Terms of Service

These terms govern your use of clariqadvisory.com and, together with your engagement agreement, the services provided by ClarIQ Advisory, a trade name of Nanovation, 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 provide bookkeeping, audit, tax preparation, legal, lending, or investment advice, 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.

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, loan broker, loan packager, or referral agent, and we do not originate, package, submit, or broker SBA or other loans.
• We do not prepare or submit loan applications to lenders or to the U.S. Small Business Administration on your behalf, and we do not represent you before the SBA.
• 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 advisory fee you pay us.
• Where a lender requires disclosure of fees paid to advisors (for example on SBA Form 159), you are responsible for disclosing the advisory fees you paid us, and we will cooperate with reasonable requests to confirm them.
• 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.

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 price, the standard and rush turnaround, and any credit of the fee toward later work, 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 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.

Intellectual property

The content of this site, including text, page designs, calculators, quizzes, graphics, and the ClarIQ name and logo, is owned by Nanovation, 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.

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, Meta for advertising measurement, and a third-party AI provider that generates chat assistant answers. 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 and Nanovation, 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, Nanovation, LLC, and its owner 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 in which Nanovation, LLC is organized, 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 that state, and you consent to their jurisdiction.

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, a trade name of Nanovation, LLC · hello@clariqadvisory.com