Terms of Service

These Terms of Service ("Terms") are a binding agreement between you ("you" or "User") and Blue Collar Tycoon ("Company," "we," "us," or "our"), governing your access to and use of the Blue Collar Tycoon marketplace (deals.bluecollartycoon.com), Deal Studio (tool.bluecollartycoon.com), and any related services (collectively, the "Services").

By creating an account, checking the acceptance box presented at signup, or otherwise accessing or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not create an account or use the Services.

You must be at least 18 years old and capable of forming a binding contract to use the Services. If you use the Services on behalf of a business or other entity, you represent that you have the authority to bind that entity to these Terms.

The Services provide software tools for estimating the value of a trades business, modeling an acquisition, and (on the marketplace) connecting business owners with prospective buyers. This includes automated calculations, industry benchmark comparisons, and content generated in whole or in part by artificial intelligence ("AI-Generated Content"), such as chat responses, extracted financial data, and suggested field mappings.

The Services are informational tools only. They are not, and nothing in the Services constitutes:

• Financial, investment, tax, accounting, or legal advice;
• A recommendation to buy, sell, finance, or decline any particular business or transaction;
• A business valuation, appraisal, fairness opinion, or diligence report prepared by a licensed appraiser, accountant, attorney, or business broker;
• A guarantee, warranty, or representation that any listing, business, buyer, seller, financial statement, or user-submitted document is accurate, complete, or as described; or
• Brokerage, agency, or intermediary services in connection with any transaction — the Company is not a party to, and assumes no responsibility for, any transaction between Users.

Buying or selling a business is one of the most significant financial decisions a person can make. You agree that:

• Any valuation, multiple, score, projection, cash-flow analysis, DSCR, IRR, or other calculation shown in the Services ("Calculated Outputs") is an estimate generated from the inputs provided (by you or a counterparty) and general industry benchmarks. Calculated Outputs are not predictions of actual value, actual performance, or actual financing terms you or anyone else will obtain, and actual results can differ materially.
• You are solely responsible for independently verifying any information in the Services — including financial statements, tax returns, business records, and any figures extracted or summarized by AI — before relying on it in any way.
• Before entering into any transaction, financing arrangement, or business decision informed by the Services, you will conduct your own independent due diligence and consult qualified, licensed professionals of your own choosing (including an attorney, a certified public accountant, and, where appropriate, a licensed business appraiser or broker).
• You will not rely on the Services as your sole or primary basis for any decision to buy, sell, invest in, lend against, or forgo investigating any business.

Portions of the Services use artificial intelligence and large language models to extract data from documents you upload, answer questions, suggest field mappings, and generate analysis. AI systems can produce output that is incomplete, outdated, or factually incorrect, including so-called "hallucinations" — plausible-sounding statements that are not true.

You acknowledge and agree that:

• AI-Generated Content is provided "as is," without any warranty of accuracy or completeness;
• You are responsible for reviewing and independently verifying any AI-Generated Content, including any extracted financial figures, before applying it to your model or relying on it in any way;
• The Company does not review, fact-check, or guarantee any specific AI response before it is shown to you; and
• You will not use AI-Generated Content as a substitute for professional advice or for verification of a counterparty's identity, creditworthiness, or financial condition.

Additional terms apply if you use the marketplace to list, browse, or pursue a business for sale:

• We do not vet transactions. We may apply screening criteria (such as a self-reported proof-of-funds review, which may itself be AI-assisted) to Users before granting certain access, but this is not a guarantee that any buyer, seller, or listing is legitimate, creditworthy, or accurately described. You remain responsible for your own diligence on any counterparty.
• Confidentiality is your responsibility. The Services provide tools such as non-disclosure agreements and access controls to help manage confidential information, but you are responsible for what you choose to disclose and to whom, and for complying with any NDA or agreement you enter into with another User.
• We are not a party to your deal. Any agreement to buy, sell, or finance a business is solely between the Users involved. The Company is not a broker, agent, escrow agent, or fiduciary for either party, does not receive or hold transaction funds (other than the fees described in Section 6), and has no obligation to mediate or resolve disputes between Users.
• NDAs are between buyer and seller — with platform confidentiality from us.Any non-disclosure agreement generated or signed through the Services is entered into solely between the buyer and the seller; the Company is not a party to it. In place of signing each deal NDA, the Company agrees with every User — buyer and seller alike — that it will treat non-public listing information, deal documents, and data-room contents Users submit through the Services as confidential: we use them only to operate and provide the Services, restrict access to personnel and service providers who need them for that purpose, and do not disclose them to other Users except as directed by the disclosing User through the Services (for example, opening a data room after an executed NDA) or as required by law. This paragraph, together with the Privacy Policy and Section 8 (Data Security), constitutes the Company's confidentiality undertaking to all parties.
• Listings are seller-reported. Financial figures, scores, and descriptions attached to a listing are supplied by the seller (or estimated by our tools from seller-supplied data) and are not independently audited by the Company.

Certain features (listing tiers, Deal Studio access, and similar upgrades) require payment of the fees displayed at the time of purchase. Fees are processed by a third-party payment processor (currently Stripe); you agree to that processor's terms as a condition of making a payment. Except as required by law or as we separately agree in writing, fees are non-refundable. We may change our fees prospectively with notice; changes do not apply to a period you have already paid for.

You retain ownership of the financial documents, listing information, and other content you upload or submit ("User Content"). You grant the Company a limited license to host, process, and display your User Content solely to operate and provide the Services to you (and, for marketplace listings you choose to publish, to authorized counterparties per your NDA and access settings).

You represent that you have the right to submit your User Content and that doing so does not violate any law or any other person's rights (including confidentiality obligations you owe to a third party).

We use reasonable administrative, technical, and physical safeguards designed to protect User Content and account information, including access controls, encryption in transit, and role-based restrictions on confidential listing data. Details are in our Privacy Policy.

No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

To the fullest extent permitted by law, the Company is not liable for any unauthorized access to, or disclosure, alteration, or destruction of, your data, except to the extent directly caused by our gross negligence or willful misconduct. If we experience a security incident affecting your data, we will notify you as required by applicable law.

You agree not to:

• Submit false, misleading, or fraudulent information in a listing, profile, or verification step;
• Use the Services to harass, defraud, or circumvent the confidentiality protections of another User;
• Attempt to access another User's account, data, or confidential listing information without authorization;
• Scrape, reverse-engineer, or use automated means to extract data from the Services beyond normal use;
• Upload malicious code or attempt to disrupt or overload the Services; or
• Use the Services in violation of any applicable law, including securities, business-brokerage, or consumer-protection law.

We may suspend or terminate accounts that violate this section.

The Services, including all software, design, text, and the Blue Collar Tycoon name and marks, are owned by the Company or its licensors and protected by intellectual property law. Except for the limited right to use the Services as permitted by these Terms, no rights are granted to you.

The Services integrate third-party providers, including Stripe (payments), SignWell (electronic signatures), Supabase (data hosting/authentication), and AI providers (for AI-Generated Content). Your use of those integrations may be subject to the third party's own terms and privacy practices. We are not responsible for the acts, omissions, availability, or security practices of third-party providers.

The services and all content, including calculated outputs and AI-generated content, are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and accuracy. The company does not warrant that the services will be uninterrupted, error-free, or secure, or that any calculated output or ai-generated content will be accurate or complete.

To the fullest extent permitted by law, the company and its officers, employees, and agents will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to your use of the services or any transaction entered into with another user — including any decision to buy, sell, or finance a business made in reliance on a calculated output or ai-generated content — even if the company has been advised of the possibility of such damages.

To the fullest extent permitted by law, the company's total aggregate liability arising out of or relating to these terms or the services will not exceed the greater of (a) the amount you paid the company in the twelve (12) months before the event giving rise to the claim, or (b) one hundred dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

You agree to indemnify and hold harmless the Company from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of: (a) your use of the Services; (b) your User Content; (c) any transaction you enter into with another User; or (d) your violation of these Terms or applicable law.

You may stop using the Services and close your account at any time. We may suspend or terminate your access to the Services, with or without notice, for violation of these Terms, suspected fraud, or non-payment of fees. Sections of these Terms that by their nature should survive termination (including Sections 3, 4, 8, 12, 13, and 14) will survive.

We may update these Terms from time to time. If we make a material change, we will notify you (such as by email or in-app notice) and require you to accept the updated Terms before continuing to use the Services. Continued use after a non-material update constitutes acceptance of the update.

These Terms are governed by the laws of New Jersey, without regard to conflict-of-laws principles. [Placeholder — counsel to confirm: binding arbitration clause, class-action waiver, and venue/forum-selection language should be finalized here based on where the Company is formed and where it intends to enforce these Terms.]

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the Services. If any provision is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

Questions about these Terms can be sent to legal@bluecollartycoon.com.