Important disclaimer

The MSOF tools and reports are free, general educational and planning resources. They are not audits, independent valuations, due diligence, expert opinions, assurance reports or regulated professional advice. No professional adviser-client relationship is formed by using the website.

Figures depend on the inputs and simplified methods described in each tool. Forecasts, stress tests, conversion ratios, budgets, working capital calculations, scores and suggested thresholds are illustrative and may omit material facts, obligations, costs and risks. A budget divided by targeted enquiries is a planning ratio, not an observed cost of acquiring a customer.

The website cannot verify the accuracy or completeness of your business information, detect every risk or predict future outcomes. Confirm assumptions against your own records and seek appropriate accounting, tax, legal, funding, technical or other specialist support.

Optional AI advice in M-02 and M-04 is generated from the information you submit. It may reflect incorrect assumptions, unsupported market claims or commercially unsuitable suggestions. Proposed customer segments, channel choices, spending allocations and outcomes are hypotheses for validation—not verified facts, guarantees or independent research.

Do not publish AI-generated marketing, compliance or performance claims without substantiating them. Review any proposed outreach against applicable privacy, electronic marketing and advertising requirements.

Review reports critically and consider your business circumstances, market evidence, capacity and risk appetite. Seek independent professional guidance before material borrowing, investment, staffing, contractual, acquisition or disposal decisions. The service is supplied in good faith, without guarantees of specific results, subject always to rights and liabilities that cannot legally be excluded.

Read the Privacy Notice for the distinction between local report generation and optional AI processing. Read the Terms of Use for permitted use, service limitations and your statutory rights.