Last updated: October 6, 2026

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Welcome to tradesandledger.com (the "Site"), operated by Trades & Ledger LLC ("Trades & Ledger," "we," "us," or "our"). By using the Site, you agree to these Terms of Service. If you do not agree, please do not use the Site.

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1. ABOUT THE SITE

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The Site provides information about our bookkeeping and financial record-keeping services for independent contractors and trade businesses, and lets you contact us. Using the Site does not create a client relationship with us.

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2. SERVICES ARE PROVIDED UNDER A SEPARATE AGREEMENT

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If you hire us, our work will be governed by a separate written engagement agreement that sets out the services, fees, and responsibilities. If these Terms conflict with an engagement agreement, the engagement agreement controls for those services.

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3. NO TAX, LEGAL, OR ACCOUNTING ADVICE

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The content on the Site is general information only. It is not tax, legal, accounting, or financial advice, and you should not rely on it as such. Please consult a qualified professional about your specific situation. Unless we have agreed otherwise in a written engagement agreement, we do not prepare tax returns, give tax or legal advice, or provide audit or attest services.

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4. USING THE SITE

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You agree to use the Site only for lawful purposes. You agree not to:

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- interfere with or disrupt the Site or its security;

- try to gain unauthorized access to the Site or its systems;

- submit false, misleading, or harmful content, including malicious code;

- use the Site to send spam or unsolicited advertising.

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5. CONTACT FORM AND COMMUNICATIONS

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When you send us a message through the Site, you agree to give us accurate information. Please do not send sensitive information, such as Social Security numbers or bank or card account numbers, through the contact form or ordinary email. See our Privacy Policy for how we handle the information you share.

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6. INTELLECTUAL PROPERTY

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The Site and its content, including the Trades & Ledger name, logos, text, graphics, and images, are owned by us or our licensors and are protected by intellectual property laws. You may view and share the Site's content for personal, non-commercial use, but you may not copy, modify, or use our name, logos, or content for commercial purposes without our written permission.

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7. THIRD-PARTY LINKS AND SERVICES

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The Site may link to or rely on third-party websites and services, such as scheduling tools. We do not control them and are not responsible for their content or practices. Your use of them is at your own risk and subject to their terms.

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8. DISCLAIMER OF WARRANTIES

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The Site and its content are provided "as is" and "as available," without warranties of any kind, either express or implied. We do not promise that the Site will always be available, error-free, or free of harmful components, or that the information on it is complete or current.

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9. LIMITATION OF LIABILITY

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To the fullest extent permitted by law, Trades & Ledger LLC and its owners, employees, and contractors are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or business, arising from your use of, or inability to use, the Site. Our total liability for any claim relating to the Site is limited to $100. Nothing in these Terms limits liability that cannot be limited by law.

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10. CHANGES TO THE SITE AND THESE TERMS

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We may change or discontinue any part of the Site at any time. We may also update these Terms. When we do, we will change the "Last updated" date above. Your continued use of the Site after a change means you accept the updated Terms.

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11. GOVERNING LAW

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These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law rules. Any dispute relating to these Terms or the Site will be brought in the state or federal courts located in New York State, and you agree to their jurisdiction.

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12. CONTACT US

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Trades & Ledger LLC

Email: contact@tradesandledger.com