Terms of Use

Please read all of the following terms and conditions of use (“Terms of Use”), which govern your access and use of this website and related sites, products, and services provided by Sageworks (collectively, “Products”). By continuing to access or use the Products, you signify your acceptance of these Terms of Use. You also hereby acknowledge that you have read and understand the Privacy Policy and consent to Sageworks’ collection and use of your personal information as set out therein. If you do not agree to the Terms of Use or Privacy Policy, you may not access or use the Products at any time. These Terms of Use are in addition to the specific terms and conditions that may apply to the products and services provided by Sageworks to you.

It should not be used, however, for the following purposes without review by financial professionals:

  • Loan Decisions – Sageworks provides objective, quantifiable ratios and can make loan approval recommendations based on rules established by the institution. However, you should use Sageworks in conjunction with review by experienced analysts who understand credit risk at the institution.
  • Major Capital Purchase Decisions – Before adding fixed assets to a company, the principals of the company should give the investment serious consideration. Sageworks is only one solution that you or the principals of the company can use in combination with other analytical tools and the advice of competent professionals such as accountants and bankers.
  • Investment Decisions – While Sageworks can be helpful as part of an investment decision, you should not rely solely on Sageworks (or any expert system) for making an investment decision. Please do not do so – use our reports in conjunction with other investment advice, information, and tools.

Sageworks and/or its subsidiaries will not be responsible for the content of any Sageworks report where: