Terms of Use | Salt Creek Advisory

Last updated: August 10, 2026

These Terms of Use (“Terms”) govern your use of saltcreekadvisory.com (the “Site”), operated by Salt Creek Advisory LLC (“Salt Creek,” “we,” “us,” or “our”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Purpose of This Site

This Site is provided for general informational and marketing purposes, to help business owners, investors, and other visitors learn about Salt Creek Advisory and our M&A advisory services. Nothing on this Site is an offer to sell, or a solicitation of an offer to buy, any security, business, or interest in any business.

No Advisory Relationship Formed by This Site

Browsing this Site, submitting information through the valuation tool, downloading a guide, listening to the podcast, or exchanging emails with us does not create an advisory, brokerage, agency, fiduciary, attorney-client, accountant-client, or client relationship between you and Salt Creek. An engagement begins only once both parties sign a written engagement letter describing the specific scope of work, fees, and terms. Until that happens, any conversation, estimate, or informal guidance we provide is preliminary and non-binding.

What Sending Us Information Does and Does Not Do

Information you send us through this Site, including everything you enter into the valuation tool and anything you email us before an engagement begins, is sent voluntarily and on an unsolicited basis.

How we handle it. Jack and Connor personally review every valuation submission. We do not sell your information. We do not disclose it to buyers, lenders, or other transaction participants without your permission. We use a small number of service providers to deliver and store submissions, and our Privacy Policy names each of them. Those commitments are real and we keep them.

What it does not do. Sending us information does not create a contractual duty of confidentiality, an advisory or fiduciary relationship, or any other obligation on our part. It does not make you a client. It does not obligate us to respond, to take you on, or to keep working with you. Formal confidentiality protection begins when you and Salt Creek both sign a written non-disclosure agreement or engagement letter, and not before.

We advise many businesses at once. Salt Creek works with clients across many industries at the same time, and we may now or in the future advise, represent, or acquire businesses that compete with yours. Sending us information through this Site does not restrict that, does not give you any exclusivity, and does not disqualify us from any engagement.

If you want protection first, ask for it. Email jack@saltcreekadvisory.com and we will sign a mutual non-disclosure agreement before you send a single number. We do this routinely and we are glad to. Please do not send financial statements, customer lists, employee information, or trade secrets through this Site or by unencrypted email before that agreement is in place.

The Valuation Tool

Our valuation tool produces a directional, ballpark estimate based on general industry transaction multiples and the inputs you select. It is:

Not a formal business valuation, appraisal, or fairness opinion. A real valuation requires review of your actual financial statements, diligence, and professional judgment that a dropdown tool cannot replicate.
Not an offer, promise, or guarantee of what your business will sell for, or of any specific multiple, price, or outcome.
Not to be relied upon for financing, tax, accounting, legal, or transaction decisions. Actual outcomes depend on dozens of factors specific to your business, your industry, and market conditions at the time of a transaction, most of all whether buyers actually compete for your business.

We provide the tool as a starting point for a conversation, not a substitute for one.

Nothing Here Is Professional Advice

Everything on this Site is general educational and marketing information. That includes the articles, the FAQs, the podcast, the sector pages, the downloadable guides and one-pagers, the glossary, the valuation tool and every number it produces, and any email, message, or informal conversation with us before an engagement letter is signed.

None of it is legal, tax, accounting, financial, investment, valuation, appraisal, brokerage, or securities advice, and none of it is a recommendation to buy, sell, hold, or refrain from any business, security, or transaction. It is not a formal business valuation, an appraisal, a fairness opinion, a quality of earnings report, or a solvency opinion, and it must not be presented to a buyer, a lender, a court, a tax authority, or any other party as though it were.

Every business, industry, and transaction is different. Market conditions, tax law, securities law, licensing rules, and industry regulation all change, and content on this Site may be out of date by the time you read it. We do not undertake to update it. Before you act on anything you read here, retain your own attorney, accountant, tax advisor, and, where appropriate, a qualified valuation professional.

Calls and Text Messages

If you give us your phone number and check the consent box in the valuation tool, you agree that Salt Creek Advisory and anyone acting on our behalf may call and text that number about your estimate and our services, including by automatic telephone dialing system, prerecorded voice, or artificial voice. You do not have to agree to this to use the valuation tool, to receive your estimate, or to work with us. Message and data rates may apply. Message frequency varies. Reply STOP to any text to stop receiving texts, and HELP for help. You can withdraw consent at any time by emailing jack@saltcreekadvisory.com.

If you give us your phone number but do not check that box, we will use it only to return a call or message you started, and not for marketing.

Intellectual Property

The text, graphics, logos, and other content on this Site are owned by Salt Creek Advisory LLC or our licensors and are protected by copyright and trademark law. You may view and share content from this Site for personal, non-commercial purposes, but you may not reproduce, republish, or distribute it for commercial purposes without our prior written permission.

Links to Other Sites and References to Other Firms

This Site links to many websites, publications, and datasets operated by third parties, including government agencies, law firms, accounting firms, private equity firms, data providers, industry associations, and other mergers and acquisitions advisory firms, some of which compete directly with Salt Creek Advisory. We provide these links so you can check our sources.

We do not own, operate, control, endorse, or guarantee any linked site or any organization we name. A link is not an endorsement, a recommendation, a referral, or a statement that we have any relationship with the linked party. We are not responsible for the content, accuracy, availability, security, terms, or privacy practices of any linked site.

Where we describe another firm, we describe what that firm publishes about itself, what public records show, or what a cited source reports, in each case as of the date shown on that page. Firms change and records change, and we do not undertake to keep those descriptions current. Salt Creek competes with many of the firms named on this Site, and you should weigh what we say accordingly. If you believe we have described your firm inaccurately, email jack@saltcreekadvisory.com and we will review it promptly.

Disclaimer of Warranties

THE SITE, THE VALUATION TOOL, THE ARTICLES, THE PODCAST, THE DOWNLOADABLE GUIDES, AND ALL OTHER CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, SALT CREEK ADVISORY LLC DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, AND STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY OF ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT, DATA, MULTIPLE, RANGE, ESTIMATE, OR MARKET FIGURE APPEARING ANYWHERE ON THE SITE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. NO ADVICE OR INFORMATION OBTAINED FROM SALT CREEK OR THROUGH THE SITE CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE.

Some states do not allow the exclusion of certain implied warranties, so parts of the paragraph above may not apply to you. In that case those exclusions apply to the maximum extent your state’s law permits.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SALT CREEK ADVISORY LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR RELIANCE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITY, LOST SALE, DIMINUTION IN BUSINESS VALUE, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THE SITE, THE VALUATION TOOL, ANY ARTICLE, GUIDE, OR PODCAST EPISODE, OR ANY DECISION MADE OR NOT MADE IN RELIANCE ON ANY OF THEM, WHETHER THE CLAIM IS BROUGHT IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT WE WERE ADVISED SUCH DAMAGES WERE POSSIBLE.

IN NO EVENT WILL THE TOTAL AGGREGATE LIABILITY OF SALT CREEK ADVISORY LLC AND THE PARTIES LISTED ABOVE, FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS, EXCEED ONE HUNDRED U.S. DOLLARS ($100.00) OR THE AMOUNT YOU PAID US FOR ACCESS TO THE SITE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, WHICHEVER IS GREATER. THE SITE IS PROVIDED FREE OF CHARGE, AND THIS LIMIT REFLECTS THE ALLOCATION OF RISK THE PARTIES AGREED TO IN EXCHANGE FOR FREE ACCESS. THIS LIMIT APPLIES EVEN IF A REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

Nothing in these Terms limits liability that cannot be limited by law, including liability for fraud, fraudulent misrepresentation, willful or wanton misconduct, or death or personal injury caused by negligence. Some states do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you, and in that case our liability is limited to the greatest extent your state’s law permits.

Indemnification

You agree to defend, indemnify, and hold harmless Salt Creek Advisory LLC and its members, managers, officers, employees, contractors, and agents from any claim, demand, action, loss, liability, damage, judgment, settlement, cost, and expense, including reasonable attorneys’ fees, arising out of or relating to: (a) your use of the Site in a way these Terms do not permit; (b) your breach of these Terms; (c) your violation of any law or of the rights of any third party; (d) any information you submit through the Site; or (e) your reproduction, republication, or distribution of content from the Site. We may assume the exclusive defense of any such matter at your expense, and you will not settle it without our prior written consent. This section survives termination.

Governing Law, Venue, and Time Limit on Claims

These Terms and any dispute arising out of or relating to them or to your use of the Site are governed by the laws of the State of Illinois, without regard to its conflict of laws rules.

You and Salt Creek agree that the exclusive venue for any such dispute is the state courts of Cook County, Illinois, or the United States District Court for the Northern District of Illinois, Eastern Division. You consent to the personal jurisdiction of those courts and waive any objection based on venue, inconvenient forum, or lack of personal jurisdiction.

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND SALT CREEK EACH WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE.

Any claim arising out of or relating to these Terms or the Site must be filed within one year after the claim arises, except where applicable law does not permit shortening the limitations period.

Changes to These Terms

We may update these Terms from time to time. We will update the “Last updated” date above when we do, and for material changes we will post notice on this page at least 30 days before they take effect. Continued use of the Site after a change takes effect means you accept the revised Terms. Changes are not retroactive. The version of these Terms in effect when you used the Site governs anything that happened at that time.

General

If any provision of these Terms is held unenforceable, that provision will be limited or removed to the minimum extent necessary and the rest of these Terms will remain in full force. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms without our written consent, and we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with our Privacy Policy, are the entire agreement between you and Salt Creek regarding the Site. The sections covering submissions, warranties, liability, indemnification, and governing law survive any termination.

Contact Us

Questions about these Terms can be directed to jack@saltcreekadvisory.com or connor@saltcreekadvisory.com.

See also our Privacy Policy and Accessibility Statement.