Last updated: 14 April 2026. These terms govern your use of valuion.com and the reports we generate.
Please read these Terms of Service carefully. By purchasing a Valuion report or using any of our free tools, you agree to be bound by these terms. If you do not agree, do not use the service.
1. Who we are
Valuion is a service operated by Justin O’Brien (“we”, “us”, “our”), trading from Blackrock, County Dublin, Ireland. These terms constitute a legally binding agreement between you (the customer) and us.
2. The product
Valuion generates business valuation reports using an automated pipeline that combines your questionnaire answers with a curated industry-multiples database and an AI synthesis layer (Anthropic Claude). Reports are delivered as PDF, DOCX, and (for Detailed tier) XLSX files by email, typically within 10 to 15 minutes of purchase.
Two primary tiers are available at purchase:
- Standard report: 14-page PDF applying three valuation methods (Revenue multiple, EBITDA multiple, Asset-based). Priced at $199 (currency varies by jurisdiction).
- Detailed report: 20-page PDF applying all four methods (the above plus Discounted Cash Flow) with full Value Builder analysis, risk assessment, and scenario model. Priced at $399.
Other products (refresh credits, annual subscription, bundles, upgrade paths, bespoke consulting, accountant bulk packs) have additional terms described on the relevant product pages, which form part of these terms by reference.
3. What our reports are (and are not)
Valuion reports are indicative valuations based on the information you supply and industry data current at the report date. They are intended as a starting point for negotiation, planning, and decision-making.
Valuion reports are not certified appraisals, qualified tax valuations, or court-admissible valuations unless they are subsequently reviewed, signed, and adopted by a qualified professional in your jurisdiction. Full limits and jurisdiction-specific guidance are set out in our Disclaimer, which is incorporated into these terms by reference.
By purchasing a report, you confirm that you have read the Disclaimer and understand the limits of the product.
4. Your obligations
- You must supply accurate, honest financial information in the questionnaire. Reports generated from false or materially misleading inputs are of no value to anyone, including you.
- You must not use the service for fraudulent purposes, including money laundering, tax evasion, or attempting to mislead regulators, lenders, buyers, or courts.
- You must not share purchased reports publicly as if they were certified appraisals, nor use our brand to imply a certification we have not issued.
- You must not attempt to reverse-engineer, scrape, or automate access to the service.
- You are responsible for your own tax, legal, and regulatory compliance. See the Disclaimer for jurisdiction-specific guidance.
5. Payment
Payment is processed by Stripe. By completing checkout, you authorise Stripe to charge your nominated payment method. Prices displayed in your local currency include applicable value-added tax or sales tax where required by law.
Reports are digital products with no physical delivery. Under EU consumer law (Directive 2011/83/EU, Article 16(m)), digital content supplied with your express consent and acknowledgement that you thereby lose your right of withdrawal is exempt from the 14-day cooling-off period. You provide this consent at checkout by ticking the acknowledgement box.
Notwithstanding the above, we offer our own 7-day money-back guarantee, described in the next section.
6. 7-day money-back guarantee
If you are unsatisfied with your report for any reason, email support@valuion.com within 7 days of delivery and we will refund your purchase in full. No questions asked.
To prevent abuse:
- The guarantee is limited to one refund per customer, identified by email address and billing name.
- Customers who refund a report are welcomed to purchase again at standard pricing if the original issue is resolved.
- Refund requests received after 7 days will be considered on an individual basis but are not guaranteed.
- Refunds are processed within 5 business days and returned to the original payment method.
7. Intellectual property
You retain full ownership of the financial information you submit and of the final PDF/DOCX/XLSX files we deliver to you. You may share these files with your accountant, lawyer, prospective buyer, financial advisor, or any other party at your discretion.
Valuion retains ownership of the underlying software, methodology templates, industry-multiples database, report design system, branding, and all other elements of the service. You may not copy, reproduce, or resell the Valuion service itself or any substantial component of it.
If you are an accountant who has purchased a bulk pack under our white-label programme, specific additional terms apply and are published on the For Accountants page.
8. Accuracy and limitations
Our AI pipeline is built to produce numerically consistent, methodologically sound valuations. However, like any valuation (human or automated), the output is a model, not a market clearing price. Actual transaction prices depend on buyer appetite, negotiation, timing, and factors outside any model’s reach.
Specific risk factors the report cannot fully capture include: pending litigation that affects enterprise value, undisclosed intellectual property issues, key-customer contract terms we were not shown, environmental liabilities, tax exposures not disclosed in the questionnaire, and regulatory changes occurring after the report date.
We recommend reviewing any Valuion report with a qualified accountant, lawyer, or financial advisor before relying on it for any material decision.
9. Limitation of liability
To the maximum extent permitted by law, Valuion’s total aggregate liability for any and all claims arising from or relating to the service is strictly limited to the amount you paid for the report in question. We are not liable for indirect, consequential, incidental, special, or punitive damages, including lost profits, lost opportunities, or damages arising from third-party reliance on the report.
Reports are for the use of the named customer only. You indemnify Valuion against any claim brought by a third party who relies on a report without our written consent.
Nothing in these terms limits liability that cannot be lawfully limited, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.
10. Termination
We may suspend or terminate your access to the service at any time, with or without notice, if you breach these terms or if we reasonably suspect fraudulent, abusive, or unlawful activity. Termination does not affect rights that accrued before termination (for example, your right to an already-delivered report).
11. Changes to the service and to these terms
We may update the service, pricing, and these terms from time to time. Material changes to these terms will be notified by email to active customers at least 30 days in advance. Continued use of the service after the effective date constitutes acceptance of the updated terms.
12. Governing law and jurisdiction
These terms are governed by the laws of Ireland. Any dispute arising from or relating to the service will be subject to the exclusive jurisdiction of the Irish courts, subject to any mandatory consumer-protection laws that give you the right to bring proceedings in your home jurisdiction.
13. Contact
For questions about these terms, email support@valuion.com.