Terms of Service

1. Agreement to Terms

By accessing and using Carriage Models services, including our Microsoft Excel add-in ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access the Service.

These Terms apply to all visitors, users, and others who access or use the Service. Carriage Models reserves the right to update and change these Terms from time to time without notice or acceptance by you.

2. Description of Service

Carriage Models provides financial modeling, valuation analysis, and strategic advisory tools through various platforms, including but not limited to web applications and Microsoft Excel add-ins. Our Service includes:

• Financial modeling templates and tools

• Valuation analysis calculators

• Data analysis and visualization features

• Educational resources and documentation

3. User Accounts and Registration

To access certain features of the Service, you may be required to register for an account. When you register for an account, you agree to:

• Provide accurate, current, and complete information

• Maintain and promptly update your account information

• Maintain the security of your password and accept all risks of unauthorized access

• Notify us immediately if you discover any unauthorized use

You are responsible for all activity that occurs under your account, whether or not you are aware of such activity.

4. Acceptable Use Policy

You agree not to use the Service to:

• Violate any laws or regulations

• Infringe upon intellectual property rights

• Transmit viruses, malware, or other malicious code

• Attempt to gain unauthorized access to any systems

• Interfere with or disrupt the Service or servers

• Collect or harvest user data without permission

• Use the Service for any illegal or unauthorized purpose

5. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Carriage Models and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

Any content you submit, post, or upload to the Service remains yours. However, by submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your content in connection with the Service.

6. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the collection and use of information as detailed in our Privacy Policy.

When using our Microsoft Excel add-in, we may collect:

• Usage data and analytics

• Error logs and diagnostic information

• User preferences and settings

We do not access or store the content of your Excel files unless explicitly required for the functionality you've requested and with your consent.

7. Disclaimers and Limitations of Liability

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

The financial models, calculations, and analyses provided through our Service are for informational purposes only and should not be construed as financial, investment, tax, legal, or accounting advice. Always consult with qualified professionals before making any financial decisions.

IN NO EVENT SHALL CARRIAGE MODELS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

8. Indemnification

You agree to defend, indemnify, and hold harmless Carriage Models and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Service.

9. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

Upon termination, your right to use the Service will cease immediately. All provisions of the Terms which by their nature should survive termination shall survive termination.

10. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, with the arbitration taking place in Delaware.

11. Microsoft-Specific Terms

When using our Service through Microsoft Excel or other Microsoft products:

• You acknowledge that your use is also subject to Microsoft's Terms of Service

• We are not responsible for any issues arising from Microsoft's platforms or services

• Microsoft is not responsible for our Service or these Terms

12. Contact Information

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