Terms of Service

Last updated: 2026

1. Acceptance of Terms

By using this website, you agree to these Terms of Service, the Disclaimer, and the Privacy Policy. If you do not agree, do not use the website.

2. Description of Service

This website provides self-service tools based on institutional valuation methodologies to generate educational research reports and savable Locked Cards. The service is provided "as is," and we may modify, suspend, or discontinue any or all of its features at any time.

3. Account and Data

You are responsible for all activity that occurs under your account. If you authorize a connection to GitHub, we write your Locked Cards only to the repository you expressly designate, and we never read from or write to any unauthorized repository; you may revoke this authorization at any time through GitHub. You retain ownership of your content.

4. Acceptable Use

You agree not to misuse the service, including by reverse engineering it, scraping its backend rules, attacking or interfering with the service, or using it for any unlawful purpose. The valuation rules and formulas used on this website are our intellectual property and may not be extracted or redistributed without our authorization.

5. Fees and Subscriptions

Certain features may require a subscription or paid credits. Specific pricing and billing terms are governed by the applicable checkout page. Except as required by law or otherwise agreed in writing, fees once paid are non-refundable.

6. Disclaimer and Limitation of Liability

This service does not constitute investment advice. The applicable disclaimers and limitations of liability are set out in the Disclaimer, which is incorporated into and forms an integral part of these Terms.

7. Changes

We may update these Terms from time to time. Your continued use of the website following any update constitutes your acceptance of the revised Terms.