SharePop StudioSharePop Studio

SharePop Studio Terms of Service

Last updated: October 20, 2026

These Terms of Service (the "Terms") form a binding agreement between Sharepop Studio Inc., operating as SharePop Studio ("SharePop Studio," "we," "our," or "us"), and you, governing your access to and use of SharePop Studio, an online education and business resource center for small business operators and their advisors, including the website at sharepopstudio.com, the application at app.sharepopstudio.com, any related applications, application programming interfaces, the Model Context Protocol (MCP) endpoint, and other services that link to these Terms (collectively, the "Service").

PLEASE READ THESE TERMS CAREFULLY. They include important provisions about the relationship between you and SharePop Studio, including disclaimers, a confidentiality obligation covering non-public information about the Service, an acknowledgement that every output of the Service is a first draft compiled from the information you supply and must be independently checked, an assumption of risk, a release of claims, limitations of liability that apply even to claims alleging our own negligence or gross negligence and even to claims arising from data breaches and other cybersecurity incidents, a section allocating all professional responsibility to advisors, brokers, and firms who use the Service with their clients, and (for users in the United States) a binding individual arbitration agreement and a class-action waiver. By using the Service you accept all of these provisions.

By accessing or using the Service you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, you must not use the Service.

1. Eligibility

To use the Service you must (a) be at least eighteen (18) years old, (b) have the legal capacity to enter into a binding contract, (c) be a business owner, officer, advisor, or authorized agent acting in connection with a lawfully operating business, and (d) not be barred from receiving the Service under the laws of your jurisdiction or any other applicable jurisdiction.

You may not use the Service if you are located in, organized in, or a resident of any country, territory, or region subject to a comprehensive United States, Canadian, United Kingdom, European Union, or United Nations economic embargo, or if you are listed on any government sanctions or restricted-party list.

You represent that all information you provide to us is true, accurate, current, and complete, and that you will keep it up to date.

2. What the Service is

SharePop Studio is an online education and business resource center. It helps small business operators and their advisors learn about and think through their businesses using educational content, analysis tools (including Local Market Scan, Unit Economics, Market Structure, Price Position, Whitespace Opportunity, Location Quality, CAC, Risk Profile, and Business Score), valuation and cashflow views, lead-discovery tools for advisors, and the Light conversational assistant. You provide information by answering questions, uploading documents, and (optionally) linking a financial account through Plaid Inc. ("Plaid").

The Service is an educational and decision-support resource. It does not move money, hold funds, lend funds, extend credit, custody assets, file tax returns, broker the sale of a business, or provide regulated financial, accounting, tax, legal, valuation, appraisal, or investment advice. Nothing in the Service, and nothing the Light assistant says, is professional advice of any kind, and no professional, fiduciary, advisory, or agency relationship is created between you and SharePop Studio by your use of the Service.

What we actually do. The Service collects, compiles, organizes, and presents the information supplied to it, and applies general-purpose calculations, benchmarks, and models to that information to produce a first draft: a starting point for you and the qualified professionals you engage to review, correct, complete, and finalize. We do not exercise professional judgement about your business, we do not know facts about your business beyond what is supplied to us, and we do not stand behind any output as an opinion of ours. We provide no assurance of any kind: nothing the Service produces is an audit, a review, a compilation, or an agreed-upon-procedures engagement within the meaning of any accounting or assurance standard, and no output carries the assurance, certification, or opinion of any accountant, appraiser, valuator, broker, or other professional. The finished, reviewed product is the work of you and the professionals you engage, not of SharePop Studio.

3. Your information drives the results

Every score, valuation, projection, benchmark, ranking, and other output the Service produces is calculated from the information supplied to it, above all the information supplied by you: your answers to questions, the documents you upload, the figures you enter, and the accounts you connect. We calculate to the best of the Service's ability, but the outputs can only ever be as accurate as the information they are built from. If the information you supply is incomplete, outdated, estimated, or wrong, the outputs will be too, and we have no ability or obligation to detect that.

You are solely responsible for the accuracy, completeness, and currency of everything you supply to the Service, and you accept that every output is conditional on those inputs. We do not audit, verify, or validate the information you provide, and we do not verify information supplied on your behalf by an advisor, an accounting system, a financial institution, a document, or any other source.

4. Every output is a draft that you must check

Every output of the Service is an initial draft, not a finished product. Scores, valuations, cashflow views, projections, plans, recommendations, benchmarks, lead lists, drafted documents, memoranda, and everything the Light assistant produces are compiled and calculated to the best of the Service's ability from the information supplied, and are delivered to you on the express understanding that:

  • You will check every number before you rely on it. You agree to independently review, question, verify, and where necessary correct every figure, calculation, statement, and conclusion the Service presents, against your own records and your own knowledge of your business, before giving it any weight or using it for any purpose.
  • Your own professionals will review and finalize it. You agree that any output you intend to rely on, act on, present to a lender, buyer, investor, partner, tax authority, court, or other third party, or use in any transaction, will first be reviewed, validated, and finalized by qualified professionals you engage, including as appropriate your accountant, your lawyer, a licensed appraiser or valuator, and a licensed broker. The Service is designed on the assumption that this review happens, and nothing in the Service is intended to be used without it.
  • The Service is complementary, not a substitute. Outputs are intended to complement your own analysis, your own records, your own work, and the advice of qualified professionals you engage. They are not a replacement for any of those, and must never be the sole basis for any decision.
  • Errors are expected, and are yours to catch. Calculation errors, extraction errors, misclassified documents, stale benchmarks, mismatched periods, currency and unit mistakes, and mistaken assumptions can and do occur in automated compilation. You accept that finding and correcting them is part of your responsibility, and part of the review your professionals perform, and not a service we provide.

5. Estimates, forecasts, valuations, and predictive technology

Portions of the Service generate forward-looking or judgement-dependent outputs: forecasts, projections, valuations, scores, scenario models, lead rankings, and similar results. You acknowledge and agree that:

  • No forecast or predictive technology is ever one hundred percent accurate. Predictive outputs are probabilistic estimates built on assumptions, models, third-party data, and the information you supplied. Actual results will differ, sometimes materially.
  • Valuing a business is inherently subjective. There is no single correct value for a business. Any valuation depends on the method chosen, the assumptions made, the comparables and multiples used, the quality of the underlying records, and the judgement of the person applying them. Two qualified professionals valuing the same business in good faith on the same day can reach materially different figures, and both can be reasonable. A figure the Service produces is one output of one automated method applied to the information supplied, and nothing more.
  • The future is unpredictable. Any valuation, forecast, or projection is exposed to variables that neither you nor we can predict or control, including market conditions, interest rates, buyer and lender appetite, financing availability, competition, regulation, taxation, customer behaviour, supplier and labour conditions, the economy, and events affecting your industry or region. No output accounts for all of them, and no output is a prediction of what will actually happen.
  • No output is a price. A valuation produced by the Service is an educational estimate. It is not an appraisal, a fairness opinion, a solvency opinion, an offer, a listing price, a lending value, or a representation that any buyer, lender, investor, court, or tax authority will accept it or that any transaction will occur at that figure or at all. It must not be represented to any third party as any of those things, and must not be described as prepared, endorsed, or verified by SharePop Studio.
  • Scores and rankings are relative, not absolute. Scores, grades, bands, rankings, and thresholds are comparative devices built from general rules and benchmarks. They are not certifications, ratings, or assessments of creditworthiness, and they carry no meaning outside the Service.
  • You are expected to scrutinize every number. The Service is designed on the assumption that you will independently review, question, and verify the data, numbers, and results it presents before giving them any weight.

6. Account registration and security

You must register for an account to use the Service. We use an identity provider (currently Stack Auth) to authenticate you. You are responsible for maintaining the confidentiality of your credentials, for restricting access to your account, and for all activity that occurs under your account.

You agree to notify us promptly at security@sharepopstudio.com if you suspect any unauthorized use of your account, any exposure of an MCP token, or any other security incident affecting your access to the Service.

7. Uploaded documents and AI processing

The Service lets you upload financial statements and other documents. When you do, you authorize us to store those documents and to transmit their contents to our AI processor (currently Google LLC, through its Gemini models) so it can classify the document and extract structured financial figures for use in your analyses. You represent that you have the right to upload each document and to have it processed this way.

The Light assistant and certain tools also use AI to interpret your inputs and present results. AI outputs can be incomplete or wrong; see the "Important disclaimers" section. We do not use your documents, connected financial data, or tool results to train general-purpose models, and our AI processing runs under commercial API terms that provide that the provider does not use your inputs or outputs to train its models.

8. Connected financial accounts

If you choose to link a financial account through the Service, you authorize SharePop Studio and Plaid to: (a) access your financial-institution account on your behalf; (b) retrieve, store, and process account information including bank and account names, account types and masked numbers, balances, transactions, and identity fields; and (c) refresh that data on an ongoing basis until you disconnect the account or close your SharePop Studio account.

Your interactions with Plaid Link, and any information you provide to Plaid directly during the link flow, are governed by Plaid's End User Privacy Policy and other Plaid terms, available at https://plaid.com/legal/. We never receive your financial-institution username, password, or multi-factor codes.

You can disconnect any linked financial account at any time from within the Service. When you do, we revoke the underlying Plaid access token and delete the tokens and identifiers we stored to maintain that connection. You can also use the Plaid Portal at https://my.plaid.com to manage every connection associated with your financial accounts.

You represent that you are the rightful owner of any financial account you connect, or that you have express authority from the rightful owner to connect that account to the Service.

9. MCP and third-party AI agent access

The Service exposes its analysis tools through a Model Context Protocol (MCP) endpoint so that you can run your tools from an authorized third-party AI agent or client, rather than only from the SharePop Studio web app. If you use this feature:

  • Authorization and scope. MCP access requires a token issued for your account. Each token carries scopes that limit which tools may be run, and every call is subject to the same multi-tenant authorization used by the web app.
  • You authorize the data flow. By connecting an agent, you authorize SharePop Studio to accept tool requests from that agent under your token and to return tool results, which may include your business and financial data, to that agent. The agent, its operator, and any AI provider it relies on are third parties whose handling of that data we do not control and are not responsible for.
  • Your responsibilities. You are responsible for the agents and clients you connect, for keeping each MCP token confidential, for the actions taken under your token, and for the downstream use of any data you direct us to send. You must not use MCP access to exceed your authorized scopes, to circumvent rate limits or access controls, or to reach data belonging to another business.
  • Our rights. We may set, change, or enforce scopes, rate limits, and other controls on MCP access, and may suspend or revoke any MCP token at any time to protect the Service, our users, or third parties. Tool runs made through MCP are logged for security and accountability.
  • The disclaimers, assumption of risk, release, and limitations of liability in these Terms apply equally to results obtained through MCP.

10. Advisors, brokers, and firms

The Service supports advisors, business brokers, consultants, accountants, and advisory or brokerage firms (together, "Advisors") who subscribe to advisor or firm plans to work with business operators and to discover prospective clients. If an Advisor is engaged in connection with your business and is granted access to your workspace, that Advisor may view and act on your business and financial information to perform the engagement. Advisors must use the Service only for the businesses they are authorized to serve and are bound by these Terms. This section applies to every Advisor, whether or not the Advisor uses the white-label features described below.

a. The Advisor is the professional of record; we are a software provider. SharePop Studio licenses software. We are not a party to, and have no responsibility for, any relationship, engagement, listing, mandate, or transaction between an Advisor and an operator, lead, client, buyer, seller, lender, or investor (each a "Client"). Every service an Advisor delivers to a Client using the Service is the Advisor's own service, delivered under the Advisor's own name, licence, judgement, and responsibility. The Advisor, not SharePop Studio, is the professional of record for everything the Advisor produces or delivers with the Service.

b. Outputs are first drafts for the Advisor to finalize. Every output the Service produces for an Advisor, including valuations, scores, plans, reports, confidential information memoranda, pitch materials, drafted documents, lead lists, and drafted outreach, is an initial draft compiled from the information supplied, as described in the "Every output is a draft" and "Estimates, forecasts, valuations, and predictive technology" sections. The Advisor agrees that it will review, verify, correct, complete, and finalize every output, applying its own professional judgement, before any Client sees, receives, or relies on it, and that it will not present any output to a Client or any third party as prepared, verified, endorsed, or approved by SharePop Studio.

c. The Advisor's own documentation and professional review. The Advisor is solely responsible for the terms of engagement, engagement letters, listing agreements, confidentiality agreements, attestations, disclosures, disclaimers, privacy notices, and every other document that governs its relationship with a Client, and for the accuracy and completeness of every representation it makes to a Client, a buyer, or a lender. The Advisor agrees that it has had, or will have, its own legal counsel review those documents and its use of the Service, and its own accountant or other qualified professional review the financial information and outputs it relies on or delivers, and that it will not rely on SharePop Studio for any of that review. Sample agreements, templates, clauses, and drafted documents made available in the Service are provided for convenience only, are not legal, accounting, or tax advice, are not tailored to any jurisdiction, licence, or engagement, and are used entirely at the Advisor's risk.

d. Licensing and compliance. The Advisor is solely responsible for holding every licence, registration, designation, and insurance required to provide its services in every jurisdiction where it operates (including any business-broker, real-estate, securities, appraisal, accounting, or legal licensing requirement), for complying with every law and professional rule that applies to it, and for complying with anti-spam and telemarketing laws (including Canada's Anti-Spam Legislation and the U.S. CAN-SPAM Act) in every communication it sends. SharePop Studio makes no representation that the Service, or any output, satisfies any professional, regulatory, or licensing standard, including any valuation, appraisal, or reporting standard.

e. Lead-discovery outputs. Advisors acknowledge that lead-discovery outputs (including business listings, contact details, scores, rankings, and drafted outreach) are generated from public sources and automated analysis, are provided for convenience only, may be inaccurate or out of date, and must be independently verified before use. Advisors are solely responsible for their outreach and for every aspect of any engagement they enter into with a lead or client.

f. Client-facing surfaces and white label. Where the Service lets an Advisor share reports, memoranda, portals, or documents with Clients, or present the Service under the Advisor's own name, brand, product name, or domain ("white label"), the Advisor is the sole provider of that service to its Clients and the sole counterparty to every Client who uses it. The Advisor agrees that (i) its Clients contract with the Advisor and not with SharePop Studio; (ii) the Advisor's Client-facing terms, privacy policy, and confidentiality agreements will disclose that the service runs on software provided by an independent technology provider that gives no advice, makes no representation about any output, and has no liability to the Client, in substance the paragraph we provide in our recommended templates; (iii) the Advisor will not remove, weaken, or contradict that disclosure; and (iv) the Advisor's own liability to its Clients is the Advisor's alone. Any white-label addendum you accept in the Service forms part of these Terms.

g. No liability to Clients; indemnity. SharePop Studio owes no duty of care to, and has no liability of any kind to, any Client of an Advisor, and no Client is a third-party beneficiary of these Terms or of any subscription. The Advisor will defend, indemnify, and hold harmless the Released Parties (defined in the "Release and limitation of liability" section) from and against every claim, demand, loss, liability, damage, cost, and expense, including reasonable legal fees, brought by or arising from any Client, lead, buyer, seller, lender, investor, or other third party in connection with the Advisor's services, the Advisor's use of the Service, any output the Advisor delivered or relied on, any document the Advisor used (including any sample we provided), any representation the Advisor made, any transaction the Advisor was involved in, or any breach of this section.

h. Advisors are users. Everything else in these Terms, including the disclaimers, the assumption of risk, the release, the limitations of liability, and the indemnity, applies to Advisors in full and in addition to this section.

11. License and acceptable use

Subject to your compliance with these Terms, SharePop Studio grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your internal business purposes during the term of these Terms.

You may not:

  • Use the Service in a way that violates any applicable law or regulation, infringes the rights of any third party, or breaches any duty owed to a third party.
  • Access or attempt to access another user's account, data, connected financial accounts, or workspace, whether through the web app, the MCP endpoint, or otherwise.
  • Reverse-engineer, decompile, disassemble, scrape, or otherwise attempt to derive the source code of the Service, except to the extent applicable law expressly permits despite this prohibition.
  • Use the Service to send spam, phishing, malware, or other harmful content; to introduce viruses or any other code of a destructive nature; or to interfere with the integrity or performance of the Service or the data it contains.
  • Use automated means to access the Service except through our documented interfaces (including the MCP endpoint) and within their documented scopes and limits.
  • Use the Service, or the outputs of the Service, to build or train a competing product or service, including by using outputs to train a machine-learning model.
  • Use the Service in connection with high-risk activities where failure could lead to death, personal injury, or severe physical or environmental damage.
  • Upload documents you do not have the right to upload, or misrepresent your identity, your business, your authority to act, or your relationship to any financial account you link or any workspace you access.
  • Represent any output of the Service to a lender, investor, buyer, regulator, court, or other third party as an audited figure, a professional appraisal, or professional advice.

12. Confidentiality

a. What is confidential. "Confidential Information" means any non-public information about SharePop Studio or the Service that you learn through your use of the Service or your dealings with us, in any form, including: features, workflows, screens, and outputs that are not publicly available or that are marked, labelled, or described as beta, preview, early access, pilot, or test; our methodology, models, scoring, benchmarks, prompts, data sources, and the way outputs are produced; our roadmap, plans, and unreleased products; pricing, discounts, and commercial terms that are not published on our public website; security practices, architecture, and technical details; and the content of any conversation, demonstration, or written exchange with us about any of the above. Confidential Information includes any notes, screenshots, recordings, and summaries you make of it.

b. What is not confidential. Confidential Information does not include information that (i) is or becomes publicly available through no breach of these Terms by you, (ii) you can show you already knew before receiving it from us without any obligation of confidence, (iii) you rightfully receive from a third party who is not bound by a duty of confidence, or (iv) you independently develop without reference to or use of Confidential Information. Published pricing, public marketing pages, public documentation, and your own data and outputs are not Confidential Information.

c. Your obligations. You will (i) use Confidential Information only to evaluate and use the Service for your internal business purposes, (ii) not disclose, publish, post, or share Confidential Information with anyone other than your own employees, contractors, and professional advisers who need to know it to help you use the Service and who are bound by written confidentiality obligations at least as protective as this section, (iii) protect Confidential Information with at least the care you use for your own confidential information and never less than reasonable care, and (iv) not use Confidential Information to build, train, improve, or inform a competing product or service, or to assist anyone else in doing so. You are responsible for any breach of this section by a person you share Confidential Information with.

d. Beta and early-access features. Any feature, account, or program we make available to you before its general release, including a free or trial account granted so you can review the Service, is confidential by default. You may not publicly describe, review, demonstrate, screenshot, or record such features without our prior written consent. We welcome your Feedback on them, and the "Feedback" section governs what we may do with it.

e. Compelled disclosure. If you are required by law, regulation, subpoena, or court order to disclose Confidential Information, you may do so only to the extent required, and only after giving us prompt written notice (where legally permitted) so we can seek a protective order or other remedy. You will cooperate reasonably with any such effort at our expense.

f. Duration and return. Your obligations under this section begin when you first receive Confidential Information and continue for three (3) years after your account is closed or these Terms end, except that obligations regarding trade secrets continue for as long as the information remains a trade secret under applicable law. On our written request, or when your account is closed, you will promptly delete or return Confidential Information in your possession, except for copies retained in routine backups or as required by law, which remain subject to this section.

g. Remedies. A breach of this section may cause us harm that money alone cannot repair. In addition to any other remedy, we may seek injunctive or other equitable relief for any actual or threatened breach of this section, without the need to post a bond or prove monetary damages, and the limits in the "Release and limitation of liability" section do not cap our remedies for your breach of this section.

h. Our handling of your information. Our obligations regarding your personal information and the data you submit to the Service are set out in our Privacy Policy and in the "Intellectual property" section, not in this section.

13. Feedback

If you choose to provide us with feedback, ideas, suggestions, or other input about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, distribute, and otherwise exploit the Feedback without any obligation to you. You waive any moral rights in the Feedback to the extent permitted by applicable law.

14. Intellectual property

The Service, including all software, designs, user interfaces, the Light character and persona, content, logos, and trademarks (excluding your data and Feedback), is owned by SharePop Studio or its licensors and is protected by intellectual-property laws. Except for the limited license granted in the "License and acceptable use" section, these Terms do not grant you any rights in or to the Service or any of its components.

You retain all rights in the data you submit to the Service (including documents you upload and financial data retrieved on your behalf through Plaid). You grant SharePop Studio a limited, worldwide, royalty-free license to host, store, process, transmit, and display that data, and to transmit it to our AI processor as described in these Terms, for the sole purpose of operating, securing, and providing the Service to you.

15. Fees, subscriptions, and billing

The Service is offered through paid subscription plans. The current plans, prices, currencies, what each plan includes (including any monthly usage allowances such as lead claims), and any introductory pricing are presented to you at the point of purchase and on our pricing pages, and those presented figures govern.

  • Payment processing. Payments are processed by Stripe, Inc. ("Stripe"). By subscribing you authorize us and Stripe to charge your payment method for the plan you select. Your use of Stripe's payment services is subject to Stripe's own terms.
  • Automatic renewal. Subscriptions renew automatically each billing period at the then-current rate until you cancel. Where an introductory rate applies for a stated number of periods, the subscription continues at the standard rate after the introductory periods end.
  • Cancellation. You may cancel at any time through the in-product billing controls or by emailing support@sharepopstudio.com. Cancellation takes effect at the end of the current billing period; you keep access until then.
  • No refunds. Except where required by applicable law or expressly stated by us in writing, all fees are non-refundable and non-creditable, including for partial periods, unused allowances, downgrades, or dissatisfaction with outputs.
  • Price changes. We may change prices prospectively. If we do, we will give you advance notice, and the new price applies from your next renewal after the notice period. If you do not agree, cancel before the renewal.
  • Taxes. Fees are exclusive of applicable taxes, which are your responsibility unless we are required by law to collect them.
  • Non-payment. We may suspend or terminate access for failed or overdue payment after reasonable notice.

16. Third-party services

The Service depends on third-party services, including Google (AI processing), Plaid (financial-account connectivity), Stripe (payments), Stack Auth (identity), Neon (database hosting), Vercel (hosting and storage), and Resend (email delivery), and, where you connect them, third-party AI agents through the MCP endpoint. Your use of those services is governed by their respective terms. To the fullest extent permitted by applicable law, SharePop Studio is not responsible or liable for the acts, omissions, security, or availability of any third party, or for any service interruption, data loss, data breach, or other harm originating with or caused by a third party.

SharePop Studio is not an agent of your financial institutions. Information retrieved through Plaid, or extracted from documents you upload, may be delayed, incomplete, or inaccurate for reasons outside our control. Always confirm official balances, transactions, and records with your financial institution and your own advisors.

17. Privacy

Our Privacy Policy describes how we collect, use, share, and protect personal information, including how we use AI to process your data and what happens when you connect a third-party agent over MCP. By using the Service you confirm that you have read and understood the Privacy Policy.

18. Important disclaimers

a. We are an education and resource platform, not a financial institution. SharePop Studio is not a bank, broker-dealer, investment adviser, money services business, money transmitter, lender, accountant, tax preparer, business broker, appraiser, or insurance provider. The Service does not move money, hold funds, lend funds, custody assets, extend credit, or provide regulated financial advice.

b. No financial, tax, legal, valuation, or investment advice. The information and outputs you see in the Service, including scores, valuations, forecasts, cashflow projections, indicators, lead rankings, drafted content, drafted documents, and decision aids, and anything the Light assistant tells you, are for general educational and informational purposes only. They are not financial, tax, accounting, legal, valuation, appraisal, brokerage, or investment advice, and they are not a recommendation to buy, sell, hold, finance, price, or restructure anything. We have no fiduciary duty to you and no duty of care in respect of any output. You are solely responsible for your business and financial decisions, and you must consult a qualified professional before acting on anything you see in the Service.

c. Accuracy depends on inputs; every output is a draft; predictions are never certain. As stated in the "Your information drives the results", "Every output is a draft that you must check", and "Estimates, forecasts, valuations, and predictive technology" sections, outputs are compiled from the information supplied, are first drafts that you and your professionals are expected to verify and finalize, and are only as accurate as the information supplied; no forecast or predictive technology is ever one hundred percent accurate, and any valuation is subjective and exposed to variables no one can predict. You agree that you will independently scrutinize all data, numbers, and results, that you will have qualified professionals review anything you intend to rely on, and that you will treat the Service as complementary to, and never a substitute for, your own analysis and work.

d. No representation to third parties. We make no representation to any lender, buyer, investor, tax authority, court, regulator, or other third party about your business or any output, and no output may be presented to any third party as our opinion, certification, verification, or endorsement.

e. AI limitations. Parts of the Service use artificial intelligence to read documents and generate outputs. AI can misclassify documents, extract figures incorrectly, and produce inaccurate, incomplete, or fabricated results. You are responsible for reviewing outputs against your own records before relying on them.

f. AS-IS and AS-AVAILABLE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS, AND WITHOUT WARRANTIES, CONDITIONS, OR REPRESENTATIONS OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, DURABILITY, TITLE, NON-INFRINGEMENT, AND ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY INFORMATION, OUTPUT, OR RESULT DELIVERED THROUGH THE SERVICE WILL BE ACCURATE, CURRENT, COMPLETE, OR RELIABLE.

Some jurisdictions do not allow the exclusion of certain warranties or conditions. In those jurisdictions, the exclusions in this section apply to the fullest extent permitted by applicable law, and your non-waivable statutory rights as a consumer are not affected.

19. Assumption of risk

You acknowledge that using any online service, and any service that stores or processes business and financial information, carries inherent risks that cannot be eliminated, including the risk of inaccurate or misleading outputs, service interruption or unavailability, software defects, loss or corruption of data, unauthorized access, data breach, phishing, malware, ransomware, denial-of-service attacks, and other cybersecurity incidents, whether affecting us or any third party we rely on. You knowingly and voluntarily accept and assume all of these risks, and you agree that it is your responsibility to maintain your own copies of any documents and records you upload, to safeguard your own credentials and devices, and to independently verify any output before acting on it.

20. Release and limitation of liability

THIS SECTION LIMITS OUR LIABILITY TO YOU AND RELEASES US FROM CLAIMS. READ IT CAREFULLY. EVERY PART OF THIS SECTION APPLIES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AND ONLY TO THAT EXTENT.

a. Full release. To the fullest extent permitted by applicable law, you, on behalf of yourself, your business, and your heirs, successors, and assigns, release, waive, discharge, and covenant not to sue Sharepop Studio Inc. and its affiliates, and each of their respective officers, directors, shareholders, employees, contractors, agents, licensors, and service providers (together, the "Released Parties"), from and for any and all claims, demands, losses, liabilities, damages, costs, and causes of action of every kind, whether known or unknown, arising out of or in any way related to the Service, your use of or inability to use the Service, any output of the Service, or any decision made or action taken (or not taken) in reliance on the Service. This release covers, without limitation, claims arising from or relating to:

  • any inaccuracy, error, or omission in any score, valuation, forecast, projection, ranking, extraction, or other output, whatever its cause;
  • any business, financial, investment, pricing, hiring, purchase, sale, exit, or other decision you or anyone else makes with reference to the Service;
  • any loss, corruption, disclosure, or unavailability of data, including data you uploaded or connected;
  • any unauthorized access to or use of our servers or systems or those of our service providers, any data breach, hacking incident, phishing, malware, ransomware, or other cybersecurity incident, and any interception of transmissions to or from the Service;
  • any interruption, suspension, or termination of the Service or any part of it;
  • the acts or omissions of any third party, including AI providers, financial-data providers, payment processors, hosting providers, advisors, and third-party AI agents you connect; and
  • any output that was relied on, presented, or acted on without the independent verification and professional review these Terms require, whether by you, by an Advisor, or by any third party;
  • any relationship, engagement, representation, document, or transaction between an Advisor and a Client, including anything an Advisor produced, delivered, or represented using the Service; and
  • the negligence or gross negligence of any Released Party, it being expressly agreed that, to the fullest extent permitted by applicable law, this release and the limitations below apply even to claims alleging that the loss was caused in whole or in part by the negligence, gross negligence, recklessness, fault, error, omission, or failure of a Released Party, including any error in a calculation, model, benchmark, extraction, or output, and however the claim is framed.

b. No indirect damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ANY RELEASED PARTY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOST DATA, LOST GOODWILL, LOST BUSINESS OPPORTUNITY, DIMINUTION IN BUSINESS VALUE, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, BREACH OF STATUTORY DUTY, OR ANY OTHER LEGAL THEORY, EVEN IF A RELEASED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

c. Cap on any remaining liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IF AND TO THE EXTENT ANY LIABILITY OF A RELEASED PARTY IS FOUND TO EXIST DESPITE SECTIONS 19(a) AND 19(b), THE TOTAL AGGREGATE LIABILITY OF ALL RELEASED PARTIES, TAKEN TOGETHER, FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE LESSER OF (A) THE TOTAL FEES YOU PAID TO US FOR THE SERVICE IN THE THREE (3) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE LIABILITY, AND (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100).

d. Your sole remedy. Your sole and exclusive remedy for any dissatisfaction with the Service is to stop using the Service and cancel your subscription.

e. Basis of the bargain. You acknowledge that the disclaimers, assumption of risk, release, and limitations in these Terms are a fundamental basis of the bargain between you and SharePop Studio, that the Service's pricing reflects the allocation of risk they set out, and that we would not provide the Service on these economic terms without them.

f. Savings clause. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, which may include liability for fraud, for gross negligence or willful misconduct in some jurisdictions, for death or personal injury caused by negligence, or liability under non-waivable consumer-protection statutes. Where a jurisdiction does not permit part of this section, that part applies to the maximum extent permitted there, and every other part remains in full force. Any statutory rights you hold as a consumer that cannot be waived are not affected by these Terms.

g. Claims period. To the fullest extent permitted by applicable law, any claim arising out of or related to these Terms or the Service must be commenced within one (1) year after the claim accrues, or it is permanently barred.

21. Indemnification

You agree to defend, indemnify, and hold harmless the Released Parties from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or related to (a) your use of the Service, (b) your breach of these Terms, (c) your violation of any applicable law or any right of any third party, (d) any document or data you submit to the Service or direct us to retrieve on your behalf, (e) any decision made or action taken by you or on your behalf in reliance on any output of the Service, (f) any output you relied on, presented to a third party, or acted on without the independent verification and professional review these Terms require, (g) if you are an Advisor, your outreach to or engagement with any lead, operator, client, buyer, seller, lender, or investor, and every matter described in the "Advisors, brokers, and firms" section, and (h) any third-party AI agent you connect through the MCP endpoint or any action taken under an MCP token issued to you.

22. Term and termination

These Terms remain in effect while you have an account with us. You may close your account at any time by following the in-product flow or by emailing support@sharepopstudio.com. We may suspend or terminate your access to the Service, or revoke any MCP token, at any time if we believe you have violated these Terms, used the Service in a way that creates a security or compliance risk, or are using the Service in a way that harms or is likely to harm other users, SharePop Studio, or a third party.

On termination, we will revoke any Plaid access tokens and MCP tokens we hold for your account and delete the associated data on the schedule described in the Privacy Policy. The sections of these Terms that by their nature should survive termination (including the disclaimers, assumption of risk, release, limitations of liability, indemnification, and dispute-resolution sections) will survive.

23. Changes to the Service or these Terms

We are continually improving the Service and may add, change, or remove features at any time. We may update these Terms from time to time. If we make a material change, we will give you reasonable advance notice by email, in-product notification, or by posting a prominent notice on the Service. The updated Terms become effective on the date stated in the notice. If you do not agree to the updated Terms, you must stop using the Service.

24. Dispute resolution ~ United States users

IF YOU ARE A RESIDENT OF THE UNITED STATES, THIS SECTION REQUIRES YOU AND SHAREPOP STUDIO TO RESOLVE DISPUTES ON AN INDIVIDUAL BASIS THROUGH FINAL AND BINDING ARBITRATION, AND IT WAIVES THE RIGHT TO BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

a. Informal resolution first. Before starting a formal proceeding, you agree to contact us at legal@sharepopstudio.com with a brief written description of the dispute and your contact information. We will attempt to resolve the dispute informally within thirty (30) days of receiving your notice.

b. Binding individual arbitration. If informal resolution does not resolve the dispute, you and SharePop Studio agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by JAMS under its applicable rules, except as modified here. The arbitration will be conducted in English, by a single arbitrator, in the forum closest to your residence, or by videoconference if available. The arbitrator may award the same individual remedies that would be available in court, subject to the limitations in these Terms.

c. Class-action and jury waiver. YOU AND SHAREPOP STUDIO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MULTIPLE PARTIES, AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. YOU AND SHAREPOP STUDIO EACH WAIVE THE RIGHT TO A JURY TRIAL.

d. Opt-out. You may opt out of the arbitration and class-action waiver in this section by sending written notice to legal@sharepopstudio.com within thirty (30) days of first accepting these Terms. Your notice must include your name, the email address used with the Service, and a clear statement that you wish to opt out. If you opt out, the rest of these Terms (including the governing-law section) will continue to apply.

e. Exceptions. Either party may bring an individual action in a small-claims court of competent jurisdiction, and either party may seek injunctive or other equitable relief in court to protect its intellectual-property rights.

25. Dispute resolution ~ Canadian and other users

If you are not a resident of the United States, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be brought exclusively in the courts of the Province of Ontario, Canada, sitting in Toronto, and you submit to the personal jurisdiction of those courts and waive any objection based on venue or inconvenient forum. Nothing in this section limits any non-waivable statutory right you have as a consumer to bring proceedings in the courts of the jurisdiction where you reside.

26. Governing law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply. Nothing in this section deprives a consumer of the protection of mandatory provisions of the law of the jurisdiction where they reside.

27. General

These Terms, together with the Privacy Policy and any other policies referenced in them, constitute the entire agreement between you and SharePop Studio regarding the Service and supersede any prior agreements on the same subject. If any provision is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of that provision. You may not assign or transfer these Terms or any rights under them without our prior written consent; we may assign these Terms in connection with a corporate transaction. We are not liable for any failure or delay caused by events beyond our reasonable control. The Released Parties other than Sharepop Studio Inc. are intended beneficiaries of the release, limitation-of-liability, and indemnification sections. Notices to us must be sent to legal@sharepopstudio.com. Headings are for convenience only.

28. Contact us

For questions about these Terms, contact us at:

Sharepop Studio Inc., operating as SharePop Studio Legal: legal@sharepopstudio.com General support: support@sharepopstudio.com