Last updated: 17th August 2026

Please read these Terms of Service carefully before using the Handbook of Your Life® website, products or services. By purchasing, accessing or using any part of our offering, you agree to these Terms.

These Terms operate alongside your rights under Australian Consumer Law (ACL). Nothing in these Terms excludes, limits or modifies your rights under the ACL.

1. Overview

Handbook of Your Life® is a printed Personal Affairs Management System, providing you the ability to organise your personal, household and end-of-life planning information in one place.

This is about clarity, not complexity — so the people around you are not left guessing when it matters most.

2. Nature of Products, Services & Resources

The Handbook of Your Life® Personal Affairs Management System is designed to help you collect and organise information in a structured format. They include, but are not limited to:

  • Handbook Kits
  • Security Manager
  • 2DocLock™ Security System product
  • Integrated Codes System™ (ICS) and ICS List
  • Customer resources, guides and training materials
  • Loved Ones Support
  • Optional customisation and personal assistance services

Our products, services and resources:

  • Do not provide legal, financial medical or professional advice
  • Do not replace the need for qualified professional advice
  • Do not create legally binding instructions or documents
  • Do not replace formal legal documents such as a Will, Power of Attorney or Advance Health Directive.

The Handbook of Your Life® Personal Affairs Management System is intended to support organisation and communication only.

If you require professional advice, you should seek it from a qualified professional.

3. How The System Works

The Handbook of Your Life® system is designed to organise information — not create it.

It works best when:

  • your information is accurate and kept up to date
  • your instructions are clear and complete
  • your nominated person knows where to find your handbook

4. Your Responsibilities

By using our products, you agree that you are responsible for:

  • entering accurate and complete information
  • updating your information over time
  • storing your handbook and Security Manager appropriately
  • ensuring your nominated person can access your materials
  • maintaining any required legal documents separately

We do not access, verify, store or manage the personal information you enter into your Handbook, Security Manager, ICS List or other personal planning materials.

Information you provide directly to Handbook of Your Life® through orders, enquiries, forms, Directory submissions or other website services is handled in accordance with our Privacy Policy.

5. 2DocLock™ Security System, Integrated Codes System (ICS) Protocol™ & Document Separation Protocol™

The 2DocLock™ Security System, including the Security Manager, Integrated Codes System (ICS) Protocol™ and Document Separation Protocol™, is designed to protect your confidential data through the use of user-created, custom codes and separation of sensitive information.

You are responsible for:

  • recording and maintaining your 2DocLock™-associated information correctly and accurately
  • storing your Security Manager securely and separately from your handbook
  • ensuring your access instructions are clear and usable for your nominated person

This system is designed to keep your information private and separated. Handbook of Your Life®  does not have access to your personal information, codes or documents. Because of this, we are not able to recover lost information or recreate missing details.

The security of your information also depends on how the system is used, stored and shared, as well as factors outside our control. Handbook of Your Life® is not responsible for any loss, misuse or unauthorised access to information resulting from how your 2DocLock™ security is set up, maintained or accessed.

If your nominated person requires help understanding how the 2DocLock™ system works, they are welcome to contact us via our Free Loved Ones Support page — we are always happy to guide them through how to use what has been provided.

This system is designed to protect your information — but it relies on correct setup and ongoing maintenance.

6. Our Commitment to You

We genuinely want this system to work for you.

Where possible, we will:

  • provide guidance on how to use your handbook
  • help you understand how the system works
  • provide resources to support completion
  • replace faulty or incorrectly printed pages

If something isn’t right with the product itself, we will work with you to resolve it.

At the same time, the handbook relies on the information you choose to include and maintain, so outcomes will naturally depend on how it has been completed and kept up to date.

7. Loved Ones Support

Loved Ones Support is a free service designed to assist a nominated person after death or loss of capacity.

We can help by:

  • explaining how the handbook, Security Manager and 2DocLock™ system work
  • guiding users on where to find information
  • helping them understand how to use what has been prepared

This service is guidance only.

We cannot:

  • provide legal, financial or medical advice
  • act on behalf of the estate, executor or family
  • access or recover missing information
  • guarantee outcomes

The support we can provide depends entirely on how the handbook has been completed and maintained.

8. Intellectual Property

All content and systems are the exclusive property of Handbook of Your Life®.

This includes:

  • Handbook Kits
  • Security Manager
  • 2DocLock™ Security System product
  • Integrated Codes System (ICS) Protocol™
  • Document Separation Protocol™
  • Child Add-ons
  • Care Recipient Add-ons
  • All templates, downloads and training materials
  • Website content, branding, layout and design

All rights are reserved.

9. Usage Rights & Restrictions

Your purchase provides a single-user licence for personal use only.

You must not:

  • copy, scan, reproduce or duplicate any part of the materials
  • share printed or digital copies with others
  • distribute, sell or replicate any part of the system
  • recreate or adapt the 2DocLock™ Security System product

10. Trademarks & System Protection

Handbook of Your Life®, 2DocLock™, Integrated Codes System (ICS) Protocol™, Document Separation Protocol™ and associated systems are proprietary.

You must not:

  • replicate or adapt the system structure
  • use it to create competing products
  • reverse engineer any part of the system

Trademark and patent protections apply where relevant.

11. Content Accuracy

We aim to provide accurate and up-to-date information, however:

  • content may contain errors or omissions
  • information may change over time

If you identify a genuine issue with printed materials, we will correct or replace affected pages where appropriate.

12. Kit Customisation Service

Our Kit Customisation Service allows you to request modifications to the structure and/or sections of your handbook and Security Manager, prior to having it sent to you.

This service is:

  • charged per hour
  • completed within the time purchased

If additional time is required, we will pause work and contact you before continuing.

13. Personal Assistance Service

Our Personal Assistance Service provides one-on-one support via phone or online meeting.

  • charged per hour
  • additional time must be purchased to continue

We will work with you to schedule a suitable time and use the session to guide you through your questions or setup.

14. Orders & Payments

All prices are in Australian Dollars (AUD) and may be changed at any time without notice. Any price change will not affect an order already accepted and paid for.

Payments are processed securely via third-party providers (such as PayPal, Stripe, GooglePay and ApplePay). We do not store your payment details.

To protect customers and reduce fraud risk, we may:

  • verify order details
  • place orders on temporary hold
  • cancel orders where verification cannot be completed

15. Shipping & Delivery

We aim to dispatch orders promptly and keep you informed throughout the process.

For full information, please refer to our Shipping Policy.

16. Refunds & Returns

Your rights are protected under Australian Consumer Law.

Where required, we will:

  • replace faulty or damaged goods
  • provide a refund where legally required

For full information, please refer to our Refunds & Returns Policy.

We aim to be fair and reasonable in resolving issues.

We do not offer refunds for change-of-mind purchases.

17. Third-Party Links & Services

Our website may include links to third-party websites or services. We are not responsible for their content, availability or practices.

18. End-of-Life Planning Directory

The Handbook of Your Life® End-of-Life Planning Directory is provided as a community resource to help people find businesses, professionals, organisations and services relevant to end-of-life planning and related support.

Submission of a listing does not guarantee that a listing will be accepted, published or remain published. Handbook of Your Life® reserves the right, at its discretion, to approve, edit, decline, suspend or remove a listing at any time, including where a listing is no longer considered relevant, accurate, appropriate or consistent with the purpose of the Directory.

Directory listings may include information provided by the listed business, professional or organisation, or information supplied or approved by an authorised representative. Listing providers are responsible for ensuring that their information is accurate and for advising us of material changes.

Inclusion in the Directory does not constitute an endorsement, recommendation, accreditation or guarantee by Handbook of Your Life®. Users should make their own enquiries and seek appropriate professional advice before engaging a listed provider.

Handbook of Your Life® does not guarantee the accuracy, availability or ongoing operation of any listed business, professional, organisation, website or service, nor do we guarantee that a listing will generate enquiries, referrals, website traffic or other results.

Information supplied for the purpose of creating or maintaining a Directory listing may be used to:

  • assess, prepare, publish and administer the listing;
  • contact the listing provider regarding their listing, updates or corrections;
  • verify information where reasonably required; and
  • where the listing provider has agreed, contact them about relevant Handbook of Your Life® community initiatives, collaboration opportunities, events, resources or the Community Partners Network.

Personal information will otherwise be handled in accordance with our Privacy Policy.

A listing provider may request an update or removal of their listing by contacting Handbook of Your Life®.

19. Prohibited Use

You must not use our website or services:

  • for unlawful purposes
  • to distribute harmful or malicious content
  • to interfere with website functionality or security
  • to copy or scrape content

We may suspend or terminate access for breaches.

20. Disclaimer of Warranties

We’ve designed our website, products, and services to be practical, clear and genuinely helpful.

However, we can’t guarantee that everything will always be uninterrupted, error-free or produce a specific outcome in every situation.

This includes website access, content accuracy and the results achieved from using the handbook or related systems.

Your experience will depend on how the information is completed, maintained and used over time.

If you ever come across something that doesn’t seem right, please reach out — we’re always happy to help where we can.

21. Limitation of Liability

We’ve created Handbook of Your Life® to provide a practical system that supports organisation and clarity.

However, as the handbook relies entirely on the information entered and maintained by you, we are not responsible for outcomes that depend on that information.

To the maximum extent permitted by law, Handbook of Your Life® is not liable for:

  • incorrect, incomplete, or outdated information entered by you
  • loss of your documents, codes or access information
  • misuse or misunderstanding of the system
  • outcomes resulting from reliance on handbook content
  • delays or complications in personal, family or estate matters
  • outcomes related to Loved Ones Support

Where liability cannot be excluded under Australian Consumer Law, it is limited to:

  • replacement of the product, or
  • refund of the purchase price

22. Indemnity

You agree to indemnify Handbook of Your Life® against any claims, losses or expenses that arise as a result of:

  • your misuse of the products or services
  • your breach of these Terms of Service
  • any information you record, share or rely on using the handbook

This includes situations where your use of the system leads to a dispute, claim or legal issue involving a third party.

23. Privacy

Your personal information is handled in accordance with our Privacy Policy.

24. Changes to Terms

We may update these Terms from time to time.

The latest version will always be available on our website. Continued use of our website or products means you accept any updates.

25. Governing Law

These Terms of Service are governed by the laws of Queensland, Australia.

26. Contact

If you have questions about these Terms of Service, please contact Handbook of Your Life®