Sparrowkeep Terms of Service

Effective date: August 31, 2026

These terms are an agreement between you and Jaigirdar Capital LLC, a Pennsylvania limited liability company ("Sparrowkeep," "we," "us"). By creating an account or using sparrowkeep.com, you agree to them. We've kept the legalese to a minimum, but this is still a contract — please read it, especially the sections on emergency access, disclaimers, and dispute resolution.

1. What Sparrowkeep is — and isn't

Sparrowkeep is an information-organization tool. It helps you record where your accounts are held, what insurance you have, where your legal documents are located, who your key contacts are, and what your wishes are — and lets trusted people you choose access that information in an emergency.

Sparrowkeep is not a law firm and does not provide legal, financial, tax, or medical advice. Nothing on our site, in our app, or from our AI assistant is legal advice, and using Sparrowkeep does not create an attorney-client relationship. Your Sparrowkeep vault is not a will, trust, power of attorney, or any other legal document, and it does not replace one. For advice about your situation, consult a licensed attorney, financial advisor, or other qualified professional.

2. Your license

When you pay the one-time purchase price, we grant you a personal, non-transferable, non-exclusive license to use Sparrowkeep for your own household's information. "One-time purchase" means no recurring subscription fee for the service as offered at purchase; it is a license to use the service, not ownership of the software. You may not resell access, use the service to store other people's data as a commercial offering, or copy or reverse-engineer the software.

3. Your responsibilities

• Accuracy. You are responsible for the accuracy and completeness of what you enter. Sparrowkeep stores what you give it; it can't verify that your insurance policy number is right or that your will is actually in the drawer you said.
• Keeping it current. Out-of-date information can be worse than none. Please review your vault periodically.
• Choosing keyholders. You choose your keyholders. Choose people you trust — after the waiting period runs, they will be able to read everything in your vault. We cannot evaluate whether your keyholders are trustworthy, and we are not responsible for what a keyholder does with information you chose to share with them.
• Account security. Keep your password secret and your account email secure. Your account email is how we reach you about emergency-access requests, so if you lose access to it, tell us and update it promptly. You're responsible for activity under your account. Tell us immediately at hello@sparrowkeep.com if you suspect unauthorized access.

4. Emergency access — read this carefully

Here's how emergency access works, and what you're agreeing to:

1. You name 1–5 keyholders and choose a waiting period between 7 and 30 days (default: 14).
2. If a keyholder requests access, we immediately email you at your account email.
3. During the waiting period, you can cancel the request with one click and (if you wish) remove that keyholder.
4. If the waiting period passes without you canceling, the keyholder gets read access to your vault.

You acknowledge and accept that this is how the system is designed to work: the request proceeds if you do not or cannot respond. That's the point — it's what lets your family in when you've died or are incapacitated. It also means that if you miss our emails (wrong address, spam folder, extended time offline) and don't cancel, access will be granted. Sparrowkeep does not and cannot independently verify death, incapacity, or the legitimacy of a keyholder's request beyond this notification-and-waiting-period process. Choosing trustworthy keyholders, keeping your email current, and setting a waiting period you're comfortable with are your safeguards, and you agree that Sparrowkeep is not liable for access granted through the process working as described.

5. Acceptable use

Don't use Sparrowkeep to: break the law; store data you have no right to store; store content that is malicious (malware, exploits) or that exploits or endangers minors; attempt to access other users' vaults or probe or disrupt our systems; misrepresent yourself as someone's keyholder or make emergency-access requests you know are illegitimate; or resell or scrape the service. We may suspend or terminate accounts that violate these terms; where practical, we'll warn you first and give you a chance to export your data unless the violation is serious or unlawful.

6. Payments and 30-day refund

The purchase price is a one-time payment processed by Stripe. If you're not satisfied for any reason, email us within 30 days of purchase and we'll refund you in full. After a refund, your license ends and your account will close (we'll give you a chance to export first). This guarantee is in addition to, not instead of, any rights you have under law.

7. The AI assistant

Our chat assistant is an AI, not a human, and is labeled as such. It can make mistakes and it does not give legal, financial, or medical advice. See our Disclosures page for details. Don't rely on it for anything important without checking.

8. Service changes, discontinuation, and your export right

We may improve or change features over time. Your data is yours: you can export your vault contents at any time. If we ever discontinue Sparrowkeep or materially reduce the core service, we will give you at least 90 days' notice by email and keep export available during that entire window, and — if discontinuation occurs within 3 years of your purchase — a pro-rated refund. We know this product is a long-term commitment; this section is our commitment that you won't be stranded.

9. Disclaimer of warranties

Sparrowkeep is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or secure, that emails (including emergency-access notifications) will always be delivered, or that stored information will meet your needs. Plainly: we work hard to make Sparrowkeep reliable, but we can't promise perfection, and you shouldn't make Sparrowkeep your only copy of anything critical.

10. Limitation of liability

To the fullest extent permitted by law: (a) neither we nor our suppliers will be liable for indirect, incidental, special, consequential, or punitive damages, or lost profits, revenues, or data, arising out of or related to the service, even if we've been advised such damages are possible; and (b) our total liability for all claims arising out of or relating to the service or these terms will not exceed the amount you paid us for Sparrowkeep. These limits apply regardless of the theory of liability (contract, tort, negligence, or otherwise) and even if a remedy fails of its essential purpose. Nothing in these terms limits liability that cannot be limited by law, including for gross negligence, willful misconduct, or fraud.

Note for consumers: some states do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above may not apply to you. In those states, our liability is limited to the greatest extent the law allows, and you may have additional rights.

11. Governing law

These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 12. If you live in a state whose consumer-protection laws give you rights this section can't take away, you keep those rights.

12. Dispute resolution

Talk to us first. If you have a problem, email hello@sparrowkeep.com — most issues get fixed this way, quickly. Before starting arbitration or a lawsuit, you agree to send a written description of the dispute to hello@sparrowkeep.com and give us 30 days to try to resolve it informally (and we'll do the same for you).

Small claims. Either of us may bring an individual claim in small-claims court instead of arbitration.

Arbitration. Except as provided above, any dispute arising out of these terms or the service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will be held in your home county or remotely, at your choice; AAA's consumer fee schedule applies, and we will pay arbitration fees that exceed what a court filing would have cost you. You and Sparrowkeep each waive the right to a jury trial and to participate in a class action. Claims may be brought only individually, not as a plaintiff or class member in any class or representative proceeding.

Your right to opt out. Within 30 days of first accepting these terms, you may opt out of this arbitration agreement by emailing hello@sparrowkeep.com with your account email and a statement that you opt out. Opting out has no effect on any other part of these terms.

13. Severability and the rest

If any part of these terms is found unenforceable, the rest remains in effect, and the unenforceable part will be modified to the minimum extent needed. If the class-action waiver is found unenforceable as to a particular claim, that claim proceeds in court, not arbitration. These terms plus our Privacy Policy and Disclosures page are the entire agreement between us. We may update these terms; for material changes we'll email you at least 30 days before they take effect, and continued use after that date is acceptance. Our failure to enforce a provision isn't a waiver of it. You may not assign these terms; we may assign them in connection with a merger, acquisition, or sale of assets, and your protections carry over.

14. Contact

Jaigirdar Capital LLC — 1260 Fuller St, Philadelphia, PA 19111 — hello@sparrowkeep.com