Terms of Service

1. Acceptance of These Terms

By accessing the Platform, creating an account, submitting information through any form, uploading or connecting documents, using any workflow or AI-assisted feature, subscribing to any paid plan, or otherwise using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference.

If you access or use the Platform on behalf of a company, partnership, fund, trust, or other entity, you represent and warrant that you have full authority to bind that entity to these Terms, and “you” refers to both you individually and that entity. If you do not have that authority, you may not use the Platform on the entity’s behalf.

These Terms apply in addition to, and not in place of, any separate written agreement you sign with us — including any order form, subscription agreement, statement of work, engagement letter, listing agreement, confidentiality agreement, or data processing agreement. Section 39 explains which document controls if they conflict.

2. Eligibility

You may use the Platform only if you can form a binding contract with us and only for lawful business purposes.

• You must be at least 18 years old and have the legal capacity to enter into these Terms. The Platform is not directed to, and may not be used by, children.
• The Platform is intended for business, professional, and institutional users — company owners and executives, corporate development teams, private equity and family-office professionals, lenders, advisers, and their representatives. It is not designed for personal, household, or retail consumer use.
• You may not use the Platform if you are barred from doing so under applicable law, including if you are located in, organized under the laws of, or ordinarily resident in a country or territory subject to comprehensive U.S. economic sanctions, or if you are listed on any U.S. government restricted-party list.
• You may not use the Platform if we have previously terminated your account or your right to use the Platform.
• You are responsible for determining whether your use of the Platform is permitted by the laws, regulations, professional rules, and internal policies that apply to you, and for obtaining any consents or authorizations your use requires.

3. Definitions

• “Account” means the credentialed access we provision for you or your organization.
• “Your Content” means all documents, files, financial statements, data, text, images, spreadsheets, contact information, criteria, instructions, prompts, and other materials you or your users upload to, submit through, generate with, or connect to the Platform.
• “Output” means any material the Platform generates, assembles, summarizes, extracts, drafts, scores, calculates, or otherwise produces, including AI-Assisted Output.
• “AI-Assisted Output” means Output produced in whole or in part by automated systems, machine-learning models, large language models, or other artificial-intelligence features, whether ours or a third party’s.
• “Platform Content” means all content we make available on or through the Platform other than Your Content, including software, templates, checklists, frameworks, models, articles, guides, market commentary, data compilations, page copy, graphics, and design elements.
• “Subscription” means a paid plan, seat allocation, or usage entitlement you purchase for access to the Platform or to specific features.
• “Confidential Information” means non-public information disclosed by one party to the other that is designated as confidential or that a reasonable business person would understand to be confidential given its nature and the circumstances of disclosure.

4. What the Platform Is

The Platform is software and educational infrastructure for preparing, organizing, and pressure-testing transaction materials before and during a process run by your own licensed advisers.

• Workflow and preparation modules that structure the steps, artifacts, and checklists commonly used in mergers and acquisitions, capital raises, recapitalizations, refinancings, and related transactions.
• Document organization and document-intelligence features that let you store, index, search, compare, tag, extract from, and summarize the files you upload.
• AI-assisted features that draft, rewrite, outline, summarize, extract data points from, or flag issues in materials you supply, subject to §17.
• Readiness assessments, diligence trackers, data-room organization tools, question-and-answer logs, and status reporting.
• Calculators, comparison tables, illustrative ranges, and market-reference material presented for educational and planning purposes only.
• Intake forms through which you may tell us the kinds of acquisitions, investments, or transactions you are interested in, or tell us about a business or financing need you want to prepare.
• Educational content, including articles, guides, insights, glossaries, and resource libraries.
• Optional programmatic access to certain features through documented interfaces, subject to §18.

5. What the Platform Is Not — Software Only, No Regulated Services

This section is fundamental to these Terms and to your use of the Platform. Read it in full.

• Not a broker-dealer. InvestmentBank.com is not registered as a broker or dealer with the U.S. Securities and Exchange Commission, is not a member of the Financial Industry Regulatory Authority (FINRA) or the Securities Investor Protection Corporation (SIPC), and is not registered with any state securities regulator as a broker-dealer or agent. We do not effect securities transactions for the account of others, solicit investors, identify or introduce counterparties for securities transactions, negotiate securities transactions, handle customer funds or securities, participate in the offer or sale of securities, or receive transaction-based, success-based, or contingent compensation in connection with securities transactions.
• Not an investment adviser. We are not registered as an investment adviser with the SEC or any state, and we do not provide investment advice, recommendations, opinions on the merits or suitability of any transaction or security, asset allocation, portfolio management, or supervisory services. Nothing on the Platform is a recommendation to buy, sell, hold, finance, acquire, divest, or refrain from any transaction or security.
• Not an M&A broker, finder, or placement agent. We do not act as an M&A broker, business broker, finder, intermediary, placement agent, capital-raising agent, or loan broker. We do not arrange, negotiate, or procure financing, and we do not present the Platform as a substitute for engaging a licensed intermediary where one is required.
• Not a law firm, accounting firm, or tax adviser. We do not practice law, provide legal representation, prepare legal opinions, provide accounting or audit services, prepare or sign financial statements, or provide tax advice or tax return preparation. No attorney-client, accountant-client, or similar privileged relationship is created by your use of the Platform, and communications through the Platform are not privileged.
• Not a valuation firm or appraiser. Any range, multiple, comparable, benchmark, model, calculator result, or indicative figure available on or produced by the Platform is illustrative and educational. It is not an appraisal, valuation opinion, fairness opinion, solvency opinion, quality-of-earnings report, or any other professional opinion, and it may not be represented as one to any counterparty, lender, board, auditor, court, or regulator.
• Not a fiduciary. We do not act as your agent, trustee, fiduciary, or representative, and we owe you no fiduciary duty of any kind. Your use of the Platform creates no advisory, agency, partnership, joint venture, or employment relationship.
• Not a marketplace, exchange, or funding portal. The Platform is not a securities exchange, alternative trading system, registered funding portal, or matching system, and we do not maintain a market for, or facilitate trading in, any security.
• Not a custodian. We do not hold, custody, transmit, or have authority over your funds, securities, or accounts, and we do not process transaction proceeds.
• No representation of affiliation. You may not state or imply to any third party that InvestmentBank.com is acting as your broker-dealer, adviser, banker, intermediary, agent, fiduciary, counsel, or accountant, or that we have reviewed, endorsed, verified, or approved your business, your materials, or any transaction.

6. No Professional Advice; No Reliance

All Platform Content and all Output — including templates, checklists, frameworks, models, calculators, benchmarks, articles, and AI-Assisted Output — is provided for general informational, organizational, and educational purposes only. It is not legal, tax, accounting, securities, valuation, lending, financial, investment, or other professional advice, is not tailored to your circumstances, and may not reflect current law, current market conditions, or facts specific to you or a counterparty.

You are solely responsible for independently evaluating the accuracy, completeness, currency, and suitability of any Platform Content or Output before using or relying on it, and for having it reviewed by qualified, licensed professionals of your own choosing. You agree that you will not rely on the Platform as the sole or primary basis for any transaction, financing, investment, disclosure, tax, accounting, or legal decision, and that any decision you make remains yours alone.

We do not verify, audit, or confirm the accuracy of information you or any third party provides, including financial statements, projections, ownership records, capitalization details, contracts, customer data, or representations about a business. Nothing on the Platform constitutes due diligence, and use of the Platform is not a substitute for due diligence.

Nothing in these Terms or on the Platform creates any professional, advisory, or fiduciary relationship, and no communication with us — whether by form, email, chat, telephone, or otherwise — should be understood as engaging us to provide advice.

7. No Offer or Solicitation of Securities

No content on the Platform is an offer to sell, or a solicitation of an offer to buy, any security, loan participation, interest in any entity, or any other financial instrument, and no content constitutes an offer of investment advisory services, in any jurisdiction where such an offer or solicitation would be unlawful. Any description of a business, transaction, market, sector, or opportunity is educational and illustrative only.

Securities may not be offered or sold except in compliance with applicable federal and state securities laws, including registration requirements or an available exemption. You are solely responsible for structuring, documenting, and conducting any offering or transaction in compliance with those laws, and for engaging licensed intermediaries and counsel where required. We do not review, approve, or opine on the compliance of any offering or transaction.

Any material you prepare using the Platform — including a summary, teaser, memorandum, model, or presentation — is your material and your statement, not ours. You are responsible for its accuracy, completeness, and compliance with anti-fraud rules and all other applicable law, and for all disclosures, legends, and disclaimers it must contain.

Past performance, illustrative outcomes, case examples, benchmarks, and market data presented on the Platform are not indicative of future results. Transactions involve substantial risk, including the risk of total loss, and there is no assurance any transaction will be completed on any terms or at all.

8. Interest Submissions, Criteria, and Introductions

You may tell us what you are looking for. Doing so does not engage us, obligate us, or make us your intermediary.

• When you submit acquisition criteria, investment criteria, a transaction need, or a contact request through the Platform, you are providing information voluntarily so we can determine whether our software, educational resources, or a third party may be relevant to you.
• Submitting information does not create an engagement, does not obligate us to respond, does not obligate us to send you any opportunity or introduction, and does not entitle you to any exclusivity, priority, or confidentiality beyond what these Terms and our Privacy Policy provide.
• We do not represent that any business, opportunity, counterparty, buyer, investor, or lender described or referred to on the Platform is available, accurately described, ready to transact, creditworthy, or suitable for you, and we do not screen or verify counterparties.
• If we identify a third party who may be able to help you — including licensed brokers, dealers, advisers, attorneys, accountants, appraisers, or lenders — any such reference is a convenience only. We do not endorse, supervise, or assume responsibility for third parties, and any relationship you form with them is solely between you and them under their own terms. We may have business, referral, affiliate, or common-ownership relationships with third parties we mention; see our disclosures for more detail.
• You may not use information obtained through the Platform to make unsolicited securities offers, to circumvent applicable licensing or registration requirements, or to solicit any person in violation of applicable law or of any confidentiality obligation you owe.
• You represent that any statements you make about your investor status, authority, funding capacity, or mandate are true, and you agree we may rely on them.

9. Confidentiality and Deal Information

You are solely responsible for deciding what to upload to or submit through the Platform. Do not submit information you are not permitted to disclose, including information subject to a confidentiality agreement, non-disclosure agreement, protective order, professional duty, or third-party restriction that your submission would breach.

Where you and we have signed a confidentiality agreement, that agreement governs the Confidential Information it covers. Absent such an agreement, we will use commercially reasonable efforts not to disclose Your Content except as described in our Privacy Policy, as needed to operate the Platform (including to service providers and subprocessors), as you direct, or as required by law, subpoena, regulation, or governmental request.

If you receive Confidential Information about any business, transaction, or party through the Platform, you agree to use it solely to evaluate the matter for which it was provided, to protect it with at least reasonable care, to limit access to your personnel and advisers who need it and are bound by comparable obligations, and to comply with any additional confidentiality terms accompanying the information. You further agree not to use it to solicit, poach, bypass, or compete unfairly, and to return or destroy it on request.

You acknowledge that no internet-based system is perfectly confidential or secure, that email and browser transmissions may be intercepted, and that you assume the risks of transmitting sensitive information electronically. Sensitive personal data — including Social Security numbers, government identification numbers, financial account credentials, health information, and biometric data — should not be submitted through the Platform unless a feature expressly calls for it.

10. Accounts, Users, and Security

• You must provide accurate, current, and complete registration information and keep it updated. We may refuse, reclaim, or reassign any username or workspace name.
• You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your Account, whether or not you authorized it. Do not share credentials, and use unique passwords and available multi-factor authentication.
• Notify us immediately at the contact address in §41 if you suspect unauthorized access to or use of your Account. We are not liable for losses arising from unauthorized use of your Account, though you may be liable for losses we or others incur as a result.
• If your Account includes multiple users or seats, you are responsible for your users’ compliance with these Terms, for provisioning and deprovisioning their access promptly, and for all Content they submit. Seats are for named individuals and may not be shared.
• An organizational administrator may be able to access, export, restrict, or delete Content and communications in your workspace. If you use an Account provisioned by an organization, that organization — not you — controls the Account and its data.
• We may take reasonable steps to verify your identity, authority, or investor status, and may condition or withhold access pending verification.

11. Acceptable Use

You agree not to do any of the following, and not to permit or encourage anyone else to do so.

• Use the Platform for any unlawful, fraudulent, deceptive, defamatory, harassing, infringing, or misleading purpose, or in violation of securities, banking, lending, privacy, sanctions, anti-money-laundering, anti-corruption, or export-control laws.
• Misrepresent your identity, authority, affiliation, financial capacity, investor status, or the accuracy of any information you submit, or impersonate any person or entity.
• Upload Content you lack the right to submit, or Content that infringes intellectual-property rights, breaches confidentiality obligations, misappropriates trade secrets, or violates privacy or data-protection law.
• Upload or transmit malware, ransomware, or any code intended to disrupt, damage, or gain unauthorized access to systems or data.
• Probe, scan, penetration-test, stress-test, circumvent, or attempt to defeat any authentication, rate limit, access control, or security feature of the Platform without our prior written authorization.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code, models, weights, prompts, algorithms, or architecture of the Platform, except to the limited extent applicable law prohibits that restriction.
• Scrape, crawl, harvest, index, or systematically extract Platform Content or data by automated means, or use the Platform to build, train, fine-tune, evaluate, or improve any competing product, model, or dataset.
• Copy, resell, sublicense, rent, lease, timeshare, host as a service, or otherwise commercially exploit the Platform or Platform Content, or provide access to anyone outside your organization, except as we expressly permit in writing.
• Remove, obscure, or alter any proprietary notice, attribution, disclaimer, watermark, or legend on the Platform or on any Output.
• Present Output as an appraisal, audit, legal opinion, fairness opinion, or other professional deliverable, or as reviewed, verified, endorsed, or approved by InvestmentBank.com.
• Use the Platform to send unsolicited commercial messages, to solicit securities transactions in violation of applicable law, or to contact any person who has asked not to be contacted.
• Interfere with any other user’s use of the Platform, or place an unreasonable or disproportionate load on our infrastructure.
• Use the Platform to make decisions about a person’s eligibility for credit, employment, insurance, housing, or similar benefits, or for any purpose regulated by the Fair Credit Reporting Act or comparable law.

12. Monitoring and Enforcement

We have no obligation to monitor use of the Platform, but we may do so and may investigate suspected violations of these Terms. We may remove, disable, restrict, or refuse to display any Content, and may limit, suspend, or terminate access, at any time and without prior notice, if we reasonably believe it violates these Terms or applicable law, creates risk or legal exposure for us or others, or is necessary to protect the security, integrity, or availability of the Platform.

We may disclose Content and account information to law enforcement, regulators, or other third parties where we reasonably believe disclosure is required by law or necessary to protect the rights, property, or safety of any person. We are not obligated to preserve Content and may delete it in accordance with our retention practices.

13. Subscriptions, Fees, and Billing

• Certain features require a paid Subscription or usage-based fees. Applicable prices, currencies, billing periods, seat counts, usage limits, and included features are those presented at the time of purchase or set out in your order form.
• Unless stated otherwise, fees are billed in advance, are quoted and payable in U.S. dollars, and are non-refundable and non-cancelable except as required by law or as expressly provided in these Terms or your order form. Usage-based charges are billed in arrears based on our measurements, which are the authoritative record absent manifest error.
• You authorize us and our payment processors to charge your designated payment method for all amounts due, including recurring charges, applicable taxes, and any overage or usage fees. You are responsible for keeping payment information current.
• Subscriptions renew automatically for successive periods of the same length unless you cancel before the end of the then-current period. You may cancel at any time; cancellation takes effect at the end of the current period, and you retain access until then.
• We may change prices or introduce new charges. For Subscriptions, we will give at least thirty (30) days’ notice before a price change takes effect, and the change applies at your next renewal. Continuing to use a paid feature after a price change takes effect constitutes acceptance.
• Fees are exclusive of taxes. You are responsible for all sales, use, VAT, GST, and similar taxes and duties, excluding taxes on our net income. If we are required to collect a tax, we will charge it in addition to the fees.
• Amounts not paid when due may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law, and you are responsible for reasonable costs of collection, including attorneys’ fees. We may suspend access to paid features for non-payment after reasonable notice.
• You must notify us in writing within sixty (60) days of a charge to dispute it in good faith; otherwise the charge is final. Initiating a chargeback without first contacting us is a breach of these Terms.
• Third-party payment processors handle card and bank data under their own terms and privacy policies. We do not store full payment card numbers.

14. Trials, Betas, and Free Features

We may offer free accounts, trials, pilots, previews, or beta features. These are provided for evaluation only, may have reduced functionality or availability, may be changed or discontinued at any time, and are provided “as is” without warranty, service commitment, or support obligation of any kind. Feedback and usage data from these features may be used to improve the Platform. Free and trial access may convert to a paid Subscription only if you affirmatively agree at the time of sign-up or conversion; if a trial converts automatically, that will be disclosed before you start it, and you may cancel before the trial ends.

15. Your Content — Ownership and License to Us

You retain all right, title, and interest in and to Your Content. We claim no ownership of it.

You grant us a non-exclusive, worldwide, royalty-free, sublicensable (to our hosting, storage, security, model, and other service providers) license to host, store, copy, transmit, index, reformat, display, process, and create derivative representations of Your Content solely to (a) provide, secure, maintain, and support the Platform and its features for you and your authorized users; (b) prevent and investigate fraud, abuse, and security incidents; and (c) comply with law. This license ends when Your Content is deleted from the Platform, except for backup, archival, and legal-retention copies retained for a commercially reasonable period and for de-identified data as described below.

We may generate and use aggregated, de-identified, and statistical information derived from use of the Platform — information that does not identify you, your organization, any individual, or any transaction — to operate, analyze, secure, benchmark, and improve the Platform and to produce general reporting and research. We will not publish Your Content or identify you as the source of any data point without your permission.

You represent and warrant that you have all rights, consents, licenses, and authority necessary to submit Your Content and to grant the license above, and that Your Content and our permitted processing of it will not infringe, misappropriate, or violate the rights of any third party or any applicable law, including privacy, data-protection, and confidentiality obligations you owe to others.

You are solely responsible for maintaining your own copies of Your Content. Although we maintain backups, the Platform is not a system of record, archival service, or backup service, and we are not liable for loss, corruption, or deletion of Your Content.

16. Output and Deliverables

Subject to your compliance with these Terms and payment of applicable fees, we grant you a non-exclusive, worldwide license to use Output generated from Your Content for your internal business purposes and for the transaction or preparation work for which it was generated, including sharing it with your advisers and counterparties. As between you and us, and to the extent permitted by law, you own the transaction-specific work product embodied in that Output.

Output is not a professional deliverable. It may not be presented as an appraisal, audit, legal opinion, fairness opinion, quality-of-earnings report, or other licensed professional work product, and it may not be attributed to InvestmentBank.com as a reviewer, verifier, or endorser without our prior written consent.

Templates, checklists, frameworks, models, structures, page layouts, prompts, and underlying software that we supply remain Platform Content licensed to you under §19, and your license to Output does not transfer ownership of those underlying materials.

Output may not be unique. Similar or identical Output may be generated for other users from similar inputs, and we may generate, use, and license similar material for others. You obtain no exclusivity in Output that is not derived from Your Content.

17. AI-Assisted Features — Limitations and Your Responsibilities

AI-Assisted Output is a first draft to be reviewed by qualified humans, never a finished professional deliverable.

• AI-Assisted Output is probabilistic. It may be inaccurate, incomplete, internally inconsistent, or out of date; it may misread documents or figures; and it may state confidently something that is wrong, including fabricated citations, names, terms, or numbers.
• AI-Assisted Output does not reflect legal, tax, accounting, valuation, or securities judgment and is not advice. It must be reviewed, verified against source documents, and approved by qualified professionals before you use it in any transaction, filing, disclosure, negotiation, financing, audit, tax, legal, or investment context.
• You are responsible for your prompts and inputs, for the accuracy of the source material you provide, and for every use you make of AI-Assisted Output — including any material you distribute to counterparties, lenders, boards, auditors, or regulators. You assume all risk arising from your reliance on AI-Assisted Output.
• We may use third-party model and infrastructure providers to deliver these features, and Your Content may be transmitted to and processed by them subject to their terms and our agreements with them. We contract for enterprise or business-tier terms that prohibit using your inputs and outputs to train their general-purpose models, but we do not control their systems and cannot guarantee their performance, availability, or security.
• We do not use Your Content to train our own general-purpose foundation models. We may use aggregated, de-identified usage signals as described in §15 to evaluate and improve feature quality.
• Automated features may be changed, degraded, rate-limited, or discontinued as models, providers, costs, and regulations change, and no specific model, provider, quality level, or turnaround time is guaranteed.
• Do not use AI-Assisted Output to make or automate any decision that has a legal or similarly significant effect on an individual without meaningful human review, and do not use it in any way that would require licensure or registration you do not hold.
• Do not submit Content to AI-assisted features if you are prohibited from disclosing it to third-party processors.

18. APIs, Integrations, and Third-Party Services

If we make application programming interfaces, webhooks, exports, or integrations available, your use of them is subject to these Terms, any published documentation, and any applicable rate limits, scopes, and authentication requirements. Credentials and API keys are confidential, are issued to you alone, and may not be shared or embedded in a public client. We may version, change, throttle, or deprecate interfaces, and will use reasonable efforts to give advance notice of breaking changes to actively used endpoints.

The Platform may link to, embed, or interoperate with third-party websites, data sources, market data, document stores, communication tools, payment processors, and other services. Those services are controlled by others and governed by their own terms and privacy policies. We do not endorse them, are not responsible for their content, accuracy, availability, security, or acts and omissions, and are not liable for any loss arising from your use of them. If you direct us to connect a third-party service to your Account, you authorize us to access, retrieve, and transmit data through it as needed, and you represent you have the right to grant that access.

19. License to Use the Platform

Subject to these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform and to view, download, and internally use Platform Content solely for your own business purposes and, where a template or checklist is provided for that purpose, to adapt it for your own transaction materials.

This license does not include any right to resell, redistribute, publish, sublicense, or make the Platform or Platform Content available to third parties as a product or service, to use it to build a competing offering, or to use it beyond the seats, volumes, or entitlements you have purchased. All rights not expressly granted are reserved.

20. Intellectual Property

The Platform and Platform Content — including all software, source code, databases, data compilations, models, prompts, workflows, templates, checklists, text, articles, graphics, illustrations, layouts, design elements, and their selection and arrangement — are owned by InvestmentBank.com or its licensors and are protected by U.S. and international copyright, trademark, trade secret, patent, and other intellectual-property laws.

Except as expressly permitted in §19, you may not copy, reproduce, republish, frame, mirror, distribute, transmit, display, perform, modify, translate, create derivative works from, or otherwise exploit the Platform or Platform Content, and you may not use it as input to train or fine-tune any machine-learning model.

“InvestmentBank.com,” our logos, and our other names, marks, and slogans are our trademarks and service marks. You may not use them without our prior written permission, except for accurate nominative reference. Third-party marks appearing on the Platform belong to their owners, and their appearance does not imply endorsement or affiliation.

We respect intellectual-property rights and will respond to properly submitted notices of claimed infringement under the Digital Millennium Copyright Act. Send notices, including the elements required by 17 U.S.C. §512(c)(3), to the contact in §41. We may remove or disable allegedly infringing material and terminate repeat infringers.

21. Feedback

If you send us ideas, suggestions, feature requests, bug reports, or other feedback about the Platform, you grant us a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, reproduce, modify, and commercialize that feedback for any purpose, without obligation, attribution, confidentiality, or compensation to you. Do not send us feedback you do not want used on these terms, and do not include third-party Confidential Information in it.

22. Privacy and Data Protection

Our Privacy Policy describes how we collect, use, disclose, and retain personal information in connection with the Platform, and is incorporated into these Terms. By using the Platform, you consent to the practices it describes.

If you submit personal information about other individuals — including owners, employees, customers, or counterparty contacts — you represent that you have a lawful basis and any necessary notices, consents, or authority to do so and to have us process that information as described in these Terms and our Privacy Policy. Where applicable data-protection law requires a data processing agreement or similar terms for our processing on your behalf, contact us to put one in place; absent such an agreement, you must not submit personal information whose processing requires one.

You are responsible for configuring access controls, retention settings, and user permissions in your workspace appropriately for the sensitivity of the information you submit.

23. Security

We maintain administrative, technical, and physical safeguards designed to protect the Platform and Your Content, including encryption in transit, access controls, and logging. No system is impenetrable, however, and we do not warrant that the Platform or Your Content will be free from unauthorized access, loss, alteration, or disclosure.

You are responsible for security within your control, including credential hygiene, device and network security, user provisioning, the accuracy of your sharing settings, and prompt reporting of suspected incidents. If we become aware of a security incident affecting Your Content, we will notify you as required by applicable law and will provide information reasonably available to us.

24. Availability, Changes, and Support

We aim to keep the Platform available but do not guarantee any level of uptime, performance, or availability unless a separate written service-level commitment applies. The Platform may be unavailable or degraded due to maintenance, updates, capacity constraints, third-party failures, or events outside our control.

We may add, change, suspend, limit, or discontinue features, modules, integrations, models, data sources, or the Platform as a whole at any time. If we discontinue a paid feature you are actively paying for, or materially reduce its core functionality, we will provide reasonable notice and, at our option, a substitute feature or a pro rata refund of prepaid fees for the unused portion of the affected feature.

Support is provided as described in your plan or order form, or on a commercially reasonable, best-efforts basis where no support terms apply.

25. Suspension and Termination

• You may stop using the Platform at any time and may close your Account or cancel a Subscription as described in §13. Closing an Account does not entitle you to a refund of prepaid fees except as required by law.
• We may suspend or terminate your access, in whole or in part, immediately and without liability, if you materially breach these Terms, fail to pay amounts due, use the Platform in a way that creates legal, security, or reputational risk, or if required by law. Where practical and not prohibited, we will give notice and an opportunity to cure.
• We may also terminate a free, trial, or month-to-month Account for convenience with reasonable notice.
• On termination, your license to use the Platform ends immediately, and you must stop using the Platform and Platform Content. Output you generated before termination and are licensed to use under §16 may continue to be used.
• For a period of thirty (30) days after termination (unless we are legally prohibited or the termination was for abuse or unlawful use), we will make Your Content available for export on request. After that period, we may delete Your Content in accordance with our retention practices.
• Sections that by their nature should survive will survive termination, including §§3, 5–9, 11, 15–17, 20–21, 26, 28–41.

26. Your Representations and Warranties

• All information you provide to us — including registration details, criteria, financial information, ownership and authority representations, and Content — is true, accurate, and not misleading, and you will promptly correct it if it changes.
• You have the authority to enter into these Terms and to grant the licenses in §§15 and 21, and your use of the Platform will not breach any agreement, duty, or law that binds you.
• You will comply with all applicable laws and regulations in connection with your use of the Platform, including securities, banking, lending, consumer-protection, privacy, data-protection, sanctions, export-control, anti-money-laundering, and anti-corruption laws.
• You are not a person or entity with whom U.S. persons are prohibited from dealing, and you will not export, re-export, or make the Platform or Output available in violation of U.S. export-control or sanctions laws.
• You will engage your own licensed professionals for advice and will not rely on the Platform as a substitute for them.

27. Assumption of Risk

You acknowledge that mergers, acquisitions, divestitures, capital raises, financings, and related transactions are complex and risky; that outcomes depend on facts, counterparties, markets, and professional judgment outside our control; and that no software can ensure a transaction closes, closes on particular terms, or produces a particular result. You use the Platform at your own risk and assume full responsibility for all decisions you make and all materials you distribute.

28. Disclaimer of Warranties

THE PLATFORM, PLATFORM CONTENT, AND ALL OUTPUT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT THE PLATFORM OR ANY OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT, RELIABLE, OR SUITABLE FOR YOUR PURPOSES; THAT ANY CONTENT OR DATA WILL BE PRESERVED WITHOUT LOSS; OR THAT USE OF THE PLATFORM WILL RESULT IN ANY TRANSACTION, FINANCING, INTRODUCTION, VALUATION, OUTCOME, OR BENEFIT.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US OR THROUGH THE PLATFORM CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU; IN THAT CASE, OUR WARRANTIES ARE LIMITED TO THE MINIMUM EXTENT PERMITTED BY LAW.

29. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER INVESTMENTBANK.COM NOR ITS AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, LICENSORS, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, TRANSACTION VALUE, ANTICIPATED SAVINGS, DATA, OR USE, OR FOR ANY LOST OR FAILED TRANSACTION, FINANCING, VALUATION OUTCOME, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THESE TERMS, THE PLATFORM, ANY OUTPUT, OR YOUR RELIANCE ON EITHER, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, OR ANY OTHER THEORY, AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US FOR THE PLATFORM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THESE LIMITATIONS APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE, AND THEY REFLECT AN AGREED ALLOCATION OF RISK THAT IS AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US; WE WOULD NOT PROVIDE THE PLATFORM ON THESE ECONOMIC TERMS WITHOUT THEM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD OR WILLFUL MISCONDUCT.

30. Indemnification

You agree to defend, indemnify, and hold harmless InvestmentBank.com and its affiliates, and their respective officers, directors, members, employees, agents, licensors, and suppliers, from and against any claims, demands, actions, investigations, proceedings, losses, damages, liabilities, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) Your Content; (b) your use or misuse of the Platform or any Output, including any material you distribute to a counterparty, lender, board, auditor, court, or regulator; (c) your breach of these Terms or of any representation, warranty, or covenant in them; (d) your violation of any law or of the rights of any third party, including securities, privacy, confidentiality, and intellectual-property rights; (e) any transaction, offering, financing, or negotiation you pursue; and (f) any dispute between you and any other user, counterparty, adviser, or third party.

We may, at our option and expense, assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate. You may not settle any matter in a way that imposes any obligation or admission on us without our prior written consent.

31. Dispute Resolution — Arbitration and Class-Action Waiver

Please read this section carefully. It affects how disputes between you and us are resolved and limits the remedies available to you.

• 31.1 Informal resolution first. Before starting a formal proceeding, you agree to notify us in writing at the address in §41 with a description of the dispute, the relief sought, and your contact information, and to work with us in good faith for at least sixty (60) days to resolve it. This step is a condition precedent to arbitration, and the applicable limitations period is tolled while it proceeds.
• 31.2 Binding arbitration. If the dispute is not resolved informally, any claim, dispute, or controversy arising out of or relating to these Terms, the Platform, or our relationship — whether based in contract, tort, statute, fraud, or any other theory, and including the arbitrability of any issue — will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules then in effect, as modified by this section.
• 31.3 Seat, forum, and law. The arbitration will be seated in Arkansas, and any in-person hearing will take place in Benton or Washington County, Arkansas, unless the parties agree otherwise or the arbitrator determines that another location or a remote hearing is necessary to avoid undue burden. The arbitration is governed by the Federal Arbitration Act and, to the extent not inconsistent, the Arkansas Uniform Arbitration Act, and the arbitrator will apply Arkansas substantive law as provided in §32.
• 31.4 Arbitrator and award. A single arbitrator will be appointed under the AAA rules. The arbitrator may award only the individual relief available under applicable law and these Terms, is bound by §29, and must issue a written award stating the essential findings and conclusions. Judgment on the award may be entered in any court of competent jurisdiction.
• 31.5 Class-action and consolidation waiver. ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MORE THAN ONE PERSON OR PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. If this waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and heard in a court of competent jurisdiction under §32, and the remaining claims will proceed in arbitration.
• 31.6 Jury-trial waiver. TO THE EXTENT ANY CLAIM PROCEEDS IN COURT RATHER THAN ARBITRATION, EACH PARTY KNOWINGLY AND VOLUNTARILY WAIVES ANY RIGHT TO A TRIAL BY JURY.
• 31.7 Time limit on claims. To the extent permitted by law, any claim arising out of or relating to these Terms or the Platform must be filed within one (1) year after the claim accrues, or it is permanently barred.
• 31.8 Exceptions. Either party may (a) bring an individual action in small-claims court in Arkansas for a qualifying claim, and (b) seek temporary or preliminary injunctive or other equitable relief in the courts described in §32 to protect intellectual property, Confidential Information, or Platform security, without waiving arbitration for the remainder of the dispute.
• 31.9 Fees. Each party bears its own attorneys’ fees and its share of arbitration costs as allocated by the AAA rules, unless the arbitrator determines a claim was frivolous or brought for an improper purpose or applicable law provides otherwise. Nothing here limits a prevailing party’s right to fees where a statute or another provision of these Terms provides for them.
• 31.10 Survival. This §31 survives termination of these Terms and closure of your Account.

32. Governing Law and Venue

These Terms and any dispute arising out of or relating to these Terms, the Platform, or our relationship are governed by the laws of the State of Arkansas, without regard to its conflict-of-laws rules and without application of any law that would direct the application of another jurisdiction’s law. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Subject to the arbitration agreement in §31, you and we agree that the exclusive venue for any action, suit, or proceeding arising out of or relating to these Terms or the Platform is the state courts located in Benton County, Arkansas, or the United States District Court for the Western District of Arkansas. You and we each irrevocably consent to the personal jurisdiction of those courts, waive any objection based on venue, forum non conveniens, or inconvenient forum, and agree to accept service of process by any means permitted by those courts or by the notice methods in §41.

Nothing in this section limits our ability to seek injunctive or equitable relief in any jurisdiction where necessary to protect our intellectual property, Confidential Information, or the security of the Platform.

The Platform is operated from and controlled in the United States. We make no representation that the Platform or its content is appropriate or available in other jurisdictions. If you access the Platform from outside the United States, you do so on your own initiative and are responsible for compliance with local law, and you consent to the transfer and processing of your information in the United States.

33. Force Majeure

Neither party is liable for any delay or failure to perform (other than payment obligations) caused by events beyond its reasonable control, including acts of God, severe weather, fire, flood, earthquake, epidemic or pandemic, war, terrorism, civil unrest, labor disputes, governmental action or restriction, changes in law or regulation, sanctions, failures or interruptions of the internet, telecommunications, cloud infrastructure, electrical power, or third-party model or data providers, and cyberattacks, including denial-of-service and ransomware attacks.

34. Electronic Communications and Consent to Electronic Records

You consent to receive communications from us electronically — including by email, through the Platform, and by notices posted on the Platform — and you agree that electronic communications, agreements, notices, disclosures, and records satisfy any legal requirement that they be in writing. You consent to the use of electronic signatures and agree they have the same effect as handwritten signatures. You may withdraw this consent by closing your Account, but doing so ends your ability to use the Platform. You are responsible for keeping your email address current and for ensuring our messages are not blocked or filtered.

You also consent to receive service and transactional messages related to your Account. Marketing communications are subject to your preferences and our Privacy Policy, and you may unsubscribe from them at any time.

35. Notices

We may give you notice by email to the address associated with your Account, by posting within the Platform, or by posting on the Platform’s website. Notice is effective when sent or posted. You must give us notice in writing to the contact address in §41; notice to us is effective on receipt.

36. Assignment

You may not assign or transfer these Terms or any rights or obligations under them, by operation of law or otherwise, without our prior written consent, and any attempted assignment without consent is void. We may assign these Terms in whole or in part, including to an affiliate or in connection with a merger, acquisition, reorganization, financing, or sale of assets. These Terms bind and benefit the parties’ permitted successors and assigns.

37. Relationship of the Parties; No Third-Party Beneficiaries

You and we are independent contractors. These Terms create no partnership, joint venture, agency, franchise, fiduciary, or employment relationship, and neither party may bind the other or hold itself out as authorized to do so. These Terms are for the benefit of you and us only and create no rights in any third party, except that our affiliates, licensors, and suppliers may enforce §§28–30 as intended beneficiaries.

38. Changes to These Terms

We may modify these Terms from time to time. When we do, we will update the “Last Updated” date above and, for material changes, provide additional notice — by email, in-Platform notice, or a prominent posting — before the changes take effect. Material changes take effect no fewer than fourteen (14) days after notice, except that changes required by law or necessary to address security or legal risk may take effect immediately.

Your continued access to or use of the Platform after changes take effect constitutes acceptance of the revised Terms. If you do not agree to a change, stop using the Platform and close your Account before the change takes effect; for paid Subscriptions, you may cancel and receive a pro rata refund of prepaid fees for the unused remainder of the then-current term if the change is material and adverse to you.

Changes to §31 (arbitration) will not apply retroactively to any dispute of which we had written notice before the change took effect.

39. Order of Precedence and Other Agreements

If you have signed a separate written agreement with us that expressly governs your use of the Platform — such as an order form, subscription agreement, master services agreement, engagement letter, listing agreement, confidentiality agreement, or data processing agreement — that agreement controls to the extent it conflicts with these Terms, and these Terms otherwise remain in force and fill any gaps.

These Terms of Service govern the Platform. Where any legacy site terms, terms of use, or listing-agreement pages published on this website conflict with these Terms as to your use of the Platform, these Terms control unless the other document is a signed agreement between you and us or expressly states that it supersedes these Terms for a specific service.

40. General

• Entire agreement. These Terms, together with our Privacy Policy and any agreement identified in §39, constitute the entire agreement between you and us regarding the Platform and supersede all prior or contemporaneous understandings, proposals, and representations, whether oral or written.
• Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed, and the remaining provisions will remain in full force and effect.
• No waiver. Our failure or delay in enforcing any provision is not a waiver of it. A waiver is effective only if in writing and signed by an authorized representative.
• Interpretation. Headings and section numbers are for convenience only and do not affect interpretation. “Including” means “including without limitation.” Ambiguities will not be construed against the drafter.
• Remedies cumulative. Except as expressly stated, all rights and remedies are cumulative and in addition to any other rights and remedies available at law or in equity.
• Equitable relief. You acknowledge that a breach of §§9, 11, 15, 19, or 20 may cause irreparable harm for which money damages are inadequate, entitling us to seek injunctive and other equitable relief without posting bond.
• U.S. government users. If you are a U.S. federal government entity, the Platform is “commercial computer software” and “commercial computer software documentation,” and government rights are limited to those in these Terms consistent with FAR 12.212 and DFARS 227.7202.
• Language. These Terms are drafted in English; any translation is provided for convenience, and the English version controls.

41. Contact Us

Questions, notices, disputes, DMCA notices, and requests under these Terms should be directed to InvestmentBank.com by email at [email protected], or through the Contact page on this website. For notices that these Terms require to be in writing, email to that address is sufficient.