Terms & Conditions

Last updated: June 2025

Last updated: June 2025

Effective Date: June 2025

Welcome to Concluded.com, operated by Value Buddy, Inc. (“Concluded,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, services, and tools (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Services.

1. Who We Serve

Concluded provides valuation reports, risk insights, and related tools to SBA lenders, financial institutions, and qualified business users. Our Services are not directed to individual consumers.

2. Use of Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You must not:

  • Misrepresent your identity or organization

  • Share login credentials with unauthorized users

  • Reverse engineer, copy, or resell any part of our platform or content

  • Submit false or misleading information

We reserve the right to suspend or terminate access at any time if these terms are violated.

3. Intellectual Property

All content on Concluded.com, including reports, software, branding, logos, and documentation, is the property of Value Buddy, Inc. or its licensors. You may not reproduce, modify, distribute, or create derivative works without our express written consent.

4. Valuation Reports and Outputs

All reports and tools provided by Concluded are for informational and decision-support purposes only. They are not legal, tax, or investment advice. You remain responsible for your lending decisions.

While we strive for accuracy and compliance, Concluded makes no guarantees that any valuation or report will meet SBA acceptance or guarantee approval.

5. Use of AI Features

Some Services may involve AI-generated outputs (e.g., customer sentiment analysis). These tools use publicly available data and structured inputs to support user workflows. You acknowledge that AI responses are provided as a convenience and should be reviewed before relying on them in decision-making.

6. Third-Party Services

We may link to or integrate third-party services. We are not responsible for their content, terms, or practices. Your use of those services is at your own risk and subject to their respective policies.

7. Limitation of Liability

To the fullest extent permitted by law, Concluded shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the Services, including lost profits, lost data, or business interruption.

8. Indemnification

You agree to indemnify and hold harmless Concluded and its affiliates, officers, and employees from any claims, damages, or expenses arising out of your use of the Services or violation of these Terms.

9. Modifications to Services and Terms

We may update or modify these Terms at any time. Continued use of the Services after changes are posted constitutes your acceptance of the new terms. We may also modify or discontinue Services at our discretion.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in Delaware.

11. Contact Us

For questions about these Terms, please contact:

Concluded
A Value Buddy, Inc. brand
info@concluded.com
https://concluded.com