By using ClaritySMEFinance ("the Service"), you agree to these Terms of Service. If you do not agree, please do not use the Service.
ClaritySMEFinance is a free, educational financial forecasting and analysis tool for small business owners and entrepreneurs. It uses algorithmic analysis based on a dataset of anonymized SME financial records to generate financial health assessments, forecasts, and recommendations. The Service is provided as part of academic research at Campbellsville University.
The analyses, forecasts, recommendations, and insights provided by ClaritySMEFinance are for educational and informational purposes only. They do not constitute:
You should not make major financial decisions based solely on ClaritySMEFinance outputs. Always consult qualified professionals for decisions involving significant money, legal obligations, or long-term commitments.
Financial forecasts are inherently uncertain. ClaritySMEFinance forecasts are estimates based on the information you provide and statistical patterns in our dataset. Actual outcomes may differ materially from projections. We make no warranty, express or implied, regarding the accuracy, completeness, or fitness for any particular purpose of any forecast or analysis.
You are solely responsible for the accuracy of information you enter. ClaritySMEFinance is not responsible for errors or omissions in your inputs or any consequences arising from inaccurate data.
If you consent to data collection, you grant ClaritySMEFinance a non-exclusive, royalty-free license to use your anonymized, aggregated data for research and service improvement purposes, as described in our Privacy Policy.
The ClaritySMEFinance application, its design, algorithms, and content are the intellectual property of Albert Gomes. The SME Financial Dataset underlying the benchmarks was constructed by Albert Gomes as part of EB-2 NIW academic research. All rights reserved.
To the maximum extent permitted by law, ClaritySMEFinance and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of the Service or reliance on any analysis or forecast provided.
We encourage users to supplement ClaritySMEFinance with free professional resources:
We reserve the right to modify these terms at any time. Continued use of the Service after changes constitutes acceptance of the new terms.
These terms are governed by the laws of the State of New York, United States, without regard to conflict of law provisions.
Questions about these terms: hello@claritysmefinance.app
ClaritySMEFinance · Academic Research Tool · Albert Gomes NIW Research · 2025