Ledger & Ladder

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Terms of service

What you are buying, what we owe each other, and what happens when something goes wrong.

Last updated: [[DATE]] · Version [[VERSION]]

This is a template, not finished legal text. Every field marked in yellow must be completed with your own details, and the whole document should be reviewed by a qualified lawyer in the country where you operate before you publish it. Requirements differ considerably between jurisdictions.

1. About these terms

These terms govern your use of [[DOMAIN]] and your purchase of the group programme and the one-to-one programme (each a “programme”) from [[LEGAL ENTITY NAME]], registered at [[REGISTERED ADDRESS]], registration number [[NUMBER]], contactable at [[EMAIL ADDRESS]]. By enrolling you accept these terms.

2. What we provide

We provide general financial education delivered through live online sessions, written materials, worksheets, calculators and written feedback, as described on the relevant course page at the time you enrol. The group programme comprises eight live sessions over eight weeks. The one-to-one programme comprises six private sessions plus two follow-up calls.

We reserve the right to make minor changes to the schedule, session order or delivery platform. If a change is significant and disadvantages you, we will offer a transfer to a later cohort or a refund of the unused portion.

3. What we do not provide

  • Personal financial, investment, tax, accounting, insurance or legal advice.
  • Recommendations of specific financial products, securities, funds or digital assets.
  • Management of, or access to, your money or accounts.
  • Any guarantee of income, employment, clients, savings or investment returns.
  • An accredited or regulated qualification. Certificates confirm attendance only.

See the disclaimer, which forms part of these terms.

4. Eligibility

You must be at least [[AGE]] years old to enrol, or have the written consent of a parent or guardian where [[STATE APPLICABLE RULE]]. You confirm that the information you give at enrolment is accurate.

5. Prices and payment

  • The group programme is $130 and the one-to-one programme is $250, per person, for the whole programme, unless stated otherwise at checkout.
  • Prices are in US dollars. [[STATE VAT / SALES TAX TREATMENT]]
  • Payment is due in full before the first session unless a written instalment arrangement has been agreed. [[STATE INSTALMENT POLICY]]
  • Accepted payment methods: [[LIST METHODS]]. Payments are processed by [[PAYMENT PROVIDER]], subject to their own terms.
  • Any currency conversion cost, bank fee or local tax charged on your side is your responsibility.
  • Your place is confirmed only when payment has cleared.

6. Cancellation and refunds

Refunds are governed by the refund policy, which forms part of these terms. In summary, a full refund is available up to the start of the second session of either programme. [[ADD ANY STATUTORY WITHDRAWAL RIGHT THAT APPLIES IN YOUR JURISDICTION, e.g. a 14-day right for consumers, AND HOW IT INTERACTS WITH IMMEDIATE ACCESS TO DIGITAL MATERIALS]]

7. Attendance, rescheduling and missed sessions

  • Group: sessions run at a fixed time. Missed sessions are covered by the recording. You may move to a later cohort once at no charge if you notify us before the third session.
  • One-to-one: sessions may be rescheduled with at least 24 hours' notice. A session cancelled with less notice, or missed without notice, may be treated as delivered.
  • A programme must be completed within [[N]] months of the start date unless we agree otherwise in writing.

8. Your obligations

  • Provide accurate information and, where the programme requires it, your own genuine figures.
  • Do not record, transcribe or redistribute sessions without written permission.
  • Do not share your access credentials or materials with anyone else.
  • Treat other students and the instructor with respect, and keep what is said in group sessions confidential.
  • Do not use the cohort chat or sessions to sell, recruit, promote schemes or distribute referral links.

9. Conduct and removal

We may suspend or remove a student, without refund, for harassment or abuse of any participant, for sharing paid materials, for using the programme to promote schemes to other students, or for repeated serious breach of these terms. Where the breach is minor or accidental we will warn you first.

10. Intellectual property

All course materials, worksheets, calculators, templates, recordings and written content remain the property of [[LEGAL ENTITY NAME]]. On payment you receive a personal, non-transferable, non-exclusive licence to use them for your own purposes indefinitely. You may not resell them, publish them, teach from them commercially, or use them to train an automated system, without written permission. Documents you create using our templates, containing your own data, belong to you.

11. Testimonials and case studies

We will not publish your name, words or situation without separate written permission, and you may withdraw that permission at any time.

12. Liability

We provide education. Decisions you take about your money are yours. To the fullest extent permitted by law:

  • We exclude liability for any investment loss, business loss, lost profit, lost opportunity, or loss arising from decisions you make following the programme.
  • Our total liability in connection with a programme is limited to the amount you paid for it.
  • Nothing in these terms excludes liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be excluded.
  • Statutory consumer rights in your country are unaffected.

13. Availability

We aim to keep the website and materials available but do not guarantee uninterrupted access. Occasional maintenance, platform outages or third-party failures may interrupt service. Where a live session cannot go ahead for a reason within our control, it will be rescheduled.

14. Third-party links and tools

Materials may mention external platforms, tools or authorities. We receive no commission or referral fee from anyone. We are not responsible for third-party content, terms or fees.

15. Force majeure

Neither party is liable for failure to perform caused by events beyond reasonable control, including illness, power or network failure, natural events, and government action. Where such an event prevents delivery, sessions are rescheduled or the unused portion refunded.

16. Complaints

Write to [[EMAIL ADDRESS]] describing the problem and what you would like done. We acknowledge within [[N]] working days and reply within [[N]]. [[ADD ANY ALTERNATIVE DISPUTE RESOLUTION BODY THAT APPLIES IN YOUR JURISDICTION]]

17. Changes to these terms

We may update these terms for future enrolments. The terms that apply to you are those published on the day you enrol, and we keep a copy.

18. Governing law

These terms are governed by the law of [[JURISDICTION]] and the courts of [[JURISDICTION]] have exclusive jurisdiction, without affecting any mandatory consumer protection you have where you live.

19. General

If any provision is found unenforceable, the rest continues in force. Failure to enforce a term is not a waiver of it. These terms, together with the privacy policy, refund policy, cookie policy and disclaimer, are the entire agreement between us.