1. Who we are
WillFull is run by WillFull Ltd, a company registered in England and Wales (company number 17307596), at Office 122, Filwood Green Business Park, 1 Filwood Park Lane, Bristol, England, BS4 1ET. “We”, “us” and “our” mean WillFull. “You” means the person using the service.
You can contact us at hello@willfull.co.uk. By creating an account you agree to these terms. You must be 18 or over to use WillFull.
2. What we do — and don’t
WillFull gives you tools to write a simple will, record details of your estate, estimate Inheritance Tax and share information with your executors and advisers.
WillFull is not a pensions dashboard service and doesn’t connect to the government’s Pensions Dashboards. You enter your pension details yourself.
3. Your account
Keep your login details private and use a strong password. You’re responsible for activity on your account, so tell us straight away if you think someone else has accessed it.
Your account is personal to you. Please don’t create one on someone else’s behalf unless you hold a valid power of attorney and have told us.
4. Making your will
Our will creator is free and designed for people whose permanent home is in England or Wales and whose wishes are straightforward. We’ll tell you if your answers suggest you need a solicitor instead.
A will made with WillFull is only valid once it has been printed, signed by you and witnessed correctly. That means two independent adult witnesses, present together, who are not beneficiaries or married to one. We provide signing instructions, but making sure this is done properly is your responsibility.
We don’t hold the signed original. Keep it somewhere safe and record where it is in your account.
5. Your estate information
You can record property, accounts, pensions, insurance and other assets. Some details are filled in automatically from public sources: for a property, HM Land Registry’s sales and House Price Index, the Energy Performance Certificate register, and government planning and flood data.
An estimated property value is just that, an estimate based on the last sale price and how local prices have moved. It isn’t a valuation. By default we update it on the 1st of each month. You can type your own value, which switches those updates off for that property, or switch them back on at any time.
Where we offer it, you can choose to connect a bank account through Open Banking, so that we can read your balances. It’s read-only, your bank asks you to approve it, we never see your bank login, and you can withdraw your permission at any time. We take a snapshot of your totals on the 1st of each month so you can see how your wealth changes.
Please keep your information accurate and up to date. We aren’t responsible for errors in what you enter or in data supplied by third parties. Never store passwords, PINs or security answers in WillFull.
6. Executors and sharing
You choose who can see your information and what they can see. You can change or remove access at any time. If you give an adviser permission to edit, you’re responsible for the changes they make on your behalf.
When someone tells us you have died, we’ll ask them to create an account, upload a copy of the death certificate and verify their identity, and our team will check both before releasing anything. We’ll then share only what you chose to share with executors. If the person telling us isn’t a named executor, we’ll contact the executors you named.
If the person who has died had an active plan, or was still in their free trial, their executors see everything they chose to share, free of charge. If they didn’t, their executors can see the will, wishes and letters for free, and pay a one-off fee of £200 to open the connected estate (their property, accounts, pensions and values). One payment opens it for every executor of that estate, and nothing is charged until they choose to pay.
Some members of the WillFull team can open an account to give support or to check a request. Sensitive details are hidden unless they give a reason, and every view is recorded.
7. Plans and payment
Paid plans renew automatically until you cancel. You can cancel at any time in Settings, and your plan stays active until the end of the period you’ve paid for. You have 14 days from first subscribing to cancel for a full refund.
Storage: documents and forwarded files count towards your allowance, which is 1 MB without a subscription and 1 GB with the Estate plan. If your subscription ends, we keep your files for 30 days and email you before anything is removed. After that, files over 1 MB are deleted and your oldest files are kept. Resubscribing within the 30 days keeps everything.
If we change our prices, we’ll tell you at least 30 days before your next payment. WillFull Ltd is not VAT registered, so no VAT is added to our prices.
8. Inheritance Tax estimates
Our estimates are based on what you’ve told us and the rules as we understand them at the time. They’re a guide, not a calculation your executors can submit to HMRC. Tax rules change, and the real amount due may differ.
Any tips we show, for example about putting a life policy in trust, are general information about how the rules can work. They are not a recommendation for you. Speak to a regulated adviser or a solicitor before acting on them.
9. Advisers in our directory
Financial advisers listed in our directory are independent businesses. Any advice they give is their own responsibility, under their own terms and regulation. We may receive a fee from advisers you choose to work with; we’ll always tell you if we do.
An adviser can only see your account if you accept their invitation. You choose whether they can view or edit, and you can remove their access at any time.
10. Your data
Your information belongs to you. We handle it in line with UK data protection law, and our Privacy policy explains what we collect, why, and your rights. We never sell your data.
11. Our responsibility to you
We’ll provide the service with reasonable care and skill. We aren’t responsible for losses caused by a will not being signed or witnessed correctly, by information that’s inaccurate or out of date, or by events outside our reasonable control.
Nothing in these terms limits our responsibility where the law doesn’t allow it, or affects your legal rights as a consumer.
12. Closing your account
You can close your account at any time. Download anything you want to keep first, because we’ll delete your information within 30 days, unless we have to keep some by law. Closing your account doesn’t cancel a will you’ve already signed.
We may suspend or close an account that’s used unlawfully or against these terms. We’ll tell you why, where we’re able to.
13. Changes, law and complaints
If we make important changes to these terms, we’ll tell you by email at least 30 days in advance.
These terms are governed by the law of England and Wales. If you’re unhappy, contact hello@willfull.co.uk and we’ll aim to respond within 14 days. You can also go to the courts of the part of the UK where you live.