Effective date: June 1, 2026 · Governing law: New York State · These terms apply to smbindextools.com
These are free educational tools based on publicly available financial frameworks. They are not financial advice. Do not make major financial decisions based solely on their output. Consult a qualified professional. We make no guarantee that outputs are correct. Use at your own risk.
SMB Index Tools provides free online calculators and assessment tools across multiple business topics — including cash flow, cybersecurity, compliance, and AI readiness — for informational and educational purposes only. Each tool applies recognised, standard methodologies appropriate to its subject (for example, GAAP-consistent financial ratios for cash flow tools and established risk-assessment frameworks for security and compliance tools) to the inputs you provide.
Tool outputs are estimates based on the data you enter. They are not financial, accounting, tax, investment, insurance, legal, employment, marketing, cybersecurity, or compliance advice. SMB Index Tools is not a registered investment adviser, broker-dealer, accounting firm, law firm, licensed insurance producer, or security or compliance auditor.
We make reasonable efforts to ensure that calculations are accurate and methodologies are correctly implemented. However, we make no warranty — express or implied — as to the accuracy, completeness, or fitness for a particular purpose of any tool output. Actual results will differ from projections based on factors outside any model's scope.
To the maximum extent permitted by applicable law, SMB Index Tools, its operators, and contributors shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or reliance on, any tool or its output — including but not limited to financial loss, business loss, or loss of data. Your sole remedy for dissatisfaction with the tools is to stop using them.
Before making any financial, investment, or business decision, consult a qualified professional. For free small business mentoring and financial guidance, provides access to experienced volunteer mentors at no cost, through a Cooperative Agreement with the US Small Business Administration.
The underlying methodologies implemented in these tools — such as standard financial ratios, cash flow methods, and established security and compliance frameworks — are public-domain standards. The specific implementation, user interface, design, copy, and structure of this site are the property of SMB Index Tools. Do not reproduce the site design, copy, or tool implementations without permission.
These Terms are governed by the laws of the State of New York, without regard to conflict of law provisions. Any dispute arising from use of this site shall be resolved in the courts of New York State.