Terms of Service

Last updated: March 2026

Agreement to Terms

By accessing or using the Clarity Impact Finance website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website. These terms apply to all visitors, users, and others who access the site.

Description of Services

Clarity Impact Finance is a strategic consulting firm that works with Community Development Financial Institutions (CDFIs) and mission-driven lenders. Our website serves as an informational resource about our consulting services, which include:

• Treasury strategy and balance sheet optimization
• Fund structuring and capital strategy
• AI implementation for lending operations
• Underwriting and credit analysis
• New Markets Tax Credit (NMTC) advisory

The website also provides a contact form for inquiries and an NMTC financial model tool for informational purposes.

Actual consulting engagements are governed by separate written agreements between Clarity Impact Finance and each client. Nothing on this website creates a client relationship or constitutes a binding offer of services.

Intellectual Property

All content on this website — including text, graphics, logos, design, layout, tools, and financial models — is the property of Clarity Impact Finance and is protected by applicable intellectual property laws.

You may view and reference our website content for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written permission from Clarity Impact Finance.

Outputs generated by the NMTC model tool are provided for your informational use, but the underlying model, methodology, and design remain the intellectual property of Clarity Impact Finance.

Use of Website

You agree to use our website only for lawful purposes and in a manner consistent with these terms. Specifically, you agree not to:

• Use automated tools, scrapers, or bots to extract content or data from the site
• Copy, reproduce, or redistribute website content or tool outputs for commercial purposes
• Attempt to reverse-engineer, decompile, or disassemble any tools or models on the site
• Misuse the contact form by submitting spam, false information, or unsolicited commercial messages
• Attempt to interfere with the proper functioning of the website or its infrastructure
• Use the website in any way that could damage, disable, or impair our services

NMTC Model & Financial Tools

This is important — please read this section carefully.

The NMTC financial model and any other analytical tools available on our website are provided strictly on an "as is" basis for informational and educational purposes only. They are designed to help users explore general concepts related to NMTC deal structuring.

These tools are not financial advice. They do not account for the full complexity of actual NMTC transactions, which involve specific legal, tax, regulatory, and market considerations that vary by deal.

Specifically:

• Model outputs are illustrative and should not be relied upon for actual investment, lending, or structuring decisions
• Results may not reflect current market conditions, tax law interpretations, or CDFI Fund requirements
• The tools are not a substitute for professional judgment from qualified attorneys, accountants, or financial advisors
• We make no warranty or representation regarding the accuracy, completeness, or reliability of any model outputs
• Any decisions made based on these tools are made at your own risk

If you are structuring an actual NMTC transaction, we strongly recommend engaging qualified professionals — and we're happy to help through a formal consulting engagement.

Disclaimer of Warranties

This website and all content, tools, and materials available on it are provided "as is" and "as available" without warranties of any kind, whether express or implied.

Clarity Impact Finance does not warrant that:

• The website will be available at all times or free from errors or interruptions
• The content is accurate, complete, current, or free from errors
• Any defects or errors will be corrected
• The website is free from viruses or other harmful components

To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by applicable law, Clarity Impact Finance and its founder, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, business opportunities, or goodwill — arising from your use of or inability to use the website, its content, or any tools available on the site.

This limitation applies regardless of the legal theory under which damages are sought, whether in contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.

Professional Advice Disclaimer

Nothing on this website constitutes financial, legal, tax, investment, or professional advice. The content on our site is informational in nature and intended to provide a general overview of our consulting services and areas of expertise.

Any consulting services provided by Clarity Impact Finance are delivered under separate contractual agreements with specific terms, scope, and deliverables. The existence of this website does not create an advisor-client relationship between you and Clarity Impact Finance.

For specific guidance on CDFI operations, NMTC transactions, fund structuring, or any other financial matters, you should consult with qualified professionals who can assess your particular circumstances.

Third-Party Links

Our website may contain links to third-party websites, articles, or resources — such as LinkedIn posts, industry publications, or regulatory agencies. These links are provided for convenience and reference only.

Clarity Impact Finance does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Accessing third-party links is at your own risk, and we encourage you to review the terms and privacy policies of any external sites you visit.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of the website shall be resolved in the state or federal courts located in California.

Changes to These Terms

We may update these Terms of Service from time to time to reflect changes in our practices, services, or applicable law. When we make changes, we'll update the "Last updated" date at the top of this page.

Your continued use of the website after any changes constitutes your acceptance of the updated terms. We encourage you to review this page periodically to stay informed.

Contact Us

If you have any questions about these Terms of Service, please reach out:

Clarity Impact Finance
Amir Ali, CFA — Founder
amir@clarityimpactfinance.com