Terms of Use.

Effective Date: January 10, 2025
Company: Total Family, Inc.
Governing Law: State of Delaware

1. Introduction

This Terms of Use Agreement (“Agreement”) is entered into by and between you (“Participant” or “User”) and Total Family, Inc., a Delaware corporation (“TF,” “we,” or “us”). By accessing or using any part of our website or digital platform (collectively, the “Services”), you agree to the terms outlined below.

If your access to the platform is sponsored by an organization—such as a financial advisory firm or employer—your use is subject to the terms of this Agreement and any relevant contractual terms between TF and the sponsor.

2. Scope of Services

TF provides family-focused coaching, consulting, and vision-planning tools via a secure digital platform. These Services may include:

  • Self-paced reflection tools (e.g., Vision exercises)

  • Live or recorded coaching sessions

  • Summaries, dashboards, and personal values outputs

  • Curated libraries of educational resources

TF does not offer financial, legal, medical, or clinical advice. You are solely responsible for decisions made based on your use of the Services.

TF currently serves users based in the United States. Access from other countries may be restricted or subject to different terms. By using the Services, you represent that you reside in the United States.

3. Account Types and Access

Users may access the platform through one of the following methods:

  • Advisor License: Financial advisors or firms may purchase licenses and invite clients to participate at no added cost.

  • Direct Enrollment: Families or individuals may purchase access directly.

Accounts are non-transferable and may not be shared outside the intended user or household.

4. Privacy and Data Usage

We are committed to protecting your privacy. By using the Services, you acknowledge and consent to:

  • TF’s collection of basic personal data (e.g., name, email)

  • The creation and storage of non-sensitive reflections or summaries (e.g., family vision, coaching notes)

  • Secure transmission and storage of data using encryption and vetted tools

For more details, see our Privacy Policy.

TF does not collect or store sensitive personal data such as Social Security numbers, bank accounts, medical records, or investment holdings.

5. Recordings and Summaries

Coaching sessions may be recorded for your benefit, but only with your prior consent at the time of scheduling. Summaries of sessions or inputs may be auto-generated or human-curated to assist with reflection and continuity.

Users retain rights to download or request access to their personalized content (e.g., Vision summaries, roles, values statements) but may not redistribute platform content externally.

6. Intellectual Property

All platform content—including but not limited to tools, templates, prompts, branding, and workflows—remain the intellectual property of TF and may not be copied, resold, or reverse-engineered.

Users retain rights to any personal reflections they author within the platform but grant TF a non-exclusive license to use anonymized or aggregated data to improve Services.

7. Acceptable Use Policy

You agree not to:

  • Use the platform for unlawful purposes

  • Impersonate others or misrepresent your affiliation

  • Share login credentials with non-authorized users

  • Attempt to extract or duplicate proprietary platform materials

Violations may result in immediate termination of access.

8. Third-Party Providers

TF uses select third-party services to deliver the platform experience, including:

  • Stripe (payments)

  • Google (calendar integrations, login)

  • Daily.co (video conferencing)

  • OpenAI (summary generation – no PII transmitted)

Use of these providers is subject to their respective privacy policies. TF does not store payment information.

9. Fees, Renewals, and Cancellation

Unless otherwise stated, access to the platform is provided on an annual license basis:

  • Advisor License: $5,000/year per advisor; unlimited clients

  • Family Access: May be purchased directly or gifted by an advisor

Renewals: Licenses auto-renew annually unless canceled before the renewal date.

Cancellations: Participants may cancel access at any time. If you’re not satisfied with your experience, contact us within 30 days of purchase and we’ll work with you to make it right—including a full refund where appropriate.

We stand by our work and believe in earning long-term trust.

Data Export: If you choose not to renew, you may request a downloadable export (e.g., CSV file) of your family Vision or other data by contacting hello@totalfamily.io before account closure.

10. Termination and Suspension

TF reserves the right to suspend or terminate access at its discretion in cases of:

  • Abuse or misuse of the platform

  • Breach of this Agreement

  • Nonpayment (for direct or sponsor-based accounts)

Users may request account cancellation or deletion at any time by emailing hello@totalfamily.io.

11. Confidentiality and Sponsor Access

Your data is treated with strict confidentiality. If your access is sponsored, TF may share anonymized usage summaries (e.g., login frequency, module completion) with the sponsor—but never your personal inputs or coaching notes without explicit consent.

Should a sponsor terminate their relationship with TF, you may be offered a discounted individual plan to continue access.

12. Limitation of Liability

TF is not liable for any personal, emotional, or financial outcomes resulting from your use of the Services. We do not guarantee results from coaching or family interactions.

To the maximum extent permitted by law, you waive all claims against TF for indirect or incidental damages, except in cases of proven fraud or willful misconduct.

13. Indemnification

You agree to indemnify and hold harmless TF and its affiliates from any loss, claim, or expense arising out of your misuse of the platform, breach of this Agreement, or violation of applicable laws.

14. Dispute Resolution and Jurisdiction

Any dispute will be resolved via binding arbitration in the State of Delaware. You waive rights to class action participation or jury trial. This Agreement is governed by Delaware law, without regard to conflict of law principles.

15. Modifications

We may revise these Terms from time to time. Notice of material changes will be provided upon login. Continued use of the platform after such changes constitutes acceptance.

16. Contact

Questions? Reach us at:

📧 hello@totalfamily.io
📬 Total Family, Inc.
Baltimore, Maryland