Terms of Use.

We are Lyfeguard Limited ("Company", "we", "us", or "our").

We operate the website https://lyfeguard.com (the "Site"), as well as any related subdomains, web or mobile applications, products, and services that refer or link to these terms of use (the "Legal Terms").

We provide a centralised personal information platform that enables storage, access, insights, and secure sharing of key life data.

You can contact us by email at [email protected] or by post to Lyfeguard Limited, 128 City Road, London, United Kingdom, EC1V 2NX.

Contracting Relationship

These Legal Terms constitute a legally binding agreement between you and Lyfeguard Limited, effective as of the Effective Date, governing your access to and use of the Services.

In these Legal Terms, "you" means:

• the person or entity entering into these Legal Terms as the Client (as defined below), whether acting in a personal capacity or on behalf of an organisation; or
• where relevant, any Trusted User or Affiliated User (as defined below) who accesses or uses the Services in connection with a Client's account, subject to these Legal Terms.

If you are accessing the Services as a Trusted User or Affiliated User with access granted by a Client who has subscribed to the Services, your access is limited to the Client Data and features that have been authorised for you. You must comply with all applicable obligations under these Legal Terms relating to security, confidentiality, acceptable use, and privacy, but you are not responsible for payment obligations or for managing the Services subscription.

By accessing or using the Services (including by creating an account, subscribing, or being granted Trusted User or Affiliated User access), you confirm that you have read, understood, and agreed to be bound by these Legal Terms. IF YOU DO NOT AGREE TO THESE LEGAL TERMS, THEN YOU MUST NOT USE THE SERVICES.

By using the Services, you consent to entering into these Legal Terms electronically, and agree that all agreements, notices, disclosures and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

Important Information

Some of these terms only apply if you are using the Services as a consumer (limited to Direct Users only). This means you are using the Services for your personal, non-commercial use (and will not use our Services for commercial, business or resale purposes). Terms that apply specifically to consumers are clearly marked where relevant.

Personal data that we collect in connection with your use of the Services will be processed in accordance with Clause 8 (Security and Personal Data Processing), our Privacy Policy and applicable data protection laws.

We may update these Legal Terms from time to time. If we do, we will notify you by email or another appropriate method. By continuing to use the Services after the changes take effect, you confirm that you accept and agree to be bound by the updated terms.

The Services are intended only for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print or download a copy of these Legal Terms for your records.

Definitions

In this Agreement, unless the context otherwise requires, the following expressions have the following meanings:

"Affiliated User" means an individual authorised by a Professional Customer to access, view or interact with specified Client Data within the Application, subject to access rights determined by that Professional Customer;

“Agreement” means these Legal Terms, including any documents incorporated by reference (such as the Privacy Policy and Data Processing Agreement), which together form the entire agreement between you and Lyfeguard relating to your access to and use of the Services.

“Application” means the software application known as “Lyfeguard” provided by the Company which is made available to the Client, including any associated subdomains, mobile or web applications, which enables the Client to store, manage, organise and share personal, legal and financial information securely with Trusted Users and/or Affiliated Users;

“ASP Infrastructure” means the Company’s computer hardware, firmware, software, and communications infrastructure which is used to facilitate access to the Application by the Client;

“Business Day” means any day (other than Saturday or Sunday) or a public holiday in England on which banks are generally open for their full range of normal business;

“Business Hours” means any time between 09:00 and 17:00 on a Business Day, during which the Company is open for business;

“Client” means the person or entity entering into these Legal Terms to access or use the Services, whether as a Direct User (for personal, non-commercial use) or as a Professional Customer (for business or professional use).

“Client Data” means any data or information, including personal data, that is uploaded, submitted, created, stored or otherwise made available by the Client (or on its behalf) in the Application or ASP Infrastructure, including any such data that may be shared with Trusted Users and/or Affiliated Users (as applicable);

“Confidential Information” means, in relation to the Company, any information which is disclosed to the Client under or in connection with this Agreement (whether orally or in writing or any other medium, that is marked as confidential or would reasonably be considered confidential), including without limitation any trade secrets, and technical and financial data;

“Direct User” means an individual who subscribes to the Services through the Application for personal, non-commercial use, and not in connection with a trade, business or profession.

“Effective Date” means the date on which you first register for or access the Services, or otherwise accept these Legal Terms.

“Fees” means the sums payable by the Client in return for access to the Services provided by the Company in accordance with Clause 9 (Subscription & Payment) of these Legal Terms;

“Professional Customer" means a company, sole trader, or professional adviser that subscribes to the Services and uses the Services in the course of its trade, business or profession.

“Intellectual Property Rights” means all intellectual property rights including patents, rights to inventions, copyright and related rights, trademarks, trade names and domain names, rights in get-up, rights in goodwill or to sue for passing off, rights in designs, rights in computer software, database rights, rights in Confidential Information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications (or rights to apply) for, and renewals or extensions of, such rights and all similar or equivalent rights or forms of protection which may now or in the future subsist in any part of the world;

“Licence” means the licence granted by the Company to the Client and/or any Affiliated User or Trusted User to use the Application in accordance with Clause 3 (Your Licence to Use the Services);

“LyfeHubs” means the structured digital categories within the Application as described in Clause 1 (Our Services) of these Legal Terms.

“Services” means, collectively, the Application, ASP Infrastructure, and any associated support services provided by the Company to the Client under this Agreement; and

“Trusted Users” means individuals who are granted access to designated Client Data by the Client via the Application, such as family members, advisers or other authorised recipients.

1. Our Services

1.1 Lyfeguard is a secure, cloud-based platform designed to help you manage, organise, and securely share your personal, legal, financial and other key life information. Through our web and mobile applications, you can upload documents, access important data across structured categories (“LyfeHubs”), connect financial accounts and grant access to Trusted Users and Affiliated Users (as applicable).

1.2 The Services are not intended to provide legal, financial or other professional advice. Any actions you take in connection with estate planning, financial decision-making or other matters based on data stored in the Services should be supported by professional advice where appropriate.

1.3 The Services are not intended for distribution to, or use by, any person or entity in a jurisdiction where such use would be unlawful or require additional compliance or registration on our part. If you access the Services from outside the United Kingdom, you do so at your own risk and are responsible for compliance with local laws.

2. Intellectual Property Rights

2.1 We are the owner or the authorised licensee of all Intellectual Property Rights in our Services. This includes the Application and all source code, databases, functionality, software, website designs, audio, video, text, photographs and graphics in the Services (collectively, the “Content”), as well as all associated names, registered or unregistered trademarks, service marks, and logos (the "Marks").

2.2 Our Content and Marks are protected by copyright, trademark, database and other intellectual property laws in the United Kingdom and around the world (as applicable).

2.3 The Content and Marks are provided in or through the Services “AS IS” for your personal, non-commercial use only.

2.4 Nothing in these Legal Terms shall be construed as granting, assigning, or transferring to you any ownership rights, title or interest in or to our Intellectual Property Rights, Content or Marks, except for the limited licence expressly granted to you under Clause 3 (Your Licence to Use the Services).

2.5 Any breach of this Clause 2 will constitute a material breach of our Legal Terms and your licence to use our Services will terminate immediately without notice.

3. Your Licence to Use the Services

3.1 Subject to your compliance with these Legal Terms and the payment of all Fees due to the Company by the relevant payment date, we grant you a non-exclusive, non-transferable, revocable licence to:

3.1.1 access and use the Services for your personal use (if you are a Direct User) or internal business use (if you are a Professional Customer);

3.1.2 download or print a copy of any portion of the Content or Client Data you have permission to access, solely for your own records or for use by authorised Trusted Users;

3.1.3 permit Trusted Users (for Direct Users) or Affiliated Users (for Professional Customers), as authorised by you through the Application, to access and use those parts of the Services and Client Data which you have expressly made available to them, provided that such use remains subject to these Legal Terms and the applicable permission rights.

3.2 This licence is granted solely for the purpose of enabling you to use the Services as intended, and in accordance with these Legal Terms.

3.3 Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written consent.

3.4 If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: [email protected]. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.

4. Confidentiality

4.1 Each party to this Agreement agrees to keep confidential all Confidential Information disclosed by the other party in connection with these Legal Terms and not to disclose such Confidential Information to any third party, except as permitted under these Legal Terms.

4.2 The obligations in this clause do not apply to information that:

4.2.1  was already lawfully in the receiving party’s possession before disclosure;

4.2.2  is or becomes publicly available through no fault of the receiving party;

4.2.3 is independently developed without use of or reference to the Confidential Information; or

4.2.4 is required to be disclosed by law, court order, or regulatory authority.

4.3 These confidentiality obligations continue for a period of 2 years after termination of this Agreement.

5. Your Feedback

5.1 Within the Application, you may choose to provide feedback, suggestions, or ideas about the Services by using the “Share your feedback” feature available in your Dashboard (“Feedback”).

5.2 By submitting Feedback, you grant us a non-exclusive, worldwide, royalty-free, irrevocable licence to use, reproduce, modify, and incorporate your Feedback into our Services and related materials. We may use this Feedback for any lawful purpose, including to improve our Services, without further notice or compensation to you.

5.3 You confirm that:

5.3.1 the Feedback is not confidential or proprietary to you or any third party;

5.3.2 you have the right to provide the Feedback and to grant us the rights set out above; and

5.3.3 the Feedback does not contain any personal data or Client Data that you expect to remain private or secure.

5.4 This clause does not apply to any Client Data that you upload to the Application for your own use or for sharing with Trusted Users. Client Data remains your property and is handled in accordance with our Privacy Policy, the Data Processing Agreement and the relevant terms of these Legal Terms.

6. User Representations and Warranties

6.1 By using the Services, you represent and warrant that:

6.1.1 all registration information you submit will be true, accurate, current, and complete, and you will keep it up to date;

6.1.2 you have the legal capacity and authority to enter into these Legal Terms and to perform your obligations under them;

6.1.3 you are at least 18 years of age and meet any other eligibility requirements under applicable law;

6.1.4 if you are entering into these Legal Terms on behalf of an organisation (such as your employer, client or company), you have full authority to bind that organisation to these Legal Terms;

6.1.5 if you are accessing the Services as a Trusted User or Affiliated User, you will comply with all applicable obligations relating to security, confidentiality, acceptable use, and privacy as described in these Legal Terms;

6.1.6 you will not access the Services through automated or non-human means, whether through a bot, script or otherwise;

6.1.7 you will not use the Services for any illegal, fraudulent or unauthorised purpose; and

6.1.8 your use of the Services will not breach any applicable law or regulation.

6.2 If you provide any information that is untrue, inaccurate, not current, or incomplete, and fail to correct it after we have asked you to do so, we have the right to suspend or restrict your access to the Services until the issue is resolved.

6.3 We will take reasonable steps to notify you in advance, unless immediate action is required to protect the security of the Services or comply with legal obligations.

7. User Registration

7.1 To access the Services, you must register for an account and provide accurate, complete, and up-to-date information. You are responsible for all activity under your account.

7.2 You agree to:

7.2.1 keep your login credentials secure and confidential;

7.2.2 not share your password with anyone;

7.2.3 notify us immediately at [email protected] if you suspect any unauthorised access to your account.

7.3 We reserve the right to suspend or terminate your account, or to require you to change your username, if we reasonably believe that:

7.3.1 your account has been compromised;

7.3.2 your username is misleading, inappropriate, or infringes the rights of others; and/or

7.3.3. you are in breach of these Legal Terms.

7.4 For more details on account security and access by additional users, please refer to Clause 8 (Security and Personal Data Processing).

8. Security and Personal Data Processing

Data security and confidentiality

8.1 We take the confidentiality and security of your personal data seriously. We implement appropriate technical and organisational measures to protect your information, including encryption, access controls, and secure infrastructure. We also perform daily backups of Client Data to help safeguard against accidental loss.

8.2 Client Data is accessible only by you (the Client), any authorised Trusted Users or Affiliated Users, and in very limited cases, Lyfeguard personnel solely to the extent necessary to provide support or maintain your account (for example, to view your email address or billing information). Lyfeguard personnel cannot access the content of your Client Data.

Personal data processing

8.3 Lyfeguard Limited processes personal data in accordance with applicable data protection legislation and our Privacy Policy. Please ensure that you have read and understood our Privacy Policy before using the Services. By using the Services, you acknowledge that your personal data will be processed as described in our Privacy Policy.

Account security

8.4 User IDs and passwords are personal and must not be shared with others. You are responsible for keeping your credentials secure. If you suspect that your account or password has been compromised or misused, you must notify us immediately at [email protected]. We may, for security purposes, require you to update your password at any time.

Access for multiple users (Trusted Users and Affiliated Users)

8.5 If you are a Direct User, you may choose to share access to parts of your Account with Trusted Users. If you are a Professional Customer, you may invite Affiliated Users under your account. The Client is responsible for:

8.5.1 determining the access rights of any Trusted Users and/or Affiliated Users via the Application;

8.5.2 ensuring that any Trusted Users and/or Affiliated Users with access follow these Legal Terms;

8.5.3 ensuring that Trusted Users and/or Affiliated Users maintain the confidentiality of their login credentials.

Your role as data controller

8.6 Where you (or other users authorised by you) upload personal data to the Services (for example, through the LyfeHubs), you are the data controller of that personal data, and Lyfeguard acts as a data processor on your behalf. Our responsibilities as a processor are governed by our Data Processing Agreement, which forms part of these Legal Terms.

8.7 You are responsible for ensuring that:

8.7.1 you have the necessary rights and consents to upload personal data;

8.7.2 you comply with applicable data protection laws in respect of any personal data you store or share through the Services.

Review of content

8.8 Lyfeguard does not monitor, verify, or assume responsibility for Client Data. It is your responsibility to ensure that all information you store or share via the Application is lawful and accurate and that you have the right to store such information or share such information with Affiliated Users for Professional Customers, or Trusted Users for Direct Users.

9. Subscription & Payment

9.1 We offer both free and paid subscription plans for access to the Services:

9.1.1 Free plan – Lyfeguard Basic

You may access the Services on a free-of-charge basis through our Lyfeguard Basic plan. This plan provides limited access to selected features. Although no payment is required, your use of the Services under the Basic plan is subject to these Legal Terms.

9.1.2 Paid plan – Lyfeguard Pro

The Lyfeguard Pro plan offers full access to all LyfeHubs and additional features. You may choose to subscribe on a monthly or annual basis. Subscription prices are clearly stated on our Site and are payable in advance.

Billing, renewal and cancellation

9.2 By subscribing to Lyfeguard Pro, you authorise us to charge your chosen payment method on a recurring basis (monthly or annually, depending on your selected plan) until you cancel. Your subscription will automatically renew at the end of each billing period unless cancelled. You can cancel at any time via your account settings. Cancellation will take effect at the end of the current paid term. All Fees are non-refundable.

Payment methods

9.3 We accept the following forms of payment:

• Visa
• Mastercard
• American Express
• PayPal
• Discover

9.4 You are responsible for keeping your payment, contact details, and method of paying Fees up to date.

Changes to pricing

9.5 We may update our subscription pricing from time to time, but we will not change our prices more than once in any 12-month period. If we do, we will give you at least 30 days' notice before the new pricing takes effect, unless a shorter period is required for regulatory or legal purposes. If you do not agree to the updated pricing, you may cancel your subscription before the changes take effect.

9.6 If you do not cancel your subscription within that period, your continued use of the Services after the new pricing becomes effective will constitute your agreement to the revised Fees.

10. Prohibited Activities

10.1 You may only use the Services for the purposes expressly permitted under these Legal Terms. Unless otherwise authorised by us in writing, you must not use the Services for any external commercial exploitation, resale, sublicensing or revenue-generating purpose beyond your own internal business use (if you are a Professional Customer) or personal use (if you are a Direct User). In particular, you agree that you will not:

10.1.1 collect data or other content from the Services to create a collection, database or directory, unless we’ve given you written permission;

10.1.2 trick, mislead or defraud us or other users – especially if you're trying to get access to sensitive information like passwords;

10.1.3 interfere with or try to get around any of the security features on the Services, including features that stop users copying content or using it inappropriately;

10.1.4 use information from the Services to harass, abuse or harm someone;

10.1.5 misuse our support services or submit false reports of abuse or misconduct;

10.1.6 use the Services in a way that breaks the law or breaches any regulation;

10.1.7 upload or try to upload viruses, malware or anything else that might damage the Services or other users’ ability to access and use them;

10.1.8 use scripts, bots or other automated tools to interact with the Services (for example, to send messages or extract data);

10.1.9 copy or adapt any part of the Services;

10.1.10 attempt to reverse engineer, decompile, or disassemble any of the Services, unless the law allows you to do so; or

10.1.11 sell or otherwise transfer your account.

11. Services Management 

11.1 We may monitor use of the Services to ensure compliance with these Legal Terms and to protect the integrity and security of our systems.  We reserve the right to:

11.1.1 monitor the Services for breaches of these Legal Terms or misuse of the services;

11.1.2 take appropriate action against anyone who, we reasonably believe in our sole discretion, breaches the law or these Legal Terms, including without limitation, reporting such behaviour to the relevant authorities if required;

11.1.3 in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) access to the Services in the event of serious misuse, technical harm or where continued access poses a risk to the Services;

11.1.4 remove or limit the storage of files that are unusually large or otherwise disrupt the operation of the Services; and

11.1.5 otherwise manage the Services in a manner designed to protect our rights, the Application and to facilitate the proper functioning of the Services.

12. Data Retention and Deletion

12.1 We perform daily backups of Client Data to help safeguard against accidental loss. However, you remain responsible for maintaining copies of your Client Data and we recommend that you regularly back up any important documents or information stored in the Services.

12.2 If you choose to terminate your subscription or delete your account, you should ensure that you have downloaded or exported all Client Data you wish to retain before deletion.

12.3 Once your account has been deleted, all Client Data associated with your account will be permanently and irreversibly deleted from our systems and cannot be recovered, except where we are required to retain certain information for legal or compliance purposes.

13. Term & Termination

13.1 These Legal Terms shall commence on the Effective Date and shall remain in full force and effect while you continue to access or use the Services.

13.2 Termination by the Client

You may terminate your subscription and stop using the Services at any time via your account settings or by contacting us at [email protected].

13.3 Termination by Lyfeguard

We may suspend or terminate your access to the Services, or close your account, where:

13.3.1 you commit a material breach of these Legal Terms and (if remediable) fail to correct it within 30 days of receiving written notice from us;

13.3.2 the Fees remain unpaid after repeated reminders;

13.3.3 we are required to do so by law or regulatory authority; or

13.3.4 continuing to provide you access would pose a serious risk to the security or integrity of the Services,

in such cases, we will provide reasonable advance notice where practicable and inform you of the reason for the termination.

Effect of Termination

13.4 If your subscription is terminated:

13.4.1 your access to the Services will end;

13.4.2 you will remain liable for any Fees accrued up to the date of termination;

13.4.3 your right to use the Services and any associated licences granted under these Legal Terms will cease; and

13.4.4 following deletion of your account, all Client Data will be permanently deleted from the Application, except to the extent that we are required to retain certain information for regulatory, legal or compliance purposes (for example, billing records or identification details).

13.5 If you no longer have access to your account but would like to retrieve or delete any Client Data before closure, please contact us. We will take reasonable steps to comply with your request if technically possible unless we are legally restricted from doing so.

13.6 Upon termination or deletion of your account, any Trusted Users or Affiliated Users you have authorised will also lose access to the relevant Client Data and the Services.

13.7 If your account is terminated by us for a material breach, you are not permitted to register a new account without our prior written consent.

14 Changes, Interruptions and Corrections to the Services

14.1 We may occasionally update, enhance, or perform maintenance on the Services to improve functionality or ensure continued compliance with legal and technical requirements. While we aim to ensure the Services are available at all times, we cannot guarantee uninterrupted or error-free access.

14.2 From time to time, we may need to suspend access to the Services temporarily, for example, for scheduled maintenance or technical upgrades. Where possible, we will provide advance notice of such interruptions.

14.3 We will not be liable to you for any temporary unavailability, modification, or suspension of the Services, provided such actions are taken reasonably and with due care. We are not obliged to provide specific software updates, new features, or enhancements unless included as part of your current subscription.

14.4 Nothing in this clause affects your right to access or retrieve your Client Data where you have a current subscription or as otherwise agreed under these Legal Terms.

14.5 There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

15. Disclaimer

15.1 We provide the Services using reasonable skill and care. However, the Services are provided on an “as is” and “as available” basis.

15.2 We do not guarantee that:

15.2.1 your use of the Services will be uninterrupted or error-free; or

15.2.2 the Services will be free from vulnerabilities, viruses, or other harmful components.

15.3 That said, we take appropriate technical and organisational steps to protect your information and are committed to keeping your data secure.

15.4 Nothing in this clause limits any statutory rights you may have, including your right to expect the Services to be of satisfactory quality, fit for purpose and provided with reasonable care and skill.

16. Limitations of Liability

16.1 You agree that the Services have not been developed to meet your particular requirements, including any legal or regulatory requirements you may have. You must ensure that the Services meet your requirements.

16.2 We do not exclude or limit any liability for (i) death or personal injury arising from our negligence; (ii) fraud or fraudulent misrepresentation; or (iii) any other liability to the extent it cannot be excluded or limited by law.

The following Clauses (16.3-16.4) only apply if you are a Professional Customer:

16.3 We shall not be liable to you, under or in connection with these Legal Terms or the provision of the Services, for:

16.3.1 business interruption;

16.3.2 loss of anticipated savings;

16.3.3 loss of business opportunity, goodwill, or reputation;

16.3.4 loss or corruption of data or information;

16.3.5 loss of revenue or profit;

16.3.6 indirect or consequential loss or damage; or

16.3.7 unforeseeable losses arising out of unusual or special circumstances.

16.4 Subject to Clause 16.9, we shall have no liability for any damage caused by errors or omissions in information or instructions provided by you or an Affiliated User, or any Client Data you store or upload to the Services.

The following Clauses (16.5-16.8) only apply if you are a Direct User (consumer):

16.5 If we fail to comply with these Legal Terms or are negligent, we are liable to you for foreseeable loss or damage that you suffer as a result. By ‘foreseeable’ we mean that, at the time the contract was made, it was either clear that such loss or damage would occur, or you and we both knew that it might reasonably occur, as a result of something we did (or failed to do).

16.6 We are not liable to you for any loss if the Services are unavailable or delayed due to your failure to comply with these Legal Terms.

16.7 The Services are intended for personal use only. If you use the Services for any commercial, business, or resale purpose, we will have no liability to you for any loss of profit, loss of business, business interruption, loss of business opportunity or other business-related losses.

16.8 Nothing in this Clause 16 affects your statutory rights as a consumer. For more information on your rights, please visit www.citizensadvice.org.uk/consumer  or call 0808 223 1133.

16.9 Subject to the exclusions above and to the extent permitted by law, our total aggregate liability to you under these Legal Terms shall be limited to the greater of:

(a) the total Fees paid by you to us in the 12 months preceding the event giving rise to the claim; or

(b) £1,000.

17. Indemnification

17.1 You agree to indemnify and hold harmless the Company, its subsidiaries, affiliates, and all respective officers, agents, partners, and employees, from and against any and all costs, expenses, liabilities, losses, damages, and judgments, including reasonable legal fees and expenses, incurred or suffered as a result of any of the following:

17.1.1 your misuse of the Application, ASP Infrastructure or any other element of the Services;

17.1.2 your breach of this Agreement; or

17.1.3 your negligence or other act of default.

18. Force Majeure

18.1 Neither Lyfeguard nor you shall be liable for any delay or failure to perform any obligation under these Legal Terms if that delay or failure is caused by a Force Majeure event, provided the affected party notifies the other and takes reasonable steps to minimise the impact of the event.

18.2 For the purposes of this Clause 18, a “Force Majeure” event means any event beyond a party’s reasonable control, including but not limited to: power failure, internet service provider failure, industrial action, civil unrest, theft, fire, flood, storms, earthquakes, acts of terrorism, war, governmental action, or other similar events beyond the affected party’s control.

18.3 If a Force Majeure event occurs, the affected party shall:

18.3.1 promptly notify the other party of the nature and expected duration of the event;

18.3.2 take reasonable steps to minimise the effects of the event on its performance under these Legal Terms; and

18.3.3 resume performance as soon as reasonably possible once the event has ended.

19. Electronic Communications & Digital Records

19.1 By using the Services, you agree to receive communications from us electronically (e.g. via email or through the Application), and you acknowledge that electronic communications satisfy any legal requirements for written notices.

19.2 You also consent to the use of electronic records and signatures in your interactions with us, including for agreements, orders, and other communications. This means you do not require paper copies or wet-ink signatures, unless otherwise required by law.

20. Notices

Any notice given under or in connection with these Legal Terms shall be in writing and shall be sent by email to the most recent email address provided by the receiving party. Notices are deemed received at the time of transmission. This clause does not apply to the service of legal proceedings or other documents in connection with legal action, arbitration, or dispute resolution.

21. Relationships of Parties

Nothing in these Legal Terms shall be construed as creating a partnership, joint venture, agency, or employment relationship between the parties. Neither party has authority to bind the other or act on its behalf unless expressly stated in these Legal Terms.

22. Assignment

22.1 You may not assign, transfer, sub-contract, or otherwise dispose of your rights or obligations under these Legal Terms without our prior written consent, which shall not be unreasonably withheld.

22.2 We may assign or transfer our rights or obligations under these Legal Terms to a third party. If we do, we will notify you and ensure that the assignment does not adversely affect your rights or entitlements under the agreement.

23. Severance

23.1 If any provision of these Legal Terms is found to be unlawful, invalid or unenforceable, that provision shall be deemed severed, and the remainder of the Legal Terms shall remain in full force and effect.

24. Entire Agreement

24.1 These Legal Terms constitute the entire agreement between you and us regarding your use of the Services and supersede all prior agreements, understandings or representations, whether oral or written.

24.2 No variation of these Legal Terms shall be effective unless it is in writing and signed by both parties, except where a unilateral update is permitted under the terms.

25. No Waiver

25.1 No failure or delay by either party in exercising any right or remedy under these Legal Terms shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict any further exercise of that or any other right or remedy.

26. Third Party Rights

26.1 These Legal Terms do not give rise to any rights under the Contract (Rights of Third Parties) Act 1999 to enforce any term of this Agreement.

27. Governing Law

27.1 This Agreement shall be governed by the laws of England and Wales. Any dispute between the Parties relating to this Agreement shall fall within the exclusive jurisdiction of the courts of England and Wales.

28. Contact Details

28.1 If you have any questions or concerns regarding these Legal Terms, or would like to get in touch with us for any reason, you can contact Lyfeguard by:

E-mail: [email protected]; or

Post: Lyfeguard Limited, 128 City Road, London, United Kingdom, EC1V 2NX

Previous version of the terms

• Up until 17 June 2025: Read 

The version of these Legal Terms published on 18 June 2025 replaces all earlier versions.