Trusted Person Authorization and Disclosure Agreement

Effective date: the date this version was published on this page.

Between: you (the "Owner") and Dark Ecommerce Labs, LLC, a Florida limited liability company, which operates WiseTomorrow ("WiseTomorrow", "we", "us").

Summary (not a substitute for the Agreement)

• You choose each Trusted Person, what they may receive, and the conditions for release. By authorizing a Trusted Person, you instruct WiseTomorrow to release the information you selected to that person when the conditions you chose have been met.
• Unless you choose to require supporting documents, release does not depend on whether you have died or become incapacitated. Unless you choose "only if I approve," the basic conditions are: the person asks, confirms their contact details, passes identity verification, we notify you and confirm that at least one notice was delivered, and your waiting period ends without you saying no. If you do not respond during the waiting period, for any reason, access opens.
• Identity and document checks lower the risk of fraud. They cannot remove it.
• WiseTomorrow does not decide who inherits, who is a beneficiary, or who has legal authority. Being a Trusted Person gives nobody legal authority.
• You can change or revoke your instructions at any time. Anything already released cannot be taken back.

1. What this Agreement is

1.1 Separate agreement. This Agreement is separate from, and in addition to, the WiseTomorrow Terms of Service (the "Terms") and Privacy Policy. You accept it separately, each time you authorize a Trusted Person, and again when you make a material change to a designation. If this Agreement conflicts with the Terms on how information is disclosed to a Trusted Person, this Agreement controls.

1.2 An online tool for your instructions. WiseTomorrow provides this Agreement and the Trusted People settings as an electronic service. You use it to give instructions about disclosing your stored information to people you choose, and about disclosure to fiduciaries (Section 10.3). To the extent a digital-assets law applies, such as Florida's Fiduciary Access to Digital Assets Act (Fla. Stat. ch. 740), you intend your instructions to be directions given through an "online tool" under that law. You can change or delete those directions at any time.

1.3 Your agreement is electronic. You agree that checking the required checkbox and confirming is your electronic signature. It has the same effect as a handwritten signature under the federal E-SIGN Act and applicable state electronic-transactions laws, including Fla. Stat. § 668.50.

2. Definitions

• "Trusted Person" means the individual you name in a designation. The designation identifies them by legal first and last name and email address, and optionally by mobile phone number and date of birth.
• "Designation" means your instruction naming one Trusted Person. It includes the Release Scope, Release Conditions and notice settings in effect for that person.
• "Release Scope" means the information WiseTomorrow is authorized to disclose to a Trusted Person (Section 4).
• "Release Conditions" means the requirements that must be met before disclosure (Section 5).
• "Waiting Period" means the period that applies to a Trusted Person under your settings: 72 hours, 7 days, 14 days or 30 days, or 24 or 48 hours if you use two-step verification and have a verified mobile number. It starts when WiseTomorrow sends your first notice about an Access Request.
• "Eligibility Delay" means the 7 days after you authorize a Trusted Person, or change their legal name or contact details, during which no Access Request from that person can go forward.
• "Access Request" means a request, made through WiseTomorrow's access process, by someone who says they are your Trusted Person.
• "Verification Procedures" means WiseTomorrow's then-current methods for matching a requester to a Designation and verifying their identity. These may use third-party providers (Section 7).
• "Grant" means WiseTomorrow's decision that the Release Conditions for an Access Request were met, which opens access to the Release Scope.

3. YOUR AUTHORIZATION AND INSTRUCTION

THIS SECTION IS YOUR INSTRUCTION TO WISETOMORROW. PLEASE READ IT CAREFULLY.

3.1 Designation. I intentionally designate the Trusted Person named in my confirmation. I confirm that I entered their legal name and contact details myself, and that they are correct to the best of my knowledge.

3.2 Instruction to disclose. I expressly direct and authorize WiseTomorrow to disclose the information within the Release Scope to the person WiseTomorrow reasonably believes, through its Verification Procedures, to be the Trusted Person I designated, once WiseTomorrow determines that the Release Conditions I selected have been reasonably satisfied.

3.3 Consent for legal purposes. I intend this instruction to be my lawful consent to that disclosure for every applicable law that requires a subscriber's or user's consent. This includes 18 U.S.C. § 2702 and state digital-assets and privacy laws. It also covers any personal information about other people that I have stored, to the extent I have the right to give that consent (Section 9.4).

3.4 Release is not tied to death or incapacity unless I require supporting documents. I understand that, unless I require supporting documents for a Trusted Person, WiseTomorrow does not check, and will not check, whether I have died or become incapacitated before releasing information. Unless I have chosen "only if I approve," if I do not stop an Access Request before the Waiting Period ends, for any reason, WiseTomorrow may release my information once the other Release Conditions are met. That includes being on vacation, being ill, not seeing the email or text message, or the email being filtered as spam. If I do require supporting documents, I understand that WiseTomorrow checks only whether they reasonably appear genuine and consistent with my account details, and does not decide whether I have in fact died or become incapacitated.

3.5 The instruction continues. I intend this instruction to remain in effect, including after my death or incapacity, until I change or revoke it under Section 8, my account is closed, or it is paused or ended under Section 15.2 of this Agreement or as the Terms permit (for example, if the service is discontinued).

4. Release Scope

4.1 Only what you select. For each Trusted Person, you choose which sections of your Wise Box they may receive. You may select all sections. When a Grant is made, the Trusted Person may view, and if you allow it download:

• (a) the sections you selected for them that are active (not archived and not deleted) when they view them;
• (b) the notes in those sections, including your "Start Here" note if you selected it;
• (c) the files in those sections that are available for viewing (photos, scanned documents, PDFs, office documents, text, audio and video files), with their titles and any notes attached to them; and
• (d) your first name or preferred display name.

4.2 Content added later. Items you add later to a selected section are included automatically. Sections you create later are included only if you turned on "Include new sections I create later" for that Trusted Person.

4.3 View only or view and download. For each Trusted Person you choose whether they may download files or only view them. Anything shown on screen can still be photographed or copied.

4.4 Your selections are recorded. Your selections are recorded with each authorization and each Grant. Widening what a Trusted Person may receive requires you to authorize them again (Section 8.1).

4.5 What is not included. Items in trash, deleted items, archived sections and sections you did not select are not shown. Your account password, billing details and access-request history are not shown. Your contact details are not shown, except your display name.

4.6 Use the preview. Use "Preview what they see" before confirming a Designation and whenever you add information. It shows what that Trusted Person would receive if a Grant were made at that moment.

4.7 Downloads are permanent. A Trusted Person who is allowed to download files can keep copies. WiseTomorrow cannot recall, delete or control a copy once it has been downloaded.

5. Release Conditions

5.1 What must always happen before disclosure. WiseTomorrow will not make a Grant unless all of the following have happened:

• (a) an Access Request was started through WiseTomorrow's access process (currently, from the web page reached by scanning your Wise Card);
• (b) the requester confirmed, with a one-time code, control of an email address or mobile number matching the Designation, and the Designation was authorized, active, not paused, and past its Eligibility Delay;
• (c) the requester completed identity verification, and the result met WiseTomorrow's Verification Procedures, including a match between the verified name and the legal name you entered and, if you entered a date of birth, between the verified date of birth and the one you entered;
• (d) WiseTomorrow sent you notice of the Access Request, and confirmed delivery of at least one notice to you (Section 6);
• (e) either the Waiting Period ended without you stopping the request, or you approved it earlier (if you allowed early approval for that Trusted Person);
• (f) any additional conditions you selected under Section 5.2 were met; and
• (g) the request was not denied, stopped, cancelled or placed on hold, and was not affected by any action under Section 7.5.

5.2 Additional conditions you may choose. For each Trusted Person you may also require one or more of the following:

• (a) Supporting documentation, such as a certified death certificate, a signed physician's statement that you cannot manage your affairs, or court papers (for example, a guardianship order or letters of administration). WiseTomorrow reviews it only for whether it reasonably appears genuine and consistent with your account details (Section 7.3). WiseTomorrow does not decide whether you have in fact died or become incapacitated. Supporting documents never shorten or replace the Waiting Period or the notices to you.
• (b) Manual review by WiseTomorrow staff before release. A reviewer checks only whether your conditions appear to have been met. A reviewer does not decide who is legally entitled to your information, and cannot make a Grant that your conditions do not allow.
• (c) Only if I approve. No Grant is made unless you approve the request from your account. If you choose this and you cannot approve, for example because of death or incapacity, that Trusted Person will not receive your information through WiseTomorrow.

5.3 Reasonable satisfaction. WiseTomorrow decides whether the Release Conditions have been reasonably satisfied by applying its Verification Procedures in good faith. That decision does not guarantee that the requester is who they claim to be (Section 7).

5.4 Minimum protections will not be weakened without your approval. WiseTomorrow may change its Verification Procedures from time to time. It may add checks, change providers, or strengthen requirements. However, it will not remove or weaken any requirement listed in Section 5.1, or any additional condition you selected under Section 5.2, for an existing Designation unless you confirm the change.

5.5 Early approval. If you allow early approval, you can approve a request before the Waiting Period ends only by signing in to your account and confirming your identity again. WiseTomorrow may require two-step verification before you can turn on early approval. Anyone who controls your WiseTomorrow account could approve a request early.

6. Notices to you before release

6.1 How we tell you. When an Access Request passes identity verification (and any review), WiseTomorrow sends a notice by email to the address on your account and by text message to your verified mobile number, if you have one. The notice tells you when access will open and gives you a way to stop the request. We send reminders during the Waiting Period, including shortly before access would open.

6.2 Notices to others. We also notify those of your other active Trusted People whom you have chosen to receive notices, and give those you have allowed to raise concerns a way to do so (Section 7.7). We send the Trusted Person in whose name the request was made a notice on a contact channel the requester did not use, with a "This wasn't me" link to report a request they did not make.

6.3 Confirmed delivery before automatic release. WiseTomorrow will not release information automatically at the end of a Waiting Period unless its systems have confirmed that at least one notice about the request was delivered to you by email or text message. If no delivery is confirmed, or a notice bounces and no other channel is confirmed as delivered, the request is placed on hold and reviewed instead of being released. "Confirmed delivery" means our email or text-message provider reported that the message was delivered to your email provider or mobile carrier. It does not mean that you opened or read it.

6.4 Delivery is not guaranteed. Email and text messages can be delayed, filtered as spam, or never seen. WiseTomorrow cannot guarantee that you will see a notice in time. You are responsible for keeping your email address and mobile number current, checking them, and making sure WiseTomorrow messages are not blocked.

6.5 Service interruptions. If an outage affects our notification systems or the Owner-facing app during a Waiting Period, we extend that Waiting Period by at least the length of the outage, and we do not release information automatically while those systems are not working properly.

7. Verification, reliance and our right to pause

7.1 Third-party providers. WiseTomorrow uses identity-verification providers. Currently this is Stripe, Inc., through its Stripe Identity service. The provider may ask the requester for a photo of a government-issued ID, a selfie or live image, and other information. It may use automated tools, including facial comparison, to check them. The provider's processing is described in the Privacy Policy and the Trusted Person Access Terms.

7.2 Verification is not infallible. I understand and accept that electronic identity and document verification reduces but cannot eliminate the risk of fraud or impersonation. In particular:

• (a) forged, altered or stolen identity documents, and synthetic or AI-generated images, may sometimes pass verification;
• (b) forged or altered supporting documents, such as a death certificate, may sometimes appear genuine;
• (c) a person with the same or a similar name as my Trusted Person, including a relative, may be able to pass a name-based match;
• (d) someone who controls my Trusted Person's email account or phone number may be able to start or complete a request; and
• (e) someone who controls my email account, phone number or WiseTomorrow account may be able to approve a request, change my Trusted People, or stop notices reaching me.

7.3 Good-faith reliance. In deciding whether the Release Conditions are met, WiseTomorrow may rely in good faith on:

• (a) my instructions and settings as recorded in my account;
• (b) the Designation details I entered;
• (c) information and documents the requester submits;
• (d) results and risk signals from identity-verification and fraud-prevention providers;
• (e) any document that reasonably appears genuine on its face; and
• (f) actions taken from my account or from links sent to my email address or mobile number.

WiseTomorrow has no duty to investigate beyond its Verification Procedures, and no duty to confirm that a document is legally valid.

7.4 More information. WiseTomorrow may ask a requester, me, or another Trusted Person for more information or documents at any time before a Grant.

7.5 Delay, denial, hold and escalation. WiseTomorrow may, in its reasonable discretion, delay, deny, pause, place on hold, or cancel an Access Request or Grant, or ask for a court order, if it reasonably believes any of the following:

• (a) there are signs of fraud, impersonation, account compromise or unusual activity;
• (b) verification results are inconclusive, flagged for review, or inconsistent;
• (c) another Trusted Person or someone else has raised a concern or a competing claim, or the Trusted Person reported that they did not make the request;
• (d) there has been a recent security event on my account, such as a password reset, a change of email address, or the removal of two-step verification;
• (e) disclosure may breach law, a court order, or legal process; or
• (f) the circumstances otherwise call for caution.

WiseTomorrow is not required to use this discretion in any particular case. Using it, or choosing not to, does not make WiseTomorrow responsible for deciding anyone's legal rights.

7.6 Competing claims. If people make competing claims to my information, or dispute a Trusted Person's right to receive it, WiseTomorrow may freeze the affected request until it receives something it reasonably considers sufficient. Examples: my own instruction given through my verified account; a written agreement signed by the people making claims; or an order from a court of competent jurisdiction. WiseTomorrow will not choose between claimants. A request that stays on hold for 90 days without progress may be stopped, with notice.

Competing claims include:

• a concern raised by one of my other Trusted People;
• an objection by someone who says they are my heir, beneficiary, personal representative or other fiduciary; and
• an allegation that I lacked capacity, or was under undue influence, when I gave these instructions.

7.7 My other Trusted People can pause a request. For each Trusted Person, I choose whether they are notified when another Trusted Person's request reaches the Waiting Period, and whether they may raise a concern. I understand that any Trusted Person I allow to raise concerns can pause a request. A pause may last until it is resolved under Section 7.6. This means that a Trusted Person acting in bad faith could delay a release I wanted.

8. Changing or revoking your instructions

8.1 How. You may, at any time, through your account:

• (a) remove or pause a Trusted Person;
• (b) change their details. Changing a Trusted Person's legal name, email address or phone number requires you to authorize them again and restarts the Eligibility Delay;
• (c) change what they may receive, their Waiting Period, early approval, additional conditions, and whether they are notified of other requests or may raise concerns. Widening what they may receive, shortening the Waiting Period, turning on early approval, or removing a condition requires you to authorize them again;
• (d) stop a pending Access Request;
• (e) revoke an active Grant;
• (f) revoke or replace your Wise Card; and
• (g) change your choice about disclosure to fiduciaries (Section 10.3).

You may also contact support@wisetomorrow.com. We will act on a support request only after verifying that it comes from you. We do not change your Trusted People, contact details or access settings through support unless you are locked out of your account, and then only after verifying your identity, waiting 7 days, and sending notice to every contact channel on file.

8.2 When a change takes effect. A change made in your account takes effect when WiseTomorrow's systems record it. A change requested through support takes effect when we have verified you, completed the steps in Section 8.1, and recorded the change.

8.3 Effect on requests already under way. When you remove or pause a Trusted Person, or change their legal name, email address or phone number, WiseTomorrow cancels their pending Access Requests and ends any active Grant for that person. When you revoke or replace your Wise Card, requests started with that card after it was revoked or replaced cannot go forward, and requests under way when you revoked or replaced it are stopped.

8.4 Completed disclosures cannot be undone. Revocation works going forward only. It does not undo, and WiseTomorrow is not responsible for, anything a Trusted Person viewed, downloaded, copied or shared before the revocation took effect.

9. Your responsibilities

9.1 Keep Designations accurate. Enter each Trusted Person's legal name as it appears on their government ID, plus contact details they actually control. Update them when anything changes. Remove anyone you no longer want to receive your information. An inaccurate name can cause a legitimate request to fail. Outdated contact details can let the wrong person start a request.

9.2 Periodic review. At least once a year, WiseTomorrow will ask you, by email and in your account, to review a summary of your Trusted People, what each would receive and the conditions that apply, and to confirm or update it. If you do not respond, your Designations stay in effect.

9.3 Protect your own accounts. Keep your WiseTomorrow password, your email account and your mobile number secure. We strongly recommend turning on two-step verification. Actions taken from your account or your email or text-message links will be treated as yours (Section 7.3(f)).

9.4 Information about other people and accounts. You are responsible for having the right to store any information you add and to direct its release. That includes personal information about others, and account numbers, passwords or access instructions for third-party accounts. Giving someone your passwords or login details may breach the terms of those accounts or the law, and a Trusted Person who uses them may be exposed to legal risk. WiseTomorrow does not advise on whether that is permitted.

9.5 Look after your Wise Card. Someone who has your Wise Card, or its web address, can start an Access Request. Revoke or replace a lost card promptly.

9.6 Tell your Trusted People (recommended). WiseTomorrow does not tell a person they have been designated until an Access Request involves them. You may want to tell them about your arrangements and how to reach WiseTomorrow.

10. What WiseTomorrow does not do

10.1 WiseTomorrow provides technology to store information and release it according to your instructions. WiseTomorrow does not:

• (a) decide whether anyone is an heir, beneficiary, personal representative, executor, trustee, guardian, agent or other fiduciary, or has any legal authority over you, your property, accounts, business or estate;
• (b) decide who should receive any property or share of an estate;
• (c) decide whether you have died or are incapacitated as a legal or medical matter;
• (d) decide disputes among family members, heirs, Trusted People or anyone else;
• (e) check whether any document you store (for example, a will, deed, policy or power of attorney) is valid, current, complete, enforceable or accurate;
• (f) give legal, tax, financial, insurance, medical or estate-planning advice; or
• (g) assess whether you have the mental capacity to give, change or revoke these instructions, or whether anyone influenced you. WiseTomorrow acts on instructions given through your account as described in this Agreement.

10.2 Being a Trusted Person confers no legal status. Designating someone does not make them your agent, fiduciary or representative. It does not give them any right to act for you. It does not replace a will, trust, power of attorney, beneficiary designation, advance directive or other legal instrument.

10.3 Your choice about disclosure to fiduciaries.

• (a) The choice. A "Fiduciary" means a person who is not acting as your Trusted Person but who gives WiseTomorrow documents showing that they are the court-appointed personal representative of your estate, or another fiduciary with legal authority over your digital assets, such as a conservator or guardian appointed by a court, a trustee of a trust that holds your digital assets, or an agent under a power of attorney. In your account settings you may choose one of the following:
  • Allow disclosure to a Fiduciary. WiseTomorrow may disclose your stored information to a Fiduciary to the extent applicable law permits, after receiving the documents that law requires (for example, a certified copy of your death certificate and letters of administration or another court order) and any other documents WiseTomorrow reasonably requests.
  • Do not allow disclosure to a Fiduciary. You prohibit WiseTomorrow from disclosing your stored information to a Fiduciary, to the extent applicable law allows you to prohibit that disclosure.
• (b) If you make no choice. WiseTomorrow handles a Fiduciary's request as applicable law provides, which may require WiseTomorrow to disclose some information.
• (c) Effect of your choice. You intend your choice to be a direction given through an online tool, with the effect that digital-assets laws give such a direction. For example, under Fla. Stat. § 740.003, a direction given through an online tool that lets you change or delete it at all times may override a contrary direction in a will, trust or power of attorney. You can change your choice at any time, and WiseTomorrow records each choice with the same kind of record described in Section 14.
• (d) Limits. Your choice does not change your Designations, which continue to operate under this Agreement. WiseTomorrow relies in good faith on documents that reasonably appear genuine and does not decide whether a person has been validly appointed. WiseTomorrow discloses to a Fiduciary only what applicable law requires or permits, and may ask for a court order before disclosing. Your choice does not prevent WiseTomorrow from complying with a court order or another legal duty (Section 10.4).

10.4 Other legal duties. WiseTomorrow may be legally required to disclose or withhold information independently of your Designations and your choice under Section 10.3. Examples: in response to a valid court order; to a personal representative or other fiduciary where a digital-assets law requires it despite your choice; or where disclosure would be unlawful. Such a disclosure or refusal is not a breach of this Agreement.

11. Assumption of risk

I understand the risks described in this Agreement and accept them. That includes the risks that:

• verification, including document review, may be defeated;
• notices may not reach me, or may be delivered but not seen;
• unless I choose "only if I approve," information may be released while I am alive and capable if I do not respond;
• released information cannot be recalled; and
• a Trusted Person may misuse what they receive.

I have chosen to use WiseTomorrow knowing these risks.

12. Limitation of liability

12.1 Cross-reference. The disclaimers, limitation of liability and dispute-resolution terms in the Terms apply to this Agreement.

12.2 Disclosure-specific limits. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WiseTomorrow is not liable for loss or harm arising from:

• (a) a disclosure made in good faith under this Agreement, including one to a person who deceived WiseTomorrow's Verification Procedures;
• (b) a delay, denial, hold or refusal under Section 7.5 or 7.6;
• (c) a notice that was sent but not received, read or acted on; or
• (d) anything a Trusted Person or Fiduciary does with information after it is disclosed.

12.3 What is not limited. Nothing in this Agreement limits or excludes liability that cannot be limited or excluded under applicable law. That may include liability for WiseTomorrow's gross negligence, fraud, or willful or intentional misconduct, for violating statutes that do not allow waivers, or for WiseTomorrow's failure to follow its own Verification Procedures or your recorded instructions, where the law does not permit that liability to be excluded.

13. Owner indemnity (narrow)

To the extent permitted by law, you will reimburse WiseTomorrow for reasonable losses and costs, including reasonable attorneys' fees, from third-party claims caused by:

• (a) your breach of Section 9.4 (information you had no right to store or direct be released); or
• (b) your knowingly false Designation information.

This Section does not apply to claims caused by WiseTomorrow's own negligence or misconduct.

14. Records and evidence

14.1 WiseTomorrow keeps a record of each Designation and each authorization. The record includes:

• the Agreement version and a fingerprint (hash) of the text you saw, and the versions of the Terms and Privacy Policy in effect;
• a fingerprint and copy of the exact confirmation you were shown, including the Release Scope, Release Conditions and notice settings;
• the Trusted Person details you entered;
• the checkbox you checked and how you confirmed your identity (for example, by re-entering your password);
• which of your email address and mobile number were verified at the time;
• the date and time;
• your account; and
• technical information such as IP address, device/browser information and session.

It also records Access Requests, verification outcomes (not ID images), supporting-document reviews, notices and their delivery status, concerns, approvals, denials, Grants, revocations, and what a Trusted Person viewed or downloaded. You agree these records may be used as evidence of your instructions and of what happened.

14.2 You can see your Designations, Access Requests and Grants in your account, and you can download a copy of your authorization and access-request history.

15. Changes to this Agreement

15.1 We may update this Agreement. Existing Designations stay governed by the version you accepted until you accept a new version. We will ask you to review and accept any change that materially affects how or when information is released, or to whom.

15.2 If you do not accept a materially changed version within 60 days after we ask, we may pause affected Designations. If we do, we will notify you by email.

16. Governing law and disputes

The governing law, venue and dispute-resolution provisions of the Terms apply.

17. No rights for Trusted People or others

This Agreement is an instruction from you to WiseTomorrow. It does not create any contract with, or promise to, your Trusted People or anyone else. No Trusted Person, heir, beneficiary or fiduciary is a third-party beneficiary of this Agreement. None of them may enforce it, or require WiseTomorrow to disclose or withhold information because of it, except where applicable law independently gives them that right.