Terms of Service

Last updated October 31, 2026

These terms are an agreement between you and Capital Row LLC ("Capital Row", "we" or "us") about your use of ChatQoE at chatqoe.ai. By creating an account, requesting a demo or using ChatQoE, you agree to them. If you use ChatQoE for a company, you confirm you can agree for it, and "you" includes that company. Please also read the Privacy Policy.

These terms include an agreement to resolve disputes by individual arbitration, with a right to opt out. See "Disputes" below.

Who can use it

You must be 18 or older and use ChatQoE for business purposes. Keep your account details accurate. Sign-in links go to your email, so keep that email account secure and tell us at once if you think someone else has used your account.

The service, and previews

ChatQoE is changing quickly. Features may be added, changed or removed. Previews, demos and free features are provided as they are, and examples marked as sample, fictional, illustrative or synthetic are not real companies or real figures.

Your information

You own what you put into ChatQoE. You give us permission to host, copy, process and display it only to provide the service to you and the people you share with. You confirm you have the right to provide it. We do not use it to train AI models. We treat non-public business information you provide as confidential and limit access to people who need it to run the service. We may use counts and logs about how features are used, which do not identify your company's figures.

What you may not do

• Send patient health information, records about substance use disorder treatment, Social Security numbers, bank or card numbers, or passwords for other services.
• Break the law, infringe anyone's rights, or upload content you have no right to share.
• Offer or solicit securities, or use the service as a broker-dealer or investment adviser.
• Scrape, copy or resell the service, reverse engineer it, or get around its security or limits.
• Upload malware, impersonate anyone, or interfere with other users.

Not advice, not an audit, not a valuation

Capital Row LLC is not a registered broker-dealer, investment adviser, law firm or CPA firm. ChatQoE does not provide investment, legal, tax or accounting advice. Its outputs are not an audit, review, compilation, examination, agreed-upon procedures or any other attestation engagement under AICPA or PCAOB standards, and they are not a fairness opinion, appraisal or valuation. Figures rest on the information you provide. A figure is traced, reconciled or tied to a source document only where the output says so. You and your own advisers make your decisions.

The Enterprise Value Index

Where shown, the Enterprise Value Index is a directional score from 300 to 850 that reflects how well a company's earnings are documented, with bands named At Risk, Developing, Pre-Q, Exit-Ready and Premium. It is not a credit score, a consumer report, an appraisal or a valuation. Do not use it to decide anyone's eligibility for credit, insurance, employment or housing. The method is ours, and it may change.

What ChatQoE prepares

ChatQoE prepares scenarios from the summaries you enter, so you can see the questions a buyer's accountants are likely to ask. It does not verify your numbers or produce a quality of earnings opinion. A sell-side quality of earnings report comes from an independent accounting firm.

Fees

Some features may require payment. Prices are shown before you buy. Paid plans renew automatically for the same period until you cancel, and you can cancel online or by email at any time, effective at the end of the current period. Fees do not include taxes. We give at least 30 days' notice before a price change applies to you.

Third-party services

If you connect or use a service from another company, that company's terms and privacy policy govern it. We are not responsible for those services.

Ours

We own ChatQoE, its software, design and names. If you send us feedback, we may use it without owing you anything. Copyright complaints go to team@thecapitalrow.com, with the work, where it appears, your contact details and a statement that you have the right to complain.

Suspension and closing an account

You can close your account at any time. We may suspend or close an account that breaks these terms or puts others at risk. When an account closes, you have 30 days to ask for an export of your information, unless the law prevents it.

Warranty disclaimer

ChatQoE is provided "as is" and "as available". To the extent the law allows, we disclaim all warranties, including merchantability, fitness for a particular purpose and non-infringement, and we do not promise the service will be uninterrupted or error free.

Limits on liability

To the extent the law allows, Capital Row is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or deals. Our total liability for any claim about the service is limited to the greater of the fees you paid us in the 12 months before the claim and $100. These limits do not apply to fraud, willful misconduct or anything else the law does not allow us to limit.

Indemnity

You will defend and indemnify Capital Row against claims by others arising from your content, your transactions with other users, or your breach of these terms.

Disputes

• First, email team@thecapitalrow.com and give us 30 days to resolve it informally.
• If we cannot, any dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Orange County, California. Either side may instead bring an individual claim in small claims court, and either side may go to court to protect intellectual property.
• Claims may be brought only individually, not as a class or representative action. Nothing here waives a right to seek public injunctive relief where the law protects that right.
• You may opt out of arbitration within 30 days of first accepting these terms by emailing team@thecapitalrow.com with "Arbitration opt-out" in the subject line.
• If arbitration does not apply, the state and federal courts in Orange County, California have exclusive jurisdiction.

California law governs these terms, without regard to conflict of law rules.

Other terms

You agree to receive notices electronically. We may update these terms by posting them here; if a change is material, we tell you in advance by email or in the product, and continued use after it takes effect means you accept it. These terms are the whole agreement about the service, together with any written pilot or order terms. If part of them is unenforceable, the rest still applies. Not enforcing a term is not a waiver. You may not transfer these terms without our consent; we may transfer them with the business. Neither side is responsible for delays caused by events outside its reasonable control.

Contact us

Capital Row LLC, 1968 S. Coast Hwy #2329, Laguna Beach, CA 92651. Email team@thecapitalrow.com. Put "ChatQoE" and the topic in the subject line so the right person sees it.