Terms of Service | Acquisition Ace

Welcome to Acquisition Ace. These Terms of Service ("Terms") are a binding agreement between you and Acquisition Ace ("Acquisition Ace," "we," "us," or "our") governing your access to and use of the website at acquisitionace.io, our free tools and calculators, templates, market data, blog, newsletter, community, events, calls, and our paid educational programs (together, the "Services").

Please read these Terms carefully. They include: a broad prohibition on copying, scraping, or using our content, including member stories and photos, for any purpose, including AI training (Section 6); important disclaimers about our educational content, calculators, and AI-assisted features (Sections 3, 9, and 10); and limitations of our liability (Section 15).

1. Acceptance of these Terms

By clicking a button indicating acceptance, creating an account, booking a call, downloading a resource, joining our community, purchasing a program, or otherwise accessing or using the Services, you agree to these Terms and to our Privacy Policy. Our Earnings Disclaimer is incorporated into and forms part of these Terms. If you do not agree, do not use the Services.

You must be at least 18 years old and able to form a binding contract to use the Services. If you use the Services on behalf of a company, you represent that you have authority to bind that company, and "you" includes it.

2. Definitions

"Content" means everything made available through the Services, in any form and however created, including text, articles, guides, glossaries, market data and statistics, courses and curricula, videos, audio, webinars, images, photographs, illustrations (including AI-generated illustrations), graphics, logos, templates, checklists, calculators and other software tools (including their code, interfaces, inputs, outputs, and results), case studies, member stories, testimonials, deal-board entries, community posts, data compilations, prompts and AI outputs, designs, "look and feel," and metadata, whether or not it is protected by copyright, and whether created by us, our team, our members, or with the assistance of artificial intelligence.

"User Content" means content you submit to the Services, including community posts, comments, testimonials, results, photos, videos, and anything you send us.

"Member Materials" means Content relating to identifiable members, their names, photos, likenesses, stories, testimonials, results, and deal details.

3. What the Services are, and what they are not

Acquisition Ace is an educational business. We teach people how to evaluate, finance, buy, and operate small businesses, including how SBA loans work, through content, tools, courses, coaching, community, and events. That's it, and we're proud of it. But to be completely clear about what we are not:

We are not a bank, lender, loan broker, business broker, investment adviser, broker-dealer, law firm, accounting firm, tax adviser, or fiduciary, and nothing in the Services creates any advisory, fiduciary, attorney-client, or professional relationship with you.
Nothing in the Services is financial, investment, legal, tax, accounting, or lending advice, or a recommendation to buy any particular business or security. Educational content is general in nature and is not tailored to your circumstances.
We are not affiliated with, endorsed by, or acting for the U.S. Small Business Administration (SBA) or any lender. References to SBA programs describe publicly available government loan programs.
We do not guarantee that you will find a business, qualify for financing, close a deal, make money, or achieve any outcome. Buying a business involves substantial risk, including the risk of losing your investment and being personally liable on guaranteed loans. Read our Earnings Disclaimer it is part of these Terms.

Before acting on anything you learn from us, consult your own licensed attorney, CPA, and lender about your specific situation. You are solely responsible for your decisions.

4. Your license to use the Services

Subject to these Terms, we grant you a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services and Content for your own personal, non-commercial education and, for templates and tools, for internal use in your own business-acquisition activities.

Templates and downloads. Templates (such as LOIs, checklists, and diligence documents) are licensed for use in your own acquisition transactions. You may fill them in and share the completed documents with your own deal counterparties, lenders, and advisors. You may not resell, redistribute, republish, repackage, teach from, or make templates available to others (including in any course, community, or product of your own).

Paid programs. Access to paid programs, course materials, and the community is licensed to you personally. You may not share, resell, or transfer your access, credentials, or materials, or make them available to any third party.

All rights not expressly granted are reserved. This license terminates automatically if you breach these Terms.

5. Intellectual property

The Services and all Content (excluding your User Content) are owned by Acquisition Ace or our licensors and are protected by copyright, trademark, trade dress, database, and other intellectual-property laws. "Acquisition Ace," our logos, and our product names are our trademarks; you may not use them without our prior written consent, including in domain names, advertising, metatags, search keywords, or in any way that suggests affiliation or endorsement.

Some Content is created with the assistance of AI tools. Regardless of how any element of the Content was created, and whether or not it is independently protectable by copyright, all Content is made available subject to these Terms, and the restrictions in Section 6 apply to all of it by contract.

6. Prohibited uses, including scraping and AI training

This section is important. Access to the Services is offered conditioned on your acceptance of these restrictions, which protect our work and, just as importantly, our members, whose stories and photos appear on this site with their permission, for use by us alone.

Except with our prior written consent, you agree that you will not, directly or indirectly, and will not enable, induce, pay, or assist any third party to:

Copy or republish Content. Reproduce, distribute, republish, publicly display, sell, license, frame, mirror, or create derivative works from any Content, on or off the Services, except for the limited personal license in Section 4 and ordinary social sharing of links to our public pages;
Use Member Materials. Use, copy, download, publish, or exploit any Member Materials, member names, photographs, likenesses, stories, testimonials, results, or deal details, for any purpose, including in your own marketing, content, products, datasets, or AI systems. Member Materials are licensed to us by our members and to no one else;
Scrape or harvest. Access the Services using any robot, spider, crawler, scraper, headless browser, offline reader, or other automated means, or systematically retrieve, harvest, extract, or compile Content or data from the Services (including via manual bulk copying), whether or not for commercial purposes;
Train AI. Use any Content, in whole or in part, directly or through an intermediary or third-party dataset, to train, fine-tune, ground, prompt-engineer, evaluate, or otherwise develop or improve any machine-learning model, large language model, generative-AI system, or other artificial-intelligence technology, or create embeddings, vector representations, or derivative datasets from Content;
Circumvent protections. Bypass, disable, or circumvent robots.txt directives, machine-readable reservation signals, rate limits, CAPTCHAs, IP blocks, authentication, paywalls, or any other technical measure controlling access to the Services, any such circumvention is unauthorized access and a material breach of these Terms;
Misuse accounts and access. Share credentials, use another person's account, create accounts by automated means, or misrepresent your identity or affiliation;
Interfere or attack. Probe, scan, or test the vulnerability of the Services, introduce malware, overload or disrupt the Services, or reverse-engineer, decompile, or disassemble any part of them (except where such restriction is prohibited by law);
Break the law or harm others. Use the Services to violate any law or regulation, infringe any third party's rights, harass, defame, or abuse any member or team member, send spam, or post false, misleading, infringing, or unlawful content;
Compete unfairly. Use the Services or Content to build, market, or improve a competing product, course, dataset, or service.

Reservation of rights for text and data mining. We expressly reserve all rights in the Services and Content for the purposes of Article 4(3) of EU Directive 2019/790 (DSM Directive) and all analogous laws worldwide. Text and data mining, web scraping, and any use of Content for AI or machine-learning development are prohibited without a written license from us. This reservation is also expressed through machine-readable means, including our robots.txt file and TDM reservation signals; any access inconsistent with those signals or outside expressly authorized channels is unauthorized. Automated visitors and their operators are on notice of these Terms, which are linked from every page of the site.

Licensing. If you want to license Content, including for research, republication, or AI/ML purposes, contact hello@acquisitionace.io. We're reasonable people; unauthorized taking is the only option that isn't available.

Enforcement. Violations of this Section 6 cause harm that is difficult to quantify. In addition to all other remedies (including injunctive relief under Section 18 and statutory remedies such as those under 17 U.S.C. § 1201 for circumvention of technical measures), you agree that we may suspend or terminate your access immediately.

7. User Content and testimonials

Your ownership. You retain ownership of your User Content.

Your license to us. By submitting User Content (including community posts, testimonials, reviews, wins, results, photos, and videos, and anything you share with us in calls, emails, or the community), you grant Acquisition Ace a non-exclusive, worldwide, royalty-free, fully paid, perpetual, irrevocable, transferable, sublicensable license to use, host, store, reproduce, modify, adapt, edit, excerpt, translate, create derivative works from, publish, distribute, publicly display, and publicly perform that User Content, in any media now known or later developed, for operating, promoting, and improving the Services, including in our advertising and marketing, together with the right to use your name, username, likeness, voice, and biographical information in connection with it. You waive, to the extent permitted by law, any moral rights and any right to inspect, approve, or be compensated for such uses. For members featured in case studies, we may additionally ask you to sign a separate written release; where you have signed one, its terms control for the uses it covers.

If you'd rather not be featured, tell us at hello@acquisitionace.io we will not feature a member's story in new marketing over their objection, and we honor removal requests for featured stories going forward.

Your promises about User Content. You represent that: you own or control the rights to your User Content; it is truthful and reflects your genuine experience (this matters, testimonials on this site must be real); it doesn't infringe anyone's rights or violate any law; and anyone identifiable in photos or videos you submit has consented to their use.

Community standards. Be honest, be respectful, and don't pitch. We may (but have no obligation to) monitor, moderate, remove, or decline to publish any User Content, and we may suspend or remove members who violate these Terms or our community rules. Our community is hosted on Skool, whose own terms also apply to your use of that platform. You may not copy, screenshot for republication, scrape, or reuse other members' posts, stories, photos, or results, inside or outside the community, including for AI training.

Feedback. If you send us ideas or suggestions, we may use them without restriction or compensation.

8. Calls, recordings, and communications

Strategy calls, coaching calls, webinars, and events may be recorded and transcribed, including with AI note-taking tools, for quality, training, note-taking, and delivering the Services. We will tell you before or at the start of any recorded call; by remaining on a recorded call after notice, you consent to the recording. If you prefer not to be recorded, tell us and we will accommodate you. Recordings and transcripts are handled as described in our Privacy Policy, and are not used to train AI models.

By providing your phone number or email, you agree we may contact you about the Services as described in the Privacy Policy. Consent to marketing messages is never a condition of purchase, and you can opt out at any time (for texts, reply STOP).

9. Free tools, calculators, and data

Our free tools, including the DSCR and SBA loan calculators, valuation tools, templates, market data, statistics, and industry-multiple pages, exist to help you learn, and we work hard to make them useful. Use them with a clear understanding of what they are:

Estimates for education, not answers. Calculator outputs are hypothetical illustrations generated from the numbers you enter and simplified assumptions. They are not loan quotes, prequalifications, appraisals, valuations, projections of your results, or predictions of what any lender, seller, or market will do. Real deals involve rates, terms, fees, taxes, underwriting standards, and facts that no calculator can fully capture.
Data may be imperfect. Market data, statistics, and multiples are compiled from sources we consider useful, may include third-party and self-reported data, may contain errors, and can become outdated. We don't warrant their accuracy or completeness.
AI-assisted. Some tools and content are built or maintained with the assistance of AI. We review our tools, but AI-assisted software and content can contain errors. Treat every output as a starting point for your own analysis, and verify any number that matters with your lender, CPA, or attorney before relying on it.
No responsibility for decisions. You alone are responsible for any decision, offer, purchase, loan, or transaction you make. To the fullest extent permitted by law, we accept no liability for reliance on any tool output, template, data point, or piece of content.

10. AI-assisted content and features

We believe in being transparent about how we use AI:

Some illustrations and images on the Services are AI-generated. Unless an image is identified as depicting a real member or team member, it does not depict a real person, business, or transaction. Member photos in case studies and testimonials are real people, used with their permission.
Some content, tools, and features are created or operated with AI assistance. If you interact with an automated AI assistant on the Services, it will be identified as such. AI outputs are probabilistic and may occasionally be inaccurate, incomplete, or outdated; they are provided for information only, are not advice, and should be verified before you rely on them.
If you input information into an AI-powered feature on the Services, don't input other people's personal information or anything confidential. Our handling of your data, including our commitment not to use your personal information to train AI models, is described in the Privacy Policy.

11. Purchases and products

We do not sell programs, memberships, or subscriptions through this website, and there is no checkout, paid area, or account login here. Our paid programs are enrolled in and paid for separately, under a written agreement you sign at that time, which governs pricing, payment, refunds, and cancellation for those programs. If we ever offer a product for direct purchase on this site (for example, a book), its price and any terms will be shown at the point of sale; unless stated otherwise there or required by law, such purchases are final and non-refundable.

12. Copyright complaints (DMCA)

We respect intellectual-property rights and expect the same of our users. If you believe content on the Services infringes your copyright, send a notice under 17 U.S.C. § 512(c)(3) to our designated agent:

DMCA Agent: Acquisition Ace, hello@acquisitionace.io

Your notice must include: (1) your physical or electronic signature; (2) identification of the copyrighted work; (3) identification and location of the allegedly infringing material; (4) your contact information; (5) a statement of good-faith belief that the use is unauthorized; and (6) a statement, under penalty of perjury, that the notice is accurate and you are authorized to act for the owner. If your content was removed by mistake, you may send a counter-notice meeting the requirements of § 512(g)(3). We terminate the accounts of repeat infringers in appropriate circumstances.

13. Third-party services and links

The Services reference and link to third-party websites, platforms, tools, lenders, brokers, and resources (including Skool, Trustpilot, YouTube, and lender or listing sites). We don't control them, don't endorse them (a link is not an endorsement), and aren't responsible for their content, products, terms, or privacy practices. Your dealings with any third party, including any lender or seller, are solely between you and them.

14. Disclaimer of warranties

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND QUIET ENJOYMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ANY CONTENT, CALCULATOR OUTPUT, DATA, ESTIMATE, OR AI-ASSISTED FEATURE IS ACCURATE, COMPLETE, OR CURRENT; OR THAT ANY EDUCATIONAL OUTCOME, FINANCING, ACQUISITION, OR FINANCIAL RESULT WILL BE ACHIEVED. YOU USE THE SERVICES AT YOUR OWN RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) ACQUISITION ACE AND ITS OWNERS, OFFICERS, EMPLOYEES, COACHES, CONTRACTORS, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, INCLUDING ANY BUSINESS DECISION, OFFER, ACQUISITION, LOAN, OR TRANSACTION YOU MAKE OR ATTEMPT, EVEN IF ADVISED OF THE POSSIBILITY, AND REGARDLESS OF THE THEORY OF LIABILITY; (B) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (ii) ONE HUNDRED US DOLLARS (US$100); AND (C) FOR FREE SERVICES, INCLUDING FREE TOOLS, CALCULATORS, CONTENT, DATA, AND AI-ASSISTED FEATURES, OUR TOTAL AGGREGATE LIABILITY WILL NOT EXCEED ONE HUNDRED US DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW.

16. Indemnification

You agree to indemnify, defend, and hold harmless Acquisition Ace and its owners, officers, employees, coaches, contractors, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your User Content; (b) your breach of these Terms, including the restrictions in Section 6; (c) your violation of any law or the rights of any third party; or (d) your business and acquisition activities, including any offer, transaction, loan, or dispute with any seller, lender, broker, or other party. We may assume the exclusive defense of any matter subject to indemnification, in which case you agree to cooperate.

17. Disputes

This website is an informational resource: you do not buy anything or create an account to use it. Any dispute relating to your use of the Services is governed by the laws of Florida, as described in Section 18, and may be brought in the courts identified there.

Our paid programs and any products are enrolled in and provided under a separate written agreement that you sign at that time. That agreement contains its own dispute-resolution terms, which control for those programs and products. Nothing in these Terms waives any right you cannot waive under applicable law.

18. Governing law and venue

These Terms and any dispute arising out of them are governed by the laws of the State of Florida and applicable US federal law, without regard to conflict-of-laws rules. You and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Collier County, Florida except that we may seek injunctive relief for violations of Section 6 in any court of competent jurisdiction. Nothing in these Terms waives rights you cannot waive under the law of your state of residence.

19. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will provide advance notice, such as email to registered users and/or a prominent notice on the site, at least 30 days before the changes take effect, and we will update the "Last updated" date above. Changes apply prospectively only and do not apply to disputes that accrued before the effective date. Your continued use of the Services after the effective date constitutes acceptance; for material changes affecting paying members, we may also ask you to affirmatively accept the updated Terms. If you don't agree to updated Terms, stop using the Services (and, for paid programs, contact us about your options).

20. Termination and survival

You may stop using the Services at any time. We may suspend or terminate your access to all or part of the Services (including the community) if you violate these Terms, immediately and without refund where the violation is serious (including violations of Section 6, testimonial dishonesty, harassment, or piracy of paid materials), or if we discontinue the Services. Sections that by their nature should survive do survive, including Sections 2, 5, 6, 7 (licenses granted), 9, 10, 12, and 14 to 22.

21. Electronic communications

You consent to receive agreements, notices, disclosures, and other communications from us electronically, by email, text (where you've consented), or posting on the Services, and agree that electronic communications satisfy any legal requirement of a writing. You may withdraw consent to electronic delivery, or request paper copies, by contacting us; withdrawing consent may limit your ability to use the Services. To receive communications you need a device with internet access and a current email address on file.

22. General

Entire agreement. These Terms, the Privacy Policy, the Earnings Disclaimer, and any checkout or program terms presented to you are the entire agreement between you and us about the Services, superseding prior agreements on that subject.
Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary (or severed), and the rest remains in effect.
No waiver. Our failure to enforce a provision is not a waiver of it.
Assignment. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control, including outages of third-party platforms (such as hosting, community, or AI providers), internet failures, labor disputes, governmental action, or natural events.
No third-party beneficiaries, except that protected parties in Sections 15 and 16 may enforce those sections.
Headings are for convenience only.

23. Contact

Questions about these Terms: hello@acquisitionace.io · Acquisition Ace.