Terms of Service

1. Acceptance of Terms

By accessing or using What It's Worth ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. These terms constitute a legally binding agreement between you and What It's Worth.

2. Service Description

What It's Worth provides financial modeling tools to help business brokers and investment professionals generate valuation estimates for private companies. The Service includes discounted cash flow (DCF) analysis, comparable company analysis, Monte Carlo simulations, LBO screening tools, sensitivity analysis, and AI-powered features such as company research, assumption validation, and executive summary generation.

The Service also offers export capabilities (PDF reports and Excel workbooks), saved valuation management with version history, a company watchlist, an investment journal, and optional integrations with third-party CRM platforms (HubSpot, Salesforce) at the user's direction.

IMPORTANT DISCLAIMER: All outputs from the Service are estimates and projections only. They do not constitute financial advice, investment advice, or a recommendation to buy or sell any security or business interest. Users should not rely solely on Service outputs when making financial decisions. Always consult qualified financial, legal, and accounting professionals before completing any transaction.

AI-GENERATED CONTENT DISCLAIMER: Certain features of the Service use artificial intelligence to generate research summaries, validate assumptions, and produce executive summaries. AI-generated content may contain inaccuracies, omissions, or errors. It should not be treated as professional financial advice and must be independently verified before use in any decision-making process.

3. Accounts

You must create an account to access certain features of the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must provide accurate and complete information when registering. You may not share your account with others or use another person's account without permission.

4. Billing and Subscriptions

Access to premium features requires a paid subscription. Billing is processed securely through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis according to the plan you select.

Subscriptions renew automatically unless cancelled before the renewal date. Refunds are not provided for partial billing periods. You may cancel your subscription at any time through your account settings, and access will continue until the end of the current billing period.

5. Intellectual Property

The Service, including all software, algorithms, interfaces, and content, is owned by What It's Worth and protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for your internal business purposes. You may not copy, modify, reverse engineer, or redistribute any part of the Service.

Valuation reports, PDF exports, and Excel workbooks generated through the Service are licensed for your use and may be shared with your clients and stakeholders. White-labeled reports bearing your firm's branding remain your responsibility to review for accuracy before distribution.

5A. Third-Party Integrations

The Service offers optional integrations with third-party platforms, including HubSpot and Salesforce. When you connect a CRM integration, you authorize the Service to transmit certain data (such as company names, valuation summaries, and deal metadata) to the connected platform on your behalf. Data shared with third-party platforms is governed by their respective terms of service and privacy policies. We are not responsible for how third-party platforms handle data once transmitted.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WHAT IT'S WORTH SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE.

Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the amounts you paid to us in the twelve months preceding the claim.

7. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT VALUATION ESTIMATES WILL BE ACCURATE OR SUITABLE FOR ANY PARTICULAR PURPOSE. MARKET CONDITIONS, INCOMPLETE DATA, AND MODEL ASSUMPTIONS CAN CAUSE ESTIMATES TO DIFFER MATERIALLY FROM ACTUAL VALUES.

8. Termination

We may suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or other conduct we determine to be harmful. You may terminate your account at any time by contacting support. Upon termination, your right to use the Service ceases and we may delete your data in accordance with our Privacy Policy.

9. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction in those courts.

10. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Service. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.