Financial Disclaimer

Not professional advice

The content, tools, and calculators on Ledgely are provided for educational and informational purposes only. They do not constitute financial, legal, tax, accounting, or professional advice of any kind.

Ledgely is not a financial advisor, accountant, lawyer, or tax professional. The information on this Site should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

No accountant-client relationship

Use of the Site and its tools does not create an accountant-client, attorney-client, or financial advisor-client relationship between you and Ledgely or any of its contributors.

Calculator limitations

The calculators on this Site use simplified models. They are designed to provide reasonable estimates for typical situations, but they may not reflect your actual tax liability, business expenses, or financial outcomes.

Specific limitations include:

• Tax Estimator — Uses simplified federal tax brackets and may not account for state-specific deductions, credits, AMT, self-employment tax nuances, or your specific filing situation.
• Real Hourly Rate Calculator — Uses averages for common business expenses. Your actual costs may differ significantly.
• Break-Even Calculator — Assumes linear cost relationships. Real-world businesses often have step-fixed costs and variable demand.
• Debt Payoff Planner — Does not account for variable interest rates, fees, or penalties on existing debts.
• All calculators — Results are estimates only and should be verified with a qualified professional before making financial decisions.

Tax and legal information

Tax laws and regulations change frequently. Information on this Site may not reflect the most current legal developments. Always verify current rules with:

• IRS (irs.gov) for federal tax matters
• Your state's tax authority for state and local taxes
• A licensed CPA or tax professional in your jurisdiction
• A licensed attorney for legal questions

No guarantees

We make no representations or warranties about the accuracy, reliability, completeness, or timeliness of the content, tools, or calculators on this Site. Any reliance you place on such information is strictly at your own risk.

Third-party services

The Site may link to or integrate with third-party services. We are not responsible for the accuracy, legality, or content of any third-party service. Your use of third-party services is governed by their respective terms and privacy policies.

Changes to content

We reserve the right to modify, update, or remove any content on the Site at any time without notice.

Contact

If you have questions about this disclaimer, please contact us.