Terms of Service
Terms of Service
The service
QoEReady provides Quality of Earnings readiness preparation — reconciliations, variance flags, evidence indexing, explanation drafts, DSCR scenarios and a data-room index — as described on this site. Readiness preparation only — not a QoE report, audit, or valuation. Lender QoE must be independent and lender-ordered per SBA SOP 50 10 8.1. QoEReady is not a CPA firm and provides no accounting, audit, tax, legal or valuation advice.
Billing
Readiness Audit ($499) and Full Prep Pack ($1,499) are one-time charges via Stripe. Broker Desk ($199/mo) is billed monthly in advance via Stripe; cancel anytime and it stops at the end of the billing period. The turnaround clock — Audit 3 business days, Full Prep 5 business days — runs from a complete intake and pauses while we wait on your documents.
The guarantee
If our report misses a variance our analyzer is designed to flag (>2% cash/tax, >3% expense, undocumented add-backs) that the lender QoE later surfaces from the same data you gave us, we refund that tier in full. We do NOT guarantee loan approval, QoE outcome, or price — no honest prep service can.
Acceptable use
You’re responsible for the accuracy of the numbers and documents you submit; the analysis is only as good as the data supplied, and the guarantee is scoped to supplied data. Don’t use the service to break the law, spam people, or attack other systems. We may suspend accounts that abuse the service.
Liability
The service is provided “as is”. To the maximum extent permitted by law, our liability is limited to the fees you paid in the 12 months before the claim.
Changes
We’ll post material changes here and email active customers before they take effect.