Terms of Service

Last updated November 9, 2026

1. Who we are

VerifiedSDE (“we”, “us”) is a small business in the United States. You can reach us at [email protected]. By buying a report or uploading documents you agree to these terms.

2. What you are buying

• A Verified SDE Report on one business you are evaluating. The report reconciles the seller’s profit-and-loss statements with their business tax returns, reviews the add-backs used to calculate seller’s discretionary earnings (SDE), estimates debt coverage under the financing assumptions you give us, and lists questions for the seller.
• The price is shown at checkout (currently $99 for founding customers). Payment is taken by Stripe when you order.
• We aim to deliver the report by email within 48 hours of receiving the documents we need. If we need more documents or can’t meet that time, we will tell you, and you can cancel for a full refund.

3. Your documents

• You confirm that you are allowed to share the documents you upload with an outside advisor for the purpose of evaluating the business. Many confidential information memorandums (CIMs) are covered by a non-disclosure agreement; please check yours before uploading.
• Do not upload personal identification numbers (such as Social Security numbers) or bank account numbers that aren’t needed for the analysis. Redact them if you can.
• We use your documents only to prepare your report, as described in our Privacy Policy.

4. What the report is, and isn’t

• The report is based only on the documents you provide and the assumptions you give us. We do not audit or verify the seller’s records, and errors or omissions in those documents will affect the report.
• Financing figures use common screening assumptions. Your lender, including any SBA lender, makes its own decisions.
• The report is not accounting, tax, legal, lending or investment advice, and it is not a quality-of-earnings report. Before you buy a business, consult your own CPA, attorney and lender.
• You decide whether and how to pursue a deal. We are not responsible for that decision.

5. Refunds

See our Refund Policy. In short: if the report isn’t useful to you, ask within 14 days of delivery and we will refund you in full.

6. Use of the report

The report is for you and your advisors, lenders and partners in evaluating the business. Please don’t resell or publish it. We keep the right to reuse our general methods and templates, but never your documents or figures.

7. Limitation of liability

To the fullest extent the law allows, our total liability for any claim related to a report is limited to the amount you paid for that report, and we are not liable for indirect or consequential losses, including lost profits or the outcome of a business purchase.

8. Changes and governing law

We may update these terms; the version in effect when you ordered applies to that order. These terms are governed by the laws of the State of Colorado, USA.

9. Contact

Questions about these terms: [email protected].