Terms of Service

1. Acceptance of Terms

By creating an account, submitting information, or otherwise using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Platform. If you use the Platform on behalf of an organization, you represent that you are authorized to bind that organization.

2. Software Platform Only — No Regulated Services

The Platform provides software and informational tools. It does not provide regulated financial, brokerage, advisory, legal, tax, or accounting services.

• InvestmentBank.com is not a registered broker-dealer and does not solicit investors, place or offer securities, negotiate securities transactions, or receive transaction-based compensation for securities transactions.
• InvestmentBank.com is not an investment adviser and does not provide investment advice, recommendations, or suitability determinations.
• InvestmentBank.com is not a law firm, accounting firm, or tax adviser and does not provide legal, tax, accounting, valuation, or fairness-opinion advice.
• The Platform does not arrange financing, broker loans, or act as a placement agent.

3. No Professional Advice; No Reliance

Content, outputs, templates, checklists, and AI-assisted summaries produced or made available through the Platform are for general informational and workflow-organization purposes only. They are not advice and should not be relied upon as a substitute for advice from qualified, licensed professionals. You are solely responsible for evaluating the accuracy, completeness, and suitability of any output before relying on it, and you should consult qualified legal, tax, accounting, securities, and financial professionals before making any transaction, financing, investment, or other decision.

4. Account Terms

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information and to keep it current. We may suspend or terminate accounts that violate these Terms.

5. Acceptable Use

• Do not use the Platform for any unlawful, infringing, or fraudulent purpose.
• Do not upload content you lack the right to share, or that violates confidentiality, privacy, or securities laws.
• Do not attempt to disrupt, reverse engineer, or gain unauthorized access to the Platform.
• Do not represent that InvestmentBank.com is acting as your broker-dealer, adviser, agent, or fiduciary.

6. AI-Assisted Output Limitations

The Platform may use automated and AI-assisted features to summarize, organize, extract, or draft content. These outputs are drafts that may contain errors, omissions, or inaccuracies, may not reflect current law or market conditions, and must be reviewed by qualified professionals before use in any transaction, legal, lending, accounting, tax, or investment context. AI-assisted outputs are not advice and create no professional or fiduciary relationship.

7. User Submissions

You retain ownership of content and documents you submit. You grant InvestmentBank.com a limited license to host, process, and display your content solely to provide the Platform’s features to you. You are responsible for ensuring you have the rights and permissions necessary to submit content, including third-party and confidential information.

8. Intellectual Property

The Platform, including its software, design, text, graphics, and trademarks, is owned by InvestmentBank.com or its licensors and is protected by intellectual-property laws. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works from the Platform.

9. No Warranties

The Platform is provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or that the Platform will be uninterrupted or error-free.

10. Limitation of Liability

To the maximum extent permitted by law, InvestmentBank.com and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, or goodwill, arising out of or related to your use of the Platform or any reliance on its outputs.

11. Indemnification

You agree to indemnify and hold harmless InvestmentBank.com and its affiliates from any claims, damages, liabilities, and expenses arising out of your use of the Platform, your content, or your violation of these Terms or applicable law.

12. Privacy

Your use of the Platform is also governed by our Privacy Policy, which describes how we collect, use, and protect information.

13. Modifications

We may update these Terms from time to time. Material changes will be indicated by updating the “Last Updated” date. Your continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of the applicable jurisdiction in which InvestmentBank.com operates, without regard to conflict-of-laws principles. [TODO(legal): confirm governing-law jurisdiction and venue.]

15. Contact

Questions about these Terms may be directed to InvestmentBank.com through the Contact page.