Legal Testa

General terms and conditions of membership and use

Version of September 16, 2026

1. Legal Testa's Identity and Purpose

These general terms and conditions (the “Terms”) govern membership in Legal Testa, access to the site and personal space, use of tools, delivery of the Family File, use of the Digital File and associated services (collectively, the “Service”).

The Service is provided by Legal Testa Sàrl, Route de la Galaise 34, 1228 Plan-les-Ouates, Switzerland (“Legal Testa”). For any questions relating to the Service or these Terms and Conditions: info@legal-testa.ch, telephone 022 519 73 69, legal-testa.ch.

By creating an account, placing an order, or using the Service, the person subscribing (the "User") accepts these Terms and Conditions in their version in effect at the time of subscription. The Privacy Policy forms an integral part of the contractual framework for the processing of personal data.

Definitions

• “Membership”: the annual relationship giving access to the services included in the subscribed offer.
• “Family File”: the physical organizational binder given or sent to the User.
• “Digital File”: the personal digital space allowing you to organize, enter, store or generate information and documents.
• “Trusted Person”: the person designated by the User in their personal space for access after death, within the strict limits of article 10.
• “Tools”: assessments, simulations, questionnaires, educational content, guided paths and document generators available in the Service.

2. Subscription, conclusion of the contract and account

2.1 Subscription Steps

Online registration includes the following steps: selecting the offer, entering and verifying the required information, reviewing the Terms and Conditions and the Privacy Policy, correcting any input errors, confirming the order, and making payment. Legal Testa will promptly confirm the order by email. The contract is concluded when Legal Testa confirms the membership or activates the account, subject to payment of the applicable price.

2.2 Personal nature of membership

Membership is personal. The User provides accurate, complete, and up-to-date information and updates it as their situation changes. Legal Testa may refuse, suspend, or terminate access in the event of manifestly false information, fraud, a security breach, misuse, or a serious violation of these Terms and Conditions.

2.3 Account Security

The User protects their login credentials and authentication methods. They do not share them and must inform Legal Testa immediately of any suspected unauthorized access. They may not grant access to their account to any third party during their lifetime, except through a mechanism expressly offered by Legal Testa.

2.4 Personal Capacity and Choices

The Service is intended for individuals capable of understanding the implications of the information and choices they record. When an action requires discernment or other legal conditions, it is the User's responsibility to ensure that these conditions are met.

3. Price, duration, renewal and termination of membership

3.1 Price and included services

Unless otherwise clearly stated, the membership fee is CHF 80 per year, including VAT where applicable. Payment is due at the beginning of each annual period.

Annual membership includes:

• a personal planning interview;
• the physical Family File, delivered or sent according to the terms indicated at the time of subscription;
• access to the personal space, the Digital File, the Tools, assessments, questionnaires and pathways available in the offer;
• the features for updating the file and the designation of one or more Trusted Persons;
• the general guidance of relatives after the death, within the limits of article 11.

Individual legal consultations and other personalized services are not included in the Membership unless expressly stated otherwise. Their price and terms are communicated before any order is placed.

3.2 Automatic renewal

Membership is automatically renewed annually at the price in effect on the renewal date, unless cancelled by the User. Legal Testa sends a reminder at least 30 days before the annual expiry date, indicating the applicable price, the renewal date, and the easy way to cancel.

The User may cancel at any time from their personal account or by contacting Legal Testa. Cancellation takes effect at the end of the annual period already paid. No pro rata refund is due, except where legally required or expressly agreed upon by Legal Testa.

3.3 Default of payment

In the event of failure to pay renewal, Legal Testa may invite the User to rectify their situation within a reasonable period, suspend access to the Service and, if no rectification is made before the expiry date, consider the Membership as not renewed.

3.4 Consequences of the end of membership — essential information

Legal Testa informs the User before the deadline of the option to download the documents they wish to keep. The User remains responsible for backing up the documents and information they wish to preserve. The physical Family File and the originals held by the User remain in their possession.

Data that must be retained due to a legal obligation or is necessary for the establishment, exercise, or defense of legal claims may be retained solely for those purposes. Residual copies contained in technical backups are no longer accessible within the Service and are deleted according to the backup cycles described in the Privacy Policy.

3.5 Membership funded by a third party

Membership can be funded by an employer, company, association, insurer, bank, or other partner. This funding does not grant the third party any right of access to the Digital File, documents, inheritance choices, or the User's personal data. At the end of a funded period, no paid extension will be granted to the User without their prior consent and notification.

4. Nature and limits of the Service

4.1 Organization and information, not individualized advice

Legal Testa helps the User organize their information, understand general issues, prepare documents, and identify useful steps. Unless otherwise agreed in writing, the Service, Tools, and planning consultation do not constitute individualized legal, tax, financial, matrimonial, notarial, or fiduciary advice, nor a mandate for representation, nor a guarantee of legal or tax outcome.

4.2 Information entered by the User

The inventories, documents, lists of assets, debts, accounts, insurance policies, contracts, personal information, and contact details entered or submitted by the User are their sole responsibility. Legal Testa does not systematically verify them and does not guarantee their existence, accuracy, completeness, value, or legal, tax, or inheritance implications.

4.3 Tools and simulations

The results provided by the Tools are based primarily on the data entered, general assumptions, and the rules integrated into the Service. They are for informational and indicative purposes only; they do not constitute an authoritative decision, expert opinion, or personalized advice. Complex, atypical, international, or high-stakes situations should be referred to a qualified professional.

4.4 Service Evolution

Legal Testa may modify the presentation, usability, and functionality of the Service. It will not substantially and unjustifiably reduce the essential benefits of a current Annual Membership. The rules of Article 17 apply to any significant modification.

5. External consultations and professionals

Legal consultations or other supplementary services offered to members are separate from Membership, unless otherwise stated. Their price, duration, provider, and essential conditions are communicated before the appointment is booked or the service is accepted.

When a service is provided by a lawyer, notary, tax advisor, trustee, or other independent professional, the mandate is concluded with that professional according to their own terms. Legal Testa may refer the User or their relatives to professionals, without guaranteeing the acceptance of a mandate or the outcome of their intervention.

6. Generated documents, will and other documents

6.1 Draft Will

Legal Testa can offer a guided process for preparing a draft will based on the user's information and choices. The generated digital document is a preparation document; it does not, on its own, constitute a valid handwritten will.

For a Swiss holographic will, the User must comply with the legal formal requirements, including writing the entire document in their own handwriting, dating it, and signing it. They should carefully review any draft and have it checked by a legal professional if their family, financial, tax, or international situation is complex.

6.2 Original and delivery after death

The User remains responsible for safeguarding the original of their will and providing instructions to help their loved ones locate it. A copy or draft stored in the Digital File does not replace the original when an original is required. Any testamentary disposition discovered after death must be reported without delay to the appropriate authority.

6.3 Other documents

Powers of attorney for incapacity, advance directives, and other documents may be subject to specific requirements regarding form, signature, capacity, storage, or filing. Instructions posted during their preparation must be followed. Digital storage of a copy does not replace applicable legal formalities.

7. Physical Family File

The Family File is an organizational tool designed to help the User and their relatives locate useful information and documents. It is neither an official register, nor a public repository, nor proof of ownership, inheritance rights, or legally valid will. Information or wishes recorded in the Family File do not replace a legal document when the law prescribes a specific form.

The User chooses which documents to store there and remains responsible for their security, confidentiality, accuracy, and updating. Legal Testa recommends not directly entering passwords, private keys, access codes, or other secrets that could compromise accounts or assets into the Family Folder.

8. Digital File, Security and Availability

8.1 Function and originals

The Digital File allows users to organize and store information and documents related to their personal, family, financial, and inheritance situation. It is not intended to replace the original documents that the law or practice requires to be kept. The user retains the relevant originals and, where reasonable, a personal copy of their important documents.

8.2 Security and hosting

Legal Testa implements appropriate technical and organizational measures to protect data against unauthorized access, loss, alteration, or unlawful disclosure. The data in the Digital File is hosted in Switzerland. Detailed information regarding processing, security, storage, and the use of subcontractors is provided in the Privacy Policy.

8.3 Availability

No computer system can be guaranteed to be completely free from risk or interruption. Legal Testa does not guarantee uninterrupted availability of the Service; it takes reasonable steps to restore the Service and preserve data integrity in the event of an incident.

9. Designation of Trusted Persons

The User can designate one or more Trusted Persons in their personal space and define the categories of information or documents to which each person will have access after their death. They can modify, add, replace, or delete these designations and settings as long as they are able to manage their account.

Only the settings and permissions saved in the personal space determine access rights. A card given to a Trusted Person informs them of their designation and how to contact Legal Testa; possession of this card alone does not confer any access rights.

Legal Testa is not required to search for Trusted Persons or to spontaneously inform them of the User's death.

10. Access to the Digital File after death

10.1 Cumulative Activation Conditions

A Trusted Person has no access to the Digital File while the User is alive. After death, Legal Testa can activate access only if all of the following conditions are met:

• Membership was active on the day of death;
• The Trusted Person presents an official document establishing the death;
• His identity is verified;
• it is still listed in the active account settings;
• She accepts the access conditions presented to her before her first consultation.

Legal Testa may request any additional document or information reasonably necessary for the security of the proceedings. Access is not granted solely upon presentation of a Trusted Person card.

10.2 Scope, confidentiality and lack of powers

The Trusted Person has access only to the information and documents that the User has made available to them. In the event of a conflict between a card, a previous communication, or a note on paper and the settings recorded in the personal space, the latter shall prevail.

The Trusted Person uses the information only for purposes compatible with the estate settlement and in compliance with the rights of the individuals concerned. They refrain from any unlawful use, any unnecessary dissemination, and any attempt to access unauthorized information.

The status of Trusted Person is a limited access authorization. It does not confer any power of representation, any status of heir or legatee, any status of executor of a will or agent in case of incapacity, any power of administration or disposal over the assets of the estate, nor any inheritance right that would not result independently from the law or a disposition upon death.

10.3 Probate documents and third-party requests

The presence of a copy, draft, or information relating to a testamentary disposition in the Digital File does not mean that the document is the legally valid original. The Trusted Person is informed of the obligation to promptly hand over to the competent authority any testamentary disposition discovered after death.

Being an heir does not automatically grant access to the entire Digital File. Mandatory rights arising from inheritance law, other legal provisions, or an authority decision remain reserved. Legal Testa may request from heirs, executors, authorities, or other third parties the documents necessary to establish their identity, status, powers, and the basis of their request, and may limit disclosure to the necessary information.

10.4 Conflict or protection of third parties

In the event of a serious dispute, legitimate doubt regarding a status or right, legal obligation, decision of an authority, or the need to protect the rights of third parties, Legal Testa may suspend, postpone, withhold, or restrict access to or communication until the matter is clarified. Legal Testa is not required to resolve inheritance disputes itself.

10.5 Extraordinary expenses

Extraordinary steps necessitated by a legal proceeding, dispute, or request requiring special processing are only billed if the price or method of calculation has been communicated to and accepted beforehand by the person to whom they are offered. No fees are charged to a Trusted Person or an heir solely by virtue of the standard access provided by the active Membership.

11. Guidance for relatives after death

Following the death of a User whose Membership was active, Legal Testa may provide Trusted Persons and, where appropriate, other concerned persons with general information on initial steps and direct them to the appropriate authorities or professionals.

This policy does not mean that Legal Testa administers the estate, represents the heirs, performs legal acts on their behalf, or acts as executor. Any service involving legal, tax, administrative, notarial, executory, or representation matters requires a separate mandate.

12. Obligations of the User

The User agrees in particular to:

• to provide accurate information and update it as it changes;
• review the generated documents and comply with the applicable formalities;
• keep the required originals in a suitable location;
• keep up-to-date contact details and designations of Trusted Persons;
• not to unlawfully deposit or disclose third-party data;
• protect your login credentials and report any security incidents;
• not to use the Service for fraudulent, illegal purposes or in a manner that infringes on the rights of third parties.

13. Data protection and confidentiality

Legal Testa processes personal data in accordance with applicable Swiss law and its Privacy Policy. Given the nature of the Service, the information recorded may be particularly confidential or relate to health, family, assets, or third parties.

The Privacy Policy describes, in particular, the categories of data, the purposes, the recipients, the subcontractors, the hosting in Switzerland, the retention periods, the rights of data subjects, and the contact methods. Users who register data relating to third parties must ensure they have a legitimate reason for processing it and respect their rights.

14. Intellectual Property

The software, interfaces, content, texts, questionnaires, report structures, graphics, trademarks, and other elements of the Service are protected by applicable intellectual property rights. Membership grants the User a personal, non-exclusive, and non-transferable right to use the Service for their private needs. Generated documents may be used by the User for their own purposes, subject to third-party rights and legal requirements.

15. Liability

Legal Testa provides the Service with the care reasonably expected of a provider of this type. To the extent permitted by mandatory law, its liability is excluded for indirect or consequential damages and for damages resulting from improper use of the Service.

Legal Testa is not liable for the consequences resulting from false, incomplete or outdated information provided by the User; failure to comply with a legal form or formality; loss of an original which Legal Testa has not accepted to keep; decisions made solely on the basis of a Tool when individualized advice was necessary; failure to update reasonably after a change in the law; temporary interruption, maintenance, technical incident or event beyond its reasonable control; or acts and omissions of independent external professionals.

No clause in these CG excludes or limits Legal Testa's liability in the event of fraud or gross negligence, nor any other liability which cannot be excluded or limited by mandatory law.

16. Amendment of the Terms and Conditions and the Service

Legal Testa may modify these Terms and Conditions to reflect changes in the Service, the law, security, or its business practices. It will communicate any significant changes at least 30 days before they take effect, via email, in the user's personal account, or through another appropriate channel, providing access to both the old and new versions.

If a modification substantially infringes upon the User's rights, the User may terminate their Membership before it takes effect, with effect from the effective date of the modification and a pro-rata refund for the unused period if the modification is imposed before the annual renewal date. Purely technical modifications, those beneficial to the User, or those mandated by an overriding regulation may take effect earlier when necessary.

17. Communications

Legal Testa may communicate with the User through their personal account, email, postal mail, or any other accepted channel. Communications necessary for the operation of the Service, account security, renewal, update reminders, or the execution of the Membership are not considered advertising communications.

18. Final provisions

18.1 Partial Nullity

If any provision of these Terms and Conditions is void, invalid, or unenforceable, the other provisions shall remain in full force and effect. The affected provision shall be replaced, to the extent permitted, by a valid provision that most closely approximates its intended purpose.

18.2 Applicable Law and Jurisdiction

These Terms and Conditions are governed by Swiss law, subject to any applicable mandatory provisions. Subject to mandatory jurisdiction provided by law, the courts at the registered office of Legal Testa shall have jurisdiction over any dispute arising from these Terms and Conditions or the Service.

18.3 Contact

Legal Testa Sàrl · Route de la Galaise 34 · 1228 Plan-les-Ouates · Switzerland
info@legal-testa.ch · 022 519 73 69 · legal-testa.ch