Last Updated: Sept. 22, 2020
Categories of Information Collected
Information You Provide Us
We collect information you provide to us, such as when you register for an account, fill out information to complete a document, purchase insurance, link an external account to the Services, sign up to receive our email updates, fill out a form, complete a survey, receive customer service or when you otherwise communicate with us. This information includes, but is not limited to:
Your own personal data such as your name, mobile phone number, email address, photograph, zip code, username, password, and government-issued identification numbers and other information you provide to us about your health or life status, such as health conditions or treatments, whether you are tobacco user, whether you have ever been pregnant and other similar information.
Financial data such as information about your assets and debts including bank account information, credit card information, outstanding mortgage balance and other financial information, information about and photographs of property or valuables you wish to bequeath through your will or your trust.
Contact information about any person or entity you add to the Services in connection with your estate planning documents or financial transactions (each, a “Contact”), including their name, date of birth, state of residency, United States residency status, designated role (e.g. beneficiary, trustee, attorney-in-fact, etc.), relationship to you, photograph, email address, and phone number.
Any feedback or suggestions you provide to us about our Services.
Any other information you provide to us or authorize us to access or collect from a third party.
Information We Collect Automatically from our Services
When you use our Services, we collect information about you as follows:
Transaction Information. We collect transaction details related to your use of our Services, including the type of documents prepared, type of insurance purchased, amount of your policy, other products or services purchased, and other related transaction details.
Device Information: We collect information about the computer or mobile device you use to access our Services, including the hardware model, operating system and version, browser version, unique device identifiers, and mobile network information.
Location Information: With your permission, we collect precise location from your mobile device in connection with your use of our mobile app.
Information Collected by Tracking Technologies: We may use various technologies to collect information in connection with your use of our Services. The technologies we use include the following:
Mobile device identifiers, which are used in mobile applications and perform functions similar to cookies and pixel tags; and
Cookies, which are small files that are sent to your computer or mobile device when you visit a website. Cookies allow our Services to recognize your browser or device and track your usage each time you visit. You can usually decline or remove cookies through your browser or device, but doing so may interfere with your use of Services; and
Local storage, which stores data locally in your browser, including user preferences; and
Pixel tags, which are small blocks of code often used in connection with cookies. Pixel tags (or web beacons) may be placed on our websites and emails, and allow us to track website usage, including to determine when emails have been opened and acted upon.
Information From Other Sources
We collect information from other companies and associate that with the information we collect about you. For example, in connection with your creation of an account, we may collect information about you from identity verification services. Furthermore, if you link any of your third party accounts e.g. your social media accounts or financial accounts to the Services, we may collect information from the providers of those accounts, including your contact list, social media profile information, social media feed information, interest rates, account balances, and transaction history. If you add any information about real estate you own to the Services, we will automatically look up and provide you the value of your real estate as reflected by certain third party real estate valuation services.
Transfer of Information to the U.S. and Other Countries
Tomorrow is based in the United States and the information we collect is governed by U.S. law. By accessing or using our Services or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries, where you may not have the same rights as you do under local law.
Our use of Personal Information
As part of our Services, we use your personal information to provide you with personalized offerings for products and services that we believe you may be interested in. For example, we may use information you provide to us about your financial situation to recommend third party products and services that may help you consolidate debt, purchase a house, save for retirement, or achieve other financial goals by delivering you targeted content and promotional offers through the Services or by email. Additionally, we may use the information we collect to:
Provide, maintain, and improve the Services;
Assist you in purchasing financial products including insurance policies;
Assist you in preparing, completing and executing your estate planning documents;
Assist your executor and trustee in carrying out your wishes as specified in your will and trust, upon your death;
Assist you with your personal financial planning;
Resolve disputes, troubleshoot problems, and provide customer service;
Prevent and investigate violations of our terms and conditions and protect the rights and property of Tomorrow and others;
Measure, analyze and monitor trends, activities, and usage of the Services;
Verify your identity; and
Carry out any other purpose described to you at the time the information was collected.
Sharing of Personal Information
We may also disclose any information we collect with affiliated and non-affiliated third parties as follows:
(1) With service providers that perform services on our behalf, including identity verification services, fraud prevention services, and email marketing services;
(2) To the extent required to complete your purchases of services or products through the Services (e.g. life insurance policies), we may share the personal information you provide to us with our third party partners that provide these services and products;
(3) To comply with a legal request or to protect our rights, including:
To comply with an applicable law or regulation, or in response to a request for information if we believe disclosure is in accordance with any applicable law, regulation, or legal process;
To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability;
To protect the rights, property, and safety of Tomorrow or others;
(4) In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of Tomorrow’s assets to another company; and
(5) With your consent, including if we notify you that the information you provide will be shared in a particular manner and you provide such information.
We may also share aggregated or de-identified information, which cannot reasonably be used to identify you.
Social Sharing Features
The Services may offer social sharing features and other integrated tools (such as the Facebook “Like” button), which let you share actions you take on our Services with other media, and vice versa. Your use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features.
Advertising and Analytics Services Provided by Others
You may access and update your account profile information by logging into your account via our Services. When you close your account or otherwise cease your relationship with us, we may retain certain information as required by law or for our legitimate business purposes. We may also retain cached or archived copies of information about you for a certain period of time. Upon your death, your account and all personal information associated with your account will be suspended for 30 days, and after that period of time, we will delete your account and all personal information associated with your account, except to the extent we are required to retain this information by law.
You may opt out of receiving promotional communications from Tomorrow by following the instructions in those messages. Please note that if you opt out, we may still send you transactional or relationship messages, such as those about your account or our ongoing business relations.
If you initially consent to the collection of precise location information by Tomorrow via our mobile app, you should be able to subsequently stop this collection through your device operating system settings or by removing our mobile app from your device. You understand and agree that disabling location information may limit the Services available to you.
Cookies and Local Storage
Most web browsers are set to accept cookies and local storage by default. If you prefer, you can usually choose to set your browser to remove browser cookies or clear local storage. Please note that if you choose to remove or reject these technologies, this could affect the availability and functionality of our Services.
Mobile Push Notifications/Alerts
With your consent, we may send promotional and non-promotional push notifications or alerts to your mobile device. You should be able to stop receiving these messages by changing the notification settings on your mobile device.
We may also seek permission for the collection and syncing of contact information from your device per the permission system used by your mobile operating system. If you initially permit the collection of this information, iOS users can later disable it by changing the contacts settings on your mobile device.
Last Updated: July 9, 2019
These Terms of Service (“Terms”) apply to your access to and use of the websites, applications and other online products and services (collectively, our “Services”) provided by Tomorrow Ideas, Inc., or any of its subsidiaries and affiliates (collectively, “Tomorrow” or “we”). By clicking to agree to these Terms or by otherwise using the Services, you agree to these Terms. If you do not agree to these Terms, including the mandatory arbitration provision and class action waiver in Section 21, do not access or use our Services.
In addition to these Terms, we may ask you to accept additional terms that apply to specific features, products or services provided by Tomorrow. To the extent any additional terms conflict with these Terms, the additional terms govern with respect to your access to or use of the applicable feature, product or service.
You are permitted to use the Services to (a) create, prepare and execute estate planning documents such as a will, a trust, powers of attorney, and an advance healthcare directive (collectively, “Estate Planning Documents”), (b) list assets in your trust schedule of assets, if you have opted to create a trust, (c) purchase life insurance policies through the Services (“Insurance Policies”), and (d) consolidate and track your financial information in one place to allow you to make investment, insurance, estate planning and other similar decisions.
You will need to register for an account to access some or all of our Services. You agree to provide accurate account information and promptly update this information if it changes. You also agree to maintain the security of your credentials and account and promptly notify us if you discover or suspect that someone has accessed your account without your authorization. Your username and password are personal to you and may not be shared with any third parties. You are responsible for all activities that occur regarding your credentials or otherwise under your account.
If you prepare any Estate Planning Documents using the Services, the following terms and conditions apply:
Tomorrow is a licensed broker of Insurance Policies and we work with certain third party partners, including insurance carriers, underwriters and reinsurers in connection with the Insurance Policies (“Partners”). You authorize us to (a) provide you insurance quotes based on information you provide to us about yourself, which information you expressly authorize us to share with insurance partners, including protected health information and other personally identifiable information in compliance with applicable law (b) submit your application for the Insurance Policies you choose to purchase, (c) process such application, (d) work with and communicate with our Partners to the extent necessary to permit you to purchase such Insurance Policies, (e) pay any insurance premiums for the Insurance Policies obtained through the Services, and (f) receive any compensation that any Partner agrees to pay Tomorrow in connection with the provision of the Services. If applicable, we will only share such compensation with other duly licensed persons. Additionally, you designate us as your agent or broker of record in connection with all Insurance Policies you purchase and authorize us to communicate such designation to our Partners or anyone else who we believe needs such information. Any insurance-related material described on or provided through the Services is provided for informational purposes only and you should refer to the actual insurance policy for complete details of coverage of a particular insurance policy. The Insurance Policies described on the Services may not be available in all states or other jurisdictions and may have restrictions, limitations and terms regarding coverage. A policy’s approval is not guaranteed and is subject to underwriting factors such as your personal health history and the specific underwriting guidelines of the Partner issuing the policy.
Any recommendations we provide to you in connection with Insurance Policies are based on information you provide to us, are provided for your personal information and education only and are not a substitute for professional advice. Further, the amount of insurance coverage you need may differ from what we recommend depending on information we did not request of you. You have the sole obligation to determine what Insurance Policies to purchase and whether to accept these recommendations.
The Services may permit you and Tomorrow to communicate with any person or entity you add to the Services or authorize to have access to your Estate Planning Documents or Insurance Policies (each, a “Contact”). For example, if you designate a Contact as the trustee of your trust, the Services may automatically send that Contact a message notifying them of your designation and asking them whether they choose to accept such role. You may also share your Estate Planning Documents with your Contacts through the Services (e.g. you may share your will with your designated beneficiaries or your attorney). You are solely responsible for any communications and interactions that you make or that you authorize us to make with your Contacts.
The Services may contain links to third party websites and materials and we may make recommendations or send you offers for certain third party services, products and materials that we think may be interesting to you based on information provided by you (e.g. we may recommend insurance policies for you based on your specified preferences). However, these links, recommendations and offers are provided as a convenience and we are not liable for any websites, products, services, materials or information made available by any third party. If you choose to purchase any third party products or services, you are solely responsible for your purchasing decisions and if you choose to visit any third party websites, you may be subject to additional or different terms and conditions and privacy policies.
You may sync third party accounts with the Services in order to permit Tomorrow to retrieve your information that is maintained online by such third parties (“Account Information”). By using the Services, you authorize Tomorrow to access your Account Information, on your behalf as your agent, and you authorize such third parties to disclose your information to us. When you provide Account Information through the Services, you will be directly connected to the website for the third party you have identified. Tomorrow will submit information including usernames and passwords that you provide to log into the Services. You hereby authorize and permit Tomorrow to use information submitted by you to accomplish the foregoing and to configure the Services so that they are compatible with the third party sites for which you submit your information. Solely to provide the Account Information to you as part of the Services, you grant Tomorrow a limited power of attorney, and appoint Tomorrow as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. You acknowledge and agree that when Tomorrow is accessing and retrieving Account Information from third party sites, Tomorrow is acting as your agent, and not as the agent of or on behalf of the third party that operates the third party site. You understand and agree that any third party accounts and sites are not provided by Tomorrow and Tomorrow is not responsible for any Services-related issues arising from or in connection with such third party accounts or your Account Information. You agree to keep your Account Information up to date and accurate.
Our Services and the text, graphics, images, photographs, videos, illustrations, trademarks, trade names, service marks, logos, slogans and other content contained therein (collectively, the “Tomorrow Content”) are owned by or licensed to Tomorrow and are protected under both United States and foreign laws. Except as explicitly stated in these Terms, Tomorrow and our licensors reserve all rights in and to our Services and the Tomorrow Content. You are hereby granted a limited, nonexclusive, nontransferable, non-sublicensable, revocable license to access and use our Services and Tomorrow Content for your own personal use; however, such license is subject to these Terms and your compliance with these Terms, and does not include any right to (a) sell, resell or commercially use or otherwise exploit our Services or Tomorrow Content; (b) copy, reproduce, distribute, publicly perform or publicly display Tomorrow Content, except as expressly permitted by us or our licensors; (c) modify the Tomorrow Content, remove any proprietary rights notices or markings, or otherwise make any derivative uses of our Services or Tomorrow Content; (d) use any data mining, robots or similar data gathering or extraction methods; and (e) use our Services or Tomorrow Content other than for their intended purposes as described in these Terms. Any use of our Services or Tomorrow Content other than as specifically authorized in these Terms, without our prior written permission, is strictly prohibited and will automatically terminate the license granted in these Terms.
Any questions, comments, suggestions, testimonials, ideas, original or creative materials or other information you submit about Tomorrow or our products or Services (collectively, “Feedback”), is non-confidential and will become the sole property of Tomorrow. We will own exclusive rights, including, without limitation, all intellectual property rights, in and to Feedback and will be entitled to the unrestricted use and dissemination of Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
We have a policy of limiting access to our Services and terminating the accounts of users who infringe the intellectual property rights of others. If you believe that anything on our Services infringes any copyright that you own or control, you may notify Tomorrow through the contact information provided below:
Tomorrow Ideas, Inc.
500 Union Street, Suite 435
Seattle, WA 98101
E-Mail Address: firstname.lastname@example.org
Please see 17 U.S.C. §512(c)(3) for the requirements of a proper notification. Also, please note that if you knowingly misrepresent that any activity or material on our Services is infringing, you may be liable to Tomorrow for certain costs and damages.
By creating a Tomorrow account, you consent to receive SMS text messages, emails, and other electronic communications from Tomorrow. These communications may include notices about your account (e.g., password changes and other transactional information), as well as communications provided as part of the Services or for marketing purposes, and are part of your relationship with us. You consent to being provided with any notices, disclosures, information, and other materials in electronic form (collectively “Electronic Records”), rather than in paper form in accordance with The Electronic Signatures in Global and National Commerce Act (“E-Sign“). Your consent to receive Electronic Records applies to all notices, disclosures, documents, records or other materials of any kind that Tomorrow may be required to provide to you. You agree that any notices, agreements, disclosures or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing. You further understand that checking a box, clicking “accept” (or similar word) on our website, or responding via telephone keypress constitutes your signature. You should maintain copies of electronic communications from us by printing a paper copy or saving an electronic copy. You may wish to print out all Electronic Records and keep them for your records. If you have any trouble printing out, downloading, and/or accessing any Electronic Records, you may contact us at (https://support.tomorrow.me/) In order for you to access and retain Electronic Records sent by Tomorrow, you must have the following hardware and software: a computer capable of reading html and text files, a modem or other means of accessing the Internet, and a browser capable of accessing and displaying the Tomorrow website. To print the Electronic Records, you will also need a printer. You may withdraw your consent by contacting us at (https://support.tomorrow.me/). However, the services provided by Tomorrow are only available if you agree to receive Electronic Records, and you understand that withdrawing such consent may result in your account being closed.
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Tomorrow, each of our subsidiaries and affiliates, or our licensors and Partners and each of our respective officers, directors, agents, partners and employees (individually and collectively, the “Tomorrow Parties”) from and against any loss, liability, claim, demand, damages, fines and any related expenses or costs (“Claims“) arising out of or related to (a) your access to or use of our Services; (b) your User Content or Feedback; (c) your violation of these Terms; (d) your violation, misappropriation or infringement of any rights of another (including intellectual property rights or privacy rights); (e) your conduct in connection with our Services; or (f) any violation by you of any federal, state, or local laws, statutes, rules, or regulations. You agree to promptly notify the Tomorrow Parties of any third party Claims, cooperate with the Tomorrow Parties in defending such Claims and pay all fees, costs and expenses associated with defending such Claims (including, but not limited to, attorneys’ fees, costs and expenses). You also agree that the Tomorrow Parties will have control of the defense or settlement of any third party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and Tomorrow or the other Tomorrow Parties.
To the fullest extent permitted by applicable law, you release Tomorrow and the other Tomorrow Parties from responsibility, liability, claims, demands, and/or damages (actual and consequential) of every kind and nature, known and unknown (including, but not limited to, claims of negligence), arising out of or related to disputes between users and the acts or omissions of third parties. You expressly waive any rights you may have under California Civil Code § 1542 as well as any other statute or common law principles that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.
By accessing or using our Services, you consent to the processing, transfer and storage of information about you in and to the United States and other countries, where you may not have the same rights and protections as you do under local law.
Please read the following section carefully because it requires you to arbitrate certain disputes and claims with Tomorrow and limits the manner in which you can seek relief from us.
These Terms and your access to and use of our Services will be governed by and construed and enforced in accordance with the laws of Washington, without regard to conflict of law rules or principles (whether of Washington or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. Any dispute between the parties that is not subject to arbitration or cannot be heard in small claims court will be resolved in the state or federal courts of Washington and the United States, respectively, sitting in Seattle, Washington.
We may make changes to these Terms from time to time. If we make changes, we will provide you notice by posting the amended Terms to our Services and updating the “Last Updated” date above. We may also attempt to notify you by sending an email notification to the address associated with your account or by providing notice through our Services. Unless we say otherwise in our notice of changes, the amended Terms will be effective immediately and your continued access to and use of our Services after we provide notice will confirm your acceptance of the changes. If you do not agree to the amended Terms, you must stop accessing and using our Services.
We reserve the right, without notice and in our sole discretion, to terminate your right to access or use our Services at any time. Without limiting the foregoing, we may, in our sole discretion and without liability to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, any portion of our Services. We are not responsible for any loss or harm related to your inability to access or use our Services.
If any provision or part of a provision of these Terms is unlawful, void or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions.
The Services are only intended for use by persons located in the United States. If you choose to access the Services from outside the United States, you do so at your own risk and you are responsible for compliance with all local laws. Additionally, all or part of our Services may be subject to U.S. export control and economic sanctions laws (“Export Controls”). You agree to abide by all Export Controls as they relate to your access and use of our Services.
If you downloaded the Services from the Mac App Store, the following terms also apply to you:
Tomorrow’s premium upgrade bonus offer is valid for existing qualifying users who successfully refer a new Tomorrow user. The premium upgrade bonus is one Tomorrow Plus upgrade, when the bonus criteria are met, from Tomorrow’s inventory of available incentives for this offer. The Tomorrow Plus membership current value is $39.99/year and is limited to its feature set at the time of the award. Tomorrow may change the features and pricing of Tomorrow Plus at any time. The bonus may be awarded for one year or longer at Tomorrow’s discretion. Tomorrow displays the odds of winning the bonus and how the odds improve when certain actions are taken. The potential for winning the bonus will be credited only if the invitation is sent trough the Tomorrow platform. If awarded, the bonus will be credited to the qualified user’s account within one week. Any bonus not claimed within 30 days may expire. The bonus has no cash value. Tomorrow reserves the right to change the offer terms or terminate the offer at any time without notice. The offer is limited to one per user. The offer is not transferable, saleable, or valid in conjunction with certain other offers and is available to U.S. residents only, excluding Puerto Rico, the U.S. Virgin Islands and other territories. Tomorrow may decline requests to enroll in the offer at its discretion. Other restrictions may apply.
These Terms constitute the entire agreement between you and Tomorrow relating to your access to and use of our Services. The failure of Tomorrow to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. The section titles in these Terms are for convenience only and have no legal or contractual effect. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third party beneficiary rights upon any other person or entity.