Terms & Conditions

1.The Service

Note Deal Analyzer is a web-based note analysis tool. It accepts deal information you enter or import, runs analytical calculations, and presents reports and related outputs for your review.

The Service does not provide investment advice, financial advice, or legal advice. It does not act as a broker, dealer, lender, servicer, marketplace, or adviser, and it does not offer or sell notes or other investments. Outputs are calculations based on the information supplied to the Service. You are solely responsible for your investment and business decisions.

You must independently verify inputs and outputs. Results can be wrong or incomplete if the data is wrong, incomplete, or not interpreted as you expected. The Service does not verify title, ownership, lien position, collateral value, borrower performance, or the enforceability of any document.

2.Accounts

You must provide a working email address and your first and last name, and you must complete email verification. You are responsible for activity under your account and for keeping access to that email account secure. Sign-in codes sent to your email can be used to access the account.

You may use the Service only for lawful note-analysis work that you have the right to perform. You may not misuse the Service, interfere with its operation, attempt to bypass credit or starter controls, or use outputs as if they were professional advice or a verified valuation.

We may suspend or block an account for fraud, abuse, credit-system circumvention, starter-eligibility circumvention, or other harmful activity. A block is not created automatically by an ordinary account deletion. If an account is already blocked, that block remains after the user deletes the account, and the blocked email address cannot be registered again.

3.Credits

A credit is consumed when you initiate a successful Calculate operation for a PN Senior (PN1) or PN Junior (PN2) analysis. Importing, browsing Deal Center, saving a deal, exporting a PDF, exporting a schedule CSV, and reviewing existing results do not consume a credit.

Standard purchased credits do not expire. Promotional or special-offer credits may have different validity terms, clearly disclosed at the time of purchase.

Current credit packs and prices are shown on the pricing page and in the application. Packs are one-time purchases, not a subscription.

4.Starter analysis

One eligible starter analysis may be provided after a successful Stripe card verification. Starter eligibility is subject to fraud and abuse checks. A card that is not eligible, including a card presented through a wallet where the Service rejects wallet funding, does not receive the starter analysis.

Creating another account does not create a new starter eligibility. Deleting an account and registering again, including with the same email address, does not reset starter card eligibility.

5.Payments and refunds

Payments for the web Service are processed by Stripe. Stripe’s terms also apply to the payment transaction.

Unused purchased credits may be eligible for a refund if you request it within 14 days after purchase. Credits that have been used are not refundable. A duplicate charge or a billing error we can verify may be refunded.

We may deny a refund where the request is tied to fraud, abuse, or an attempt to circumvent starter or credit rules, except where applicable law requires a refund or another remedy. Nothing in these Terms waives a consumer-protection right that cannot legally be waived.

6.Account deletion

You may delete your own account in the application by confirming the deletion. Deletion closes the account, ends its sessions, and removes active work data, including deals, calculation results, uploaded documents in active storage, and imported data.

Deletion does not erase every related record. We may keep billing records, credit history, starter and fraud-prevention records, the Stripe customer identifier we store for that account, and audit records, as described in the Privacy Policy. Existing backups are not deleted or rewritten. A normal deletion is not a blacklist. The same email may register a new account unless that email is blocked. The new account is a separate account.

7.Your content

You keep your rights in the deal data and files you submit. You grant us the limited right to host, process, back up, and display that material solely to provide the Service to your account and to meet the retention practices in the Privacy Policy.

You represent that you have the rights needed to submit that material. You are responsible for its accuracy and legality. We are not responsible for decisions you make from it.

8.Our intellectual property

The Service, including its software, design, workflows, and branding, belongs to the Company or its licensors. These Terms give you a limited, non-exclusive, non-transferable, revocable right to access the Service for your own analysis work while you comply with these Terms. They do not transfer ownership.

9.Disclaimers

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted or error-free operation.

We do not guarantee that the Service will be available without interruption, that calculations will be free of errors, or that you will obtain any particular financial, legal, or business result. The Service may change, and a feature may be limited or withdrawn.

10.Limitation of liability

To the fullest extent permitted by law, the Company and its members, managers, employees, and contractors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, deal losses, or investment losses, arising out of the Service or these Terms.

To the fullest extent permitted by law, our total liability for a claim relating to the Service or these Terms is limited to the amount you paid us for the Service during the three months before the event giving rise to the claim. If applicable law does not allow that limit, liability is limited only as far as that law allows.

Some jurisdictions do not allow certain limitations. In those jurisdictions, liability is limited to the maximum extent the law allows. These Terms do not limit liability that cannot legally be limited.

11.Indemnity

You will indemnify and hold harmless the Company and its members, managers, employees, and contractors from claims, damages, losses, and reasonable attorneys’ fees arising out of your content, your use of the Service, your decisions, or your violation of these Terms or of someone else’s rights, except to the extent caused by our own willful misconduct or to the extent the law does not allow this indemnity.

12.Third-party services

Stripe processes payments and card verification. The public website uses Google Tag Manager. Email delivery sends your sign-in codes. Those providers’ terms apply to their own services. We are not responsible for their outages or policies.

13.Changes

We may update these Terms by posting a new version on this page with a new effective date. The version in effect on the date you use the Service applies to that use, except where a law requires advance notice or a different acceptance. If you do not agree to the updated Terms, stop using the Service and, if you choose, delete your account.

14.Governing law

Unless otherwise required by applicable law, these Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles.

Nothing in these Terms limits a consumer-protection right that cannot be waived under applicable law.

15.Contact

SunShineson Finance LLC
Delaware, USA
Email: support@notedealanalyzer.com