Terms & Conditions

Last Updated: June 19, 2026

Welcome to [capitalledgeradvisors.com](http://capitalledgeradvisors.com). These Terms & Conditions outline the rules, regulations, and guidelines for using the Capital Ledger Advisors website and our professional financial services. By accessing this website or engaging our services, you accept these terms in full.

1. Engagement of Services

Our professional engagement begins upon the mutual execution of a dedicated Service Agreement (or Engagement Letter) specifying the scope, billing structures, flat rates, and delivery schedule. The information on this website is for informational purposes only and does not constitute a formal binding service contract.

2. Client Responsibilities

To ensure accounting accuracy, timely payroll processing, and correct tax filings, clients must:

• Provide complete, accurate, and truthful financial records, bank statements, and invoice records in a timely manner.
• Review and approve payroll runs, tax estimates, and financial statement compilations before submission.
• Maintain security credentials for their business banking accounts and authorized software portals.

Capital Ledger Advisors relies on the figures and documents provided by the client and is not responsible for errors resulting from falsified, missing, or delayed documentation.

3. Fees, Billing, and Payments

Our billing arrangements are described in your specific Service Agreement. Unless otherwise specified:

• Monthly bookkeeping and payroll fees are billed in advance on the 1st of each month.
• Hourly consulting or one-time diagnostic audits require a deposit before starting work.
• Late or unpaid balances may result in a temporary suspension of ledger access and filing services.

4. Limitation of Liability

Our services constitute accounting compilation, bookkeeping, and consulting. Unless explicitly stated in a CPA service contract, our bookkeeping and tax preparation work does not constitute an official independent forensic audit. Capital Ledger Advisors is not liable for indirect, incidental, or consequential damages (including lost profits or IRS penalties resulting from client reporting delays).

5. Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Missouri. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the state and federal courts located in St. Charles County, Missouri.

6. Revisions

Capital Ledger Advisors reserves the right to modify these Terms & Conditions at any time. We recommend reviewing this page periodically to stay informed of changes.