Terms of Service

Last Updated: 5/13/2026

Welcome to SmallBusinessOwners.co. These Terms of Service ("Terms") govern your access to and use of our website, software, calculators, AI generators, and related services. Please read these Terms carefully before using our platform.

1. Agreement to Terms

By accessing or using SmallBusinessOwners.co, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of the terms, you do not have permission to access the Service.

2. Description of Service

SmallBusinessOwners.co provides an online directory of business tools, including AI-powered content generators and client-side financial calculators.

• Free Tier: We provide limited access to our toolset for free, subject to fair usage limits to prevent abuse.
• Pro Tier: We offer a premium "Pro" tier that grants unrestricted access to all current tools and future updates for a single, one-time payment.

3. Accounts and Security

To access certain features (including the Pro tier), you must create an account. You are responsible for safeguarding your login credentials and for any activities or actions under your account. You agree to notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

4. Payments and Refund Policy

If you choose to purchase Pro Access, you agree to pay the stated one-time fee. All payments are processed securely via Stripe.

5. Acceptable Use Policy

You agree not to use the Service to:

• Generate illegal, harmful, threatening, abusive, or defamatory content.
• Attempt to reverse engineer, decompile, or extract the source code of our software or proprietary AI prompts.
• Use automated scripts, bots, or scrapers to access the service, which may overload our servers or API quotas.
• Resell or redistribute access to your account to third parties.

We reserve the right to immediately suspend or terminate accounts that violate this Acceptable Use Policy without a refund.

6. Intellectual Property Rights

Platform Ownership: The design, codebase, calculators, algorithms, and proprietary prompts belonging to SmallBusinessOwners.co are the exclusive property of our company and are protected by copyright and intellectual property laws.

Your Content: You retain all ownership rights to the output and content you generate using our tools (e.g., your generated business plan, emails, or job descriptions). You are free to use this generated content commercially.

7. Disclaimer of Warranties & Liability

No Professional Advice: The tools, calculators, and AI generators on this site are for informational and educational purposes only. They do NOT constitute professional financial, legal, or tax advice. You should consult with a certified accountant or lawyer before making business decisions.

"As Is" Basis: The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties, expressed or implied, regarding the accuracy, reliability, or availability of the service or the AI-generated outputs.

Limitation of Liability: In no event shall SmallBusinessOwners.co, its directors, employees, or partners, be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of your use of the service.

8. Indemnification

You agree to defend, indemnify, and hold harmless SmallBusinessOwners.co and its team from any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service, your violation of these Terms, or your violation of any third-party right.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of significant changes by updating the date at the top of this page. Your continued use of the Service following the posting of any changes constitutes acceptance of those changes.

10. Contact Us

If you have any legal questions about these Terms, please contact us: