Effective Date: September 14, 2026 · Last Updated: September 14, 2026
These Terms of Use (“Terms”, “Terms of Use” or “Agreement”) govern your access to and use of the MyLifeVault website, web application, mobile application, software, features, products and services provided by Vantageflow Technologies Private Limited (“Vantageflow”, “Company”, “we”, “us” or “our”). MyLifeVault may be referred to as the “Platform”, “Service” or “MyLifeVault” in these Terms.
By accessing, registering for, downloading, installing or using MyLifeVault, you acknowledge that you have read, understood and agreed to be bound by these Terms. If you do not agree to these Terms, you must not access or use MyLifeVault.
These Terms constitute an electronic record and may be accepted electronically without a physical or digital signature, subject to applicable law.
These Terms should be read together with:
You may use MyLifeVault only if you are at least 18 years old and legally capable of entering into a binding agreement under applicable law.
By using MyLifeVault, you represent that:
If you are accessing MyLifeVault on behalf of another person, family member, organization or legal entity, you represent that you have appropriate authority to do so.
MyLifeVault is a personal information and digital organization platform designed to help users organize, store, manage and access information and documents.
Depending on the version and plan available to you, MyLifeVault may provide functionality including: document upload and storage; document categorization; document search; document viewing and retrieval; personal information management; family or dependent information management; reminders; important-date tracking; financial information organization; document metadata; notes; dashboards; notifications; document scanning; OCR or automated extraction; AI-assisted features; secure sharing; account and access management; subscription services; and other features introduced from time to time.
Vantageflow reserves the right to add, modify, suspend or discontinue features in accordance with these Terms and applicable law.
Your use of MyLifeVault constitutes your acceptance of these Terms. Where MyLifeVault presents an explicit acceptance mechanism, such as “I Agree”, “Accept”, “Continue”, account registration, subscription confirmation, or another equivalent mechanism, your action will constitute acceptance of the applicable terms.
If you use the Platform after the Terms have been updated, your continued use may constitute acceptance of the updated Terms, subject to applicable legal requirements. Where applicable law requires affirmative consent or notice for a material change, Vantageflow will provide such notice or obtain such consent as required.
Certain features may require you to create an account. You agree to provide information that is accurate, complete and reasonably current. You must not: create an account using another person's identity without authorization; impersonate another person; provide false identity information; create an account for unlawful purposes; create multiple accounts to circumvent restrictions; or allow unauthorized persons to access your account.
Vantageflow may require identity or account verification where reasonably necessary for security, fraud prevention, compliance or service functionality.
You are responsible for maintaining the security of your account and authentication credentials. Depending on the authentication methods supported by MyLifeVault, this may include passwords, one-time passwords, email authentication, mobile authentication, Google or other identity-provider authentication, multi-factor authentication, passkeys, device authentication, or other security mechanisms.
You must: protect your authentication credentials; keep your registered email and/or mobile number secure; not share passwords or authentication codes; use appropriate device security; promptly report suspected unauthorized access; and take reasonable measures to prevent unauthorized access to your account.
You remain responsible for activity performed through your account unless you have promptly reported unauthorized access and applicable law provides otherwise.
For purposes of these Terms, “User Content” means information, documents, files, images, photographs, records, text, notes, metadata and other material that you upload, submit, create, store or otherwise make available through MyLifeVault.
You retain your rights in User Content to the extent you lawfully possess such rights. Nothing in these Terms transfers ownership of your User Content to Vantageflow merely because you use MyLifeVault.
However, you grant Vantageflow the limited rights necessary to: host, store and transmit User Content; reproduce User Content as technically necessary; process User Content to provide requested functionality; create backups where applicable; perform security and fraud-prevention operations; troubleshoot and maintain the Platform; and otherwise process User Content as necessary to provide the Service, in accordance with these Terms and the Privacy Policy.
You are solely responsible for User Content that you upload, store, transmit, share or otherwise make available through MyLifeVault. You represent and warrant that: you have the necessary rights or lawful authority to use the User Content; your User Content does not knowingly violate applicable law; you have obtained any required consent for third-party information; your use of the User Content through MyLifeVault does not infringe another person's rights; and you will not use MyLifeVault to unlawfully process another person's personal information.
Vantageflow does not generally verify the authenticity, ownership, accuracy, completeness or legality of User Content.
If you upload or store information belonging to another person, you are responsible for ensuring that you have a lawful basis and appropriate authorization or consent where required. This may include information relating to a spouse or partner, parents, children, dependants, relatives, employees, customers, clients, contractors, or other individuals.
You must not use MyLifeVault to unlawfully collect, store, process or disclose another person's personal information.
You must not use MyLifeVault to upload, store, transmit or distribute content that: is unlawful; facilitates unlawful activity; infringes intellectual-property rights; violates privacy rights; contains malicious software, malware, ransomware or other harmful code; facilitates fraud or identity theft; facilitates unauthorized access to systems; is intended to impersonate another person; is used for harassment or abuse; violates applicable court or government orders; contains unlawful threats; is otherwise prohibited by applicable law; or materially interferes with the operation or security of MyLifeVault.
Attempt to access another user's account, information, systems, databases or infrastructure without authorization.
Attempt to bypass authentication, encryption, access controls, rate limits, security controls or other technical safeguards.
Reverse engineer, decompile, disassemble or attempt to derive source code from MyLifeVault except to the extent expressly permitted by applicable law.
Use bots, crawlers, scrapers, scripts or automated processes in a manner that excessively burdens the Platform, circumvents access controls, extracts data without authorization, or interferes with normal operation.
Attempt to discover or exploit vulnerabilities for malicious purposes. Security researchers should follow the responsible-disclosure process published in the MyLifeVault Security & Responsible Disclosure Policy.
Use MyLifeVault to commit, facilitate or conceal fraud, identity theft, financial crime or other unlawful conduct.
Attempt to disrupt, overload, damage or impair MyLifeVault or its supporting infrastructure.
MyLifeVault may provide digital document storage. You acknowledge that: stored documents remain subject to technical limitations; file formats may not always be supported; files may become corrupted; uploads may fail; services may become temporarily unavailable; storage limits may apply to your plan; file-size limits may apply; certain content may be restricted for security or legal reasons; and access may depend on your account remaining active and compliant with these Terms.
You are responsible for maintaining appropriate independent copies of documents that are particularly important.
MyLifeVault is not a government authority, certification authority, notary, registrar, court or document-verification authority. Uploading or storing a document does not establish that the document is authentic, genuine, valid, current, legally enforceable, legally binding, complete, or issued by the purported authority. Where legal validity or authenticity matters, you should verify the document with the relevant issuing authority or qualified professional.
Unless expressly stated in a particular plan or service agreement, Vantageflow does not guarantee permanent retention of User Content. Retention may be affected by account status, subscription status, storage limits, deletion requests, legal requirements, security requirements, service changes, technical limitations, or termination of the account. The Privacy Policy describes applicable personal-data retention practices. Where appropriate, Vantageflow may provide reasonable mechanisms for users to download or export their User Content.
Vantageflow may maintain technical backups for operational, security, disaster-recovery or business-continuity purposes. Backups are not intended to replace a user's own independent backup strategy. Deletion of content from an active account may not result in immediate deletion from all technical backup systems where retention is required for legitimate operational, security, legal or compliance purposes. Such backup data will be handled in accordance with applicable law and the Privacy Policy.
MyLifeVault may provide reminders and notifications based on information supplied or configured by you. You acknowledge that notifications are a convenience feature and not a guarantee that you will receive notice of an event or deadline. Vantageflow is not responsible for missed deadlines or obligations solely because a reminder was not created, contained incorrect information, was delayed, was not delivered, was filtered, was disabled, was blocked by your device, was affected by a network failure, or was affected by a third-party notification service.
You remain responsible for monitoring your own legal, financial, contractual, tax, insurance, medical and other obligations.
MyLifeVault may include artificial intelligence, machine learning, OCR, automated classification, extraction, summarization or other automated functionality. Such functionality may produce inaccurate or incomplete results. You agree not to treat automated outputs as authoritative without appropriate verification. Where an automated feature generates information from your documents, the underlying document should remain the primary reference. Vantageflow does not guarantee that automated results will be accurate, complete, current, unbiased, error-free, or suitable for a particular purpose.
MyLifeVault may rely on or integrate with third-party services, including identity providers, authentication services, cloud infrastructure, cloud storage, payment processors, email providers, SMS providers, push-notification services, analytics providers, AI providers, OCR providers, security services, customer-support platforms, and other technology providers. Your use of a third-party service may also be subject to that provider's terms and privacy policy. Vantageflow does not control third-party services and does not guarantee their availability or performance.
Where you choose to authenticate through a third-party identity provider (for example, Google Sign-In), you authorize the applicable provider to authenticate your identity in accordance with the permissions and settings applicable to that service. If the third-party provider becomes unavailable or terminates the relevant authentication service, access to MyLifeVault may be affected. You remain responsible for maintaining access to any account or authentication method required to access MyLifeVault.
Certain MyLifeVault features may be available only through paid subscriptions or plans. Where paid services are offered: applicable pricing will be displayed before purchase; taxes may apply; subscription periods will be identified; applicable renewal terms will be disclosed; storage or feature limits may apply; payment may be processed through a third-party payment provider or app-store provider; and additional terms may apply. The specific commercial terms presented at the time of purchase will form part of the applicable agreement.
Where a subscription is configured for automatic renewal, the subscription may renew according to the renewal terms presented at the time of purchase. You may cancel automatic renewal through the applicable account, payment provider or app-store mechanism, subject to the applicable cancellation terms. Where required by law, Vantageflow will provide appropriate renewal disclosures or notices.
Refund eligibility, cancellation rights and refund procedures will depend on the applicable subscription terms, the payment provider, the platform through which the purchase was made, applicable consumer-protection law, and any promotional terms applicable to the purchase. Nothing in these Terms is intended to remove any mandatory refund or consumer right available under applicable law.
If you download or use the MyLifeVault mobile application through an app marketplace such as the Apple App Store or Google Play, additional terms imposed by the applicable marketplace may apply. Those marketplace terms govern matters relating to the marketplace itself, including account management, billing, downloads, updates, payment processing, refunds, and application distribution. To the extent applicable, you acknowledge that the relevant app-store provider is not responsible for providing support for the underlying MyLifeVault service except where expressly required by its own terms.
Subject to these Terms, Vantageflow grants you a limited, non-exclusive, non-transferable, revocable license to access and use MyLifeVault for your personal and lawful purposes. This license does not transfer ownership of the software or Platform to you. You may not sell, sublicense, lease, distribute, commercially exploit, modify, reproduce, reverse engineer, or create derivative works of MyLifeVault except as expressly permitted by these Terms or applicable law.
All intellectual-property rights in MyLifeVault, excluding User Content and third-party materials, are owned by or licensed to Vantageflow. This includes, where applicable, software, source and object code, trademarks, logos, designs, interfaces, graphics, databases, documentation, text, workflows, architecture, functionality, visual elements, proprietary technology, and other materials. Nothing in these Terms grants you ownership of Vantageflow's intellectual property.
“MyLifeVault”, Vantageflow and associated logos, names and marks are trademarks or intellectual property of Vantageflow Technologies Private Limited or their respective owners. You may not use such marks without prior written permission except as permitted by applicable law.
If you voluntarily provide suggestions, recommendations, ideas, feature requests or other feedback regarding MyLifeVault (“Feedback”) — including through the in-app “Report a Bug” feature — you grant Vantageflow the right to use that Feedback without restriction or compensation, to the extent permitted by law. This does not grant Vantageflow ownership of your User Content.
Your use of MyLifeVault involves the processing of information. Such processing is governed by the MyLifeVault Privacy Policy, which forms part of these Terms. The Privacy Policy explains, among other matters, information collected, purposes of processing, use and disclosure, third-party service providers, security, retention, user rights, grievance handling, and other applicable privacy matters. You should read the Privacy Policy carefully before using MyLifeVault.
Vantageflow will implement reasonable technical and organizational measures designed to protect the Platform and information processed through it. However, no digital service can guarantee absolute security. You acknowledge that internet-based services involve inherent risks and that you must also take reasonable precautions to protect your account and devices.
You are responsible for the security of devices used to access MyLifeVault. You should keep operating systems updated, use appropriate device security, use supported browsers and application versions, avoid accessing sensitive information on compromised devices, protect devices against unauthorized access, and promptly revoke access to lost or stolen devices where applicable. Vantageflow is not responsible for unauthorized access caused by a compromised device to the extent permitted by law.
Vantageflow may suspend, restrict or terminate access to MyLifeVault where reasonably necessary, including where you materially breach these Terms, engage in unlawful activity, your account presents a security risk, your account is used for fraud or abuse, your use threatens the integrity of the Platform, payment obligations are not satisfied, it is required by law or governmental authority, it is necessary to protect another person's rights, it is necessary to respond to a security incident, or the Service is discontinued. Where reasonably practicable and legally permissible, Vantageflow may provide notice before termination or suspension.
You may stop using MyLifeVault at any time. Where account deletion functionality is available, you may request or initiate account deletion through the applicable account controls or by contacting info@vantageflowtech.com. Termination of your account does not automatically extinguish obligations that by their nature survive termination.
Upon termination: your right to access MyLifeVault may cease; access to User Content may become unavailable; outstanding payment obligations may remain payable; applicable data-retention obligations may continue; legally required records may be retained; and provisions intended to survive termination will remain effective. Where applicable and technically feasible, Vantageflow may provide a reasonable opportunity for users to export their User Content before account termination.
Requests for deletion of personal information will be handled in accordance with applicable law and the MyLifeVault Privacy Policy. Deletion may be subject to legal obligations, regulatory requirements, fraud-prevention requirements, security requirements, dispute resolution, contractual obligations, backup systems, or other legally permitted retention requirements. Deletion of an account does not necessarily mean that every copy of information is immediately erased from every system.
MyLifeVault is not an emergency service. You must not rely on MyLifeVault as the sole means of accessing information required during an emergency. Vantageflow does not guarantee access to stored information where internet access is unavailable, the user's device is unavailable, authentication cannot be completed, the Platform is unavailable, telecommunications services are disrupted, or another technical or operational failure occurs.
The Platform may contain links to third-party websites, applications or services. Such links are provided for convenience and do not constitute an endorsement or guarantee of the third party. Vantageflow is not responsible for third-party content, security, privacy practices, availability, transactions, or terms.
MyLifeVault is provided subject to the disclaimers contained in the MyLifeVault Disclaimer, which is incorporated into these Terms by reference. The Disclaimer forms an integral part of the contractual framework governing your use of MyLifeVault.
To the maximum extent permitted by applicable law, MyLifeVault is provided on an “as is” and “as available” basis. Vantageflow does not warrant that MyLifeVault will be continuously available, be uninterrupted, be completely secure, be error-free, meet every user's requirements, preserve information indefinitely, be compatible with every device, produce accurate automated results, or remain unchanged. Nothing in these Terms excludes any warranty or statutory protection that cannot lawfully be excluded.
To the maximum extent permitted by applicable law, Vantageflow, its directors, officers, employees, affiliates, contractors and service providers shall not be liable for indirect, incidental, consequential, special or punitive losses arising from use of or inability to use MyLifeVault. This may include, where legally permissible, loss of business, loss of opportunity, loss of anticipated savings, loss resulting from reliance on reminders, loss resulting from inaccurate User Content, loss resulting from failure to maintain independent backups, loss resulting from third-party services, loss caused by user-device compromise, or loss caused by circumstances beyond Vantageflow's reasonable control. Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.
To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Vantageflow, its directors, officers, employees, affiliates, contractors and service providers from claims, liabilities, losses, damages, costs and reasonable expenses arising from your material breach of these Terms, unlawful use of MyLifeVault, infringement of another person's rights through your User Content, unauthorized processing or disclosure of another person's information by you, fraudulent or abusive use of your account, or your violation of applicable law. This provision will not apply to the extent the relevant claim results from Vantageflow's own liability that cannot lawfully be transferred to you.
Vantageflow may disclose information where required or permitted by applicable law, court order, governmental authority or valid legal process. Where legally permitted, Vantageflow may provide notice to affected users regarding such requests. Nothing in these Terms prevents Vantageflow from complying with lawful obligations.
Vantageflow may implement measures to detect and prevent account takeover, identity fraud, unauthorized access, payment fraud, abuse, malicious activity, automated attacks, security threats, and other misuse of the Platform. Such measures may include account restrictions, authentication challenges, security reviews or suspension where reasonably necessary.
Vantageflow may modify, improve, replace or discontinue features of MyLifeVault. Changes may be necessary because of technological developments, security requirements, legal or regulatory changes, third-party dependencies, user requirements, operational considerations, or business decisions. Where a change materially affects a paid service or legally protected right, Vantageflow will provide any notice or remedy required by applicable law or the applicable commercial terms.
Vantageflow may update these Terms from time to time. The updated Terms will be published through the applicable MyLifeVault website, application or other appropriate channel. The “Last Updated” date will indicate the latest revision. For material changes requiring consent or specific notice under applicable law, Vantageflow will follow the applicable requirements. Your continued use of MyLifeVault after the effective date of an updated version may constitute acceptance where permitted by law.
By using MyLifeVault, you consent to receiving electronic communications relating to account activity, authentication, security, transactions, subscriptions, service updates, important notices, legal changes, support requests, and other communications necessary to provide the Service. Marketing communications, where applicable, will be subject to the preferences and consent mechanisms required by law. Service-related communications may continue where necessary even if you opt out of marketing communications.
Notices may be provided through email, in-app notifications, website notices, account notifications, SMS, push notifications, or other reasonable electronic means. You are responsible for maintaining accurate contact information. Vantageflow is not responsible for failure to receive communications caused by incorrect contact information, blocked communications, unavailable email accounts, device settings or similar circumstances outside its reasonable control.
Vantageflow will maintain an appropriate grievance mechanism as required under applicable law. For service-related complaints, users may contact:
Privacy / Grievance Team
Vantageflow Technologies Private Limited
Email: info@vantageflowtech.com
Address: H/O Subodh Kumar Jha, Ward No. 09, Pupri, Janakpur Road, Pupri, Sitamarhi – 843320, Bihar, India
For privacy and personal-data matters, please refer to the MyLifeVault Privacy Grievance & DPDP Rights Mechanism for the applicable grievance and data-rights process.
You agree to use MyLifeVault in compliance with all applicable laws and regulations, including laws relating to privacy, data protection, intellectual property, cybercrime, fraud, consumer protection, taxation, financial activity, export controls, sanctions, and other applicable legal requirements. Vantageflow may restrict access where reasonably necessary to comply with applicable law.
MyLifeVault may be accessible from jurisdictions outside India. If you access MyLifeVault from another jurisdiction, you are responsible for complying with the laws applicable to you. You should not use MyLifeVault where doing so would violate applicable local law.
These Terms shall be governed by and interpreted in accordance with the laws of India, subject to applicable mandatory statutory and consumer protections. Nothing in these Terms is intended to deprive a consumer of rights that cannot lawfully be waived.
Vantageflow encourages users to first contact Customer Support or the designated Privacy / Grievance Team to resolve disputes informally. Where a dispute cannot be resolved through the grievance mechanism, it may be addressed through the courts or another dispute-resolution process required by law.
Subject to applicable law and any mandatory consumer or statutory rights, disputes relating to these Terms or MyLifeVault shall be subject to the exclusive jurisdiction of the competent courts in Sitamarhi, Bihar, India.
If any provision of these Terms is held to be invalid, illegal or unenforceable, that provision shall be modified or interpreted to the minimum extent necessary to make it enforceable, where legally permissible. The remaining provisions shall continue in full force and effect.
Failure by Vantageflow to enforce any provision of these Terms shall not constitute a waiver of that provision or of the Company's right to enforce it subsequently.
You may not assign or transfer your rights or obligations under these Terms without Vantageflow's prior written consent, except where such restriction is prohibited by applicable law. Vantageflow may assign or transfer its rights and obligations in connection with corporate restructuring, merger, acquisition, sale of business or assets, financing, reorganization, or transfer of the MyLifeVault business, subject to applicable law and any required user notice.
These Terms, together with the Privacy Policy, Disclaimer and any applicable feature-specific or subscription terms, constitute the agreement between you and Vantageflow concerning your use of MyLifeVault, except where a separate written agreement expressly governs a particular service.
The provisions relating to intellectual property, User Content rights, privacy and data retention, payment obligations, disclaimers, limitation of liability, indemnification, dispute resolution, governing law, and other provisions that by their nature should survive termination shall survive termination or expiration of these Terms.
Vantageflow Technologies Private Limited
Registered Office: H/O Subodh Kumar Jha, Ward No. 09, Pupri, Janakpur Road, Pupri, Sitamarhi – 843320, Bihar, India
Email: info@vantageflowtech.com
Website: https://mylifevault.co.in
Customer Support: info@vantageflowtech.com
Privacy / Grievance Contact: Privacy / Grievance Team — info@vantageflowtech.com
By accessing or using MyLifeVault, you acknowledge that: you have read these Terms; you understand these Terms; you agree to be bound by these Terms; you have reviewed the Privacy Policy and Disclaimer; you are responsible for information you upload or provide; you understand that MyLifeVault is not a substitute for professional advice; you understand the limitations associated with digital storage and online services; and you will use MyLifeVault lawfully and responsibly.
© 2026 Vantageflow Technologies Private Limited. All Rights Reserved.