Terms of Service
Effective Date: March 1, 2026 · Governed by Florida Law
By accessing or using the Altos IQ platform at altosiq.com (the "Platform"), you agree to be legally bound by these Terms of Service. If you do not agree, discontinue use immediately. These Terms constitute a binding legal agreement between you and Altos IQ LLC, a Florida limited liability company.
1. Acceptance of Terms
By accessing or using the Platform, you ("User," "you," or "your") agree to be bound by these Terms, our Privacy Policy, and Refund Policy incorporated herein by reference. Use of the Platform constitutes acceptance.
2. Eligibility
You may use the Platform only if you are at least 18 years of age, have legal authority to bind yourself or your organization, and are not prohibited from using the Platform under applicable law, including U.S. sanctions or export controls.
3. Description of Services
Altos IQ provides a SaaS platform offering informational business valuation analysis (SDE, DCF, EBITDA multiples); M&A deal intelligence; capital raise readiness assessments; industry benchmarking; exit planning frameworks; financial document normalization; and AI-assisted report generation.
All platform outputs are for informational and strategic planning purposes only. Outputs are not authorized for use in IRS tax filings; litigation or court proceedings; IRC Section 409A stock option valuations; ASC 820 financial reporting; official lender or SBA loan collateral valuations; or securities offerings. For these purposes, you must engage a licensed professional with appropriate credentials (ASA, CVA, ABV, CFA, or equivalent).
4. Account Registration & Security
You agree to provide accurate registration information, maintain the confidentiality of your credentials, notify us immediately of unauthorized access at [email protected], and accept responsibility for all activity under your account. We may suspend accounts that violate these Terms, are associated with fraud, or have been inactive for more than 12 months.
5. Subscription Plans & Payment
Subscriptions are billed monthly or annually in advance in U.S. dollars. All fees are non-refundable except as provided in our Refund Policy. Failure to pay may result in immediate account suspension. We use Stripe for payment processing. We may change subscription pricing with 30 days' advance notice. Continued use after a price change constitutes acceptance. You are responsible for all applicable taxes.
6. Acceptable Use Policy
You agree not to: use the Platform for fraudulent, deceptive, or unlawful purposes; reverse-engineer or decompile any Platform component; use bots or scrapers to extract Platform data; resell or sublicense Platform access without written authorization; upload malicious code; impersonate any person or entity; misrepresent Platform outputs to lenders, investors, courts, or regulators; or violate any applicable securities laws.
7. Intellectual Property
The Platform and all software, algorithms, methodologies, templates, and brand assets are the exclusive intellectual property of Altos IQ LLC, protected by U.S. and international copyright, trademark, and trade secret laws. You receive a limited, non-exclusive, non-transferable, revocable license to access the Platform for your internal business purposes only.
You retain ownership of all financial data and documents you upload ("User Data"). You grant us a limited license to process User Data solely to provide services to you. We do not sell your User Data. Platform outputs may be used for your internal business purposes only and may not be resold, redistributed, or misrepresented as independently performed licensed appraisals.
8. Confidentiality
Both parties agree to maintain the confidentiality of non-public information received in connection with the Platform. We will not disclose your User Data to third parties except as required by law, court order, or as strictly necessary to provide services. You agree not to disclose our proprietary methodologies, pricing structures, or trade secrets.
9. Data Security
We employ commercially reasonable security measures including TLS 1.2+ encryption in transit, encryption at rest, access controls, and regular security audits. In the event of a breach affecting your personally identifiable information, we will notify you as required by applicable law.
10. Third-Party Integrations
The Platform may integrate with third-party services (e.g., QuickBooks, Xero, Stripe). Altos IQ is not responsible for the availability, accuracy, or privacy practices of third-party services. Your use of third-party integrations is governed by the respective third party's terms and privacy policies.
11. Disclaimers of Warranties
ALL SERVICES AND OUTPUTS PROVIDED BY ALTOS IQ ARE FOR INFORMATIONAL AND STRATEGIC PLANNING PURPOSES ONLY. THEY DO NOT CONSTITUTE A CERTIFIED APPRAISAL UNDER USPAP OR ANY PROFESSIONAL STANDARD; LEGAL, TAX, INVESTMENT, OR FINANCIAL ADVICE; OR A GUARANTEE OF ANY VALUATION RANGE OR TRANSACTION PRICE. THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. ALWAYS CONSULT QUALIFIED LEGAL, TAX, AND FINANCIAL PROFESSIONALS BEFORE MAKING DECISIONS BASED ON ANY ALTOS IQ OUTPUT.
12. Regulatory Scope & Professional Referral
Altos IQ is not a licensed business appraiser, registered investment advisor, registered broker-dealer, or licensed attorney. Tax and estate valuations (IRS Form 706/709) require ASA, ABV, or CVA credentials. Litigation support requires ASA, CVA, or CFA credentials. IRC Section 409A valuations require an independent qualified appraiser. ASC 820 financial reporting requires audit-credentialed firms. SBA and bank loan collateral valuations require a lender-approved Certified General Appraiser. Facilitating securities transactions requires FINRA registration (Series 7, 63, or 79).
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALTOS IQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY. IN NO EVENT SHALL ALTOS IQ'S TOTAL LIABILITY EXCEED THE GREATER OF: (A) FEES PAID IN THE THREE MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00).
14. Indemnification
You agree to indemnify and hold harmless Altos IQ, its officers, directors, employees, and agents from all claims, liabilities, and costs arising from your violation of these Terms, your violation of applicable law, your misrepresentation of Platform outputs to third parties, or any dispute arising from your use of the Platform.
15. Termination
Either party may terminate this agreement at any time. We may suspend or terminate your access immediately without notice for violations of these Terms, fraudulent activity, or security threats. Upon termination, your access is revoked; outstanding fees remain due; you may request data export within 30 days. Sections 7, 11, 12, 13, 14, 17, and 18 survive termination.
16. Modifications to Terms
We may modify these Terms at any time with at least 30 days' advance notice of material changes via email or Platform notice. Continued use after the effective date constitutes acceptance. If you disagree, cancel your subscription and discontinue use.
17. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.
EXCEPT FOR CLAIMS FOR INJUNCTIVE RELIEF, ALL DISPUTES SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION UNDER AAA RULES, CONDUCTED IN MIAMI-DADE COUNTY, FLORIDA. THE ARBITRATOR'S DECISION IS FINAL AND BINDING.
YOU WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. ALL CLAIMS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY.
Non-arbitrable claims shall be resolved exclusively in the state or federal courts of Miami-Dade County, Florida.
18. Miscellaneous
These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and Altos IQ. If any provision is unenforceable, it shall be modified minimally; the rest remain in force. Failure to enforce any right is not a waiver. You may not assign rights under these Terms. We may assign in connection with a merger, acquisition, or sale of assets. We are not liable for delays caused by circumstances beyond our reasonable control. Nothing herein creates a partnership, joint venture, employment, or agency relationship.
19. Contact
Altos IQ LLC — Legal & Compliance
[email protected]
altosiq.com