Terms of Use

Welcome! 

Thank you for choosing ClearEstate. Please read these terms carefully before accessing or using the ClearEstate's platform app.clearestate.com website, ClearEstate mobile interface and/or your account (the “Platform”) and their related transactional pages and services (collectively, the “Services”) and logging into your ClearEstate account.

ClearEstate Technologies Inc. (“ClearEstate”, “we”, “us” or “our”) is a company that provides a Platform for the delivery of tech enabled estate planning and estate execution services. ClearEstate is a registered company located at 614 Saint-Jacques St., Suite 100, Montreal, QC H3C 1E2, Canada. 

These terms of use (the “Terms of Use”) are a binding legal agreement between you and ClearEstate that govern your right to use the Platform and Services. By accessing or using our Platform or by being provided with any of our Services and logging into your ClearEstate account, you agree to be bound by these Terms of Use. You should also read our Privacy Policy, which is incorporated by reference into these Terms of Use. You will be asked to accept these Terms of Use as part of your account registration on the Platform. If you do not wish to be bound by these Terms of Use, please do not access or use the Platform.

These Terms of Use explain your obligations and responsibilities and ClearEstate’s rights in connection with your access and use of the Platform and the Services. By clicking on the “Sign Up” button and creating an account, you acknowledge that you: (i) are at least 16 years old (ii) have read and understood these Terms of Use; (iii) understand the need for independent legal advice on whether or not to accept these Terms of Use; and (iv) agree to be bound by these Terms of Use. Failure to meet these conditions removes any and all warranties associated with the purchase.

ClearEstate may update or revise these Terms of Use from time to time. You agree to consult ClearEstate’s Terms of Use and Privacy Policy from time to time and acknowledge that your continued use of the Platform or the purchase and/or use of ClearEstate’s Services through the Platform means that you have accepted any changes that may have been made thereto. If you do not agree to, or cannot comply with, the Terms of Use as revised, your sole recourse is to terminate your use of the Platform. You will be deemed to have accepted the Terms of Use as amended if you continue to use the Platform and/or purchase our Services after any amendments are made. 

1. Definitions

In ClearEstate’s Terms of Use and Privacy Policy, the term “Executor” refers to the person(s) designated by the Deceased or appointed by law to liquidate the estate or execute his/her will in such capacity; the term “Deceased” means the person deceased and for whom the Platform and the Services are used to liquidate the estate; the term "Planner" refers to the person(s) who have hired ClearEstate to create an estate plan; the term “Estate” (when capitalized) means the portal on the Platform created by the Executor or the Planner(s) of an estate, ClearEstate or our business partners in order to settle an estate, access and use the Services and share information and documents with some other users of the Platform or the Services; "Jurisdiction" refers to the geographical space of either a USA state or a Canadian province or territory, as the case may be; "Pre-Need Plans" refers to any ClearEstate Essential, ClearEstate Plus, ClearEstate Complete, ClearEstate Premium, or ClearEstate Estate Representative plans; and "At Need Plans" refers to any of ClearEstate Free Will, ClearVault Essential, ClearVault Plus,ClearVault Complete, and ClearVault Professional Executor plans.

For greater clarity, in these Terms of Use and ClearEstate’s Privacy Policy, the term "Services", when referring to those offered and provided by ClearEstate, refer to the Platform and its features and functionalities and the professional, assistance and support services provided by ClearEstate, as the case may be. ClearEstate does not provide tax, accounting or legal services or advice but may act as an intermediary between Platform users and and third party tax advisors, accountants, lawyers, as well as other professionals and business partners, all of them acting as independent contractors (referred herein as the “Independent Professional Advisors”). 

2. ClearEstate is not a Law Firm, nor a substitute for Legal Advice

ClearEstate is NOT a law firm, or an attorney and no attorney-client relationship or privilege is created between you and ClearEstate. The legal information contained on the Platform is not legal advice and is not guaranteed to be correct, complete, or up-to-date. If your specific problem is too complex to be addressed by ClearEstate, you should consult a licensed attorney in your area.

By accepting these Terms of Use, you understand and agree that ClearEstate only acts as an intermediary between Platform users and Independent Professional Advisors, all of them acting as independent contractors and subject to the terms of your testamentary documents and Payment Terms.

3. Disclaimer of Warranty and Limitation of Liability

We make every effort to ensure that the features of the Platform are reliable and accurate when published. Despite our best efforts, we cannot guarantee that the information is accurate or complete, free from error or omission, or that it is up-to-date at all times. We cannot guarantee that the Platform will be accessible at all times, without interruption, or that it will be free from errors. We shall not be held responsible for any damages that may result from the inaccessibility of the Platform, or from any difficulties that you may experience while you access it, including: an interruption of service; a network failure; the malfunction of any equipment, computer hardware or software; or any faulty, incomplete, incomprehensible or deleted transmission, whether or not such difficulties have been brought to our attention. In general, and without limiting the specific cases of limitation of liability mentioned above, and notwithstanding any provisions to the contrary, we shall not be held responsible for any damages that may result from or relate to the Platform and/or its contents or our Services, except in cases of gross or wanton negligence. When the Platform asks or suggests that you submit to it any document or information, you are responsible for submitting to the Platform the up-to-date, complete and accurate document or information, free from error or omission. We shall not be held responsible for and we hereby disclaim any liability in connection with any document or information submitted to the Platform or on an Estate by you or any other user (including users who have been granted an access to a specific Estate and related Services).

4. Our Services - Subscription Tiers

ClearEstate has created a comprehensive companion tool for estate settlement and planning. Each client, whether an Executor or a Planner, and based on their needs and jurisdiction requirements, is guided through the stages of estate settlement or planning processes making sure steps are completed at the right time. The plans we offer give you flexibility to choose the amount and depth of guidance you want from us – from just a little help (if You feel confident in being able to complete the process by yourself), up to a complete hands-off (if You prefer to delegate all tasks to us). 

For complete hands-off plans, such as the ClearEstate Estate Representative and ClearVault Professional Executor plans, ClearEstate has partnered with Sorrell Private Trust Company Inc. (“Sorrell”), a non-deposit taking trust company licensed and regulated by the Treasury Board and Finance Department of the Government of Alberta and who you can name as your trustee and/or executor.

Fees included in the Payment Terms will not include any of the following fees/costs, which You will be responsible for:

  • Provincial or federal sales tax, excise tax or other taxes chargeable and invoiced to you by ClearEstate, or by the tax authority directly;
  • Disbursements, out-of-pocket expenditures, such as certificate fees, filing fees, courier charges, travel, etc., if applicable; and
  • Fees charged by independent professional advisors (“Professional Advisors”), not specifically included in your plan, such as external lawyers, tax advisors, real estate agents, wealth management advisors, etc.

ClearEstate may act and rely, and shall be protected when acting and relying in good faith, on the advice of Professional Advisors, whether retained by ClearEstate or by you, in relation to any matter arising in the performance of the Services. You hereby consent that ClearEstate provides Professional Advisors with all documents, information and records required in order to provide the Services. ClearEstate will make reasonable efforts to limit the information disclosed to the minimum that is necessary to accomplish the intended purpose of the disclosure. 

Any advice provided by Professional Advisors will be invoiced as disbursements and charged separately, except where included in your Plan. ClearEstate will get your approval for such charges before engaging any Professional Advisors.

4.1. At Need Plans

At Need Plans are perfect for executors who require support, guidance or a complete hands-off in settling the estate of their loved ones. We offer five different plans that you can choose from, depending on the circumstances and how much time and effort you wish to spend settling the estate. By contracting our Complete or Premium Plans, You agree to appoint ClearEstate as your agent to carry out some or all (depending on the plan contracted) of the administrative burden of the estate settlement and support you in performing your duties and responsibilities with respect to the Estate (hereinafter the “Agent Services”).

ClearEstate will complete the Agent Services based upon the information that You provide. You agree to provide accurate and updated information, documents and records to ClearEstate upon its reasonable request, and execute all necessary documentation requested by ClearEstate to provide the Agent Services. ClearEstate will not be responsible for any delays or interruptions in the administration of the Estate resulting from the omission of information, or the submission of inaccurate or incomplete information by You.

ClearEstate shall provide You with access to all documents, information and records generated in the provision of Agent Services and shall answer all related inquiries.

4.1.1. ClearEstate Essential

Under this plan, the ClearEstate Platform and our highly-trained estate professionals guide executors and estate representatives through the estate settlement process, including a general overview of probate. This plan is suitable for estates that have assets located in one jurisdiction. You will receive the following services:

  • Executor has the opportunity to ask general questions about the settlement process to a highly-trained estate professional;
  • Facilitation of letters, notifications, and other communications addressed to beneficiaries, financial institutions, creditors, and governmental agencies;
  • Guidance in discovery of asset and liabilities;
  • Estate overview dashboard showing assets, liabilities and future distributions; and
  • Guidance on asset liquidation
  • Guidance on timing of distribution
  • Preparation of beneficiary releases

4.1.2. ClearEstate Plus

This plan is suitable for estates that have assets located in one sole jurisdiction. Under this plan, You will receive the following services:

  • Executor has the opportunity to ask general questions about the settlement process to a highly-trained estate professional;
  • Facilitation of letters, notifications, and other communications addressed to beneficiaries, financial institutions, creditors, and governmental agencies;
  • Guidance in discovery of asset and liabilities;
  • Estate overview dashboard showing assets, liabilities and future distributions; 
  • Guidance on asset liquidation; 
  • Beneficiary portal allowing You to communicate with all beneficiaries in real-time and to grant them access to the Platform where they can see the Estate overview dashboard showing assets, liabilities and timelines and values of distributions; and
  • Preparation of estate tax report and secure the estate's clearance tax certificate.

4.1.3. ClearEstate Complete

This plan is suitable for estates that have assets located in one sole jurisdiction. Under this plan, You will receive the following services:

  • Executor has the opportunity to ask general questions about the settlement process to a highly-trained estate professional;
  • Collection of data and information from the client after initial account set-up, and entry of information into the Platform.
  • Preparation and filing of letters, notifications, and other communications addressed to beneficiaries, financial institutions, creditors, governmental agencies and other third parties;
  • Up to 30 hours of representation with third parties such as financial institutions, service providers, realtors, financial advisors, and other third parties;
  • Facilitate the discovery of inventory of asset and liabilities;
  • Estate overview dashboard showing assets, liabilities and future distributions; 
  • Facilitation of asset liquidation and distribution; 
  • Beneficiary portal allowing You to communicate with all beneficiaries in real-time and to grant them access to the Platform where they can see the Estate overview dashboard showing assets, liabilities and timelines and values of distributions; 
  • Preparation of estate tax report and secure the estate's clearance tax certificate; and
  • Preparation of estate accounting reports, such as passing of accounts reports and transactions reports. 

4.1.4. ClearEstate Premium

This plan is required for estates that have assets which are located in more than one jurisdiction. The basic ClearEstate Premium plan covers up to two jurisdictions. For estates that have assets located in three or more jurisdictions, a jurisdictional add-on can be purchased separately.

Under this plan, You will receive the following services:

  • Executor has the opportunity to ask general questions about the settlement process to a highly-trained estate professional;
  • Collection of data and information from the client after initial account set-up, and entry of information into the Platform.
  • Preparation and filing of letters, notifications, and other communications addressed to beneficiaries, financial institutions, creditors, governmental agencies and other third parties;
  • Up to 75 hours of representation with third parties such as financial institutions, service providers, realtors, financial advisors, and other third parties;
  • Facilitate the discovery of inventory of asset and liabilities;
  • Estate overview dashboard showing assets, liabilities and future distributions; 
  • Facilitation of asset liquidation and distribution; 
  • Beneficiary portal allowing You to communicate with all beneficiaries in real-time and to grant them access to the Platform where they can see the Estate overview dashboard showing assets, liabilities and timelines and values of distributions; 
  • Preparation of estate tax report and secure the estate's clearance tax certificate; and
  • Preparation of estate accounting reports, such as passing of accounts reports and transactions reports. 

4.1.5. ClearEstate Estate Representative  

Under this plan, You will receive all services included in our ClearEstate Premium plan. In addition, ClearEstate’s trust partner Sorrell, will act as the Estate Representative of the Estate and ClearEstate acting as agent for Sorrell. ClearEstate will carry-out, on behalf of the Estate, all administrative tasks required to settle your loved one Estate. 

4.2. Pre-Need Plans

Our Pre-Need Plans allow individuals or couples to plan their estates. This will include creating a will, a power of attorney to manage property and a power of attorney for health purposes. You can book a 30-minute free consultation to learn more about the meaning of these documents and which plan would be the best option for your particular case. Leaving your estate planned will ease the administration and transfer of property to your loved ones. The best gift you can leave is a well-planned estate. 

4.2.1. Free Wills

A Will is a legal document that includes instructions about how all of your assets, such as property and money, are to be distributed upon your death and the persons intended by you to be the beneficiaries of such distribution. It can also name guardians or custodians that you would want to care for minor children and pets after you die. In your Will, you can also appoint the person that will settle your affairs on your behalf – known as an executor

Part of our mission at ClearEstate, is to democratize estate planning which is why we created a free Will, so that You, and everyone in North America, have the opportunity to plan their end-of-life. We think it is true when we say that the best gift You can leave your loved ones is a well-planned estate. 

Creating a Will has legal consequences as it will fully represent your wishes and intentions after you pass away. You must understand the value of your assets and of any assets that you share with others, as your wishes in the Will only apply to the assets to which you have legal rights. You should only complete a Will after understanding your obligations to your dependents and spouse, because if you exclude them, they could make a legal claim against your estate. For your Will to be legally binding, you must be of legal age in the jurisdiction where you live and have full mental capacity when creating it. We have included explanations to help you create your Will. However, each person has unique and particular circumstances, which is why if you have questions or are not sure as to how complete a question, you should reach out to us or seek professional help.

This plan includes information and guidance on platform but doe not include a consultation with an estate professional. The plan provides You with a Will, but it is your responsibility to have the Will notarized and witnessed to give validity to it. This plan does not include notarization services. 

4.2.2. ClearVault Essential

This is our basic plan for estate planning where You have an hour session with an estate professional where You can review your previously created testamentary documents. This plan does not include the creation of the testamentary documents but it grants You access to store your already created documents in our secure Vault. You also get access to our platform that will show you the value of your estate, your family tree and distribution plan.

4.2.3. ClearVault Plus

This plan includes up to 2 hours with an estate professional so that You can review

4.2.4. ClearVault Complete

4.2.5. ClearVault Professional Executor

Under this plan, You can appoint Sorrell, our trust partner, as your fiduciary, such as your trustee and/or executor in your estate documents. You shall notify ClearEstate of any assets that require management (the "Assets"). ClearEstate does not manage Assets but can recommend You to independent asset management advisors who are qualified to undertake this task and who will charge their fees separately. Sorrell and ClearEstate role under this plan is that of a fiduciary and agent where only oversight of asset management is provided and fees charged cover solely those of fiduciary nature. 

5. Your Use of the Platform

Unless you have entered into a distinct written agreement with ClearEstate to that effect, (i) the Platform and the Services are made available to you and provided exclusively for your personal and non-commercial use, (ii) you cannot resell the Services or the use of the Platform. You cannot access and use the Services and the Platform in a manner that competes with ClearEstate's activities.

You are prohibited from and agree to not submit to the Platform any information that is inappropriate, obscene, or fraudulent. You are also prohibited, and you agree to refrain from transmitting or submitting to the Platform any information that you know to be outdated, false or misleading. You are prohibited from and you agree not to engage in any activity related to the use of the Platform that constitutes a criminal offence, unlawful action or violation of ClearEstate’s Terms of Use and Privacy Policy. You are solely responsible for any document or information that you submit to the Platform, including to an Estate. 

ClearEstate will automatically and without notice suspend your access to the Platform and to its Services if ClearEstate has reasonable grounds to believe that your use of the Platform constitutes or is related to any criminal activity, unlawful act, violation of ClearEstate’s Terms of Use and Privacy Policy, or attempt to do the foregoing. Unless precluded by law, ClearEstate also reserves the right to transmit with notice any information that ClearEstate deems relevant (including personal information) to the appropriate authorities to prevent or stop any criminal or unlawful act, especially if the security, integrity and/or well-being of the Platform’s users are at risk. 

You must not use on the Platform any form of destructive software such as viruses, worms, Trojan horses, time bombs, cancelbots or other harmful components, files, programs or computer codes designed to interrupt, destroy or limit the functioning of the Platform. You may not attempt to gain unauthorized access to the Platform, an Estate, other computer systems or networks connected to the Platform by password extraction or other means; interfere with or disrupt networks or servers connected to the Platform or violate the regulations, policies or procedures of such networks; and use, download or otherwise copy, or provide to a person or entity, the user directory or other user information (including any information about a Deceased, its estate or beneficiaries), or data on the use or any portion thereof for purposes other than those used for the Platform. 

To use the Platform, you must register and create a personal user account. You must be at least 16 years old to register and create an account. You will need to submit to ClearEstate personal information such as your name, personal address, your work email address, phone number and age, and depending on the type of account you have created, you will be required to register a valid credit card. Your account information must be true, accurate, complete and up-to-date at all times. Otherwise, your access to your account may be suspended or terminated automatically and without notice. 

Other personal information about you or about the Estate may have to be submitted to the Platform by you or other persons (e.g., family members, professionals) in order to settle an estate. Such personal information may include marital status, age, driver license, relationship with the Deceased, contact information, telephone number, email address, social insurance number. We refer you to our Privacy Policy for more detail. Any personal information you provide us will be processed in accordance with our Privacy Policy.

By creating an account, you agree that you may receive communications from us, such as newsletter, promotions, and account reminders and updates. You may unsubscribe to receive optional communications, like marketing messages, but you may not opt-out from essential communications, such as communications regarding the Estate and Services contracted.

You understand and agree that you are responsible for maintaining the confidentiality of the passwords associated with your account. You agree that you will be solely responsible for activities that occur under your account. If you become aware of any unauthorized access or activity, whether criminal or illegal, you agree to notify ClearEstate immediately at the following e-mail address: support@clearestate.com.

6. Your Comments

You can post comments on the Platform about your experience with ClearEstate's Services and express your appreciation of the Platform. You can also send us comments to hello@clearestate.com. ClearEstate may review your comments before or after they are posted, delay or prevent their publication and may delete them once posted if they are likely to cause injury or damage to others, or  contain personal information or material that may be sensitive, illegal or that go against the Platform's rules of use or ClearEstate's recommendations. The purpose of this moderation is to enforce the rules of use of the Platform and to prevent abuse, but does not diminish your responsibility in any way. You must be the author of your comments and they must not violate the intellectual property rights of others. The comments expressed by a user of the Platform are those of that user and not those of ClearEstate.

By posting comments on the Platform or sending comments to us over any type of media (email, direct messages through the Platform, social media, physical mail, fax), you grant ClearEstate a royalty-free, irrevocable, perpetual, worldwide and non-exclusive license to publish, reproduce and distribute said comments by any means of communication controlled or authorized by ClearEstate, including social media. You hereby waive any moral right you have on or to your published comments and you authorize ClearEstate to modify them to make them easier to understand and to identify you as the author of your comments. ClearEstate is under no obligation to publish your comments or keep them accessible, this decision being at our sole discretion.

ClearEstate requires all users of the Platform and its Services to be respectful and civilized in their comments. You are prohibited from posting comments that are likely to offend or that may expose an individual or group of individuals to hatred or contempt on the basis of race, origin, colour, religion, sex, sexual orientation, age, physical or mental disability or other grounds. Your comments must be of a personal, non-commercial nature. ClearEstate strongly recommends that you do not post comments containing your personal information or that of the Deceased or beneficiaries.

7. Termination of the Platform and/or Services

We reserve the right to suspend, and/or terminate, at any time, without warning, full or partial access to the Platform, including your account or any or all Estate(s) you have created on the Platform and any of the transactional pages and any of our pages accessible through certain social media websites, as well as our Services. We additionally reserve the right to discontinue uploading information to such sites, accounts and Estates, in which case we shall not be held responsible for any damages that you may incur. All information on the ClearEstate website and/or Platform is subject to change without prior notice. We may also suspend or terminate our Services and access to the Platform at any time in case of late payment of our fees as set out below in clause 15 Payment Terms.

ClearEstate expects that your use of the ClearEstate Platform and Services for estate administration should result in a settled estate within a 24-month period. On the rare occasion where the administration of the estate requires support beyond twenty-four (24) months, access to the Platform and Services will be extended free of charge.

ClearEstate expects that your use of the ClearEstate Platform and Services for estate planning should result in a complete planning estate within an 8-month period, unless the annual maintenance fee add-on is purchased by the client. On the rare occasion where planning an estate requires support beyond eight (8) months, access to the Platform and Services will be extended free of charge. 

You may terminate our Services at any time by providing us with a written notification or email sent to support@clearestate.com at least 30 calendar days prior to the intended termination date. However, keep in mind that your obligations under this Terms of Use, such as obligations set forth in clause 15 Payment Terms will survive and you will be liable for any Service received and rendered by us that you have not been fully paid.

ClearEstate reserves the right to withhold Services and/or terminate your access to the Platform if you haven't paid an outstanding invoice for over thirty-one (31) calendar days. ClearEstate will resume Services and your access to the Platform once payment from you is received.

If you have agreed to our Services and we have started to provide you with our Services and/or access to the Platform, ClearEstate has the right to charge the applicable fees for those Services provided, including any time spent and costs incurred on behalf of you, even if you (unilaterally or with ClearEstate's consent) agree to early terminate our Services.

8. Executor, Facilitator, Beneficiaries and Professionals

If you are accessing and using the Platform as the Executor of an Estate or its facilitator, you have full control over the management of this specific Estate on the Platform and have the right to invite other users such as beneficiaries and professionals to access this Estate. You are solely responsible for granting access to such users and ClearEstate shall not be held responsible for any damages that you or other people may incur when granting access to an Estate to other users. 

If you are accessing and using the Platform as the beneficiary of an Estate or as a professional, you may have limited access to the documents and information which can be available on the Estate. We refer you to the Executor of the Estate if you have any question about the documents and information you would like to access on the Estate. 

As part of our standard Services, ClearEstate and the professionals we partner with review the documents and information submitted to the Platform, including the forms filled on or by the Platform and perform the Will validation process (probate). We understand that you may however prefer that your own professional advisors review those documents, information and forms and complete the probate process. 

Some estates are more complicated to settle than others. This is often the case when a trust has been established, a will is invalid, the status of the Executor is challenged, or if the property of the Deceased is located in multiple jurisdictions or includes equity in a corporation, partnership or other legal body. If further to our review we believe that settling the estate requires additional, specific or more sophisticated professional services, we will notify you and recommend that you retain the services of Independent Professionals Advisors in order to settle the estate. 

We understand that you may however prefer that we continue to assist with the settling of the estate for you. If that is the case, we will retain the services of professionals to address those specific issues. These services will be charged separately. We will seek your approval before applying any additional fees. 

Unless you appoint us as your agent, ClearEstate shall not be held responsible for any service or opinion provided to you (via the Platform or otherwise) by professionals appointed by you (such as tax advisors, accountants or lawyers) to assist in  settling the Estate and disclaims any liability in connection therewith. Your relationship with such professionals shall be governed solely by your own agreement with them.

9. Hyperlinks and Third-party Service Providers

The Platform contains hyperlinks that may direct you to the websites of our business partners (such as “StripeTM” or other internet payment services provider and “DocuSignTM” or other electronic signature provider) or other service providers or third parties (such as Independent Professionals Advisors like “Dentons Canada” or other legal or tax advisors). Such third party websites are not under our control, and we are not responsible for the contents of any such website or any link contained in such websites. The third party links included on the Platform are provided for your convenience, and the inclusion of such links does not imply a recommendation or endorsement by us of any such website or the products or services offered therein. If you decide to access any of the third party websites, you do so entirely at your own risk. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with the use of or reliance on any such third party website. 

Any third-party content, data or publications made available through the Platform are furnished by us on an as-is basis for your convenience and information. Any opinions, advice, statements, services, offers, or other information made available by third parties, including legal professionals or tax advisors, are those of the respective author(s) or and not of us. WE DISCLAIM ANY WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED, THAT THE INFORMATION IN SUCH PUBLICATIONS IS ACCURATE OR COMPLETE.

Whenever instructed by you, ClearEstate may act as your agent and rely on the services provided by our business partners to help you settle an estate. 

10. Indemnification

You agree to indemnify and hold us harmless from all damages and causes of action arising from any of your actions or omissions related to your use of the Platform in violation of the present Terms of Use and/or ClearEstate’s Privacy Policy or applicable laws. Neither ClearEstate nor any other user, including Independent Professionals Advisors,  assume any responsibility or liability that may arise from any act or omission or unlawful, outdated, false or misleading content, transmission or upload by you or any other user.

ClearEstate shall not have any liability in the event that any information exchanged or provided by You is found to be inaccurate in the absence of gross negligence, bad faith or willful misconduct by ClearEstate. ClearEstate shall also not be liable for any actions or omissions by it or its Professional Advisors, in the absence of gross negligence or willful misconduct. Notwithstanding anything in this Terms of Use or any ancillary agreement to the contrary, ClearEstate shall not be held liable under this agreement or any ancillary agreement for any incidental, consequential, special, indirect, punitive or exemplary damages.

You will indemnify and hold harmless ClearEstate, ClearEstate’s directors, officers, employees, agents and assignees (the “Indemnitees”), from and against any and all losses, claims, damages, liabilities, penalties, levies, assessments, and costs, including any and all legal fees and disbursements (collectively the “Claims”), which may at any time be incurred by or asserted against the Indemnitees, either directly or indirectly from:

  • Any claim brought against the Indemnitees by the Estate, any Beneficiary under the Estate, or any other person arising from the failure of the Indemnitees to perform the Services, provided that the Indemnitees acted without gross negligence;
  • Any act, omission or error of the Indemnitees in connection with this Agreement, provided the Indemnitees acted without gross negligence;
  • The actions of, or any failure to act by, any third party;
    inaccuracies in or inadequacies of the information provided by you to the Indemnitees;
    Failure by the Indemnitees to perform or fulfill any obligations to you due to any cause beyond its control; and/or
  • Any decision made by you that is contrary to the recommendations of the Indemnitees.
    If more than one person is appointed as executor, estate representative, attorney, and/or trustee, You and all parties shall be jointly and severally liable with respect to all liabilities arising under this Addendum and any ancillary agreement, including the payment of any fees owing to ClearEstate.
11. Disclaimer Clause

You acknowledge that you are using the Platform and that you rely on it at your own risk. To the extent permitted by law, ClearEstate does not offer any warranty of any kind with respect to the Platform and ClearEstate’s Services, all provided "AS IS", “WHERE IS” and “AS AVAILABLE”. THE PARTIES EXPRESSLY EXCLUDE ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, QUALITY OF SERVICES RENDERED, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE AS WELL AS THOSE ARISING OUT OF APPLICABLE LAW OR OTHERWISE UNDER THE MARKET OR NORMAL COURSE OF BUSINESS. WE DO NOT WARRANT THAT THE PLATFORM WILL CONTINUE TO OPERATE, OPERATE WITHOUT INTERRUPTION OR BE FREE FROM ERROR.

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT CLEARESTATE IS NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DIRECT OR PUNITIVE DAMAGES OR OTHER TYPES OF DAMAGES (INCLUDING IN PARTICULAR, PROPERTY DAMAGE, LOSS OF INFORMATION, PROGRAMS OR DATA, ECONOMIC LOSSES) ARISING FROM THE USE OF THE PLATFORM, ANY CONTENT PROVIDED, A THIRD-PARTY WEBSITE, OR THAT ARISES FROM ANY ACTS OR OMISSIONS OF A USER, THE INABILITY TO USE OR ACCESS THE PLATFORM, WHETHER CLEARESTATE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR SUCH LOSS, OR THAT SUCH DAMAGE OR SUCH LOSS IS REASONABLY FORESEEABLE. 

YOU ACKNOWLEDGE AND AGREE THAT CLEARESTATE DOES NOT PROVIDE TAX, ACCOUNTING OR LEGAL SERVICES NOR OPINIONS BUT MAY ACT AS AN INTERMEDIARY BETWEEN PLATFORM USERS AND THIRD PARTY INDEPENDENT PROFESSIONAL ADVISORS, ACTING AS INDEPENDENT CONTRACTORS. CLEARESTATE IS NOT RESPONSIBLE FOR ANY SERVICE OR OPINION PROVIDED TO YOU (VIA THE PLATFORM OR OTHERWISE) BY ANY SUCH INDEPENDENT PROFESSIONAL ADVISORS AND DISCLAIMS ANY LIABILITY IN CONNECTION THEREWITH.

In all cases, you acknowledge that ClearEstate’s total and aggregate liability for such damages that you may claim and that may be granted to you is limited to the value of our agreement with you. 

If you are accessing the Platform as a “facilitator”, “beneficiary” or “professional”, ClearEstate's Platform and Services are made available to you because the Executor has registered you as such for a specific Estate and has requested that an invitation be sent and access be granted to you in such capacity and for this specific Estate. Your access to the Platform and ClearEstate's Services will be terminated in the event of the Executor deciding to remove your right to access and use ClearEstate's Platform and Services in respect of this specific Estate. Notwithstanding the fact that your access to the Platform and the Services are granted by or on behalf of the Executor, the Executor will not be liable for any damage you may suffer as a result of your use of the Platform and the Services, and the Executor makes no warranty of any kind regarding the Platform and the Services. Without limiting the foregoing and subject to any written agreement to the contrary between ClearEstate and you, by accessing and using ClearEstate's Platform and Services through your user account, you agree that you are personally responsible for your own acts and omissions.

12. IT Security

We comply with applicable laws governing the protection of personal information. In addition, we use encryption techniques to protect the confidentiality of the information exchanged between you and our service provider within transactional pages. We also protect information exchanged when the Platform is accessed through a non-secure platform or in a public location, which could endanger the security of your personal information or the documents or information submitted to the Platform. However, we shall not be held responsible for any damages that you may incur as a result of your access to the Platform under such circumstances.

Telecommunication networks (including the Internet), electronic systems, email or telephone communications (including SMS) are neither secure nor confidential. They can be accessed, lost or intercepted, in much the same way as communications by other means (for example, by post). No electronic system is completely secure or error-free. We shall not be held responsible for any damages that you may incur from using our Platform or from any exchange of e-mail or electronic messages (including SMS), whether originating from you or from us.

To access some of our services, including but not necessarily limited to our Platform, you need an account.  You cannot use someone else’s account, login, or password to access any portion of the Platform. Choose your password wisely and keep your account details safe. Sharing it, intentionally or not, makes you liable for any losses due to someone else’s use of your account. You alone are responsible for ensuring the protection and safekeeping of your data when using your computer platforms and devices. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@clearestate.com   

ClearEstate may, in its sole discretion, audit, analyze, monitor, track and record the activities conducted on the Platform by you and other users. This can include logins and logouts, documents viewed, accessed or deposited, pages and sections accessed and features and functionalities used. ClearEstate does so for record-keeping purposes, to improve the Services and the features and functionalities of the Platform as well as to document the activities conducted on the Platform for law enforcement and legal proceedings purposes.

13. Trademarks and Intellectual Property

All web content (including text, illustrations, graphics, images, photographs, audio and video clips, software and codes available on the Platform (collectively, the "Content"), including the manner in which the Content is presented, is protected by Canadian and foreign laws, notably under copyright law, and belongs to ClearEstate. You are prohibited from: (i) using, reproducing, modifying, adapting, translating, downloading or transmitting the Content, in whole or in part, or otherwise permit access; (ii) modifying, removing or covering any trademark or property notice included in or on the Content or the Platform; and (iii) decompiling, disassembling, decrypting, extracting the Platform or performing reverse engineering on the Platform or their components, including, but not limited to, software, or assist anyone in doing the foregoing.

Certain names, words, titles, phrases, graphics, logos, icons or designs used on the Platform may be trademarks belonging to ClearEstate, our business partners, service providers or used with the consent of third-party owners. You agree not to remove, edit or otherwise alter trademarks, service marks, logos and other proprietary information contained on the Platform. Trademarks and the information contained on the Platform, including comments from users, may not be reproduced, in whole or in part, or used in any way without obtaining our prior written consent.

14. Social Media Platforms

Certain pages of the Platform may be accessible through the following social media platforms: Facebook, Instagram, Twitter, YouTube and LinkedIn. Before consulting or using our Platform through these social media platforms, you must read and comply with their respective terms of use and Privacy Policy.

15. Payment Terms

15.1 Our Fees

Upon acceptance of this Terms of Use and our payment terms on our checkout page (the "Payment Terms"), and prior to commencing Service, payment is to either be made by the purchaser in full via credit or a buy-now-pay-later payment plan, which can be selected through ClearEstate's third-party provider and subject to provider’s approval. You can find more information about the buy-now-pay-later payment plan here.

Unless expressly stipulated, fees payable for services rendered to third party agents, such as appraisers, realtors, property managers, external attorneys, etc., if needed, are not included. Similarly, costs to transfer real title, taxes, and court/probate fees are payable by the Estate.

For Estate Planning packages, an additional annual subscription fee will be charged upon accepting our Payment Terms and yearly thereafter.

You agree to submit any disputes regarding any charge to your account in writing to ClearEstate within thirty-one (31) calendar days of such charge, otherwise such dispute will be waived and such charge will be final and not subject to challenge.

15.2 Payment

All payments must be made in the manner and by the due date indicated on our Purchase Terms and any additional invoice(s) or in the buy-now-pay-later payment plan, as applicable (all together referenced as "Purchase Terms"). Should payment not be received within the indicated timeframe, ClearEstate reserves the right to withhold Service and access to the Platform. In any case, ClearEstate reserves the right to withhold Services if payment has not been received within thirty-one (31) calendar days of the date when an account has been created and/or You have expressed interest in hiring ClearEstate. Any payment made by You is to be reimbursed from the estate.

Payments can be made in US dollars or Canadian dollars, using a credit card issued by Visa™, MasterCard™ or American Express™. Applicable sales taxes will be added to all transactions in accordance with applicable laws.

15.3 Payment Priority

By contracting with ClearEstate and accepting this Terms of Use and the Payment Terms, You agree that ClearEstate's fees and expenses as described in the Payment Terms, are due and deemed payable from the beginning of the administration of your Estate and fees shall rank senior to other debt owned by the Estate. Where You have hired a Corporate Executor Plan, and You have appointed ClearEstate as a co-executor, co-trustee or co-attorney, You agree that ClearEstate's fees and ClearEstate's trust partner's fees shall be paid in priority to all other claims for fees and expenses by any-co executors, co-trustees or co-attorneys. 

116. Questions, Feedback and Complaints

We value your feedback! Our mission is to serve you, our clients, with all your estate planning and administration needs. Please send an e-mail to hello@clearestate.com for any questions regarding the operation of the ClearEstate Platform or feedback on how we can make things better. We can’t promise to implement all requests, but we are committed to listening.

To obtain user support, please contact: support@clearestate.com or call 1-(866) 210-2362 between 9:00am and 5:00pm EST from Monday to Friday (except holidays).

We strive to provide the best service possible. However, if you need to file a complaint about our Services, you can do so by:

E-mailing us at legal@clearestate.com 

Calling us 1-(866) 210-2362 between 9:00am and 5:00pm EST from Monday to Friday (except holidays).

Mailing us a letter and hard copies at ClearEstate, 614 Saint-Jacques St., Suite 100, Montreal, QC H3C 1E2, Canada.

In order to serve you best and resolve your complaint efficiently, we kindly ask that when you contact us you tell us:

  • what went wrong,
  • when it happened, and
  • what you expect, for example, money back, an apology or an account correction.

We take complaints seriously and we will try to get back to you promptly. We also ask you that, if we require more information or documents from you, you send those as practical as possible. It is convenient that you keep copies of all relevant documents, such as letters, emails, and notes of our conversations. We will investigate the matter and attempt to give you a decision within thirty (30) calendar days. 

If your complaint relates to a payment, you agree to submit any disputes regarding any charge to your account in writing to ClearEstate within thirty-one (31) calendar days of such charge, otherwise such dispute will be waived and such charge will be final and not subject to challenge.

17. Accessibility at ClearEstate

ClearEstate is committed to ensure a safe and accessible environment that respects the independence, integration, equal opportunity and dignity of people with disabilities. You can provide us with feedback regarding the provision of services to individuals with disabilities by emailing us at support@clearestate.com or call 1-(866) 210-2362 between 9:00am and 5:00pm EST from Monday to Friday (except holidays).

1818. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to choice of law or conflicts of law principles. 

The United Nations Convention on Contracts for the International Sale of Goods shall not govern these Terms of Use or the rights and obligations of the parties under this agreement and is expressly excluded.

19. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY, AS IT AFFECTS YOUR RIGHTS.

19.1. Dispute Resolution and Arbitration 

YOU AND CLEARESTATE AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY BETWEEN YOU AND CLEARESTATE ARISING IN CONNECTION WITH OR RELATING IN ANY WAY TO THESE TERMS OF USE OR ANY OTHER DOCUMENT EXECUTED BY BOTH OF USE THAT GOVERNS OUR RELATIONSHIP AS A USER OF THE PLATFORM AND/OR CLIENT OF OUR SERVICES (ALTOGETHER THE “AGREEMENTS”) (WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, AND WHETHER THE CLAIMS ARISE DURING OR AFTER THE TERMINATION OF THE SERVICES AND/OR AGREEMENTS) WILL BE DETERMINED BY MANDATORY BINDING INDIVIDUAL ARBITRATION. THIS ARBITRATION PROVISION WILL SURVIVE TERMINATION OF OUR RELATIONSHIP. 

If you are acting as a business, the provisions contained in clauses 19 and 20 will apply.

19.2. Exceptions

Notwithstanding the clause 19.1. (Dispute Resolution and Arbitration) above, you and ClearEstate both agree that nothing herein will be deemed to waive, preclude, or otherwise limit either of our rights, at any time, to (i) bring an individual action in a small claims court, (ii) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available, (iii) seek injunctive relief in a court of law, or (iv) to file suit in a court of law to address intellectual property infringement claims.

If you are acting as an individual consumer and if mandatory statutory consumer protection regulations in the jurisdiction where you residence contain provisions that are more beneficial for you, such provisions shall apply.

If you reside in Ontario or Quebec, you also have the right to submit a claim to the competent Court of Justice of your jurisdiction.

19.3. Option to Opt Out of Arbitration

You may opt out of this agreement to arbitrate. If you do so, neither you nor ClearEstate can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing within thirty (30) days of the date that you first became subject to the arbitration provision in these Terms of Use. You must send us a clear statement that you want to opt out of arbitration, along with your name, residence or business address, and the email address associated with your account to: legal@clearestate.com, to opt out.

19.4. Arbitration Rules

Either you or we may start arbitration proceedings. Any arbitration between you and ClearEstate will be finally settled under the Rules of Arbitration of the International Chamber of Commerce (the “ICC”) then in force (the “ICC Rules”) by one or more arbitrators appointed in accordance with the ICC Rules, as modified by the Agreements, and will be administered by the International Court of Arbitration of the ICC.

The ICC Rules can be found here https://iccwbo.org/dispute-resolution-services/arbitration/rules-of-arbitration/ 

Any arbitration will be conducted in the English language and unless otherwise required by a mandatory law where you reside, the law to be applied in any arbitration shall be the law of Ontario, without regard to choice or conflicts of law principles, and the seat of the arbitration shall be Toronto, Ontario, unless a mandatory applicable law where you reside stipulates a different seat. 

19.5. Time for Filing 

Any arbitration must be commenced by filing a demand for arbitration within ONE (1) year after the date the party asserting the claim first knows or reasonably should know of the act, omission, or default giving rise to the claim; and there shall be no right to any remedy for any claim not asserted within that time period. If applicable law prohibits a one-year limitation period for asserting claims, any claim must be asserted within the shortest time period permitted by applicable law.

19.6. Confidentiality 

All documents and information disclosed in the course of the arbitration shall be kept strictly confidential by the recipient and shall not be used by the recipient for any purpose other than for purposes of the arbitration or the enforcement of the arbitrator's decision and award and shall not be disclosed except in confidence to persons who have a need to know for such purposes or as required by applicable law. Except as required to enforce the arbitrator's decision and award, neither you nor ClearEstate shall make any public announcement or public comment or originate any publicity concerning the arbitration, including, but not limited to, the fact that the parties are in dispute, the existence of the arbitration, or any decision or award of the arbitrator.

20. Adjudication

To the fullest extent permissible by law in your jurisdiction, both, you and ClearEstate acknowledge and agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration, both you and ClearEstate, each waive any right to a jury trial.

WHERE PERMITTED UNDER THE APPLICABLE LAW, YOU AND CLEARESTATE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and ClearEstate agree, no arbitrator or judge may consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.

21. Entire Agreement

These Terms of Use constitute the entire agreement between you and ClearEstate regarding your access and use of the Platform, the Services and any other subject matter herein, and they replace any previous agreement, representation, warranty or understanding, whether verbal or written, express or implied, in this regard.

22. Severability

If any portion of these Terms of Use is declared or held unlawful, invalid, or unenforceable, such portion of these Terms of Use shall be deemed severed and shall not affect the validity or enforceability of the remainder provisions of these Terms of Use, which shall remain in full force and effect.

23. Enurement

These Terms of Use are binding upon and shall enure to the benefit of both parties and their respective heirs, agents, legal representatives, assignees, successors (including any successor resulting from a merger or other statutory arrangement) and permitted assigns. 

24. Assignment

You shall not assign or transfer your rights or obligations under this Term of Use or under any other document executed between you and ClearEstate without ClearEstate's prior written consent, which consent shall be at our sole discretion. ClearEstate may, without restriction, assign, transfer or delegate this agreement and any rights and obligations hereunder, at its sole discretion.

25. Waiver

ClearEstate’s failure to exercise any right or remedy provided under these Terms of Use or by applicable law shall constitute a waiver of such right or provision, unless agreed to us in writing. No single or partial exercise of a right or remedy shall preclude or restrict the further exercise of such right or remedy, or of any other right or remedy.

26. Electronic Acceptance of these Terms of Use and Notifications

Neither party hereto shall argue that an agreement was not formed hereunder based on either (i) the use of electronic means to indicate acceptance of these Terms; or (ii) the fact that any signature or acceptance of this agreement was transmitted or communicated through electronic means; and each party forever waives any related defence. 

Any notices or other communications provided by ClearEstate, including those regarding modifications to these Terms of Use, will be given: (i) via email; and (ii) by posting to the Platform. Notice provided by e-mail will be deemed received on the date such email is sent. Notice provided by posting to the Platform will be deemed received on the date that notice is posted.

27. Territorial Restrictions

You represent and warrant that (i) you are not located in a jurisdiction subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. ClearEstate services are intended to be primarily used within North America.

28. Force Majeure

If either Party is delayed, hindered, or prevented from performing its obligations under these Terms of Use or any other document governing our relationship, by reason of war, riot, sabotage, terrorist act, flood, fire, earthquake, hurricane, tornado, radiological emergency, computer virus or worm, governmental or quasi-governmental law, regulation or court order, or any other cause of like nature beyond reasonable control, the party unable to perform will promptly give notice to the other party. As soon as practicable under the circumstances, the non-performing party shall make commercially reasonable efforts to resume full performance.

29. English Language

These Terms of Use may be available in languages other than English. To the extent of any inconsistencies or conflicts between these English Terms of Use and ClearEstate’s Terms of Use available in another language, the most current English version of these Terms of Use will prevail. Any disputes arising out of these Terms of Use will be resolved in English unless otherwise determined by ClearEstate (acting in its sole discretion) or as required by applicable law.