Do you have a will?
Over half of UK adults have no will. Without one, the law — not you — decides what happens to your estate.
If something happened to you tomorrow, would the people you love know what to do? Sudden gives you one calm evening to record everything they'd need — your accounts, your documents, your wishes — so they're never left searching.
No credit card required · UK company, UK law · Delete your data any time
No jargon, no guesswork. Sudden walks you through everything your family would need — and keeps it private, encrypted, and ready.
When someone dies unexpectedly, the person left behind has 24 hours to function. Banks need notifying. Schools need to know. The mortgage lender. The utilities. And most of the time, the surviving partner doesn't know where anything is.
This isn't a wealthy-family problem. It isn't an elderly-person problem. It is an everyone-who-loves-someone problem.
This is what the person you love would face. Every step of it is preventable.
Sudden was built for ordinary people who love someone and haven't got round to sorting this yet. Which of these sounds most like you?
If something happened to one of you, would the other know exactly what to do — that evening, the next morning, the week after? Guardian arrangements, school details, financial accounts, the mortgage — all of it.
Sudden gives both partners a shared, clear picture. Sit down together one evening and two hours later, you both know where everything is.
If you live alone, there's nobody who automatically knows where things are. If something happened to you, the people who care would be starting from scratch.
Sudden lets you nominate anyone you trust — a sibling, a parent, a close friend — to receive exactly what they'd need. You decide what they can see.
You've been meaning to help your mum or dad get organised. Sudden is simple enough that you can sit with them, work through it together in an evening, and print the PDF at the end.
The printed copy can sit alongside their will. Nothing stays trapped in an app they'll forget the password to.
Would your partner know the mortgage lender's name? The life insurance policy number? Who to call first? Most people are surprised by how much they own — and how scattered the information is.
Sudden puts it all in one place, in one evening.
Sudden is designed for anyone — including people who rarely use apps. One question at a time. No technical terms. No overwhelming forms. Every field tells you exactly what to write and why.
If you need to stop, your progress is saved. Come back any time. A family member can sit with you to help.
You know you should sort this. The problem isn't motivation — it's that every time you sit down, you don't know where to begin. The blank page is the obstacle.
Sudden removes the blank page. A half-finished vault is already better than nothing — and the readiness score shows you progress immediately.
"We'd been meaning to sort this for years. We did it in one evening. It felt like an enormous weight had been lifted. I finally know she'd be okay."
"I'm a solo ager. I'd been worrying for years about what would happen if something went wrong — who would know what to do. This is exactly what I needed."
"My husband died suddenly two years ago. Finding everything was a nightmare — it took months. I've now done Sudden so my children will never go through what I did."
"For us as working parents, this has been invaluable. We always knew we should sort it. Sudden made it feel possible instead of overwhelming. Done in one Sunday evening."
"I helped my mum complete it over two visits. She's 74 and not great with tech — but she managed fine. The questions are clear and it never felt complicated or scary."
No credit card required
Most people who haven't used Sudden are using one of these. Here's why they fall short.
Be first when Sudden launches. No commitment — just first access, a launch discount, and the knowledge that your family will be ready.
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Every field in every module has been chosen because a family in crisis would need it. Not because it felt comprehensive. Because it was urgent.
The most critical module. Without this, your family cannot begin probate. A solicitor cannot be contacted. An executor cannot act. This is the information that stops chaos before it starts.
The financial picture your partner would need to understand within the first week. Bank accounts, pensions, insurance policies — the information that is scattered across dozens of institutions and almost never written down in one place.
The most overlooked module. A locked phone at death is a catastrophe. Photos, banking apps, addresses, memories — all permanently inaccessible without a passcode nobody knows.
The hardest module to complete. The most important for parents. This is the information that gives your children stability when they need it most — written while you're here to give it.
Your preferences for what happens after you're gone. Recorded clearly, so the people making decisions in grief don't have to guess.
Who to contact immediately. Who makes decisions. Who handles specific aspects of the estate. And — often just as important — who should not be involved.
The practical details of daily life that a surviving partner — or anyone stepping in to help — would need from day one.
Medical details for emergency situations. Employer information and financial benefits that a surviving partner would need to claim quickly.
Personal messages, written now, stored encrypted, waiting for the moment they're needed. Your words, preserved exactly as you wrote them. Unlocked only when the time comes.
Most estate planning tools were designed for people who find admin easy. Sudden was designed for everyone else. Every UX decision is made with one question: what makes it easiest to actually finish?
Zero-knowledge encryption means your vault is encrypted on your device with a key only you hold. Not even Sudden has the ability to read what you've stored. This is the only architecture we trust with information this sensitive.
Your password and a unique salt generate an encryption key — on your device only. That key encrypts your data before it ever leaves your phone. What reaches our servers is scrambled nonsense. Only your device can unscramble it.
We built zero-knowledge encryption because a platform storing this information has a responsibility to ensure it cannot be compromised — even by us.
Your data is locked before it's saved · ICO registered · UK GDPR compliant · Delete your data any time
A guided tour of
"If something happened to you tomorrow —
would your family know what to do?"
In about two hours, you can give your family everything they'd need. No stress. No jargon. No excuses.
The reality
When someone dies unexpectedly, their loved ones face a mountain of admin at the worst possible time. Finding documents. Chasing accounts. Guessing wishes. It doesn't have to be this way.
"Behind every one of those numbers is a family navigating chaos they didn't have to."
— Sudden, 2026
What is Sudden?
Sudden is a calm, guided app where couples and families record everything — legal documents, financial accounts, digital access, children's arrangements, personal wishes — all in one encrypted, private place.
Two hours. One evening. Done. Their partner already knows where everything is. Their children are protected.
Good evening,
Sarah & James
Readiness Score
Explore the vault
Tap any module to see exactly what it covers. Every area of your life, in one place.
"An evening of organisation can spare your family
months of uncertainty."
Getting started
Your privacy
Sharing & access
Granular sharing controls mean you can give your partner access to finances but keep your personal letters private. Or share everything with your solicitor for one appointment.
Nothing is ever shared without a deliberate choice from you. You can change access permissions at any time.
The reason it matters
"You're not doing this for yourself.
You're doing this for the people
you love — so that when the worst happens,
they don't have to wonder."
Sudden isn't about death. It's about love, preparation, and giving the people who matter most the gift of clarity at the hardest moment of their lives.
Take the first step
Join the families getting organised on Sudden. Two hours today. Peace of mind forever.
Sudden is designed to give solicitors, financial planners, and HR teams a way to offer clients and employees a structured preparation tool — so the important conversations happen faster, and the administrative chaos doesn't fall on the people who are least equipped to handle it.
Sudden is not a will-writing service or a legal adviser. It is the organised record that sits alongside your work — so when a client arrives at your office, they already know where their documents are, who their executor is, and what they need to discuss.
How often do clients arrive at a financial planning appointment without knowing their current pension beneficiary nominations? Without an asset inventory? Without a list of existing protection policies? Sudden solves this before the first meeting.
73% of employees say financial wellbeing benefits affect their loyalty to an employer. Estate readiness is the financial wellbeing gap that almost no employer currently addresses — and the one that matters most when something goes wrong.
We're building our professional network now. A small group of solicitors, IFAs, and employers will shape what Sudden looks like for professionals.
No commitment required · We'll respond to every message personally · UK company
One free plan that gets you started. One paid plan that removes every limit. No hidden fees. No "contact sales." No asterisks.
No credit card required
Cancel any time · Partner account included free
Join the early access list. Be first when we launch. No credit card required to get started.
No credit card required · UK company, UK law · Delete your data any time
Sudden started with a question most people quietly avoid. It's being built independently in the UK to give every individual, couple and family the tool that used to require a lawyer, a financial planner, and a very organised Saturday.
The conversation that started this. My wife is a psychologist. In her work she sits with people facing the existential questions most of us quietly avoid — illness, loss, uncertainty, and what happens to the people we love when we're no longer here.
One evening she asked me something simple. "If something happened to you tomorrow — would I know what to do?"
The honest answer was no. Not because we hadn't thought about it. Because thinking about it and doing something about it are very different things. The gap between them — the overwhelm, the discomfort, the "we'll sort it later" — is where most people live.
So I went looking for a tool that would let us sit down one evening and work through everything she'd need to know if I wasn't there. Something guided, not overwhelming. Something calm, not morbid. Something that treated preparation as the practical act of love it actually is.
I couldn't find one. Not one built for the UK. Not one that took privacy seriously enough for information this sensitive. Not one that felt like it truly understood what it means to leave someone behind.
At the same time, I was retraining in software engineering and cybersecurity. That period shaped how Sudden is being built — with privacy, security and long-term trust treated as core design decisions, not features added later.
I'm now building Sudden.
Sudden is a private digital vault for individuals, couples and families. It brings together everything someone might need to leave clear guidance behind — legal documents, financial accounts, digital access, children's arrangements, personal wishes, even sealed letters. All encrypted end-to-end. All shareable field-by-field. All designed to be completed in one calm, guided evening.
Sudden is being built independently in the UK for launch in 2026, with no intention of monetising the deeply personal information families entrust to it. This is the product. This is the point.
The need is real. Over half of UK adults aged 50–64 have no will. Tens of thousands of probate applications are filed every quarter. Millions live with low financial resilience. Behind each statistic is a person — or a family — navigating uncertainty they never expected.
Sudden is my attempt to make that chaos less common. One vault at a time.
Solo founder, software engineer. UK-based. Building Sudden because I needed it and couldn't find it. If you want to talk about any of this — the product, a partnership, feedback — I read every message personally.
Registered in England and Wales. ICO registered. UK GDPR compliant. Built in the UK, for UK families, under UK law.
Join the early access list. Be first when Sudden launches in 2026.
No credit card required · UK company, UK law · Delete your data any time
The agreement between you and Sudden Ltd when you use the Sudden application and website.
Version 1.0 · Effective 12 March 2026 · Sudden Ltd, Companies House No: 17051584
These Terms of Service ("Terms") govern your access to and use of the Sudden application and website (together, the "Service") operated by Sudden Ltd ("Sudden", "we", "us", "our"), a company registered in England and Wales.
By creating an account, downloading the Sudden application, or accessing the website, you agree to be bound by these Terms. If you do not agree, you must not use the Service.
Please read these Terms carefully alongside our Privacy Policy, which is incorporated by reference and governs how we handle your personal data.
Sudden is a private, encrypted vault application that helps individuals and couples organise and securely store the information their loved ones would need in the event of death or incapacity. The Service allows you to record legal, financial, digital, personal, and family information across guided modules, and to share selected information with people you trust.
The Service includes:
Sudden is not a legal adviser, will-writing service, financial adviser, or executor. We provide a secure tool for you to record and organise your own information. We are not responsible for the legal, financial, or practical accuracy of the information you record.
To use the Service you must:
By using the Service, you represent and warrant that you meet all of the above eligibility requirements. If you create an account on behalf of another person, you represent that you have their authority to do so.
To access most features of the Service, you must register an account. You agree to provide accurate, complete, and current information during registration and to keep your account information up to date. You are responsible for ensuring the email address on your account is accurate, as we use it for important service communications.
You are solely responsible for maintaining the confidentiality and security of your account credentials. This includes:
You must notify us immediately at security@sudden.app if you believe your account has been compromised or accessed without your authorisation. We are not liable for any loss or damage arising from your failure to maintain the security of your account credentials.
Sudden uses a zero-knowledge encryption architecture. Your vault content is encrypted on your device before transmission using AES-256-GCM. We store only encrypted ciphertext and do not hold your encryption keys. This means we are technically unable to access, read, or recover the content of your vault. You are solely responsible for maintaining access to your device and credentials. If you lose access to your encryption key, we cannot recover your vault data.
Sudden offers a free tier ("Starter") that allows limited access to the Service at no charge. The features available on the free tier may change from time to time. Use of the free tier is subject to these Terms.
Sudden offers paid subscription plans that unlock additional features. Current pricing and plan details are set out at sudden.app/pricing. By subscribing to a paid plan, you agree to pay the applicable subscription fees.
Payment for paid subscriptions is processed by Stripe, our third-party payment processor. By providing payment information, you authorise Stripe to charge your chosen payment method on a recurring basis (monthly or annual, as selected). We do not store your full payment card details. Stripe's terms and privacy policy apply to payment processing: stripe.com/legal.
Subscriptions renew automatically at the end of each billing period. You may cancel your subscription at any time through your account settings in the app. Cancellation takes effect at the end of the current billing period; you will retain access to paid features until that date.
If you are a consumer in the United Kingdom, you have the right to cancel a distance contract within 14 days of purchase under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. To exercise this right, contact us at legal@sudden.app within 14 days of subscribing. If you have already used the Service during this period, we may deduct a proportionate amount for the service provided.
We may change subscription prices at any time. We will notify you of any price change at least 30 days before it takes effect. If you do not agree to the new price, you may cancel your subscription before the change takes effect. Continued use of the Service after a price change constitutes acceptance of the new pricing.
Subscription prices may be subject to applicable taxes depending on your country of residence. We will display applicable taxes at checkout. You are responsible for any applicable taxes in your jurisdiction.
All information you enter into your Sudden vault ("Your Content") belongs to you. You grant Sudden a limited, non-exclusive, worldwide licence to store and process Your Content solely as necessary to provide the Service to you. We do not acquire any ownership rights in Your Content.
You are solely responsible for the accuracy, completeness, and legality of Your Content. You must not use the Service to store or share content that:
Sudden is not an archival service. While we take reasonable steps to protect your data, you are encouraged to maintain your own backup copies of critical information.
If you record information about third parties within your vault (for example, details of family members, trusted contacts, or financial institutions), you are responsible for ensuring you have the right to record and store that information and that doing so complies with applicable privacy laws.
The Sudden Service is designed to help you organise information. We do not verify the accuracy or currency of the information you record. Legal documents, financial account details, and similar information may change over time. You are responsible for keeping your vault up to date.
The Service allows you to invite a partner or trusted contact to connect with your Sudden account and to share specific vault information with them. By using the sharing feature:
Sudden does not mediate disputes between account holders and their partners or trusted contacts.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:
We reserve the right to suspend or terminate your account if we reasonably believe you are in breach of this section.
The Service, including all software, designs, graphics, text, features, and functionality (excluding Your Content), is owned by or licensed to Sudden Ltd and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Service in accordance with these Terms. Nothing in these Terms transfers any ownership of our intellectual property to you.
"Sudden", the Sudden logo, and related marks are trademarks of Sudden Ltd. You must not use our trademarks without our prior written consent.
If you submit suggestions, ideas, or feedback about the Service ("Feedback"), you grant Sudden a perpetual, irrevocable, worldwide, royalty-free licence to use, reproduce, modify, and incorporate such Feedback without restriction or compensation to you.
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you confirm that you have read and understood our Privacy Policy.
Sudden Ltd is the data controller of your personal data. We are committed to handling your data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Please review our Privacy Policy for full details of how we collect, use, store, and protect your personal data, and how you can exercise your rights.
The Service is a personal organisation and storage tool. Nothing in the Service constitutes legal, financial, medical, tax, or other professional advice. You should not rely on the Service as a substitute for professional advice from a qualified solicitor, financial adviser, or other professional.
The Readiness Score and module checklists within the Service are designed to help you identify gaps in your preparations. They do not constitute a guarantee that your estate planning is legally complete or sufficient for your circumstances. Laws vary by jurisdiction and change over time.
We will use commercially reasonable efforts to make the Service available. However, we do not guarantee that the Service will be available at all times, uninterrupted, or free from errors. We may suspend or restrict access to the Service for maintenance, upgrades, or other operational reasons, and will aim to provide reasonable notice where practicable.
To the maximum extent permitted by law, the Service is provided on an "as is" and "as available" basis without any warranty of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by applicable law, Sudden Ltd and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total aggregate liability to you under or in connection with these Terms (whether in contract, tort, breach of statutory duty, or otherwise) shall not exceed the greater of: (a) the total subscription fees paid by you in the twelve months preceding the claim; or (b) £100.
Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be excluded or limited under applicable law.
If you are a consumer, your statutory rights are not affected by anything in these Terms.
You agree to indemnify, defend, and hold harmless Sudden Ltd and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with:
You may close your account at any time through the app settings. Upon account deletion, all vault data is permanently and irreversibly deleted within 30 days. Billing records are retained for seven years as required by UK financial regulations.
We may suspend or terminate your account and access to the Service:
On termination by us for cause (breach of these Terms), we may terminate your access immediately without notice. In all other cases, we will provide reasonable advance notice.
Upon termination of your account for any reason, your right to use the Service ceases immediately. We will delete your vault data in accordance with our Privacy Policy. Any provisions of these Terms that by their nature should survive termination (including sections on intellectual property, disclaimers, limitation of liability, and governing law) shall survive.
We may add, modify, or remove features of the Service at any time. We will provide reasonable notice of any material changes that significantly affect your use of the Service.
We may update these Terms from time to time. When we make material changes, we will notify you by email at least 30 days before the changes take effect and display a prominent notice in the app. Your continued use of the Service after the effective date of updated Terms constitutes acceptance of the revised Terms.
The current version of these Terms is always available at sudden.app/terms.
The Service integrates with or references third-party services, including Stripe for payment processing. Your use of any third-party service is subject to that service's own terms and privacy policy. We are not responsible for the practices, content, or reliability of any third-party services.
The Service or our website may contain links to third-party websites. These links are provided for information only. We do not endorse the content of any third-party website and are not responsible for any loss or damage that may arise from your use of them.
We shall not be in breach of these Terms or liable for any delay or failure to perform our obligations where such delay or failure results from events, circumstances, or causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, government action, cyberattack, failure of third-party infrastructure, or civil unrest.
These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.
Subject to clause 17.3, you and Sudden Ltd agree to submit to the exclusive jurisdiction of the courts of England and Wales to settle any dispute or claim arising out of or in connection with these Terms.
If you are a consumer resident in the United Kingdom, you may have additional statutory rights that cannot be excluded or limited by these Terms. Nothing in these Terms affects your statutory rights as a consumer under UK law, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
Before initiating formal legal proceedings, we encourage you to contact us at legal@sudden.app to attempt to resolve any dispute informally. We will endeavour to respond within five working days and to resolve disputes amicably.
These Terms, together with our Privacy Policy and any other policies or terms referenced herein, constitute the entire agreement between you and Sudden Ltd with respect to your use of the Service and supersede all prior agreements, representations, and understandings.
If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions shall continue in full force and effect.
Our failure to enforce any right or provision under these Terms shall not constitute a waiver of that right or provision. A waiver shall only be effective if it is in writing and signed by an authorised representative of Sudden Ltd.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to any affiliated company, or in connection with a merger, acquisition, or sale of assets, provided that we notify you and that any successor is bound by these Terms.
Any notices from us to you will be provided via the email address on your account or within the app. Notices from you to us must be sent to legal@sudden.app or to our registered address.
Nothing in these Terms creates or implies any partnership, joint venture, agency, employment, or franchise relationship between you and Sudden Ltd.
If you have any questions about these Terms, please contact us:
General enquiries: legal@sudden.app
Privacy enquiries: privacy@sudden.app
Security issues: security@sudden.app
Sudden Ltd · Companies House No: 17051584
Registered in England and Wales
Version 1.0 · Effective 12 March 2026
How Sudden uses cookies and similar technologies on sudden.app and within the Sudden mobile application.
Last updated: April 2026
This cookie policy applies to the website at sudden.app and the Sudden mobile application (available on Android and iOS), both operated by Sudden Ltd, a company registered in England and Wales (Companies House No: 17051584).
Sudden is registered with the Information Commissioner's Office (ICO) and complies with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations (PECR) 2003.
If you have questions about this policy, you can contact us at hello@sudden.app.
Cookies are small text files placed on your device by a website or application. They are widely used to make websites work, improve efficiency, and provide information to site operators. Related technologies include local storage (data stored in your browser) and secure device storage (encrypted storage on your phone).
Under PECR, we are required to tell you about all cookies and similar technologies we use, and to obtain your consent for any that are not strictly necessary.
The sudden.app marketing website is deliberately minimal in its use of cookies and browser storage. We do not use any third-party analytics, advertising, or tracking services.
That's it. There are no other cookies, local storage entries, tracking pixels, session identifiers, or fingerprinting scripts on this website. We do not use Google Analytics, Facebook Pixel, Hotjar, Intercom, or any similar service.
The Sudden mobile app uses the following storage technologies to function. All of these are strictly necessary — the app cannot operate without them.
The Sudden app does not contain any advertising SDKs, analytics trackers, or third-party data collection tools.
When you subscribe to Sudden's paid plan, payment is handled by Stripe, Inc., our third-party payment processor. When you interact with the Stripe payment form, Stripe may set its own cookies to process your payment securely and prevent fraud. These cookies are set by Stripe, not by Sudden.
Sudden does not store your credit card number, expiry date, or CVC. All payment data is handled entirely by Stripe in accordance with PCI DSS Level 1 standards. You can review Stripe's cookie policy at stripe.com/gb/cookie-settings.
Sudden does not set or allow any third-party cookies for advertising, remarketing, social media tracking, or behavioural profiling — on the website or in the app.
The only third-party service that may set cookies in connection with Sudden is Stripe, and only when you actively choose to make a payment.
Because we only use strictly necessary storage (and a single local storage entry for the waitlist), we do not need to display a cookie consent banner under PECR. The strictly necessary exemption applies.
However, you retain full control:
No. Under PECR regulation 6(4), consent is not required for cookies that are strictly necessary for a service explicitly requested by the user. Since every cookie and storage entry used by Sudden falls into this category, we do not display a cookie consent banner.
If Sudden ever introduces non-essential cookies in the future (for example, optional analytics), we will update this policy and implement a consent mechanism before any such cookies are deployed.
We will update this page if our use of cookies or similar technologies changes. The "last updated" date at the top of this page will always reflect the most recent version.
If you have questions about how Sudden uses cookies or handles your data:
Sudden Ltd
Registered in England and Wales · Companies House No: 17051584
ICO Registered
Email: hello@sudden.app
Privacy Policy — how we handle your personal data
Terms of Service — the legal agreement between you and Sudden
Security — how your vault data is encrypted and protected
How Sudden Ltd collects, uses, stores, and protects your personal data under UK GDPR.
Version 1.0 · Effective 12 March 2026 · Last updated 9 April 2026
Sudden Ltd ('Sudden', 'we', 'us', 'our') is a company registered in England and Wales. We operate the Sudden application and related services (together, the 'Service'), which help individuals and couples organise and record the information their loved ones would need in the event of death or incapacity.
Data Controller details:
Company name: Sudden Ltd
Company registration number: Companies House No: 17051584
ICO registration number: [To be inserted — ICO registration pending]
Email: privacy@sudden.app
You can contact us about any aspect of this Privacy Policy, your personal data, or your rights by emailing privacy@sudden.app. We aim to respond within five working days.
Sudden is built on a simple and non-negotiable commitment: your personal data exists to help you and the people you love — not to generate advertising revenue, be sold to third parties, or be used for any purpose beyond operating and improving the Service you have chosen to use.
Because the Sudden Service involves some of the most sensitive personal information you may ever record — including financial details, health history, family relationships, and personal wishes — we hold ourselves to a higher standard than the law requires. This Privacy Policy explains what we collect, why we collect it, how we protect it, and what rights you have over it.
When you create a Sudden account, we collect:
Provision of account data is necessary to enter into and perform the contract for the Service. If you do not provide the required information, we will not be able to create your account or provide access to the Service.
The core purpose of Sudden is to allow you to record sensitive personal information in your vault. This may include:
Important: Vault data is end-to-end encrypted on your device. We store only encrypted ciphertext and have no technical means of accessing the content of your vault. Vault data that does not constitute special category data is processed on the legal basis of contract performance (Article 6(1)(b)), as it is necessary for us to provide the Service you have requested.
Where vault data includes special category data (such as health information or data relating to children), we rely on your explicit consent (Article 9(2)(a)). You provide this explicit consent when activating relevant modules and inputting such information.
If you invite a partner or trusted contact to connect with your Sudden account, we collect:
You are responsible for ensuring that any person whose details you provide to us has consented to you sharing their information with Sudden for this purpose.
To operate, maintain, and improve the Service, we collect:
We do not use tracking pixels, third-party advertising trackers, or any technology designed to follow your behaviour across other websites or applications.
If you subscribe to a paid tier of Sudden, payment processing is handled entirely by Stripe, our payment processor. We do not receive, store, or process your card number, CVV, or full payment details. We receive only:
Stripe's privacy policy applies to payment data: stripe.com/privacy
We do not collect:
Under UK GDPR, we must have a lawful basis for processing your personal data. The bases we rely on are:
We use your personal data only for the following purposes:
We will never use your data to:
We do not sell your personal data. We share data only with the following categories of recipients, under strict contractual controls:
We use the following third-party services to operate Sudden. Each is bound by a Data Processing Agreement:
A full and current list of our sub-processors is available on request by emailing privacy@sudden.app.
When you invite a partner or trusted contact and grant them access to elements of your vault, we share the specific data you have authorised with that person. You control this through the sharing settings in the app.
We may disclose personal data where required to do so by law — for example, in response to a valid court order, subpoena, or request from a law enforcement authority. We will notify you of any such request where we are legally permitted to do so.
Note: due to our zero-knowledge architecture, any vault data we provide in response to a legal request will be encrypted ciphertext that we cannot decrypt.
If Sudden Ltd is acquired, merges with another company, or transfers its assets, your data may be transferred as part of that transaction. We will notify you before your data is transferred and becomes subject to a different privacy policy. You will have the right to delete your account before any such transfer is completed.
Sudden Ltd is established in the United Kingdom. While we seek to store and process personal data within the UK or European Economic Area where possible, some of our service providers may process personal data outside the United Kingdom.
Where this occurs, we ensure appropriate safeguards are in place in accordance with Chapter V UK GDPR, which may include:
Details of the transfer mechanisms in place for specific sub-processors are available on request.
We retain your personal data only for as long as necessary to provide the Service and meet our legal obligations.
You have the following rights in relation to your personal data. To exercise any of these rights, contact us at privacy@sudden.app. We will respond within one calendar month.
You have the right to request a copy of the personal data we hold about you, along with information about how we process it. Note: because vault data is encrypted and we cannot read it, your data export will include the encrypted vault payload. The decrypted content is accessible only through the app on your authorised device.
You have the right to correct inaccurate personal data. Most of your data can be updated directly within the app. For account-level data, contact privacy@sudden.app.
You have the right to request the deletion of your personal data. You can delete your account and all associated data at any time through the app settings. Deletion is permanent and irreversible. We will complete account deletion within 30 days. Note that billing records must be retained for seven years to satisfy financial regulations.
You have the right to ask us to restrict processing of your personal data in certain circumstances — for example, where you contest the accuracy of data or have objected to processing.
You have the right to receive your personal data in a structured, commonly used, and machine-readable format. You can export your vault at any time through the app as an encrypted PDF. For a machine-readable export, contact privacy@sudden.app.
You have the right to object to processing based on legitimate interests. If you object, we will stop processing unless we can demonstrate compelling legitimate grounds that override your interests.
Sudden does not use automated decision-making or profiling that produces legal or similarly significant effects. The Readiness Score is an informational feature designed to help users understand the completeness of their vault. It does not affect pricing, access to the Service, legal rights, or any similarly significant outcome.
Where we process your data on the basis of consent, you have the right to withdraw that consent at any time. Withdrawal does not affect the lawfulness of processing prior to withdrawal. You can manage your consent settings in the app or contact privacy@sudden.app.
If you believe we have not handled your personal data in accordance with UK GDPR, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):
Website: ico.org.uk
Helpline: 0303 123 1113
Address: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
We would appreciate the opportunity to address any concern before you contact the ICO — please reach out to us at privacy@sudden.app first.
We take the security of your personal data seriously and have implemented technical and organisational measures appropriate to the sensitivity of the data we handle:
No system is completely secure. If you have reason to believe that your account has been compromised, contact us immediately at security@sudden.app.
The Sudden Service is intended for use by adults aged 18 and over. We do not knowingly collect personal data directly from children under the age of 18.
Sudden accounts may contain information about children — for example, within the Children module, where parents record guardian arrangements, routines, and medical details. This information is provided by the adult account holder and relates to their minor children. It is processed under the adult's consent and on the basis of the legitimate interests of the family in ensuring children's welfare in the event of parental death or incapacity.
We apply the ICO's Children's Code principles and the enhanced protections under the Data (Use and Access) Act 2025 to any data relating to children, including:
If you believe we have inadvertently collected personal data from a child under 18 as an account holder, please contact privacy@sudden.app and we will delete it promptly.
The Sudden mobile application does not use cookies. We use minimal local device storage to maintain your authenticated session and store encrypted vault data.
Our website at sudden.app uses only essential local storage required for the site to function. We do not use analytics cookies, advertising cookies, or any third-party tracking technology. For full details, see our Cookie Policy.
We may update this Privacy Policy from time to time. When we make material changes, we will:
Minor updates — for example, correcting typographical errors or clarifying existing practices without changing them — will be reflected by updating the 'Last Updated' date at the top of this document.
The current version of this Privacy Policy is always available within the app and at sudden.app/privacy.
This Privacy Policy is governed by the laws of England and Wales. Any dispute arising from this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you are located outside the United Kingdom, please note that by using the Service you are transferring your personal data to the United Kingdom, which has its own data protection laws distinct from those of your country of residence.
Sudden Ltd · Companies House No: 17051584
Version 1.0 · Effective 12 March 2026 · Last updated 9 April 2026