Privacy Policy

Effective Date: 31 May 2025
Last Updated: 31 May 2025

Introduction

This Privacy Policy describes how ValuatePro ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application (the "App"). We are committed to protecting your privacy and ensuring the security of your personal information.

Information We Collect

Information You Provide Directly

• Business Data: Revenue, profit, growth rates, customer counts, business type, and other financial metrics you enter for valuation purposes

• Account Information: If you create an account (name, email address)

• Purchase Information: Transaction details for in-app purchases (processed by Apple)

• Support Communications: Information you provide when contacting our support team

Information Collected Automatically

• Device Information: Device model, operating system version, unique device identifiers

• Usage Information: How you interact with the App, features used, time spent

• Technical Information: IP address, crash reports, performance data

• App Analytics: Aggregated usage statistics to improve our services

How We Use Your Information

We use the collected information to:

• Provide Valuation Services: Process your business data to generate accurate valuations

• Improve Our App: Analyze usage patterns to enhance features and user experience

• Customer Support: Respond to your inquiries and provide technical assistance

• Legal Compliance: Comply with applicable laws and regulations

• Security: Protect against fraud, abuse, and security threats

Data Storage and Security

Local Storage

• All business valuation data is stored locally on your device

• We do not store your sensitive business financial information on our servers

• Data remains on your device and is not transmitted to third parties

Security Measures

• Industry-standard encryption for data transmission

• Secure coding practices to protect against vulnerabilities

• Regular security assessments and updates

• Access controls to limit data access to authorized personnel only

Data Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties, except:

Service Providers

• Apple App Store (for payment processing)

• Analytics providers (anonymized data only)

• Cloud hosting services (for app functionality, not user data)

Legal Requirements

• When required by law or court order

• To protect our rights, property, or safety

• To investigate fraud or security issues

Third-Party Services

Our App may use third-party services:

• Apple In-App Purchases: Subject to Apple's Privacy Policy

• Analytics Services: We use anonymized analytics to improve our App

• Crash Reporting: Automated crash reports to improve stability

Your Rights and Choices

Data Access and Control

• Local Data: You can delete all your business data by uninstalling the App

• Account Data: You can request access to or deletion of your account information

• Marketing Communications: You can opt out of promotional emails

Data Portability

• You can export your valuation reports as PDFs

• Business data remains accessible on your device

Children's Privacy

Our App is not intended for users under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it.

International Data Transfers

If you use our App outside the United States, your information may be transferred to and processed in the United States, where our servers are located and our central database is operated.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the new Privacy Policy in the App

• Sending an email notification (if you have provided an email address)

• Displaying a prominent notice in the App

Contact Information

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Email:  tustison@protonmail.com

Legal Basis for Processing (GDPR)

If you are in the European Economic Area (EEA), our legal basis for processing your personal information includes:

• Consent: When you provide explicit consent

• Contract: To fulfill our services to you

• Legitimate Interest: To improve our services and ensure security

• Legal Obligation: To comply with applicable laws

Data Retention

We retain your information for as long as necessary to:

• Provide our services to you

• Comply with legal obligations

• Resolve disputes and enforce our agreements

Business data stored locally on your device is retained until you delete the App or manually delete the data.

Terms of Service

Effective Date: 31 May 2025
Last Updated: 31 May 2025

Agreement to Terms

By downloading, installing, or using the ValuatePro mobile application (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

Description of Service

ValuatePro is a mobile application that provides business valuation estimates using various financial methodologies including revenue multiples, profit multiples, and discounted cash flow analysis. The App generates estimates based on user-provided business data and industry-standard valuation methods.

Eligibility

You must be at least 18 years old and have the legal capacity to enter into agreements to use this App. By using the App, you represent and warrant that you meet these requirements.

User Accounts and Responsibilities

Account Security

• You are responsible for maintaining the confidentiality of your account information

• You must notify us immediately of any unauthorized use of your account

• You are responsible for all activities that occur under your account

Accurate Information

• You agree to provide accurate, complete, and current information

• You are responsible for updating your information as needed

• Providing false information may result in suspension or termination of your access

Acceptable Use

You agree to use the App only for lawful purposes and in accordance with these Terms. You agree NOT to:

Prohibited Activities

• Use the App for any illegal or unauthorized purpose

• Attempt to gain unauthorized access to our systems or networks

• Interfere with or disrupt the App's functionality

• Reverse engineer, decompile, or disassemble the App

• Remove or modify any copyright, trademark, or proprietary notices

• Use automated systems to access the App without permission

Valuation Disclaimers

Important Limitations

• Educational Purposes: Valuations provided are for informational and educational purposes only

• Not Financial Advice: The App does not provide financial, investment, or professional advice

• Estimates Only: All valuations are estimates based on user-provided data and may not reflect actual market value

• No Guarantees: We make no representations about the accuracy or completeness of valuations

User Responsibility

• You acknowledge that business valuations are complex and context-dependent

• You should consult qualified professionals for formal business valuations

• You use the App's output at your own risk and discretion

• We are not liable for any decisions made based on App-generated valuations

Intellectual Property Rights

Our Rights

• The App and all content, features, and functionality are owned by us and protected by copyright, trademark, and other intellectual property laws

• Our trademarks and trade names may not be used without our prior written consent

User Content

• You retain ownership of the business data you input into the App

• You grant us a limited license to process your data to provide valuation services

• You represent that you have the right to provide any data you input

In-App Purchases

Payment Terms

• In-app purchases are processed through the Apple App Store

• All purchases are subject to Apple's Terms of Service

• Purchases are non-refundable except as required by applicable law

• Premium features are available immediately upon successful purchase

Subscription Terms (if applicable)

• Subscriptions automatically renew unless cancelled

• You can cancel through your Apple ID account settings

• Cancellation takes effect at the end of the current billing period

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information. By using the App, you consent to our data practices as described in the Privacy Policy.

Disclaimers and Limitations of Liability

Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF YOUR USE OF THE APP.

Maximum Liability

Our total liability to you for all claims related to the App shall not exceed the amount you paid for the App or $100, whichever is greater.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from:

• Your use of the App

• Your violation of these Terms

• Your violation of any third party rights

• Any content you provide through the App

Termination

By You

You may stop using the App at any time by deleting it from your device.

By Us

We may suspend or terminate your access to the App at any time, with or without notice, for violation of these Terms or for any other reason.

Effect of Termination

Upon termination, your right to use the App will cease immediately. Data stored locally on your device will remain until you delete the App.

Updates and Modifications

App Updates

We may release updates to improve functionality, security, or compatibility. Some updates may be required to continue using the App.

Terms Updates

We reserve the right to modify these Terms at any time. Material changes will be communicated through:

• In-app notifications

• Email notifications (if you provided an email)

• Updated Terms posted in the App

Continued use after changes constitutes acceptance of the new Terms.

Governing Law and Dispute Resolution

Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of the App will be resolved through:

1. Informal Resolution: We encourage contacting us first to resolve issues

2. Binding Arbitration: If informal resolution fails, disputes will be resolved through binding arbitration

3. Class Action Waiver: You waive the right to participate in class action lawsuits

Severability

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

Contact Information

If you have questions about these Terms, please contact us:

Email: legal@valuatepro.com
Address: [Your Business Address]
Phone: [Your Phone Number]

Acknowledgment

By using ValuatePro, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Legal Disclaimer

Effective Date: 31 May 2025
Last Updated: 31 May 2025

Legal Disclaimer for ValuatePro

IMPORTANT: PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING VALUATEPRO

General Disclaimer

The information and valuations provided by the ValuatePro mobile application are for informational and educational purposes only and should not be considered as professional financial, investment, legal, tax, or business advice.

Not Professional Advice

Financial Advice Disclaimer

• ValuatePro does not provide personalized financial advice

• We are not licensed financial advisors, investment advisors, or certified public accountants

• The App's calculations and recommendations are automated and algorithmic, not professional opinions

• You should consult with qualified professionals before making any financial or business decisions

Investment Disclaimer

• Business valuations provided by the App are estimates only

• These estimates should not be used as the basis for investment decisions

• We do not recommend buying, selling, or holding any business or investment

• Past performance and historical data do not guarantee future results

Valuation Limitations

Accuracy and Reliability

• No Warranty of Accuracy: We make no representations or warranties about the accuracy, reliability, or completeness of any valuations

• Estimates Only: All valuations are estimates based on user-provided data and standardized formulas

• Actual Values May Vary: Real business values may differ significantly from App-generated estimates

• Market Dependencies: Actual valuations depend on market conditions, buyer preferences, and numerous other factors not captured by the App

Methodology Limitations

• The App uses simplified valuation models that may not account for all relevant factors

• Industry multiples and assumptions may not apply to your specific business

• Unique business characteristics, assets, liabilities, and market position are not fully considered

• Professional valuations require detailed due diligence that the App cannot perform

User Responsibility

Due Diligence

• Users are responsible for verifying the accuracy of their input data

• Users should conduct independent research and analysis

• Users should seek professional advice for important business decisions

• Users acknowledge that they understand the limitations of automated valuations

Professional Consultation

Before making any significant business decisions, you should consult with:

• Certified Business Appraisers for formal valuations

• Financial Advisors for investment guidance

• Attorneys for legal matters

• Certified Public Accountants for tax implications

• Business Brokers for sale transactions

Regulatory Compliance

Securities Laws

• ValuatePro is not a registered investment advisor

• We do not provide securities advice or recommendations

• Users must comply with all applicable securities laws and regulations

• Business sale transactions may be subject to various legal and regulatory requirements

Professional Licensing

• We are not licensed to provide professional services in any jurisdiction

• Professional valuations may require licensed appraisers in your jurisdiction

• Users should verify licensing requirements for their specific needs

Limitation of Liability

No Liability for Decisions

• We are not liable for any decisions made based on App-generated valuations

• We are not responsible for any financial losses resulting from use of the App

• Users assume all risks associated with using the valuation estimates

• Our liability is limited to the maximum extent permitted by law

Third-Party Reliance

• Third parties should not rely on valuations generated by the App

• Professional appraisals may be required for lending, legal, or regulatory purposes

• We are not liable for any third-party reliance on App-generated valuations

Industry-Specific Disclaimers

Technology Businesses

• Rapidly changing technology markets may not be accurately reflected in historical multiples

• Intellectual property values are not assessed by the App

• Competitive dynamics and disruption risks are not considered

Service Businesses

• Client concentration and contract terms significantly impact value but are not fully analyzed

• Key person dependencies may not be adequately reflected

• Service quality and reputation factors are not quantified

E-commerce Businesses

• Platform dependencies and policy changes create risks not captured by the App

• Inventory valuations and working capital needs are simplified

• Market competition and customer acquisition costs may be understated

Market Conditions

Economic Factors

• Valuations do not account for current or future economic conditions

• Interest rate changes, inflation, and market volatility affect business values

• Industry trends and cycles may not be reflected in the calculations

• Regional and local market factors are not considered

Timing Considerations

• Business values fluctuate based on timing and market conditions

• Seasonal factors and business cycles are not incorporated

• The App cannot predict optimal transaction timing

Data and Privacy

Data Accuracy

• Users are responsible for the accuracy of all input data

• Incorrect or incomplete data will result in inaccurate valuations

• We do not verify or validate user-provided information

• Data quality directly impacts valuation quality

Updates and Changes

This disclaimer may be updated from time to time. Continued use of the App after changes constitutes acceptance of the updated disclaimer.

Contact for Questions

If you have questions about this disclaimer or need clarification about the App's limitations, please contact us at tustison@protonmail.com.

Acknowledgment

BY USING VALUATEPRO, YOU ACKNOWLEDGE THAT:

✓ You have read and understood this disclaimer
✓ You understand the limitations of automated business valuations
✓ You will not rely solely on the App for important business decisions
✓ You will seek professional advice when appropriate
✓ You assume all risks associated with using the valuation estimates
✓ You will not hold us liable for any decisions made based on the App's output

Remember: Professional business valuations are complex processes that require expertise, market knowledge, and detailed analysis. ValuatePro is a tool to help you understand potential value ranges, but it cannot replace professional judgment and analysis.