Terms of Service

Effective: March 21, 2026

1. Acceptance of Terms

By creating an account or using Banker's Note ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. The Service is operated by Note Holdings LLC ("we," "us," or "our").

2. Description of Service

Banker's Note is a software tool that generates client preparation memos for attorneys and fiduciaries. The memos are designed to help clients prepare for visits to financial institutions by outlining document requirements, who must be present, and relevant procedural considerations.

3. Not Legal Advice

Banker's Note is an informational preparation tool. It does not provide legal advice, financial advice, or any form of professional counsel. The memos generated by the Service reflect general procedural requirements commonly observed across major U.S. financial institutions. They are not tailored to the policies of any specific bank, credit union, or financial institution.

4. No Guarantee of Bank Acceptance

We do not guarantee that any financial institution will accept, process, or complete any transaction based on a memo generated by the Service. Individual banks may have requirements, policies, or procedures that differ from the general guidance provided. It is the responsibility of the attorney and their client to verify specific requirements with the relevant institution before any bank visit.

5. Limitation of Liability

To the maximum extent permitted by law, Note Holdings LLC and its officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service, including but not limited to: declined transactions, incomplete documentation, rescheduled appointments, financial losses, or any other outcome related to a bank visit prepared using the Service.

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

6. Professional Responsibility

You acknowledge that you are a licensed attorney, authorized fiduciary, or authorized representative acting in a professional capacity. You retain full professional responsibility for the advice you provide to your clients and the decisions you make regarding their matters. The Service is a tool to assist your practice; it does not replace your independent professional judgment.

7. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate and current information when creating your account and to notify us promptly of any unauthorized access.

8. Acceptable Use

You agree not to use the Service for any unlawful purpose, to interfere with the operation of the Service, to attempt to gain unauthorized access to our systems, or to resell or redistribute the Service without our written consent.

9. Subscription and Billing

Access to the Service requires a paid subscription after any applicable trial period. Subscription fees are billed in advance on a monthly basis. You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. We do not provide refunds for partial billing periods.

10. Data and Privacy

We collect and store data necessary to operate the Service, including account information, firm details, and generated memo content. We do not sell your data to third parties. For full details, see our Privacy Policy.

11. Intellectual Property

The Service, including its design, code, logic, and content, is the intellectual property of Note Holdings LLC. Memos generated by the Service are yours to use, distribute, and modify for your professional purposes. You may not reproduce, reverse engineer, or redistribute the Service itself.

12. Modifications to Terms

We may update these Terms from time to time. If we make material changes, we will notify you via email or through the Service. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Termination

We reserve the right to suspend or terminate your account if you violate these Terms. You may terminate your account at any time by contacting us at hello@bankersnote.io.

14. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising from these Terms or the Service shall be resolved in the courts of Delaware.

15. Contact

Questions about these Terms? Contact us at hello@bankersnote.io.