Effective February, 2026
Introduction
Welcome to Life Backup Plan, provided by Galacxia, Inc., a Delaware corporation with its principal place of business in California (“Company”, “we”, “us”, “our”). These Terms of Use (“Terms”) govern your access to and use of our website (www.lifebackupplan.com) and mobile application (“App”), services, and products (“Services”). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use our Services.
Eligibility
You must be at least eighteen (18) years old, or the age of legal majority in your jurisdiction, to create an account and use our Services independently.
Individuals who are at least thirteen (13) years old but under eighteen (18) years old may use the Services only with the express consent and supervision of a parent or legal guardian. By permitting a minor to use the Services, the parent or legal guardian agrees to be bound by these Terms and is responsible for the minor’s use of the Services, including all financial charges and account activity.
We do not knowingly permit children under the age of thirteen (13) to create accounts or use the Services. If we become aware that a child under thirteen has provided personal information without verified parental consent, we will take steps to delete such information in accordance with applicable law.
Parental Consent Verification
If you are a parent or legal guardian permitting a minor to use the Services, you represent and warrant that you have the legal authority to provide such consent and that you will supervise the minor’s use of the Services. We reserve the right, in our sole discretion, to request reasonable verification of parental consent at any time and to suspend or terminate accounts where such verification cannot be provided.
Service Description
Parental Consent Verification
Life Backup Plan is a subscription-based service that provides tools for checking on individuals, providing emergency response, connecting with community resources, and monitoring and managing personal health data. Our Services are intended to support your health and wellness decisions and are not a substitute for professional medical advice, diagnosis, or treatment.
No Emergency Services
Life Backup Plan is not a medical provider, emergency response provider, or 911 replacement service. The Services are not designed for real-time emergency response. If you are experiencing a medical emergency or require immediate assistance, call 911 or your local emergency number immediately.
We do not guarantee response times or availability of any alerting, monitoring, or notification features.
Medical Disclaimer
The content provided through our Services, including all text, graphics, images, and information, is for informational purposes only and is not intended as medical advice. None of our content should be construed as medical advice or diagnosis. The Company is not a licensed medical provider, and our Services do not include the provision of medical care. The Company does not provide medical care or medical services in any capacity or jurisdiction.
Legal Information Disclaimer
The Services may provide general information regarding estate planning documents, advance directives, durable powers of attorney, healthcare proxies, guardianship designations, and other legal instruments. This information is provided for educational and organizational purposes only.
Galacxia, Inc. and Life Backup Plan are not law firms, do not provide legal advice, and are not licensed to practice law in any jurisdiction. Nothing within the Services should be construed as legal advice, legal representation, or a substitute for consultation with a qualified attorney.
You are solely responsible for consulting with a licensed estate planning attorney, healthcare attorney, or other qualified legal professional in your jurisdiction to determine which documents are appropriate for your personal circumstances.
No Warranty Regarding Legal Document Lists
The Services may provide state-specific or jurisdiction-specific lists of commonly used legal, healthcare, or estate planning documents. These lists are compiled based on publicly available information and industry-standard practices as of the time of publication.
We make no representations or warranties that any such list is complete, current, legally sufficient, or appropriate for your specific circumstances. Laws and requirements vary by state and are subject to change without notice.
Under no circumstances shall Galacxia, Inc. be liable for any loss, claim, or damage arising from reliance upon any document list or informational content provided through the Services.
You acknowledge and agree that obtaining appropriate legal guidance from a licensed professional in your state is your responsibility.
User Responsibilities
You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to use our Services only for lawful purposes and in accordance with these Terms.
Acceptable Use
You agree not to:
• Use the Services for any unlawful purpose;
• Upload or transmit false, misleading, or fraudulent information;
• Attempt to gain unauthorized access to any portion of the Services or related systems;
• Interfere with or disrupt the integrity or performance of the Services;
• Reverse engineer, decompile, or attempt to extract source code from the Services;
• Use the Services in a manner that could create liability for Galacxia, Inc.
We reserve the right to suspend or terminate accounts that violate this section.
Subscription Fees and Payments
Fees for our services are billed on a subscription basis and are subject to change with prior notice from us. Payment for these services will be charged to your chosen payment method when you purchase a subscription through Apple Store or Google Play Store.
Account Suspension and Termination
We may suspend or terminate your access to the Services at our sole discretion, with or without notice, if we believe you have violated these Terms or if your use of the Services poses legal, regulatory, or operational risk.
You may terminate your subscription at any time through the applicable app store platform. Termination does not relieve you of any payment obligations incurred prior to cancellation.
Intellectual Property Rights
All intellectual property rights in and to our Services are owned by or licensed to Galacxia, Inc. You may not use any content from our Services without our prior written permission.
Data Use and Privacy
We may collect and use your data according to our Privacy Policy. We reserve the right to provide de-identified and aggregate user data to public health officials or to sell or share such data on a case-by-case basis. We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your information. However, no system can be guaranteed to be 100% secure, and we do not warrant absolute security.
Our employees have passed a stringent background check and direct access to user data is restricted to the company executive team.
Health Information Safeguards
The Company implements administrative, technical, and physical safeguards designed to protect personal health information and align with applicable federal and state privacy regulations, including standards associated with the Health Insurance Portability and Accountability Act (HIPAA), where applicable.
However, the Company does not represent or warrant that it is a Covered Entity or Business Associate under HIPAA unless expressly agreed to in a separate written agreement.
Disclaimer of Warranties
The Services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, Galacxia, Inc. disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and reliability.
We do not warrant that the Services will be uninterrupted, secure, error-free, or free from viruses or other harmful components.
Community Resources
Galacxia, Inc. provides a matching service for community resources. We do not warrant these resources, verify their licensing, or endorse any services they provide. You are responsible for verifying the credentials and arranging services with these providers.
Force Majeure
Galacxia, Inc. shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, government actions, war, terrorism, labor disputes, internet or telecommunications failures, cyberattacks, or interruptions in cloud service providers.
Indemnification
You agree to defend, indemnify, and hold harmless Galacxia, Inc., its officers, directors, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to:
• Your use of the Services;
• Your violation of these Terms;
• Your reliance on informational content, document lists, healthcare guidance, or community resource listings;
• Your violation of any applicable law or the rights of a third party.
Limitation of Liability
To the fullest extent permitted by law, Galacxia, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, our Services.
This limitation includes, without limitation, any reliance on informational content, legal document lists, healthcare guidance, or community resource listings provided through the Services.
In no event shall Galacxia, Inc.’s total cumulative liability arising out of or relating to these Terms exceed the greater of (a) the amount you paid to us in the twelve (12) months preceding the event giving rise to liability, or (b) one hundred US dollars ($100).
Survival
The provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Intellectual Property Rights, Disclaimer of Warranties, Indemnification, Limitation of Liability, Dispute Resolution, and Governing Law.
Governing Law
These Terms are governed by the laws of the State of California without regard to its conflict of laws principles.
Venue
To the extent any dispute is not subject to arbitration, you agree that such dispute shall be brought exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of such courts.
Dispute Resolution and Binding Arbitration
Please read this section carefully. It affects your legal rights.
Except for claims that may be brought in small claims court or claims seeking injunctive relief, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.
Arbitration shall be conducted by a single arbitrator in the State of California, unless otherwise required by applicable law. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
You understand and agree that by agreeing to arbitration, you are waiving your right to a trial by jury.
Nothing in this section limits either party’s right to seek temporary injunctive relief in a court of competent jurisdiction.
The Company will pay filing, administration, and arbitrator fees to the extent required by applicable consumer arbitration rules.
Class Action Waiver
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against Galacxia, Inc.
If this class action waiver is found unenforceable, then the arbitration provision shall be deemed null and void.
Changes to Terms
We reserve the right to modify these Terms at any time. All changes are effective immediately when we post them and apply to all access to and use of our Services thereafter.
Contact Us
If you have any questions about these Terms, please contact us at founder@lifebackupplan.com.