Echoes
    Legal

    Terms of Service

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    ⚠ Capital Placement Disclaimer

    Nothing on this website constitutes a public offering of securities. All references to capital placement opportunities, capital commitments, share classes (A-Type, B-Type, C-Type), and financial projections are provided for informational purposes only and are directed exclusively at qualified capital providers, institutional counterparties, and pre-identified strategic partners. Any capital placement in Echoes Srl. SB or the European Ethical Bank (EEB) is subject to separate subscription agreements, regulatory approval, and applicable securities law.

    1. Acceptance of Terms

    By accessing and using this website ("Site"), you accept and agree to be bound by these Terms of Service. If you do not agree, you must not use this Site. These terms constitute a legally binding agreement between you and Echoes Srl. SB, a Benefit Corporation registered under Italian law (Codice Civile, Art. 2575 et seq.).

    2. Description of Services

    This Site provides information about Echoes Srl. SB, its stewardship governance model, the European Ethical Bank (EEB) project, and related partnership and capital placement frameworks. The Site does not provide banking services, financial advice, or capital placement recommendations.

    3. Stewardship Governance

    Echoes Srl. SB operates under a stewardship ownership model comprising three share classes:

    • A-Type (Stewards): Hold a non-dilutable "Golden Share" with veto power over any decision that would compromise the regenerative mission, permit demutualization, or enable sale of the company to extractive interests. This mechanism is legally irreversible.
    • B-Type (Strategic Partners): Co-operatives, municipalities, and ethical finance networks that distribute EEB services. Subject to onboarding and capacity assessment.
    • C-Type (Catalytic Capital Providers): Institutional capital providers contributing permanent patient capital to the regulatory capital pool via Basel-compliant instruments, ensuring long-term systemic stability.

    4. Intellectual Property

    All content, trademarks, logos, graphics, and proprietary methodologies presented on this Site-including the EEB banking model, stewardship governance framework, and Common Good Matrix and SDPI integration-are the exclusive intellectual property of Echoes Srl. SB unless otherwise noted. Unauthorized reproduction, distribution, or commercial use is strictly prohibited.

    5. Limitation of Liability

    To the maximum extent permitted by law, Echoes Srl. SB shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of this Site or reliance on information contained herein. Financial projections, leverage calculations, and market opportunity estimates are forward-looking statements and are inherently subject to risk and uncertainty.

    6. Confidentiality

    Certain areas of this Site may contain confidential or proprietary information designated for specific stakeholder groups. By accessing such content, you agree to maintain its confidentiality and not to disclose, distribute, or reproduce it without prior written consent from Echoes Srl. SB.

    7. Governing Law & Jurisdiction

    These Terms shall be governed by and construed in accordance with the laws of the Republic of Italy. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the Courts of Milan, Italy.

    8. Amendments

    Echoes Srl. SB reserves the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Site after changes constitutes acceptance of the revised Terms.