FAQ

Honest answers. Including the awkward ones.

Twelve sections covering the product, the registry, document types, search tiers, pricing, privacy, executors, lawyers, the Estate Plan™, specific scenarios, comparisons, and support.

FAQ · 80+ questions

Honest answers. Including the awkward ones.

Twelve sections covering the product, the registry, document types, search tiers, pricing, privacy, executors, lawyers, the Estate Plan™, specific scenarios, comparisons, and support. If something here doesn't answer your question, email hello@lasttreasuremap.com and we'll add it.

Basics

About the product

What is Last Treasure Map™?

Two things in one place. First, a free Will Registry that records where your will lives, who your executor is, and basic metadata — so the will can always be found after death. Second, an optional paid Treasure Map™ wizard that catalogues every account, property, business interest, insurance policy, advisor, and document — so your executor has a clean call list instead of months of detective work.

How is this different from a will?

Your will says WHO inherits. A Treasure Map™ says WHERE everything is. Without the latter, your executor has to piece together your financial life from old statements, dim memories, and cold calls to institutions. The two products are complementary — neither replaces the other.

Is this a replacement for my lawyer?

No. Your lawyer drafts the will and advises on your estate plan. We register the will's existence and inventory your assets for the executor. Many great Canadian lawyers register their clients' wills with us themselves — and our directory lists the verified ones.

What does "executor-ready" actually mean?

After you die, your executor receives (with the right authorization) a single PDF that lists every account at every institution, every property and where the deed is, every insurance policy and its beneficiary, your business interests, your advisors, and your digital credentials. Plus an estimate of estate-tax liability and probate exposure. It's the document you wish someone had handed you the last time you settled an estate.

Do you work outside Canada?

Right now, no. Our capital-gains math, LCGE, principal-residence exemption, and probate workflows are Canada-specific. We plan to add US support in 2027.

Why was Last Treasure Map™ built?

Because two professional firms — Barrett Tax Law and Donsky & Donsky Legacy Optimization — kept seeing grieving families try to settle an estate without knowing where anything was. The will is the easy part. Everything else is detective work — and it doesn't have to be.

Can my children use this on my behalf?

Yes — anyone can register a will for someone else, as long as the testator authorised it. We email the registration code to whichever address you supply. Many lawyers do bulk-registrations for entire client books.

Registry

Will Registry — basics

Is registration really free?

Yes. $0 forever — no credit card, no expiry, no per-renewal charge. We make money on optional Treasure Map™ subscriptions and on per-search fees from people who later look you up.

Do you store the contents of my will?

No. We store metadata only: where the will is physically located, who the executor is (encrypted), the date it was signed, the names of witnesses, and your aliases. The text of the will stays with your original, with your lawyer, or wherever you've chosen.

Can I optionally upload a copy of the will?

Yes. Lawyers and individuals can attach a PDF copy that's encrypted and stored in FutureVault. It's not required, and we don't surface its contents during a search — it's there for tamper-evidence and for executor unlock.

What information do I need to register?

Required: testator legal name, date of birth, where the original is stored, name of an executor. Optional but recommended: aliases / maiden name, province, date signed, witness names, executor email and phone.

How long does registration take?

About 60 seconds. We email you a registration code within seconds, plus a printable wallet card you can carry or store with your original will.

What is the registration code for?

It's the public lookup key. Your executor uses it to start the unlock flow; lawyers and family searches use it (combined with your name and DOB) to confirm a registered will exists. Treat it like an account number — share it with your executor and your lawyer, not with anyone else.

Can I register a will I haven't signed yet?

We strongly recommend registering only an actually-executed will. If you register a draft you'll need to update or supersede it once the real version is signed. There's no extra charge — we just don't want a fake will floating in the registry.

What if I move my original will to a new location?

Update the entry from /my-registrations. There's no charge to update the location. We recommend doing this whenever your will moves between your home, your lawyer's vault, or a safety-deposit box.

What if I sign a new will?

Register the new will and supersede the old one. Both actions are free. The original entry is preserved as a historical record (executors can still find it during a search) but marked superseded so the new one is the canonical answer.

Can I revoke a registration entirely?

Yes. From /my-registrations, click "Revoke". This marks the entry revoked (visible only to you and admins) and removes it from public-search results. Used when you've torn up a will without writing a new one.

Does registering a will make it legally valid?

No. Registration is a finding-aid, not a legal step. Your will's validity depends on jurisdiction-specific formalities (witnesses, signatures, capacity). We register the fact that a signed will exists; the will itself does the legal work.

Is the registry recognised by courts?

Probate courts in Canada don't yet maintain a single national registry, so private registries like ours fill the gap. A registry entry is strong evidence that a will exists and where to find it, but it's not itself a legal pronouncement. Most lawyers find that judges accept it without issue.

Beyond wills

Other documents you can register

Can I register a codicil?

Yes. A codicil is a supplement that amends an existing will. Register it as a codicil and link it to the underlying will's registration code so executors can find both during a search.

Can I register a Power of Attorney?

Yes. We support POA for Property (financial / general) and POA for Personal Care (healthcare in Ontario terminology) as separate registration types. Same flow as a will — free, with a wallet card.

Can I register a living will / healthcare directive?

Yes. We support that as a separate registration type. Critical if you have specific medical preferences (DNR, organ donation, religious considerations).

Can I register funeral wishes?

Yes. Burial vs cremation, the funeral home you'd like used, special instructions, who should sing — anything you want documented. Particularly useful when family members might disagree about the arrangements.

Why not just put all of this in my will?

Wills are read AFTER probate, which can take weeks. Funeral wishes need to be acted on in days. POAs need to be acted on while you're still alive. These are properly separate documents — and they should each have their own registry entry.

Search

Searching the registry

How much does a search cost?

Three tiers: $20 for a verified Canadian lawyer (returns Y/N + the registering lawyer's contact), $40 for a family member with government ID + selfie (returns Y/N only), $80 for an executor full unlock with death certificate + probate + ID + PIN. Prices are set 20% below Canadian Will Registry's equivalent tiers.

Why do searches cost anything?

Searches cost us money — staff time for verification, FutureVault access, fraud-prevention review, dispute handling. The fee discourages frivolous searches and funds the work that protects testators from being looked up by people with no right to know.

Do you refund unmatched searches?

No. You pay for the lookup, not the result. This mirrors Canadian Will Registry's policy and the broader industry. We see the same staff cost whether we find a match or not.

What does a lawyer-tier search return?

Y/N ("yes, a will exists" or "no match") plus the contact email of the lawyer who registered it, if any. No contents. The receiving lawyer reaches out to the registering lawyer to coordinate.

What does a family-tier search return?

Y/N only. We don't disclose who registered it, the executor's name, or any other detail. The family member gets the same answer they'd get from a phone call to the lawyer's office: "yes, there's a will" or "no".

What does the executor-tier unlock return?

Full access to the registered will (and any attached Treasure Map™) — after identity verification, a 7-day cooling-off period, and human review. This is the only tier that actually opens the file.

Can I search for myself?

If you've forgotten your own registration code, log in and the entry will appear under /my-registrations. You don't need to use the paid search for that.

Will the registering lawyer know I searched?

Yes. Every search performed against an entry their firm registered triggers a notification email with the searcher's name, email, tier, and reason. The lawyer has a 7-day window to dispute the search if it looks fraudulent.

Can I search by name only, without a date of birth?

Yes, but matches are imprecise. DOB dramatically improves accuracy. If you know it (even approximately), supply it.

Money

Pricing & payments

What does a Treasure Map™ subscription include?

Full 11-section wizard, capital-gains math for all 13 provinces, executor PDF and email-out, FutureVault encrypted storage for sensitive items, the Estate Plan™ idea generator, the free Will Registry, per-item lawyer access toggles, and annual renewal reminders.

How much does it cost?

$99/year for one adult (Complete), $149/year for a couple (Family). Free tier exists with basic snapshot, one banking institution, and a readiness score, but no PDF or email.

Can I cancel anytime?

Yes. Cancel any Treasure Map™ subscription from your account. Your data and your registry entry stay — the registry side is free forever regardless of subscription status. We don't pro-rate refunds unless the cancellation is within 14 days of purchase.

Do you offer discounts for couples or families?

Yes. The Family plan at $149/year covers two adults with a shared Treasure Map and cross-spouse beneficiary checks. Larger family discounts available — email hello@lasttreasuremap.com.

Do you offer discounts for not-for-profits or low-income individuals?

Yes. Email us at hello@lasttreasuremap.com with a brief note about your situation. We have a hardship program for fixed-income retirees and a discount for accredited not-for-profits.

What payment methods do you accept?

Stripe handles billing — major cards (Visa, MC, Amex), Apple Pay, Google Pay. Lawyer commissions are paid via Stripe Connect direct deposit. ACH and Interac e-Transfer are on the roadmap.

Will my price ever go up?

Existing paying customers receive at least 30 days' notice of any price change. We honour your current rate for 12 months after any change.

Is there a free trial?

Yes — 14 days, full Complete-tier features, no credit card required until trial end. The Will Registry side is always free regardless of trial status.

Trust

Privacy, security & encryption

Where is my data stored?

Asset descriptions, profile, and audit log: our Postgres database in Canada. Sensitive items (PINs, recovery phrases, account numbers, document blobs): FutureVault (SOC 2 Type II custodian) behind a separate encryption boundary. Backups: encrypted with independently rotated keys.

Can your staff read my data?

Plaintext access to anything sensitive (PINs, recovery phrases, account numbers, document contents) is unavailable to our staff — those items live in FutureVault and require your own credentials or your executor's verified unlock to decrypt. Asset descriptions in Postgres are accessible to support engineers only on your request.

What if your database is breached?

An attacker with full Postgres read access would see asset descriptions and metadata — not the values that let someone actually take anything. Keys, account numbers, and recovery phrases live in FutureVault, on a separate encryption boundary, with a per-user unlock path.

What encryption do you use?

At rest: AES-256-GCM on every sensitive column. In flight: TLS 1.3. Passwords: argon2id. PINs: argon2id with per-user salts. FutureVault uses its own SOC 2 Type II encryption stack.

Do you sell my data?

No. Ever. Not to insurance companies, banks, advertisers, AI training labs, or anyone else. The Estate Plan™ sponsorships only kick in when YOU click "talk to a sponsor" on a specific idea.

How do you handle PIPEDA compliance?

We're PIPEDA-compliant by default: lawful basis for every data point, minimal collection, your right to access / correct / withdraw consent / delete (subject to legal retention), breach notification within 72 hours. Provincial laws (Quebec's Law 25, BC's PIPA, Alberta's PIPA) are also honoured where applicable.

Do you support 2FA?

Yes. TOTP authenticator apps (Authy, 1Password, Google Authenticator, Bitwarden). Strongly recommended for any account with a Treasure Map™.

Does my lawyer see everything in my Treasure Map?

No. You control which items your lawyer can see, asset by asset. The default is nothing. Lawyers see only items you explicitly toggle on, and every grant or revoke is timestamped and audit-logged.

What happens to my data if I die?

It stays where it is, in our database and FutureVault, untouched, until your executor completes the unlock flow (identity verified + 7-day cooling-off + human review). Then they get read-only access. No silent transfers.

What happens if Last Treasure Map goes out of business?

Our wind-down plan: 6 months' notice to active customers, free data export in JSON + PDF, an option to transfer your registry entry to a successor registry of your choice. Registry entries are also escrowed with a third party in case we vanish overnight.

Can I export everything I have on file?

Yes. From /settings, one click downloads a JSON file with your profile, Treasure Map data, designees, and audit log entries. Sensitive items in FutureVault are listed by reference only — the contents stay in FutureVault but you can decrypt them locally with the recovery materials.

After death

Executors & unlocking

How does an executor unlock a registered Treasure Map™?

Five gates: (1) proof of death (death certificate), (2) proof of authority (probate / grant of appointment / certificate of appointment), (3) identity verification (government ID + selfie + PIN), (4) cooling-off period (7 days during which other named designees are notified), (5) human review by our team. Then read-only access opens.

I'm an executor — where do I start?

Go to /for-executors. If you have a case ID from the deceased's Executor Instructions PDF, go directly to /unlock. If you don't have it, run a paid registry search ($40 family tier, $20 lawyer tier) to confirm a registration exists.

How long does the unlock typically take?

Identity review is 1–3 business days. The cooling-off period is 7 days (30 with the affidavit path if you don't have the PIN). Typical end-to-end is ~10 days with the PIN, ~35 days without.

What if I don't have the PIN?

There's a longer path. You'll need a notarized affidavit, two reference contacts who can vouch for you, and an extended 30-day cooling-off period. The other named designees are contacted to confirm or dispute. Once everything clears, access opens.

Can multiple executors share access?

Yes. If the will names multiple executors, all of them get magic-link accounts after the unlock flow completes. Each one's access is logged individually.

Can a beneficiary dispute the unlock?

Yes, during the 7-day cooling-off period. Any named designee (executor, POA, next-of-kin listed in the Treasure Map) receives an automatic notification with a dispute link. A credible dispute pauses the unlock pending human review.

Is every reveal logged?

Yes. Every time an executor reveals a sensitive value (private key, full account number, recovery phrase) or downloads a document, we log who, when, and what. The estate or the courts can subpoena this log if needed.

What if the testator's will has been revoked or superseded?

The most recent active registration is the canonical one. If they signed a new will and registered it, that one wins. The history (revoked / superseded) is preserved for the audit trail.

What if there's no Treasure Map™ — just a will registration?

The executor still uses the unlock flow, but the only thing they receive is the will registration metadata (location, executor contact, witnesses). Most of the value of Last Treasure Map™ comes from the Treasure Map™ itself.

Practice operations

For lawyers & firms

Is the lawyer portal really free?

Yes. No platform fee, no per-will charge, no per-client charge, ever — for verified Canadian lawyers. We make our money on consumer Treasure Map™ subscriptions and per-search fees.

How do I get verified?

We check your name and bar / member number against your law society's public directory. Most verifications complete within one business day. Your status badge updates automatically. You can use the platform immediately — commissions activate once verified.

What law societies do you recognise?

All Canadian provincial law societies and the Chambre des Notaires du Québec. If your jurisdiction is missing, email us and we'll add it.

What does the 20% commission mean?

Whenever a client you attribute (via referral code or invite) subscribes to Treasure Map™, you earn 20% of the subscription every year they stay. $99 × 20% = $19.80/yr per Complete-plan client. Negotiated tier-up to 30% for high-volume firms.

Are commissions ethical?

Commissions are paid to the firm (not to an individual lawyer) for the affiliate introduction of a software subscription — NOT a referral fee for legal services. Clients are notified up front that you receive a fee. We've built the structure with input from law-society conduct rules.

How are commissions paid?

Monthly via Stripe Connect direct deposit to the firm's bank account. You get a CSV invoice each cycle for your bookkeeping.

Can I bulk-register my historical client list?

Yes. Upload a CSV via the lawyer portal. We process each row, attribute each registration to your firm, and email you the codes. There's also a downloadable CSV template at /lawyer/bulk to make formatting easy.

Can I co-brand the client portal?

Yes, for firms with 10+ active clients. We add your logo, your firm's name to the from-line on invite emails, and a custom welcome message. Email us.

Will I see my clients' Treasure Map data?

No, unless they explicitly toggle individual items on for you. You see the client's name, status (subscribed / active / not yet started), and progress percentage. Every grant or revoke is timestamped and audit-logged.

Can I invite a client who already has an account?

Yes. The invite links them to your firm, so future subscriptions are attributed to you. If they already have a referring lawyer, you'll need their permission to switch attribution.

What if a client moves to a different firm?

The client can switch their referring-lawyer designation from /settings. Past commissions remain with the original firm; new ones go to the new firm.

Free planning ideas

Estate Plan™ — the sponsored layer

What is the Estate Plan™?

An auto-generated list of planning ideas based on your Treasure Map™ data. Things like: "You have unused LCGE room", "Your RRSP beneficiary isn't your spouse — collapses on death", "Your insurance gap is $485k", "You should have a POA but don't". Free. Informational only.

Is the Estate Plan™ legal or tax advice?

No. It's a curated list of ideas to consider, informational only, with explicit disclaimers. The intent is to surface concepts so you can discuss them with the right professional (your lawyer, an accountant, an insurance broker).

Who are Barrett Tax Law and Donsky & Donsky?

Barrett Tax Law is the Canadian tax-law sponsor. They review the legal/tax ideas (LCGE, estate freeze, secondary will, RRSP designations, POA) and accept inbound consultations. Donsky & Donsky Legacy Optimization is the licensed insurance sponsor — they provide quotes if the Estate Plan flags an insurance gap.

Are sponsors required?

No. You can ignore them entirely. The ideas are still yours, free, with no sign-up required. We only forward your contact details when you click the consultation button on a specific idea.

Will I be cold-called?

No. Sponsors only contact you if you've explicitly requested a consultation through the Estate Plan page. Otherwise, you're never contacted by anyone other than us.

What planning ideas can the engine surface?

Currently 14 idea types: LCGE room, estate freeze opportunity, secondary will (Ontario), RRSP/RRIF beneficiary gap, missing POA, testamentary trust for minors, principal-residence conflict, insurance liquidity gap, family-protection gap, no policies on file, no digital recovery plan, high-bracket RRSP top-up, stale will, beneficiary-designation audit (4 sub-flags). More on the way.

What if…

Specific scenarios

I'm a non-resident of Canada with Canadian assets — does this work?

For Canadian assets, yes — the registry and Treasure Map™ work fine. Cross-border tax planning is complex and the Estate Plan™ doesn't yet model US/Canada situs rules. Talk to a cross-border specialist.

I have multiple wills (e.g. an Ontario primary and secondary).

Register each one separately and link the secondary to the primary in the registration form. We'll show both during an executor unlock.

I'm in Quebec — does notarized will registration work here?

Yes. In Quebec, notarial wills are registered with the Chambre des notaires; we record YOUR copy and the location, not the official registration. The two systems coexist and reinforce each other.

I'm in the middle of a divorce — should I wait?

No. If anything, this is when you most need to keep your designations current. Register what's true today; supersede when the new arrangements are finalised. Both actions are free.

I just moved provinces.

Update your registration's province field and consult your lawyer about whether your will needs amendments. Some provincial rules (e.g. spousal rights, formalities, EAT) differ enough to matter.

I'm a sole proprietor / corporation owner — what's special?

Business interests get their own Treasure Map™ section with LCGE tracking, key-person insurance reminders, secondary-will flagging (Ontario), and shareholder-agreement documentation. The Estate Plan™ surfaces estate-freeze opportunities at the $1M+ threshold.

I have crypto — how do I store recovery info safely?

Add the crypto holdings to your Treasure Map™ digital-assets section. The recovery phrase / private key goes into FutureVault behind a sealed-until-unlock boundary. We never store it in plaintext.

I'm worried my executor won't be capable.

Name multiple executors (primary + alternates). The Treasure Map™ pdf gives them a turn-key call list, but it doesn't excuse a poor choice. If you're worried, talk to your lawyer about a corporate trustee or co-trustees.

How we compare

Comparisons & alternatives

How is this different from Canadian Will Registry / NoticeConnect?

We're priced 20% below Canadian Will Registry's search tiers and totally free for lawyers and registrants. The asset-inventory side (Treasure Map™) is unique to us — most registries are metadata-only. See /compare for a side-by-side.

Why not just keep my will at my lawyer's office?

You can — and you should keep the original signed paper there. But your executor still needs to KNOW it's there, decades from now, after firm mergers and lawyer retirements. The registry is the permanent independent record.

Why not just write everything in a notebook?

Notebooks get lost in moves, fires, and clean-outs. They can't be searched, can't be remotely revoked, can't be revealed selectively. A digital registry plus FutureVault solves all three.

Can I use both you and Canadian Will Registry?

Yes, and many lawyers do during transition. Searchers don't gain anything from a will being in two registries, but it's harmless.

Support

Getting help

How do I contact support?

Email hello@lasttreasuremap.com for general questions. Executor-help@lasttreasuremap.com if you're trying to unlock an estate urgently (mention the case ID). Lawyers@lasttreasuremap.com for verification or commission questions. Security@lasttreasuremap.com for responsible disclosure or data-rights requests.

How fast do you reply?

Most emails are answered within one business day. Executor unlock cases are reviewed within 1–3 business days. Security disclosures within 4 hours, 24/7.

I lost my registration code.

If you registered while logged in, log in and look under /my-registrations. If you registered as a guest, email hello@lasttreasuremap.com with the email you used at registration and we'll resend the code (after a small identity check).

I lost access to my email.

Email us from a new address with a copy of your registration code and any other corroborating evidence. We'll work through it manually — there's no fully automated path here on purpose.

Is there a phone number?

Email-first by design. If you reach out to executor-help@ with the case ID, we'll call you within one business day if helpful. The asynchronous-by-default approach gives us a paper trail and protects against social-engineering attacks.

Still have a question?

Email hello@lasttreasuremap.com — most replies within one business day.

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