Effective August 25, 2026 · updated September 24, 2026 · applies to all fidubond products
By accessing or using any fidubond product (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.
These Terms apply to all products operated by fidubond (fidubond.com), including:
You must be at least 18 years old and legally able to enter into contracts. If you use the Service on behalf of an organization, or as a fiduciary (guardian, attorney-in-fact, trustee, or LPA attorney) for another person, you represent that you have the legal authority to act in that capacity and to bind that person or organization to these Terms to the extent applicable.
fidubond grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own fiduciary record-keeping purposes. Recording is free. Paid features (PDF export, compliance reports) require a paid plan pursuant to the plan you purchase (per ward, principal, trust, or donor, as described on each product's pricing page). Paid plans are either a one-time annual license or an auto-renewing subscription, as shown at checkout.
Each license is for a single fiduciary relationship (one ward, one principal, one trust, or one donor). You must purchase a separate license for each additional relationship.
For complex situations — court disputes, IRS audits, multi-state tax questions, eligibility determinations for SSI/Medicaid — consult a qualified attorney, CPA, or benefits counsellor licensed in your jurisdiction.
The compliance checking, pre-check, and authority matrix features provide general educational information based on public SSA POMS and UPOAA references. They do not constitute legal compliance determinations. The actual legal effect depends on your specific document, state law, and individual circumstances. You must independently verify all legal determinations with a qualified attorney.
Generated documents: Documents produced by the Service (court reports, LPA draft forms, POA summary letters, annual accounts, distribution records) are structured reference documents generated from your input data. They are not official court forms, not OPG forms, and not government-issued documents. You are solely responsible for verifying their accuracy, completeness, and suitability before submitting them to any court, agency, or institution.
Recording transactions, decisions, and timeline events is free of charge. No payment method is collected for basic recording. Premium features (PDF export, compliance dashboards, pre-check) require a paid plan — a one-time annual license or an auto-renewing subscription, as described on each product's pricing page.
All payments are processed by Creem.com Market Limited as the Merchant of Record. Creem is the legal seller of the paid Service; fidubond is the supplier. Creem handles payment collection, sales tax/VAT/GST calculation and remittance, invoicing, and chargeback disputes on our behalf.
Each product offers the paid plans shown on its pricing page, in two forms. One-time annual licenses are valid for 365 days from the date of purchase and never auto-renew — when one expires you may purchase a new annual license to continue using premium features. Auto-renewing subscriptions, offered on some products (for example the POA Annual Subscription, the UK LPA Annual Subscription, and Guardian Pro seats for firms), renew automatically at the interval shown at checkout until cancelled.
You can cancel a subscription at any time from the customer billing portal linked in your receipt email, or by contacting [email protected]. Cancellation stops future renewals; your access continues until the end of the period you have already paid for. Recording always remains free.
We may change prices at any time. Price changes apply only to future purchases and renewals; a one-time license you have already purchased remains valid for its full 365-day term at the price you paid, and the price of the subscription period you have already paid for is unaffected.
All purchases are final and non-refundable. You have the opportunity to evaluate the Service during a 14-day free trial before purchasing. Once you complete a purchase, no refund is available — whether in full or in part. One-time licenses never auto-renew. Subscriptions renew automatically until cancelled and can be cancelled at any time via the billing portal; cancellation stops future renewals but does not entitle you to a refund of the current billing period. See our Refund Policy for full details.
All sales are final and non-refundable. You have the opportunity to evaluate the Service during a 14-day free trial before purchasing. Once you complete a purchase, no refund is available — whether in full or in part. One-time licenses never auto-renew. Subscriptions renew automatically until cancelled and can be cancelled at any time via the billing portal; cancellation stops future renewals but does not entitle you to a refund of the current billing period. See our Refund Policy for full details.
All product data (your transactions, decisions, contacts, and generated records) is stored locally in your browser using IndexedDB and OPFS storage. We do not upload, store, or have access to your product data. See our Privacy Policy for full details.
You may not:
The Service, including all software, templates, document formats, and rule databases, is the intellectual property of fidubond. Documents you generate using the Service belong to you; the underlying templates and rule logic remain our property.
The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be error-free, that compliance rules are current, or that generated documents will be accepted by every court, agency, or IRS office.
The compliance rule libraries, POMS references, authority matrices, benefit figures, and fee schedules are maintained on a best-effort basis and are reviewed against official sources (SSA POMS / SSA Emergency Messages / IRS / gov.uk) on a quarterly schedule. Each rule library displays a version number and last-verified date within the product. Fidubond does not warrant that the rule library reflects regulatory changes in real time; a change may take effect before the next scheduled review. You must verify current rules against official sources before relying on them.
Each product supports a defined set of jurisdictions, and coverage depth varies. UK-LPA provides full support for England & Wales only: Scotland is supported for general record-keeping only (and does not replace the Office of the Public Guardian (Scotland) accounting requirements under the Adults with Incapacity (Scotland) Act 2000), and Northern Ireland is not supported for LPA form generation (Northern Ireland uses Enduring Powers of Attorney under the EPA (NI) Order 1987). U.S. products provide state-specific templates for a subset of states and a generic fallback elsewhere. You are responsible for confirming that any generated document meets the requirements of your specific jurisdiction.
To the maximum extent permitted by law, fidubond and its suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of the Service. Our total aggregate liability for any and all claims arising from these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim, limited to the license or subscription fees you paid for the specific product through which the claim arose.
You acknowledge that the compliance rules, POMS references, and authority matrices are informational tools that may contain errors or omissions. Fidubond does not warrant that the rule library is current, complete, or applicable to your specific situation.
Exclusion of consequential damages: In no event shall fidubond be liable for loss of SSI or Medicaid benefits, loss of court filings, loss of trust assets, tax penalties, or any other consequential damages arising from reliance on the Service's compliance checks, pre-check results, authority matrix, or generated documents. The Service provides informational references only, not legal compliance determinations.
These Terms are governed by the laws of England and Wales, without regard to conflict-of-law principles. The courts of England shall have exclusive jurisdiction over any disputes arising from these Terms.
We may update these Terms from time to time. We will notify users of material changes by posting a notice on the homepage at least 30 days before the changes take effect.
If you have questions about these Terms, contact us at [email protected]. For billing questions, contact [email protected].
Any dispute arising from these Terms or the Service shall first be submitted to mediation. If mediation fails within 30 days, the dispute shall be resolved by arbitration in London, England, under the Arbitration Act 1996. Each party bears its own costs unless the arbitrator determines otherwise. This clause does not affect your statutory rights as a consumer under applicable UK law.
You and fidubond agree that any dispute shall be brought individually and not as a class action, collective action, or representative proceeding. You and fidubond expressly waive the right to participate in a class action, collective action, or representative proceeding. This clause does not affect your statutory rights as a consumer under applicable UK law, including the right to seek redress through alternative dispute resolution schemes approved by the UK Financial Conduct Authority or the Competition and Markets Authority.
If you do not agree to these terms, do not complete the purchase. You may use the recording features of the Service free of charge without obligation.