Terms of service

FundStamp is operated by FiBase Inc., a Delaware corporation. These terms apply to your use of fundstamp.com and the FundStamp service. By creating an account or publishing a verification, you agree to them.

Effective September 7, 2026.

What the service is

FundStamp lets a prospective buyer of a privately held business establish what funds they hold that are usable for an acquisition, and share a limited, point-in-time statement of that capacity with a broker or seller. It is intended for acquisition qualification only.

There are two ways to establish a balance, and a verification page may use either or both. The account holder may connect an institution, in which case FundStamp reads the balances directly through a data provider after they complete a credentialed sign-in. Or they may upload an account statement, in which case FundStamp reads the figures out of the document they supplied. Each verification page states which of the two it rests on, per account.

What the service is not

FundStamp is not a bank, broker-dealer, lender, escrow agent, investment adviser or consumer reporting agency. It does not perform government-ID verification against any authority or database, and does not provide income or employment verification, credit reports, accredited-investor verification, or financing qualification. Nothing on a verification page is a commitment of funds or a recommendation.

A FundStamp verification page is furnished for one purpose: evaluating a prospective commercial business acquisition. You may not use it, in whole or in part, as a factor in establishing any person's eligibility for credit, insurance, employment, housing or tenancy, or any other purpose for which the Fair Credit Reporting Act permits a consumer report to be used. If you are a lender, a landlord or a franchisor, do not rely on this page: ask the buyer for the documentation your own process requires.

Where a buyer asks an equity investor to show that they are a different person, FundStamp establishes one thing and states no more than it: whether the buyer’s name is absent from a document the investor supplied. That is not identity verification, it does not establish who the investor is, and it is not represented as either.

Files you upload are processed through the APIs of Anthropic, OpenAI, Google Cloud, Mistral, and no other AI provider. As of August 28, 2026, none of them uses API inputs or outputs to train their models under the terms we operate on. Providers may change their terms after that date — you can read the current versions using the links below. Their terms and privacy policies are incorporated here by reference: Anthropic — terms and privacy policy; OpenAI (used only if Anthropic is unavailable) — terms and privacy policy; Google Cloud (used only for scanned or photographed documents, and only where it is configured; where it is not, Anthropic transcribes them instead) — terms and privacy policy; Mistral (used only if Google Cloud is configured and cannot read the document) — terms and privacy policy.

What each of them keeps, as of August 28, 2026: Anthropic deletes what it receives within 30 days, and keeps it longer only where its own systems flag a policy violation; OpenAI keeps abuse-monitoring logs for up to 30 days, then deletes them; Google Cloud keeps no copy of the image: on the synchronous endpoint this product uses, Vision processes it in memory and does not write it to disk, though Google does log the time and size of the request for a period it does not state; Mistral keeps nothing beyond returning the result: we hold Zero Data Retention on this account.

We do not keep the statements you upload. From a PDF we read the text out on our own servers and destroy the file before anything else happens, so the document itself never leaves them. A photo or a scan has no text to read, so the image is sent to an OCR provider named below, which returns the text; what each of those providers keeps, and for how long, is set out beside their names. Either way we hold nothing afterwards, the file is never part of what a broker sees, and it is shared with nobody else.

A lender or investor support letter is treated differently, and it is the only document FundStamp keeps. Where the account holder uploads one, FundStamp reads the financing figure from it, publishes that figure only where the sentence containing it is located in the document itself, shows that sentence on the verification page, and lets recipients download the letter. A confirmation from the issuer is not required for a letter to count, and is offered as an additional step rather than a precondition. The letter is deleted when the account holder deletes their account or the claim, and if the person who wrote it withdraws.

Where a figure was read from an uploaded statement, FundStamp does not assess whether that document is genuine, and does not hold it. What is established is the figure as printed and the name as printed. Where a statement is in the name of a company or a trust, the account holder’s connection to it is what they told us; FundStamp does not verify ownership of a business or entitlement under a trust, and the verification page says so beside the account it applies to.

Your responsibilities as an account holder

• Connect only accounts you own or are authorized to connect.
• Upload only statements for accounts you own or are authorized to represent, exactly as your institution issued them. Do not alter a statement before uploading it.
• Upload only a support letter actually issued to you, exactly as the issuer produced it. Recipients can download what you upload, so the document travels with your name on it.
• Answer accurately when asked how you connect to a company or trust named on a statement.
• Publish only your verified total, or a threshold at or below it.
• Share links only with parties you intend to receive them.
• Revoke a link when the recipient no longer needs it.

Links, and how long they last

A link you publish does not expire. It stays open until you switch it off, and the page it shows states the date its figures were verified. You can switch a link off, or change what it shows before anyone has opened it, from the email that delivered it; you do not need an account to do so. Everything else, including deleting what you uploaded, needs an account. If you have lost that email and have no account, write to support with the link.

For recipients

FundStamp displays only the financial claim authorized by the account holder. It does not guarantee that assets remain available, reserve funds for a transaction, or guarantee that a buyer will complete an acquisition. Treat a FundStamp link as preliminary qualification, not as a substitute for the diligence you would normally do at closing.

There is one use restriction and it applies to every recipient. It is set out above under “What the service is not”.

What is established differs by route, and the page states which applies to each account rather than averaging them. For a connected institution, what is established is that the account holder completed a credentialed sign-in there and what the balances were when they were read; the name on the page is theirs to supply and is not checked against anything. For an uploaded statement, what is established is the figure and the holder name as printed on the document they supplied; no sign-in occurred, and FundStamp does not assess whether the document is genuine.

Plans and billing

Connecting your accounts, seeing your own verified figure, and previewing the page a recipient would open are free, and no payment method is asked for.

A verification built only from uploaded statements is free, with no time limit. Nothing was retrieved from a financial institution on your behalf, so there is no recurring cost behind it and nothing to renew. A link of that kind keeps working whatever else you do with your account later.

Connecting your accounts is also free, with no time limit. There is no trial, no window that ends, and no payment method is requested at any point. You may publish an unlimited number of links, viewed an unlimited number of times, add or remove institutions, and read your balances again as often as you like, at no cost. No card is stored, because there is nothing to charge it for.

What we do limit is volume, not access. One account may attach up to ten institutions in a day, and may do a bounded amount of verification work in a day, a week and a month. The limits are set far above what verifying a real acquisition requires; if you reach one you are told which, and when it lifts. Anything you have already published stays live throughout.

If we ever charge for something here, links you have already sent keep working. What a link costs is fixed when the link is made, so a price introduced later applies to new verifications and not to one a recipient already holds.

Either way, the links you have already sent keep working and show the new figure. Where the balances are current enough to back a renewal, the figure behind those links is simply given a fresh 180 days. Where they are not, and you sign in again to publish a current figure, links you have already sent are moved onto that figure automatically. In both cases the link itself is unchanged and a recipient holding one needs nothing new from you. The one exception is a link stating that you hold at least a figure your new total does not reach: it is left showing nothing rather than moved, because moving it would publish a statement that is no longer true, and it is never quietly reduced. The date the balances were read is shown on every verification, and for an uploaded statement the statement’s own date, so a recipient always knows how current the figure in front of them is.

Separately, and regardless of any fee: balances retrieved more than 90 days ago do not count towards a newly published verification, and no link may be created from financial data more than 270 days old — 90 days of permitted age at the time of publishing plus the 180 days a verification may then run. Data older than that cannot honestly be presented as current. Recipients are never charged, ever.

Other services we may offer you

FundStamp offers one service today: the proof-of-funds verification described above. There is nothing else to buy, and we are not marketing anything else to you.

In future we may tell you about other services that help you buy a business — identity verification, background checks on a target, lender matching, buy-side search assistance, and similar. None of those exists today. If any is introduced, some may be provided by us and some by third parties who pay us a referral fee, and where a fee is involved we will say so at the point we introduce them. None would be a condition of using FundStamp, none would be charged without your separate agreement, and declining would change nothing about your verification.

You can opt out of these messages at any time using the unsubscribe link on any of them, or by replying to your sign-in email. Opting out does not affect service notices about your own verification, such as a reminder that it is about to lapse.

We do not sell your personal information, and we do not disclose your balances, the institutions holding them, or your verified figure to any of these providers. What we share with a provider you have asked to be introduced to is what you tell us to share.

For brokers who point buyers here

Business brokers routinely ask a buyer to evidence funds, and many will point that buyer at FundStamp. Three things are true about that, and we would rather state them than be asked.

• We do not record who referred a buyer. There is no referral link, no referral code, and no field anywhere that captures the name of a broker. We therefore cannot tell you which buyers came from you, cannot tell anyone else, and cannot target anything on that basis, because the information does not exist.
• FundStamp does not show business listings. It is a verification tool. A buyer using it is not browsing anyone’s inventory.
• If we offer a buy-side search service, it will not favor any brokerage. Any such service will surface listings on the same terms regardless of which brokerage holds them, without ranking, weighting or featuring any preferentially.

Related companies

FiBase Inc. and Next Bridge Advisors Inc., which does business as Synergy Business Brokers of Florida and brokers the sale of privately held businesses, are under common ownership. We state it because you should not have to discover it: a relationship you find on your own is worth less than one we told you about.

The two are separate corporations and are operated as such. FundStamp does not disclose your verified figure, your balances, the institutions holding them, or your identity to Next Bridge Advisors Inc. or to any other company.

One account per person

A financial account may be connected to one FundStamp account. If you connect an institution whose accounts are already held by a different FundStamp user, the connection is refused before any of your data is retrieved. This prevents the same balances being presented as two separate buyers’ funds. If you believe a refusal is mistaken, reply to your sign-in email.

Availability and warranty

The service is provided as is and as available, without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose or non-infringement. Verification pages may be unavailable at times, including when an account holder has revoked a link, when the balances behind it are older than we will present as current, and when an institution or a third-party provider is unavailable to us.

Limitation of liability

To the fullest extent permitted by law, FiBase Inc. is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost business or lost opportunity, arising out of or relating to the service — including any decision made by an account holder, a broker, a seller or a lender in reliance on a verification. Our total liability for any claim relating to the service is limited to the amount you paid us for it in the twelve months before the claim arose.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.

Changes to these terms

We may change these terms. The effective date at the top of this page always reflects the current version, and material changes are notified to the email address on your account before they take effect. Continuing to use the service after that date means the new terms apply to you.

Ending your account

You can delete your account at any time from your dashboard, which erases your data immediately and irreversibly and stops every link you have published. A verification you started without an account and never published is deleted for you after seven days. We may suspend or end an account that is being used to misrepresent someone’s financial position, to present another person’s accounts as their own, or in breach of these terms.

Governing law

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. You and FiBase Inc. submit to the exclusive jurisdiction of the state and federal courts located in Orange County, Florida for any dispute arising out of or relating to these terms or the service.

Contact and notices

Questions about the service, and formal legal notices, go to:

You can also reach us from the Support link at the foot of any signed-in page, or by replying to your sign-in email. We answer within one business day.