Terms & Conditions
Effective date: November 1, 2026 · Last updated: November 1, 2026
Please read these Terms carefully. They include a limitation of liability (section 16) and a California governing-law and venue clause (section 19).
1. Agreement
These Terms & Conditions ("Terms") are an agreement between you and 108 North, LLC, a California limited liability company doing business as Heirlūm ("Heirlūm," "we," "us," "our").
You accept these Terms by doing any of the following:
- Signing up for a free guide or our newsletter
- Creating a customer or course account
- Placing an Order
- Otherwise using the Services
If you don't agree, please don't use the Services.
You must be at least 18 and able to enter a binding contract. If you use the Services for a company or firm, you confirm you have authority to bind it.
Our Privacy Policy and Disclaimer are part of these Terms. Consulting and coaching are also governed by a separate written Service Agreement. If it conflicts with these Terms, the Service Agreement controls for that engagement.
2. Definitions
- Services: myheirlum.com, our emails, free and paid guides, books, courses, workshops, printed products, consulting and coaching.
- Digital Products: downloadable guides, books, worksheets, templates and course materials.
- Your Content: information, files and messages you provide to us or enter into the Services.
- Order: a request to buy a product, service or subscription.
3. Not professional advice
Heirlūm is not a law firm and does not provide legal, tax, financial, insurance or medical advice. Our Services are general education and organizational support. Using them does not create an attorney-client, fiduciary or other professional relationship. See our Disclaimer for details.
You are responsible for your own decisions and for getting professional advice where appropriate.
4. Free resources and newsletter
When you request a free guide, you agree to receive that guide and our newsletter. You can unsubscribe at any time using the link in any email. Free resources are subject to the license in section 5.
5. Digital Products and courses
License. When you download or buy a Digital Product or course, we grant you a personal, non-exclusive, non-transferable license. It lets you download, print and use the product for yourself and your household, including planning with your parents or other family members.
You may not:
- Resell, sublicense, republish or distribute our materials
- Share course logins
- Use our materials in a commercial service, including with your own clients, without our written permission
You're welcome to share a link to any page.
Delivery. Digital Products are delivered by download link or email after checkout. If a file is broken or doesn't arrive, write to us and we'll send a working copy.
6. Workshops and live sessions
Scheduling. Dates, times and the platform are listed at registration. If we must cancel or reschedule, you may move to the new date or receive a full refund.
Recording. We record live sessions only with notice to, and consent from, everyone present. California law requires everyone's consent to record a confidential conversation.
Respect and confidentiality. Treat other participants with respect. Do not record, share or repeat personal information other participants share in a group session.
We may remove anyone who disrupts a session, and in that case no refund is due.
7. Consulting and coaching services
Service Agreement. Before work begins, you will sign a Service Agreement describing the scope, deliverables, timeline, fees and payment schedule. Unless it says otherwise, fees are due 50% at booking and 50% on delivery.
Your responsibilities. You agree to:
- Provide accurate and reasonably complete information
- Review your deliverables
- Consult your own attorney, tax professional or financial advisor before acting on legal, tax or financial matters
Deliverables. Your plan, binder and related materials are prepared for you and your household. You own the information you provide. We keep ownership of our methods, templates, frameworks and materials. You receive a personal license to use them as part of your deliverable.
Your planning information. We hold the information you share for your plan only while we prepare it. When your final plan is delivered or the engagement ends, we return it to you or destroy it, as described in our Privacy Policy (section 10).
Physical binders. Once a binder is delivered, you are responsible for keeping it safe.
Session recordings. With your consent, we record consulting and coaching sessions on Zoom so we can prepare your plan accurately. We will ask at the start of each recorded session, and you may decline. Recordings are planning information. We destroy them when your final plan is delivered or the engagement ends, as described in our Privacy Policy (section 10).
8. Orders, prices and payment
Payments are processed by Stripe. By placing an Order, you confirm that:
- You are authorized to use the payment method
- Your information is accurate
Prices are in U.S. dollars and do not include applicable taxes, which are added at checkout.
We may refuse or cancel an Order because of a pricing or description error, product availability, or suspected fraud. If we cancel after charging you, we will refund you in full.
We may change prices at any time, but a change won't affect an Order already accepted.
9. Refunds and cancellations
If a refund is due, we issue it to your original payment method within 10 business days.
| Product | Policy |
|---|---|
| Free guides | No charge, so no refund applies |
| Paid digital guides and books | If a guide isn't useful to you, email us within 14 days of purchase for a full refund. Broken files are replaced at any time |
| Self-paced courses | Full refund within 14 days of purchase if you have completed less than 25% of the lessons |
| Printed workbooks and binder kits | Unused items may be returned within 30 days of delivery for a refund of the product price. Damaged or defective items are replaced free |
| Live workshops | Full refund if you cancel at least 7 days before the first session. After that, you may transfer to a later cohort or to another person |
| Consulting and coaching | Full refund if you cancel within 3 business days of booking and before work begins. After that, refunds follow your Service Agreement. Fees for work already performed are not refundable |
Nothing in this section limits any refund right you have under applicable law.
10. Your Content
You keep ownership of Your Content. You give us a limited license to host, store, process, display and transmit it only as needed to provide the Services to you and to the people you choose to share with.
You confirm that you have the right to provide Your Content, including information about family members and other people, for planning purposes.
11. Acceptable use
You agree not to:
- Use the Services for any unlawful, fraudulent or harmful purpose
- Provide information about another person without a lawful basis, or to harass, exploit or impersonate anyone
- Upload viruses or malicious code, or try to gain unauthorized access to the Services or other users' data
- Copy, scrape, reverse-engineer or resell the Services or our materials
- Use our materials to build a competing product or service
- Use automated tools to access the Services, except search engines and AI search tools indexing public pages
12. Intellectual property and trademarks
The Services and our materials are owned by 108 North, LLC or its licensors and are protected by copyright, trademark and other laws. This includes text, guides, courses, templates, methods, designs, graphics and software.
Heirlūm™ and Life Continuity Planning™ are trademarks of 108 North, LLC. They may not be used without our prior written permission. All rights not expressly granted are reserved.
If you believe content on our site infringes your copyright, email hello@myheirlum.com with a description of the work, its location on our site, your contact details, and a statement that you have a good-faith belief the use is unauthorized.
13. Feedback and testimonials
If you send us ideas or suggestions, we may use them without obligation to you.
We will publish your name, image or testimonial only with your permission. If you give a testimonial, we may lightly edit it for length or clarity without changing its meaning.
14. Third-party services and links
The Services rely on and may link to third-party services, such as Stripe, Squarespace, Kit, Google and Zoom. Their own terms and privacy policies apply. We are not responsible for third-party services or websites.
15. Disclaimer of warranties
To the fullest extent permitted by law, the Services are provided "as is" and "as available," without warranties of any kind, express or implied. This includes warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement.
We don't promise that the Services will be uninterrupted, error-free or secure, or that they will achieve any particular result.
16. Limitation of liability
To the fullest extent permitted by law:
- Indirect damages. Heirlūm, 108 North, LLC, and its members, managers, employees and contractors will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, data or goodwill.
- Cap. Our total liability for all claims relating to the Services or these Terms will not exceed the total fees you paid to Heirlūm in the 12 months before the event giving rise to the claim. If you paid nothing, the cap is $100.
- Exceptions. These limits do not apply to liability that cannot be limited by law, including liability for fraud, gross negligence or willful misconduct (Cal. Civ. Code § 1668).
Some states don't allow certain limitations, so some of these may not apply to you.
17. Indemnification
You agree to defend and indemnify Heirlūm against third-party claims arising from:
- Your breach of these Terms
- Your Content, including information you provide about other people
- Your misuse of the Services
18. Suspension and termination
We may suspend or end your access if you materially breach these Terms or misuse the Services. Where reasonable, we will give notice first and a chance to fix the problem.
You may stop using the Services at any time. The following survive termination:
- Sections 12 and 15 through 21
- Any payment obligations already incurred
19. Governing law and disputes
These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules.
Resolve informally first. Before filing a claim, you agree to contact us at hello@myheirlum.com and try to resolve the dispute for at least 30 days.
Venue. Any dispute that isn't resolved informally must be brought in the state or federal courts located in Orange County, California. You and we consent to their jurisdiction. Either party may bring an individual claim in small claims court if it qualifies.
20. Changes to these Terms
We may update these Terms. We will change the "Last updated" date above. For material changes, we will give at least 30 days' notice by email to customers and subscribers, or by a notice on the site.
Changes apply going forward. If you continue using the Services after the effective date, you accept the updated Terms.
21. General
- Entire agreement: These Terms, the Privacy Policy, the Disclaimer and any Service Agreement are the entire agreement between us about the Services.
- Severability: If any part is found unenforceable, the rest stays in effect.
- No waiver: Not enforcing a provision isn't a waiver of it.
- Assignment: You may not transfer these Terms without our consent. We may assign them in a merger, sale or reorganization.
- Events beyond our control: We aren't liable for delays caused by events beyond our reasonable control.
- Electronic communications: You agree to receive notices and agreements electronically.
- Language: If these Terms are translated, the English version controls.
22. Contact
108 North, LLC, dba Heirlūm
1968 S. Coast Hwy #6214
Laguna Beach, CA 92651
hello@myheirlum.com