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Privacy Policy

Insightful Ledgers LLC — Last updated 2026

1. Information We Collect

Insightful Ledgers LLC collects only the information necessary to deliver financial consulting and virtual CFO advisory services. During consultations, onboarding, and ongoing engagements we may collect your name, email address, telephone number, business name, entity structure, and business financial information such as revenue figures, expense records, budgets, forecasts, and bookkeeping data that you voluntarily share with us.

Our services are delivered remotely and digitally. We do not operate a physical retail location, we do not ship physical goods, and we do not collect shipping addresses or in-person payment card data.

2. How We Use Your Information

We use the information you provide to deliver the consulting services you have engaged us for, to communicate with you regarding scheduling, deliverables, invoices, and follow-up, and to improve the quality and relevance of our advisory offerings. We do not use your business financial data for any purpose outside of your engagement without your written consent.

3. No Sale of Personal Data

We do not sell, rent, trade, or otherwise transfer your personal data or business information to third parties for marketing or commercial purposes. Ever.

4. Third-Party Tools

To operate our practice we rely on reputable third-party service providers, including email providers, scheduling and calendar tools, video conferencing platforms, cloud storage, and accounting software. These providers may process limited data on our behalf and are selected on the basis of appropriate data protection and security safeguards. We limit the data shared with each provider to what is strictly necessary for that tool to function.

5. Client Confidentiality

All client information is treated as strictly confidential. Financial records, projections, internal documents, and discussions shared during an engagement are never disclosed to any outside party except where required by law or with your explicit written authorization.

6. Data Retention

We retain client records for the duration of the engagement plus three (3) years thereafter, in line with standard professional recordkeeping practice. After that period, records are securely deleted or destroyed.

7. Your Rights

You may request access to, correction of, or deletion of the personal data we hold about you at any time. Deletion requests are honored except where retention is required by law or by an active engagement obligation.

8. Contact

Questions or concerns about privacy may be directed to consult@insightfulledgersadvisors.com.

Terms & Conditions

Insightful Ledgers LLC — Last updated 2026

1. Scope of Services

Insightful Ledgers LLC provides remote financial consulting, virtual CFO advisory, and bookkeeping guidance. Our services are advisory in nature. We are not a licensed public accounting firm, law firm, or registered investment adviser, and nothing we provide constitutes certified audit services, tax filing representation, legal advice, or investment recommendations. Clients requiring such services should engage an appropriately licensed professional.

2. Engagement Terms

Services commence upon receipt of a signed engagement agreement and the agreed deposit. The engagement agreement defines the scope, deliverables, timeline, and fees. Work outside the defined scope requires a written amendment and may incur additional fees.

3. Payment Terms

Invoices are due within seven (7) days of issuance unless otherwise stated in the engagement agreement. Late payments may be subject to late fees and may result in suspension of work until the account is brought current.

4. Cancellation Policy

Scheduled sessions require a minimum of forty-eight (48) hours notice to cancel or reschedule. Deposits are non-refundable. Sessions cancelled with less than 48 hours notice may be billed in full.

5. Intellectual Property

All models, templates, reports, dashboards, and other deliverables produced by Insightful Ledgers LLC remain the property of Insightful Ledgers LLC until payment has been received in full. Upon full payment, the client receives a license to use the deliverables for their own internal business purposes.

6. Limitation of Liability

All guidance is provided as professional consulting opinion based on the information supplied by the client. The client remains solely responsible for their own financial, operational, and strategic decisions and for the accuracy of information provided to us. Insightful Ledgers LLC's total liability under any engagement shall not exceed the fees paid for that engagement.

7. Governing Law

These terms are governed by the laws of the State of Colorado, United States, without regard to conflict of law principles.

Refund Policy

Insightful Ledgers LLC — Last updated 2026

1. Digital & Remote Services

All services offered by Insightful Ledgers LLC are delivered remotely and digitally. No physical products are sold or shipped, and therefore no return shipping applies.

2. Deposits

Deposits secure your place in our schedule and cover preparatory work. Deposits are non-refundable.

3. Late Cancellations

Sessions paid in full and cancelled with less than forty-eight (48) hours notice are non-refundable.

4. Cancellations by Us

If Insightful Ledgers LLC cancels a scheduled session for any reason, you will be offered either a full refund for that session or a rescheduled session at your convenience.

5. Multi-Session Packages

For multi-session packages, partial refunds may be considered for sessions on which work has not yet begun. Sessions already delivered, and preparatory work already performed, are not refundable.

6. Completed Deliverables

No refunds are issued for completed deliverables, reports, models, or documentation that have already been delivered to the client.

7. Disputes

Any billing dispute should be directed to consult@insightfulledgersadvisors.com within fourteen (14) days of delivery. We review every dispute in good faith and aim to respond within five business days.

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Ongoing Virtual CFO Advisory

Strategic Financial Analysis Package

Bookkeeping & Accounting Architecture Setup

Financial Review / Diagnostic

Privacy Policy

1. Information We Collect

2. How We Use Your Information

3. No Sale of Personal Data

4. Third-Party Tools

5. Client Confidentiality

6. Data Retention

7. Your Rights

8. Contact

Terms & Conditions

1. Scope of Services

2. Engagement Terms

3. Payment Terms

4. Cancellation Policy

5. Intellectual Property

6. Limitation of Liability

7. Governing Law

Refund Policy

1. Digital & Remote Services

2. Deposits

3. Late Cancellations

4. Cancellations by Us

5. Multi-Session Packages

6. Completed Deliverables

7. Disputes

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Ongoing Virtual CFO Advisory

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Bookkeeping & Accounting Architecture Setup

Financial Review / Diagnostic