Terms of Service

Effective Date: October 14, 2025

Welcome to EckmanEstatePrivateBank.com (the “Site”), operated by Eckman Estate Private Bank ("Eckman Estate Private Bank,” “we,” “us,” or “our”). These Terms of Service (the “Terms”) form a binding agreement between you and Eckman Estate Private Bank governing your access to and use of the Site, our educational materials, private-member resources, consultations, trainings, applications, and any related services (collectively, the “Services”).

By accessing or using the Services, you agree to these Terms and our Privacy Policy (available at /privacy). If you do not agree, do not use the Services.

1) About Eckman Estate Private Bank (Non‑Depository; Education & Governance)

Eckman Estate Private Bank is a private, non‑depository family office and educational/governance organization. We do not accept deposits, provide retail banking, or custody customer funds as a financial institution. The Services are designed for private education, internal governance, administrative templates, and contracting frameworks. Nothing on the Site constitutes an offer to sell securities, banking services, or investment products.

No Fiduciary/Trustee Relationship Created by Use. Use of the Services does not create a trustee, fiduciary, agency, attorney‑client, accountant‑client, or financial‑advisor relationship between you and us.
Private Contracting. Certain engagements may proceed by separate private contract. Any such contract will control in the event of conflict with these Terms for the covered engagement only.

2) Eligibility & Accounts

You must be 18 years or older and have legal capacity to enter these Terms.
You are responsible for the security of your account credentials and for all activity under your account. Notify us immediately of any unauthorized use.
We may refuse, suspend, or terminate accounts at our discretion, including for breach of these Terms.

3) Services Overview

Our Services may include: educational content, courses, trainings, governance templates, private‑member materials, consultations, and related tools for estate/trust administration, indemnity bond documentation, and asset‑management policy frameworks. We reserve the right to modify or discontinue any Service at any time.

4) No Legal, Tax, Financial, or Investment Advice

The Services are provided for educational and informational purposes only. We do not provide legal, tax, accounting, financial, or investment advice, and nothing in the Services should be construed as such. Consult your own licensed professionals before making decisions.

5) No Deposits, Lending, Custody, or Securities

We are not a bank or broker‑dealer and do not provide deposit accounts, lending, money transmission, custodial services, or securities brokerage/underwriting. Do not send funds, instruments, or securities for custody. Any payments you make are solely for access to Services as described.

6) Private Contracts; Good‑Faith Dealings

Where applicable, parties engaging by private contract agree to perform in good faith, honor, and fair dealing, with clear documentation of consideration and responsibilities. Nothing herein obligates us to enter any particular arrangement.

7) Pricing, Payments, Subscriptions & Refunds

Pricing. Fees for Services (including subscriptions) are posted at point of purchase and may change prospectively.
Payment Processors. We may use third‑party processors (e.g., Stripe, PayPal, or cryptocurrency processors). Your use of those services may be subject to their terms and privacy policies.
Taxes. You are responsible for any applicable taxes unless we collect them at checkout.
Refunds. Unless a specific offer page or contract expressly states a refund policy, all sales are final. For subscriptions, you may cancel at any time; cancellation takes effect at the end of the current billing period.
Chargebacks/Disputes. Contact us first to resolve billing issues. Unfounded chargebacks may result in suspension or termination of access.

8) Intellectual Property; License to You

The Site, Services, course materials, templates, text, graphics, logos, and other content are owned by or licensed to us and protected by law. Subject to these Terms and full payment of applicable fees, we grant you a limited, non‑exclusive, non‑transferable, revocable license to access and use the content for your internal, lawful purposes. You may not reproduce, resell, redistribute, or make derivative works except as expressly permitted in writing.

9) Your Content & Conduct

Your Content. If you upload, post, or provide content, you represent you have the necessary rights and grant us a non‑exclusive, worldwide, royalty‑free license to use that content solely to operate and improve the Services.
Prohibited Conduct. You agree not to: (a) violate laws or rights of others; (b) reverse engineer or interfere with the Services; (c) upload malware; (d) use the Services to offer illegal financial products or advise others unlawfully; (e) misrepresent identity or authorization; (f) scrape, harvest, or perform automated access without permission.

10) Confidentiality & Privacy

Confidentiality. If we share non‑public materials, you agree to use them only for your internal purposes and to keep them confidential, absent our written consent or legal requirement.
Privacy. Our collection and use of personal data are described in our Privacy Policy at /privacy.

11) Third‑Party Services & Links

The Services may reference or integrate third‑party tools or links. We are not responsible for third‑party sites or services; your use is at your risk and subject to those providers’ terms.

12) Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ERROR‑FREE, SECURE, OR UNINTERRUPTED.

13) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE SERVICES IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow certain limitations; in those cases, the limitations apply to the fullest extent permitted.

14) Indemnification

You agree to defend, indemnify, and hold harmless Eckman Estate Private Bank and its officers, directors, members, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your content; (c) your violation of these Terms or applicable law; or (d) your separate contracts with third parties.

15) Compliance; Export & Sanctions

You represent that you are not located in, under the control of, or a national/resident of any country or person subject to U.S. sanctions. You agree to comply with export control and economic sanctions laws applicable to your use of the Services.

16) Governing Law; Venue

These Terms are governed by the laws of the State of Oregon, without regard to conflict‑of‑laws rules. Subject to Section 17 (Arbitration), the exclusive venue for any permitted court action is in state or federal courts located in Multnomah County, Oregon, and you consent to personal jurisdiction there.

17) Dispute Resolution; Binding Arbitration; Class Waiver

Informal Resolution. Before filing a claim, you agree to attempt to resolve the dispute informally by contacting us in writing at the address below. If we cannot resolve within 30 days, either party may commence arbitration as set forth here.
Binding Arbitration. Any dispute arising out of or relating to these Terms or the Services will be resolved by confidential, binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The seat and venue of arbitration will be Portland, Oregon. The arbitrator may award damages and equitable relief consistent with these Terms.
Class Action Waiver. Disputes will be resolved only on an individual basis and not in a class, consolidated, or representative action. You and we waive any right to a jury trial.
Small Claims Exception. Either party may bring an individual action in small claims court in Marion County, Oregon.

18) Force Majeure

We are not liable for delay or failure to perform due to events beyond our reasonable control, including acts of God, labor disputes, government actions, war, terrorism, civil disorder, failures of suppliers or telecommunications, or other force majeure events.

19) Changes to the Services or Terms

We may update the Services and these Terms from time to time. Material changes will be posted on the Site with a new effective date. Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

20) Termination

We may suspend or terminate your access to the Services at any time for any reason, including if we believe you have violated these Terms or applicable law. Upon termination, all licenses granted to you end, but sections that by their nature should survive (e.g., IP ownership, disclaimers, limitations of liability, arbitration) shall survive.

21) Notices; Electronic Communications

You consent to receive notices electronically. We may provide notices by posting to the Site, emailing the address associated with your account, or via in‑product messages. You may send legal notices to the address below.

22) Miscellaneous

Severability. If any provision is unenforceable, the remainder remains in effect.
No Waiver. Our failure to enforce a provision is not a waiver.
Assignment. You may not assign these Terms without our consent. We may assign them as part of a reorganization, merger, or asset transfer.
Entire Agreement. These Terms and any referenced policies constitute the entire agreement between you and us regarding the Services.

23) Contact

Eckman Estate Private Bank

Attn: Legal/Terms

Email: support@eckmanestateprivatebank.com

Mailing Address: c/o1862 Wiltsey Rd SE Salem, Oregon 97306