Terms & Conditions

1. Acceptance of Terms

By creating an account or using Deal14, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use Deal14. These Terms apply to all users, including those on free plans, paid subscriptions, and trial access.

2. Description of Service

Deal14 is a web-based financial modelling tool designed to assist users in analysing SBA 7(a) small business acquisitions. The platform provides:

• Deal modelling tools: EBITDA analysis, DSCR projections, capital stack modelling, IRR calculations, and valuation outputs.
• Document generation: IOI/LOI drafts, deal memos, and teaser pages.
• AI-assisted analysis: AI-powered review of deal data using third-party large language model APIs.
• Pipeline management: tracking of multiple deals through acquisition stages.

3. Not Professional Advice — Critical Disclaimer

Specifically:

• Nothing on Deal14 constitutes financial advice, investment advice, accounting advice, legal advice, or tax advice.
• Deal14 outputs — including DSCR projections, valuations, EBITDA calculations, IRR estimates, and BRIDGE scores — are modelling outputs based solely on the data you enter. They are not representations of actual deal outcomes.
• AI-generated analysis is produced by third-party language models that may produce inaccurate, incomplete, or misleading outputs. AI outputs should be treated as a starting point for further research and professional review, not as authoritative analysis.
• SBA 7(a) loan eligibility, approval, and terms are determined solely by SBA-approved lenders. Deal14's SBA eligibility checks are indicative only and do not constitute a lender assessment.
• You should engage qualified professionals — including CPAs, M&A attorneys, SBA lenders, and business brokers — before making any acquisition decision.

You bear sole responsibility for any decisions made based on Deal14 outputs.

4. User Responsibilities

You agree to:

• Provide accurate information when creating your account.
• Ensure that financial data you enter into Deal14 is accurate to the best of your knowledge.
• Maintain the confidentiality of your account credentials and API keys.
• Use Deal14 only for lawful purposes and in compliance with applicable laws.
• Not use Deal14 to model, facilitate, or assist in any illegal transaction, including fraudulent loan applications or money laundering.
• Not attempt to reverse-engineer, scrape, or copy the Deal14 platform or its underlying algorithms.
• Not share your account with third parties or resell access to Deal14.

5. AI Features — Additional Terms

When you use AI Analysis or Data Room Extraction features:

• You acknowledge that deal data will be transmitted to third-party LLM providers (Anthropic, OpenAI, or others) for processing. See our Privacy Policy for full details.
• You confirm that you have the right to share the data you submit for AI processing, including any third-party business information, financial statements, or documents.
• AI outputs are not reviewed or verified by Deal14 and may contain errors, hallucinations, or omissions. Do not rely on AI outputs without independent verification.
• AI features are powered by Deal14's platform API key. Credits are consumed per AI call as described in your plan.
• AI credits purchased on Deal14 are non-refundable once consumed.

6. Subscriptions, Billing, and Refunds

• Deal14 offers free and paid subscription plans. Paid plans are billed monthly or as one-time credit purchases via Stripe.
• Subscriptions renew automatically at the end of each billing period. You may cancel at any time via the billing portal; your access continues until the end of the paid period.
• We reserve the right to change pricing. We will give at least 14 days' notice of price changes to existing subscribers.
• Refunds are handled on a case-by-case basis. If you believe you have been charged in error, contact support@deal14.com within 14 days of the charge.
• AI credits are non-refundable once purchased, except where required by law.
• The Stripe statement descriptor for charges is: ENOVIXPRO DEAL14.

7. Free Trial

Deal14 offers new users a 14-day Pro plan trial upon signup. The following terms apply:

• Trial duration: 14 calendar days from account creation.
• Trial plan: Pro access with 250 AI credits (enough for approximately 5 full deal analyses).
• No automatic charge: your trial expires automatically with no charge. Deal14 does not store payment information during the trial.
• After expiry: your account reverts to the Free plan (1 active deal, 20 credits, 8 panels). All deal data is preserved.
• Admin-granted trials: Deal14 may grant extended trials at its discretion. These are subject to the same no-card, no-charge terms unless explicitly stated otherwise.
• One trial per account: the trial is granted once per email address.

8. Intellectual Property

Deal14 and all its components — including the platform interface, engine logic, algorithms, design, and documentation — are owned by EnovixPro LLC and protected by intellectual property laws.

Your deal data remains yours. You grant Deal14 a limited licence to process and store your data solely to provide the service. We do not claim ownership of data you enter.

You may not copy, reproduce, distribute, or create derivative works based on Deal14 or its outputs for commercial purposes without written permission.

9. Privacy

Our collection and use of your data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Disclaimers and Limitation of Liability

Deal14 is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or accuracy of financial outputs.

To the maximum extent permitted by applicable law, Deal14 shall not be liable for:

• Any loss of profits, revenue, data, business opportunity, or goodwill.
• Any indirect, incidental, special, consequential, or punitive damages.
• Losses arising from reliance on Deal14 outputs, AI analysis, or modelling results.
• Losses arising from failed or declined SBA loan applications.
• Any acquisition or investment decision made using Deal14.
• Service interruptions, data loss, or security incidents beyond our reasonable control.

In jurisdictions that do not permit exclusion of certain warranties or limitation of liability, our liability is limited to the maximum extent permitted by law. In all other cases, our total aggregate liability to you shall not exceed the greater of (a) the amount you paid to Deal14 in the 3 months preceding the claim, or (b) USD $100.

11. Indemnification

You agree to indemnify and hold harmless Deal14 and its officers, employees, and contractors from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of Deal14, your breach of these Terms, or your violation of any third-party rights.

12. Termination

We reserve the right to suspend or terminate your account at any time if you breach these Terms, engage in fraudulent activity, or use Deal14 in a manner that harms the platform or other users.

You may delete your account at any time from Settings → Account. On termination, your deal data will be deleted in accordance with our Privacy Policy.

13. Modifications to the Service

We may modify, suspend, or discontinue any part of Deal14 at any time. We will make reasonable efforts to give advance notice of significant changes. Continued use of Deal14 after modifications constitutes acceptance of the updated service.

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to conflict of law principles.

Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or your use of Deal14 shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may seek injunctive relief in a court of competent jurisdiction for intellectual property disputes or imminent harm. You waive any right to a jury trial and to participate in a class action lawsuit or class-wide arbitration.

Arbitration opt-out: You may opt out of the arbitration agreement in this Section 14 by notifying us in writing at support@deal14.com within 30 days of first creating your account. Your opt-out notice must include your name, email address, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms.

15. Changes to These Terms

We may update these Terms from time to time. We will notify you by email or a prominent in-app notice at least 14 days before material changes take effect. Continued use after the effective date constitutes acceptance.

16. Contact

For questions about these Terms:

• Email: support@deal14.com
• Product: deal14.com
• Entity: EnovixPro LLC, New Jersey, United States