Terms of Service

Effective date: February 25, 2026 · Last updated: February 25, 2026

1. Effective Date & Agreement

These Terms of Service (“Terms”) are effective as of February 25, 2026, and constitute a legally binding agreement between you and ValueAlpha (“ValueAlpha,” “we,” “us,” or “our”), governing your access to and use of the ValueAlpha platform at valuealpha.ai and app.valuealpha.ai (collectively, the “Service”).

By accessing or using the Service you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not access or use the Service.

2. Definitions

“We,” “us,” or “our” refers to ValueAlpha and its operators.

“You,” “user,” or “customer” refers to any individual or entity that accesses the Service.

“Report” means an AI-generated business valuation output produced by the Service based on data you provide.

“Direct competitors” means any entity providing business valuation software, valuation report generation tools, or substantially similar services, including their employees, contractors, consultants, and affiliates.

3. Description of Service

ValueAlpha provides an AI-powered business valuation analysis platform. The Service generates valuation estimates based on financial data you input, using standard financial methodologies including discounted cash flow (DCF) analysis, comparable company analysis, precedent transaction analysis, and scenario analysis.

Reports are produced as digital outputs on a per-report basis at the price displayed at the time of purchase, currently $9.99 per report. All prices are in United States Dollars (USD).

4. Critical Disclaimer — Not a Formal Appraisal

ValueAlpha reports are informational estimates only. They do not constitute a formal business appraisal, certified valuation opinion, financial advice, investment advice, or legal advice of any kind.

All outputs are driven entirely by the data and inputs you provide. ValueAlpha is not a licensed appraisal firm and does not employ certified business appraisers. Our platform does not verify the accuracy of your inputs, and the quality of any Report is directly dependent on the completeness and accuracy of the data you supply.

Do not rely on a ValueAlpha Report for: formal M&A transactions, legal proceedings, regulatory filings, tax purposes, investor disclosures, or any other purpose requiring a certified or independent valuation. For those purposes, engage a qualified, independent business appraiser or financial advisor.

5. Acceptance of Terms

Your acceptance of these Terms is recorded at the time of account creation or first use of the Service. You represent that the information you provide is accurate. Providing false information may be deemed a deliberate attempt to circumvent these Terms.

For questions, contact us at [email protected]. We will respond within seven (7) business days and reserve the right to decline certain inquiries at our discretion.

6. User Accounts

You must:

Be at least 18 years of age to use the Service.
Provide accurate, current, and complete information when registering.
Maintain the security of your account credentials.
Not share your account with or transfer access to any third party.
Notify us immediately of any unauthorized use of your account.

You are solely responsible for all activity that occurs under your account.

7. Pricing, Payments & Refunds

Reports are sold at the price displayed at the time of purchase. Payment is processed securely through Stripe. We do not store your credit card data.

All sales are final. Reports are non-refundable once generated, as computational and AI processing resources are consumed at the time of generation. If a Report fails to generate due to a verified error on our end, we will issue a full refund or regenerate the Report at no charge. We reserve the right to modify pricing at any time. Changes will not affect Reports already purchased.

8. Intellectual Property

Reports you generate belong to you for your own internal business use. You may not: resell, redistribute, sublicense, or commercially exploit Reports; use Reports as training data for AI or machine-learning models; or remove any proprietary notices from Reports. The underlying valuation methodology, prompts, algorithms, and scoring systems remain exclusively our intellectual property.

9. User Representations & Warranties

By using the Service, you represent and warrant that:

You are at least 18 years old and have legal authority to enter this agreement.
You will use the Service only for lawful purposes and in compliance with these Terms.
The financial data and inputs you provide are accurate to the best of your knowledge.
You are not a direct competitor of ValueAlpha.
You will not use the Service to reverse-engineer, benchmark, or replicate our methodology for the purpose of building a competing product.
You will not misrepresent your identity, affiliation, or intended use of the Service.

10. Competitor Exclusion Policy

The Service is not available to direct competitors — entities providing business valuation software, valuation report generation, or substantially similar services — including their employees, contractors, and affiliates.

Circumventing this restriction through third parties, shell entities, or misrepresentation constitutes fraud and a material breach of contract. Violators agree to liquidated damages of up to $25,000 per Report accessed, representing a reasonable pre-estimate of harm from competitive intelligence gathering, as actual damages would be difficult to quantify. This amount is not a penalty.

11. Prohibited Activities

You agree not to:

Use the Service for any unlawful, fraudulent, or deceptive purpose.
Attempt to reverse-engineer, scrape, or gain unauthorized access to our systems or algorithms.
Use automated tools, bots, or scripts to access the Service without our written consent.
Resell, redistribute, or commercially exploit Reports or access to the Service.
Use Reports or our methodology to build or improve a competing valuation product.
Upload malicious code, interfere with the Service, or impose an unreasonable load on our infrastructure.
Circumvent access controls, security measures, or competitor restrictions.
Impersonate any person or entity or misrepresent your affiliation.

12. Service Availability

We provide the Service on an “as available” basis with no guaranteed uptime. The Service may be unavailable due to scheduled maintenance, technical failures, security incidents, or events beyond our reasonable control. Temporary unavailability does not entitle you to refunds or credits beyond the amount paid for the specific Report affected, up to a maximum of $50.00.

13. Data & Privacy

Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Financial inputs you provide are processed to generate your Report and retained in accordance with our Privacy Policy. We do not sell your financial data to third parties.

14. Complete Liability Disclaimer

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE MAKE NO REPRESENTATION THAT ANY REPORT IS ACCURATE, COMPLETE, LEGALLY SUFFICIENT, OR APPROPRIATE FOR ANY PARTICULAR PURPOSE. WE DISCLAIM ALL LIABILITY FOR DECISIONS MADE BASED ON OUR REPORTS.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALUEALPHA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE OR ANY REPORT. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID FOR THE SPECIFIC REPORT GIVING RISE TO THE CLAIM, OR (B) $50.00. This limitation does not apply to liquidated damages for competitor violations specified in Section 10.

16. Indemnification

You agree to defend, indemnify, and hold harmless ValueAlpha and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from: (a) your use or misuse of the Service or any Report; (b) your breach of these Terms; (c) your violation of any applicable law or third-party right; (d) your misrepresentation of identity, competitor status, or intended use; or (e) any decision made based on a Report.

17. Right to Terminate Access

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason including violation of these Terms, suspected competitor access, suspicious or fraudulent activity, or behavior harmful to our platform or users. Terminated users forfeit access to previously purchased Reports.

18. Disputes & Arbitration

If you have a dispute, contact us at [email protected] to attempt informal resolution first. You agree not to initiate formal proceedings until 30 days after written notice to us. All disputes shall be resolved by binding individual arbitration under the American Arbitration Association (AAA) Consumer Rules, not in court and not as a class action.

Exception: For intellectual property violations or competitor access breaches, we may seek immediate injunctive relief in a court of competent jurisdiction without first pursuing arbitration.

19. Governing Law

These Terms shall be governed by the laws of the State of Delaware, USA, without regard to its conflict-of-law provisions.

20. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full force and effect.

21. Modifications

We may update these Terms at any time. Changes become effective upon posting to the Site. Your continued use of the Service after any update constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

22. Contact

Legal inquiries: [email protected]
General support: [email protected]