TERMS OF SERVICE

Effective Date: July 15^th, 2026

Welcome to the website of LuxBalance Ledger Solutions LLC (“LuxBalance,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the LuxBalance Ledger Solutions website, including any website pages, forms, resources, content, scheduling links, and other online features made available through our website (collectively, the “Website”).

By accessing or using the Website, you agree to these Terms. If you do not agree with these Terms, please do not use the Website.

1. About LuxBalance Ledger Solutions LLC

LuxBalance Ledger Solutions LLC provides bookkeeping, financial record organization, cleanup and catch-up bookkeeping, financial reporting, and related business support services.

Information presented on the Website is provided for general informational and educational purposes only.

LuxBalance Ledger Solutions LLC is not a law firm, bank, lender, investment adviser, or certified public accounting firm. Unless expressly stated in a separate written agreement, LuxBalance does not provide legal, tax, investment, lending, banking, or regulatory compliance advisory services, including anti-money laundering (AML) or Bank Secrecy Act (BSA) compliance advisory, investigative, or consulting services.

You should consult an appropriately licensed attorney, tax professional, certified public accountant, investment professional, or other qualified adviser regarding matters requiring specialized professional advice.

1.1 Founder Credentials and Separate Employment

LuxBalance’s founder holds professional certifications and industry experience, including Certified Anti-Money Laundering Specialist (CAMS) certification and related work performed in connection with separate, unaffiliated employment. These credentials and any related professional work are personal qualifications of the founder and are maintained and performed entirely outside of, and independently from, LuxBalance Ledger Solutions LLC.

Mention of these credentials on the Website is for general professional-background purposes only. It does not mean that LuxBalance offers AML, BSA, or other regulatory compliance advisory, investigative, or consulting services, and no such services are provided or implied through the Website or through any LuxBalance bookkeeping engagement. LuxBalance’s advisory services, where offered, are limited to bookkeeping-related financial organization, recordkeeping, and reporting insight, and do not constitute compliance advisory, investment advice, or tax advice.

2. No Client Relationship Created by Website Use

Accessing the Website, submitting an inquiry, joining an email list, scheduling a consultation, sending an email, or communicating with LuxBalance does not create a bookkeeper-client, advisory, fiduciary, or other professional relationship.

A client relationship begins only after LuxBalance and the client have entered into an applicable written service or engagement agreement.

The scope, responsibilities, fees, payment terms, and other conditions applicable to bookkeeping services are governed by the applicable written client engagement agreement, which is a separate document from these Terms.

If these Terms conflict with a signed client engagement agreement regarding paid services, the signed engagement agreement will control with respect to those services.

3. Website Information and No Guarantee of Results

We make reasonable efforts to provide accurate and useful information. However, financial, accounting, business, regulatory, and technology-related information may change.

We do not guarantee that Website content is complete, current, or appropriate for every business or circumstance.

Any examples, educational information, business insights, or financial organization information provided through the Website are general in nature.

LuxBalance does not guarantee any particular financial result, business outcome, tax result, profitability level, cash-flow improvement, financing approval, or other specific outcome.

Results may vary based on the accuracy and completeness of information provided, business activity, financial practices, third-party systems, and other circumstances outside our control.

4. User Responsibilities

When using the Website or submitting information to LuxBalance, you agree to provide information that is accurate and that you are authorized to provide.

You agree not to:

• Use the Website for unlawful or fraudulent purposes;
• Submit false, misleading, or deceptive information;
• Attempt to gain unauthorized access to the Website or related systems;
• Introduce viruses, malicious code, or other harmful technology;
• Interfere with the security or operation of the Website;
• Copy, reproduce, or commercially exploit Website content without authorization; or
• Use the Website in a manner that violates applicable law or the rights of another person or business.

5. Sensitive Financial Information

Please do not submit Social Security numbers, complete bank account numbers, passwords, login credentials, tax identification documents, copies of identification, or other highly sensitive financial or personal information through general Website contact forms or ordinary email unless specifically instructed to use an approved secure method.

Clients may be provided with separate systems, software platforms, portals, or procedures for securely exchanging information necessary to perform contracted services.

6. Third-Party Services and Links

The Website may contain links to third-party websites, platforms, software providers, scheduling services, accounting platforms, payment providers, social media platforms, or other external resources.

Third-party services operate under their own terms, privacy policies, and security practices. LuxBalance does not control and is not responsible for the content, availability, security, or privacy practices of third-party websites or services.

The inclusion of a third-party link does not necessarily constitute an endorsement or guarantee of that third party.

7. Referral and Affiliate Links

The Website may contain referral or affiliate links, including a referral link to QuickBooks.

LuxBalance may receive a referral benefit, account credit, commission, or other form of compensation if a visitor uses certain links or purchases or enrolls in a third-party product or service.

The use of a referral or affiliate link does not increase the user’s obligation to purchase a product or service. Visitors should independently evaluate whether a third-party product or service is appropriate for their needs.

Where required, LuxBalance will provide appropriate disclosure, adjacent to the applicable link, regarding a material connection or referral relationship.

8. Intellectual Property

Unless otherwise stated, the Website and its original content, including text, branding, graphics, service descriptions, educational materials, and other original materials, are owned by or licensed to LuxBalance Ledger Solutions LLC and are protected by applicable intellectual property laws.

You may view and use Website content for personal or internal business informational purposes.

You may not reproduce, distribute, sell, modify, publish, or commercially exploit Website content without prior written permission from LuxBalance, except as permitted by law.

9. Email Communications

If you voluntarily join our email list or otherwise request communications from LuxBalance, we may send bookkeeping tips, financial organization information, service information, business updates, or promotional communications.

You may unsubscribe from marketing emails using the unsubscribe method provided in the communication or by contacting us.

Administrative or service-related communications concerning an active client engagement may not be considered marketing communications.

10. Text and Telephone Communications

If you voluntarily provide a telephone number and request or consent to communication, LuxBalance may contact you by phone or text message regarding your inquiry, scheduled consultation, or services.

Providing a telephone number through the Website does not, by itself, authorize unrelated automated marketing communications where additional consent is required by law.

For any text messaging program: message and data rates may apply based on your mobile provider and service plan; message frequency may vary; and you may opt out at any time by replying “STOP,” or by contacting us directly using the information in Section 19.

11. Financial Institution Status and Information Security

Due to the nature of bookkeeping services — including access to client bank, credit card, and business financial records — LuxBalance may be considered a “financial institution” for purposes of the Gramm-Leach-Bliley Act (GLBA) and the FTC Safeguards Rule.

Details regarding the categories of nonpublic personal information LuxBalance collects, how that information is used and disclosed, and the safeguards LuxBalance maintains are described in our Privacy Policy. [INSERT / CONFIRM: reference to LuxBalance’s Written Information Security Program (WISP), once finalized, may be added here or in the Privacy Policy — recommend attorney review before publishing any specific WISP claims.]

12. Website Availability

We may modify, suspend, restrict, or discontinue any part of the Website at any time.

We do not guarantee that the Website will always be available, uninterrupted, secure, or error-free.

13. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

LUXBALANCE DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Nothing in this section limits rights that cannot legally be waived.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LUXBALANCE LEDGER SOLUTIONS LLC AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO USE OF THE WEBSITE.

THIS INCLUDES, WITHOUT LIMITATION, LOSSES ARISING FROM RELIANCE ON GENERAL WEBSITE INFORMATION, WEBSITE INTERRUPTIONS, THIRD-PARTY SERVICES, OR UNAUTHORIZED ACCESS OUTSIDE LUXBALANCE’S REASONABLE CONTROL.

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

15. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless LuxBalance Ledger Solutions LLC from claims, damages, liabilities, and reasonable costs arising from your unlawful misuse of the Website, your violation of these Terms, or your infringement of the rights of another person or entity.

16. Privacy

Our collection and use of personal information through the Website are described in our Privacy Policy.

By using the Website, you acknowledge that you have reviewed the Privacy Policy.

17. Children’s Privacy

The Website and LuxBalance’s services are intended for business owners and adults seeking bookkeeping or business financial organization services.

The Website is not directed to children under the age of 13, and LuxBalance does not knowingly solicit personal information from children under 13 through the Website.

18. General Provisions

Governing Law. These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Any dispute relating solely to use of the Website will be subject to applicable state and federal laws and the jurisdiction of courts having authority over the matter. Disputes arising from a client engagement may be governed by the terms of the applicable signed client agreement.

Severability. If any provision of these Terms is found unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Entire Agreement. As to use of the Website, these Terms and our Privacy Policy constitute the entire agreement between you and LuxBalance, superseding any prior understandings regarding Website use. This does not apply to a signed client engagement agreement, which is governed separately as described in Section 2.

No Waiver. LuxBalance’s failure to enforce any provision of these Terms is not a waiver of that or any other provision.

Assignment. LuxBalance may assign these Terms in connection with a merger, acquisition, or sale of business assets. You may not assign these Terms without LuxBalance’s prior written consent.

19. Changes to These Terms

We may update these Terms periodically to reflect changes in our Website, services, business practices, or legal requirements.

The updated Terms will be posted on the Website with a revised effective date.

Continued use of the Website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

20. Contact Us

Questions regarding these Terms may be directed to:

LuxBalance Ledger Solutions LLC

2929 Arch St, Suite 1700

Philadelphia, PA 19104

Email: lashay.tolson@luxbalanceledger.com

Phone: (484) 222-0874