Terms of Service
Last updated: April 2026
Plain English summary: Use Sema Legacy honestly, for its intended purpose. The assessments and AI outputs are educational tools — not legal, financial, or medical advice. We may suspend accounts that abuse the service.
1. Acceptance of Terms
By creating an account or using Sema Legacy, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the service.
2. Description of Service
Sema Legacy provides interactive assessments, educational content, planning checklists, document storage, and AI-powered tools to help individuals and families evaluate their readiness across estate planning, Medicare, long-term care, retirement planning, Social Security, tax planning, and special needs planning.
3. Not Legal, Financial, or Medical Advice
Sema Legacy is an educational tool, not a licensed professional service. Nothing on this platform constitutes legal, financial, tax, medical, or insurance advice. Always consult a qualified attorney, financial advisor, or other licensed professional before making decisions based on information from this platform.
Your protection score and action plan are based on your self-reported answers and general educational frameworks. They are not personalised professional advice and may not reflect your specific legal or financial situation.
4. Eligibility
You must be at least 18 years old to use Sema Legacy. By using the service, you represent that you meet this requirement.
5. Your Account
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at hello@semalegacy.com if you suspect unauthorised access.
You may not share your account with others. The Family Plan allows you to invite specific family members under a single account — use that feature for shared access.
6. Acceptable Use
You agree not to:
- Use the service for any unlawful purpose
- Attempt to gain unauthorised access to other accounts or systems
- Submit false or misleading information
- Reverse engineer, scrape, or copy content from the platform
- Use the service in a way that could harm or overload our infrastructure
- Attempt to circumvent any rate limits or security measures
7. Subscription and Billing
Some features require a paid subscription. Subscriptions are billed through Stripe. By subscribing, you authorise recurring charges to your payment method at the frequency you select.
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period. We do not offer refunds for partial periods, except where required by applicable law.
We reserve the right to change our pricing. We will provide at least 30 days notice of price increases to active subscribers.
8. Free Trial
New accounts begin with a 7-day free trial with full access to all features. No credit card is required for the trial. At the end of the trial, continued access to premium features requires a subscription.
9. Intellectual Property
All content, design, assessments, and code on Sema Legacy are owned by Sema Legacy and protected by applicable intellectual property laws. You may not reproduce or distribute our content without written permission.
You retain ownership of any content you upload (documents, photos). By uploading, you grant us a limited licence to store and display that content solely to provide the service to you.
10. Limitation of Liability
To the maximum extent permitted by law, Sema Legacy and its operators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of — or inability to use — the service. Our total liability for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.
11. Disclaimers
The service is provided "as is" without warranty of any kind. We do not warrant that the service will be uninterrupted, error-free, or that any information provided is accurate, complete, or current.
12. Termination
We reserve the right to suspend or terminate accounts that violate these Terms, engage in abusive behaviour, or where required by law. You may delete your account at any time from account settings.
13. Governing Law
These Terms are governed by the laws of the jurisdiction in which Sema Legacy operates, without regard to conflict of law principles.
14. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes by email. Continued use of the service after changes take effect constitutes acceptance of the updated Terms.
15. Contact
Questions about these Terms? Email us at hello@semalegacy.com.