Terms of Service

Overview

Ruloh is a business valuation and exit readiness platform for small business owners. These terms govern your use of the Ruloh web application at app.ruloh.com. By creating an account or using the service, you agree to these terms.

Ruloh is currently in early access beta. Features, scoring methodologies, and data storage are subject to change. Your assessment data may be modified or deleted as we improve the platform. We will make reasonable efforts to notify you of material changes.

Not Professional Financial Advice

Ruloh provides educational valuation estimates and exit readiness assessments. These are screening tools based on general market data and the information you provide. They are not professional appraisals, financial advice, or investment recommendations.

Do not make financial decisions based solely on Ruloh's output. Consult qualified professionals — a business appraiser, accountant, attorney, or M&A advisor — before making decisions about selling, buying, or financing a business.

No Warranty on Accuracy

Assessment results depend entirely on the information you enter and on general industry benchmarks. Ruloh does not guarantee the accuracy, completeness, or applicability of any valuation estimate, score, or recommendation. Actual business values depend on many factors that a questionnaire-based tool cannot capture.

Limitation of Liability

To the maximum extent permitted by law, Ruloh and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service, including but not limited to lost profits, business decisions made using Ruloh's output, or data loss during the beta period. Our total liability shall not exceed the amount you paid for the service (currently $0).

User Accounts

You sign in using Google OAuth. You are responsible for maintaining access to the Google account associated with your Ruloh account. We may terminate or suspend accounts that violate these terms or at our discretion during the beta period.

Acceptable Use

You may use Ruloh to evaluate businesses you own or are considering acquiring. You may not: reverse-engineer scoring algorithms, use the service for fraudulent purposes, or share account access with unauthorized parties. Shareable report links are intended for sharing your own assessment results with your advisors or counterparties.

Intellectual Property

Ruloh owns all rights to the platform, scoring methodologies, algorithms, models, and software. You retain ownership of the raw business data you enter. However, all assessment results, scores, valuation estimates, recommendations, and analytics generated by Ruloh from your inputs are the property of Ruloh.

Data License and Aggregation

By using Ruloh, you grant Ruloh a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, reproduce, modify, aggregate, anonymize, and create derivative works from your data for any lawful purpose, including but not limited to: product improvement, industry benchmarking, research and analysis, model training, aggregate reporting, and commercial data products.

Ruloh may aggregate and anonymize data from all users to produce industry benchmarks, market insights, scoring models, and other analytical products. Once anonymized, such data is no longer considered personal data and may be used, published, licensed, or sold without restriction. This license survives any termination of your account.

Dispute Resolution

These terms are governed by the laws of the State of Delaware, without regard to its conflict of laws provisions. Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in the State of Delaware. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Changes to These Terms

We may update these terms as the product evolves. Material changes will be communicated via the email associated with your account. By continuing to use Ruloh after changes take effect, you accept the updated terms.

Contact

Questions about these terms? Email hello@ruloh.com.