Terms of Service

1. Agreement to Terms

By accessing or using EstateCopilot ("Service", "Platform", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our Service.

2. Description of Service

EstateCopilot provides an online platform for UK estate administration, including:

• Task management and tracking for estate administration
• Asset and debt recording and valuation
• Automated probate and confirmation form generation (PA1P, PA1A, C1)
• Inheritance tax assessment and calculation tools
• Document storage and organization
• Guidance and support resources
• Downloadable guides, checklists, and educational materials
• Video content and tutorials (on-platform and via third-party channels)
• Social media content published on our official accounts

3. Important Disclaimer: Information and Guidance Only — Not Legal, Tax, or Financial Advice

3.1 What We Mean by "Information and Guidance"

The content, tools, and automated outputs provided by EstateCopilot are general in nature. They describe how estate administration processes typically work, what legal requirements generally apply, and what steps are commonly involved — without reference to the particular facts of your estate or your personal situation.

Examples of information and guidance we provide:

• Explaining that in England & Wales, a grant of probate is generally required before institutions will release assets above approximately £5,000.
• Describing the current inheritance tax (IHT) nil-rate band threshold (£325,000) and the residence nil-rate band, and how they are calculated under HMRC rules.
• Setting out the typical steps in estate administration — gathering assets, advertising for creditors, paying debts, and distributing to beneficiaries.
• Indicating which HMRC or court form is typically used in a given jurisdiction (e.g. PA1P for probate in England & Wales when there is a will).
• Noting that executors have a legal duty to act in the interests of the estate and its beneficiaries.
• Explaining that IHT is generally due six months after the end of the month in which the person died.
• Describing what types of assets are typically included or excluded from the probate estate (e.g. jointly owned assets that pass by survivorship).

This information reflects general UK law and HMRC guidance as understood at the time of writing. It is not updated in real time and may not reflect the most recent legislative or regulatory changes.

3.2 What We Mean by "Advice" — and Why We Do Not Provide It

Legal, tax, and financial advice involves a qualified professional applying the law or specialist knowledge to the specific facts of your situation and giving you a personalised recommendation or opinion. EstateCopilot does not do this.

Examples of advice that EstateCopilot does NOT provide:

• Telling you whether or not to challenge a will on the grounds of undue influence, lack of testamentary capacity, or any other basis.
• Recommending whether you should accept or renounce your role as executor given your personal circumstances.
• Advising you on whether a particular debt of the estate is legally enforceable or statute-barred.
• Telling you the specific IHT or income tax liability of the estate and when it must be paid.
• Advising you whether to bring or defend a claim under the Inheritance (Provision for Family and Dependants) Act 1975.
• Recommending what to do if beneficiaries are in dispute, or how to resolve a contested will.
• Advising on the tax treatment of specific estate assets (e.g. whether a particular business qualifies for Business Relief).
• Telling you whether a foreign asset should be included in a UK probate application or how it is taxed.
• Giving you a legal opinion on any document, agreement, or transaction relating to the estate.

The key distinction is this: information tells you how the law or process generally works; advice applies that law or process to your specific facts and tells you what you should do. EstateCopilot provides the former, not the latter.

3.3 Automated Tools and Form Generation

Our IHT assessment tools, probate form generators, and task checklists are based on the information you enter and apply general rules to produce outputs. These outputs are automated and not reviewed by a solicitor or other qualified professional. They are intended as a starting point to assist you, not as a definitive or guaranteed result. You are responsible for reviewing all generated documents for accuracy before submitting them to any court, HMRC, or other authority.

3.4 When You Should Seek Professional Advice

You should consult a qualified solicitor, tax adviser, or financial adviser if:

• The will is disputed or there are concerns about its validity.
• A claim may be made against the estate (e.g. under the Inheritance Act).
• The estate is insolvent or there are significant or complex debts.
• There are business assets, agricultural property, overseas assets, or trust interests.
• The IHT position is complex (e.g. gifts with reservation, deeds of variation, or lifetime gifts that may be chargeable).
• Beneficiaries include minor children or persons who lack mental capacity.
• You are uncertain about your duties or potential personal liability as executor.
• You have any doubt about whether a particular step is legally correct.

EstateCopilot is designed to assist executors managing straightforward estates. It does not replace professional legal, tax, or financial advice where that advice is needed.

3.5 Application to Specific Content Formats

The information and guidance disclaimer in this Section 3 applies equally to all content formats provided or published by EstateCopilot, including the following.

Downloaded Content (Guides, PDFs, Checklists, and Worksheets)

Downloadable materials made available by EstateCopilot — including PDF guides, checklists, worksheets, and any other documents provided free of charge or as part of a paid subscription — are provided for general information and educational purposes only. They do not constitute legal, tax, or financial advice. Downloading or using such materials does not create any professional or advisory relationship between you and EstateCopilot.

Downloadable content reflects general UK law and practice as understood at the time of publication. It is not updated in real time and may not reflect subsequent changes in legislation, HMRC guidance, court rules, or fee levels. You should not rely on downloaded materials as a substitute for current, professional advice tailored to your circumstances.

Video Content

Video content published or made available by EstateCopilot — whether on our platform, website, YouTube, or any other channel — is provided for general information and educational purposes only. It does not constitute legal, tax, or financial advice. The same limitations described in Sections 3.1 to 3.4 apply fully to video content.

Videos are produced at a point in time and may not reflect subsequent changes in law, HMRC guidance, court procedures, or probate fees. We do not guarantee that any video remains current at the time you view it. Nothing in any EstateCopilot video should be treated as a personalised recommendation or opinion about what you should do in your specific situation.

Social Media Content

Content published by EstateCopilot on social media platforms — including but not limited to LinkedIn, Instagram, Facebook, X (formerly Twitter), TikTok, and YouTube — is provided for general information and awareness purposes only. Social media posts, captions, reels, stories, comments, and replies do not constitute legal, tax, or financial advice and should not be relied upon as such.

Due to the nature of social media, content is necessarily brief and cannot address the specific facts of your situation or estate. Nothing in any EstateCopilot social media post or interaction should be treated as a personalised recommendation or professional opinion. You should always verify information with an up-to-date source or qualified professional before acting on it.

4. Use of Automated Systems and Artificial Intelligence

4.1 How the Platform Works

EstateCopilot uses rule-based automated systems to generate task suggestions, calculate IHT values, populate probate forms, and determine which administrative steps apply to your estate. These systems work by applying fixed logic to the information you provide — for example, your jurisdiction, the estate's total value, whether a will exists, and which assets have been recorded.

They do not learn from your data, adapt over time, or make inferences about your circumstances beyond the inputs you supply.

4.2 Task Suggestions Are Based on General Probate Processes

The task lists and checklists generated by the platform are derived from standard UK probate and estate administration processes. They reflect the typical steps required under the law of the relevant jurisdiction (England & Wales, Scotland, or Northern Ireland) based on the estate details you enter.

Task suggestions are not personalised recommendations. They represent what is generally required for estates with similar characteristics — not a tailored assessment of your specific legal situation. Some suggested tasks may not apply to your estate; others that are relevant to your specific circumstances may not be listed. You remain responsible for ensuring all necessary steps are taken.

4.3 We Do Not Use AI or LLMs to Analyse Your Data

EstateCopilot does not use large language models (LLMs), generative AI, or any artificial intelligence system to analyse, interpret, or make decisions about your personal data or estate information.

Specifically:

• Your estate data (assets, debts, beneficiary details, documents) is not processed by any AI or machine-learning model.
• Your data is not shared with, sent to, or used to train any AI model or third-party AI service.
• No AI system reads, summarises, or draws conclusions from the documents you upload.
• No AI system generates the content of probate forms, IHT calculations, or task suggestions — these are produced by deterministic, rule-based code.

4.4 Future Changes

If we introduce any AI-powered features in the future that involve processing your personal data, we will update these Terms and our Privacy Policy before doing so, and provide appropriate notice in accordance with Section 15 (Changes to Terms).

5. Account Registration

5.1 Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use this Service. You must be an executor, administrator, or authorised representative of an estate.

5.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorised access

6. Pricing and Payment

6.1 Fees

EstateCopilot offers two pricing tiers: Free (£0) and Full Estate (£279). All fees are one-time payments unless otherwise specified.

6.2 Payment Processing

Payments are processed securely through Stripe. By providing payment information, you represent that you are authorised to use the payment method.

6.3 Refund Policy

We offer a 30-day money-back guarantee. After 30 days, refunds are considered on a case-by-case basis. To request a refund, contact support@estatecopilot.co.uk

7. User Responsibilities

You agree to:

• Provide accurate and complete information
• Update information promptly when it changes
• Use the Service only for lawful purposes
• Not misuse, interfere with, or disrupt the Service
• Not attempt to gain unauthorised access to our systems
• Not use the Service to commit fraud or impersonate others
• Comply with all applicable UK laws and regulations

8. Acceptable Use

You may NOT:

• Share your account with others
• Use automated scripts or bots to access the Service
• Attempt to reverse engineer or decompile the platform
• Upload malicious code or viruses
• Violate any laws or regulations
• Infringe on intellectual property rights
• Use the Service for unauthorised commercial purposes

9. Intellectual Property

9.1 Our IP

All content, features, and functionality of the Service (including but not limited to software, text, designs, logos, graphics) are owned by EstateCopilot and protected by copyright, trademark, and other intellectual property laws.

9.2 Your Data

You retain all rights to data you input into the Service. You grant us a limited license to use your data solely to provide and improve the Service.

10. Limitation of Liability

11. Disclaimers and Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Accuracy, completeness, or reliability of information
• Fitness for a particular purpose
• Non-infringement
• Uninterrupted or error-free operation
• Results from using the Service

We do not guarantee that generated forms will be accepted by HM Courts & Tribunals Service, Sheriff Courts, or HMRC. You are responsible for reviewing all generated documents for accuracy.

12. Indemnification

You agree to indemnify and hold harmless EstateCopilot, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your breach of these Terms
• Your violation of any law or third-party rights
• Your role as executor or administrator of an estate

13. Termination

13.1 By You

You may terminate your account at any time by contacting support@estatecopilot.co.uk. Termination does not entitle you to a refund except within the 30-day guarantee period.

13.2 By Us

We may suspend or terminate your account immediately if you:

• Breach these Terms
• Engage in fraudulent or illegal activity
• Fail to pay fees when due
• Misuse the Service in a way that harms us or others

14. Data Protection

Our use of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

15. Third-Party Referral Partners

15.1 Overview

With your explicit consent, EstateCopilot may introduce you to carefully selected third-party professional firms ("Referral Partners") who may be able to assist with matters arising from your estate administration. We will only share your contact details with a Referral Partner if you actively opt in to that specific referral.

15.2 Our Referral Partners

Our current Referral Partners are:

Myerson Limited (Myerson Solicitors)

Myerson Limited is a regulated law firm that can assist with a range of legal services relevant to estate administration, including residential conveyancing (where estate property is to be sold), contentious probate and disputed will matters, and complex inheritance tax planning. Myerson is regulated by the Solicitors Regulation Authority (SRA). If you are introduced to Myerson and subsequently instruct them, Myerson may pay us a referral fee calculated as a percentage of the fee they charge you for their services. This referral arrangement does not increase the price you pay to Myerson — their fees to you are the same as they would be without the referral.

15.3 Your Consent

We will only share your name and contact details (such as your email address and/or telephone number) with a Referral Partner where you have given your explicit, informed consent at the point of referral. Consent is always optional — you are never required to accept a referral, and declining will not affect your use of EstateCopilot or the price you pay for the Service.

You may withdraw your consent at any time before we have shared your details by contacting us at support@estatecopilot.co.uk. Once your details have been passed to a Referral Partner, please contact that partner directly to exercise your data rights in relation to information they hold about you.

15.4 Referral Fees — Transparency

EstateCopilot may receive a financial payment from Referral Partners when a referral results in you instructing or taking out a product with them. We disclose this to you so that you are aware of the commercial relationship. You are under no obligation to use any Referral Partner, and the existence of a referral fee does not mean that a Referral Partner is the best or only option available to you. We recommend that you obtain independent quotes and consider your options before instructing any third party.

15.5 No Responsibility for Third-Party Services

EstateCopilot is not responsible for the services, advice, conduct, or products of any Referral Partner. Any engagement with a Referral Partner is a separate contract between you and that firm, governed by their own terms and conditions. If you have a complaint about a Referral Partner's services, you should raise it directly with that firm or their relevant regulator (SRA for solicitors; FCA for regulated financial firms).

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Email to your registered address
• Prominent notice on the platform
• Updated "Last updated" date

Continued use of the Service after changes constitutes acceptance of the modified Terms.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and EstateCopilot regarding the Service and supersede all prior agreements.

20. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

21. Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

22. Contact Information

For questions about these Terms, contact us at:

• Support: support@estatecopilot.co.uk

Company Details

EstateCopilot is a trading name of Mintly Ltd.

• Registered in: England & Wales
• Company Number: 14347501
• VAT Number: GB434423319
• Address: 86-90 Paul Street, London, EC2A 4NE

By using EstateCopilot, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.