DME Terms of Service

1. What DME Is (and Is Not)

DME (Decisions Made Easy) is an online legal document preparation service operated by Decisions Made Easy, LLC, a Utah limited liability company.

DME is not a law firm. DME does not provide legal advice. DME does not represent you. Using DME does not create an attorney-client relationship between you and DME or between you and any attorney associated with DME.

DME provides templates that have been reviewed by a Utah-licensed attorney. DME's software asks you questions, records your answers, and populates those templates with the information you provide. You make every decision about your estate plan. DME does not recommend what you should choose.

If your situation is complex, if you have questions about which legal options are right for you, or if you need legal advice, you should consult a licensed attorney.

2. Eligibility

To use DME, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract
• Reside in a U.S. state where DME currently offers services
• Provide accurate, complete, and current information

DME currently offers services to residents of Utah. We plan to expand to additional states. The states we serve are listed on dme.estate.

If you live outside the states we serve, you may still browse the site, but you cannot create or purchase a plan until we are available in your state.

3. What DME Offers

DME offers a digital estate planning platform with three protection plans:

Each plan includes a defined set of documents and tools. The full list of what each plan includes is available on the pricing page at dme.estate/pricing.

DME's core services include:

• Risk Scorecard: A short assessment that helps you understand where your current plan stands.
• Document preparation: Generation of estate planning documents using attorney-reviewed templates and your inputs.
• What To Do Now: A structured view of your plan organized for the people who will need it.
• Trust Funding Workflow (Estate and Estate Plus plans): Step-by-step instructions, sample letters, and per-asset guidance for moving assets into your trust. You take every action. DME does not contact financial institutions, record deeds, or act as your agent.
• Execution guidance: Step-by-step guidance for getting your documents signed, witnessed, and notarized correctly under your state's law.
• Year 1 updates: Plan updates are included for the first 12 months at no extra cost.
• Annual updates after Year 1: $99 per year for continued access to plan updates, life event review, and document refresh.

The annual update fee is not a subscription. It is an optional renewal of your protection plan. If you do not pay it, you keep your documents but lose access to updates and life event review.

4. Important Legal Disclaimers

This section is the most important part of these Terms. Read it carefully.

4.1 No Legal Advice

DME provides legal information and document preparation. DME does not provide legal advice. The educational content on the platform (sometimes referred to as "micro-education") explains what legal terms and concepts mean. It does not recommend what you should do in your specific situation.

If you need advice tailored to your situation, you must consult a licensed attorney.

4.2 No Attorney-Client Relationship

Using DME does not create an attorney-client relationship between you and DME, between you and any attorney who has reviewed DME's templates, or between you and any DME employee or contractor.

Information you submit through DME is not protected by attorney-client privilege.

4.3 Templates Are State-Specific

DME's documents are designed for use in the state you select when you create your plan. If you move to another state, own property in another state, or have other multi-state circumstances, your plan may not fully cover your situation. Consult an attorney in any state where you have significant ties.

4.4 You Must Execute Your Documents

A generated document is not a legally valid estate planning instrument until it is properly signed, witnessed, and notarized according to the laws of your state. DME provides guidance on how to do this. You are responsible for completing execution correctly.

DME does not store or transmit executed originals to any government office or financial institution.

4.5 You Are Responsible for the Accuracy of Your Information

Every document DME generates is populated from the information you provide. If your information is incorrect, incomplete, or out of date, your documents may be invalid or ineffective. You should read every document carefully before signing.

4.6 Trust Funding Is Your Responsibility

A trust only governs assets that have been retitled into the trust. DME provides instructions, sample letters, and per-asset guidance through the Trust Funding Workflow. You are responsible for executing each step. DME does not act as your agent, does not contact financial institutions on your behalf, and does not record deeds for you.

If your trust is unfunded or partially funded at your death or incapacity, the assets outside the trust may not pass according to your plan.

4.7 Complex Situations May Require an Attorney

DME is designed for typical estate planning needs. If you have any of the following, you should consult an attorney instead of (or in addition to) using DME:

• An estate that may be subject to federal or state estate tax
• A blended family with potential conflict among heirs
• A child or beneficiary with special needs
• A closely held business with complex succession requirements
• Real property in multiple states
• Pending divorce, separation, or contested family proceedings
• A pending or recent bankruptcy
• Concerns about a beneficiary's creditors, addiction, or financial irresponsibility
• Pending litigation that could affect your estate

The Risk Scorecard is designed to flag many of these situations. If DME's filter directs you to consult an attorney, please take that recommendation seriously.

5. Your Account

To purchase a plan, you must create a DME account. You agree to:

• Provide accurate and complete information
• Keep your login credentials confidential
• Notify us promptly of any unauthorized access
• Be responsible for all activity under your account

DME offers Google sign-in, Apple sign-in, and email magic link as authentication methods. You are responsible for maintaining the security of whichever method you choose.

If you share your account with another person, you are responsible for their activity on the account.

6. Payment Terms

6.1 One-Time Plan Fee

Your plan fee is a one-time payment. It is not a subscription. There is no recurring charge for the plan itself.

6.2 Payment at Checkout

Your plan fee is collected in full at the time of purchase. DME may introduce additional payment options in the future. Any such options will be disclosed clearly at checkout before you complete your purchase.

6.3 Year 2 and Beyond

After the first 12 months, you may pay an annual update fee of $99 to maintain access to plan updates, life event review, and document refresh. This fee is optional. If you do not pay it, you retain access to the documents you created but lose access to updates and the What To Do Now system's life event monitoring.

DME may change the annual update fee with at least 30 days' notice.

6.4 Refunds

Because DME delivers digital services immediately upon purchase, refund eligibility is limited.

You may request a full refund within 14 days of purchase if no estate planning document has been generated on your account. To request a refund, email support@dme.estate from the email address associated with your account. Refunds are processed to the original payment method within 10 business days of approval.

Once any estate planning document has been generated on your account, your purchase is non-refundable, even if the 14-day window has not expired. "Estate planning document" means any will, trust, power of attorney, advance health care directive, or other legal instrument produced by DME using your inputs. Using assessment tools, the Risk Scorecard, or other non-document features does not affect refund eligibility.

The annual update fee is non-refundable once charged.

DME reserves the right to issue refunds at our discretion in cases of technical error, billing error, or service failure.

6.5 Taxes

You are responsible for any applicable sales, use, or other taxes on your purchase.

7. Your Responsibilities as a User

When you use DME, you agree to:

• Provide accurate, complete, and current information at every step
• Review every document DME generates before you sign it
• Execute documents correctly under your state's law (sign, witness, notarize)
• Keep your information up to date as your life changes
• Use DME only for your own estate planning, not on behalf of another person (except as a permitted agent)
• Not use DME if you are creating documents for someone other than yourself, your spouse, or your minor children, except where DME explicitly supports that use case
• Not attempt to reverse engineer, copy, scrape, or resell DME's content or technology
• Not use DME for any unlawful purpose

8. Intellectual Property

8.1 DME's Property

The DME platform, including all software, design, content, micro-education, templates (as compiled by DME), branding, and trademarks, is owned by Decisions Made Easy, LLC or its licensors. You may not copy, modify, distribute, or create derivative works from DME's content except as expressly permitted by these Terms.

8.2 Your Documents

The legal documents DME generates for you, populated with your information, are yours. You may use them for personal estate planning purposes without limitation. You may print, share with executors and family, and store them as you see fit.

DME retains ownership of the underlying templates, software, and platform. You receive a non-exclusive, non-transferable license to use the generated documents for personal estate planning purposes only.

8.3 Your Content

You retain ownership of the information you input into DME, including answers to questions, personal letters, and any other content you provide ("User Content"). By submitting User Content, you grant DME a limited license to use, store, process, and display that content solely to provide the services to you.

DME does not sell your personal data.

9. Acceptable Use

You may not use DME to:

• Violate any law or regulation
• Infringe on anyone's intellectual property or privacy rights
• Submit false, misleading, or fraudulent information
• Create documents intended to defraud, harm, or deceive any person
• Distribute malware, attempt to breach security, or interfere with DME's systems
• Use automated tools (bots, scrapers) to access or extract content from DME
• Resell or commercialize DME's services without our written consent

We reserve the right to suspend or terminate accounts that violate these terms.

10. Third-Party Services

DME integrates with third-party services to deliver the platform, including but not limited to:

• Supabase (authentication and data storage)
• Stripe (payment processing)
• Vercel (hosting)
• Google, Apple, and other identity providers (sign-in)
• Email service providers

DME may add or change service providers from time to time. We will update this list as needed.

When you use a third-party service through DME, that service's own terms and privacy practices apply to your use of it. DME is not responsible for the practices of third parties.

11. Modifications to the Service

DME is an evolving product. We may add, remove, or change features at any time. We will provide reasonable notice of material changes.

If a change materially reduces the functionality of your plan, we will notify you and offer a reasonable remedy.

12. Termination

12.1 Termination by You

You may close your account at any time by contacting support@dme.estate. Upon closure, you will retain access to download your generated documents for 30 days, after which your account and information will be handled according to our Privacy Policy.

12.2 Termination by DME

DME may suspend or terminate your account if you violate these Terms, misuse the service, or fail to pay applicable fees. Where reasonable, we will notify you and provide an opportunity to cure the issue.

12.3 Effect of Termination

Termination does not affect documents already generated. You are responsible for downloading and retaining your documents.

13. Disclaimers of Warranties

DME's services are provided "as is" and "as available." To the maximum extent permitted by law, DME disclaims all warranties, express or implied, including but not limited to:

• Implied warranties of merchantability
• Implied warranties of fitness for a particular purpose
• Implied warranties of non-infringement
• Warranties arising from course of dealing or trade usage

DME does not warrant that:

• The service will be uninterrupted or error-free
• The information on the platform is current at every moment
• The documents generated will satisfy every possible legal scenario you may encounter
• The service will meet your specific requirements

You acknowledge that estate planning involves complexity that cannot always be addressed by a software platform alone.

14. Limitation of Liability

To the maximum extent permitted by law, DME, its officers, directors, employees, contractors, and affiliates shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Lost profits, lost data, or lost opportunities
• Damages arising from your reliance on the platform in place of consulting an attorney
• Damages arising from incorrect, incomplete, or out-of-date information you provided
• Damages arising from your failure to properly execute, fund, or update your estate plan

DME's total cumulative liability to you for all claims arising out of or relating to these Terms or the service shall not exceed the amount you paid DME in the 12 months preceding the event giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

15. Indemnification

You agree to defend, indemnify, and hold harmless DME, its officers, directors, employees, contractors, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the service
• Your violation of these Terms
• Your violation of any law or third-party rights
• Information you provided that was inaccurate, incomplete, or misleading

16. Dispute Resolution

16.1 Informal Resolution

Before filing any formal claim, you agree to contact DME at support@dme.estate and try to resolve the dispute informally. Most disputes can be resolved without legal action.

16.2 Binding Arbitration

If we cannot resolve a dispute informally, you and DME agree to resolve it through binding arbitration, conducted by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will be conducted in Salt Lake County, Utah, unless you and DME agree otherwise.

This arbitration provision does not prevent either party from seeking emergency or injunctive relief in court, nor does it apply to claims that cannot be arbitrated under applicable law.

16.3 Class Action Waiver

You and DME agree that any dispute will be resolved on an individual basis and not as part of a class, consolidated, or representative action.

16.4 30-Day Opt-Out

You may opt out of arbitration by sending written notice to support@dme.estate within 30 days of first accepting these Terms.

17. Governing Law and Venue

These Terms are governed by the laws of the State of Utah, without regard to its conflict of laws principles.

For any claim not subject to arbitration, the exclusive venue is the state and federal courts located in Salt Lake County, Utah.

18. Miscellaneous

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies linked from the platform, constitute the entire agreement between you and DME.

18.2 Severability

If any provision of these Terms is found unenforceable, the rest of the Terms remain in effect.

18.3 No Waiver

DME's failure to enforce any provision is not a waiver of that provision.

18.4 Assignment

You may not assign these Terms without DME's written consent. DME may assign these Terms in connection with a merger, acquisition, or sale of assets.

18.5 Changes to These Terms

We may update these Terms from time to time. When we do, we will post the new version on dme.estate with an updated "Last Updated" date. For material changes, we will notify you by email or in-product notice at least 30 days before the change takes effect.

Your continued use of DME after the effective date of any update means you accept the updated Terms. If you do not accept, you must stop using DME.

19. Contact Us

Questions about these Terms? Contact us at:

Decisions Made Easy, LLC
[Mailing address TBD]
Email: support@dme.estate