We are Armbruster Holdings LLC, doing business as Curateur ("Company," "we," "us," "our"), a company registered in New York, United States, at 418 Broadway, Ste N, Albany, NY 12207.
We operate the website https://curateur.ai (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").
Curateur is a web-based software application that helps families organize and complete the administrative tasks that follow the death of a loved one.
You can contact us by phone at 914-458-3502, email at hello@curateur.ai, or by mail to 418 Broadway, Ste N, Albany, NY 12207, United States.
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Armbruster Holdings LLC, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.
We will provide you with prior notice of any material changes to these Legal Terms by email at the address associated with your account. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.
The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.
We recommend that you print or save a copy of these Legal Terms for your records.
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).
We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").
Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.
The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.
Subject to your compliance with these Legal Terms, including the "Prohibited Activities" section below, we grant you a non-exclusive, non-transferable, revocable license to:
solely for your personal, non-commercial use.
Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to hello@curateur.ai.
We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.
If you send us a question, comment, suggestion, or idea about the Services ("Feedback"), you agree that we may use that Feedback for any purpose without compensation or acknowledgment to you.
Feedback does not include the documents, estate details, or notes you enter into the Services. Those remain yours, and are governed by the section "Your Content, Document Vault, and Sharing" below.
By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation.
You further represent that, where you upload documents or enter information concerning another person, living or deceased, you have the legal authority or the permission of those involved to do so.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).
You may be required to register to use the Services. Because the Services use email-based sign-in links, you are responsible for maintaining the security of the email account associated with your Curateur account, and for all use of your account. Please notify us promptly at hello@curateur.ai if you believe your account has been accessed without your authorization.
Annual access pass. A $49 payment provides 12 calendar months of full Curateur access. Full access includes paid AI guidance, letter drafting, the higher paid chat allowance, document uploads and analysis, and the other features described at purchase. This is a non-renewing access pass, not a subscription. We do not automatically charge you again.
Read-only period. After full access ends, your account enters a 12-calendar-month read-only period. During that period you can sign in, view saved task content, download and delete documents, export your content, and disable share links. New document uploads, document analysis, and paid AI guidance are unavailable. Chat may remain available at the free daily allowance.
Renewal. You may choose to buy another 12 months of full access when renewal is offered. An early renewal extends from your existing access-through date; a renewal after expiration starts from the purchase date. Renewal pricing may change, but changes do not affect access already purchased.
Accepted payment methods. We accept Visa, Mastercard, American Express, and Discover. All payments shall be in US dollars.
You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time, though a change in price will not affect access you have already purchased.
You agree to pay all charges at the prices then in effect for your purchases, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.
Payment processing. Payments are processed by Stripe. We do not receive or store your full payment card details. Stripe's handling of your payment information is governed by its own terms and privacy notice, available at stripe.com/privacy.
Refunds. If the Services are not right for you, you may request a full refund within 30 days of your purchase by emailing hello@curateur.ai. You do not need to provide a reason. We will process approved refunds to the original payment method. After 30 days, refund requests are considered at our discretion. If you have a billing concern, please contact us before disputing a charge with your bank so that we have the opportunity to resolve it directly.
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
As a user of the Services, you agree not to:
The Services are not a public platform. Curateur does not offer users the ability to post content publicly or to other users generally. The documents, estate details, notes, and other information you provide ("Your Content") are private to your account, except where you deliberately create a share link as described below.
You own Your Content. We do not claim ownership of Your Content and we do not assert any intellectual property rights over it.
Limited permission to operate the Services. You grant us only the narrow permission we need to run the Services for you: to store, encrypt, transmit, and process Your Content in order to provide the features you request, including generating your task list, drafting correspondence, and — where you choose to use document analysis — extracting relevant facts from documents you submit. We do not use Your Content to train artificial intelligence models, we do not sell it, and we do not use it for advertising. We use service providers, including Anthropic, to process Your Content on our behalf under the terms and data controls applicable to those services. This permission ends when you delete the relevant content or your account, subject to legally permitted retention, service-provider retention, and routine backups that remain until overwritten or deleted.
Encryption. Documents you upload to your Curateur vault are encrypted at rest. Decryption occurs when you access them through your authenticated account, or when you specifically request an optional feature that requires processing a document's contents.
Keep your own copies. Curateur is a convenience tool, not a system of record and not a substitute for safekeeping your original documents. Many estate documents — such as original wills, certified death certificates, and letters testamentary — have independent legal significance and may be difficult or impossible to replace. You should retain your own originals and copies of anything important, and you should not rely on the Services as your only copy.
Shared task lists. The Services allow you to generate a link that gives another person read-only access to a task list. If you create such a link, you are choosing to disclose that information. The link is not password-protected, so anyone who obtains it may be able to view the task list, and it remains active until you turn it off. You can stop sharing at any time from within the Services, which disables the existing link immediately; generating a new link also replaces and disables the previous one. Please share these links only with people you intend to have access.
Curateur uses artificial intelligence to generate task guidance, letter drafts, explanations, and document summaries based on information you provide. This content is generated automatically and may contain errors, omissions, or information that is out of date or inapplicable to your situation. Probate and estate rules vary by state and change over time.
Curateur is not a law firm, accounting firm, or financial advisory service, and nothing provided through the Services constitutes legal, tax, financial, or professional advice. No attorney-client or fiduciary relationship is created by your use of the Services. You are solely responsible for verifying the accuracy of any AI-generated content before relying on it or sending it to a third party, and for consulting a licensed attorney, accountant, or financial advisor for guidance specific to your situation. Deadlines in estate administration can carry serious consequences, and you should not rely on the Services to identify or meet them. Curateur is not liable for any actions taken or not taken based on content generated by the Services.
Core features such as task generation, chat, explanations, and letter drafting require AI processing to function. Document analysis is optional. If you do not wish to have your information processed by AI, do not use AI-powered features and contact us if you wish to request deletion of your account.
The Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as content belonging to or originating from third parties ("Third-Party Content"). We rely on third parties including Stripe (payments), Anthropic (AI processing), Resend (email delivery), and Replit (hosting).
Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in them. Inclusion of, linking to, or permitting the use of any Third-Party Websites or Third-Party Content does not imply approval or endorsement by us. If you decide to access Third-Party Websites, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services.
We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms; (3) refuse, restrict access to, or limit the availability of any material you submit that violates these Legal Terms; (4) remove from the Services or otherwise disable files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
We care about data privacy and security. Please review our Privacy Notice: https://curateur.ai/privacy. By using the Services, you agree to be bound by our Privacy Notice, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.
These Legal Terms shall remain in full force and effect while you use the Services.
Termination by you. You may stop using the Services at any time and may request deletion of your account and Your Content by emailing hello@curateur.ai.
Termination by us. WE RESERVE THE RIGHT TO DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES) TO ANY PERSON WHO BREACHES ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR ANY APPLICABLE LAW OR REGULATION, OR WHOSE USE POSES A SECURITY OR LEGAL RISK, OR WHERE WE ARE REQUIRED TO DO SO BY LAW. Except where immediate action is necessary, we will give you notice and, where practicable, a reasonable opportunity to correct the problem. Before deleting an account for breach, we will where practicable give you an opportunity to export Your Content.
If we terminate paid access without cause before the purchased full-access term ends, we will provide an appropriate prorated refund, except where prohibited or otherwise required by law.
If we terminate or suspend your account for breach, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion. However, we have no obligation to update any information on our Services.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems, or need to perform maintenance, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, or suspend the Services at any time without notice to you. You agree that we have no liability for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime.
If we discontinue the Services. If we decide to permanently discontinue the Services, we will give registered users at least 60 days' advance notice by email, and the export feature described in Section 20 will remain available throughout that period where practicable.
These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of New York applicable to agreements made and to be entirely performed within the State of New York, without regard to its conflict of law principles. Nothing in these Legal Terms deprives you of the protections of the consumer protection laws of the state in which you reside.
To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party. Please write to us at hello@curateur.ai.
If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the American Arbitration Association website. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Albany, New York, or, at your election, by telephone or videoconference or in the county where you reside.
You may opt out of this arbitration agreement by emailing hello@curateur.ai with the subject line "Arbitration Opt-Out" within 30 days of first accepting these Legal Terms. Opting out will not affect any other part of these Legal Terms or your use of the Services.
The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. Either Party may also bring an individual claim in small claims court if it qualifies. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction below.
In no event shall any Dispute brought by either Party related in any way to the Services be commenced more than one (1) year after the cause of action arose, except where applicable law does not permit such a limitation. If for any reason a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Albany, New York, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Legal Terms.
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.
THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT MADE AVAILABLE VIA THE SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
IN NO EVENT WILL WE OR OUR OWNERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US.
Nothing in these Legal Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, gross negligence, or willful misconduct. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) your use of the Services; (2) your breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights, or your uploading of content you did not have the right to upload; or (5) any overt harmful act toward any other user of the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.
We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for maintaining your own copies of anything important. You agree that, to the fullest extent permitted by law, we shall have no liability to you for any loss or corruption of such data.
Exporting your content. Because we ask you to keep your own copies, we give you a way to do so. The Services include a self-serve export that produces a single archive containing your uploaded documents in their original formats, together with your task lists, progress, and notes. The exported files are ordinary files that open in standard software and do not depend on Curateur. You do not need to ask us or wait for a shutdown to use it. We encourage you to export your content periodically and keep a copy somewhere safe. Note that the export archive itself is not encrypted, so store it securely.
Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records.
If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.
These Legal Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time, provided the recipient agrees to honor these Legal Terms. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.
In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: