BLACK DOLLAR INDEX
Terms & Conditions of Use
Effective Date: February 22, 2026 | blackdollarindex.com
These Terms and Conditions (“Terms”) govern your access to and use of the tools, calculators, content, and services (collectively, the “Services”) provided by For the Equity Marketing & Consulting, LLC (“For the Equity,” “we,” “us,” or “our”) through blackdollarindex.com, operating as the Black Dollar Index platform. By accessing or using any part of the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.
1. Acceptance of Terms
By using the Services, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement. Use of the Services constitutes your full acceptance of these Terms and our Privacy Policy, which is incorporated herein by reference.
2. Description of Services
Black Dollar Index provides consumer financial empowerment tools, corporate equity research data, and advocacy resources. The Services include:
Free Tools: Corporate Equity Scorecards, Black Franchise Index, and other publicly available resources accessible without a subscription.
Premium Tools: The Budget Health Calculator, Loan Fairness Audit, Cost of Loyalty Calculator, and other tools available through a paid subscription at $24/year (“BDI Power Suite”).
Research & Advocacy Data: Anonymized, aggregated data collected through tool usage to support economic equity research conducted by the Black Dollar Initiative.
3. Informational and Educational Purpose Only
The Services are provided for informational and educational purposes only. Nothing on this platform constitutes financial, investment, legal, tax, or credit advice. All results are hypothetical estimates based on user-provided data and do not guarantee future financial outcomes.
You should always consult a qualified financial advisor, attorney, tax professional, or licensed lender before making any significant financial decision. For the Equity Marketing & Consulting, LLC, operating as Black Dollar Index, is not a licensed financial institution, investment advisor, credit counselor, or legal services provider.
4. Data Collection and Advocacy Use
When you use our financial calculators and tools, you may provide data including but not limited to:
- Zip code
- Race and ethnicity
- Gender
- Income bracket or estimated income
- Budget and expense breakdowns
- Debt amounts and payment information
Anonymous Collection: We do not collect your name, email address, IP address, or any information that directly identifies you when you use the free tools without creating an account. The data described above is collected anonymously.
Purpose of Collection: Anonymized data is aggregated and used solely to support economic equity research and advocacy conducted by Black Dollar Index and the Black Dollar Initiative nonprofit. This includes identifying financial stress patterns across communities, informing public policy advocacy, and publishing aggregate research reports.
What We Do Not Do: We do not sell your individual data. We do not share your data with lenders, credit bureaus, debt collectors, or advertisers. We do not use your data for targeted advertising or marketing.
Quasi-Identifying Data Notice: While no individual field identifies you, we recognize that combinations of zip code, demographic information, and financial data may be quasi-identifying in small geographic or demographic groups. We apply minimum sample size thresholds before publishing any aggregated data to protect against re-identification.
Mission-Aligned Partners: We may share aggregated, non-identifiable research findings with mission-aligned advocacy organizations and research institutions. Individual records are never shared.
Data Storage: Data is stored securely via Supabase. Please review our Privacy Policy at blackdollarindex.com/privacy for complete data handling details.
5. Premium Subscription Terms
Access to BDI Power Suite premium tools requires a paid subscription.
- Subscription fee: $24.00 per year, billed annually.
- Payment is processed through Stripe or PayPal via Paid Member Subscriptions.
- Subscriptions automatically renew unless cancelled before the renewal date.
- You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. No partial refunds are issued for unused subscription time.
- We reserve the right to modify pricing with 30 days written notice to subscribers.
6. User Accounts
Certain features of the Services require account registration. You agree to provide accurate information, maintain the security of your login credentials, and notify us promptly of any unauthorized account access. You are responsible for all activity that occurs under your account.
7. Acceptable Use
You agree not to:
- Use the Services for any unlawful purpose or in violation of any applicable regulation.
- Attempt to reverse-engineer, scrape, or reproduce the corporate equity database, scoring methodology, or proprietary research.
- Submit false or misleading data into any tool or calculator.
- Interfere with or disrupt the integrity or performance of the Services.
- Use automated means to access the Services without our prior written consent.
8. Intellectual Property
All content, tools, calculators, scoring methodologies, corporate equity data, design elements, and written materials on blackdollarindex.com are the property of For the Equity Marketing & Consulting, LLC or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
9. Disclaimer of Warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. FOR THE EQUITY MARKETING & CONSULTING, LLC, OPERATING AS BLACK DOLLAR INDEX, DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. WE MAKE NO WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY CORPORATE EQUITY DATA, CALCULATOR RESULTS, OR OTHER CONTENT.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, FOR THE EQUITY MARKETING & CONSULTING, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total liability to you for any claim arising from these Terms or the Services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or $50, whichever is greater.
11. Third-Party Links and Data Sources
The Services may reference or link to third-party websites, data sources, or resources including corporate reports, government data, and external tools. These links are provided for convenience and informational purposes only. Black Dollar Index does not endorse and is not responsible for the content, accuracy, or practices of any third-party sites.
12. Changes to These Terms
We reserve the right to update these Terms at any time. Material changes will be communicated via notice on our website or by email to registered subscribers at least 14 days before taking effect. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.
13. Termination
We reserve the right to suspend or terminate your access to the Services at our discretion, including for violation of these Terms, fraudulent activity, or actions that harm other users or the integrity of our mission and data.
14. Governing Law
These Terms are governed by the laws of the United States and the state in which For the Equity Marketing & Consulting, LLC is incorporated, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved through binding arbitration or in the courts of competent jurisdiction in that state.
15. Contact Us
If you have questions about these Terms, please contact us at:
For the Equity Marketing & Consulting, LLC
Operating as: Black Dollar Index
Website: blackdollarindex.com
Email: info@blackdollarindex.com
Black Dollar Index is committed to economic equity, data transparency, and community trust.
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