These Terms of Service ("Terms") govern your access to and use of the services provided by ClearValue Advisory ("Company," "we," "us," or "our") through bizvaluefree.com and related platforms. By accessing our services or completing a purchase, you agree to be bound by these Terms.
ClearValue Advisory provides AI-assisted business assessment reports including, but not limited to, Confidential Information Memorandums (CIM), Business Valuation Reports, Strategic Gap Analysis Reports, AI Integration Roadmaps, and Enterprise Plus Deep-Dive Analyses. These reports are generated based on self-reported information provided by the client through our assessment platform.
We also provide broker platform services, white-label portals, and related tools to licensed business brokers and M&A advisors under separate subscription agreements.
By registering an account, submitting your name and email address, beginning an assessment, or completing any purchase on this platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. This agreement is effective immediately upon your first interaction with our platform.
These Terms constitute a legally binding agreement between you and ClearValue Advisory. Your continued use of the platform following any updates to these Terms constitutes acceptance of the revised Terms.
⚠ This report does not guarantee the price at which your business will sell and should not be relied upon as a formal appraisal.
All reports produced by ClearValue Advisory are based solely on self-reported, unverified information provided by the client. Our reports are prepared for informational and planning purposes only and do not constitute:
ClearValue Advisory is not a licensed appraiser. Actual sale prices may vary significantly based on market conditions, buyer demand, due diligence findings, financing availability, and other factors beyond our control. We strongly recommend consulting a licensed business appraiser, CPA, or attorney before making any business decisions based on our reports.
⚠ Reports are generated in a single live session. Closing or refreshing your browser window during report generation may interrupt the process and result in incomplete reports.
Our platform generates reports through a live AI processing session. You acknowledge and agree that:
🔒 All purchases are final. Reports are non-refundable once delivered.
Due to the nature of our digital deliverables, all sales are final and non-refundable. By completing your purchase, you acknowledge that:
If you have a concern about your report, please contact us at support@bizvaluefree.com before initiating any dispute. We are committed to addressing legitimate concerns.
By using this platform, you expressly release and forever discharge ClearValue Advisory, its officers, directors, employees, agents, licensors, and affiliates from any and all claims, demands, damages, losses, costs, and expenses (including attorneys' fees) of every kind and nature, known and unknown, arising out of or in any way connected with:
To the fullest extent permitted by applicable law, ClearValue Advisory's total liability to you for any claim arising from these Terms or your use of the platform shall not exceed the amount you paid for the specific report giving rise to the claim. In no event shall ClearValue Advisory be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including without limitation lost profits, lost business opportunity, lost goodwill, lost data, transaction costs, or diminution in business value, even if advised of the possibility of such damages. Your sole remedy for dissatisfaction with our services is to discontinue use of our platform.
ClearValue Advisory uses artificial intelligence to analyze business information and generate reports. All document analysis is performed by AI and does not constitute an independent audit, certified appraisal, or professional accounting review. Normalization schedules and add-back calculations are based on information provided by the user and, for Enterprise assessments, AI analysis of uploaded documents. ClearValue Advisory does not independently verify the accuracy of uploaded documents. Flagged anomalies and discrepancies are AI-generated observations and should be reviewed with a licensed business broker, CPA, or M&A advisor before being relied upon for any business decision.
Survey Mode is an alternative way to complete an assessment in which the user fills out a structured form rather than answering questions in a guided conversation. Survey Mode uses the same underlying methodology and produces identical report outputs to the conversation flow.
Tax optimization observations included in the Strategic Gap Analysis are educational AI-generated observations based on common patterns for businesses with similar profiles. They do not constitute tax advice, do not account for any user's complete tax situation, and are not a substitute for advice from a licensed CPA, tax attorney, or other qualified professional. Consult a licensed CPA before implementing any tax strategy, particularly in the year of a business sale.
Deal Risk Flags surfaced in the Strategic Gap Analysis are based solely on owner-provided answers to disclosure questions during the assessment. ClearValue Advisory does not independently verify these disclosures. The absence of a disclosed item is not a representation that none exist. Buyers and their advisors must conduct independent legal, financial, and operational due diligence.
Broker-issued client invitation links expire seven (7) days after issuance. Brokers may resend or extend an invitation from their portal, which resets the expiration. Expired links cannot be used to complete an assessment.
ClearValue Advisory employs a multi-layer quality protection system designed to reduce, but not eliminate, errors in AI-generated reports. The system is composed of four layers operating before, during, and after report generation:
This system is a quality safeguard, not a guarantee. ClearValue Advisory does not warrant that all errors will be detected, nor that flagged items will be substantively corrected by the broker prior to release. The 4-layer system reduces the likelihood of certain failure modes but does not constitute a professional audit, peer review, or certification of any kind. By using the platform you acknowledge that AI-generated content may contain inaccuracies notwithstanding the protections described above and that you remain responsible for independent verification before relying on any figure or recommendation in any report.
Business brokers and M&A advisors who subscribe to ClearValue Advisory's broker platform agree to the following additional terms:
All reports are prepared exclusively for the named recipient and are strictly confidential. You agree not to share, distribute, publish, or reproduce any portion of your report without the prior written consent of ClearValue Advisory. Reports may not be used for marketing, advertising, or any public-facing purpose without our written approval.
All ClearValue Advisory personnel, contractors, and third-party service providers with access to client data or platform systems are required to execute a confidentiality agreement prior to access. Such agreements prohibit the disclosure, sharing, or use of client business information for any purpose other than platform support and operations.
You represent and warrant that all information provided during your assessment is accurate, complete, and not misleading. ClearValue Advisory assumes no responsibility for errors, omissions, or inaccuracies resulting from incorrect information provided by the client. Providing false or materially misleading information voids any implied representations in your report.
The pre-calculated figures described in Section 6.6 (Layer 1) are computed by deterministic code from the numeric inputs you supply during the assessment. ClearValue Advisory does not independently verify these inputs and does not perform an audit, examination, compilation, or review of the underlying books and records of the business. Pre-calculated figures inherit the accuracy of the inputs from which they are derived; if the supplied revenue, net profit, owner compensation, or add-back values are inaccurate, the resulting Seller’s Discretionary Earnings, asking-price scenarios, and debt-service ratios will reflect that inaccuracy.
The constants used in pre-calculation (current US Prime rate, SBA 7(a) spread, payroll-tax rate, valuation multiples) are reviewed periodically and reflect industry practice at the time of generation; they may not reflect the rate or multiple your specific transaction will actually transact at.
All report templates, methodologies, branding, platform content, and AI systems are the exclusive property of ClearValue Advisory. Upon purchase, you are granted a limited, non-transferable license to use your report for personal business planning purposes only. You may not resell, sublicense, or commercialize any portion of our reports or platform.
Enterprise tier users may upload financial documents to our secure platform. By uploading documents, you agree that:
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described therein.
These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Clark County, Nevada. You waive any objection to jurisdiction or venue in such courts.
Before initiating any legal action, you agree to contact ClearValue Advisory at support@bizvaluefree.com and allow 30 days to resolve the dispute informally.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after any changes constitutes acceptance of the revised Terms. Material changes will be communicated via email to registered users where practicable.
For questions about these Terms, please contact:
ClearValue Advisory
Email: support@bizvaluefree.com
Phone: (702) 848-4663
Website: bizvaluefree.com
You may request deletion of your ClearValue Advisory account at any time by contacting support@bizvaluefree.com.
To request immediate deletion of all personally identifiable data associated with your account, email support@bizvaluefree.com with the subject line "Data Deletion Request". We will process your request within 10 business days.
Certain records may be retained after account deletion where required by law or for legitimate business purposes, including:
Questions about your data? Contact us at support@bizvaluefree.com or (702) 848-4663. We are committed to handling your personal information with care and transparency.
Applies to Solo, Team, and Brokerage broker partner subscriptions on the ClearValue Advisory platform.
All ClearValue Advisory Broker Partner subscriptions require a minimum 1-year (12-month) initial commitment beginning on the date of first payment. By subscribing, you agree to pay all monthly fees for the full initial 12-month term regardless of usage.
After the initial 12-month term, subscriptions automatically renew on an annual basis at the then-current subscription rate. ClearValue Advisory will provide notice of any rate changes at least 30 days before renewal.
To cancel auto-renewal, written notice must be provided to support@bizvaluefree.com at least 30 days before your renewal date. Cancellation takes effect at the end of the current annual term. No refunds are provided for unused months within a paid term.
The one-time setup fee ($999) is non-refundable under any circumstances once your account has been activated and portal access granted.
Monthly subscription fees are non-refundable after the 15th day of the billing month. Refund requests submitted before the 15th of the month may be considered at ClearValue Advisory's sole discretion.
Assessments exceeding your monthly included allotment are billed at the overage rate for your tier. Overage charges are non-refundable.
Failure to pay monthly subscription fees within 10 days of due date may result in account suspension. Portal access and client data remain preserved during suspension for up to 30 days. After 30 days of non-payment, account may be permanently terminated and data deleted per our data retention policy.
Upon cancellation, broker portal access terminates at end of paid term. Client assessment data is retained for 90 days post-cancellation and available for export upon request. After 90 days, data is permanently deleted.
ClearValue Advisory reserves the right to modify subscription terms, pricing, and features with 30 days written notice. Continued use after notice constitutes acceptance of new terms.
Applies to the $699 Enterprise tier and any document-enhanced regenerated reports.
The Enterprise Assessment does not constitute a formal business appraisal, USPAP-compliant opinion of value, certified valuation, or independent audit. It is not prepared by a licensed appraiser, CPA, attorney, or investment banker. Results should not be presented as a certified valuation to lenders, courts, tax authorities, or regulatory bodies without independent professional verification.
All valuations, analyses, and recommendations are based solely on information provided by the user, including self-reported financial data and uploaded documents. ClearValue Advisory does not independently verify the accuracy, completeness, or authenticity of any information or documents submitted. Any inaccuracies in submitted data will affect the quality and accuracy of the output.
AI-powered document analysis is designed to assist in identifying key financial metrics and potential issues. It is not a substitute for professional due diligence, legal review, or certified audit. Document analysis results may contain errors, omissions, or misinterpretations. Users should verify all extracted figures with a qualified CPA or financial advisor before relying on them for business decisions.
Valuations are based on current market conditions, comparable transaction data, and industry multiples at the time of assessment. Market conditions change. Past performance of comparable businesses does not guarantee future results. Any projections, growth estimates, or forward-looking statements are illustrative only and should not be relied upon as predictions of future performance.
Nothing in the Enterprise Assessment constitutes legal, tax, accounting, or financial planning advice. ClearValue Advisory is not a law firm, CPA firm, or registered investment advisor. Users should consult qualified legal, tax, and financial professionals before making any business, sale, or investment decisions.
The Enterprise Assessment does not guarantee that your business will sell, that it will sell at the estimated value range, or that a buyer, lender, or investor will accept the assessment findings. Actual transaction values may differ materially from estimated ranges based on negotiation, due diligence findings, market conditions, and buyer-specific factors.
ClearValue Advisory's document analysis feature is designed to assist in financial data extraction and cross-referencing. Users should be aware of the following limitations:
Supported Documents: The AI document analysis system performs best with typed, digital PDF documents including tax returns, profit and loss statements, balance sheets, lease agreements, and similar structured financial documents. Handwritten documents, low-resolution scanned images, and documents with complex formatting may not be processed accurately.
Language: Document analysis is currently available for English-language documents only.
Legal Documents: While the system extracts key terms from contracts, lease agreements, and legal documents, it may not capture all nuances of complex legal language. Users should have legal documents reviewed by a qualified attorney before relying on extracted data for transaction purposes.
Document Authenticity: ClearValue Advisory does not verify the authenticity or accuracy of uploaded documents. The system cannot detect altered, fraudulent, or incomplete documents. All document-extracted figures are labeled as "Document-stated" and have not been independently audited or verified.
Not a Substitute for Professional Review: AI document extraction is not a substitute for a professional financial audit, CPA review, or legal review. Extracted figures and analysis should be reviewed by a qualified CPA, M&A advisor, or attorney before being used in any business transaction, negotiation, or financial decision.
Data Accuracy: Document analysis results are dependent on the quality and completeness of uploaded documents. ClearValue Advisory is not responsible for errors, omissions, or inaccuracies resulting from incomplete, low-quality, or improperly formatted documents.
No Retention Beyond Stated Period: Uploaded documents are retained for 12 months following assessment completion and are then permanently deleted. Enterprise-tier financial documents uploaded for AI cross-reference are encrypted at rest using AES-256 application-level encryption (when application-layer encryption is enabled in production). All documents stored in our database and storage infrastructure are additionally protected by industry-standard at-rest encryption provided by our cloud platform (Supabase, AES-256). Documents are accessible only to the broker firm or user who uploaded them, with brokerage-tenancy isolation enforced at the application layer. ClearValue Advisory does not share uploaded documents with third parties.
Document-enhanced report regeneration is available one time per assessment. ClearValue Advisory reserves the right to decline regeneration requests if submitted documents are illegible, fraudulent, incomplete, or irrelevant. Enhanced reports are delivered within 24 hours of document review but timelines may vary based on document complexity and volume.
All Enterprise Assessment purchases are final and non-refundable once the assessment conversation has been completed and initial reports have been generated. If technical issues prevent report delivery, contact support@bizvaluefree.com within 7 days for resolution.
To the maximum extent permitted by applicable law, ClearValue Advisory, its officers, employees, advisors, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Enterprise Assessment, including but not limited to: reliance on valuation estimates, business decisions made based on assessment findings, losses arising from document analysis errors, or failure to achieve an expected sale price or outcome. Total liability shall not exceed the amount paid for the assessment ($699).
By completing payment for the Enterprise Assessment, you acknowledge that you have read, understood, and agreed to these limitations and disclaimers. You confirm that the information and documents you provide are accurate to the best of your knowledge and that you will use the assessment findings as one input among many in your decision-making process.
Location and lease data captured during assessments, including addresses, lease terms, and revenue distribution by location, is used solely for report generation. Lease expiry flags and revenue concentration warnings are based on owner-provided information and are not independently verified.
Enterprise document uploads support up to 10 files at 15MB per file. For best results, compress PDFs before uploading. Enterprise-tier financial documents are encrypted at rest using AES-256 application-level encryption (when application-layer encryption is enabled in production); all documents are additionally protected by infrastructure-level AES-256 at-rest encryption via our cloud platform (Supabase). Documents are accessible only to the broker firm that uploaded them, with brokerage-tenancy isolation enforced at the application layer. Documents are retained for 12 months after assessment completion and then permanently deleted. ClearValue Advisory does not share uploaded documents with third parties.
Accounts receivable, accounts payable, and capital expenditure data provided during assessments are used solely for report generation and valuation modeling. This data is not verified against actual financial records unless documents are uploaded for Enterprise cross-reference.
The SDE Normalization Schedule represents AI-generated analysis based on owner-provided information. Add-back classifications are educational in nature and should be reviewed by a licensed M&A advisor, CPA, or business broker before being presented to buyers or lenders. Full and Enterprise tier assessments include a standalone Normalization Schedule alongside the inline SDE reconstruction within the Valuation Report. Snapshot assessments include only the inline SDE reconstruction within the Valuation Report.
Blog posts and educational content published on bizvaluefree.com are generated using AI and are intended for general informational purposes only. They do not constitute legal, financial, tax, or M&A advisory advice. ClearValue Advisory is not responsible for decisions made based on blog content.
ClearValue Advisory may share educational content derived from anonymized, non-identifiable assessment data on social media platforms including LinkedIn. No personally identifiable information or business-specific data is shared publicly.
ClearValue Advisory broker partner accounts are available to licensed business brokers, M&A advisors, CPAs, attorneys, financial planners, and other professionals who work with business owners considering an exit. Accounts found to be misused or used for non-advisory purposes may be suspended without refund.
All valuations, financial analyses, and reports generated by ClearValue Advisory are based solely on information provided by the user during the assessment. ClearValue Advisory makes no representations regarding the accuracy or completeness of user-provided information. Final valuations should be reviewed by a qualified professional before being used in any transaction.
Capital expenditure requirements and working capital analyses included in reports are estimates based on owner-provided information and general industry benchmarks. They do not constitute a full financial audit and should be verified by a CPA or financial advisor prior to any transaction.
Users are responsible for maintaining the security of their account credentials. ClearValue Advisory will notify account holders via email after 5 consecutive failed login attempts. Two-factor authentication is available and strongly recommended for Enterprise report access. ClearValue Advisory is not liable for unauthorized account access resulting from compromised credentials.
Reports, analyses, and recommendations generated by ClearValue Advisory use artificial intelligence and large language models. AI-generated content may contain errors, omissions, or inaccuracies. All reports should be reviewed by a qualified professional before being relied upon for business decisions, negotiations, or transactions.
Broker partners who use ClearValue Advisory's white-label platform are responsible for reviewing all AI-generated reports before releasing them to clients. ClearValue Advisory is not liable for reports released to clients without broker review. The broker of record assumes professional responsibility for the accuracy and appropriateness of released reports.
For questions contact support@bizvaluefree.com
ClearValue Advisory · bizvaluefree.com · (702) 848-4663