A complete will — and the system built around it.

Two distinct categories.

Documents today — Free Form Help (£0). A document service, not a portal account.

Kept current, year after year — The Household Continuity Dossier (£195 then £99/year) and The Estate Standard Seal (£495 then £199/year). Both keep the same thing up to date: all 33 records, annual reviews, the Trusted Persons Protocol, continuity checks, and your own will — a partner's mirror pair is purchased separately.

The difference is how much human help comes with it — your Valoren Advisor on the Household Continuity Dossier, a named specialist on Estate Standard Seal. The Dossier you run yourself. Seal adds a 60-minute setup session with a person, an annual review call, and a Governance Certificate.

More than most people expect, and we would rather you started there.

Free Form Help walks you through the government forms — PA1P, IHT400, BD8 and the rest — with no account and no card. The Estate Quiz and the readiness score are free. So is the Family Handover Kit checklist: the same six parts the paid Dossier maintains, laid out to print and fill in by hand.

If your household is straightforward and you will genuinely sit down and do it, the free route is the right answer and it costs you nothing.

What the paid ladder buys is that it stays true. A checklist is right the day it is filled in and drifts from there. The one-off packs write your household up for you once; the Dossier keeps it current, asks you every year, and hands it over on the day. And any of the four one-off packs comes off the Dossier's first year if you move up within 30 days — starting small never costs you more.

Yes. **Every Standard and Estate Standard Seal subscription includes a 14-day full-refund window** — cancel within 14 days of signup and email us for a full refund of everything you paid — setup and first-year fee. No questions, no conditions, no exit interview.

After the 14-day window, cancelling in Settings stops the next renewal — the cancel route takes you through to the secure billing portal to confirm. **A statutory 14-day cooling-off applies to every annual renewal** as well, per UK consumer law (DMCCA Article 14).

Free Form Help and the Estate Quiz are free permanently — there's nothing to refund because there was nothing to pay.

For the full mechanics across every cancellation scenario, see the Easy Exit Guarantee.

Yes. Cancel from your account settings, any time — the cancel route takes you through to the secure billing portal to confirm. No exit interview. No retention call.

You also have a **statutory 14-day cooling-off period** on every purchase and every annual renewal — under DMCCA and UK consumer law.

After cancellation, your filled records are exported and held for **90 days** while you finish anything outstanding. After that the data is permanently deleted.

No. Every record is a structured document. You own the content. They work without us.

Your filled records remain accessible after cancellation.

What stops is the maintenance layer — the Advisor, annual prompts, renewal tracking, prepared companion documents. The records themselves continue to function indefinitely.

Immediate digital access to your records, the Advisor (Household Continuity Dossier and above), and your portal.

Everything is formatted to print beautifully at home on archival stock — your records, the Trusted Persons Protocol card, and the operational cards. A posted pack — the Valoren Welcome presentation wallet, or a premium cloth-bound binder with the heritage seal — is a planned optional upgrade we'll offer as it opens.

If you've chosen Estate Standard Seal, your Build Session is typically scheduled within 3–5 working days.

Valoren itself is a documentation system — record-keeping and simple-will preparation (an unreserved activity) do not require regulatory authorisation. Regulated legal, tax, and financial work is delivered through Signum, the specialist practice in our group, by professionals holding the authorisations each matter requires.

Valoren prepares legally binding wills directly for straightforward estates, drafted within eligibility rules signed off by a practising solicitor (no individual solicitor review). Where regulated advice is needed — financial advice, tax, investments, or a will beyond that boundary — that work runs through Signum, the specialist practice in our group — qualified professionals for qualified matters.

The boundary is deliberate and on every page that needs it.

Yes. Sensitive fields — passwords, account numbers, PINs, recovery codes — are end-to-end encrypted on your device before they leave your browser, with a key only you hold.

We store the encrypted bytes in UK-hosted infrastructure. All other data (record names, statuses, metadata) is encrypted at rest with AES-256 and in transit with TLS 1.2+.

We cannot read your sensitive fields. If we were ordered to hand them over, we would have nothing readable to give.

This is vault-encrypted by design — see the Security page for the full technical detail.

Yes — at any time.

Between Standard and Estate Standard Seal, the price difference is pro-rated to your renewal date.

Downgrades take effect at your next renewal.

Joint household accounts are on the Year 1 roadmap.

For now, two adults in the same household can share a single Household Continuity Dossier, complete records side-by-side, and nominate each other as Trusted Persons.

Get in touch if you need anything specific.

Valoren is built for individuals and families resident in England and Wales who want their personal records held in one disciplined place — and who plan to keep using the system over the years.

If you only want a single instrument drafted in isolation and nothing else — a one-off LPA, say — a high-street solicitor may serve you just as well. Valoren's wills are prepared directly for straightforward estates, within a solicitor-signed boundary, but as part of the whole life-administration system — not a single-document tool.

For complex offshore tax structuring, contested probate, or trust litigation, our Signum specialists run the engagement — solicitor-led, with the chartered specialisms each matter requires, under one quoted price. There is no referral machinery and no commission anywhere in the structure.

Your records survive the company. Every record is a structured prepared document — you own the content, and they work without Valoren. If Standard Index Group ever ceases trading, your prepared records still open, still print, and still hold their evidence.

You can export everything at any time, and your records stay readable without Valoren. Continuity is built into the documents themselves — the records survive the operator.

For the full continuity architecture, see the Security page.

Valoren is operated by Standard Index Group, forming in England and Wales to maintain personal records with the discipline a serious life deserves. Valoren is its sole product.

Read more on the About page.