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Legal · NorthLine Terminal

Terms of use

Effective as of the date you first access the service. Last updated April 28, 2026.

These terms contain mandatory arbitration, class-action waiver, and limitation of liability provisions. Read carefully.

1. Agreement

By accessing or using RMFU (the “Service”), including any website, application programming interface, or related materials operated by NorthLine Terminal (“we,” “us,” “our”), you agree to these Terms of use (“Terms”). If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization. If you do not agree, do not use the Service.

2. Eligibility

The Service is intended for adults engaged in professional research or business operations. You must not use the Service if you are prohibited by applicable law. We may refuse access or suspend accounts for conduct, risk, or legal reasons.

3. Not professional, investment, tax, or legal advice

The Service provides software tools, workflow surfaces, calculators, and informational content for convenience only. Nothing on the Service is an offer to buy or sell any security, a recommendation, or professional investment, tax, legal, accounting, or regulatory advice. You alone are responsible for decisions, filings, and compliance. Past performance, hypotheticals, models, or examples are not indicators of future results.

4. Accounts, credentials, and tenants

Access to tenant or workspace data may require authentication (including third-party identity providers). You are responsible for safeguarding credentials and for all activity under your account. You must notify us promptly of unauthorized use through your account administrator.

5. Acceptable use

You agree not to:

  • Violate law, third-party rights, or export or sanctions rules.
  • Probe, scan, or test the vulnerability of the Service without our prior written consent.
  • Circumvent access controls, quotas, rate limits, or billing limits.
  • Use the Service to distribute malware, unsolicited bulk messages, or deceptive content.
  • Mine cryptocurrency, run denial-of-service attacks, or overload infrastructure.
  • Reverse engineer, decompile, or attempt to extract source code except where law forbids this restriction.
  • Use automated means to scrape tenant-private or authenticated surfaces in breach of these Terms or our robots policy.
  • Resell, sublicense, or time-share the Service unless expressly permitted in writing.

6. Intellectual property

We and our licensors own the Service, including software, trade dress, branding, documentation, and compiled data sets we create (excluding your content and third-party materials you supply). Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for internal business purposes during an active subscription or trial we authorize.

You retain rights in your content. You grant us a worldwide license to host, process, transmit, and display your content solely to operate, secure, improve, and support the Service and as required by law. You represent that you have the rights needed to grant this license.

7. Third-party services and data

The Service may interoperate with third-party APIs, data vendors, identity providers, and infrastructure. We do not control third parties and are not responsible for their accuracy, availability, fees, or terms. Your use of third-party offerings is governed by their terms.

8. Confidentiality

Each party may receive non-public information of the other (“Confidential Information”). The receiving party will use reasonable care to protect Confidential Information and use it only for the purpose of the Service. Confidential Information excludes information that is public without fault, already known, independently developed, or rightfully received from another source.

9. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED, ERROR-FREE, OR SECURE OPERATION OR THAT DEFECTS WILL BE CORRECTED.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL OUR OR OUR AFFILIATES’ TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (USD $100) OR THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM (IF ANY). MULTIPLE CLAIMS DO NOT ENLARGE THIS CAP.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY.

Some jurisdictions do not allow certain limitations; in those jurisdictions our liability is limited to the minimum lawful amount.

11. Indemnity

You will defend, indemnify, and hold harmless NorthLine Terminal, its affiliates, and their directors, officers, employees, and agents from third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your content, your use of the Service, violation of these Terms, or violation of law.

12. Dispute resolution; arbitration; class waiver

Informal resolution. Before filing a claim, contact us to attempt informal resolution .

Binding arbitration. If informal resolution fails, any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered under the rules of a recognized arbitration provider, except either party may seek equitable relief in court for infringement or misuse of intellectual property. YOU AND WE WAIVE ANY RIGHT TO A JURY TRIAL.

Class action waiver. Disputes must be brought in an individual capacity, not as a plaintiff or class member in any purported class or representative proceeding. Batch or consolidated arbitration is not permitted without our written consent.

If you are a consumer, some jurisdictions give you rights that cannot be waived by contract; nothing in this section limits those non-waivable rights.

13. Governing law

These Terms are governed by the laws of the State of Delaware, USA, excluding conflict-of-laws rules. Courts in Delaware have exclusive jurisdiction for disputes not subject to arbitration as stated above, subject to non-waivable rights in your jurisdiction.

14. Changes

We may modify these Terms by posting an updated version and revising the “last updated” date. Material changes affecting your rights may require additional notice where law requires. Continued use after changes take effect constitutes acceptance.

15. Suspension and termination

We may suspend or terminate access for breach, risk, legal obligation, or non-payment. Provisions intended to survive termination (including IP, disclaimers, limitations, indemnity, arbitration, and governing law) survive.

16. Miscellaneous

These Terms, together with our Privacy policy and any order form or enterprise agreement you sign, constitute the entire agreement. If a provision is unenforceable, the remainder stays in effect. No waiver of a breach waives later breaches. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or asset sale. Headings are for convenience only.

17. Contact

Operator: NorthLine Terminal. Service name: RMFU. Legal and contract notices: through your account administrator or the contact channel on your order documentation.

These Terms are provided for transparency. They are not a substitute for counsel; have your lawyer review before enterprise reliance.

Three-minute mental model

RMFU is one surface for reading (brief + pulse), remembering (library + drills), and stress-testing (risk, macro, scenarios). Sign in to reach your tenant desk; this public site is the story, not the datastore.

Open the full guided tour → (recommended instead of this short blurb).

Use Open desk when you already have access — you will authenticate at the gate like any other protected route.

Sign in

Live calculators vs. marketing

After sign-in, /tools hosts shareable one-page calculators (NPV, payback, Kelly, and more). This public tools hub explains what exists for crawlers and prospects.

Open desk

Why drills matter

Bookmarks decay. RMFU uses short, spaced repetitions so vocabulary and frameworks stay retrievable when you are in front of a committee or a live tape — not only when you are reading alone.

Nudge inputs

Edit fields, then Apply & refresh (or use ↻ on the card). Same payload as the public demo API.

Last response JSON

app/engines/tools/service.py

Leading lines of the real module (marketing excerpt).

"""Operator pocket tools — small pure functions used by /tools.

Each function returns a dict with the inputs echoed back, the result, and a
short interpretation sentence (in casual exec tone).
"""
from __future__ import annotations

from dataclasses import dataclass
import math
from typing import Iterable


# -------- IRR / NPV ---------------------------------------------------------

def npv(rate: float, cashflows: list[float]) -> float:
    return sum(cf / ((1 + rate) ** t) for t, cf in enumerate(cashflows))


def npv_rate_sensitivity(rate: float, cashflows: list[float], bump: float = 0.01) -> dict:
    """±bump hurdle NPV and approximate $ / 1% change in NPV (last period scale)."""
    base = npv(rate, cashflows)
    up = npv(rate + bump, cashflows)