Terms of Service

1. Educational Purpose Only

CarryForward provides educational tools and estimation services designed to help individuals understand carried interest, fund economics, and related financial concepts. Nothing on this platform constitutes legal, financial, tax, or investment advice. Our calculators produce directional estimates based on the inputs you provide and simplified models of complex financial instruments. You should consult qualified professionals — attorneys, CPAs, financial advisors, and certified valuators — before making any financial or legal decisions.

2. User Responsibilities

You are responsible for the accuracy of the data you provide to CarryForward. Our estimates are only as good as the inputs they receive. You agree not to use the platform for any unlawful purpose, and you acknowledge that you are providing information voluntarily. You must be at least 18 years old to use this service. You are responsible for maintaining the confidentiality of your account credentials.

3. Data Handling

We do not aggregate data across users, and we do not use your financial inputs to train models or generate insights for other customers. You can delete your data at any time. How and where your data is stored, which outside companies handle it, and exactly what deletion does and does not reach are all set out in our Privacy Policy — please read it, because it is specific and it matters.

4. Limitation of Liability

CarryForward estimates are directional and are not guaranteed to be accurate. Carried interest valuations depend on fund performance, partnership agreements, tax law, and numerous other variables that our models simplify. CarryForward, its founders, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the platform or reliance on any estimates or educational content provided. The platform is provided "as is" and "as available" without warranties of any kind, express or implied.

5. Intellectual Property

All content, designs, text, graphics, calculators, and software on CarryForward are the intellectual property of CarryForward and are protected by copyright and trademark law. You may not reproduce, distribute, or create derivative works from any content on this platform without prior written permission. Your data remains yours — we claim no ownership over the information you provide.

6. Account Termination

We reserve the right to suspend or terminate your account if you violate these terms, use the platform in a manner that could harm other users or the integrity of the service, or engage in any fraudulent activity. You may cancel your account at any time. Cancelling your account does not by itself erase your workbook — most of it lives in your own browser. To clear it, use "Delete all my data" in Settings on every device you have used, and see our Privacy Policy for the small amount of data that reaches our servers and how to have it removed.

7. Changes to These Terms

We may update these terms from time to time. When we do, we post the change here and update the "Last updated" date at the top of this page. We do not currently have email notifications set up, so please check that date rather than waiting to hear from us. Continued use of the platform after changes constitutes acceptance of the revised terms.

8. Governing Law

These terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts of the State of California.

9. What You Take Responsibility For

You agree to hold CarryForward harmless — meaning you will not hold us responsible, and you will cover our reasonable costs if a claim is brought against us — for claims that arise from three things that are in your hands, not ours:

• How you use the platform. Including what you do with an estimate, a report, or a scenario once you have it.
• The accuracy of what you enter. We cannot verify the figures, terms, or fund details you type in. Our estimates are built on them, so if they are wrong, the output is wrong.
• The documents you upload. Including any document covered by a non-disclosure or confidentiality agreement, and any consequence of uploading it.

That last one is the reason we put a checkbox in front of every upload. Before any document reaches us, you have to confirm that you have talked to your attorney about whether your NDA applies in a family law context, or that you otherwise have the right to share the document for your own financial planning. There is no way around that gate, and we mean it as a genuine pause rather than a formality. Whether a confidentiality provision binds you in your circumstances is a legal question. We cannot answer it and we do not try to.

This does not cover our own wrongdoing. If a claim arises from something CarryForward did — not from your use, your data, or your documents — this section does not apply to it.

10. Subscriptions, Cancellation, and Refunds

Paid plans bill monthly. You can cancel at any time, for any reason, and you do not have to tell us why. Cancellation takes effect at the end of the billing period you have already paid for — you keep full access until then, and we do not bill you again after that.

We do not offer partial or pro-rated refunds for the remainder of a billing period. If you cancel on day three of a month you have paid for, you keep the rest of that month; you do not get the unused portion back.

To cancel: go to Settings, then Manage billing, which opens your subscription in Stripe. If that page is unavailable or you cannot reach it, get in touch through our contact page and we will cancel it for you. Do not let a broken page keep you subscribed.

11. Beta Program

CarryForward is in beta. That is not a marketing word here — it describes real limits you should know about before you rely on anything. Features may change, move, or be withdrawn. We make no uptime commitment and cannot guarantee the platform will be available when you need it. Our fund and company research coverage is incomplete and expanding, which means some funds have deep per-company detail and others fall back to broad industry benchmarks with much wider confidence bands. Treat every figure as directional, and take it to your own forensic accountant and attorney before you rely on it for anything.

Beta changes none of this: how we handle your data, who else touches it, and what deletion does are exactly what our Privacy Policy says they are. Those commitments apply in full during beta. We will not treat your information as more disposable because the product is early.

Questions about these terms? Reach us through our contact page.