Nexor Vault is committed to complying with Section 5 of the Federal Trade Commission Act 15 U.S.C. § 45 and the prohibition on unfair, deceptive, or abusive acts or practices (“UDAAP”) under the Dodd-Frank Act: Title X – Bureau of Consumer Financial Protection. These Terms are intended to be clear, conspicuous, and not misleading, and all material terms are presented in a manner consistent with applicable consumer protection standards.

DISCLAIMERS OF WARRANTIES

46. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEXOR VAULT EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

47. Without limiting the foregoing, Nexor Vault does not warrant that:

  • The Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components;
  • Financial data aggregated through Plaid will be accurate, complete, or current;
  • Documents generated by the trust-builder tools will be legally sufficient, valid, or enforceable in any particular jurisdiction;
  • AI-generated content will be accurate, complete, or free from errors or omissions;
  • The Service will meet your specific requirements or expectations; or
  • Any filing submitted through the Service will be accepted by any governmental authority.

48. TRUST AND ESTATE DOCUMENTS. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT TRUST INSTRUMENTS, ESTATE-PLANNING DOCUMENTS, AND OTHER LEGAL DOCUMENTS GENERATED THROUGH THE SERVICE ARE PRODUCED BY AUTOMATED SOFTWARE TOOLS—NOT BY LICENSED ATTORNEYS—AND THAT SUCH DOCUMENTS MAY NOT COMPLY WITH THE SPECIFIC LEGAL REQUIREMENTS OF YOUR JURISDICTION. AN IMPROPERLY DRAFTED OR EXECUTED TRUST INSTRUMENT MAY HAVE SERIOUS, IRREVERSIBLE CONSEQUENCES, INCLUDING BUT NOT LIMITED TO THE FAILURE OF A TRUST TO BE VALIDLY CREATED, UNINTENDED DISTRIBUTIONS OF ASSETS, ADVERSE TAX CONSEQUENCES, AND PROBATE LITIGATION. NEXOR VAULT STRONGLY RECOMMENDS THAT YOU HAVE ALL TRUST AND ESTATE DOCUMENTS REVIEWED BY A LICENSED ATTORNEY IN YOUR JURISDICTION BEFORE EXECUTION.

LIMITATION OF LIABILITY

49. Exclusion of Certain Damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NEXOR TECHNOLOGIES, LLC, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS (COLLECTIVELY, THE “NEXOR PARTIES”) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

  • Your use of or inability to use the Service;
  • Any errors, inaccuracies, or omissions in documents generated by the trust-builder tools or AI-powered features;
  • The failure of any trust instrument or estate-planning document to achieve its intended legal effect;
  • Any unauthorized access to or alteration of your data or documents;
  • The inaccuracy, incompleteness, or unavailability of financial data aggregated through Plaid;
  • Any action or inaction by a Professional User (attorney or CPA) with whom you share access;
  • The rejection or non-acceptance of any filing by a governmental authority; or
  • Any other matter relating to the Service.

50. Aggregate Liability Cap. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE NEXOR PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO NEXOR VAULT DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00).

51. Trust/Estate-Specific Acknowledgment. You expressly acknowledge that estate-planning errors—including a mis-executed trust, an invalid beneficiary designation, or a document that fails to comply with applicable state formalities—may have real-world, irreversible consequences that are materially different from the consequences of a typical software service failure. The limitations of liability set forth in this section reflect the allocation of risk between the parties in light of the subscription fees charged and the nature of the Service as a self-service software tool, and are a fundamental element of the basis of the bargain between you and Nexor Vault. You agree that Nexor Vault would not provide the Service to you without these limitations.

52. Applicability. THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER THE NEXOR PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IN SUCH JURISDICTIONS, THE LIABILITY OF THE NEXOR PARTIES SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

INDEMNIFICATION

53. Consumer User Indemnification. You agree to indemnify, defend, and hold harmless the Nexor Parties from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms or any applicable law or regulation; (c) the accuracy or legality of Your Content or any information you provide through the Service; (d) your execution, recording, or reliance upon any document generated through the Service without independent legal review; or (e) your grant of access to any third party through the access-sharing feature.

54. Professional User Indemnification. In addition to the foregoing, Professional Users (attorneys and CPAs) agree to indemnify, defend, and hold harmless the Nexor Parties from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) the professional services rendered by the Professional User to any consumer user through or in connection with the Service, including any allegation of malpractice, negligence, breach of fiduciary duty, or violation of professional ethical rules; (b) any misrepresentation by the Professional User regarding their licensure status, qualifications, or authority; or (c) the Professional User’s access to, use of, or disclosure of any consumer user’s vault content, documents, or personal information.

55. Indemnification Procedure. Nexor Vault will provide the indemnifying party with prompt written notice of any claim subject to indemnification (provided that failure to provide such notice shall not relieve the indemnifying party of its indemnification obligations except to the extent materially prejudiced thereby). The indemnifying party shall have the right to assume control of the defense of such claim with counsel reasonably acceptable to Nexor Vault; provided, however, that Nexor Vault may participate in the defense at its own expense. No settlement that imposes any obligation on Nexor Vault may be entered into without Nexor Vault’s prior written consent.

TERMINATION

56. Termination by You. You may terminate your account and these Terms at any time by canceling your subscription and closing your account through your account settings or by contacting us at (479) 770-9539 or go to https://www.nexortech.com/#contact. Termination does not entitle you to a refund of any prepaid subscription fees, except as required by applicable law.

57. Termination by Nexor Vault. Nexor Vault may suspend or terminate your access to the Service, in whole or in part, at any time and for any reason, including but not limited to: (a) your breach of these Terms; (b) your failure to pay subscription fees when due; (c) conduct that Nexor Vault reasonably believes is harmful to other users, third parties, or the business interests of Nexor Vault; or (d) if required by law, regulation, or legal process. Where practicable, Nexor Vault will provide you with reasonable advance notice before terminating your account, except where immediate termination is necessary to protect the security or integrity of the Service or to comply with legal obligations.

58. Effect of Termination. Upon termination of your account: (a) your right to access and use the Service immediately ceases; (b) any licenses granted to you under these Terms are immediately revoked; and (c) Nexor Vault may delete or retain Your Content in accordance with the data retention provisions of the Privacy Policy. Trust records co-owned with other stakeholders (e.g., co-trustees, beneficiaries) are not automatically deleted upon account closure; a separate joint-deletion process governs those records as described in the Privacy Policy.

59. Data Export. You may request a copy of Your Content in a commonly used electronic format at any time before your account is closed and for thirty (30) days after the effective date of account closure or termination (the "Export Period"). This includes termination by Nexor Vault under Section 57, unless providing the export is prohibited by law or legal process. Nexor Vault will retain Your Content during the Export Period for this purpose and will make commercially reasonable efforts to provide the export within thirty (30) days of your request. After the Export Period ends, Nexor Vault may delete or retain Your Content in accordance with the data retention provisions of the Privacy Policy, and may be unable to provide access to or a copy of Your Content.

60. Survival. Nexor Vault’s Description of Services, Intellectual Property, Disclaimers of Warranties, Limitation of Liability, Indemnification, Data Export, Dispute Resolution and Arbitration, Governing Law, Severability, and Entire Agreement shall survive any termination or expiration of these Terms.

DISPUTE RESOLUTION AND ARBITRATION

61. Informal Resolution. Before initiating any formal dispute resolution proceeding, you agree to first contact Nexor Vault at (479) 770-9539 or go to https://www.nexortech.com/#contact in attempt to resolve the dispute informally for a period of at least sixty (60) days. Most disputes can be resolved without resort to formal proceedings.

62. Binding Arbitration. If a dispute cannot be resolved informally, you and Nexor Vault agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (each, a “Dispute”) shall be resolved exclusively by binding individual arbitration, rather than in court, except as otherwise expressly provided. This arbitration agreement is governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1–16. The arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, which are available at www.adr.org. The arbitration shall be conducted by a single arbitrator in Benton County, Arkansas, or, at your election, by telephone, videoconference, or based on written submissions. The arbitrator shall apply the substantive law of the State of Arkansas (without regard to conflict-of-laws principles) and shall have the authority to award any remedy that would be available in a court of competent jurisdiction.

63. Class Action and Jury Trial Waiver. YOU AND NEXOR VAULT EACH AGREE THAT ANY DISPUTE SHALL BE BROUGHT IN THE RESPECTIVE PARTY’S INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, REPRESENTATIVE, OR MULTI-PARTY ACTION. YOU AND NEXOR VAULT EACH WAIVE ANY RIGHT TO A JURY TRIAL. The arbitrator may not consolidate more than one party’s claims and may not otherwise preside over any form of class, representative, or multi-party proceeding. If this class action waiver is found to be unenforceable as to a particular claim or request for relief, then that claim or request for relief shall be severed from the arbitration and may be litigated in a court of competent jurisdiction.

64. Probate Court Carve-Out. Notwithstanding the foregoing arbitration agreement, nothing in these Terms shall be construed to prevent or limit any party from: (a) seeking emergency or interim injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration; or (b) filing or participating in any proceeding before a state probate court, surrogate’s court, orphans’ court, or any court of competent jurisdiction exercising probate or trust-administration jurisdiction, to the extent that such court has exclusive or concurrent jurisdiction over the subject matter of the dispute under applicable state law. The parties acknowledge that certain disputes involving the validity, interpretation, or administration of trust instruments or testamentary documents may fall within the exclusive jurisdiction of state probate courts, and this arbitration agreement is not intended to, and shall not be construed to, divest any such court of its jurisdiction.

65. Arbitration Fees. If Nexor Vault initiates arbitration, Nexor Vault will pay all AAA filing and arbitration fees. If you initiate arbitration, filing fees will be apportioned as provided by the AAA Consumer Arbitration Rules. If the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose, the arbitrator may reallocate fees in accordance with the AAA Rules.

66. Opt-Out. You may opt out of this arbitration agreement by providing notice to Nexor Vault at (479) 770-9539 or going to https://www.nexortech.com/#contact within thirty (30) days of first accepting these Terms. Your notice must include your name, mailing address, email address associated with your account, and a clear statement that you wish to opt out of this arbitration agreement. If you timely opt out, either party may pursue claims in court. If you do not opt out in a timely manner, you will be bound by this arbitration agreement.

GOVERNING LAW

67. These Terms, and any dispute or claim arising out of or in connection with these Terms or the Service, shall be governed by and construed in accordance with the laws of the State of Arkansas, without regard to its conflict-of-laws principles, except to the extent preempted by the Federal Arbitration Act or other federal law. To the extent that any Dispute is not subject to arbitration under these Terms, you and Nexor Vault agree to submit to the exclusive jurisdiction of the state and federal courts located in Benton County, Arkansas.

CHANGES TO TERMS

68. Right to Modify. Nexor Vault reserves the right to modify these Terms at any time. When we make material changes to these Terms, we will: (a) update the “Last Updated” date of these Terms; (b) provide you with notice of the changes by email to the address associated with your account and/or by prominent in-app notification; and (c) provide at least thirty (30) days’ advance notice before the material changes take effect, except where a shorter notice period is required by law or is necessary to protect the security or integrity of the Service.

69. Acceptance of Changes. Your continued use of the Service after the effective date of any modified Terms constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Service and close your account before the effective date of the changes.

70. Arbitration Clause Changes. Notwithstanding the foregoing, changes to the arbitration agreement in these Terms will not apply retroactively to any Dispute of which Nexor Vault had written notice prior to the effective date of the change.

SEVERABILITY

71. If any provision of these Terms is held by a court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, and the remaining provisions of these Terms shall continue in full force and effect. If such modification is not possible, the invalid provision shall be severed from these Terms, and the remaining provisions shall be interpreted so as to best effectuate the original intent of the parties.

ENTIRE AGREEMENT

72. These Terms, together with the Privacy Policy, AI Processing Disclosure, Regulation P Notice, and any other policies or agreements expressly incorporated herein by reference, constitute the entire agreement between you and Nexor Vault with respect to the subject matter hereof and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and Nexor Vault regarding the Service. No waiver of any provision of these Terms shall be effective unless in writing and signed by an authorized representative of Nexor Vault. The failure of Nexor Vault to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

CONTACT INFORMATION

73. If you have any questions about these Terms or the Service, or if you need to provide any notice under these Terms, please contact us at:

Nexor Vault

c/o Nexor Technologies, LLC

5202 SW Blaire Mont Rd

Bentonville, AR 72713

Phone: (479) 770-9539

Email: akshay@nexortech.com

Website: https://www.nexortech.com/#contact

Rev. October 2026