1. Educational purpose only
The valuation calculator, scorecards, articles, and other content on this site are provided for educational and informational purposes only. They are general in nature and do not take into account your specific financial situation, business circumstances, or objectives.
Nothing on this site is investment, tax, legal, accounting, or financial planning advice. Decisions about selling a business, structuring a transaction, or financial planning are significant and should be made with qualified professionals who have reviewed your full situation.
2. No guarantee of accuracy
Our tools generate estimates based on the inputs you provide and general market data, including private middle-market transaction multiples that may not reflect current conditions or your specific business. We make no representation or warranty about the accuracy, completeness, or fitness for any particular purpose of any output.
Actual sale prices, after-tax proceeds, and transaction outcomes depend on many factors not captured in any online tool, including buyer competition, deal structure, due diligence findings, market timing, and negotiation. Real-world results commonly differ materially from any estimate.
3. No client relationship
Use of this site does not create an advisor-client, attorney-client, accountant-client, or fiduciary relationship. Submitting your contact information through a form or requesting a follow-up does not by itself establish such a relationship.
4. Advisor network
If you request to be connected with an advisor, or if your inputs and follow-up communications indicate active interest in exit planning, we may introduce you to a vetted advisor in our network. Any advisor relationship is solely between you and that advisor, and any compensation paid or received between us and the advisor will not change the price or terms of services they offer you.
5. Acceptable use
You agree to use the site only for lawful purposes and not to:
- Submit false or misleading information through our forms
- Interfere with or disrupt site operation, attempt to gain unauthorized access, or use automated tools to scrape content
- Use the site or its content to compete with us, train machine learning models, or republish output without written consent
- Use our tools to give advice to others as if it were your own analysis
6. Intellectual property
All content on this site, including text, design, code, and tool methodology, is owned by or licensed to Next Chapter Wealth and is protected by copyright and other intellectual property laws. You may view and use the site for your personal, non-commercial planning purposes. You may not copy, republish, or commercially exploit any content without our written permission.
Assessment frameworks referenced in our scorecards are based on methodology published by the Exit Planning Institute and other third parties, used in accordance with applicable rights and fair-use principles.
7. Third-party links and services
The site may contain links to third-party websites and embed third-party services (analytics, CRM, email delivery). We do not control and are not responsible for the content, privacy practices, or availability of third-party sites or services.
8. Disclaimer of warranties
THE SITE AND ALL CONTENT AND TOOLS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
9. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, Next Chapter Wealth, ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOST PROFITS OR LOST OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR RELIANCE ON ITS CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM RELATED TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).
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You agree to indemnify and hold harmless Next Chapter Wealth and its owners, officers, employees, and agents from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of your use of the site, your submissions, or your violation of these Terms.
11. Governing law and disputes
These Terms are governed by the laws of the State of [STATE], without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or the site will be brought exclusively in the state or federal courts located in [COUNTY], [STATE], and you consent to the personal jurisdiction of those courts.
12. Changes to these Terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date above. Material changes will be communicated by email or a clear site notice. Your continued use of the site after changes take effect constitutes your acceptance of the updated Terms.
13. Contact
Questions about these Terms can be sent to:
Next Chapter Wealth
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[CITY, STATE ZIP]
Email: erikpettine@gmail.com