Terms and Conditions of Service

SafeKept Ltd – safekept.co.uk

Version 1.0 – March 2026

1. Introduction and Agreement to Terms

These Terms and Conditions (the "Terms") set out the rights and obligations of SafeKept Ltd ("SafeKept", "we", "us", or "our") and any individual or organisation accessing or using the SafeKept platform, website at https://www.safekept.co.uk, and mobile application (collectively the "Services").

SafeKept is a secure digital estate management and bereavement notification platform. It enables individuals to store financial accounts, documents, and digital assets in an encrypted vault, and enables executors and professional partners to notify financial institutions, government bodies, and other organisations following the death of an account holder.

BY ACCESSING OR USING THE SERVICES, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.

2. Definitions

"Consumer" – An individual who uses the SafeKept Platform to store personal financial and estate information in the digital vault.

"Executor" – A person appointed or acting as executor, administrator, or personal representative of a deceased's estate.

"Vault" – The encrypted digital storage area where a Consumer stores financial accounts, documents, and digital assets.

"Institution" – Any bank, building society, insurance company, pension provider, or other organisation to whom a notification is sent.

"Partner" – A professional organisation (law firms, accountancy firms, funeral homes, financial institutions) registered to use the SafeKept Partner Portal.

3. Eligibility

The Services are intended for users who are at least 18 years old. By using the Services you represent and warrant that:

  • You are at least 18 years of age.
  • You are resident in the United Kingdom or are acting as an Executor or Partner in respect of a UK estate.
  • All registration information you submit is true, accurate, current, and complete.
  • You have the legal capacity and authority to agree to these Terms.

4. Description of Services

Consumer Vault: SafeKept provides Consumers with a secure encrypted digital vault in which they may store details of their financial accounts, insurance policies, pension arrangements, property, vehicles, digital assets, and important documents.

Estate Notification Services: Following the death of a Consumer and activation of an Estate Case by an Executor, SafeKept provides generation of formal Notification Letters, dispatch of letters by post, submission of notifications via the Death Notification Service, and tracking of notification responses.

Services SafeKept Does Not Provide: Legal advice or probate services, financial or investment advice, tax or accounting advice, custody or control of any financial assets.

5. Purchases and Subscriptions

Consumer Subscription Plans:

  • Starter Plan: Free of charge with limited vault entries.
  • Guardian Plan: Monthly or annual subscription.
  • Estate Pro Plan: Monthly or annual subscription with full estate activation features.

Your subscription will continue and automatically renew unless cancelled. All purchases are non-refundable.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SAFEKEPT SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, OR PUNITIVE DAMAGES.

SafeKept shall not be liable for any loss arising from the failure of any Institution to process or act upon a Notification Letter, any loss arising from the non-delivery of any postal letter, or any loss of cryptocurrency or digital assets.

7. Governing Law

These Terms are governed by and interpreted in accordance with the laws of England and Wales. SafeKept Ltd and yourself both agree to submit to the exclusive jurisdiction of the courts of England and Wales.

8. Contact Us

In order to resolve a complaint regarding the Services or to receive further information, please contact us at: