Kellcat · Legal

Terms and Conditions

Last updated: October 9, 2026

1. Accessing the Website

In order to access the Website, you must obtain access to the World Wide Web through devices that access web-based content and pay any service fees associated with such access. We reserve the right to modify, suspend or discontinue, whether temporarily or permanently, the Website (or any part thereof) for any reason and without notice. You agree that Company shall not be liable to you or to any third party for any modification, interruption, suspension or discontinuance of the Website. We are not responsible for delay or failure of our performance caused by events beyond our reasonable control, including acts of war, natural disaster, electrical or internet outages, or government restrictions.

2. Covered Domains and Properties

These Terms apply to all websites and digital properties owned or operated by Kellcat, a DBA of Kellcat Bookkeeping, LLC, including but not limited to:

kellcat.com (primary website)
kellcatbookkeeping.com (legacy domain)
kellcatfinancial.com
kellcat.financial
check.kellcat.com (Financial Clarity Check application)
Any future subdomains or domains owned by Kellcat
All associated email communications, automated email sequences, lead magnet delivery, and GHL-powered automation flows

Access to or use of any of these properties constitutes acceptance of these Terms.

3. Privacy Policy

See Company's Privacy Policy at kellcat.com/privacy-policy for information and notices concerning Company's collection, use, and protection of your personal information, including information submitted through forms, waitlists, Financial Clarity Check assessments, and email signups.

4. Intellectual Property

Unless explicitly stated otherwise, Company owns all rights, titles, and interest in and to the Website and Services, including Website content, organization, graphics, design, artwork, digital products, assessment tools, dashboard frameworks, compilation, and other matters related to or included on the Website and Services. The Kellcat name, logo, submark, and all related names, product and service names, designs, artwork, and slogans are Company's trademarks and you must not use these marks without our prior written permission. Any unauthorized use, dissemination, reproduction, or copying of any content on the Website or Services will be prosecuted to the fullest extent of the law.

5. For Lawful Purposes

You agree to use the Website for lawful purposes only. You shall not post or transmit through the Website any material which violates or infringes our rights or the rights of others, or which is threatening, abusive, defamatory, libelous, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, or which encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any law.

6. No Users Under 18 Years Old

The Website and Services are only for users 18 years of age or older. If you are under the age of 18, please do not attempt to register, submit forms, or provide any personal information to us.

7. International Users

The Service is controlled, operated and administered by Kellcat from our offices within the USA. Kellcat is a US-based business and our Services are intended primarily for US residents. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use Kellcat content in any country or manner prohibited by applicable laws, restrictions, or regulations.

8. For Educational and Informational Purposes Only

All information provided through the Website or Services, including Financial Starter Kits, the Financial Clarity Check and its reports, free guides, dashboard reports, advisory sessions, workshops, emails, and any other content, is for educational and informational purposes only. The information is not a substitute for personalized professional advice and shall not be understood as legal, financial, tax, medical, health, or any other professional advice. Kellcat provides bookkeeping organization, financial systems, and financial visibility services, not tax preparation, tax advice, legal counsel, or investment advice. Tax questions that come up in the course of the Services are referred to the client's CPA or tax professional.

9. AI-Assisted Work Disclosure

Kellcat uses artificial intelligence (AI) tools, including Anthropic's Claude, to assist with certain tasks, such as drafting plain-English monthly summaries and KPI reports, reviewing transaction patterns, preparing reports and forecasts, and generating Financial Clarity Check reports.

Human review. All AI-assisted work delivered to clients is reviewed, edited, and approved by Kellcat before it is delivered. Kellcat remains responsible for the work it delivers.
Financial Clarity Check reports. Financial Clarity Check reports are generated automatically by AI from your answers and are not individually reviewed. They are general and informational, as described in the For Educational and Informational Purposes Only section.
Your information. Information you provide, including client financial data shared for service delivery, may be processed by AI tools solely to deliver the Services, as described in the Privacy Policy. Kellcat does not use client data to train AI models. Use of these tools is also subject to the providers' own terms, such as Anthropic's usage policies at anthropic.com/legal.

By engaging with Kellcat's Services, you acknowledge and consent to the use of AI-assisted tools as part of the service delivery process, as described above.

10. Services Description

Kellcat offers the following Services:

Discovery Call: A free call to talk through your business, your books, and whether Kellcat is the right fit.
Books & Numbers Review: A free review of where your books and numbers stand, with a recommended next step.
Clean Books (Layer 1): Monthly bookkeeping close, account categorization, and reconciliation, plus a core financial dashboard, a short monthly email summary, and a 15-minute check-in call each quarter.
Clear Picture (Layer 2): Custom business dashboards that connect your books with the other software you use to run your business, so you can see the big picture across every part of it. Dashboards are built in Databox or Klipfolio during a one-time build of up to 90 days, with early-warning targets on key numbers and ongoing dashboard maintenance. Each month includes a KPI report by email every two weeks with a short action plan and a recorded video walkthrough of the dashboard. A monthly 30-minute call is available as an optional paid add-on. Clear Picture can work with the client's existing bookkeeper, or monthly bookkeeping can be added for an additional fee.
Confident Decisions (Layer 3): Everything in Clear Picture, plus a Cash Plan (plan vs. actual for each area of the business), a weekly cash report, a rolling 13-week cash forecast, a revenue, cost, and profit forecast reviewed each quarter, and two 30-minute calls per month. In the last month of each quarter, one of those calls serves as the quarterly KPI review. Availability is limited. Monthly bookkeeping can be added for an additional fee.
Scenario planning and forecasting (optional add-on): Financial planning beyond the scope of Confident Decisions, such as scenario planning and longer-range or multi-entity forecasts, scoped and confirmed in writing.
Books Cleanup and Catch-Up: One-time projects to correct, reconcile, and bring books current, scoped and priced in writing after a review of the books. Cleanup is separate from any dashboard setup.
Accounting Architecture for Fintech and Tech-Enabled Startups: Revenue recognition frameworks, chart of accounts and journal entry framework design, accounting platform setup, banking and payment platform integrations, and a written build specification for the client's engineering team, scoped as a project and confirmed in writing.
Workshops and Training: Group or one-on-one sessions on bookkeeping, financial systems, and reading your numbers.
Financial Starter Kits: Self-guided digital downloadable products (templates, trackers, and guides) designed for specific business types.
Financial Clarity Calls: Paid one-on-one working sessions with Kellcat for Starter Kit buyers and active Clear Picture clients.
Financial Clarity Check: A free self-assessment at check.kellcat.com that scores your business across four pillars of financial clarity and emails you a personalized report.
Free Guides: Downloadable guides offered free in exchange for your name and email address.

We reserve the right to discontinue, modify, or add Services at any time. All Services are subject to availability. Prices are subject to change.

11. Call Recording and Transcription Disclosure

Discovery Calls, Books & Numbers Reviews, Financial Clarity Calls, advisory sessions, and other client calls may be recorded and transcribed. Summaries and action items derived from recorded sessions will be delivered to your client portal or email within 48 business hours of the session. By booking or participating in any call with Kellcat, you consent to recording and transcription for the purposes of service delivery, summary preparation, and quality review. Recordings are not shared publicly or with third parties without your express written consent.

Monthly video walkthroughs of client dashboards are recorded by Kellcat and shared privately with the client through a private link or the client portal. They are not shared publicly or with third parties without your express written consent.

12. Digital Products: Financial Starter Kits

Financial Starter Kits are digital downloadable products delivered electronically upon purchase confirmation. By purchasing a Starter Kit, you agree to the following:

Digital products are delivered via email or client portal link immediately or within a reasonable time after purchase.
Because Starter Kits are delivered digitally and can be used right away, they are covered by a limited 14-day "it works for you" promise instead of an unconditional refund. If, within 14 days of purchase, you have followed the Quick Start in the kit's guide and the tracker is not working for you, email [email protected] and describe what is not working. We will first try to help you resolve it. If we cannot, we will refund your purchase in full.
Refunds under this promise are limited to one per customer. When a refund is issued, your license to use the Starter Kit ends, and you agree to stop using and delete all copies of the files. Requests made after 14 days, or that do not meet these conditions, may be declined, except where a refund is required by applicable law.
If you experience a technical issue preventing access to your files, please contact [email protected] and we will resend them.
You are granted a limited, personal, non-exclusive, non-transferable license to use the digital product for your own personal and internal business use only. You may not reproduce, resell, share, distribute, or create derivative works from any Starter Kit without express written consent from Kellcat.

13. Financial Clarity Calls

Financial Clarity Calls are paid one-on-one working sessions with Kellcat. By purchasing a Clarity Call, you agree to the following:

Clarity Calls are available to Kellcat Financial Starter Kit buyers and active Clear Picture clients only.
Payment is due at the time of booking. Sessions not cancelled at least 24 hours in advance may be subject to forfeiture of payment.
A written summary will be delivered to your client portal or email within 48 business hours of the session.
Calls may be recorded and transcribed as described in Section 11 (Call Recording and Transcription Disclosure).
Clarity Calls are working sessions for financial visibility purposes. They do not constitute tax advice, legal counsel, or guaranteed financial outcomes.

Kickstart Calls (Kit + Kickstart Call bundle). The Kit + Kickstart Call bundle includes a Financial Starter Kit and one 60-minute setup call on Google Meet. You will receive a link to book your call after checkout. The bundle is fully refundable at any time before the Kickstart Call takes place. After the call, the 14-day "it works for you" promise in Section 12 applies to the Starter Kit portion of the purchase ($97), and the call itself is non-refundable. The rescheduling, recording and no-advice terms for Clarity Calls in this Section also apply to Kickstart Calls.

14. Monthly Bookkeeping, Advisory, and Project Services

Monthly bookkeeping (Clean Books), dashboard services (Clear Picture), advisory partnerships (Confident Decisions), scenario planning and forecasting add-ons, and project work such as books cleanup and accounting architecture are governed by a separate written Client Service Agreement or signed proposal executed prior to engagement. In the event of any conflict between these Terms and a signed Client Service Agreement, the Client Service Agreement shall control with respect to that engagement.

15. Client Responsibilities

Clients engaging Kellcat for any ongoing or one-time Service agree to the following responsibilities:

Accuracy of Information. Clients are responsible for providing accurate, complete, and timely financial information, bank statements, receipts, records, and any other documentation necessary for Kellcat to perform the Services. Kellcat is not responsible for errors, omissions, or inaccuracies in the financial records that result from incomplete or inaccurate information provided by the client.
Record Maintenance. Clients are responsible for maintaining their own complete financial records. Kellcat's work product supplements but does not replace the client's own record-keeping obligations.
Financial Decisions. All financial decisions, including hiring, purchasing, investing, pricing, and growth decisions, remain solely the responsibility of the client. Kellcat provides financial clarity and visibility; the client is the decision-maker.
Notification of Material Changes. Clients are responsible for promptly notifying Kellcat of any material changes to their business structure, ownership, accounting platform, banking relationships, or financial circumstances that may affect the delivery of Services.
Platform Access. Clients are responsible for granting and maintaining appropriate access levels to accounting platforms, banking platforms, and any other tools necessary for Kellcat to perform the agreed Services. Kellcat will not be responsible for service delays caused by access issues within the client's control.
Timely Communication. Clients agree to respond to Kellcat's reasonable requests for information, documentation, or clarification within a reasonable timeframe to enable timely delivery of Services.

16. Scope of Services and Change Orders

Kellcat's Services are defined by the applicable service tier (Clean Books, Clear Picture, or Confident Decisions) or project as described in Section 10 (Services Description) and in the signed Client Service Agreement. Work that falls outside the agreed service tier or scope will be treated as follows:

Out-of-Scope Requests. Any request for work that falls outside the agreed service scope, including but not limited to catch-up bookkeeping, additional entity books, special reporting, app consulting, loan covenant tracking, 1099 prep coordination, business plan financial narratives, and other services listed as a la carte add-ons, will be identified by Kellcat as out of scope.
Written Change Orders. Out-of-scope work will be separately scoped, priced, and confirmed in writing by both parties before work begins. No out-of-scope work will be undertaken without a written change order or separate service agreement.
A La Carte Services. Active clients have access to additional a la carte services available upon request. These services are priced separately and confirmed in writing before work begins.

Kellcat reserves the right to decline out-of-scope requests that are not consistent with Kellcat's service model or capacity.

17. Confidentiality and Non-Disclosure

Both parties acknowledge that in the course of the service relationship, each party may have access to confidential and proprietary information belonging to the other party.

Client Confidential Information. Kellcat agrees to treat all client financial data, business records, strategies, plans, and other non-public business information shared in the course of the service relationship as strictly confidential. This information will not be disclosed to any third party except as expressly necessary to deliver the agreed Services or as required by law. Kellcat personnel with access to client information are bound by confidentiality obligations.
Kellcat Proprietary Information. Clients agree to maintain the confidentiality of any proprietary tools, templates, dashboard frameworks, methodologies, processes, and systems provided by Kellcat in the course of the service relationship. Clients may not share, reproduce, resell, or distribute Kellcat's proprietary work product without express written consent.
Third-Party Accounting Platform Access. Any access credentials or permissions granted by the client to Kellcat for accounting platforms, banking platforms, or other financial tools will be used solely for the purpose of delivering the agreed Services and will be treated as strictly confidential. Kellcat will not access any data beyond what is necessary for service delivery.
Upon Termination. Upon termination of the service relationship, each party will cease using the other party's confidential information. Kellcat will revoke or surrender any platform access credentials provided by the client upon request or within a reasonable time following termination of the engagement.
Exceptions. Confidentiality obligations do not apply to information that is or becomes publicly available through no fault of the receiving party, was already known to the receiving party prior to disclosure, is independently developed by the receiving party, or is required to be disclosed by law or court order.

18. Waitlist and Form Submissions

By submitting information through any form on the Website, including waitlist signups, contact forms, Books & Numbers Review requests, Financial Clarity Check assessments, free guide requests, or other lead magnet opt-ins, you consent to receiving communications from Kellcat related to your submission. Your information will be handled in accordance with our Privacy Policy at kellcat.com/privacy-policy. You may unsubscribe from marketing communications at any time.

19. User Accounts and Client Portal

You agree that any information you provide to the Company will always be accurate, correct and up-to-date. Client portal credentials may only be used by you and may not be shared. You agree to keep your credentials confidential and will be responsible for all use of your account. We reserve the right to terminate access in our sole discretion.

20. Payments

You agree to pay the price listed on the Website or in your signed proposal or Client Service Agreement at the time of purchase.
All payments shall be in U.S. dollars. Sales tax will be added where required by applicable law.
For recurring monthly engagements, you consent to recurring charges to your payment method without requiring prior approval for each charge, until cancellation in accordance with your signed Client Service Agreement.
We reserve the right to correct pricing errors and refuse or cancel any order placed at an incorrect price.

21. Refund Policy

Financial Starter Kits are covered by the 14-day "it works for you" promise described in Section 12. The Kit + Kickstart Call bundle is fully refundable before the Kickstart Call takes place, as described in Section 13. Financial Clarity Calls cancelled more than 24 hours before the scheduled session may be rescheduled once within 30 days. Sessions not cancelled at least 24 hours in advance are non-refundable. Refunds for monthly service engagements and projects are governed by your signed Client Service Agreement. If you believe you have been charged in error, please contact [email protected] within 7 days.

22. Limited License

Your ability to view content on our Website grants you a limited, revocable, non-transferable license to use the information for your personal, non-commercial use only. Purchased digital products grant you a limited, personal, non-exclusive, non-transferable license for your own personal and internal business use only. You may not publish, modify, copy, reproduce, create derivative works of, reverse engineer, resell, or exploit any Website content or purchased products without express written consent.

23. No Resale of Services or Website Content

You agree not to reproduce, duplicate, copy, sell, resell, create derivative works, or exploit for any commercial purpose any portion of the Services, Website content, or digital products without our express prior written consent. This includes Financial Starter Kits, dashboard frameworks, Financial Clarity Check tools, assessment reports, workshop materials, free guides, and any other free downloads or lead magnets.

24. Affiliate Disclaimer

This Website may contain links to affiliate websites, and we may receive an affiliate commission for purchases made through such links. Affiliate relationships do not affect our editorial content or recommendations.

25. Testimonials Disclaimer

The Website may contain testimonials by users of our Services. These testimonials reflect the real-life experiences and opinions of those individual users. Your individual results may vary. Testimonials are not paid endorsements unless explicitly stated.

26. Personal Responsibility

Your decision to use information on our Website, purchase our Services, or engage with our digital products is purely voluntary. You understand we are not responsible or liable for any harm or damage to you or your business resulting from direct or indirect use of our materials or Services. You agree to hold Company harmless from any damages directly or indirectly resulting from your use of our Website or Services.

27. No Guaranteed Outcomes

Kellcat provides bookkeeping organization, financial visibility, dashboard design, advisory, and accounting architecture services. Clean books, financial dashboards, forecasts, and advisory sessions are tools for financial clarity. They do not guarantee specific business outcomes, tax savings, revenue growth, profitability, loan approval, funding, investment returns, or any other financial result. Any financial examples, results, or outcomes described on the Website are for illustrative purposes only. You are solely responsible for your own financial decisions and their results.

28. No Warranties

The Website and Services are provided on an "as is" and "as available" basis. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTY THAT THE WEBSITE AND SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

29. Limitation of Liability

You agree that Company shall not be liable to you for any type of damages, including direct, indirect, special, incidental, equitable, or consequential loss or damages for use of the Website and/or Services. Our liability to you under any circumstance is limited to the greater of one hundred dollars ($100) or the amount you have paid us in the twelve (12) months before the event giving rise to your claims.

30. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, and agents for any losses, costs, liabilities, and expenses (including reasonable attorneys' fees) relating to or arising out of your use of or inability to use the Website and Services, your violation of any terms of this Agreement, or your violation of any rights of a third party or applicable laws.

31. Independent Contractor

Nothing in this Agreement shall be construed to create a partnership, joint venture, employment, or agency relationship between you and Kellcat. Kellcat provides bookkeeping, financial systems, dashboard, advisory, and accounting architecture services as an independent contractor. Nothing in these Terms or Services constitutes legal, tax, investment, or financial planning advice.

32. Shared Information

Information you provide or share with us, including through emails, forms, calls, or the client portal, will be handled in accordance with our Privacy Policy. Call recordings and transcripts are used solely for service delivery purposes and are not shared publicly or with third parties without your express written consent.

33. Feedback and Testimonials

With your prior permission, you agree that the Company has the right to use your feedback, testimonials, reviews, or other content you provide, for the purposes of marketing or promoting the Company's services and/or products.

34. Dispute Resolution

Should any dispute arise, you agree to resolve any claim or controversy arising out of or relating to these Terms by Mediation in Colorado, USA by the American Arbitration Association, Dispute Resolution Services. If the dispute is not resolved within thirty (30) calendar days after it is referred to the mediator, it shall be settled by binding arbitration in Colorado, USA. Costs of arbitration, including attorney fees, will be allocated by the arbitrator.

35. Class Action Waiver

Any arbitration under these Terms will take place on an individual basis. Class arbitrations and class/representative/collective actions are not permitted. A party may bring claims against the other only in each's individual capacity.

36. Governing Law

This agreement is governed by the laws of the State of Colorado. You hereby consent to the exclusive jurisdiction and venue of courts in Colorado in all disputes arising out of or relating to the use of the Website or Services.

37. Termination

The Company reserves the right, in its sole discretion, to terminate your access to the Website and/or Services or any portion thereof at any time, without notice.

38. Severability

If any term or provision of this Agreement is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable in any jurisdiction, such invalidity shall not affect any other term or provision of this Agreement.

39. Waiver

Company's waiver of any provision of these Terms shall not constitute a waiver of any other provision. No waiver shall be binding unless executed in writing by an authorized representative of the Company.

40. Entire Agreement

These Terms, together with any signed Client Service Agreement and our Privacy Policy, constitute the entire agreement between you and Kellcat with respect to the Website and Services and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written. In the event of any conflict between these Terms and a signed Client Service Agreement, the Client Service Agreement shall control with respect to that engagement.

41. Changes to Terms

The Company reserves the right, in its sole discretion, to change these Terms at any time. The most current version will supersede all previous versions. The date at the top of this document reflects the most recent revision. We encourage you to periodically review these Terms.

42. How to Contact Us

Kellcat (a DBA of Kellcat Bookkeeping, LLC)
9187 Swan River Street
Littleton, CO 80125
Email: [email protected]
Website: kellcat.com