Privacy Policy

Last Updated: January 29, 2026

Clarity and Ledger ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and share your information when you visit our website, use our mobile application, subscribe to our email list, book services, or complete a purchase.

By using our website, mobile application, or services, you agree to the terms outlined below.

Information We Collect

Information You Provide Directly

When you interact with our website or app, we may collect:

• Full name

• Email address

• Phone number (if provided)

• Billing address

• Business information (if applicable)

• Any information submitted through forms, bookings, or inquiries

Mobile Application Data

NEW — App-Specific Section Added

When you use the Clarity and Ledger mobile application, we may collect the same categories of information described above, including account registration details, usage data, and any information you submit through the app. The app may also request access to your device's notification settings to send service updates and alerts related to your account, your Founder Studio progress, Virtual Office mail notifications, and other service communications. You may manage notification preferences at any time within your device settings or app preferences.

Payment Information

All payments are securely processed through Stripe. We do not store or have access to your full credit or debit card numbers.

Stripe may collect:

• Payment card details

• Transaction data

• Billing information

• Device and fraud-prevention data

Stripe's handling of your data is governed by their own privacy policy.

Automatically Collected Information

When you browse our website or use our app, we may automatically collect:

• IP address

• Browser type

• Device type

• Pages visited and features used

• Time spent on site or in app

• Referral sources

This information helps us optimize performance and improve user experience.

How We Use Your Information

We use your information to:

• Process payments and deliver purchased services

• Send email newsletters, updates, and educational content

• Manage bookings and consultations

• Deliver Founder Studio course content, community access, and coaching sessions

• Manage Virtual Office mail notifications and communications

• Respond to customer support requests

• Improve our website, app, and services

• Meet legal, accounting, and compliance obligations

You may unsubscribe from marketing emails at any time using the link provided in each email.

Email Marketing and Communications

When you submit your email address, you consent to receive communications from Clarity and Ledger. These may include:

• Educational content

• Business updates

• Service announcements

• Promotions

You can opt out at any time by clicking the unsubscribe link in our emails or contacting us directly.

Sharing of Information

We do not sell your personal data.

We may share limited information with trusted service providers that help us operate our business, including:

• Stripe (payment processing)

• Email marketing platforms

• Website and app hosting providers

• Analytics tools

• Legal or regulatory authorities when required by law

All partners are required to protect your data in accordance with applicable privacy laws.

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Analyze traffic and usage patterns

• Improve site and app functionality

• Track marketing performance

You may control cookies through your browser settings. Disabling cookies may affect some features of our website or app.

Data Security

We use administrative, technical, and physical safeguards to protect your personal information. While we take reasonable steps to secure your data, no online system is completely secure. We encourage you to use strong passwords and protect your account credentials.

Your Privacy Rights

You have the right to:

• Request access to your personal data

• Correct inaccurate information

• Request deletion of your information

• Opt out of marketing communications

• Request that we stop processing your data in certain circumstances

To make a request, contact us at:

Email: connect@clarityandledger.com

Website: clarityandledger.com

Children's Information

Our services and mobile application are not intended for individuals under 13 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately so we can delete it.

Third-Party Websites

Our website and app may contain links to external websites. We are not responsible for the privacy practices or content of those third parties. We encourage you to review the privacy policies of any third-party sites you visit.

Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with the updated date. Your continued use of our website or app after changes are posted constitutes your acceptance of the updated policy.

Contact Information

If you have questions about this Privacy Policy or your personal information, please contact:

Clarity and Ledger

Email: connect@clarityandledger.com

Website: clarityandledger.com

Address: 815 Superior Ave East, Cleveland, OH 44114

SECTION 2 — TERMS OF SERVICE

Terms of Service

Last Updated: March 11, 2026

Please read these Terms of Service ("Terms") carefully before using the Clarity and Ledger website, mobile application, or any of our services. By accessing or using our website, app, or services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. About Clarity and Ledger

Clarity and Ledger ("Company," "we," "our," or "us") is a financial services company based in Cleveland, Ohio. We provide accounting, bookkeeping, tax compliance, payroll, business coaching, virtual office services, and educational programs for entrepreneurs and small business owners through our website at clarityandledger.com and our mobile application.

2. Acceptance of Terms

By accessing our website or app, creating an account, purchasing a service, or enrolling in any program, you confirm that you:

• Are at least 18 years of age

• Have the legal capacity to enter into a binding agreement

• Agree to comply with these Terms and all applicable laws

These Terms apply to all visitors, users, and clients of Clarity and Ledger.

3. Services Offered

Clarity and Ledger provides the following services:

Accounting and Financial Services

Including bookkeeping, financial reporting, reconciliations, payroll processing, tax compliance, state and local tax, and financial systems implementation. These services are provided under separate service agreements.

The Founder Studio

A business development program designed to help entrepreneurs build the foundation of a legitimate, professional business. The Founder Studio includes self-paced courses, live sessions, community access, coaching, and a resource library. Enrollment is subject to application approval and payment of program fees.

Virtual Office Services

A professional business address service located at 815 Superior Ave East, Cleveland, OH 44114. Services include mail receiving, mail scanning, mail forwarding, and conference room access depending on the selected plan. Virtual Office services are provided on a month-to-month basis.

Advisory and Coaching Services

One-on-one advisory sessions, strategy consultations, and business coaching. These services are provided under separate agreements and are subject to scheduling availability.

Mobile Application

The Clarity and Ledger app provides access to your client portal, Founder Studio content, Virtual Office dashboard, resource library, and booking capabilities. Features available depend on your subscription tier.

4. User Accounts

To access certain features of our website or app, you may be required to create an account. You agree to:

• Provide accurate and complete registration information

• Maintain the security of your account credentials

• Notify us immediately of any unauthorized access to your account

• Be responsible for all activity that occurs under your account

We reserve the right to suspend or terminate accounts that violate these Terms or that we determine, in our sole discretion, to be inappropriate or harmful to our community.

5. Payment Terms

General Payment Terms

All fees for services are due as specified at the time of purchase or in your service agreement. Prices are listed in U.S. dollars and are subject to change with notice.

The Founder Studio

The Founding Cohort investment is $597, payable in full or on a payment plan approved on a case-by-case basis. Seats are not secured until payment and enrollment agreement are completed. Payment is processed securely through Stripe.

Virtual Office Plans

Virtual Office services are billed monthly. Plans are available at $49/month (Starter), $79/month (Growth), and $99/month (Pro). Billing continues on a month-to-month basis until cancelled. No long-term contracts are required.

Late Payments

For ongoing service agreements, invoices are due within the timeframe specified on each invoice. Late payments may result in a suspension of services until the outstanding balance is resolved.

Taxes

You are responsible for any applicable taxes associated with your purchase of services. Clarity and Ledger will collect applicable sales tax where required by law.

6. Refund Policy

The Founder Studio

Due to the nature of the program and the limited cohort size, all Founder Studio enrollment fees are non-refundable once the cohort has begun. If you are unable to continue the program before it begins, please contact us at connect@clarityandledger.com to discuss your options.

Virtual Office Services

Virtual Office subscriptions may be cancelled at any time. Cancellations take effect at the end of the current billing period. No partial month refunds are issued.

Accounting and Advisory Services

Refund terms for accounting and advisory services are outlined in your individual service agreement. Please review your agreement or contact us with any questions.

7. Founder Studio Program Terms

By enrolling in The Founder Studio, you agree to the following:

• Enrollment is subject to application approval — Clarity and Ledger reserves the right to decline any application

• Cohort size is limited to 10 founders per class to maintain a high-touch experience

• You are responsible for completing assignments and attending sessions to receive full program value

• Program materials, templates, and content are proprietary to Clarity and Ledger and may not be shared, resold, or distributed without written permission

• Clarity and Ledger reserves the right to remove any participant from the program for conduct that is disruptive, disrespectful, or violates these Terms

• Graduation and Pitch Night participation requires completion of the program deliverables

8. Virtual Office Service Terms

By subscribing to Clarity and Ledger Virtual Office services, you agree to the following:

• The business address provided may only be used for legitimate business purposes

• You may not use the address for any illegal, fraudulent, or deceptive activity

• Mail handling is subject to our current plan terms — mail scanning limits apply based on your selected plan

• Postage for mail forwarding is billed separately at cost

• Clarity and Ledger is not responsible for lost, damaged, or misdirected mail

• Conference room usage is subject to availability and must be scheduled in advance

• Clarity and Ledger reserves the right to terminate Virtual Office services if the address is used for improper purposes

9. Intellectual Property

All content on the Clarity and Ledger website, mobile application, and within The Founder Studio — including but not limited to text, graphics, logos, course materials, templates, checklists, videos, and program frameworks — is the intellectual property of Clarity and Ledger and is protected by applicable copyright and trademark laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any of our content without our prior written consent. Personal use of downloaded materials for your own business is permitted where explicitly allowed within the program.

10. User Conduct

By using our website, app, or participating in any of our programs or communities, you agree not to:

• Use our services for any unlawful purpose or in violation of any applicable laws

• Harass, intimidate, or disrespect other users, clients, or Clarity and Ledger staff

• Share, distribute, or reproduce any proprietary program content without permission

• Attempt to gain unauthorized access to any part of our website, app, or systems

• Submit false, misleading, or fraudulent information

• Use our services to spam, phish, or engage in any deceptive practice

• Interfere with the proper functioning of our website or app

11. Disclaimer of Warranties

Clarity and Ledger provides general business, financial, and educational information as part of our services. Our content and services are provided for informational and educational purposes and do not constitute legal, tax, investment, or financial advice specific to your individual situation.

While we strive to provide accurate and up-to-date information, we make no warranties — express or implied — regarding the completeness, accuracy, or fitness for a particular purpose of any information provided through our website, app, or programs.

You are solely responsible for any business decisions you make based on information obtained through Clarity and Ledger services. We strongly recommend consulting with a licensed attorney, CPA, or financial advisor for advice specific to your situation.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Clarity and Ledger and its owners, employees, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website, app, or services — including but not limited to loss of profits, loss of data, or business interruption.

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the total amount you paid to Clarity and Ledger in the three months preceding the claim.

13. Indemnification

You agree to indemnify, defend, and hold harmless Clarity and Ledger and its owners, employees, contractors, and affiliates from any claims, damages, losses, liabilities, and expenses — including reasonable attorneys' fees — arising from your use of our services, your violation of these Terms, or your violation of any third-party rights.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of our services shall first be attempted to be resolved through good faith negotiation. If a resolution cannot be reached, disputes shall be submitted to binding arbitration in Cuyahoga County, Ohio, in accordance with the rules of the American Arbitration Association.

Nothing in this section shall prevent either party from seeking injunctive or other equitable relief from a court of competent jurisdiction where necessary to protect intellectual property or confidential information.

15. Termination

Clarity and Ledger reserves the right to suspend or terminate your access to our website, app, or any services at any time and for any reason, including but not limited to violation of these Terms, non-payment, or conduct we determine to be harmful to our business or community.

Upon termination, your right to use our services ceases immediately. Provisions of these Terms that by their nature should survive termination — including intellectual property, limitation of liability, and dispute resolution — shall survive.

16. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Updated Terms will be posted on this page with the revised date. Your continued use of our website, app, or services after changes are posted constitutes your acceptance of the updated Terms.

For significant changes, we will make reasonable efforts to notify you via email or through a notice on our website or app.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any applicable service agreements, constitute the entire agreement between you and Clarity and Ledger with respect to your use of our services and supersede any prior agreements or understandings.

19. Contact Information

If you have questions about these Terms of Service, please contact us at:

Clarity and Ledger

Email: connect@clarityandledger.com

Phone: 216-208-3144

Website: clarityandledger.com

Address: 815 Superior Ave East, Cleveland, OH 44114

Clarity and Ledger

Clarity in your finances. Confidence in your future.

clarityandledger.com