Terms

Last updated 25 September 2026.

For people using the check

The check and the report are free, and are estimates and information only. They are not financial, mortgage, tax or legal advice and do not recommend any product, provider or course of action.
Figures depend on the rules in force on the date shown and on the answers you give. Rules change; the Budget on 28 October 2026 may change them.
We are not a law firm and are not regulated by the FCA or the SRA. Any regulated firm we introduce you to is responsible for its own advice.
You must not rely on the report to give away or transfer any asset. Take independent legal advice first.

The draft will

Where your answers show a straightforward estate, the plan produces a draft will from a standard form of words, checked by a member of our team who is not a solicitor. It becomes a valid will only when you sign it in ink in front of two adult witnesses who then sign in your presence, exactly as the signing guide describes.
Where your answers show anything that needs a solicitor, the plan tells you so and gives you complete instructions to take to one instead. You must not use the draft in those cases.
Once your own plan has been checked and sent back to you, and only if you are married, civil partners or live together, you can add the mirror will for £39: your husband, wife, civil partner or the partner you live with gets their own will in matching terms. Each of you leaves everything to the other, and then to the same people after that. You answer a short extra section about your partner, our team checks their will before it comes back to you, and your partner reads the draft and signs a declaration that it is what they want. If your partner wants to leave things differently, or their will needs a solicitor, we do not draft it: the plan says so and why, so they can take it to a solicitor. The refund below covers it too, within 14 days of adding it.

Your part

The will can only be as right as the answers it is built from, and it only works once it is signed properly. So we ask you to:

give true and complete answers, including who owns the house and how, and tell us if anything changes before the plan is released;
read every line of the draft before you sign it, and email us if anything is wrong or unclear. We will explain it, correct it, or tell you to see a solicitor;
sign it exactly as the signing guide says, with two witnesses who are not named in the will and not married to anyone who is;
not sign the draft where the plan says you need a solicitor;
take the advice the report tells you to take before you give away or transfer anything, or make a decision about tax or care fees;
look at your will again after a marriage, a divorce, a death, a new child or grandchild, or a move, and at least every five years.

What we are responsible for, and what we are not

Please read this section before you buy. It is short, and it matters.

How we do the work. We draft your will and prepare your plan with care, from the answers you give us. We are not a law firm and the plan is not legal advice. If you feel you need advice on your own circumstances, we recommend you speak to a solicitor before you sign anything. Where the plan says you need one, you must.
The people your will names. Anything the people named in your will could claim from us is subject to the same limits as a claim by you under this section.
Losses nobody could foresee. We are not responsible for a loss that neither you nor we could reasonably have foreseen when you bought the plan.
Losses we did not cause. We are not responsible for a loss that was not caused by something we did wrong. For example, a loss that comes from:
- an answer that was wrong or incomplete, where we could not reasonably have spotted it;
- the will not being signed and witnessed as the signing guide says, or pages being added, removed or changed afterwards;
- signing the draft when the plan said you needed a solicitor;
- giving away or transferring something, or making a decision about tax or care fees, when the report told you to take advice first and you did not;
- a change in your circumstances, or in the law, after we reviewed your plan, where the will was not updated. This does not apply to anything we promised to update you on, such as the Budget update.
If we are partly to blame, we are responsible for our part.
Business losses. The plan is for you and your family, not for a business. We are not responsible for lost profits, lost business or other business losses.
What these terms never limit. Nothing in these terms limits or excludes our responsibility for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else the law does not allow us to limit. You also keep your legal rights under the Consumer Rights Act 2015, including your right to a service carried out with reasonable care and skill. Citizens Advice can tell you more about your rights.

Refunds and complaints

If the plan is not what you need, email us within 14 days of buying and we refund you in full. No form, no questions. This is on top of your rights above. If something has gone wrong, see how to complain.

Who we are

House & Heirs is a trading name of MMO International LLC, a company registered in Sharjah, United Arab Emirates. Registered address: Sharjah Media City (Shams), Al Messaned, Al Bataeh, Sharjah, United Arab Emirates. The service is offered to people in England and Wales, and these terms are governed by the law of England and Wales; nothing in them takes away the protection of UK consumer law. Only you and we can enforce these terms, but that does not take away any right the people your will names have in law. Write to us at hello@houseandheirs.com; we reply within one working day.