Terms of Use

Introduction and acceptance of terms

These Terms of Use govern your use of BusinessDiagnostic.co.uk (the "Service"), operated by Ased Iqbal trading as Thinkerz Consulting ("we", "us" or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Service.

The Service is provided free of charge. No payment, subscription or account is required to use any of the diagnostic tools or to access your results or downloadable reports.

The Service

BusinessDiagnostic.co.uk is a free online platform that provides structured self-diagnostic assessments of business health. The Service is designed to help business owners, founders, operators, investors, acquirers, advisers and other stakeholders reflect on the financial, operational and commercial health of a business through a series of focused questions and a transparent scoring framework.

The Service consists of three standalone diagnostics:

• Financial Health Check — assesses profitability, cash flow, working capital, debt resilience and financial control.
• Operational Risk & Efficiency Scan — assesses operational risks, process efficiency, team capability, systems and resilience.
• Commercial Opportunity Map — assesses revenue quality, sales engine, customer economics, pricing effectiveness and market position.

Each diagnostic can be used independently, or all three can be completed for a broader view of a business. Completing one diagnostic does not require you to complete the others.

Eligibility and lawful use

The Service is intended for use by individuals aged 18 or over who are acting in a professional, business or advisory capacity. By using the Service, you confirm that you are at least 18 years of age and that you are using the Service lawfully.

You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the Service. You are responsible for the accuracy of the information you provide when completing an assessment.

Nature of the assessments

Each diagnostic assessment is based entirely on the responses you provide. The Service does not access your financial records, accounting systems, bank accounts or any external data source. It does not verify your responses against independent information. The accuracy and usefulness of the results depend on the honesty and accuracy of the answers you give.

The assessments ask qualitative questions about how your business operates — for example, how predictable your revenue is, how well you track your sales pipeline, or how disciplined your pricing decisions are. No detailed financial figures are required to complete any of the diagnostics.

Indicative results — not professional advice

The scores, findings, recommendations and reports generated by the Service are indicative self-diagnostic outputs. They are produced by applying a predetermined scoring framework to your responses and are intended to help you reflect on potential strengths, risks and opportunities in your business.

The results do not constitute financial, legal, tax, accounting, investment or other professional advice. You should not rely on the results as a basis for making significant business, financial or investment decisions without first consulting a suitably qualified professional adviser who can take account of your specific circumstances.

No valuation, audit or assurance

The Service does not provide a business valuation, a formal audit, a due-diligence opinion or any form of assurance. The diagnostics do not verify, validate or independently confirm any information about your business. They are a self-assessment tool, not a substitute for professional due diligence, audit, valuation or assurance engagement.

Accuracy and completeness

While we have designed the diagnostics to be useful and meaningful, we do not guarantee that the results will be accurate, complete or applicable to your specific circumstances. The scoring framework is a generalised model and may not capture every factor relevant to your business. Results are based solely on the responses you provide at a single point in time and may change if your circumstances or responses change.

Your responsibility for decisions

You remain solely responsible for any decisions you make, or actions you take, in reliance on or as a result of using the Service. We encourage you to use the diagnostics as a starting point for further investigation, reflection and, where appropriate, professional advice.

Intellectual property

All content on the Service — including the diagnostic methodology, scoring framework, question design, insights, recommendation logic, report formatting, branding, logos, text and software — is owned by or licensed to Ased Iqbal trading as Thinkerz Consulting and is protected by intellectual-property laws.

You may download and use the PDF reports generated for your own personal or internal business use. You may not reproduce, redistribute, publish, sell, license or commercially exploit the Service's content, methodology or reports without prior written permission.

Acceptable use and restrictions

You agree not to:

• Use the Service in any way that breaches applicable laws or regulations;
• Attempt to gain unauthorised access to any part of the Service, its database or its infrastructure;
• Use automated tools, scripts, bots or similar methods to submit bulk or repeated assessments or enquiries, or to interfere with the Service's operation;
• Submit content that is unlawful, defamatory, abusive, or that contains viruses or malicious code;
• Attempt to circumvent the Service's rate limiting, validation or security measures; or
• Misrepresent the Service's results as professional advice, an audit, a valuation or an assurance opinion.

We may restrict or block access to the Service where we believe these restrictions have been breached or where we consider it necessary to protect the Service or other users.

Third-party links and services

The Service may contain links to third-party websites or resources. These are provided for convenience only and do not signify that we endorse or are responsible for the content or practices of those third-party sites. We have no control over and accept no responsibility for the content, privacy policies or practices of any third-party websites.

Service availability and changes

The Service is provided free of charge and on an "as available" basis. We do not guarantee that the Service will be uninterrupted, error-free or available at all times. We may modify, suspend or discontinue the Service, or any part of it, at any time without notice. We accept no liability for any loss arising from such modification, suspension or discontinuation.

We may also update or modify the diagnostic questions, scoring framework, insights and recommendations from time to time to improve the Service.

Limitation of liability

To the maximum extent permitted by law, Ased Iqbal trading as Thinkerz Consulting accepts no liability for any loss or damage — whether direct, indirect, consequential or otherwise — arising from your use of, or reliance on, the Service or any results, reports, findings or recommendations it produces.

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, or non-infringement.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.

Governing law and jurisdiction

These Terms are governed by and construed in accordance with Scots law. Any disputes arising from or in connection with these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the Scottish courts, save where applicable law requires otherwise.

Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page. Continued use of the Service after any such changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

Contact

For any questions about these Terms of Use, please email hello@thinkerz.co.uk.