Disclosures

1.How we make money

Revenue comes from subscriptions to the tiers on the pricing page and from custom data-delivery engagements on the same commercial basis. We do not take money from:

• the institutions the Service scores, in any form;
• advertising, sponsorship or paid placement;
• referral or success fees on a transaction the Service surfaced; or
• selling or licensing subscriber data.

2.No institution can influence its own score

Scores are computed by a pipeline without manual adjustment for any institution. No institution can pay to be scored, to be scored differently, to be removed from a ranking, or to be shown to a particular buyer, and none reviews its score before publication. A subscriber’s tier determines how much of the universe they can see, never what any score says.

Either side of a buyer-seller or acquirer-target match may be a subscriber. Matching is computed from profile fit alone, and a subscription confers no preference in ranking or visibility.

3.Data limitations

The panel refreshes quarterly, so it shows an institution’s last reported state, not its current one. Institutions can amend a filing after it is published, and the panel holds each quarter as first released, so a later amendment may not be reflected. Normalizing account codes involves judgment, and small institutions report less, so their scores rest on fewer inputs.

4.Model limitations

• A score is a resemblance, not a prediction. It says an institution looks like a historical pattern. It cannot observe intent, a board decision or a private conversation, and a high score means “worth a call,” never “this will happen.”
• Published validation figures are backtests. Merger Radar’s AUC of 0.86 and Liquidity Radar’s 0.76 to 0.83 were measured out-of-time against past outcomes. They describe a past period, not future accuracy.
• Merger Radar is validated only for distress-driven mergers at credit unions under $500M in assets. The test period held no qualifying merger above that size, so above it the score is untested.
• Vendor Signal is not a validated product. Tested against announced vendor adoptions in September 2026, it did not rank buyers better than chance. It is not offered as a call list, and where the product still shows its scores they are labeled as unvalidated context.

5.Sources, methods and use of AI

The panel is built from multiple data sources through a proprietary pipeline, and the sources are not published. The scores are statistical scorecards whose weights and per-account decomposition are shown in the product. They are not produced by a generative model, and no provider is authorized to train on our data or yours.

6.Available on request

Subscribers and evaluators can request the model documentation, the full validation results and their confidence intervals, and a sourcing summary for compliance review. Write to admin@infinidatum.net. Some material is shared under a confidentiality agreement.

7.Corrections, changes and contact

A correction that changes a published figure is applied for every subscriber at the same refresh, as described in the Disclaimer. If any arrangement on this page changes, this page changes before the arrangement begins. Questions: admin@infinidatum.net.