Top-up credits never expire. Monthly plan credits carry over for one month — unused credits from this month roll into next month up to the carry-over limit, then expire.

Yes. Your total balance is plan + top-up credits combined. Plan credits are always spent first.

No. Top-up credits let you run valuations but do not unlock plan-gated features like 409A reports, currency conversion, M&A database access, or teammate invitations. A monthly plan is required for those features.

You'll see a prompt to buy more before any action that requires credits. Your existing reports remain fully accessible.

Updating the valuation date triggers a full refresh of all market data — beta, ERP, interest rates, multiples, and comparable transactions. This is essentially a new analysis on the same company, so it costs ⚡5 credits.

For $750, a senior certified valuation analyst reviews your completed Equitest report, validates your inputs and assumptions, and produces a signed professional opinion letter. Suitable for M&A, litigation, and IRC §409A compliance. Turnaround is 7 business days. A completed valuation on any plan is required.

409A reports are available on Pro Annual and Enterprise plans. They include all necessary disclosures and methodology required for IRC §409A compliance support, including the AI audit trail.

We use AES-256 encryption for all data at rest and TLS 1.3 for data in transit. Your proprietary data is never used to train public AI models.

Yes at any time. Upgrading tops up your balance immediately. Downgrades take effect at the start of your next billing cycle.

You can invite colleagues to view or edit your reports. Each invitation costs ⚡5 credits. Starter plans include 0 teammates, Pro includes 1, and Enterprise includes unlimited teammates.