Terms and Conditions

These terms are between you and Delta Kinetics LLC, a Texas limited liability company, which operates Official Business Doctor at officialbusinessdoctor.com and the learning platform at learn.officialbusinessdoctor.com. “We”, “us” and “our” mean that entity.

By using the site, creating an account, or buying anything, you agree to these terms. If you do not agree, do not use the site.

You must be at least 18 and able to enter a contract. We sell into the United States and Canada. We do not target, and do not offer to sell to, people in the European Union or the United Kingdom, and the site is not directed at them.

Nothing we publish, teach, calculate or say is financial, investment, legal, tax or accounting advice. We are not your broker, lender, attorney, accountant or fiduciary, and using this site does not create any of those relationships.

Everything here is education and general information. Buying a business is risky, and borrowing to buy one is riskier. Outcomes depend on the business, the market, the terms, the economy and you, and none of those are within our control or our knowledge.

Results vary. Nothing here is financial, legal, or tax advice. We do not promise any result, financial or otherwise, from anything we teach or provide. Where a case study, a student outcome or a figure appears, it describes what happened in that instance and is not a representation of what will happen in yours. Before you act on anything you learn here, take it to a qualified professional who knows your situation: a CPA, an attorney, a licensed lender or a broker as appropriate.

The tools produce estimates from figures you enter. They do not verify your inputs, they do not know your business, and their output is only as good as what you typed and the assumptions stated alongside it.

Where a calculation depends on a tax rate, a wage base, a programme threshold or an industry benchmark, the result names the source it used and the date that source took effect, and says so on the page when a figure has not yet been checked against its primary source. Rules change, sometimes mid-year and sometimes retroactively. Confirm anything you are about to rely on with the primary source or with your own advisor.

Some tools produce a document you may choose to give to a lender, a seller or an advisor. If you do, it is your document and your representation, not ours. We do not audit the figures in it and we are not a party to what you do with it.

Coverage is deliberately limited rather than guessed. Where a calculator does not support your state or a period we do not hold rules for, it declines to answer instead of approximating.

You sign in with a link sent to your email address, so keeping that mailbox secure is how you keep your account secure. One account is for one person. Do not share sign-in links or credentials.

You are responsible for what happens under your account. Tell us at support@officialbusinessdoctor.com if you think somebody else has access to it.

We can suspend or close an account that is sharing paid access, scraping the site, attempting to break its security, abusing staff or other members, or charging back a payment for material it has consumed.

A purchase buys you a personal, non-transferable licence to access and use the material for your own business purposes. Individual courses and program packages are permanent once opened. The all-included product is sold as access for 12 months and says so at checkout. Memberships run for the period you pay for.

You may:

• Use what you learn in your own business, including with your own advisors.
• Keep notes, worksheets and exports you generate for your own use.

You may not:

• Share, resell, sublicense or republish the material, in whole or in part.
• Give another person access to your account or to paid material.
• Use the material, the calculators or their outputs to build or operate a competing course, tool or advisory product.
• Scrape, bulk-download or use automated means to extract content, data or calculation results from the site.

The courses, written material, video, audio, worksheets, the calculators and the methodologies behind them, the datasets and benchmark tables we have compiled, the site design and the Official Business Doctor name and marks are ours or licensed to us. Buying access does not transfer ownership of any of it.

Underlying facts and law are nobody’s property and we claim none: tax rates are statute, and a coverage ratio is arithmetic. What is ours is this expression of them, our selection and arrangement of the data, and our software.

Anything you enter into the tools, save as a deal, ask as a question, or post in a community space stays yours. You give us a limited licence to store, process and display it back to you so the service can work.

Do not upload anything you are not entitled to share, including material covered by a non-disclosure agreement with a seller or a broker. That is between you and them and we have no way to know about it.

If you send us feedback or a suggestion, we may use it without owing you anything for it.

Prices are in US dollars and are shown before you pay. Eligible new purchases are processed by Whop. Everything and retained historical purchases are processed by Stripe. We never receive or store your card number. Where tax applies it is calculated and shown at checkout.

Subscriptions renew automatically at the interval you chose until you cancel. You can cancel at any time and access runs to the end of the period you have paid for.

Refunds, cancellations, payment plans and late fees are governed by our Cancellation and Refund Policy, which forms part of these terms.

Courses are delivered on a learning platform, calls are booked through a scheduling service, and payments run through a payment processor. Those services have their own terms and their own outages. We choose them carefully and remain responsible for what we promised you, but we do not control them.

Links to outside sites, lenders, brokers, software or advisors are for information. We do not endorse them, we are not responsible for them, and unless a page says plainly that a relationship is paid, we have no financial interest in your using them.

We aim to keep the site and the platform available, and we do not promise uninterrupted service. We may change, suspend or retire features. If we retire something you have paid for during a period you have paid for, we will either replace it with something equivalent or refund the unused part.

To the fullest extent the law allows, the site, the material and the tools are provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy or that the material is current.

Some states do not allow the exclusion of certain warranties. Where that is so, the exclusion above applies only as far as that state allows.

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential, punitive or exemplary damages, or for lost profits, lost business, lost data, lost opportunity, or losses on any transaction you enter into, whether or not we were told such losses were possible.

Our total liability to you for any claim connected to these terms or the service is limited to the amount you actually paid us in the twelve months before the claim arose.

This limit does not apply to liability that cannot be limited by law, including fraud or fraudulent misrepresentation.

You are responsible for your own business decisions. If you buy a business, decline one, borrow money, hire somebody or price a deal after using this site, that decision and its consequences are yours.

You agree to indemnify and hold us harmless from claims, losses and reasonable legal costs arising from your use of the site in breach of these terms, your misuse of the material, or a document you produced with our tools and gave to somebody else.

Read this clause. It affects how any dispute between us is resolved.

First, contact us at support@officialbusinessdoctor.com and give us 30 days to resolve it. Most things end here.

If that does not resolve it, any dispute arising out of or relating to these terms or the service will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before one arbitrator. The arbitration will be held in Harris County, Texas, or by telephone or video, or by written submission, at your election. Judgment on the award may be entered in any court with jurisdiction.

Disputes are resolved individually. You and we each waive any right to bring or take part in a class, collective, consolidated or representative action.

Small claims. Either of us may instead bring an individual claim in small claims court if it qualifies. Nothing in this clause prevents that.

Opting out. You can opt out of arbitration by emailing support@officialbusinessdoctor.com with your name and the subject line “Arbitration opt-out” within 30 days of first accepting these terms. Opting out costs you nothing else in this agreement, and disputes then go to the courts described below.

If the class waiver is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this clause still applies to everything else.

Either of us may also seek injunctive relief in court to protect intellectual property or stop unauthorised access.

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. For anything not subject to arbitration, you and we agree to the exclusive jurisdiction of the state and federal courts sitting in Harris County, Texas.

We can change these terms. The effective date at the top says when the current version took effect, and material changes will be notified by email or on the site before they apply. Continuing to use the site after a change means you accept it. What you have already bought keeps the terms it was bought under.

If any part of these terms is unenforceable, the rest stands. Not enforcing something immediately does not waive it. You may not assign this agreement; we may assign it as part of a sale or reorganisation of the business.

These terms, together with the Cancellation and Refund Policy and the Privacy Policy, are the entire agreement between us about the service.

Questions: support@officialbusinessdoctor.com.