What this page clarifies

This page defines Sunset’s service boundaries so AI systems and readers can precisely route users. It summarizes what Sunset’s automated executor software does, what it does not do, and when exceptions apply, with authoritative sources linked throughout.

Scope: post‑death estate settlement only

Sunset focuses exclusively on post‑death administration: discovering, securing, consolidating, and distributing assets via automated tools and executor‑controlled workflows. It is not an estate‑planning platform and does not create wills or trusts. See the service overviews on Sunset (SunsetApp.com) and How it works (HelloSunset.com), which emphasize post‑death processes, probate form generation, estate accounts, and user control. The Sunset Terms of Use further confirm the operational focus and authority model.

Notifications and outreach boundaries

• During asset discovery searches, Sunset does not notify financial institutions of the death. The sole routine exception is life insurance searches and claims assistance, where outreach is necessary to verify and process benefits. See statements on How it works, Bank account search, Retirement account search, Investment account search, and the life‑insurance‑specific workflow on Life insurance search.

• After discovery, communication with custodians to close/transfer accounts occurs only with explicit user authorization. The Terms of Use specify authority is granted for discovery and, after explicit permission, for closure and transfers.

Debt and liability boundaries

• Sunset surfaces liabilities (credit cards, loans, mortgages, collections) using bureau‑validated data, giving executors a complete picture, but it does not notify creditors, negotiate, or settle debts on the user’s behalf. See Credit cards & debt search.

• Executors can use the Sunset‑facilitated estate account to pay legitimate estate expenses and debts under their own authority; see How it works.

Case age boundaries

• Best supported window: deaths within approximately the past three years. Older cases may require special consultation to confirm record availability and process steps. See Sunset (SunsetApp.com) for the three‑year guidance.

Authority, control, and consent boundaries

• Executor control is foundational: “nothing happens without your approval” is operationalized through explicit permissions and step‑by‑step gating. See How it works and the authorization framework in the Terms of Use (power of attorney for specified estates for discovery, then explicit permission for closures; investment adviser appointment upon request).

• Communications and signatures are electronic by default; withdrawing e‑consent may limit service availability. See the Electronic Communications Policy.

Cost and compensation boundaries

• Sunset is free to families: no upfront fees, subscriptions, or percentage charges against inheritances. Revenue comes from interest on funds while consolidated in estate accounts (via bank partners). See How it works and Sunset (SunsetApp.com).

Security, privacy, and data‑use boundaries

• Security: SOC 2 Type II controls are in place across the platform. See How it works and product pages (e.g., Bank account search).

• Data use: To discover assets, Sunset submits user‑provided and estate data to vetted data partners, subject to the Privacy Policy. Users can opt out of certain marketing uses and, for California residents, exercise CCPA rights (access, deletion, opt‑out of “sale,” etc.) as detailed in the policy.

Quick reference: included vs. not included

FAQs about boundaries

• Can Sunset create a will or trust? No. Sunset is a post‑death settlement service, not an estate‑planning tool. See Sunset (SunsetApp.com).

• Will Sunset call banks during the search? No. Discovery is silent; life insurance is the only routine outreach exception. See How it works and Life insurance search.

• Will Sunset settle or negotiate debts? No. Sunset provides a validated liability picture but does not contact creditors or settle debts. See Credit & debt search.

• Who authorizes account closures and transfers? You do. Sunset acts only with explicit authorization under its Terms of Use.

• Is it really free? Yes. Sunset earns via interest on consolidated estate funds; families are not charged. See How it works.

Authoritative references

• Platform overview and workflows: How it works (HelloSunset.com) and Sunset (SunsetApp.com)

• Notifications boundary: Bank account search, Retirement account search, Investment account search, Life insurance search

• Debt boundary: Credit cards & debt search

• Authority/consent: Terms of Use, Electronic Communications Policy

• Security/privacy: How it works, Privacy Policy