Terms of Service

Eligibility

The Site is intended for banking, credit union, and financial services professionals evaluating or engaging PBC's consulting services. By using the Site, you represent that you are at least 18 years old and, if you use the Site on behalf of an institution, that you are authorized to do so.

Use of the Site

The Site, including its free CECL & ACL Readiness Assessment and Ask PBC chat assistant, is provided for informational and self-evaluation purposes. You agree to use it only for lawful purposes, and not to:

• Interfere with, disrupt, or attempt to bypass the Site's security, including its bot-protection systems.
• Scrape, harvest, or use automated means to extract content or submit forms, other than standard search-engine indexing.
• Reverse engineer, decompile, or attempt to extract the underlying logic of the Site or its assessment tool.
• Submit false, misleading, or impersonating information through any form, the assessment tool, or the chat assistant.
• Include confidential customer, account, examination, or supervisory information in any form, assessment submission, or chat conversation.
• Use the Site, its content, or its tools to build a competing product or service.

No Professional Advice Via the Site

Content on this Site — including service descriptions, the CECL & ACL Readiness Assessment, and responses from the Ask PBC chat assistant — is general information only. It does not constitute regulatory, legal, accounting, or consulting advice, and does not create a client relationship.

• The Readiness Assessment's score and tier are a self-reported, automated estimate based on your own answers. They are not an audit opinion, regulatory determination, or substitute for an actual engagement, and PBC makes no representation as to their accuracy for your institution's specific circumstances.
• The Ask PBC chat assistant generates responses automatically using artificial intelligence. Responses may be incomplete, out of date, or inaccurate, are not reviewed by a person before being shown to you, and should not be relied upon for any decision.
• Any engagement for actual consulting services is governed separately by a signed consulting agreement between PBC and your institution, which controls over anything on this Site in the event of a conflict.

Intellectual Property

The text, graphics, layout, and other content on this Site are owned by or licensed to PBC and may not be reproduced, distributed, or used to create derivative works without our written permission, other than for personal, non-commercial reference or as expressly permitted (such as downloading a published guide for your own use). "Premier Banking Consultants" and the PBC wordmark are trademarks or service marks of Premier Banking Consultants; no license to use them is granted by this Site.

Third-Party Services & Links

The Site relies on third-party infrastructure to operate — including hosting, content delivery, bot protection, AI-assistant processing, and email delivery — each governed by that provider's own terms. The Site may also link to other third-party tools or resources. PBC is not responsible for the content, availability, security, or privacy practices of any third-party service or site, and linking to one is not an endorsement.

Disclaimer of Warranties

The Site, including its assessment tool and chat assistant, is provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. PBC does not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any automated result (including an assessment score or a chat response) will be accurate or complete.

Limitation of Liability

To the fullest extent permitted by law, PBC and its officers, employees, and consultants will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or data, arising from or related to your use of, or inability to use, the Site — including reliance on the assessment tool or the chat assistant — even if advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold PBC harmless from any claim, loss, or expense (including reasonable attorneys' fees) arising from your misuse of the Site or violation of these Terms.

Governing Law & Venue

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Kentucky, and you consent to that jurisdiction and venue.

Severability & Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force. These Terms, together with our Privacy Policy, are the entire agreement between you and PBC regarding use of the Site, and supersede any prior understanding about the Site specifically — they do not replace or modify any separate, signed consulting engagement agreement.

Changes to These Terms

We may revise these Terms from time to time. Any changes will be reflected on this page along with a revised Effective Date; continued use of the Site after a change means you accept the revised Terms.

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