1. Agreement
By accessing or using Constellation, you agree to these Terms of Service. If you do not agree, please do not use the platform. These terms constitute a binding agreement between you and Brick Advisory Group LLC.
2. Description of Service
What Constellation Provides
- Digital account inventory and organization
- Encrypted document and credential vault
- Trusted contact management with identity verification
- Configurable activation protocols and emergency access workflows
- Executor command center and guided task checklists
- Readiness scoring and mission-step planning
- Optional financial account discovery (via Plaid)
- Optional identity exposure and dark web monitoring
What Constellation Does Not Provide
Constellation is a technology platform, not a professional services firm.
- We do not provide legal advice or legal representation
- We do not provide financial or investment advice
- We do not act as a fiduciary
- We are not a substitute for a legally binding will, trust, or power of attorney
- We do not make decisions on your behalf
Constellation acts based only on your configured instructions.
3. Account Responsibilities
You agree to:
- Provide accurate and current information
- Keep your login credentials confidential
- Keep your trusted contacts and emergency settings up to date
- Use the platform only for lawful purposes
- Not attempt to bypass, compromise, or reverse-engineer security controls
You are solely responsible for all activity under your account. If you believe your account has been compromised, contact us immediately.
4. Emergency & Executor Access
This is the most important section. Please read it carefully.
You Are in Control
You define every aspect of your activation protocol:
- Who can initiate activation
- How many confirmations are required
- How long the waiting period lasts
- Whether supporting documents (e.g., death certificate) are required
- What level of access each person receives
- Whether you can veto during the grace period
You remain in full control of your data and access rules.
Our Role
Constellation executes workflows based solely on your configuration. We do not:
- Override or modify your instructions
- Make judgment calls about whether activation should proceed
- Validate the correctness of your setup
- Verify recipient identities beyond the methods you configure
- Guarantee that access reaches the intended individual
We do not make decisions on your behalf.
Delivery Reliability
We work to ensure reliable delivery of access, messages, and notifications. However, delivery may be affected by factors outside our control:
- Incorrect or outdated contact information
- Email spam filters or SMS delivery failures
- System outages or maintenance windows
- Third-party service interruptions
We strongly recommend reviewing your contacts and settings periodically to reduce these risks.
5. Subscription & Billing
- Plans are available monthly or annually, billed in advance
- Annual plans include discounted pricing
- You may cancel at any time — access continues until the end of your billing period
- No refunds for partial billing periods unless required by applicable law
- Payments are processed securely through Stripe — we never see or store your card number
6. SMS Terms
- By providing your phone number, you consent to receive transactional SMS messages
- Message frequency varies based on your account activity
- Standard message and data rates may apply
- You may opt out at any time by replying STOP
We do not send marketing or promotional SMS messages.
7. Financial Integrations
If you connect third-party financial services (e.g., via Plaid):
- You authorize retrieval of limited account metadata only (names, types, institutions)
- We do not access, control, or move any funds
- Data accuracy depends on the third-party provider
- We are not responsible for outages, inaccuracies, or delays from third-party services
8. User Content & Responsibility
You retain full ownership of all content you upload to Constellation.
You agree not to upload content that:
- Is illegal or unlawful
- Infringes on intellectual property rights
- Violates privacy or confidentiality obligations
- Contains malicious software or harmful material
You are solely responsible for all content stored and shared through the platform.
9. Intellectual Property
All platform software, branding, design, and intellectual property are owned exclusively by Brick Advisory Group LLC. You may not copy, modify, distribute, or reverse engineer any portion of the platform without written permission.
10. Data Storage, Retention & Loss
- Your data is stored using enterprise-grade cloud infrastructure
- We do not guarantee indefinite data retention
- Data may be deleted upon account termination, subject to backup retention periods
- We are not liable for data loss due to system failures, third-party outages, user actions, or force majeure events
11. Security Limitations
We implement industry-standard security measures including encryption, access controls, and monitoring. However, no system is completely immune to all threats.
You acknowledge that:
- Despite our best efforts, unauthorized access attempts may occur
- Security breaches, while unlikely, are possible
- We cannot guarantee absolute protection of all data at all times
12. Access by Trusted Contacts
You are responsible for selecting your trusted contacts and configuring their access levels.
We are not liable for:
- Misuse of access by recipients after content is delivered
- Disputes among family members, executors, or other contacts
- Unauthorized redistribution of accessed materials by recipients
- Consequences of incorrect or outdated contact information
13. Limitation of Liability
Service Provided “As Is”
Constellation is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Limitation of Damages
To the maximum extent permitted by law, we are not liable for:
- Lost data or failed deliveries
- Executor disputes or family conflicts
- Misuse of content by recipients
- Indirect, incidental, or consequential damages
- Financial or business losses arising from use of the platform
Maximum Liability
Our total aggregate liability is limited to the amount you paid us in the 12 months preceding the event giving rise to the claim.
14. Indemnification
You agree to indemnify and hold harmless Brick Advisory Group LLC and its officers, directors, employees, and affiliates from any claims, damages, or expenses arising from:
- Your misuse of the platform
- Violation of these terms
- Improper configuration of access rules or contact information
- Unlawful, unauthorized, or infringing content you upload
15. Termination
By Us
We may suspend or terminate your account for:
- Misuse of the platform
- Fraud or illegal activity
- Non-payment
- Violation of these terms
By You
You may close your account at any time through your account settings or by contacting support.
16. Governing Law
These Terms are governed by the laws of the State of New Jersey, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in New Jersey.