Master Service Agreement & Terms of Service

1. Scope of Work and Deliverables Services Provided: The Company agrees to provide financial services including Break-Even Analysis ($75/month), 12-Month Cash Flow Analysis ($110/month), and Full Financial Plans ($600/month).
   
   Business Bundle: Clients opting for the Business Bundle ($300/month) will receive all three core services.
   
   Accuracy of Data: The Client acknowledges that the Company’s work product—including Excel-based DCF models—is entirely dependent on the accuracy of the data provided by the Client. The Company shall not be held liable for any inaccuracies in final reports resulting from flawed Client data.
   
   
2. Payment Security & "No-Contest" ClauseTo ensure the Company is paid for all intellectual labor and professional insights:
   
   Advance Payments: All monthly service fees are due in advance of the service month.
   
   Late Fee & Interest: Payments not received by the due date shall accrue interest at a rate of 1.8% per month, compounded daily, or the maximum rate permitted by law.
   
   Acceleration of Fees: If the Client fails to pay any invoice when due, the Company reserves the right to "accelerate" the contract, making all remaining fees for the duration of the service term immediately due and payable.
   
   Debt Collection & Legal Fees: If the Company must initiate a collection action, the Client shall be responsible for all costs of collection, including but not limited to attorney fees, filing fees, and third-party collection agency commissions.
   
   
3. Professional Disclaimer & Non-Reliance
   
   Non-Fiduciary Status: Forlano Capital Insight provides financial modeling as a sophomore student at Widener University pursuing an investment banking career.
   
   Investment Risk: The Company’s services are for informational and planning purposes only. They do not constitute legal, tax, or investment advice.
   
   No Guarantee of Success: While the Company applies high-level academic knowledge (e.g., MIS-certified DCF models), the Company does not guarantee that the Client will secure funding, achieve profitability, or meet specific inancial benchmarks.
   
   
4. Intellectual Property Rights
   
   
Proprietary Models: All Excel workbooks, custom formulas, and financial frameworks used to generate analyses remain the exclusive property of Forlano Capital Insight.

Limited License: The Client is granted a temporary, non-transferable license to use the final reports for internal business operations only. The Client may not resell the Company's models or templates to third parties.


5. Indemnification & Limitation of Liability
   
   Client Indemnity: The Client agrees to indemnify, defend, and hold harmless Forlano Capital Insight from any claims, losses, or damages arising from the Client's use of the financial plans in pitches to investors or lenders.
   
   Liability Cap: In no event shall the Company's total liability exceed the total amount paid by the Client for the specific service giving rise to the claim.
   
   
6. Termination & Survival
   
   Notice Period: Either party may terminate this agreement with 30 days' written notice via email to slushymagic972@gmail.com.
   
   Survival of Debt: Termination of this Agreement does not relieve the Client of the obligation to pay any outstanding balances or fees accrued prior to the termination date.
   
   
7. Governing Law and Venue
   
   This Agreement shall be governed by the laws of the Commonwealth of Pennsylvania. Both parties agree that any legal proceedings arising from this contract shall be held exclusively in the Court of Common Pleas of Delaware County, Pennsylvania.
   
   

Acceptance