Ledger & Oak Investments LLC — Terms of Use

Effective Date: October 4, 2026

These Terms of Use and End-User License Agreement (“Terms”) govern access to and use of websites, digital services, tools, and authorized third-party integrations operated by Ledger & Oak Investments LLC (“Ledger & Oak,” “we,” “us,” or “our”).

By accessing or using our website or authorized digital services, you agree to these Terms.

1. Purpose

Ledger & Oak Investments LLC is a holding and management company. We may use websites, software, digital tools, and third-party business platforms to support our internal operations, investments, administration, reporting, analysis, and management activities.

Certain services may connect with third-party platforms when access has been properly authorized.

2. Authorized Use

You may access or use Ledger & Oak digital services only for lawful and authorized purposes.

You may not:

  • attempt to gain unauthorized access to accounts, systems, data, or services;

  • bypass authentication, security, or access controls;

  • interfere with the operation or security of our systems;

  • use our services for fraudulent, deceptive, unlawful, or abusive purposes;

  • introduce malicious code or intentionally harmful material; or

  • access information belonging to another person or organization without authorization.

3. Third-Party Services and Integrations

Ledger & Oak may connect authorized third-party business services to support activities such as accounting, financial administration, document management, communications, reporting, analytics, and other business operations.

Use of a third-party service remains subject to that provider’s own terms, privacy policies, security practices, and availability.

Ledger & Oak does not control and is not responsible for interruptions, changes, errors, or actions of third-party providers outside our reasonable control.

4. Account Authorization

Where a third-party service requires authorization, users may connect only accounts that they own, administer, control, or are otherwise legally authorized to access.

Authorization to access information does not transfer ownership of that information to Ledger & Oak.

5. Business and Financial Information

Information produced through Ledger & Oak systems may incorporate information obtained from authorized business records, third-party platforms, calculations, analytics, or automated processes.

Such information is intended to support business operations and decision-making.

Users remain responsible for independently reviewing material information before relying upon it for tax filings, accounting entries, legal obligations, investments, payments, regulatory filings, or other significant decisions.

6. No Professional Advice

Unless expressly stated otherwise in writing, information provided through Ledger & Oak websites or digital services does not constitute legal, tax, accounting, investment, or other professional advice.

Professional advice should be obtained from an appropriately qualified advisor when necessary.

7. Intellectual Property

Ledger & Oak retains all rights in its websites, software, business methods, documentation, designs, trademarks, content, and other proprietary materials, except where otherwise stated.

Nothing in these Terms transfers ownership of Ledger & Oak intellectual property to a user.

Third-party trademarks and intellectual property remain the property of their respective owners.

8. Security

Ledger & Oak uses administrative, technical, and organizational safeguards intended to protect its systems and information from unauthorized access, use, alteration, or disclosure.

However, no electronic system, network, storage mechanism, or transmission method can be guaranteed to be completely secure.

9. Availability

We may change, suspend, restrict, or discontinue any website, service, feature, or integration when reasonably necessary for operational, security, legal, technical, or business reasons.

We do not guarantee uninterrupted or error-free availability.

10. Disclaimer of Warranties

To the extent permitted by applicable law, Ledger & Oak websites and digital services are provided on an “as is” and “as available” basis.

Ledger & Oak makes no warranty that services will always be uninterrupted, error-free, or suitable for every particular purpose.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Ledger & Oak will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages resulting from use of or inability to use its websites or digital services.

Nothing in these Terms limits liability where limitation is prohibited by law.

12. Suspension or Termination

Ledger & Oak may restrict or terminate access to its systems or services when reasonably necessary to:

  • protect security;

  • prevent unauthorized activity;

  • comply with law;

  • enforce these Terms; or

  • protect Ledger & Oak, its assets, users, or third parties.

13. Changes to These Terms

We may update these Terms as our operations, technology, services, or legal obligations change.

The effective date shown at the top identifies the current version.

14. Governing Law

These Terms are governed by applicable United States law and the laws applicable to Ledger & Oak Investments LLC, except where another jurisdiction’s law is required to apply.

15. Contact

Questions regarding these Terms may be submitted through the contact information provided at:

Ledger & Oak Investments LLC
https://www.ledgeroakinvestments.com/