Last updated: May 9, 2026 · Effective: May 9, 2026
Clarmont is a digital estate planning vault operated by Polsia Inc. ("we," "us," or "our"). The Service lets you ("you" or "User") store and organize sensitive information — including passwords and login credentials, identity documents, financial account details, photos, subscription accounts, and cryptocurrency wallet information — in an encrypted vault accessible only to you and people you explicitly designate.
Clarmont also provides beneficiary access management: you can designate trusted contacts ("Beneficiaries") and control which items they can access, either immediately or only after an inactivity event is confirmed through our check-in system.
By creating an account or using the Service, you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service.
You must be at least 18 years old to create a Clarmont account. By registering, you represent that you meet this requirement and that all information you provide is accurate and complete.
You must provide a valid email address and create a secure password. You are responsible for maintaining the confidentiality of your login credentials. We never store your plaintext password — passwords are hashed with bcrypt before storage.
Each account is for a single individual. Premier plans provide additional storage capacity for a single account holder — they do not create separate login accounts for family members. Beneficiary access is managed through the designated Beneficiary system, not shared credentials.
Clarmont offers two plan tiers, each available as a one-time lifetime purchase or an annual subscription:
| Plan | Lifetime | Annual | Storage |
|---|---|---|---|
| Standard | $59 one-time | $24 / year | 2 GB |
| Premier | $119 one-time | $48 / year | 10 GB |
All payments are processed by Stripe, Inc. By completing a purchase, you agree to Stripe's terms of service. We do not store your card number or full payment credentials — only your Stripe customer reference and subscription status.
Lifetime purchases grant you access to the Service for the duration that Clarmont operates. "Lifetime" means the life of the product, not your personal lifetime. We intend to operate the Service indefinitely; however, in the event of service discontinuation, we will provide at least 90 days' notice.
Annual subscriptions renew automatically on the anniversary of your purchase date. You may cancel at any time from your account settings. Cancellation takes effect at the end of your current billing period — you will retain access through the period you've paid for.
Lifetime purchases are non-refundable. Annual subscriptions are eligible for a full refund within 14 days of purchase if you have not used the Service to store any vault contents. After 14 days or first use, annual subscriptions are non-refundable for the current period.
To request a refund, contact us at lifelocker@polsia.app.
Prices shown are in USD and exclusive of applicable taxes. You are responsible for any sales tax, VAT, or similar charges applicable in your jurisdiction.
Each plan includes a maximum file storage allocation:
Storage limits apply to uploaded files and documents (PDFs, images, Word documents, and other attachments). Text-based vault entries — such as credentials, notes, crypto wallet details, and beneficiary records — do not count toward your storage limit.
If you exceed your storage limit, you will not be able to upload new files until you free space or upgrade your plan. Existing vault contents are not deleted when limits are reached.
You agree to use Clarmont only for lawful purposes and in accordance with these Terms. You must not:
We reserve the right to suspend or terminate accounts that violate this policy, without prior notice in cases of serious violations.
You retain full ownership of all content you upload to your vault — documents, passwords, photos, notes, and any other data ("Your Content"). By uploading content, you grant Clarmont a limited, non-exclusive license solely to store, encrypt, and serve Your Content back to you and your designated Beneficiaries as part of providing the Service. We do not claim any ownership over Your Content.
Clarmont, including the software, design, branding, and all associated materials, is owned by Polsia Inc. and protected by applicable intellectual property laws. These Terms do not grant you any ownership rights in the Service. The name "Clarmont," the shield logo, and associated branding are trademarks of Polsia Inc.
If you submit feedback, ideas, or suggestions about the Service, you grant us a perpetual, worldwide, royalty-free license to use such feedback without any obligation to compensate you.
Your privacy matters. Our full data practices are described in the Privacy Policy, which is incorporated into these Terms by reference. Key points:
Files are stored on Cloudflare R2 infrastructure. Account data is stored on Neon PostgreSQL in the United States. All data in transit uses TLS 1.3.
By using the Service, you consent to the collection and use of information as described in our Privacy Policy.
Clarmont's beneficiary system allows you to designate trusted contacts who may access specified vault contents under conditions you define. Understanding how this works is critical — please read this section carefully.
You may add Beneficiaries to your account and grant them access to specific documents, credentials, or crypto wallet entries on a per-item basis. You choose the access mode for each Beneficiary:
Beneficiaries receive an invitation email and must actively accept their designation. Accepting an invitation does not grant immediate access to vault contents — it only confirms their contact information and establishes them as a trusted contact in your vault.
To access vault contents, a Beneficiary must submit an access request, which may include identity verification and a written statement. For after-death access, requests are reviewed manually (where applicable) or processed automatically when the check-in trigger fires. We reserve the right to require identity verification from Beneficiaries before granting access.
Beneficiaries who receive access to vault contents agree that they will use such access only for the purpose for which it was granted — managing the account holder's estate and affairs — and not for unauthorized, commercial, or malicious purposes.
Clarmont includes an optional inactivity check-in system (the "Check-In Feature") designed to detect when you may be unable to manage your own affairs and to notify your Beneficiaries accordingly.
When enabled, the Check-In Feature sends periodic check-in emails on a schedule you configure. You confirm your activity by logging in or clicking a confirmation link. If you do not confirm within the configured timeframe, the system escalates through the following ladder:
The Check-In Feature is opt-in. You configure the check-in cadence (how often), the grace period (how long you have to respond), and whether to enable escalation to Beneficiaries. You are responsible for setting these parameters appropriately and for ensuring you respond to check-in emails when you are active.
While we make commercially reasonable efforts to send check-in and escalation emails, we cannot guarantee delivery due to factors outside our control, including email filtering, server downtime, or incorrect contact information. We are not liable for missed check-in notifications or failures in the escalation ladder caused by such factors.
If the Check-In Feature triggers erroneously (e.g., you were unreachable while traveling), you may confirm your activity at any time to reset the check-in cycle. Contact us at lifelocker@polsia.app if Beneficiaries were incorrectly notified — we will work with you to communicate the error to affected contacts.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, POLSIA INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF DATA, LOSS OF PROFITS, OR FAILURE OF BENEFICIARY NOTIFICATION — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM. FOR LIFETIME PURCHASES, THIS CAP IS THE ORIGINAL PURCHASE PRICE.
We strongly recommend maintaining offline backups of any critical information you store in your Clarmont vault. While we use enterprise-grade infrastructure and backup systems, no cloud service is immune to catastrophic failure. Do not rely on Clarmont as your sole copy of irreplaceable data.
You may delete your account at any time from your account settings or by contacting us at lifelocker@polsia.app. Upon account deletion:
We may suspend or terminate your account if you:
In cases of serious violations (fraud, illegal activity, security threats), we may terminate your account without notice. In other cases, we will provide at least 7 days' written notice to your registered email before termination.
Upon termination, your right to access the Service ceases immediately. Provisions of these Terms that by their nature should survive termination — including intellectual property, limitation of liability, and dispute resolution — shall survive.
These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law principles.
Before initiating any formal dispute, you agree to contact us at lifelocker@polsia.app and give us 30 days to attempt to resolve the issue informally. Many disputes can be resolved this way quickly.
If informal resolution fails, any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in English, and the arbitral award shall be final and binding.
You agree to resolve disputes with us individually and not as a plaintiff or class member in any class action or representative proceeding.
Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction for violations of intellectual property rights or security-related matters.
We may update these Terms from time to time. When we make material changes, we will:
Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of the new Terms. If you do not agree to the updated Terms, you should stop using the Service and may request account deletion.
We will not retroactively change material terms (such as pricing or refund policy) for existing lifetime purchases without explicit consent.
Clarmont is operated by Polsia Inc. Questions, concerns, or notices regarding these Terms should be sent to:
For privacy-specific inquiries, see our Privacy Policy. For security disclosures, please use the contact email above and include "Security Disclosure" in the subject line.