Effective Date: February 1, 2026
These Terms of Service (the “Terms”) govern access to and use of the services, platform, and reports provided by Missingwealth, a division of Escheatify Inc. (“Missingwealth,” “we,” “us,” or “our”). By accessing or using our services (the “Services”), you agree to be bound by these Terms.
Missingwealth provides a structured notification and inquiry service designed to assist estate representatives and their advisors in identifying potential assets and liabilities of a deceased individual by contacting financial institutions and other third parties.
You appoint Missingwealth as your limited agent solely for the purpose of transmitting notifications of death and requests for information to financial institutions and other relevant third parties on your behalf.
Missingwealth is not a centralized registry of financial accounts and does not have direct access to financial institution databases.
You represent and warrant that you are legally authorized to act on behalf of the estate, the deceased, or an authorized representative, and that you have obtained all necessary rights, consents, and permissions to provide information and request asset or liability confirmation.
You are solely responsible for the accuracy and completeness of all information submitted. Missingwealth is not responsible for errors resulting from inaccurate or incomplete data.
You agree to use the Services only in compliance with applicable laws and regulations, including privacy and estate administration laws.
Subject to these Terms, Missingwealth grants you a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the Platform for your internal business purposes.
Access is limited to authorized users under your account. You are responsible for all activities conducted under your credentials.
You may not:
The Services rely on responses and data provided by third parties, including financial institutions. Missingwealth does not control and is not responsible for third-party actions, omissions, or responses.
Missingwealth does not guarantee that notifications will be received, processed, or responded to by any institution.
Reports may include the following statuses:
Missingwealth does not independently verify the accuracy or completeness of any third-party response.
Fees are as specified in your order and are non-refundable once Services have commenced.
Canadian services are billed in CAD; U.S. services in USD unless otherwise specified.
You are responsible for all applicable taxes, duties, and withholdings.
Payments may not be withheld or reduced for any reason.
Your use of the Services is also governed by our Privacy Policy.
Missingwealth implements commercially reasonable administrative, technical, and organizational safeguards to protect data.
You acknowledge that no system is completely secure. Missingwealth does not guarantee that the Services will be free from unauthorized access, cyberattacks, or security breaches.
You are responsible for maintaining the confidentiality of your credentials and for securing your own systems.
Each party agrees to protect the other’s confidential information and use it solely for purposes of the Services, except where disclosure is required by law.
Missingwealth does not guarantee the identification of all assets or liabilities.
Missingwealth does not provide legal, financial, or fiduciary advice.
The Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, Missingwealth shall not be liable for any:
arising out of or related to the Services, even if advised of the possibility of such damages.
Missingwealth’s total aggregate liability arising out of or related to the Services shall not exceed the total fees paid by you to Missingwealth in the twelve (12) months preceding the event giving rise to the claim.
Missingwealth shall not be liable for damages arising from:
You agree to indemnify, defend, and hold harmless Missingwealth and its affiliates, officers, and employees from any claims, damages, or liabilities arising from:
Missingwealth may suspend or terminate access where reasonably necessary to:
Upon termination:
Neither party is liable for delays or failures due to events beyond reasonable control, including natural disasters, cyber incidents, government actions, or infrastructure failures.
You may not assign these Terms without consent. Missingwealth may assign in connection with a merger, acquisition, or sale of assets.
These Terms constitute the entire agreement between the parties.
Invalid provisions will be modified to reflect original intent.
These Terms are governed by the laws of Ontario, Canada.