Terms & Conditions

001Acceptance of these terms

These Terms & Conditions ("Terms") are a binding agreement between you and Ledgano, a brand of The Nelson M Group LLC ("Ledgano," "we," "us"). They govern your use of ledgano.com and related services, among them email and text-message programs (the "Services"). By using the Services or submitting a form, you agree to these Terms, our Privacy Policy, and, if you opt in to texts, our SMS Terms. Do not use the Services if you disagree with any of this.

002What Ledgano is, and is not

Ledgano is an information service. We publish general, plain-language information about everyday money topics for example budgeting, saving, bills, paychecks, and bank statements, and let visitors opt in to related updates. We do not offer loans, credit, bank accounts, or investments, give personal financial advice, or match or refer people to financial companies, and we do not share your details with banks, lenders, credit or investment companies, comparison sites, lead-generation companies, or any other partners.

• Decisions about your money are yours. Reading our content does not obligate you to do anything.
• Your bank, the company you deal with, or a qualified professional you choose, not Ledgano, is responsible for your accounts and any product terms.
• Results vary by person and situation. We never guarantee that you will save any amount or reach any particular result.

003Eligibility

Use of the Services requires that you be at least 18 years of age, located in the United States, and legally able to contract. You may submit details solely about yourself or about someone who has authorized you to act for them.

004Your information and accuracy

You are responsible for supplying accurate, current information and for updating it when it changes. Only a mobile number you own or are authorized to use may be provided. If your number changes or is reassigned, please reply STOP from the old number or contact us so that we do not message someone else.

005Communications and text-message consent

By opting in, you agree that we may reach you by email and, where you check the relevant boxes, by automated text messages as outlined in the SMS Terms. Consent to texts is optional, is not a condition of purchase or of using the Services, and may be withdrawn at any time by replying STOP. Message frequency varies. Message and data rates may apply. Reply HELP for help.

006Text messaging: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join at 888-669-3917, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 888-669-3917.

Mobile information and opt-in data are not sold or shared with third parties or affiliates for marketing or promotional purposes. See the Privacy Policy and SMS Terms.

Our text-message number is 888-669-3917.

007Acceptable use

The following are prohibited: (a) submitting false or misleading data, or information about someone else without authority; (b) unlawful, fraudulent, or abusive use of the Services; (c) disrupting the Services or attempting unauthorized access; (d) using bots or automation to submit forms; (e) copying, scraping, or reselling our content without permission; and (f) impersonating a person or entity. Breaking these rules may lead us to suspend or end your access.

008Third-party organizations and links

Organizations, programs, and products mentioned on or linked from the Services (for example government agencies, consumer groups, or banks) are operated by third parties. We do not endorse any product, plan, or provider, and we are not responsible for what those third parties do, publish, or deliver. Your relationship with any bank or financial company is between you and them.

009Intellectual property

The Services, such as the Ledgano name, logo, text, graphics, and design, are owned by us or our licensors and covered by intellectual property laws. Your license to view and use the Services is limited, revocable, non-exclusive, and non-transferable, and is for personal, non-commercial reasons. Site photographs are used under their respective free-use licenses.

010Disclaimers

The services and all content are offered "as is" and "as available," with no warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We make no promise that the services will run without interruption or error, be secure, or that messages will arrive, or arrive on time.

Ledgano does not provide financial, legal, or tax advice, and makes no representation about any savings amount, financial result, or product.

011Limitation of liability

As far as the law allows, Ledgano and The Nelson M Group LLC, and their members, managers, officers, employees, and agents, shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, or goodwill, that arise from or relate to your use of (or inability to use) the services or to any financial decision you make or fail to make. Total liability for any claim relating to the services is capped at one hundred U.S. dollars ($100).

Some of the limits above may be unenforceable where you live, since some jurisdictions disallow certain limitations. Liability that cannot be limited by law is not limited by these Terms.

012Indemnification

If your violation of these Terms, your misuse of the Services, or your submission of a phone number or other details you were not authorized to provide leads to claims, damages, or expenses (such as reasonable attorneys' fees), you agree to indemnify and hold harmless The Nelson M Group LLC and its affiliates and personnel.

013Disputes, governing law, and arbitration

Informal resolution first. Before you file any claim, reach us at [email protected] and allow us 30 days to try to resolve it before you file a claim.

Binding arbitration. Small-claims matters and claims for injunctive relief against intellectual-property misuse are excluded. Any other dispute between you and Ledgano or The Nelson M Group LLC that arises out of or relates to these Terms or the Services will be settled by final, binding, individual arbitration run by the American Arbitration Association under its Consumer Arbitration Rules. You pick whether the arbitration takes place in your county of residence or by video or phone. The arbitrator can grant the same individual relief a court could, and any court of competent jurisdiction may enter judgment on the award.

Class-action waiver. Subject to applicable law, you and Ledgano agree to proceed only on individual claims and give up the ability to participate as a plaintiff or class member in any class, collective, or representative action.

Opt-out. Arbitration is optional if, within 30 days of first accepting these Terms, you email [email protected] with "Arbitration Opt-Out" as the subject, and tell us your name and mobile number.

Governing law. The Federal Arbitration Act and the law of the state in which The Nelson M Group LLC has its principal place of business apply to these Terms, regardless of conflict-of-law rules. Where the arbitration clause does not apply, the state and federal courts in that state have exclusive jurisdiction.

014Termination

You may stop using the Services at any time, and may opt out of messages by replying STOP. We reserve the right to suspend or terminate access at our discretion, including for violations of these Terms. Disclaimers, limitation of liability, indemnification, disputes, and any other section that by its nature should survive will survive termination.

015Changes

These Terms may change from time to time. Any new version will be posted with a new "Last updated" date, and continuing to use the Services after its effective date means you accept it. Where the law requires notice of material changes, we will give it.

016General

These Terms, the Privacy Policy, and the SMS Terms make up the whole agreement between you and us on this subject. An unenforceable part does not affect the remainder, and our not enforcing a provision is not a waiver of it. You may not assign these Terms without our consent. We may assign them in connection with a merger or sale of the business.

017Contact us

Questions about these Terms? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: