Terms & Conditions

1. About This Service

US Business Funding Climate Score (the “Service”) is a free, publicly accessible financial data and analysis tool operated at usfundingclimate.com. The Service provides a daily composite score (0–100) reflecting general US macroeconomic conditions as they relate to small business credit access, derived from publicly available Federal Reserve Economic Database (FRED) data. The Service is provided for educational and informational purposes only.

2. Not Financial Advice

Nothing on this website constitutes financial advice, investment advice, legal advice, or any other form of professional advice. The Funding Climate Score and all written analysis describe general macroeconomic conditions only. They do not account for your personal financial situation, business performance, creditworthiness, or individual funding needs.

Always consult a licensed financial advisor, banker, or SBA-approved lender before making any borrowing, investment, or financial decision. We are not a bank, broker-dealer, investment advisor, or financial institution of any kind.

3. Permitted Use

4. Intellectual Property

All original content on this site — including but not limited to the scoring methodology, written analysis, blog posts, graphics, and site design — is the intellectual property of US Business Funding Climate Score and is protected by applicable copyright law.

Economic data sourced from the Federal Reserve Economic Database (FRED) is in the public domain. Attribution to the Federal Reserve Bank of St. Louis is included where applicable.

5. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We do not warrant that:

• The site will be uninterrupted, error-free, or free of viruses or other harmful components
• The economic data displayed is current, complete, or accurate at all times
• The Funding Climate Score will accurately predict lending availability for any specific business
• The written analysis is free from errors or omissions

Some FRED data series (specifically C&I Lending Standards) are released quarterly and may be 1–3 months behind the current date. See our Methodology page for full details on data lag.

6. Limitation of Liability

To the fullest extent permitted by applicable law, US Business Funding Climate Score and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of, or inability to use, this website or its content — including but not limited to losses resulting from reliance on information published here in connection with any borrowing, investment, or business decision. Your use of this site is entirely at your own risk.

7. Third-Party Links and Advertising

This site displays advertisements served by Google AdSense and may contain links to third-party websites. We do not control, endorse, or accept responsibility for the content, privacy practices, or accuracy of any third-party site. Clicking a third-party link is done at your own risk.

Advertising relationships do not influence the Funding Climate Score calculation or the editorial independence of our analysis.

8. AI-Generated Content

Written analysis and blog posts on this site are produced with the assistance of artificial intelligence language models. While we fact-check all AI-generated content against underlying FRED economic data before publication, AI-generated text may contain errors or omissions. The Funding Climate Score itself is calculated by a deterministic, rule-based algorithm with no AI involvement. See our Methodology page and Legal & Disclosures for full transparency.

9. Privacy

Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. When we do, we will update the “Last updated” date at the top of this page. Continued use of the site after any changes constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the United States. Any disputes arising from your use of this site shall be resolved under applicable US federal and state law.