Terms & Conditions and Privacy Policy
Ready Affairs / ReadyAffairs.com
Effective Date: June 15, 2026
Website: ReadyAffairs.com
Contact Email: support@readyaffairs.com
Introduction
These Terms & Conditions and Privacy Policy (“Terms,” “Policy,” or “Agreement”) govern your access to and use of the ReadyAffairs.com website, digital products, free resources, email forms, downloads, content, and any related services made available through ReadyAffairs.com.
For purposes of this page, “ReadyAffairs.com,” “Ready Affairs,” “we,” “us,” and “our” refer to the website, brand, owner, operator, and authorized representatives. “You” and “your” refer to any visitor, user, subscriber, customer, purchaser, download recipient, or person who interacts with this website.
By using this website, submitting a form, requesting a free resource, clicking a link, downloading content, or purchasing a digital product, you agree to these Terms and this Privacy Policy. If you do not agree, do not use this website, submit information, request resources, or purchase any product.
1. Website Purpose
ReadyAffairs.com provides digital educational and organizational resources intended to help families in the United States prepare practical household, contact, document-location, medical-contact, insurance, digital-access-location, professional-contact, pet/dependent, and final-wishes information before it becomes urgent.
Ready Affairs is designed as a practical family organizer and planning resource. It is intended to help users record where important information is located and how trusted people may find it. It is not intended to collect or store the completed organizer on our website.
Ready Affairs may also include general guidance for families preparing for aging, caregiving, illness, incapacity, emergency planning, household continuity, or eventual loss. It is not a professional advisory service.
2. U.S. Audience Only
This website, its digital products, free resources, and offers are intended for customers and users located in the United States.
The information is U.S.-oriented and may not apply outside the United States. Laws, procedures, document rules, emergency practices, healthcare systems, privacy requirements, estate rules, funeral practices, probate rules, tax rules, and institutional policies vary by state, county, agency, provider, and individual circumstance.
If you access this website from outside the United States, you do so at your own initiative and are responsible for complying with any applicable local laws.
3. Informational and Organizational Use Only - No Professional Advice
All content, guides, downloads, checklists, templates, emails, free resources, paid digital products, and other materials provided by ReadyAffairs.com are for informational, educational, and organizational purposes only.
Nothing on this website or in any Ready Affairs product constitutes legal, tax, financial, medical, psychological, therapeutic, funeral, estate-planning, probate, insurance, real-estate, digital-security, cybersecurity, or other professional advice.
Use of this website, submission of a form, receipt of a free resource, or purchase of a product does not create any attorney-client, therapist-client, physician-patient, financial advisor-client, funeral director-client, tax advisor-client, insurance advisor-client, or other professional relationship.
You should consult qualified professionals before making decisions with legal, financial, tax, medical, psychological, funeral, estate, probate, insurance, real-estate, or other significant consequences.
4. No Emergency or Crisis Service
ReadyAffairs.com does not provide emergency services, crisis response, medical treatment, mental health treatment, suicide prevention, abuse intervention, legal intervention, urgent security support, or urgent professional support.
If you are experiencing an emergency, medical crisis, mental health crisis, immediate danger, suspected abuse, risk of harm, or life-threatening situation, contact emergency services, a crisis hotline, a medical professional, law enforcement, or another appropriate qualified professional in your location.
Do not rely on this website or any Ready Affairs material for urgent, emergency, or life-threatening situations.
5. Important Privacy and Safety Notice for the Organizer
Ready Affairs may help you organize sensitive information, but you should not submit completed organizer pages, passwords, Social Security numbers, full account numbers, government ID numbers, medical records, diagnoses, legal case details, estate documents, tax returns, bank credentials, or other highly sensitive information through ordinary website forms or email unless we specifically request it for a stated purpose.
Ready Affairs is intended to help you record locations, instructions, contacts, and general references. For security, you should generally record where sensitive information is stored, not the sensitive information itself. For example, write “password manager,” “safe,” “attorney office,” or “secure folder” instead of writing full passwords, full account numbers, or complete identity information in an unsecured file.
We do not host, store, or manage your completed family organizer unless a separate service expressly says so in writing. You are responsible for deciding where to store your completed files and who may access them.
6. Digital Products Only
All products sold or offered through this website are digital products or digital resources. No physical product will be shipped.
By purchasing from this website or through a linked checkout page, you understand and agree that you are purchasing or receiving digital content delivered electronically, such as PDF guides, fillable PDFs, checklists, templates, companion tools, downloads, or other digital files.
6.1 Bonus Digital Tool: Family Information Tracker Ready Affairs may include a bonus digital tool, such as the Family Information Tracker, provided as an Excel / Google Sheets companion file. This bonus tool is intended to help customers organize progress, track section completion, and record safe location notes for important family information and documents. It is not an online software platform, mobile application, password manager, legal document storage system, financial planning tool, medical record system, cybersecurity tool, or emergency response service. For safety and privacy, customers should not use the tracker to store passwords, PINs, full account numbers, Social Security Numbers, full credit card numbers, private login credentials, full medical records, or highly sensitive personal data.
The tracker is provided for personal organization and informational purposes only. Customers are responsible for how they complete, store, protect, back up, share, upload, print, or use their own copy of the file.
7. Orders, Pricing, Availability, and Product Changes
We reserve the right to modify, update, remove, discontinue, rename, repackage, reprice, or revise any digital product, free resource, description, offer, bonus, download, website section, or related content at any time without prior notice.
We also reserve the right to refuse, cancel, restrict, or decline access to any order, request, download, form submission, or transaction where necessary for security, technical, legal, operational, payment, fraud-prevention, abuse-prevention, or compliance reasons.
Prices, descriptions, edition names, product contents, download access, bonuses, and availability may change at any time.
8. Gumroad, Checkout, Payments, and Digital Delivery
ReadyAffairs.com may sell digital products through Gumroad or other third-party checkout, payment, delivery, or digital commerce platforms.
When you click a purchase button, checkout link, product link, or Gumroad link, you may be redirected to Gumroad or another third-party platform. Your purchase, payment processing, tax handling, order confirmation, digital delivery, refund process, account access, and certain customer data may be handled by Gumroad or the applicable third-party platform.
Gumroad and other third-party platforms operate under their own terms, privacy policies, refund rules, payment procedures, security practices, and customer-support systems. We do not control those independent policies or systems.
ReadyAffairs.com does not directly store or process your full credit card number or full payment card information when payments are handled through Gumroad or another external payment processor.
9. No Refunds - All Sales Final
All sales are final. Because Ready Affairs products are digital products and may be delivered electronically, we do not offer refunds, returns, exchanges, cancellations, or credits once access, download, delivery, or purchase confirmation has been provided, except where required by applicable law or where a third-party platform’s mandatory rules require otherwise.
By purchasing a digital product, you acknowledge and agree that the product is digital in nature, no physical shipment is involved, access or delivery may occur immediately or shortly after purchase, and digital files can be accessed, opened, downloaded, copied, or saved after delivery.
If your purchase was completed through Gumroad or another third-party platform, any refund request may also be subject to that platform’s applicable terms, procedures, and limitations.
10. Free Resources
We may offer free resources, including downloadable PDFs, checklists, email-delivered materials, starter guides, forms, or other educational content. Free resources are provided for personal, non-commercial use only.
We reserve the right to modify, replace, restrict, discontinue, or remove any free resource at any time without prior notice. Submitting a form to request a free resource does not guarantee that the resource will always remain available or that delivery will be uninterrupted, immediate, or error-free.
11. Email Forms, Free Downloads, and Marketing Communications
When you submit your name, email address, or other information through a form on this website, we may use that information to send the resource you requested, confirm your request, respond to your inquiry, provide customer support, send follow-up information related to Ready Affairs, send educational content, updates, announcements, offers, product information, promotions, and marketing communications, improve our website and products, and maintain operational, security, legal, and compliance records.
By submitting your email address through a form on this website, you understand that your email address may be used for follow-up communications and marketing campaigns related to Ready Affairs, where permitted by applicable law.
You may unsubscribe or opt out of marketing emails by using the unsubscribe method provided in the email, replying with an opt-out request where applicable, or contacting us at support@readyaffairs.com.
Even if you opt out of marketing emails, we may still send non-marketing communications when necessary, such as purchase confirmations, download information, customer-service messages, legal notices, security notices, or responses to your direct requests.
We aim to comply with applicable commercial email rules, including clear sender identification, accurate subject lines, a reasonable opt-out method, and inclusion of a valid physical postal address in marketing emails where required. The business mailing address must be completed before publication and before sending marketing emails.
12. Information We May Collect
We may collect information that you voluntarily provide to us, including name, email address, form responses, message content, download requests, product inquiries, customer-support communications, purchase-related information made available to us through Gumroad or another third-party platform, marketing preferences or email engagement information, and any other information you choose to submit through this website or related communication channels.
We may also collect limited technical or usage information through website tools, hosting systems, analytics tools, security tools, anti-spam tools, cookies, or similar technologies, such as browser type, device type, IP address, pages visited, general usage data, form submission timestamps, referral source, approximate location derived from technical data, and interaction with website links or emails.
13. Sensitive Information We Do Not Intend to Collect
We do not intend to collect highly sensitive personal information through ordinary website forms. You should not submit full passwords, Social Security numbers, full financial account numbers, full payment card numbers, medical records, diagnoses, legal files, estate documents, tax documents, insurance claim files, or confidential family information through ordinary website forms or email.
If you voluntarily send sensitive information anyway, you do so at your own risk. We may delete, refuse, or ignore such information when it is not necessary for the purpose of the communication.
13.1 Customer Use of Downloaded Files
Ready Affairs does not access, view, collect, store, or monitor the information customers enter into downloaded files, including the Family Information Tracker, unless a customer voluntarily sends that information to us for support or communication purposes. The Family Information Tracker is designed to be used locally on a customer’s device or within the customer’s own chosen software environment, such as Microsoft Excel, Google Sheets, or another compatible spreadsheet program.
If a customer chooses to upload, edit, store, or share the tracker through a third-party service, such as Google Drive, Google Sheets, Microsoft OneDrive, Microsoft Excel Online, Dropbox, iCloud, or another cloud or spreadsheet service, that use is subject to the privacy practices, security settings, and terms of the third-party service selected by the customer.
14. How We Use Information
We may use collected information to operate and maintain the website; provide free resources; deliver digital products; process purchases and customer requests; communicate with you; send marketing communications where permitted; improve products, resources, website content, user experience, and customer service; monitor website performance and security; prevent fraud, abuse, spam, unauthorized access, or misuse; comply with legal, regulatory, tax, accounting, security, or operational obligations; enforce these Terms; and protect our rights, property, users, customers, and business operations.
15. Legal Bases for Processing Where GDPR Applies
Where the General Data Protection Regulation or similar privacy law applies, we may process personal information based on one or more lawful bases, including your consent, performance of a contract or pre-contractual request, compliance with legal obligations, and legitimate interests such as operating the website, responding to inquiries, preventing abuse, improving services, and maintaining business records.
Where processing is based on consent, you may withdraw consent where applicable. Withdrawal of consent does not affect processing that occurred before withdrawal or processing based on another lawful basis.
16. Cookies, Analytics, reCAPTCHA, and Similar Technologies
This website may use cookies, analytics tools, tracking technologies, Google reCAPTCHA or similar protection tools, and related technologies to support basic website functionality, improve user experience, measure website traffic, understand visitor behavior, prevent spam, protect security, and evaluate marketing performance.
You may be able to manage or disable cookies through your browser settings. Disabling cookies may affect website functionality, form submission, analytics, checkout redirection, spam prevention, or other features.
Third-party services may also use cookies or similar technologies according to their own policies.
17. Third-Party Services
This website and its related operations may use third-party services, including but not limited to Gumroad for digital product checkout, payment processing, tax handling, product delivery, customer access, and transaction-related services; email providers; website hosting providers; domain providers; analytics tools; security tools; anti-spam tools; Google reCAPTCHA or similar protection tools; form tools; cloud storage or file delivery tools; and other technical, operational, payment, or marketing service providers.
Third-party providers may collect, process, store, transfer, or receive information according to their own privacy policies and terms. We are not responsible for the independent policies, data practices, security practices, technical failures, service interruptions, platform changes, payment decisions, account restrictions, or other actions of third-party providers.
18. Data Sharing and Sale of Personal Information
We do not sell personal information in the ordinary sense of directly exchanging your personal information for money.
We may share information with service providers or third-party platforms when necessary to operate the website, deliver free resources, send emails, process purchases, provide digital downloads, use Gumroad or other checkout platforms, manage technical systems, prevent fraud or abuse, comply with legal obligations, protect rights, or enforce these Terms.
We may also disclose information if required by law, legal process, court order, subpoena, government request, regulatory obligation, or to protect rights, safety, security, property, users, customers, or the public.
19. Data Retention
We may retain collected information for as long as reasonably necessary to provide requested resources, manage customer relationships, maintain business records, process purchases, support downloads and customer service, send marketing communications unless you opt out, comply with legal, tax, accounting, security, fraud-prevention, and operational requirements, resolve disputes, and enforce agreements.
We may delete, anonymize, archive, or retain information according to our operational needs and applicable law.
20. Your Privacy Choices and Rights
You may contact us at support@readyaffairs.com to request that we review, update, correct, restrict, or delete information you have provided, subject to legal, technical, operational, security, accounting, tax, fraud-prevention, or recordkeeping limitations.
You may opt out of marketing emails using the unsubscribe option provided in the email or by contacting us directly. Please understand that deleting certain information may affect our ability to provide resources, customer support, purchase verification, download support, or other services.
Where GDPR or similar law applies, you may have rights to access, correct, delete, restrict, object to processing, request portability, withdraw consent where applicable, or lodge a complaint with a supervisory authority, subject to the limits and conditions of applicable law.
21. California Privacy Notice
If California privacy law applies to ReadyAffairs.com or to your interaction with this website, California residents may have rights to know, access, delete, correct, and opt out of certain uses or sharing of personal information, subject to legal exceptions and verification requirements.
Categories of personal information we may collect include identifiers such as name and email address, internet or network activity such as website usage data, commercial information such as purchase records made available through a third-party platform, approximate geolocation derived from technical data, and communications you choose to send us.
We do not knowingly sell personal information or share personal information for cross-context behavioral advertising in a way that we control, unless a future service or tool is configured to do so and the required notices and choices are provided. Third-party tools may process information according to their own policies.
To make a privacy request, contact support@readyaffairs.com. We may need to verify your identity before responding.
22. Children and Minors
This website and its products are intended for adults. We do not knowingly collect personal information from children under 13, and we do not intend to market digital products directly to minors. If you believe a child has provided personal information to us, contact us at support@readyaffairs.com so we can review and take appropriate action.
23. Security
We use reasonable efforts to protect information submitted through this website and related services. However, no website, email system, payment platform, form tool, hosting service, or digital transmission method is completely secure.
You submit information and use this website at your own risk. You are responsible for using a secure device, secure internet connection, strong passwords where applicable, and appropriate caution when accessing downloads, emails, links, or third-party platforms.
24. Intellectual Property
All website content, digital products, downloads, guides, checklists, templates, spreadsheets, digital trackers, fillable forms, text, structure, branding, design elements, graphics, layouts, product names, edition names, resource names, and related materials are owned by or licensed to ReadyAffairs.com and are protected by applicable copyright, trademark, intellectual property, and other laws.
Your use of this website or purchase of a product does not transfer ownership of any intellectual property rights to you.
You may not copy, reproduce, republish, sell, resell, distribute, upload, share, modify, adapt, translate, create derivative works from, publicly display, publicly perform, license, transfer, exploit, or use any Ready Affairs content for commercial purposes without prior written permission.
25. AI-Generated and Illustrative Images Notice
Some visual images used on this website may be AI-generated, digitally created, stock-based, edited, or used for illustrative purposes only. These images are intended to support the presentation of Ready Affairs, ReadyAffairs.com, and related digital products.
Unless expressly stated, these images do not represent real customers, clients, legal professionals, medical professionals, financial advisors, family members, caregivers, endorsers, reviewers, or professional relationships.
Any testimonials, reviews, endorsements, or professional references published by Ready Affairs will be based only on actual authorized feedback or permitted use.
26. Personal Use License
When you purchase or receive a digital product or free resource from ReadyAffairs.com, you are granted a limited, non-exclusive, non-transferable, revocable license for personal, private, non-commercial use only.
You may not resell the product, redistribute files, share download access, upload materials to public or private sharing platforms, copy materials for others, use the content for commercial resale, use the materials as part of your own paid service, present the content as your own, remove copyright or disclaimer notices, or use the content to create a competing product.
We reserve all rights not expressly granted.
27. User Conduct
You agree not to use this website, forms, downloads, products, or related services for unlawful, fraudulent, abusive, misleading, or harmful purposes; to submit false or misleading information; to interfere with website functionality or security; to attempt unauthorized access to systems, forms, files, accounts, data, or technical infrastructure; to copy, scrape, harvest, or misuse website content; to distribute malware, spam, abusive content, or harmful code; to violate intellectual property rights; to violate the rights, privacy, or security of others; to misuse free resources, downloads, links, or forms; or to impersonate another person or misrepresent your identity.
We reserve the right to restrict, block, suspend, or refuse access to any user who violates these Terms or misuses the website.
28. Affiliate Links, Partner Links, and Commercial Relationships
ReadyAffairs.com may participate in affiliate programs, referral programs, partner programs, or other commercial relationships. We may compensate approved partners, affiliates, creators, educators, professionals, or resource partners when they refer customers to Ready Affairs. We may also receive compensation if we later recommend or link to third-party products or services.
Some links on this website, in emails, in resources, or in related content may be affiliate links, partner links, referral links, or commercial links. We aim to disclose affiliate or commercial relationships clearly where appropriate.
The existence of an affiliate relationship does not increase your purchase price unless expressly stated by the third-party provider. You are responsible for reviewing the terms, pricing, policies, and suitability of any third-party product or service before purchasing or using it.
29. Third-Party Content and Links
This website, emails, digital products, or resources may contain links, references, suggestions, or mentions of third-party websites, organizations, agencies, tools, platforms, professionals, services, products, or resources. These links and references are provided for convenience, context, or educational purposes only.
We do not control, guarantee, endorse, or assume responsibility for third-party websites, content, policies, prices, accuracy, availability, security, professional qualifications, advice, services, or outcomes. Your use of third-party websites, platforms, services, or resources is at your own risk and subject to the third party’s own terms and policies.
30. Feedback, Reviews, and Testimonials
If you send us comments, feedback, suggestions, testimonials, reviews, questions, corrections, or ideas regarding Ready Affairs, you grant us permission to review and use that feedback internally for business improvement, customer service, product development, and quality control.
We will not intentionally publish your full name, personal contact information, professional role, testimonial, review, or identifiable quote in public marketing unless you have given permission or unless the content was already publicly posted by you in a context where reuse is permitted by the platform and applicable law.
We may edit approved testimonials or feedback for clarity, length, grammar, or privacy, while aiming not to materially change the meaning.
31. Social Media and External Platforms
Ready Affairs may maintain or interact through social media pages, profiles, posts, advertisements, groups, or other external platforms. Each social media platform has its own terms, privacy policies, data practices, and moderation rules. We do not control those platforms.
We reserve the right to remove, hide, report, or restrict comments, messages, or interactions that are abusive, unlawful, misleading, spam-like, harassing, defamatory, discriminatory, threatening, promotional, invasive of privacy, unrelated to the purpose of the page, or inconsistent with the tone and purpose of Ready Affairs.
32. No Guarantee of Results
ReadyAffairs.com does not guarantee any specific result, outcome, family resolution, emergency outcome, caregiving outcome, medical outcome, legal result, financial result, tax result, funeral outcome, probate outcome, estate outcome, digital account recovery, administrative result, or reduction of stress or conflict.
Your situation may depend on facts, state law, county procedures, agency rules, family circumstances, account policies, institutional requirements, professional advice, and other factors beyond our control. You are responsible for evaluating whether the information is appropriate for your situation and for obtaining professional assistance where needed.
33. Disclaimer of Warranties
This website, its content, free resources, digital products, downloads, emails, links, forms, and related materials are provided on an “as is” and “as available” basis.
To the maximum extent permitted by law, we make no warranties or guarantees, express or implied, including warranties of accuracy, completeness, reliability, availability, merchantability, fitness for a particular purpose, non-infringement, uninterrupted access, technical compatibility, error-free operation, specific results, or suitability for your individual circumstances.
We do not guarantee that the website, downloads, forms, emails, payment links, Gumroad checkout, or third-party services will always be available, error-free, secure, uninterrupted, or compatible with your device or system.
Spreadsheet compatibility may vary depending on the software, device, browser, operating system, settings, or third-party service used by the customer. Ready Affairs does not guarantee that formatting, formulas, dropdowns, fillable areas, layout, or file behavior will appear or function identically in every spreadsheet program, PDF reader, browser, device, or online service.
34. Limitation of Liability
To the maximum extent permitted by law, ReadyAffairs.com shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of this website, inability to use this website, reliance on website content or digital products, use or misuse of any free resource or paid product, decisions made based on the materials, technical failures, email delivery failures, form submission issues, download issues, data loss, third-party service interruptions, Gumroad checkout or delivery issues, payment processing issues, platform restrictions or policy changes, unauthorized access, errors, omissions, outdated information, or professional, legal, financial, tax, medical, psychological, funeral, probate, estate, family, caregiving, or administrative decisions made by you or others.
Your use of this website and its materials is at your own discretion and risk. To the maximum extent permitted by law, any total liability arising from or related to a paid digital product shall not exceed the amount you paid for the specific product giving rise to the claim.
35. Indemnification
You agree to indemnify, defend, and hold harmless ReadyAffairs.com, its owner, operator, representatives, contractors, service providers, affiliates, and related parties from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorney fees, arising out of or related to your use or misuse of the website, any digital product or free resource, violation of these Terms, violation of any law or regulation, infringement of intellectual property rights, submission of false or unauthorized information, misuse of third-party services, or decisions, actions, or omissions based on the website or materials.
36. Governing Law
These Terms shall be governed by and construed in accordance with the laws designated by the website operator, without regard to conflict-of-law principles.
Before publication, the operator should select the correct governing law and jurisdiction after professional review. Because Ready Affairs is an online digital resource intended for a U.S. audience and may be operated from outside the United States, this section should not be finalized without legal confirmation.
Users are responsible for understanding that legal, tax, medical, administrative, funeral, estate, digital-account, and related requirements may vary by state, county, agency, institution, professional provider, and individual circumstance.
37. Entire Agreement
These Terms and this Privacy Policy constitute the entire agreement between you and ReadyAffairs.com regarding your use of this website, free resources, digital products, downloads, forms, and related services. They replace and supersede any prior or conflicting understandings, communications, or statements regarding the same subject matter, unless expressly stated otherwise in writing.
38. Severability
If any provision of these Terms or this Privacy Policy is found to be unlawful, void, invalid, or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it valid and enforceable, or removed if necessary. The remaining provisions shall continue in full force and effect.
39. Changes to These Terms and Privacy Policy
We may update these Terms and this Privacy Policy at any time. When we update this page, we will revise the Effective Date at the top. Your continued use of the website, submission of forms, access to resources, or purchase of products after changes are posted constitutes acceptance of the updated Terms and Privacy Policy.
You should review this page periodically.
40. Contact
If you have questions about these Terms, this Privacy Policy, your data, your email preferences, or your use of ReadyAffairs.com, you may contact us at:
Email: support@readyaffairs.com