This Website is owned and operated by Notes & Ledgers LLC (“Company,” “we,” or “us”).
This Disclaimer, together with the Terms & Conditions of Use and Privacy Policy, governs your access to and use of notesandledgers.com, including any content, functionality, products, and services offered on or through notesandledgers.com or any subdomains (the “Website”), whether as a guest or a registered user.
Please read the Disclaimer carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms & Conditions of Use when this option is made available to you, you accept and agree to be bound and abide by the Disclaimer. If you do not want to agree to the Disclaimer, you must not access or use the Website.
For Educational and Informational Purposes Only
The information contained on this Website and the resources, information, webinars, videos, blog posts, courses, downloads, and/or products available through this Website, whether free or paid (the “Resources”) are for educational and informational purposes only.
Not Financial or Tax Advice
The information contained on this Website and the Resources are not intended as, and shall not be understood or construed as, financial or tax advice. The information contained on this Website is not a substitute for financial or tax advice from a professional who is aware of the facts and circumstances of your individual situation.
We have done our best to ensure that the information provided on this Website and in the Resources is accurate and provides valuable information. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not consult with a financial professional to address your particular situation. The Company expressly recommends that you seek advice from a professional.
Neither the Company nor any of its employees, owners, or contributors shall be held liable or responsible for any errors or omissions on this Website or for any damage you may suffer as a result of failing to seek competent financial advice from a professional who is familiar with your situation.
Not Professional Advice
The information contained on this Website and in the Resources is not intended as, and shall not be understood or construed as, professional advice, including but not limited to legal, financial, medical, veterinary, or other professional advice. While the contributors, employees and/or owners of the Company are professionals and the information provided on this Website relates to issues within the Company’s area of professionalism, the information contained on this Website is not a substitute for advice from a qualified professional who is aware of the facts and circumstances of your individual situation.
We have done our best to ensure that the information provided on this Website is accurate and provides valuable information, and that the resources available for download are accurate. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not consult with a professional to address your particular situation. The Company expressly recommends that you seek advice from a professional.
Neither the Company nor any of its employees or owners shall be held liable or responsible for any errors or omissions on this Website or for any damage you may suffer as a result of failing to seek competent advice from a professional who is familiar with your situation.
No Professional-Client Relationship
Your use of this Website, including implementation of any suggestions set out in this Website and/or use of any of the Resources, does not create a professional-client relationship between you and the Company or any of its professionals. You recognize and agree that we have not created any professional-client relationship by the use of this Website.
Personal Responsibility
By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website and in the Resources. You agree to use judgment and conduct due diligence before taking any action or implementing any plan or policy suggested or recommended on this Website or in the Resources.
No Guarantee of Results
You agree that the Company has not made any guarantees about the results of taking any action, whether recommended on this Website or not. The Company provides educational and informational resources that are intended to help users of this Website succeed in our specific topic area. You nevertheless recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of the Company. You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others, whether clients or customers of the Company or otherwise, applying the principles set out in this Website are no guarantee that you or any other person or entity will be able to obtain similar results.
Testimonials
I PRESENT CASE STUDIES AND TESTIMONIALS ABOUT OTHER PEOPLE’S EXPERIENCES WITH MY WEBSITE, PRODUCTS, SERVICES, AND EXPERIENCES WITH ME FOR PURPOSES OF EXAMPLE ONLY. THE TESTIMONIALS, EXAMPLES, AND PHOTOS USED ARE OF ACTUAL CLIENTS AND CUSTOMERS.
TESTIMONIALS AND/OR CASE STUDIES ARE NOT INTENDED TO REPRESENT OR GUARANTEE THAT CURRENT OR FUTURE CUSTOMERS, STUDENTS, OR CLIENTS WILL ACHIEVE THE SAME OR SIMILAR RESULTS; RATHER, THEY REPRESENT WHAT IS POSSIBLE FOR ILLUSTRATIVE PURPOSES ONLY. Earnings
Disclaimer
ANY PRESENTATION OF TESTIMONIALS AND CASE STUDIES ABOUT MY or OTHER’S EXPERIENCE WITH MY WEBSITE, PRODUCTS AND SERVICES ARE FROM ACTUAL CUSTOMERS AND CLIENTS AND ARE SHOWN AS EXAMPLES OF WHAT IS POSSIBLE FOR INFORMATIONAL PURPOSES ONLY.
THERE ARE SEVERAL FACTORS THAT DETERMINE A CLIENT/CUSTOMER/STUDENT’S SUCCESS SUCH AS HARD WORK AND TIME, AS SUCH I CAN IN NO WAY GUARANTEE THAT CURRENT OR FUTURE CUSTOMERS/CLIENTS/STUDENTS WILL ACHIEVE THE SAME OR SIMILAR RESULTS AS PREVIOUS CLIENTS/CUSTOMERS/STUDENTS, AGAIN THE EXAMPLES, CASE STUDIES, AND TESTIMONIALS, ARE SIMPLY ILLUSTRATIVE OF WHAT IS POSSIBLE.
The use of our information, products, and/or services should be based on your own due diligence and you agree that Notes & Ledgers LLC and/or advertisers or sponsors of Notes & Ledgers LLC are not liable for any success or failure of your business.
Disclaimer
The materials on Notes & Ledgers LLC’s website are provided ‘as is’. The Notes & Ledgers LLC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Notes & Ledgers LLC does not warrant or make any representations concerning the accuracy, reliability, or likely results of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
Limitations
In no event shall Notes & Ledgers LLC or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Notes & Ledgers LLC’s site, even if Notes & Ledgers LLC or a Notes & Ledgers LLC authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Links
Notes & Ledgers LLC has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Notes & Ledgers LLC of the site. Use of any such linked website is at the user’s own risk.
Limitation of Liability
YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR ANY OTHER DAMAGES ARISING OUT OF YOUR USE OF THE SITE OR SERVICE. ADDITIONALLY, NOTES & LEDGERS LLC IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH:
(I) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE;
(II) LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; AND
(III) THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF YOUR INFORMATION OR PROPERTY, REGARDLESS OF OUR NEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE AND WHETHER SUCH LIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGAL LIABILITY.
THE FOREGOING APPLIES EVEN IF NOTES & LEDGERS LLC HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES. IN THOSE STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITY IS LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY LAW. IN NO EVENT SHALL NOTES & LEDGERS LLC CUMULATIVE LIABILITY TO YOU EXCEED THE TOTAL PURCHASE PRICE OF THE SERVICE OR PRODUCT YOU HAVE PURCHASED FROM NOTES & LEDGERS LLC, AND IF NO PURCHASE HAS BEEN MADE BY YOU NOTES & LEDGERS LLC CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED $100.
Indemnification
You shall indemnify and hold us harmless from and against any and all losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third-party claims and causes of action, including, without limitation, attorney’s fees, arising out of any breach by you of any of these Terms and Conditions, or any use by you of the Site, Product, or Service. You shall provide us with such assistance, without charge, as we may request in connection with any such defense, including, without limitation, providing us with such information, documents, records, and reasonable access to you, as we deem necessary. You shall not settle any third party claim or waive any defense without our prior written consent.
Affiliate Disclosure
Notes & Ledgers LLC contains affiliate links. Meaning Notes & Ledgers LLC receives commissions for purchases made through those links, at no cost to you. Please understand that we have experience with all of these companies, and recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something.
Use of Artificial Intelligence (AI)
At Notes & Ledgers LLC , we strive to use Artificial intelligence (AI) responsibly. We understand that AI can be used to help create meaningful and engaging content, as well as automate certain aspects of content production.
This website may contain content created by AI or other automated technologies. Such content is provided for informational purposes only and should not be relied upon for any specific purpose without verification of its accuracy or completeness. We may use AI for different purposes in our business and on this website such as to generate content, including but not limited to product descriptions, articles, marketing materials, brainstorming, drafting content, research, proofreading, creating images, and improving efficiency.
All work is reviewed, edited, and quality-checked by a human before being delivered to clients. AI is used as a productivity tool to support—not replace—professional judgment, creativity, and client confidentiality. Client information is not entered into AI tools in a manner that would knowingly compromise confidentiality. Reasonable care is taken to protect sensitive business information and to use AI responsibly.
Accordingly, I/we reserve all rights relating to copyright. However, it’s important to note that AI output is not always perfect. In some cases, errors may occur due to the complexity of the system or data.
We take all necessary measures to ensure that content produced by AI technology is of the highest possible quality, but we cannot guarantee the accuracy of our AI-generated content. We therefore disclaim any and all liability for any errors or omissions in the content produced by our AI technology, and advise that users exercise caution when relying on such content.
Accordingly, I/we reserve all rights relating to copyright.
AI-generated content may contain errors, omissions, inaccuracies, incorrect statements, and outdated information that may adversely affect your use of the website. Furthermore, it may lack the same depth of detail and accuracy that can be provided by knowledgeable humans. Therefore, we cannot guarantee the accuracy of any AI-generated content on this website.
We are not responsible for any consequences resulting from your reliance upon such AI-generated content. You should always use appropriate caution and consult with an expert before relying on automated information or making decisions based on AI-generated content.
We reserve the right to modify or remove any AI-generated content at any time without notice. If you have any questions or concerns about the accuracy of AI-generated content, please contact us at support[@]notesandledgers.com for more information.
Contact Us
We welcome your questions or comments regarding the Disclaimer and Disclosures:
Email: support[@]notesandledgers.com
Mailing:
Notes & Ledgers LLC
350 George W Liles Pkwy NW
Ste 160 #1180
Concord, NC 28027
Effective as of July 2, 2026