is not a licensed financial adviser, CPA, attorney, appraiser, or lender. All calculators, valuations, projections, and outputs are mathematical models based on your inputs. They are provided for informational and educational purposes only and do not constitute professional advice of any kind. Do not make any financial, tax, legal, or transactional decision based solely on any output from this platform without first consulting a qualified professional. See Sections 4 and 5 for the complete disclaimer and limitation of liability.

Section 1

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and ExitAdviser.com ("," "we," "us," or "our") governing your access to and use of the website, platform, calculators, analyzers, guides, and all related tools and services (collectively, the "Services").

By accessing or using the Services in any manner -- including browsing the website, creating an account, using any calculator or tool, or downloading any output -- you agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must not use the Services.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Services following any such change constitutes your acceptance of the revised Terms. The "Last Updated" date at the top of this page reflects the most recent revision.

Section 2

Description of Services

provides a suite of free and account-gated financial modeling tools, calculators, and reference guides designed to assist business owners, Advisers, and investors in analyzing financial scenarios related to business acquisition, sale, financing, valuation, and tax planning.

The Services include but are not limited to:

Business valuation calculators including Capitalized Earnings, DCF, Excess Earnings, Asset-Based NAV, 409A FMV, and startup pre-money valuation models
Financing calculators including SBA 7(a), SBA 504, conventional loan, commercial mortgage, equipment financing, seller note, HELOC, line of credit, and alternative capital cost analysis
Tax and depreciation tools including Section 179, bonus depreciation, 1031 like-kind exchange modeling, and S-Corp / C-Corp tax return EBITDA reconstruction
Practice finance calculators for dental, medical, and veterinary practices including P&L analysis, payor mix modeling, benchmark comparison, and historical add-back normalization
Working capital and underwriting tools including M&A peg analysis, lender credit scoring, and retirement income modeling
Industry guides providing reference information on how specific business types are valued, financed, and transacted

All Services are provided for informational and educational purposes only and do not constitute financial, tax, legal, investment, accounting, or professional advice of any kind. See Section 4 (Disclaimer of Advice) and Section 5 (Limitation of Liability) for the full scope of our disclaimers.

Section 3

Account Registration & Eligibility

Certain features of the Services require you to create a free account. By registering, you represent and warrant that:

You are at least 18 years of age and have the legal capacity to enter into binding agreements
All information you provide during registration is accurate, current, and complete
You will maintain the accuracy of your account information and promptly update it as needed
You are responsible for maintaining the confidentiality of your account credentials
You are responsible for all activity that occurs under your account
You will notify us immediately at services@exitadviser.com of any unauthorized use of your account

We reserve the right to terminate or suspend any account at our sole discretion, without notice, for conduct that we determine violates these Terms or is otherwise harmful to other users, us, or third parties.

Section 4

Disclaimer of Professional Advice

IMPORTANT: is not a registered investment adviser, broker-dealer, financial planner, certified public accountant, licensed attorney, or any other type of licensed professional. Nothing on this website or within the Services constitutes, or should be construed as, professional financial, tax, legal, investment, accounting, or transactional advice.

No financial or investment advice

The calculators, models, outputs, valuations, projections, and any other results generated by the Services are mathematical computations based solely on the inputs you provide. They are intended as a starting point for analysis and discussion -- not as definitive valuations, formal appraisals, or investment recommendations. The outputs do not reflect actual market conditions, buyer sentiment, lender underwriting criteria, or any other real-world variables beyond what you enter.

No tax advice

Tax-related tools on , including the Section 179 Calculator, 1031 Exchange Calculator, S-Corp Tax Return Analyzer, and C-Corp Tax Return Analyzer, model general tax concepts based on publicly available tax law as of the tool's last update. Tax law changes frequently. The outputs of these tools do not constitute tax advice and should not be relied upon for the preparation of any tax return, tax election, tax planning strategy, or transaction structure. Consult a qualified CPA or tax attorney before making any tax-related decisions.

No legal advice

Nothing in the Services constitutes legal advice. Deal structure discussions, references to specific code sections (including IRC Section 409A, Section 453, Section 1031, and others), and any other legally-framed content are provided for informational context only. Legal interpretation, enforceability, and applicability vary by jurisdiction, entity structure, and individual circumstance. Consult a licensed attorney before entering into any transaction, agreement, or legal arrangement.

No 409A appraisal or IRS safe harbor

The 409A Valuation Calculator models the mathematical framework of OPM Backsolve, PWERM, and Guideline Company methods. Use of this tool does not constitute a qualified independent appraisal and does not establish an IRS safe harbor under IRC Section 409A. IRS safe harbor protection requires a signed appraisal report from a qualified independent appraiser with demonstrated valuation expertise. does not provide appraisal services and is not a qualified appraiser.

No SBA, lender, or underwriting guarantee

Financing calculators model hypothetical loan scenarios based on your inputs. Actual loan approvals, interest rates, terms, fees, and eligibility are determined solely by lenders and, where applicable, the U.S. Small Business Administration. does not guarantee financing of any kind, is not a lender, and does not make loan referrals.

Section 5

Limitation of Liability

READ THIS SECTION CAREFULLY. IT LIMITS OUR LIABILITY TO YOU.

Disclaimer of warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, TITLE, OR NON-INFRINGEMENT. DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. DOES NOT WARRANT THAT THE RESULTS OBTAINED FROM USE OF THE SERVICES WILL BE ACCURATE, RELIABLE, OR SUITABLE FOR ANY PARTICULAR PURPOSE.

No liability for outputs or reliance

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL , ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH:

Your use of, or inability to use, the Services or any outputs generated by the Services
Any decision, transaction, investment, financing arrangement, tax election, or legal action you take or refrain from taking based on any output, result, or content from the Services
Any inaccuracy, error, omission, or outdated information in the Services or in any output generated by the Services
Any unauthorized access to or alteration of your account, data, or transmissions
Any loss of business, revenue, profits, goodwill, data, or other intangible losses
Any statements or conduct of any third party in connection with the Services
Any other matter relating to the Services, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory

Even if has been advised of the possibility of such damages, our total aggregate liability to you for any claims arising under these Terms shall not exceed the greater of (a) the amount you paid to in the twelve (12) months prior to the claim, or (b) one hundred U.S. dollars ($100.00).

User responsibility for inputs and outputs

The accuracy of any output generated by the Services depends entirely on the accuracy, completeness, and appropriateness of the inputs you provide. makes no representation that any particular inputs are appropriate for your situation. You are solely responsible for verifying all inputs, reviewing all outputs, and making your own independent determination of their accuracy and applicability before taking any action.

Market and regulatory changes

Financial markets, interest rates, tax laws, SBA regulations, EBITDA multiples, and other variables used within the Services change frequently and without notice. does not undertake any obligation to update the Services in real time or on any specific schedule. Outputs generated from the Services may not reflect current market conditions at the time of use.

Jurisdictional limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain types of damages. In those jurisdictions, our liability is limited to the fullest extent permitted by applicable law. Nothing in these Terms is intended to limit any rights you may have under applicable consumer protection laws in your jurisdiction.

Section 6

Indemnification

You agree to defend, indemnify, and hold harmless and its owners, officers, directors, employees, contractors, affiliates, licensors, and agents from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:

Your use of the Services or any outputs generated by the Services
Any decision, transaction, or action you take based on the Services
Your violation of these Terms
Your violation of any third-party right, including any intellectual property right, privacy right, or contractual obligation
Any content you submit to the Services, including inputs, account information, or any other data you provide
Your use of the Services in a manner not authorized by these Terms or by applicable law

Section 7

Intellectual Property & Ownership

All content on , including but not limited to text, graphics, user interfaces, visual designs, software, code, calculation methodologies, guide content, calculator logic, and branding (collectively, "Content"), is owned by or licensed to and is protected by applicable copyright, trademark, trade secret, and other intellectual property laws.

License to use

Subject to your compliance with these Terms, grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your personal, non-commercial use in connection with evaluating business transactions, financing scenarios, and related financial decisions.

Prohibited uses

You may not, without our prior written consent:

Reproduce, distribute, publicly display, or create derivative works from the Services or any Content
Reverse engineer, decompile, or disassemble any software or code underlying the Services
Use the Services to build a competing product or service
Scrape, crawl, or systematically extract data from the Services by automated means
Remove or alter any proprietary notices, labels, or trademarks on the Services
Use the Services in any manner that could damage, disable, overburden, or impair the Services or interfere with any other party's use of the Services

Your inputs

You retain ownership of all data and inputs you provide to the Services. By submitting inputs, you grant a limited, non-exclusive license to process and store your inputs solely for the purpose of providing the Services to you. We do not sell your input data to third parties.

Section 8

Privacy & Data

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the data practices described in our Privacy Policy.

Account data (name, email, company) is used solely to provide and improve the Services and is never sold to third parties
Calculator inputs and session data are stored in your account solely for your use and are not shared with third parties
Usage analytics may be collected in aggregate, anonymized form to improve the Services
Session data expires after 90 days of inactivity

We use commercially reasonable technical and organizational measures to protect your data. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Section 9

Acceptable Use

You agree not to use the Services for any unlawful purpose or in any way that violates these Terms. Without limiting the foregoing, you agree not to:

Use the Services to facilitate any fraudulent, deceptive, or misleading activity, including preparing false financial statements or misleading valuations for third parties
Use the Services in connection with any securities fraud, wire fraud, bank fraud, mortgage fraud, or other financial crime
Attempt to gain unauthorized access to any portion of the Services or any other account, system, or network
Use the Services to harass, abuse, or harm any person
Use the Services in any way that violates applicable federal, state, local, or international law or regulation
Impersonate , an employee, or any other person or entity

reserves the right to investigate and take appropriate legal action against anyone who violates this provision, including terminating the offending user's account and reporting the activity to law enforcement authorities.

Section 10

Third-Party Links & Services

The Services may contain links to third-party websites, tools, or resources. These links are provided for your convenience only. has no control over the content, privacy practices, or accuracy of information on third-party sites and does not endorse or make any representation about them.

is not responsible or liable for any loss or damage that may arise from your use of any third-party website or resource. Your use of third-party services is governed by those parties' own terms and privacy policies.

Section 11

Modifications to Services

reserves the right, at any time and without notice, to:

Modify, suspend, or discontinue any part of the Services
Add, remove, or change features, calculators, or tools
Change pricing for any paid features we may introduce in the future
Limit access to certain features or impose usage limits

We will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services. We will endeavor to provide advance notice of material changes where practicable.

Section 12

Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Informal resolution

Before initiating any formal legal proceeding, you agree to contact us at legal@exitAdviser.com and attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days. This informal process is a prerequisite to any formal legal proceeding.

Arbitration

Any dispute that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted in English, and the arbitrator's award shall be final and binding. You and each waive any right to a jury trial and any right to participate in a class action or class arbitration.

Venue

For any claims not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in the State of Delaware.

Time limitation on claims

ANY CLAIM YOU HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MUST BE FILED WITHIN ONE (1) YEAR OF THE DATE THE CLAIM AROSE, OR THE CLAIM IS PERMANENTLY BARRED.

Section 13

Severability & Entire Agreement

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and with respect to the Services and supersede all prior agreements, understandings, representations, and negotiations, whether written or oral, relating to the same subject matter.

No waiver by of any term or condition of these Terms shall be deemed a continuing waiver of such term or condition or any other term or condition. 's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Section 14

Contact Information

Questions about these Terms should be directed to:

ExitAdviser.com
Legal Department
Email: legal@exitAdviser.com
General: services@exitadviser.com

We aim to respond to all legal inquiries within 5 business days.

Terms of Service &Liability Disclaimer