Your rights.
Our obligations.

These Terms of Service ("Terms") govern your access to and use of the Sucesio platform ("Platform"), operated by Sucesio ("Company", "we", "us"). By creating an account or using the Platform, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, you must not use the Platform. You can reach us at any time at hello@sucesio.io.

The Platform allows you to:

• Centralise information about your physical and digital assets
• Designate contacts and heirs for notification purposes
• Store organisational instructions for post-death information sharing
• Set up periodic check-in reminders as a proxy signal
• Export an organisational summary document (PDF)

None of these functions create legally binding succession arrangements. You must engage qualified legal counsel to create a valid will and estate plan.

You must be at least 18 years of age to use the Platform. By accepting these Terms, you represent that you are of legal age and have full legal capacity to enter into a binding contract under the laws of your jurisdiction.

The Platform is not available to persons whose account has been previously suspended or terminated by the Company.

• You are responsible for maintaining the confidentiality of your account credentials. Never share your password.
• You must provide accurate, current, and complete information during registration and keep it updated.
• Notify us immediately at hello@sucesio.io of any unauthorised access to your account.
• You are solely responsible for all activities that occur under your account.
• We may suspend or terminate accounts where we suspect unauthorised access, fraud, or breach of these Terms.

Access to asset information by designated contacts is subject to a mandatory three-stage verification protocol. No asset information is disclosed until all three stages have been completed.

• Not a proof of death. The Check-In is NOT a reliable indicator of death or incapacity and must NOT be treated as such.
• No automatic transmission. A failed Check-In does NOT automatically share credentials, transfer assets, or execute any legal act. Transmission requires completion of all three stages above.
• Organisational disclosure only. Upon successful completion of the three-stage protocol, designated contacts receive access to the organisational information you have chosen to share. The Company does not execute any legal or financial transfer on your behalf.
• Override at any time. You can cancel, reset, or modify the protocol from your account settings at any time, from any device, or by contacting hello@sucesio.io.
• No liability. The Company accepts no liability for failures, delays, or errors in the transmission protocol, including delays caused by document submission, verification processing, or third-party failure.

• Notification only. Designating a contact in Sucesio creates no legal rights of inheritance and has no binding legal effect.
• No rights during your lifetime. Designated contacts have no access to your account or information while you are alive.
• Your responsibility. You are solely responsible for ensuring designated contacts are aware of and consent to receiving information about them stored in Sucesio.
• No verification. The Company does not verify the identity, legal standing, or relationship of designated contacts.
• PDF export disclaimer. Every document exported from Sucesio carries a mandatory disclaimer: it is an organisational document only, not a legal instrument.

We protect your data with AES-256 encryption at rest and TLS 1.3 in transit. All data is hosted within the European Economic Area. For full technical details, see our Security page and our Privacy Policy.

Despite these measures, no system is completely secure. You use the Platform at your own risk as regards the adequacy of any security measures for your specific circumstances. We do not warrant the Platform is immune to all threats.

• Price. The Platform is offered at the price published on sucesio.io at the time of purchase (currently EUR 200/year, taxes included). Prices may change with 30 days' notice.
• Auto-renewal. Subscriptions renew automatically unless cancelled at least 30 days before the renewal date. You will receive a renewal notice by email at least 30 days in advance.
• EU right of withdrawal. EU consumers have a 14-day right of withdrawal from the subscription date. This right is waived if you explicitly request immediate access to the Platform and acknowledge waiver of the withdrawal right at the time of purchase.
• UK cancellation right. UK consumers have a 14-day statutory cancellation right under the Consumer Contracts Regulations 2013.
• Cancellation. Cancel at any time from your account settings. No refund is issued for partial periods unless required by mandatory consumer law in your country.
• Free trial. If you sign up during a free trial period, your subscription begins at the end of the trial unless you cancel before it expires.

To the maximum extent permitted by applicable law:

• Cap. Our total aggregate liability to you, howsoever arising, will not exceed the total subscription fees you paid in the 12 months before the event giving rise to the claim.
• Excluded losses. We are not liable for: loss of profits; indirect or consequential losses; losses arising from reliance on the Platform as a legal instrument; losses arising from a failed or premature Check-In trigger; losses arising from family or inheritance disputes; or losses caused by third-party actions.
• No exclusion of mandatory rights. Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded by law in your jurisdiction. In particular, EU and UK consumer protection laws may give you additional rights that override these limitations.

All Platform content, software, interfaces, and technology are owned by the Company or its licensors and protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without prior written consent.

Your content is yours. You retain full ownership of all content you upload or create within the Platform. You grant us a limited, non-exclusive, royalty-free licence to process and store your content solely for the purpose of providing the Platform services to you.

• By you. Cancel your account at any time from Settings. Upon cancellation, you have 90 days to export your data.
• By us. We may suspend or terminate access with notice where these Terms are materially breached, or immediately in cases of fraud, illegal activity, or serious security risk.
• Data deletion. After the 90-day export window, all your personal data is permanently deleted from our systems. Billing records are retained for the legally required period.
• After death. In the event of your death, an authorised representative may request account access per your designated instructions. Accounts with no confirmed heir activity are deleted 12 months after confirmed death notification.

These Terms are governed by the laws of Luxembourg (subject to mandatory consumer law provisions in your country of residence, which always apply). Any dispute is subject to the exclusive jurisdiction of the courts of Luxembourg, without prejudice to your rights as a consumer under applicable local law.

EU consumers may also use the EU Online Dispute Resolution platform: ec.europa.eu/consumers/odr

UK consumers retain all rights under the Consumer Rights Act 2015 and applicable ADR regulations. We will provide details of the applicable UK ADR body upon request.

We may update these Terms from time to time. We will notify you of material changes by email at least 30 days before they take effect. Continued use of the Platform after that date constitutes acceptance of the updated Terms. If you do not accept the updated Terms, you may terminate your account before the changes take effect.

Questions? Write to us: hello@sucesio.io

14.1 — Forced heirship rules apply regardless of Platform instructions. In many jurisdictions where Sucesio operates, mandatory succession rules protect certain heirs regardless of the deceased's wishes. These include, without limitation: the réserve héréditaire (France, Belgium, Luxembourg), the legítima (Spain), the Pflichtteil (Germany, Austria), legal shares (Ireland), and forced heirship provisions under Dutch, Swedish, Danish, Norwegian, and Finnish law. Sucesio cannot override these rules. Instructions stored on the Platform that conflict with mandatory heirship rights will not be enforceable against protected heirs.

14.2 — Lex situs for immovable property. The law applicable to the succession of real property and land is determined by the law of the country where the property is situated (lex situs), regardless of what is specified in the Platform or in any will. Under EU Succession Regulation 650/2012, the general connecting factor for movable assets is the last habitual residence of the deceased. The United Kingdom, Ireland, and Denmark are not bound by this Regulation and apply their own national rules. Sucesio does not determine, apply, or advise on which law governs your succession.

14.3 — No legal, tax, or financial advice. Nothing in the Platform, its documentation, or any communication from Sucesio constitutes legal, tax, notarial, or financial advice. The Company is not a law firm, notarial practice, financial institution, or regulated adviser in any jurisdiction.

14.4 — User's sole responsibility. You are solely and entirely responsible for: (a) ensuring that your estate is managed in accordance with applicable succession law; (b) engaging qualified legal professionals (notary, solicitor, avocat, abogado, notaris) to prepare a valid will and estate plan; (c) ensuring the accuracy, completeness, and currency of information stored on the Platform; and (d) communicating your wishes to your heirs and legal representatives directly.

14.5 — Export documents. Every PDF or document exported from the Platform carries a mandatory disclaimer that it is an organisational document only and is not a legal instrument. This disclaimer cannot be removed or overridden.

14.6 — Professional counsel strongly recommended. Cross-border succession — particularly for expatriates holding assets in multiple countries — involves complex and sometimes conflicting legal regimes. We strongly recommend that every user engage a qualified notary or estate lawyer in each country where they hold significant assets before relying on any organisational plan.