09 / Terms of Use DOC TSC-2026/09 · TERMS · REV. 01

What this site is,
and what it isn't.

Plain version: the calculators and trackers here are free, and they are estimates built from public data and my own operating experience. They are not advice about your specific business, and nothing on this site creates a client relationship. Everything below is the detail.

01 The tools and the trackers
What are the calculators, exactly?
They are estimates. Each one runs a documented formula over numbers you type in, and judges the result against benchmark bands drawn from public data, industry reporting, and my own operating and advisory work. Every tool shows its formula and a worked example so you can check the arithmetic yourself. None of them sees your books, your bank, or your Shopify admin, so none of them can know your actual situation.
Can I rely on a result to make a decision?
Use them to orient, not to decide. A max allowable CAC, an app valuation, a landed-cost margin or an exit-readiness score is a starting point for a conversation, not a professional valuation, an audit, a fairness opinion, or a substitute for your accountant, lawyer, or banker. If a number here would change a material decision, check it with someone who has seen your actual financials.
What about The Index and the benchmark library?
The Index trackers are compiled from company filings, official press releases, wires, and trade press, and every entry is dated and sourced. I correct them when I find an error, and the last-updated stamp tells you how fresh the page is. Deal terms are frequently reported rather than disclosed, and multiples are approximations, because enterprise value and revenue timing are rarely published cleanly. Treat the trackers as a map of the market, not a quote on your business.
Can I cite or reuse this?
Yes, and I would rather you cite it than copy it. Quote figures, reference the trackers, and use the frameworks in your own work. Please link the specific page you took a number from, so your reader can see the source and the date behind it. Do not republish whole pages or present the material as your own.
02 Advice, and what isn't advice
Does anything here create a client relationship?
No. Reading the site, running a tool, downloading a report, or subscribing to the newsletter does not make you a client and does not put me under any duty to you. An advisory relationship begins only when we have both signed something that says so. Until then, treat everything here as published commentary.
Is any of this financial, legal, tax, or investment advice?
No. I am not a licensed financial advisor, accountant, lawyer, broker, or investment adviser, and nothing on this site is financial, legal, tax, accounting, or investment advice. Content about valuations, multiples, fundraising, and exits is general commentary about how these markets tend to work. It is not a recommendation to buy, sell, or hold anything, and it is not a solicitation.
What if the site is wrong?
Tell me: hello@taylorsicard.com. I correct errors, and I would rather hear about one than leave it up. But the site is provided as-is, without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability. Benchmarks move, platforms change their pricing and their rules, and a page that was right in August may be wrong by November.
What are the limits of your liability?
To the fullest extent the law allows: I am not liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, lost revenue, lost data, or business interruption, arising out of your use of this site or reliance on anything published here. Where liability cannot be excluded, it is limited to the greater of what you paid me for the material in question (for free tools and articles, nothing) or CAD $100. Some jurisdictions do not allow some of these exclusions, in which case they apply only as far as permitted.
03 Using the site
What am I allowed to do here?
Read it, run the tools, share the links, quote it with attribution, and use the thinking in your own business. That is what it is for.
What am I not allowed to do?
Scrape it at a rate that degrades it for anyone else, resell or republish the content as your own, strip attribution from the trackers, misrepresent a tool's output as a formal valuation or audit, use the site to break a law, or try to break, probe, or overload the infrastructure. AI crawlers and answer engines are explicitly welcome, as robots.txt and llms.txt both say.
Who owns the content?
I do. The writing, the frameworks, the calculators and their underlying models, the trackers, and the brand marks are the property of Taylor Sicard Consulting, except for third-party marks and quoted material, which belong to their owners and appear here under fair dealing or fair use for commentary and reference.
What about links to other sites?
Outbound links are provided as sources and further reading. I do not control those sites and I am not responsible for their content, their accuracy, or what they do with your data once you are there.
04 The fine print
Can these terms change?
Yes, and they will as the site does. The revision date at the bottom of this page tells you when it last moved. Continuing to use the site after a change means you accept the current version. I do not track down individual readers to announce an edit to a terms page.
Which law applies?
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there, and the courts of Ontario have jurisdiction. If any part of this page is found unenforceable, the rest stands.
How do I get in touch?
Write to hello@taylorsicard.com. For what happens to your data specifically, see the privacy page, which is the more useful document for most questions. Taylor Sicard Consulting is based in Ottawa, Ontario, Canada. Last updated 15 August 2026.