Terms of Service

These terms govern your use of clariqadvisory.com and, together with your engagement agreement, the services provided by ClarIQ Advisory LLC ("ClarIQ," "we," "us"). By using the site, submitting a form, using the chat assistant, booking a call, or engaging our services, you agree to these terms. If you do not agree, please do not use the site.

What we do

ClarIQ operates three practices. The Business Accelerator provides monthly financial reporting and advisory: live dashboards, monthly reporting closes, cash flow forecasts, board-ready memos, and related analysis, working on top of your existing books. Our Buying & Selling Businesses practice provides SBA-focused acquisition and exit advisory, structuring and supporting business purchases and sales. Our AI Intelligence Suite designs, builds, and maintains AI-assisted workflows and tools for operating businesses.

What we don't do

We are not a lender, law firm, CPA firm, broker-dealer, or registered investment adviser. We do not keep your books; we do not audit, review, or compile financial statements; and we do not provide tax preparation, legal, lending, or investment advice. Financial figures we prepare for you are presented from your own records without audit, review, or any other form of assurance, and nothing on this site or in our deliverables is a substitute for advice from your own licensed CPA, attorney, lender, or investment adviser. Decisions you make based on our work remain your own.

The site is information, not advice

Everything published on this site, including articles, explainers, calculators, quizzes and their grades, deal strips, sample documents, benchmarks, and the chat assistant, is general information provided for educational purposes. It is not financial, legal, tax, investment, or lending advice, and it is not tailored to your situation. Case studies and examples on the site are illustrative composites, not records of specific named clients, and past examples are not promises of your results. Using the site, submitting a form, taking a quiz, or chatting with the assistant does not create an advisor-client, fiduciary, or professional relationship with us. That relationship begins only when both sides sign an engagement agreement. Before acting on anything you read here, consult your own attorney, CPA, or lender.

Who the site is for

The site and our services are directed to businesses and their owners in the United States and are intended for adults. If you use the site from elsewhere, you do so on your own initiative and are responsible for any local rules that apply to you.

SBA and acquisition advisory: scope and disclosures

Our acquisition and deal-structuring work is financial advisory provided to you, the client, for a fee you pay us directly. Specifically:

• We are not a lender and we do not originate loans. We receive no fees, commissions, or other compensation from lenders, CDCs, brokers, or any other party in connection with your financing. Our only compensation is the fee you pay us.
• For work in connection with an SBA loan application, we may be an "Agent" as the SBA defines that word in 13 CFR Part 103. Where that applies, we complete and sign SBA Form 159, the fee disclosure form, together with you and your lender, and we tell you plainly that the SBA does not require you to use an agent.
• Our fees for that work are set per engagement in writing and billed by the hour against a written estimate, with time records; they are never contingent on a loan being approved or closed, and they are subject to the SBA's review for reasonableness. We do not submit applications to lenders or to the SBA on your behalf, and we do not represent you before the SBA.
• We are not affiliated with, endorsed by, or acting for the U.S. Small Business Administration. Naming its programs describes the rules we work within, nothing more.
• Analyses such as capacity models, DSCR estimates, and structure recommendations are illustrations for your decision-making, not loan offers, commitments, or predictions of lender or SBA approval.

AI outputs can be wrong

The chat assistant on this site and the AI systems we build generate output automatically, and that output can be incomplete, outdated, or simply wrong. Chat answers are general information, not advice, and should be verified before you rely on them. In client work, unless a deliverable expressly states otherwise, treat AI-assisted output as a draft for your review with human judgment applied, not a finished decision. We do not warrant the accuracy of AI-generated output, and you remain responsible for the decisions you make using it. The chat assistant on this site is automated, and a person reads what it could not answer.

No guarantee of outcomes

We work hard and we stand behind the quality of our work, but we do not and cannot promise results. Nothing on this site or in an engagement guarantees loan or funding approval, a deal closing, a purchase or sale price, cost savings, revenue growth, tax outcomes, search rankings, or any other business result. Forecasts, models, benchmarks, and grades are estimates built on assumptions, and actual results will differ.

Engagements happen under a separate agreement

Specific services, pricing, timelines, and terms are set out in a written engagement agreement or proposal after your clarity call. That agreement, not this page, governs client work, and if it conflicts with these terms, the engagement agreement controls. The clarity call is free and carries no obligation.

Fixed-scope product purchases

Fixed-scope products are the exception to the paragraph above: the SBA Deal Teardown, the AI Readiness Audit, the Buy a Business guide book, and the self-serve toolkit downloads can be purchased directly on their product pages through Stripe, our payment processor. Digital downloads (the guide book and toolkit products) are delivered immediately on the confirmation page after payment. For each, the product page you buy from states the deliverable, the standard and rush turnaround, and any credit of the fee toward later work; the fee is shown on the page for products under 200 dollars and at checkout for the rest, always in US dollars; and those stated terms together with this page govern the purchase. Turnaround clocks start when we have both your payment and the complete documents or access the product page lists. Confidential documents for a purchased product are shared through the methods described in your purchase confirmation, not through general site forms or chat. If we determine we cannot deliver a purchased product, we will refund it in full. For digital downloads (the guide book and toolkit products), if the product is not what you expected, email us within 14 days of purchase and we will refund it; no form or explanation is required. Questions about a purchase: hello@clariqadvisory.com.

Your responsibilities as a client

• Provide accurate, timely access to the systems and records our work depends on.
• Maintain your own bookkeeping and statutory filings; our deliverables rely on the books as you keep them.
• Use deliverables for your business purposes and not resell them.

Data access and confidentiality

We work from read-only access wherever possible, never move money, and never alter your ledger. Your data is kept confidential, encrypted in transit and held by platforms that encrypt it at rest, and you can revoke our access at any time. We will sign a confidentiality agreement on request.

Fees and payment

Fees are invoiced as set out in your engagement agreement; fixed-scope products are paid at checkout. Late amounts may pause deliverables.

Term and cancellation

Engagements run for the initial term stated in your agreement and continue month to month afterward unless cancelled. You may cancel as described in your agreement; we may end an engagement with reasonable notice, refunding any prepaid, undelivered work. Unless your agreement says otherwise, a month-to-month engagement ends at the close of the current monthly period when either side gives written notice by email before that period's billing date.

Intellectual property

The content of this site, including text, page designs, calculators, quizzes, graphics, and the ClarIQ name and logo, is owned by ClarIQ Advisory LLC or its licensors and is protected by copyright and trademark law. We grant you a limited, personal, non-transferable license to view the site and use its tools for your own evaluation and education. You may not copy, republish, sell, or build competing materials from site content without our written permission. In client work, you own your data, deliverables we prepare for you are yours to use within your business as set out in your engagement agreement, and ClarIQ retains ownership of its methods, templates, models, and know-how used to produce them.

Acceptable use

You agree not to misuse the site. That means no scraping, harvesting, or bulk-downloading content or data; no automated submissions or misuse of forms or the chat assistant; no misrepresenting who you are or who you work for; no probing, disrupting, or attempting to breach the site's security; and no using the site for any unlawful purpose. We may block or restrict access that violates this section.

What you submit through the site

When you submit a form, take a quiz, ask the chat assistant a question, or book a call, you confirm that the information you provide is accurate and that you are authorized to share it, and you consent to us contacting you about your request. Site forms and the chat are not secure channels for sensitive material: do not submit confidential financial records, account credentials, Social Security numbers, or other sensitive personal data through them. Confidential material should be shared only within an engagement, through the secure methods we set up together.

Text message terms

What this is. ClarIQ Advisory runs a messaging service on +1 (929) 822-6942 that sends exactly two kinds of text: a link to book a time, to people who asked for one, and one message to a caller we missed. Our automated attendant answers that line when we cannot, takes your name and your reason for calling, and can offer to text you the booking link after reading you these terms.

How you opt in. You receive the booking link either by ticking the optional text box on our call-back form, which is unticked by default and which you must tick yourself, or by saying yes during a call that you placed to us, after the attendant has read you the terms. You receive the missed-call message only if you called our line, nobody could answer, you left no message, and the carrier verified the number you called from; the attendant says so when it answers. We add numbers no other way.

Message frequency. Message frequency varies. In normal use it is one message for each request you make, and never more than one missed-call message to any number in 30 days.

Cost. Message and data rates may apply. We do not charge you for the message, though your mobile carrier may.

How to stop. Reply STOP to any message to opt out. You will get one confirmation and nothing after that. Reply START to opt back in.

How to get help. Reply HELP to any message, call us on +1 (929) 822-6942, or email hello@clariqadvisory.com.

Delivery. Carriers are not liable for delayed or undelivered messages.

Your privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are never shared with any third party. Our Privacy Policy explains what we collect and why.

Third-party services

The site relies on third-party services, including Cal.com for scheduling, Netlify for hosting and forms, Stripe for checkout on fixed-scope products, Google Analytics for usage measurement, a third-party AI provider that generates chat assistant answers and the financial narrative tool's output, an email delivery provider that sends purchase and delivery emails, our code-hosting and server providers that hold our own records, and a telephony provider that carries calls and text messages for our business line. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for their availability or conduct. Links to other sites are provided for convenience and are not endorsements.

Disclaimer of warranties

The site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or secure, or that its content, calculators, grades, or chat answers are accurate, complete, or current. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you.

Limitation of liability

To the fullest extent permitted by law, ClarIQ Advisory LLC will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, or lost data, arising out of your use of the site or our services, even if we were advised such damages were possible. Our total liability for claims arising out of an engagement is limited to the fees you paid us for the applicable service in the three months before the claim arose. For claims arising out of use of the site alone, our total liability is limited to one hundred dollars ($100). Nothing in these terms limits liability that cannot be limited under applicable law.

Errors and omissions

We stand behind our work, and if you find an error in a deliverable we will correct it promptly at no charge. Our work product depends on the accuracy and completeness of the records and access you provide, and we are not responsible for conclusions affected by information that was inaccurate, incomplete, or withheld. Claims relating to a deliverable must be raised within twelve months of its delivery.

No reliance by third parties

Deliverables are prepared for you alone. Lenders, investors, buyers, and other third parties may not rely on them, and we owe no duty to anyone other than our client under the engagement.

Indemnification

If your misuse of the site, your violation of these terms, or your infringement of someone else's rights leads to a claim against us, you agree to indemnify and hold harmless ClarIQ Advisory LLC and its members, managers, and personnel from the resulting losses, damages, and reasonable legal costs.

Termination of access

We may suspend or end your access to the site at any time, without notice, if we reasonably believe you have violated these terms or pose a risk to the site or other users. The sections of these terms that by their nature should survive, including intellectual property, disclaimers, limitation of liability, indemnification, and governing law, survive termination.

Governing law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law rules. Any dispute arising out of the site or these terms will be brought in the state or federal courts located in New York, and you consent to their jurisdiction.

Before either of us starts a court proceeding over the site or these terms, we agree to try to resolve the dispute by email or a call within thirty days of one side raising it in writing.

Severability

If any part of these terms is found unenforceable, that part will be limited or removed to the minimum extent necessary, and the rest of the terms will remain in full effect.

Entire agreement

These terms, together with the Privacy Policy, are the entire agreement between you and us regarding use of the site. For client work, the signed engagement agreement is the entire agreement for the services it covers and controls over these terms. Our failure to enforce a provision is not a waiver of it.

Changes to these terms

We may update these terms from time to time. We will post the new version here with an updated date, and your continued use of the site after a change means you accept the updated terms.

Contact

ClarIQ Advisory LLC · hello@clariqadvisory.com