Terms and Conditions

These Terms and Conditions ("Terms") are a binding agreement between you and Blue Ridge Horizon Advisors, LLC, a North Carolina limited liability company doing business as Valuation Vitals ("Valuation Vitals," "we," "us"). They govern your use of the Valuation Vitals platform and any reports, scores, or other outputs it produces (the "Service").

By checking the acceptance box at first login, or by using the Service, you agree to these Terms and to our Privacy Policy at /privacy. If you do not agree, do not use the Service.

If your firm or organization has signed a Master Services Agreement ("MSA") and Order Form with us, that agreement governs the commercial relationship between your organization and us, and it controls if anything in these Terms conflicts with it. These Terms still apply to you as an individual user.

1. Who can use Valuation Vitals

You may use the Service only if you are at least 18 years old and using it for business purposes, not personal or household purposes. If you use the Service for a business, you represent that you have authority to accept these Terms on that business's behalf.

You are responsible for your account, for keeping your login credentials secure, and for all activity that happens under your account. Tell us promptly if you believe your account has been compromised.

We grant you a limited, non-exclusive, non-transferable right to use the Service for your internal business purposes. If you are an advisory or accounting firm, this includes using the Service to serve your own clients, subject to your MSA and Order Form.

The Service may be offered as early access or beta. Early access features may change, may be less reliable, may have usage limits, and may be withdrawn. If you joined a waitlist, you agreed to be contacted about the Service and you may opt out at any time.

2. Your responsibilities

You are responsible for the data you upload or connect, including its accuracy, completeness, and timeliness. We do not verify or correct your data. You are responsible for keeping your business profile and data current so that it reflects the true state of your business. This includes updating or deleting your data over its lifecycle.

You represent that you have the rights, authority, and consents needed to upload the data you provide. If you are a firm uploading a client's financial information, you represent that you have that client's authorization to do so.

You agree to use the Service, and any outputs, in compliance with applicable law. You are responsible for managing who in your organization may access the Service and for their use of it.

3. About the outputs, and their limits

The Service generates a Strength Score across a number of dimensions along with valuation ranges, market multiples, projected values, and a Resilience Roadmap. These outputs are informational estimates produced by software from the data you provide.

The outputs are not financial, tax, legal, investment, or accounting advice, and they are not a professional or certified business appraisal. You should not rely on them as such. Any decision, action, transaction, or price is yours, and you should seek advice from qualified professionals before acting.

We are not liable for any decision, action, transaction, or price that you or any third party takes or sets in reliance on an output. The outputs are algorithmic, any market data reflects information as of the time of the analysis, and we do not guarantee any transactional price or value.

Each report displays our Valuation and Output Disclaimer in full. That disclaimer is part of these Terms by reference, and you should read it.

4. Fees, billing, and trials

All commercial terms, including fees, the units we bill for, any trial period and allowance, included report volumes, overage rates, invoicing, and payment timing, are set out in your Order Form and MSA, which control. We do not restate those amounts here so that they can be updated without changing these Terms. Firms are onboarded only after a signed MSA and Order Form are in place. In-app billing explanations and tooltips are provided for convenience and do not change your Order Form.

5. Data, privacy, and security

Our Privacy Policy at /privacy describes in full what we collect, how we use it, and your choices. This section summarizes the key points; the Privacy Policy controls on privacy detail.

For the business data you upload, you (or your firm) are the controller and we are the processor, meaning you decide how that data is used and we process it to provide the Service. We collect account details, the financial statements and documents you upload, your business profile, and usage and audit logs. We do not store full payment card numbers.

We use your data to operate and improve the Service, to generate your outputs, to provide support, and to meet legal obligations. We do not use your data to train or fine-tune artificial intelligence ("AI") or machine learning ("ML") models. We do not sell or rent your data, and we do not engage in cross-context behavioral advertising. We share your data only with the service providers (subprocessors) that help us run the Service, and where required by law.

We may create and use aggregated and de-identified data that does not identify you, your firm, your clients, or any business, to operate, benchmark, and improve the Service. That data is not your data.

We use security measures including encryption in transit and at rest, access controls, tenant isolation, and audit logging. No system is fully secure, and we cannot guarantee absolute security. If a breach affecting your data occurs, we will notify you as required by law.

Our current subprocessors are available on request. We process data in the United States.

We retain your data as described in the Privacy Policy, generally for your subscription period and a limited window after it ends, with an opportunity to export before deletion. You may request earlier deletion, and we keep data longer only where the law requires.

Depending on where you live, you may have rights to opt out of marketing, and to access, correct, delete, or appeal decisions about your personal information. Where we act only as a processor for a firm, direct your request to that firm. See the Privacy Policy for how to make a request. The Service is not directed to anyone under 18, and we do not knowingly collect their information.

The standalone Data Processing Addendum ("DPA") is available to firms that require one. By default, the data section of the MSA together with this section and the Privacy Policy governs data processing.

6. Term, changes, and ending the relationship

Your subscription period, renewal, and any non-renewal notice are set out in your Order Form and MSA. We may suspend or terminate your access if you violate these Terms, if payment is past due under your Order Form, or as otherwise permitted in your MSA. Either party may terminate for an uncured material breach or on the other's insolvency, as described in the MSA.

When your access ends, you will have a limited window to export your data before we delete it, as described in the Privacy Policy and your MSA.

We may update these Terms. We will post the updated version with notice, and your continued use of the Service means you accept the update. If a change is material, we will ask you to accept the new version before you continue.

7. Intellectual property, warranties, and liability

We own the Service, including the platform, our methodology, our algorithms, our curated reference data, and the structure of the outputs. You own the data you upload. You grant us a limited license to use your data to provide the Service, and we grant you a limited license to use the outputs for your internal business purposes.

The Service and outputs are provided "as is" and "as available," without warranties of any kind, whether express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that outputs will be accurate for your purpose.

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data. Our total liability arising out of or relating to the Service is limited as set out in your Master Services Agreement.

8. Governing law and disputes

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws rules.

If a dispute arises, the parties will first try in good faith to resolve it. If they cannot, the dispute will be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in Mecklenburg County, North Carolina, except that either party may go to court for claims about intellectual property or confidentiality.

9. General

We may assign these Terms in connection with a merger, acquisition, or sale of assets. You may not assign them without our consent. Neither party is liable for delays or failures caused by events beyond its reasonable control. These Terms, the Privacy Policy, and, where applicable, your MSA and Order Form, are the entire agreement between us on their subject matter. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver.

Notices to us may be sent to legal@valvitals.com.

Version history

Version 1.0, effective July 10, 2026. This version replaces the earlier public Terms and Privacy pages.