Investor Readiness Review Terms & Conditions
1. Service Provider
The Investor Readiness Review is provided by Finro Limited, a company incorporated in Malta.
References in these Terms and Conditions to “Finro,” “we,” “us,” or “our” refer to Finro Limited, trading as Finro Financial Consulting. References to “client,” “you,” or “your” refer to the individual or legal entity purchasing the service.
2. Scope of the Service
The Investor Readiness Review is a fixed-scope advisory review of an existing startup financial model.
The service includes:
Review of the financial model and supporting information submitted through the intake form.
Assessment of the model’s structure, operating logic, assumptions, internal consistency, scalability, and investor defensibility.
Review of revenue, costs, margins, headcount, cash runway, and other operating drivers where included in the submitted model.
Identification of potential red flags, unsupported assumptions, areas of investor scrutiny, and inconsistencies.
A written Investor Readiness Review memo.
A prioritized action list included within the written review.
One 45-minute remote debrief call to discuss the findings and answer questions relating to the review.
The review is intended to help the client understand how investors may evaluate the financial logic and assumptions presented in the submitted financial model.
3. Activities Not Included
Unless expressly agreed in writing, the Investor Readiness Review does not include:
Rebuilding, restructuring, or editing the financial model.
Correcting formulas or implementing changes within the spreadsheet.
Creating missing projections, assumptions, scenarios, schedules, or sensitivity analyses.
Preparing a new financial model.
Preparing a formal company valuation, comparable-company analysis, discounted cash flow model, or valuation report.
Accounting, bookkeeping, audit, assurance, tax, legal, regulatory, or investment advice.
Investor introductions, fundraising representation, or fundraising support.
Ongoing financial advisory services.
Implementation of recommendations.
Review of a materially revised or replacement financial model submitted after the review has begun.
Additional calls, written revisions, or follow-up work beyond the included debrief call.
Additional financial modeling, valuation, or advisory work may be agreed separately under a new scope of work.
4. Client Responsibilities
The client must provide:
A working and accessible version of the financial model in Excel, Google Sheets, or another format accepted by Finro.
A completed intake form.
Accurate and sufficiently complete information regarding the company, business model, operations, revenue model, and fundraising plans.
Any supporting information or clarification reasonably required to complete the review.
The client confirms that:
they have the authority and necessary permissions to submit all materials provided;
the submitted materials do not infringe the intellectual property or confidentiality rights of any third party.
The client is responsible for maintaining backup copies of all submitted materials.
Finro is not responsible for inaccuracies, omissions, or conclusions arising from incomplete, inaccurate, outdated, or misleading information supplied by the client.
5. Complete Submission and Delivery Timeline
The five-business-day delivery period begins only after Finro has received:
Full payment.
The completed intake form.
An accessible copy of the financial model.
Any additional information reasonably required to begin the review.
Finro will notify the client if the submission is incomplete or the financial model cannot be accessed.
Finro aims to deliver the written review memo within five (5) business days after the submission is complete.
Delivery may reasonably be extended where:
access to the model is delayed or withdrawn;
required information or clarification is not provided promptly;
the submitted model materially differs from the description provided during purchase; or
events outside Finro’s reasonable control affect delivery.
Any revised delivery timeline will be communicated to the client.
6. Revised Models and Additional Information
The client may provide minor clarifications or supporting information where requested by Finro during the review.
A materially revised or replacement financial model submitted after the review has begun is not automatically included within the agreed scope.
Finro may:
continue reviewing the original submitted model;
agree to review the replacement model under an adjusted timeline; or
propose a revised scope and additional fee.
No additional work will begin without the client’s agreement.
7. Written Review and Debrief Call
The written review memo is based solely on the financial model and supporting information accepted by Finro at the start of the review.
Following delivery of the memo, the client may schedule one 45-minute remote debrief call.
The purpose of the call is to:
explain the principal findings;
clarify the prioritized recommendations;
discuss issues likely to arise during investor review; and
answer questions relating directly to the written review.
The call does not include live spreadsheet editing, implementation work, or review of replacement models.
The debrief call should be scheduled within thirty (30) days of delivery of the written review.
At least 24 hours’ notice is required to reschedule. Finro may treat missed appointments or cancellations made with less than 24 hours’ notice as the included debrief call having been used.
8. Nature and Limitations of the Review
The Investor Readiness Review reflects Finro’s professional judgment based solely on the materials submitted by the client.
The review does not constitute:
an audit, assurance engagement, or certification;
accounting, tax, legal, regulatory, or investment advice;
a formal valuation unless separately agreed;
a recommendation to make or refrain from any investment or business decision;
confirmation that the financial model is complete or free from errors; or
a guarantee that investors will accept the financial model or its assumptions.
Financial models are based on assumptions regarding future events. Actual outcomes may differ materially from projected results.
The client remains solely responsible for all business and investment decisions.
9. Fees and Payment
The fee for the Investor Readiness Review is the amount displayed at checkout.
Payment must be completed before the client may submit the financial model for review.
The fixed fee applies only to the scope described in these Terms.
Unless expressly stated otherwise, the client is responsible for any applicable taxes, bank charges, currency conversion fees, or payment processing costs.
10. Refund Policy
Finro offers the following commercial refund policy in addition to any statutory rights available under applicable law.
If the client reasonably believes that the written review did not provide actionable insights consistent with the agreed scope, the client may submit a written refund request within forty-eight (48) hours after receiving the written review.
The request must:
be sent to info@finrofca.com;
identify the specific aspects of the agreed scope that the client believes were not delivered; and
be submitted before, or at the time of, scheduling the debrief call.
Finro will review the request and may first offer to address the identified concern. If the concern cannot reasonably be resolved, Finro may issue a partial or full refund.
A refund will not normally be available simply because:
the client disagrees with Finro’s professional conclusions;
the review identifies weaknesses in the financial model;
the client expected services outside the agreed scope;
incomplete or inaccurate information was submitted; or
the client materially revised the financial model after the review began.
Nothing in this section limits any statutory rights available under applicable law.
11. Consumer Cancellation Rights
This section applies only where the client purchases the service as a consumer and mandatory consumer protection legislation applies.
Consumers may have a statutory right to withdraw from the contract within fourteen (14) days, subject to applicable law.
Where the client expressly requests that Finro begin providing the service before the withdrawal period expires:
the client expressly requests early performance;
the client acknowledges that they may be required to pay for services performed before withdrawal; and
where permitted by law, the client acknowledges that the statutory withdrawal right may end once the service has been fully performed.
12. Confidentiality
Finro will treat the client’s financial model and business information as confidential.
Information may be disclosed only where reasonably necessary to:
provide the service;
use trusted technology, storage, communication, and payment providers;
engage professional advisers who are subject to confidentiality obligations; or
comply with applicable law or lawful requests from competent authorities.
Finro may retain submitted materials for record-keeping, legal compliance, and quality assurance purposes, subject to applicable data protection laws.
Finro will not publish the client’s identity, materials, or review findings without prior permission.
Personal data will be processed in accordance with Finro’s Privacy Policy and applicable data protection legislation.
13. Intellectual Property
The client retains ownership of all materials submitted for review.
Finro retains ownership of its methodologies, review frameworks, templates, processes, know-how, and all other intellectual property used in providing the service.
Following payment, the client may use the written review internally and may share it with professional advisers, shareholders, lenders, existing investors, and prospective investors for the client’s own business purposes.
The review may not be reproduced for commercial distribution, resold, or presented as the client’s own work without Finro’s prior written permission.
14. Force Majeure
Finro shall not be liable for delays or failure to perform its obligations where such delay or failure results from events beyond its reasonable control, including natural disasters, internet or telecommunications failures, cyber incidents, governmental actions, illness, labour disputes, or other unforeseen events.
Where reasonably possible, Finro will notify the client of any material delay and provide an updated delivery timeline.
15. Limitation of Liability
To the fullest extent permitted by applicable law, Finro’s total aggregate liability arising from the Investor Readiness Review shall not exceed the amount paid by the client for the service.
Finro shall not be liable for indirect, incidental, consequential, special, or investment-related losses, including loss of profit, loss of funding, loss of opportunity, or decisions made by investors or other third parties.
Nothing in these Terms excludes or limits liability that cannot legally be excluded under applicable law.
16. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by the laws of Malta.
Subject to any mandatory consumer protection rights applicable under law, the courts of Malta shall have exclusive jurisdiction over disputes arising from or relating to the Investor Readiness Review.
17. Order of Precedence
These Terms govern the Investor Readiness Review.
If any inconsistency exists between these Terms and information appearing on marketing pages, checkout pages, emails, intake forms, or other service descriptions, these Terms shall prevail unless Finro expressly agrees otherwise in writing.
Mandatory statutory rights remain unaffected.
18. Changes to These Terms
The version of these Terms accepted by the client at the time of purchase shall apply to that purchase.
Finro may update these Terms for future purchases. Such updates will not retrospectively affect existing engagements unless required by law or agreed by both parties.
19. Acceptance of Terms
By purchasing the Investor Readiness Review and submitting the intake form, the client confirms that they:
have read and understood these Terms and Conditions;
agree to be bound by them;
are authorised to purchase the service and submit the materials provided; and
understand the fixed scope of the service and the activities that are expressly excluded.