OceanMerge · DRAFT for legal review
Terms of use
Last updated 12 November 2026
These terms apply when you use the OceanMerge Capital Readiness Index and, if you buy it, the OceanMerge Capital Readiness Report. By using the service or buying a report you agree to them. If you use the service for a company, you confirm you are authorised to accept these terms for it.
1. Who we are
OceanMerge is operated by Ryan Babbage, a sole trader based in Victoria, Australia (ABN 40 844 930 305). In this notice, “OceanMerge”, “we”, “us” and “our” mean Ryan Babbage trading as OceanMerge. Contact: contact@oceanmerge.ae.
2. The service
The Capital Readiness Index is a free self-assessment with an instant score. You may optionally buy the Capital Readiness Report for a one-off payment (US$249.99 for startups, US$499 for mid-market companies), which includes a deeper questionnaire and a written report generated automatically from your answers. There is no subscription. One report is for one company.
3. What the service is not
OceanMerge provides readiness assessment and advisory services only. The Index and the Report are general information. They are not investment, financial, legal, tax or accounting advice; they are not a financial product; and they are not an offer, invitation, recommendation or solicitation to buy, sell or subscribe for securities or any other financial product, in any jurisdiction. They do not take into account your objectives, financial situation or needs. Before you act, obtain advice from appropriately licensed advisers in the relevant jurisdictions.
No guarantee of capital. A score, band or report does not mean that any investor will invest, or that capital will be raised on any terms or at all.
4. Introductions to investors
Any introduction to investors in OceanMerge’s network is entirely at OceanMerge’s discretion, even if your score meets the stated threshold, and is subject to OceanMerge’s own checks, separate written terms and applicable law. OceanMerge does not act as your broker, dealer, placement agent or financial adviser through this service, does not negotiate or arrange any investment on your behalf, and does not share your information with investors without your express consent.
5. Price and payment
The total price is shown before you pay and is charged by card through Stripe’s hosted checkout. Prices are in US dollars; your card provider may charge conversion fees. Your card statement will show RYANBABBAGE.COM.
6. Delivery and access
The report unlocks instantly in your browser after payment and stays available through your unique link for 24 months. We do not email it to you; save or print a copy. Anyone with the link can open the report, so keep it private.
7. Our quality promise, corrections and refunds
Our quality promise. Built on OceanMerge’s methodology. If something’s wrong, we’ll correct it. If you believe your report contains a material error (for example, a score, red flag or recommendation that does not follow from the answers you gave), email contact@oceanmerge.ae with your report reference and we will review it and issue a corrected report.
No voluntary money-back guarantee. Because the report is a digital service delivered instantly, we do not offer refunds for change of mind. You keep your rights under the Australian Consumer Law and any other consumer law that cannot be excluded: where the law requires a refund – for example, a major failure that we cannot or do not fix – we will refund you to your original payment method. See our refund policy.
8. Your responsibilities
You are responsible for the accuracy of your answers; the score and report are only as reliable as the information you enter. You must be authorised to submit information about the company, and must not submit information you are bound to keep confidential.
9. Acceptable use and intellectual property
Do not misuse, disrupt or probe the service. We own the Index, the report format and our content. You may use your report for your company’s internal purposes, including sharing it with your professional advisers and prospective investors you choose, but you may not resell or publish it. Your answers remain yours; you allow us to use them to provide the service.
10. Our liability
Our services come with guarantees that cannot be excluded under the Australian Consumer Law, and nothing in these terms limits them. Where the law allows, our liability for failing to meet a consumer guarantee for services not ordinarily acquired for personal use is limited to supplying the service again or refunding what you paid.
Subject to that and to the extent permitted by law: our total liability is limited to the amount you paid for the report; we are not liable for indirect or consequential loss, loss of profit or opportunity, or for any investment, financing or business decision you or anyone else makes based on the Index or the report.
11. Privacy
Our Privacy notice explains how we handle personal data.
12. Disputes and governing law
Please email contact@oceanmerge.ae first so we can try to resolve any dispute. These terms are governed by the laws in force in Victoria, Australia, and the courts of Victoria, Australia have non-exclusive jurisdiction. Consumers keep any protections of their own country’s law that cannot be excluded.
13. Changes
We may update these terms. The terms in force when you bought a report apply to that purchase.
See also: Privacy notice · Terms of use · Refund policy.