Terms of Service

92 ACG provides growth-stage advisory services to mid‑size company executives and CFOs. By accessing or using our platform and services, you accept these Terms of Service (“Terms”) in their entirety. Our engagement model is data‑driven, with a turnaround of two weeks, not two quarters — but that speed applies only to delivery, not to legal obligations. These Terms govern all use of 92 ACG’s proprietary modeling tools, communication channels, and deliverables. For definitions and scope, refer to the most current version posted on your dashboard.

Account Termination. 92 ACG reserves the right to suspend or terminate any account, immediately and without prior notice, under the following conditions:

• Material breach of these Terms (e.g., unauthorized disclosure of advisory models, attempted extraction of proprietary cash‑flow algorithms).
• Non‑payment of fees within 10 business days of invoice date — interest accrues at 1.5% per month (or the highest rate allowed by law) on overdue balances.
• Violation of applicable securities laws or FINRA rules regarding advisory statements; zero‑tolerance policy on misrepresented EBITDA or ARR figures.
• At‑will termination by either party with 30 days’ written notice. Upon notice, client loses access to ongoing advisory workflows but retains rights to final delivered outputs as per Section 3.

Content Removal. Client content — including financial statements, cap table drafts, and advisor‑generated models — remains the property of the client. However, 92 ACG may remove or restrict access to any content that:

• Violates our Acceptable Use Policy (e.g., sharing dilution scenarios with external parties without a NDA).
• Contains third‑party proprietary data not cleared for internal advisory use. We will notify you before removal and provide a 48‑hour window to export.
• Is flagged by our automated compliance system as inconsistent with the engagement’s cash‑flow assumptions. Removal does not absolve any misrepresentation liability.

Post‑termination, client must retrieve all materials within 30 days. After that, 92 ACG will permanently delete client workspace data, subject to retention requirements under Section 4.

Data Handling. We treat client financial data with the same rigor we apply to cash‑flow modeling — granular, auditable, and encrypted. Our data practices are governed by the following principles:

• Security: All data at rest uses AES‑256; in transit via TLS 1.3. SOC 2 Type II report available on request.
• Retention: Advisory models and correspondence retained for 7 years post‑engagement closure (compliance with SEC Rule 17a‑4). After that, data is shredded and wiped from all backups.
• Access: Only your dedicated advisor and our internal compliance officer have access to your data. No aggregate benchmarking without explicit opt‑in.
• Deletion: When you request data removal via the Contact Us page, we confirm deletion within 5 business days and provide a cryptographic verification hash of the purge.

General Provisions. These Terms are governed by the laws of the State of Delaware, without regard to conflict‑of‑law principles. Any disputes shall be resolved in federal court in New Castle County. Amendments become effective 14 days after posting; continued use constitutes acceptance. For account‑specific questions regarding termination, content removal, or data handling, please contact us through the official Contact Us page — do not rely on advisor chat for legal notices. Execution of these Terms confirms your LTV/CDL profile and binds the entity you represent.