The Charter

What This Is

A reading tool for the 32 million U.S. small businesses with no in-house counsel. It decodes commercial leases, vendor contracts, franchise documents, insurance audits, chargeback notices and demand letters into what an operator needs to know: what it says, what it costs, when its clocks run out, what the standard asks are and when the matter needs a professional.

What This Isn't

Not a law firm. Not legal, tax, insurance or financial advice. Not a substitute for the attorney your franchise agreement deserves or the litigation counsel a real lawsuit requires. When a matter is beyond a tool, the analysis says so and names the kind of professional to bring in. Every analysis carries that line, because the schema requires it.

Rules We Can't Break

• The analysis can't be bought. Free and paid users get the identical analysis, and payment buys the letters, kits and memos, never a better answer. The engine doesn't know what anything earns, so it can't rank your options to serve revenue.
• No money comes from the other side. We never take payment, referral fees or partnerships from landlords, franchisors, insurers, processors or anyone else whose documents we critique.
• Every finding is cited, or it's dropped. Each one cites a clause number or a short verbatim quote. A deterministic guard re-verifies every quote, date, clause reference and numbers-table figure against your document; what can't be verified is removed, and the analysis says so. Here's how strict that is. Quotes must match your document verbatim. Dates and clause references are checked at the level of their numbers, because we'd rather keep a borderline real deadline than delete it. Numbers-table figures must appear whole, never as fragments of larger ones.
• Nothing is invented. If a fact isn't in your document or in the cited rules data, the analysis says it isn't stated and points you to the right advisor to confirm it. A confident wrong number is worse than an honest gap.
• Your documents aren't kept. Each is read once, analyzed in memory and discarded. Apart from short-lived server logs, what persists is what you ask for: your email if you opt in, the deadline dates you ask the Renewal Watchdog to track, and payment records, which live in Stripe.

Where the Rules Come From

The analyzer is grounded in a versioned rules library: paraphrased rules with official source citations, effective dates and last-verified dates. It covers commercial leasing standards, vendor-contract patterns, the FTC Franchise Rule's FDD structure, card-network dispute rules and premium-audit mechanics. Your document always outranks the library, and a point that depends on the state is flagged as one, never stated as universal.

The Footer, Spelled Out

• —Not a law firm. Information, not advice.
• —Your document is read once and discarded — never stored, never sold, never used to train anything.
• —We never take money from the institutions we critique.
• —Money never changes what the tool tells you. Free and paid users get the identical analysis; payment buys the action artifacts and nothing else.