Terms of Service

1. Acceptance of terms

These Terms of Service ("Terms") govern your access to and use of the Ledgerline website, content, and any services we offer (collectively, the "Services"). By accessing or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, you must not use the Services.

2. Our services

Ledgerline produces faceless finance-related content across platforms such as YouTube, TikTok, and Instagram, and may offer digital products, educational materials, content production, and channel management services. The specific scope, deliverables, pricing, and timeline of any paid engagement will be agreed separately in writing (including by email) before work begins.

We reserve the right to modify, suspend, or discontinue any part of the website or Services at any time without notice.

3. No financial advice

Any figures, examples, rates, benchmarks, or scenarios shown on this site — including CPM ranges and revenue models — are illustrative estimates for educational purposes only. They are not guarantees, projections of your results, or offers of any security or financial product. All investment and financial decisions are made at your own risk. You should consult a qualified professional before acting on any information you find here.

4. Engagements & payments

For paid services:

• Scope, fees, and schedule are confirmed in writing before work begins
• Invoices are due according to the terms stated on them
• Unless stated otherwise, fees are non-refundable once work has commenced
• Results depend on factors outside our control (platform algorithms, market conditions, your execution); therefore no specific outcome is promised

Digital products (such as the Playbook) are delivered electronically and are non-returnable once accessed, except where consumer law requires otherwise.

5. Acceptable use

You agree not to:

• Use the site for any unlawful, fraudulent, or misleading purpose
• Attempt to gain unauthorized access to the site, its servers, or related systems
• Introduce malware, scraping at disruptive rates, or other harmful technologies
• Impersonate us or misrepresent your affiliation with Ledgerline
• Reproduce or redistribute our paid materials without written permission

We may restrict or block access if we reasonably believe these rules have been violated.

6. Intellectual property

Unless otherwise stated, all content on this site — including text, design, logos, graphics, videos, templates, and code — is owned by or licensed to Ledgerline and is protected by copyright and other intellectual property laws. You may view and share links to our public content for personal, non-commercial purposes. You may not copy, modify, distribute, sell, or create derivative works from our content without prior written consent.

Comments or messages you send us may be used in anonymized form as feedback or testimonials, but we will not publish your message verbatim without permission.

7. Third-party links

This site may link to third-party websites, platforms, products, or services (including affiliate partners). We do not control and are not responsible for the content, policies, or practices of any third party. Your use of a third-party site is governed by that site's own terms. See our Affiliate Disclosure.

8. Disclaimer of warranties

The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that results will be achieved from using our content.

9. Limitation of liability

To the maximum extent permitted by law, Ledgerline and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from your use of (or inability to use) the Services or reliance on any content therein.

Our total aggregate liability for any claim arising out of or relating to the Services shall not exceed the amount you paid us for the specific service giving rise to the claim in the twelve (12) months preceding it, or $100 USD if no payment was made. Some jurisdictions do not allow certain limitations, so these may not apply to you.

10. Indemnification

You agree to indemnify and hold harmless Ledgerline from and against any claims, damages, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Services, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We may suspend or terminate your access to the Services at any time if you breach these Terms. Sections concerning intellectual property, disclaimers, limitation of liability, indemnification, and governing law will survive any termination.

12. Governing law

These Terms are governed by the laws of [your state/country], without regard to its conflict-of-law principles. Any disputes shall be resolved in the courts of competent jurisdiction located in [your state/country], unless applicable consumer law provides otherwise.

13. Changes & contact

We may update these Terms from time to time. The "Last updated" date at the top will change when we do. Continued use of the Services after changes constitutes acceptance of the revised Terms.