DME Terms of Service

Effective Date: October 12, 2026

These Terms of Service ("Terms") are a legal agreement between you and DME Decisions Made Easy LLC, doing business as DME ("DME," "we," "us," or "our"). They govern your use of dme.estate and DME's trust-funding audit, account, dashboard, and related services (together, the "Service").

By creating an account, purchasing an audit, or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. What DME is

DME provides a software-based trust-funding audit for people who already have a signed trust. The Service reads information from a customer-provided trust, asks questions about assets, identifies potential funding or verification gaps, and produces an asset-specific action plan.

DME is not a law firm, accounting firm, financial adviser, title company, bank, broker-dealer, insurance producer, fiduciary, or government office. DME does not represent you and does not act as your agent.

2. Eligibility

You may use the Service only if you:

  • Are at least 18 years old.
  • Have the legal capacity to enter a binding agreement.
  • Are located in the United States and use the Service for a U.S. trust and U.S. assets.
  • Have the right and authority to upload the trust and provide the information involved.
  • Provide accurate, complete, and current information.

The Service is not offered outside the United States at launch.

3. What the $199 audit includes

The audit costs $199 as a one-time payment. It is not a subscription.

The Service is designed to:

  1. Read key information from the trust PDF you upload.
  2. Let you review and correct extracted trust information.
  3. Help you build an inventory of the supported assets you report.
  4. Compare your trust information with your answers.
  5. Identify potential funding or verification gaps.
  6. Produce an asset-specific action plan that explains possible next steps, evidence to check, and when to contact an institution or professional.
  7. Let you save and track the audit and action plan through your account while they are retained under our Privacy Policy.

The audit does not independently discover every asset you own. It does not independently verify a deed, account title, beneficiary designation, insurance record, business record, vehicle record, public filing, or other institution record. It does not confirm that your trust is fully funded, that every reported asset should be owned by the trust, or that your estate will avoid probate.

Your action plan is based on the information extracted from your trust and the answers you give.

DME uses an AI model to read your trust document. DME's own rules and written steps decide what goes on your action plan, each item's status, and the steps you see. No AI model writes your plan.

DME provides general educational information and self-help organizational software. DME does not provide legal, tax, investment, financial, insurance, title, accounting, or other professional advice.

The Service does not:

  • Review or approve the legal validity, interpretation, or enforceability of your trust.
  • Tell you what your trust should say.
  • Change, amend, restate, prepare, or execute your trust or any deed, assignment, beneficiary form, or other legal document.
  • Establish an attorney-client, fiduciary, advisory, or other professional relationship.
  • Create attorney-client privilege for information you submit.

General information or an action-plan item is not a substitute for advice from a licensed attorney, tax professional, financial professional, title professional, insurer, government office, or financial institution familiar with your circumstances.

5. Upload requirements and extraction limits

A usable upload is a complete PDF of the signed trust that:

  • Is no larger than 32 MB.
  • Is readable enough for the Service to process.
  • Contains the pages needed to understand the trust information relevant to the audit.
  • Is not corrupted or technically restricted in a way that prevents processing.

You should review the extracted information before continuing. AI extraction may omit, misread, or misunderstand information, especially when a document is incomplete, blurry, handwritten, unusually formatted, or legally complex.

If the Service cannot process the document, DME may ask you to upload a clearer or more complete PDF. If DME makes an asset-entry path available without successful document extraction, any resulting guidance will be based on the information you enter and will not include a trust-derived comparison. The money-back guarantee in Section 10 remains available.

6. Asset-specific limits

Different assets transfer in different ways. An asset may pass through trust ownership, a beneficiary or transfer-on-death designation, joint ownership, or another legal mechanism. Some assets may properly remain outside a revocable trust.

DME does not advise you to retitle a retirement account or life insurance policy into a revocable trust. Retirement accounts and life insurance generally require separate ownership and beneficiary analysis. Do not change ownership or a beneficiary designation based only on DME's output. Confirm any change with the institution and an appropriate attorney, tax professional, financial professional, or insurance professional.

DME does not prepare or record deeds, contact an institution, submit transfer forms, update company records, verify a completed transfer, or act on your behalf. Real estate, business interests, vehicles, retirement accounts, insurance, and assets with tax, creditor, benefit, or multi-state consequences may require professional or institution review.

7. Your responsibilities

You are responsible for:

  • Uploading only a trust you are legally authorized to use.
  • Providing personal information about another person only when you have the right to do so.
  • Providing accurate, complete, and current answers.
  • Reviewing and correcting extracted trust information.
  • Identifying assets that DME cannot discover independently.
  • Confirming current ownership, title, beneficiary, institution, and public-record information directly with the appropriate source.
  • Deciding whether to act after obtaining any professional or institution guidance you need.
  • Keeping copies of information you want to preserve.

Paperwork submitted is not proof that a transfer or beneficiary change was completed. You are responsible for obtaining and reviewing reliable evidence of completion.

8. Your account

You must create or access an account to purchase and use the audit. DME may offer Google sign-in and email-based authentication. Google sign-in allows you to authenticate without creating a separate DME password.

You agree to:

  • Keep access to your email and authentication method secure.
  • Not share your account or authentication link.
  • Notify DME promptly at hello@dme.estate if you suspect unauthorized access.
  • Accept responsibility for activity under your account unless caused by DME's breach of these Terms or applicable law.

DME may require you to reauthenticate or verify your identity before providing account access, issuing a refund, or completing a privacy request.

9. Payment

The audit price is a one-time payment of $199, collected at checkout. There is no subscription, automatic renewal, annual update fee, or recurring DME charge for the audit.

Stripe processes payment information. DME does not receive or store your complete card number. You are responsible for any sales, use, or similar tax that DME is legally required to collect or that applies to your purchase.

10. Fourteen-day money-back guarantee

Your audit comes with a 14-day money-back guarantee. If you complete the process and don't find it useful, email us and we'll refund you. No hoops.

To use the guarantee:

  • Email hello@dme.estate within 14 days after purchase from the email associated with your account.
  • Tell us that you completed the available audit process and did not find the result useful.
  • DME will return the eligible purchase price to the original payment method.

Completing the process means making a reasonable attempt to provide a usable trust PDF, completing the supported asset questions available to you, and reviewing the audit or action plan DME makes available. If DME cannot read the trust but allows you to continue with asset entry, you can complete the process through that path.

This guarantee does not limit any nonwaivable refund, cancellation, or consumer rights provided by law. DME may also correct a billing error or refund a purchase when the Service fails to deliver the purchased audit.

11. Ownership and permitted use

Your content

You retain ownership of the trust, answers, corrections, and other content you provide ("Customer Content"). You grant DME a limited, non-exclusive license to host, copy, transmit, process, display, and delete Customer Content only as needed to provide, secure, support, and administer the Service and comply with law.

DME does not use Customer Content to train models or improve prompts, evaluations, or products. Our Privacy Policy explains the limited use of synthetic information and non-identifying aggregate metrics.

Your audit output

You may use and share the audit result and action plan for your personal trust-funding purposes. Your right to use the output does not transfer ownership of DME's software, rules, design, educational content, trademarks, or other platform materials.

DME materials

DME and its licensors own the Service, software, designs, rules, workflows, branding, and general educational materials. These Terms give you a limited, personal, non-exclusive, non-transferable right to use the Service. You may not copy, sell, license, publish, reverse engineer, scrape, or create a competing service from DME materials except where law does not allow that restriction.

12. Acceptable use

You may not:

  • Upload a trust or personal information you do not have the right to provide.
  • Use the Service for another person without legal authority and any consent required by law.
  • Use the Service to deceive, defraud, harass, exploit, or harm another person.
  • Violate privacy, intellectual-property, computer-security, or other laws.
  • Introduce malware, probe security, interfere with the Service, or attempt unauthorized access.
  • Circumvent payment, account, usage, or security controls.
  • Use bots, scraping, or automated extraction without DME's written permission.
  • Resell or commercially exploit the Service or its output.

DME may investigate suspected misuse and suspend or terminate access when reasonably necessary to protect the Service, customers, or others.

13. Privacy and service providers

Our Privacy Policy explains the information we collect, AI extraction, service providers, retention, deletion, access, and customer rights. The current Service uses Anthropic, Supabase, Vercel, Stripe, and Google for the functions described there.

Third-party availability can affect the Service. DME remains responsible for its obligations under these Terms and applicable law, but it cannot promise that every third-party service will always be available or error-free.

14. Changes to the Service

DME may improve, change, suspend, or discontinue part of the Service. We will not materially reduce an already purchased audit without providing a reasonable remedy, which may include restoring access, delivering the purchased function another way, or issuing a refund.

New features, products, or services may have additional terms presented before you use or purchase them.

15. Account closure and suspension

You may request account deletion as described in the Privacy Policy. Deleting your account ends access to the audit, action plan, and other account information. Save any information you want to keep before deletion.

DME may suspend or terminate access if you violate these Terms, create a security or legal risk, misuse the Service, or fail to pay. When reasonable, DME will provide notice and an opportunity to correct the issue.

Sections that by their nature should continue after account closure or termination will survive, including ownership, payment obligations, disclaimers, liability limits, dispute terms, and miscellaneous provisions.

16. Disclaimers and no guarantee of outcome

To the maximum extent permitted by law, the Service is provided "as is" and "as available." DME disclaims implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement.

DME does not promise that:

  • The Service will be uninterrupted, timely, secure, or error-free.
  • AI extraction will be complete or accurate.
  • Your answers identify every asset or relevant fact.
  • The audit reflects current deeds, account titles, beneficiary designations, institution records, or public records.
  • Every potential gap will be identified.
  • Every suggested step is appropriate without institution or professional review.
  • An asset transfer or beneficiary change will be accepted or completed.
  • Your trust is valid, fully funded, or effective for a particular asset.
  • Your estate will avoid probate, tax, creditor, family, or administrative issues.
  • Your plan will operate as you expect.

The 14-day money-back guarantee in Section 10 is the specific refund promise DME provides. It is not a guarantee of a legal, financial, tax, title, probate, or estate-planning result.

Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, these exclusions apply only to the extent permitted by law.

17. Limitation of liability

To the maximum extent permitted by law, DME and its officers, managers, employees, contractors, affiliates, and licensors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, lost data, or the cost of substitute services, arising from or related to the Service.

To the maximum extent permitted by law, DME's total liability for all claims arising from or related to the Service or these Terms will not exceed the amount you paid DME for the audit giving rise to the claim.

These limitations do not exclude liability that cannot legally be excluded or limited. Your state may give you additional rights.

18. Indemnification

To the extent permitted by law, you agree to indemnify and hold DME and its officers, managers, employees, contractors, and affiliates harmless from a third-party claim, loss, or reasonable expense arising from your unlawful use of the Service, your unauthorized upload or disclosure of another person's information, your infringement of a third party's rights, or your material violation of these Terms.

This obligation does not apply to the extent a claim results from DME's own conduct, breach, negligence, or violation of law.

19. Disputes, arbitration, governing law, and venue

Informal resolution

Before starting arbitration or a court case, you and DME agree to send a written description of the dispute and requested resolution and allow 30 days for informal resolution. Send notice to hello@dme.estate and to the mailing address in Section 21. DME will send notice to the email associated with your account.

Either party may use small-claims court for an eligible individual claim. Either party may seek temporary or emergency injunctive relief from a court when necessary to prevent immediate harm.

Binding individual arbitration

Except for an eligible small-claims case, a request for temporary or emergency injunctive relief, or a claim that applicable law does not allow to be arbitrated, you and DME agree to resolve disputes through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules in effect when the claim is filed.

The arbitrator may award any individual remedy available in court. Arbitration may occur by documents, phone, video, or at a reasonably convenient location, as the applicable rules and arbitrator permit. DME will pay arbitration fees it is required to pay under the applicable rules and law.

Class and representative action waiver

To the maximum extent permitted by law, you and DME agree that each may bring a claim only in an individual capacity, not as a plaintiff or class member in a class, collective, consolidated, mass, private-attorney-general, or representative proceeding.

Thirty-day arbitration opt-out

You may opt out of arbitration and the class-action waiver by emailing hello@dme.estate within 30 days after you first accept these Terms. Include your name, account email, and a clear statement that you opt out of arbitration. Opting out will not affect your access to the Service.

Governing law and court venue

Utah law governs these Terms, without regard to conflict-of-law rules, except where federal law applies or your state's nonwaivable consumer law requires otherwise.

For a dispute that is not subject to arbitration, you and DME agree to the state or federal courts with jurisdiction in Salt Lake County, Utah, except where applicable law gives you the right to bring a claim elsewhere.

20. Changes to these Terms and miscellaneous provisions

DME may update these Terms. We will post the updated Terms with a new effective date. If a change materially affects an existing customer's rights or obligations, we will provide advance email or in-product notice when reasonably required and obtain consent when required by law. A change will not apply retroactively unless law permits and the notice clearly says so.

These Terms, the Privacy Policy, and any additional terms presented for a specific feature or purchase form the entire agreement between you and DME about the Service.

If a provision is unenforceable, the remaining provisions remain effective. A failure to enforce a provision is not a waiver. You may not assign these Terms without DME's written consent. DME may assign them in connection with a merger, reorganization, financing, acquisition, or sale of the business or relevant assets.

21. Contact DME

DME Decisions Made Easy LLC
7533 S Center View Ct #5955
West Jordan, UT 84084
United States
Email: hello@dme.estate

Terms of Service | DME