These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Narber Aviation, LLC, an Iowa limited liability company ("Narber Aviation," "we," "us," or "our"), governing your access to and use of the Owner Intelligence Suite, located at ownerintelligence.narberaviation.com (the "Service").
By creating an account, subscribing to the Service, or otherwise accessing or using the Service, you represent that: (a) you are at least 18 years of age; (b) you have the legal capacity to enter into a binding agreement; and (c) you agree to be bound by these Terms in their entirety.
These Terms apply to all users of the Service, including visitors, subscribers, and any other individuals who access or use the Service in any manner.
The Owner Intelligence Suite is a web-based financial modeling software application designed to assist aircraft owners, prospective buyers, leaseback operators, aviation professionals, and flight operators in modeling and estimating the potential financial aspects of aircraft ownership, acquisition, leaseback arrangements, tax considerations, and related matters.
The Service includes, but is not limited to: cost of ownership calculators, leaseback economic modeling tools, tax shield estimation tools, profit and loss modeling, five-year exit projections, aircraft preset data, and PDF export functionality.
THE SERVICE IS A FINANCIAL MODELING AND ESTIMATION TOOL ONLY. IT DOES NOT CONSTITUTE AND IS NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL, TAX, LEGAL, INVESTMENT, INSURANCE, OR AVIATION ADVICE. SEE SECTION 11 FOR THE FULL NO-PROFESSIONAL-ADVICE DISCLAIMER.
We reserve the right to modify, update, suspend, or discontinue any feature or aspect of the Service at any time, with or without notice, and without liability to you.
To access the Service, you must create an account and subscribe to one of the available plans. You agree to provide accurate, current, and complete information during registration and to keep your account information updated at all times.
You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately at ethan@narberaviation.com of any unauthorized use of your account or any other breach of security.
You may not share your account credentials with any other person. Each subscription is for a single user. We reserve the right to terminate or suspend accounts that we reasonably believe are being shared or used by multiple individuals under a single subscription.
We reserve the right to refuse registration, cancel accounts, or terminate access at our sole discretion.
The Service is offered on a subscription basis. Currently available plans include a Monthly Subscription at $39.00 per month and an Annual Subscription at $395.00 per year. Pricing is subject to change at our discretion; changes will be communicated with reasonable advance notice and will not affect your current subscription period.
All subscriptions are billed in advance through our third-party payment processor, Stripe, Inc. By subscribing, you authorize us and Stripe to charge your designated payment method on a recurring basis according to your selected plan interval. Subscriptions automatically renew unless cancelled prior to the renewal date.
Monthly subscriptions may be cancelled at any time through the Stripe customer portal. Cancellation takes effect at the end of the then-current billing period; you will retain access to the Service through the end of the period for which you have already paid. No partial-month refunds are issued for monthly subscriptions except as provided under the 7-Day Money-Back Guarantee in Section 4.5.
ANNUAL SUBSCRIPTIONS ARE NON-REFUNDABLE EXCEPT WITHIN THE 7-DAY MONEY-BACK GUARANTEE WINDOW DESCRIBED IN SECTION 4.5. AFTER THE 7-DAY GUARANTEE PERIOD HAS EXPIRED, ANNUAL SUBSCRIPTION FEES ARE EARNED IN FULL AND ARE NOT SUBJECT TO PRO-RATED REFUND, PARTIAL REFUND, CREDIT, OR CANCELLATION FOR REIMBURSEMENT UNDER ANY CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO DISSATISFACTION WITH THE SERVICE, CHANGE OF PLANS, OR FAILURE TO USE THE SERVICE.
An annual subscriber may cancel auto-renewal at any time through the Stripe customer portal. Cancellation of auto-renewal stops future charges but does not entitle the subscriber to a refund for the current annual period. Access to the Service continues through the end of the paid annual term.
New subscribers — both Monthly and Annual — are eligible for a full refund of their first payment if they request a refund within seven (7) calendar days of the date of their initial subscription purchase. To request a refund under this guarantee, you must contact us at ethan@narberaviation.com within the 7-day window with the subject line "Refund Request" and include the email address associated with your account.
The 7-Day Money-Back Guarantee applies only to the initial subscription purchase. It does not apply to renewal charges, subsequent subscription periods, or any subscription that was previously refunded. We reserve the right to limit or deny refund requests that we believe in good faith to be made in bad faith or that constitute abuse of this policy.
If a payment fails, we reserve the right to suspend or terminate your access to the Service until payment is successfully processed. You remain responsible for any amounts owed.
Subscription prices do not include applicable taxes. You are solely responsible for any sales, use, value-added, or other taxes imposed by any governmental authority in connection with your use of the Service.
Your saved aircraft profiles and account data will be retained in our system after cancellation, subject to our data retention practices. While we make reasonable efforts to preserve your data, we make no guarantee that data will be available upon resubscription. We reserve the right to delete account data that has been inactive for an extended period, and we will make reasonable efforts to provide advance notice before doing so.
You are solely responsible for exporting or otherwise preserving any outputs, PDF exports, or calculations you wish to retain before cancelling your subscription.
You agree to use the Service only for lawful purposes and in a manner consistent with these Terms. You expressly agree not to:
We reserve the right to investigate violations of these Terms and to take appropriate action, including suspension or termination of access, without notice and without liability.
The Service and all of its content, features, and functionality — including but not limited to the software code, algorithms, financial models, calculation logic, aircraft preset data, text, graphics, user interface design, logos, and PDF export templates — are the exclusive property of Narber Aviation, LLC and are protected by United States copyright, trademark, trade secret, and other intellectual property laws.
Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal or internal business purposes during the term of your active subscription. This license does not include the right to reproduce, distribute, sell, sublicense, or create derivative works of any portion of the Service.
All rights not expressly granted to you are reserved by Narber Aviation, LLC. Nothing in these Terms transfers any ownership rights to you.
You retain ownership of any data or inputs you provide to the Service. By using the Service, you grant us a limited, non-exclusive license to use your inputs solely for the purpose of operating, providing, and improving the Service.
The Service uses Stripe, Inc. as its payment processing provider. Your payment information is submitted directly to and processed by Stripe. We do not store your full credit card number or payment credentials on our servers. Your use of Stripe is governed by Stripe's own Terms of Service and Privacy Policy, available at stripe.com/legal.
The Service may also utilize other third-party services, integrations, or external data sources. We are not responsible for the content, accuracy, availability, or practices of any third-party service. Links to third-party sites or services do not constitute endorsement.
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by this reference. We collect certain information from you in connection with your account registration and use of the Service. By using the Service, you consent to our collection and use of your information as described in our Privacy Policy. For questions about data practices, contact us at ethan@narberaviation.com.
We reserve the right to modify these Terms at any time. When we make material changes, we will update the Effective Date at the top of this page and, where feasible, provide notice to active subscribers by email. Your continued use of the Service after the effective date of any modified Terms constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must cancel your subscription and discontinue use of the Service.
We encourage you to review these Terms periodically.
THE OWNER INTELLIGENCE SUITE IS A FINANCIAL ESTIMATION AND MODELING TOOL PROVIDED FOR INFORMATIONAL AND ILLUSTRATIVE PURPOSES ONLY. NOTHING IN THE SERVICE OR IN ANY OUTPUT, CALCULATION, PDF EXPORT, PROJECTION, OR COMMUNICATION FROM NARBER AVIATION CONSTITUTES FINANCIAL ADVICE, INVESTMENT ADVICE, TAX ADVICE, LEGAL ADVICE, INSURANCE ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE.
All calculations produced by the Service are based solely on the assumptions and data entered by the user and on simplified financial models. Actual ownership economics, tax treatment, depreciation eligibility and recapture, passive activity loss limitations, leaseback underwriting requirements, insurance costs, aircraft valuations, fuel prices, interest rates, overhaul costs, and resale values vary significantly based on individual circumstances, applicable law, jurisdiction, and market conditions, and may change over time.
Section 179 expensing and bonus depreciation are subject to complex eligibility criteria, phase-out rules, recapture provisions, passive activity loss limitations, and at-risk rules under the Internal Revenue Code. The Service's tax modeling is a simplified estimate only and does not account for your specific tax situation.
You acknowledge and agree that you should consult qualified professionals — including a licensed aviation CPA, an aviation attorney, a licensed insurance broker, and a knowledgeable aviation finance lender — before making any aircraft acquisition, financing, leaseback, or tax decision. Narber Aviation, LLC is a flight instruction services provider and software developer; it is not a registered investment advisor, broker-dealer, CPA firm, law firm, or insurance provider.
Reliance on any information or output produced by the Service is solely at your own risk.
You acknowledge that aircraft preset data, cost estimates, market values, insurance figures, and other reference data included in the Service are provided as estimates only, are based on research conducted as of the dates noted, and may not reflect current market conditions. You assume full responsibility for verifying any data or outputs before relying on them for any purpose.
Some jurisdictions do not allow the exclusion of certain implied warranties; in such jurisdictions, our liability is limited to the greatest extent permitted by law.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NARBER AVIATION'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE FORM OF ACTION, SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO NARBER AVIATION IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00).
The limitations of liability set forth in this section are fundamental elements of the basis of the bargain between us. The Service would not be provided without these limitations, and they apply notwithstanding any failure of the essential purpose of any limited remedy.
Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability is limited to the greatest extent permitted by law.
You agree to defend, indemnify, and hold harmless Narber Aviation, LLC and its members, officers, employees, contractors, agents, licensors, and successors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause and with or without notice, including but not limited to if we believe you have violated these Terms, engaged in fraudulent or abusive conduct, or if required by law.
Upon termination, your license to use the Service immediately ceases. Provisions of these Terms that by their nature should survive termination — including Sections 7 (Intellectual Property), 11 (No Professional Advice), 12 (Disclaimer of Warranties), 13 (Limitation of Liability), 14 (Indemnification), 16 (Governing Law), and 17 (Dispute Resolution) — shall survive termination.
Termination does not entitle you to a refund of any fees paid, except as provided under the 7-Day Money-Back Guarantee in Section 4.5 and subject to all conditions stated therein.
These Terms and any dispute arising out of or related to your use of the Service shall be governed by and construed in accordance with the laws of the State of Iowa, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved informally shall be subject to the exclusive jurisdiction of the state and federal courts located in Polk County, Iowa. You hereby irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection to such jurisdiction or venue.
Before initiating any formal legal proceeding, you agree to first contact us at ethan@narberaviation.com and provide a written description of the dispute, your desired resolution, and your contact information. We will attempt to resolve the dispute informally within thirty (30) days of receipt.
TO THE FULLEST EXTENT PERMITTED BY LAW, BOTH PARTIES WAIVE THE RIGHT TO A JURY TRIAL IN ANY ACTION ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE.
You agree that any cause of action arising out of or related to these Terms or the Service must be filed within one (1) year after the cause of action arose; otherwise, such cause of action is permanently barred.
These Terms, together with our Privacy Policy and any other policies expressly incorporated herein, constitute the entire agreement between you and Narber Aviation with respect to the Service and supersede all prior and contemporaneous agreements, representations, and understandings.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Narber Aviation to be effective.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.
We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, internet outages, third-party service failures, or government actions.
These Terms are for the sole benefit of you and Narber Aviation and do not create any third-party beneficiary rights.
For questions about these Terms, refund requests, or account matters, please contact:
Narber Aviation, LLC
Des Moines, Iowa
Email: ethan@narberaviation.com
Website: ownerintelligence.narberaviation.com
These Terms were last updated on May 18, 2026. Narber Aviation, LLC recommends that you consult with a qualified attorney regarding the enforceability and adequacy of these Terms for your specific situation. Nothing in this document constitutes legal advice.