Terms
Last updated: 13 November 2026
These terms apply to every report ordered from Express Analysis. Please read them before placing an order.
1.Who we are
Express Analysis is an independent research practice run by Dr Ekaterina Yaremchuk. You can contact us at info@express-analysis.com.
2.What we provide
We prepare analytical reports on one company for one year using the Investment Attractiveness Model (IAM). Each report is based on the company’s published financial statements and sustainability reports. What each report and level includes is described on the Reports and Pricing pages.
3.Orders
You send a request through the order form and either give the link to the company’s official website or send the reports to the analyst through a link the analyst provides. We check that the analysis can be carried out and then email you an invoice with the details you provided. The contract is formed when the invoice is paid.
If the analysis cannot be carried out with the information provided, for example when the reports cover fewer than 5 consecutive years, when a year is missing, or when the company is a bank or an insurer, we tell you and do not issue an invoice.
4.Prices and payment
Prices are fixed, shown on the Pricing page in pounds sterling and exclude VAT; VAT is added where it applies. The price shown when you send the request applies. We issue you an invoice; the analysis starts once it is paid.
5.Delivery
The report is sent to your email as a PDF file 5–7 business days after the invoice is paid. If we need more time, we tell you by email.
6.Cancellation and refunds
You can withdraw a request free of charge until the invoice is paid. Each report is prepared to order, so once the analysis has started the fee is not refundable, unless the law requires otherwise.
If a report contains an error on our side, we correct it and send the corrected version free of charge.
7.Not investment advice
The reports are independent analytical research. They are not investment advice, a recommendation to buy or sell securities, or a credit rating. Decisions you make using a report are your own.
8.Information used
The analysis relies on information published by the company and on the files you send. We check that the reports cover the period but do not audit them, and we are not responsible for errors in the company’s own information.
9.Use of the reports
The methodology and the reports remain our intellectual property. You may use a report within your organisation and share it with your advisers, board, lenders and business partners. You may not resell a report or publish it in full without our written consent.
10.Liability
Our total liability for an order is limited to the price paid for that order. We are not liable for indirect losses or lost profits. Nothing in these terms limits liability that cannot be limited by law.
11.Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you are a consumer, you keep the protection of the mandatory law of the country where you live.
12.Changes
We may update these terms. The version published on this page when you place an order applies to that order.