Terms of Service

Last updated: February 25, 2026

1. Acceptance of Terms and Agreement

By accessing, browsing, or using BreakEven SMB ("the Site," "we," "our," or "us"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree with any part of these Terms, you must not access or use the Site. Your continued use of the Site following the posting of any changes to these Terms constitutes acceptance of those changes.

These Terms apply to all visitors, users, and others who access or use the Site, including but not limited to small business owners, consultants, financial advisors, students, educators, and any other individuals or entities accessing our financial calculators and resources. By using our Site, you represent and warrant that you are at least 13 years of age and have the legal capacity to enter into these Terms.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time without prior notice. It is your responsibility to review these Terms periodically for changes. Your continued use of the Site after any modifications indicates your acceptance of the updated Terms.

2. Description of Services

BreakEven SMB provides a comprehensive suite of free online financial calculators and business planning tools designed specifically for small businesses, consultants, freelancers, and service professionals. Our services include but are not limited to:

  • Break-even analysis calculators
  • Profit margin and markup calculators
  • Marketing ROI and ROAS calculators
  • Cost per lead and customer acquisition calculators
  • Customer lifetime value (CLV) calculators
  • Contribution margin calculators
  • Ad spend budget planning tools
  • Pricing strategy calculators
  • Burn rate and cash flow calculators
  • Startup cost estimation tools
  • Multi-product break-even analyzers

All calculators and tools are provided free of charge and are accessible without registration or account creation, unless otherwise specified. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. Use License and Restrictions

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use. This license does not include:

  • Modifying, copying, distributing, transmitting, displaying, performing, reproducing, publishing, licensing, creating derivative works from, transferring, or selling any information, software, products, or services obtained from the Site
  • Using the Site or its content for any commercial purpose without our express written consent
  • Removing any copyright, trademark, or other proprietary notices from materials on the Site
  • Transferring materials to another person or "mirroring" materials on any other server
  • Using any automated means, including robots, spiders, or data mining techniques, to access, monitor, or copy any part of the Site
  • Attempting to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site
  • Interfering with or disrupting the operation of the Site or servers or networks connected to the Site

This license shall automatically terminate if you violate any of these restrictions and may be terminated by BreakEven SMB at any time, with or without cause, and with or without notice.

4. User Conduct and Responsibilities

When using our Site, you agree not to:

  • Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site
  • Use any device, software, or routine that interferes with the proper working of the Site
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other harmful material
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site
  • Attack the Site via a denial-of-service attack or a distributed denial-of-service attack
  • Use the Site for any illegal or unauthorized purpose
  • Violate any applicable local, state, national, or international law or regulation

5. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, and arrangement thereof) are owned by BreakEven SMB, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Our name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of BreakEven SMB or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Site are the trademarks of their respective owners.

6. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE ARE PROVIDED BY BREAKEVEN SMB ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

BREAKEVEN SMB DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE.

ANY RELIANCE YOU PLACE ON INFORMATION PROVIDED THROUGH THE SITE IS STRICTLY AT YOUR OWN RISK. WE DISCLAIM ALL LIABILITY AND RESPONSIBILITY ARISING FROM ANY RELIANCE PLACED ON SUCH MATERIALS BY YOU OR ANY OTHER VISITOR TO THE SITE.

7. Calculators and Financial Tools - Important Disclaimers

7.1 Educational and Informational Purpose Only

All calculators, financial tools, and content provided on this Site are for educational and informational purposes only. They are designed to help users understand basic financial concepts and perform preliminary calculations. THESE TOOLS ARE NOT INTENDED TO PROVIDE PROFESSIONAL FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE.

7.2 No Professional Relationship

Use of our calculators does not create a professional-client relationship between you and BreakEven SMB. We are not your accountant, financial advisor, attorney, or business consultant. For advice specific to your situation, you must consult with qualified professionals who can consider all relevant facts and circumstances.

7.3 Accuracy and Limitations

While we strive to provide accurate calculations using industry-standard formulas, we make no representations or warranties about the accuracy, completeness, reliability, or suitability of the information provided. Results are estimates based solely on the information you input and do not account for numerous factors that may affect actual outcomes, including but not limited to:

  • Market conditions and economic fluctuations
  • Changes in laws, regulations, or tax codes
  • Competitive pressures and industry changes
  • Operational challenges and unexpected expenses
  • Customer behavior and market acceptance
  • Interest rates and financing costs
  • Inflation and currency fluctuations

7.4 User Responsibility

YOU ACKNOWLEDGE THAT YOU USE OUR CALCULATORS AND TOOLS ENTIRELY AT YOUR OWN RISK. You are solely responsible for verifying the accuracy of any calculations and for any decisions you make based on the results. Before making any significant business or financial decisions, you should consult with qualified professionals including certified public accountants, financial advisors, business attorneys, and other appropriate experts.

8. Limitation of Liability

IN NO EVENT SHALL BREAKEVEN SMB, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES BUT IS NOT LIMITED TO DAMAGES FOR:

  • Loss of profits, revenue, sales, business, or anticipated savings
  • Loss of data, goodwill, or reputation
  • Business interruption
  • Cost of substitute services
  • Any other intangible losses

THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF BREAKEVEN SMB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

9. Indemnification

You agree to defend, indemnify, and hold harmless BreakEven SMB, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including but not limited to any use of the Site's content, services, and products other than as expressly authorized in these Terms.

10. Third-Party Links and Resources

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by BreakEven SMB. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that BreakEven SMB shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

11. Termination

We may terminate or suspend your access to all or any part of the Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Upon termination, your right to use the Site will immediately cease. If you wish to terminate these Terms, you may simply discontinue using the Site.

12. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the federal or state courts located in Delaware. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

13. Waiver and Severability

No waiver by BreakEven SMB of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of BreakEven SMB to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms will continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the sole and entire agreement between you and BreakEven SMB regarding the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.

15. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time without prior individual notice. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms.

It is your responsibility to review these Terms periodically for changes. We will indicate the date of the last update at the top of this page.

16. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: contact@breakevensmb.com

Response Time: We typically respond to inquiries within 24-48 business hours.

By using BreakEven SMB, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.