Effective August 15, 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.
During the current beta period, fidubond grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Service free of charge for your own fiduciary record-keeping purposes.
We may introduce optional paid plans (for example, annual licenses per ward, principal, trust, or donor) in the future. If and when paid plans are introduced, the license scope and per-unit terms will be described on the product's pricing page, and the paid terms in Section 6 will apply to purchases made after that date.
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 Service is currently offered free of charge during the beta period. No payment method is collected, and no billing occurs.
If paid plans are introduced, payments will be processed by Creem.com Market Limited as the Merchant of Record. Creem will be the legal seller of the paid Service; fidubond will be the supplier. Creem will handle payment collection, sales tax/VAT/GST calculation and remittance, refunds, and chargeback disputes on our behalf. The sections below in this document apply only once paid plans are live.
For any subscription plan offered in the future, your subscription renews automatically each month on the same calendar day as your original purchase until you cancel. You can cancel at any time from your account settings or by contacting Creem support; cancellation takes effect at the end of the current billing period.
We may change prices with at least 30 days' notice. Existing subscribers keep the current price for the remainder of the current billing cycle; the new price applies from the next renewal.
Because the Service is currently free, there is nothing to refund during the beta period. If paid plans are introduced, a 14-day money-back guarantee will apply to all first-time purchases (both one-time and the first subscription month). 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.
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 liability for any claim arising from these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim (which, during the free beta, is zero).
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 (once paid plans are live), contact [email protected].