Please read: These Terms are a legal agreement between you and Kality Ltd, the company that operates Estatitfy. By creating an account or using Estatitfy you agree to them. Nothing in these Terms removes any right you have under consumer protection law that cannot lawfully be excluded.
1. Who we are
Estatitfy, estatitfy.com, app.estatitfy.com and the Estatitfy iPhone app are provided by Kality Ltd, a company registered in Ghana. “Estatitfy” is a trading name and product of Kality Ltd. Your agreement is with Kality Ltd, trading as Estatitfy.
In these Terms, “we”, “us” and “our” mean Kality Ltd, and “you” means the person using Estatitfy.
Business address: House No F15 Manet Ville Spintex, Accra, Ghana
Email: hello@estatitfy.com
Phone/WhatsApp: 024 139 2599
2. About these Terms
These Terms apply to your use of the Estatitfy website at estatitfy.com, the web app at app.estatitfy.com, the Estatitfy iPhone app and any related services we provide (together, the “Service”).
Our Privacy Policy explains how we handle personal data and forms part of these Terms. If you use the iPhone app, the section “The iPhone app and Apple” also applies.
If you use Estatitfy on behalf of an organisation, trust, association or other body, you confirm that you are authorised to accept these Terms for it, and “you” includes that body.
3. Who can use Estatitfy
You must be at least 16 years old to create an account. If you are under the age of majority where you live, you confirm that you have any permission from a parent or guardian that the law where you live requires.
You must be able to enter into a binding agreement, and you must not be prohibited from using the Service under the laws that apply to you. Each account belongs to one person and is identified by one email address. You must not share your account with anyone else; invite them to the estate instead.
4. What Estatitfy is — and what it is not
Estatitfy is a record-keeping tool. It lets the people involved in a family estate, succession, trust or association keep a shared, permanent record of income, transfers, payouts, expenses, assets and the documents that support them.
Estatitfy:
- does not move money, make payments, hold funds, or act as a bank, payment service, escrow agent or trustee;
- does not connect to bank accounts or other financial institutions, and does not check what you record against any external source;
- does not give financial, investment, legal, tax, accounting or succession advice; and
- does not act as executor, administrator, trustee or legal representative of any estate.
Estatitfy only stores and displays what its users enter. Balances, totals and reports are calculated from those entries and are only as accurate as the entries themselves. Whether a record kept in Estatitfy is accepted by a court, tax authority, bank or anyone else depends on them and on the law that applies; we do not promise that it will be. For decisions about an estate, consult a qualified professional.
5. Price and future paid plans
Estatitfy is currently free to use.
We may introduce paid plans or paid features in the future. If we do, we will tell you in advance by email or in the Service, publish the prices and terms that apply, and give you at least 30 days’ notice before a paid plan is required for features you already use. We will never charge you without your express consent. Any payment terms, including who processes the payment, will be shown to you before you buy.
If you choose not to pay when a paid plan is introduced, the Owner of each estate will be able to export that estate’s data before any change takes effect.
6. Your account
To use Estatitfy you create an account with your email address, which is also your username, and a password. You must use an email address that you control, and keep your name and email address accurate.
Signing in works as follows:
- Password and email code. Every sign-in with a password also requires a one-time code that we send to your email address.
- Passkeys. You can add passkeys, which use Face ID, Touch ID or your device PIN. Signing in with a passkey does not require an email code.
- Stay signed in. If you choose this option on the web, your session can last up to 90 days and is renewed while you keep using it. The iPhone app always keeps you signed in this way. Do not use this option on a shared or public device.
We store passwords only as salted hashes, so we cannot see or recover your password. The private key of a passkey never leaves your device.
We do not offer sign-in with Google, Apple or other third-party accounts.
7. Keeping your account secure
You are responsible for activity carried out through your account. In particular, you must:
- choose a strong password that you do not use for any other service;
- keep your password, your one-time codes and the devices that hold your passkeys secure, and never share them;
- protect your email account, because access to it can help someone sign in to Estatitfy;
- remove passkeys from devices you no longer control, and sign out of devices that others use; and
- tell us promptly at hello@estatitfy.com if you believe someone has accessed your account without your permission.
We will never ask you for your password or a one-time code by email, phone or WhatsApp.
To the extent permitted by law, we are not responsible for losses caused by someone using your credentials because they were not kept secure, unless the loss was caused by our own failure to protect the Service.
8. Estates, roles and permissions
An estate is a workspace for one family estate, succession, trust or association. The person who creates an estate becomes its Owner. You can belong to several estates, and your role can be different in each.
Members can be invited to an estate by email with one of these roles: Administrator, Bookkeeper or Viewer. What each role can see and do is shown in the Service. Each estate has one Owner.
The Owner and the estate’s Administrators, who can also invite other members and Administrators, are responsible for:
- deciding who is invited to the estate and which role each person receives;
- making sure that everyone given access is entitled to see the estate’s financial records and documents;
- removing access promptly when a person should no longer have it;
- deciding what information the estate records, including information about beneficiaries and other people; and
- handling requests from members, beneficiaries and others about the estate’s records, as described in our Privacy Policy.
We do not verify who is legally entitled to act for an estate, and we do not decide disputes between members, heirs, beneficiaries or anyone else. Such disputes must be resolved by the people concerned or by the courts. We may act on a court order or other legally binding instruction that we are satisfied is genuine.
9. Invitations
When you invite someone, we send an email to the address you provide on your behalf. You confirm that the person has a genuine connection to the estate and that you are entitled to use their email address for this purpose.
Anyone who accepts an invitation must create their own account and agree to these Terms. Inviting someone does not give you any control over their account.
10. The journal is permanent
Records in an estate form an immutable journal. Entries — income, transfers between accounts, payouts to beneficiaries, expenses, asset purchases and sales, opening balances, and the proof documents attached to them — cannot be edited or deleted once recorded. A mistake is corrected by recording a new entry that reverses it; both the original entry and the reversal remain visible.
Each entry is linked to the previous one by a cryptographic hash chain, which makes any later tampering detectable. This is what makes the record trustworthy, and it means you should check an entry carefully before saving it.
Only the Owner can remove an estate’s journal, and only by deleting the whole estate.
11. Your content and your responsibilities
“Content” means anything that you or other members record or upload in Estatitfy, including journal entries, descriptions, names of accounts and assets, details of beneficiaries, and proof documents such as PDFs and photos.
You are responsible for the content you record and upload. You confirm that:
- it is accurate to the best of your knowledge and is not intended to mislead anyone;
- you have the right to record and upload it, including documents that belong to or concern other people;
- where it contains personal data about other people — such as beneficiaries, heirs or payees, who may have no Estatitfy account — you or the estate have a lawful reason to record it, and they will be given any information that data protection law requires;
- it does not break any law, court order or duty of confidentiality; and
- it does not infringe anyone’s intellectual property, privacy or other rights.
We do not review content before it is recorded, and we are not responsible for its accuracy or lawfulness. We may take action on content that we reasonably believe breaks these Terms or the law, as described in “Suspension and termination”.
12. Permission to host your content
You, or the estate, keep whatever rights you have in your content. You give Kality Ltd a worldwide, non-exclusive, royalty-free permission to host, store, copy, back up, process, transmit and display your content only as needed to provide, secure and support the Service, to follow the instructions of the estate and its members given through the Service, and to comply with the law.
This permission ends when the content has been permanently erased from our systems, including backups. We do not sell content and we do not use it for advertising.
13. Acceptable use
You must not use Estatitfy, or allow anyone else to use it, to:
- record, upload or share anything unlawful, including content that is fraudulent, defamatory, threatening or harassing, or that you have no right to share;
- record, disguise or facilitate money laundering, terrorist financing, tax evasion, sanctions evasion, bribery, fraud or the proceeds of crime;
- create false or misleading records intended to deceive heirs, beneficiaries, creditors, courts, tax authorities or anyone else;
- upload viruses, malware or any file designed to damage, disrupt or gain unauthorised access to a system, device or data;
- send invitations to people who have no genuine connection to the estate, send spam or bulk messages, or use invitations to harass anyone;
- access an account, estate or data that you are not authorised to access, or try to get around roles, permissions or security measures;
- probe, scan or test the vulnerability of the Service, or interfere with its operation, unless we have agreed to this in writing;
- access the Service by automated means other than the features and interfaces we provide, or place an unreasonable load on it;
- copy, modify, reverse engineer or create derivative works of the Service, except where the law expressly permits it;
- resell, sublicense or provide the Service to others as a commercial service without our written agreement; or
- impersonate another person, or misrepresent your authority to act for an estate or for anyone else.
If you become aware of misuse of the Service, please tell us at hello@estatitfy.com.
14. Exporting, transferring and deleting an estate
- Export. The Owner can export all of an estate’s data as a zip file, including its proof documents. Every member of the estate can download the journal as a spreadsheet (CSV).
- Transfer of ownership. The Owner can transfer ownership of the estate. Once the transfer is complete, the new Owner has the Owner’s rights and responsibilities under these Terms.
- Deletion. The Owner can delete an estate. All members lose access immediately. The Owner can restore the estate within 30 days. After 30 days, the estate’s data and files are permanently erased, and copies in our backups are deleted within 3 years.
Before deleting an estate, the Owner should consider whether members or others need a copy of its records and whether the law requires those records to be kept. Deleting an estate does not remove copies that have already been exported or downloaded.
15. Deleting your account
You can delete your account at any time in Settings, in the web app or in the iPhone app.
- Deletion removes your login and your personal account data.
- You cannot delete your account while you are the Owner of an estate. You must first transfer ownership or delete the estate.
- Journal entries you recorded remain part of the permanent records of the estates concerned. After deletion they are shown as recorded by “Former member”.
- Deleting your account does not remove information that an estate recorded about you, for example as a beneficiary. That information is controlled by the estate; see our Privacy Policy.
Some limited data is kept for a period after deletion, as described in the Privacy Policy.
16. Suspension and termination
You may stop using Estatitfy at any time.
We may suspend or restrict your access to the Service, to an estate or to particular content, or close your account, if:
- you seriously or repeatedly break these Terms;
- we reasonably believe it is necessary to protect the Service, other users, beneficiaries or anyone else, for example because an account appears to have been compromised;
- we are required to do so by law, a court order or a competent authority; or
- we reasonably believe the Service is being used for illegal activity, including any activity listed under “Acceptable use”.
Where reasonable and lawful, we will tell you why and give you an opportunity to respond or to fix the problem before we act. We may act without notice where there is a risk of harm, where the law prevents us from telling you, or where notice would compromise an investigation.
When we act against one member, we will take reasonable steps, where lawful, to avoid affecting other members of the estate who have done nothing wrong.
Sections of these Terms that by their nature should continue after your account ends — including those on content, intellectual property, disclaimers, limitation of liability, indemnity and governing law — continue to apply.
17. Availability and changes to the Service
We work to keep Estatitfy available and secure, but we do not promise that it will be uninterrupted, error-free or available at any particular time. We may need to carry out maintenance, and the Service may be affected by failures of networks, hosting or other services outside our control.
We may change, add or remove features. If a change removes a significant feature that you use, we will give you reasonable notice where practicable.
If we decide to stop providing Estatitfy altogether, we will give at least 60 days’ notice by email so that Owners can export their estates’ data.
Estatitfy is not a substitute for any record-keeping that the law requires of you. Owners should export estate data regularly and keep their own copies of important records.
18. Intellectual property
The Service, including its software, design, text, graphics, logos and the Estatitfy name, belongs to Kality Ltd or its licensors and is protected by intellectual property laws. Subject to these Terms, we give you a personal, non-exclusive, non-transferable and revocable permission to use the Service for its intended purpose. No other rights are granted.
You must not use the Estatitfy name or logo in a way that suggests we endorse you or your estate without our written permission.
19. Feedback
If you send us ideas, suggestions or other feedback, you allow us to use it freely and without any obligation to you. We will not publicly identify you as its source without your permission. Giving feedback does not give us any rights in your content.
20. Third-party services
The Service relies on third parties, including our hosting provider, Cloudflare for DNS, network security and traffic routing, and an email service that delivers sign-in codes, invitations and notices. The iPhone app is distributed through Apple’s App Store. Our Privacy Policy describes these providers.
Your use of third-party services — such as your email account, your device and its password manager, your mobile network or internet provider, and the App Store — is governed by their own terms. You are responsible for any data or network charges from your mobile or internet provider.
The Service may link to websites that we do not control. We are not responsible for their content or practices.
21. The iPhone app and Apple
If you download the Estatitfy app from Apple’s App Store, the following terms also apply. If anything in this section conflicts with the rest of these Terms, this section applies to your use of the iPhone app.
- Agreement with Kality Ltd only. These Terms are concluded between you and Kality Ltd only, and not with Apple Inc. (“Apple”). Kality Ltd, not Apple, is solely responsible for the app and its content.
- Scope of licence. Your licence to use the app is limited to a non-transferable licence to use it on any Apple-branded products that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions, except that the app may be accessed and used by other accounts associated with you through Family Sharing or volume purchasing.
- Maintenance and support. Kality Ltd is solely responsible for providing any maintenance and support services for the app, as described in these Terms or as required under applicable law. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the app.
- Warranty. Kality Ltd is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app, if any, to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the app, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty are Kality Ltd’s responsibility, to the extent not disclaimed in these Terms.
- Product claims. Kality Ltd, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession and use of it, including: (i) product liability claims; (ii) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy or similar legislation. These Terms do not limit Kality Ltd’s liability to you beyond what is permitted by applicable law.
- Intellectual property claims. If any third party claims that the app, or your possession and use of it, infringes that third party’s intellectual property rights, Kality Ltd, not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.
- Legal compliance. You represent and warrant that (i) you are not located in a country that is 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.
- Developer name and address. Questions, complaints or claims about the app should be sent to Kality Ltd, House No F15 Manet Ville Spintex, Accra, Ghana, using the contact details in “Contact” below.
- Third-party terms. You must comply with any applicable third-party terms when using the app, such as your wireless data service agreement.
- Third-party beneficiary. Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
22. Disclaimers
To the extent permitted by law, the Service is provided “as is” and “as available”. We do not give any warranty, express or implied, that the Service will meet your particular requirements, that balances and reports calculated from user-entered data are correct, or that records kept in the Service will satisfy any legal, tax, court or regulatory requirement.
Nothing in these Terms affects any right you have as a consumer that cannot be excluded or limited under the law that applies to you, such as a right to have a service provided with reasonable care and skill.
23. Limitation of liability
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.
Subject to that, and to the extent permitted by law:
- we are not liable for loss or damage that was not reasonably foreseeable when you started using the Service, or that was caused by events outside our reasonable control;
- we are not liable for loss or damage arising from content recorded by users, from decisions made in reliance on that content, from how an estate’s Owner or members use their roles, or from disputes between members, heirs, beneficiaries or others;
- we are not liable for loss or damage caused by your failure to keep your credentials, email account or devices secure, or to keep your own copies of important records;
- if you use the Service for business, professional or commercial purposes, we are not liable for loss of profit, revenue, business, goodwill, anticipated savings or data, or for any indirect or consequential loss; and
- our total liability to you arising out of or in connection with the Service in any 12-month period is limited to the amount you paid us for the Service in that period, which is nothing while Estatitfy is free.
24. Indemnity
To the extent permitted by law, you agree to compensate Kality Ltd and its directors, employees and agents for reasonable losses, costs (including reasonable legal fees) and liabilities arising from a claim by a third party that is caused by your content, your breach of these Terms or your misuse of the Service. This does not apply to the extent that the claim was caused by our own fault. We will tell you promptly about any such claim.
If you are a consumer, this section applies only to the extent that the law where you live allows it.
25. Events outside our control
We are not responsible for delay or failure to provide the Service caused by events outside our reasonable control, such as failures of power, internet or telecommunications networks, failures of hosting or other third-party providers, cyber-attacks we could not reasonably prevent, natural disasters, civil disturbance or government action. We will take reasonable steps to limit the effect of such events and to keep you informed.
26. Changes to these Terms
We may update these Terms, for example to reflect changes to the Service, the introduction of paid plans or changes in the law. The date at the top shows when they were last updated.
If a change materially affects your rights, we will tell you by email or in the Service at least 30 days before it takes effect, unless a change is needed sooner to comply with the law or to address a security risk. If you do not agree to a change, you can delete your account before it takes effect. If you continue to use the Service after the change takes effect, the updated Terms apply. A change to these Terms never, by itself, allows us to charge you without your consent.
27. Notices and communications
We send messages that are needed for the Service — such as one-time codes, invitations, security alerts and notices about your account, the estates you belong to, these Terms or the Service — to the email address on your account, or show them in the Service. These messages are part of the Service and cannot be switched off while you have an account.
You can send notices to us at hello@estatitfy.com or to our business address.
28. Governing law and disputes
These Terms, and any dispute or claim arising out of or in connection with them or the Service, are governed by the laws of the Republic of Ghana.
We would like the opportunity to resolve any problem directly. Please contact us first at hello@estatitfy.com and give us a reasonable opportunity to investigate. This does not affect any legal right or remedy available to you.
Subject to mandatory consumer rights or procedures, disputes that cannot be resolved informally are subject to the jurisdiction of the courts of Ghana.
If you are a consumer living outside Ghana, you keep the protection of any mandatory consumer protection rules of the country where you live, and you may be entitled to bring proceedings in the courts of that country. Nothing in these Terms takes away those rights.
29. General
- Entire agreement. These Terms and the Privacy Policy are the whole agreement between you and us about the Service.
- Severability. If a court finds any part of these Terms invalid or unenforceable, the rest of these Terms remains in effect.
- No waiver. If we do not enforce a right straight away, we can still enforce it later.
- Transfer. We may transfer our rights and obligations under these Terms to another organisation, for example as part of a reorganisation or sale of our business. We will tell you, and your rights under these Terms will not be reduced as a result. You may not transfer your rights or obligations without our written consent.
- Third-party rights. Except for Apple, as described in “The iPhone app and Apple”, no one other than you and Kality Ltd has any right to enforce these Terms.
- Language. These Terms are written in English. If we provide a translation, the English version prevails in case of any inconsistency, unless the law where you live requires otherwise.
30. Contact
Kality Ltd trading as Estatitfy
House No F15 Manet Ville Spintex, Accra, Ghana
Email: hello@estatitfy.com
Phone/WhatsApp: 024 139 2599