Terms and Conditions
Last updated: May 25, 2026
The terms "we", "us" and "our" refer to Kellcat, a DBA of Kellcat Bookkeeping, LLC ("Company"). These Terms & Conditions (the "Terms") govern your use and access to our websites, including kellcat.com, kellcatbookkeeping.com, kellcatfinancial.com, kellcat.financial, check.kellcat.com, and any subdomains, social media channels, or emails associated with the Company (collectively the "Website"), or use or purchase of our services and/or products (individually and collectively the "Services"), including but not limited to bookkeeping services, financial dashboard design, advisory services, Financial Starter Kits, Financial Clarity Calls, the Financial System Health Check, and any digital products or downloadable resources offered by Kellcat.
Please read these Terms carefully before accessing or using our Website. By accessing or using any part of our Website, submitting a form, joining a waitlist, booking a call, or purchasing a product or service, you agree to be bound by these Terms. If you do not agree to all of these Terms, then you may not access or use the Website or any of our Services.
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.
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)
check.kellcat.com (Financial System Health 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.
PRIVACY POLICY
See Company's Privacy Policy at https://kellcat.com/privacy-policy-8219 for information and notices concerning Company's collection, use, and protection of your personal information, including information submitted through forms, waitlists, health check assessments, and email signups.
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.
FOR LAWFUL PURPOSES
You agree to use the Website for legitimate, non-commercial 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.
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.
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.
FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY
All information provided through the Website or Services - including Financial Starter Kits, the Financial System Health Check, dashboard reports, advisory sessions, emails, and any other content - are 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.
AI-ASSISTED WORK DISCLOSURE
Kellcat uses artificial intelligence (AI) tools to assist with certain repetitive tasks, including drafting plain-English monthly summaries, pattern review, and report generation. All AI-assisted content is reviewed, edited, and approved by Brian Kelly before it is delivered to clients. By engaging with Kellcat's Services, you acknowledge and consent to the use of AI-assisted tools as part of our service delivery process, subject always to human review and approval. Specifically, Kellcat uses Anthropic's Claude AI platform to generate Financial System Health Check reports and to assist with certain client-facing written summaries. Use of these AI tools is subject to Anthropic's usage policies at anthropic.com/legal.
SERVICES DESCRIPTION
Kellcat offers the following Services:
Clean Books (Layer 1): Monthly bookkeeping close, account categorization, reconciliation, plain-English summary, and Loom video walkthrough.
Clear Picture (Layer 2): Everything in Clean Books, plus a custom Klipfolio financial dashboard built over a structured 12-week process, with ongoing dashboard maintenance. Advisory calls are available as an optional paid add-on.
Confident Decisions (Layer 3): Everything in Clean Books and Clear Picture, plus bi-weekly advisory partnership sessions, 30/60/90-day cash flow forecasting, budget vs. actual reviews, quarterly KPI reviews, annual business reviews, and a dedicated Slack channel.
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 Brian Kelly for Starter Kit buyers and active Clear Picture clients.
Financial System Health Check: A free self-assessment tool available at check.kellcat.com.
We reserve the right to discontinue, modify, or add Services at any time. All Services are subject to availability. Prices are subject to change.
CALL RECORDING AND TRANSCRIPTION DISCLOSURE
Discovery Calls, Financial Clarity Calls, and advisory sessions conducted as part of Confident Decisions engagements 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.
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:
- a. Digital products are delivered via email or client portal link immediately or within a reasonable time after purchase.
- b. Due to the digital and immediately accessible nature of these products, all sales of Financial Starter Kits are final. No refunds will be issued once the product has been delivered or accessed, except as required by applicable law. If you experience a technical issue preventing access, please contact [email protected] within 7 days of purchase.
- c. 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.
FINANCIAL CLARITY CALLS
Financial Clarity Calls are paid one-on-one working sessions with Brian Kelly. By purchasing a Clarity Call, you agree to the following:
- a. Clarity Calls are available to Kellcat Financial Starter Kit buyers and active Clear Picture clients only.
- b. Payment is due at the time of booking. Sessions not cancelled at least 24 hours in advance may be subject to forfeiture of payment.
- c. A written summary will be delivered to your client portal or email within 48 business hours of the session.
- d. Calls may be recorded and transcribed as described in Section 11.
- e. Clarity Calls are working sessions for financial visibility purposes. They do not constitute tax advice, legal counsel, or guaranteed financial outcomes.
MONTHLY BOOKKEEPING AND ADVISORY SERVICES
Monthly bookkeeping (Clean Books), dashboard services (Clear Picture), and advisory partnerships (Confident Decisions) are governed by a separate written Client Service Agreement 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 the ongoing service engagement.
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.
SCOPE OF SERVICES AND CHANGE ORDERS
Kellcat's Services are defined by the applicable service tier (Clean Books, Clear Picture, or Confident Decisions) as described in Section 10 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.
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.
WAITLIST AND FORM SUBMISSIONS
By submitting information through any form on the Website, including waitlist signups, contact forms, Health Check assessments, or 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.
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.
PAYMENTS
You agree to pay the price listed on the Website 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.
REFUND POLICY
Digital products (Financial Starter Kits) are non-refundable once delivered or accessed. 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 are governed by your signed Client Service Agreement. If you believe you have been charged in error, please contact [email protected] within 7 days.
LIMITED LICENSE
Your ability to view content on our Website grants you a limited, revocable, non-transferrable 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.
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, Health Check tools, assessment reports, and any free downloads or lead magnets.
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.
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.
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.
NO GUARANTEED OUTCOMES
Kellcat provides bookkeeping organization, financial visibility, dashboard design, and advisory services. Clean books, financial dashboards, and advisory sessions are tools for financial clarity - they do not guarantee specific business outcomes, tax savings, revenue growth, profitability, loan approval, 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.
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.
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.
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.
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, and advisory services as an independent contractor. Nothing in these Terms or Services constitutes legal, tax, investment, or financial planning advice.
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.
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.
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.
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.
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.
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.
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.
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.
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 the ongoing service engagement.
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.
The terms "we", "us" and "our" refer to Kellcat, a DBA of Kellcat Bookkeeping, LLC ("Company"). These Terms & Conditions (the "Terms") govern your use and access to our websites, including kellcat.com, kellcatbookkeeping.com, kellcatfinancial.com, kellcat.financial, check.kellcat.com, and any subdomains, social media channels, or emails associated with the Company (collectively the "Website"), or use or purchase of our services and/or products (individually and collectively the "Services"), including but not limited to bookkeeping services, financial dashboard design, advisory services, Financial Starter Kits, Financial Clarity Calls, the Financial System Health Check, and any digital products or downloadable resources offered by Kellcat.
Please read these Terms carefully before accessing or using our Website. By accessing or using any part of our Website, submitting a form, joining a waitlist, booking a call, or purchasing a product or service, you agree to be bound by these Terms. If you do not agree to all of these Terms, then you may not access or use the Website or any of our Services.
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.
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.
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)
check.kellcat.com (Financial System Health 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.
PRIVACY POLICY
See Company's Privacy Policy at https://kellcat.com/privacy-policy-8219 for information and notices concerning Company's collection, use, and protection of your personal information, including information submitted through forms, waitlists, health check assessments, and email signups.
See Company's Privacy Policy at https://kellcat.com/privacy-policy-8219 for information and notices concerning Company's collection, use, and protection of your personal information, including information submitted through forms, waitlists, health check assessments, and email signups.
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.
FOR LAWFUL PURPOSES
You agree to use the Website for legitimate, non-commercial 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.
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.
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.
FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY
All information provided through the Website or Services - including Financial Starter Kits, the Financial System Health Check, dashboard reports, advisory sessions, emails, and any other content - are 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.
AI-ASSISTED WORK DISCLOSURE
Kellcat uses artificial intelligence (AI) tools to assist with certain repetitive tasks, including drafting plain-English monthly summaries, pattern review, and report generation. All AI-assisted content is reviewed, edited, and approved by Brian Kelly before it is delivered to clients. By engaging with Kellcat's Services, you acknowledge and consent to the use of AI-assisted tools as part of our service delivery process, subject always to human review and approval. Specifically, Kellcat uses Anthropic's Claude AI platform to generate Financial System Health Check reports and to assist with certain client-facing written summaries. Use of these AI tools is subject to Anthropic's usage policies at anthropic.com/legal.
SERVICES DESCRIPTION
Kellcat offers the following Services:
Clean Books (Layer 1): Monthly bookkeeping close, account categorization, reconciliation, plain-English summary, and Loom video walkthrough.
Clear Picture (Layer 2): Everything in Clean Books, plus a custom Klipfolio financial dashboard built over a structured 12-week process, with ongoing dashboard maintenance. Advisory calls are available as an optional paid add-on.
Confident Decisions (Layer 3): Everything in Clean Books and Clear Picture, plus bi-weekly advisory partnership sessions, 30/60/90-day cash flow forecasting, budget vs. actual reviews, quarterly KPI reviews, annual business reviews, and a dedicated Slack channel.
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 Brian Kelly for Starter Kit buyers and active Clear Picture clients.
Financial System Health Check: A free self-assessment tool available at check.kellcat.com.
We reserve the right to discontinue, modify, or add Services at any time. All Services are subject to availability. Prices are subject to change.
CALL RECORDING AND TRANSCRIPTION DISCLOSURE
Discovery Calls, Financial Clarity Calls, and advisory sessions conducted as part of Confident Decisions engagements 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.
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:
- a. Digital products are delivered via email or client portal link immediately or within a reasonable time after purchase.
- b. Due to the digital and immediately accessible nature of these products, all sales of Financial Starter Kits are final. No refunds will be issued once the product has been delivered or accessed, except as required by applicable law. If you experience a technical issue preventing access, please contact [email protected] within 7 days of purchase.
- c. 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.
FINANCIAL CLARITY CALLS
Financial Clarity Calls are paid one-on-one working sessions with Brian Kelly. By purchasing a Clarity Call, you agree to the following:
- a. Clarity Calls are available to Kellcat Financial Starter Kit buyers and active Clear Picture clients only.
- b. Payment is due at the time of booking. Sessions not cancelled at least 24 hours in advance may be subject to forfeiture of payment.
- c. A written summary will be delivered to your client portal or email within 48 business hours of the session.
- d. Calls may be recorded and transcribed as described in Section 11.
- e. Clarity Calls are working sessions for financial visibility purposes. They do not constitute tax advice, legal counsel, or guaranteed financial outcomes.
MONTHLY BOOKKEEPING AND ADVISORY SERVICES
Monthly bookkeeping (Clean Books), dashboard services (Clear Picture), and advisory partnerships (Confident Decisions) are governed by a separate written Client Service Agreement 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 the ongoing service engagement.
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.
SCOPE OF SERVICES AND CHANGE ORDERS
Kellcat's Services are defined by the applicable service tier (Clean Books, Clear Picture, or Confident Decisions) as described in Section 10 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.
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.
WAITLIST AND FORM SUBMISSIONS
By submitting information through any form on the Website, including waitlist signups, contact forms, Health Check assessments, or 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.
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.
PAYMENTS
You agree to pay the price listed on the Website 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.
REFUND POLICY
Digital products (Financial Starter Kits) are non-refundable once delivered or accessed. 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 are governed by your signed Client Service Agreement. If you believe you have been charged in error, please contact [email protected] within 7 days.
LIMITED LICENSE
Your ability to view content on our Website grants you a limited, revocable, non-transferrable 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.
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, Health Check tools, assessment reports, and any free downloads or lead magnets.
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.
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.
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.
NO GUARANTEED OUTCOMES
Kellcat provides bookkeeping organization, financial visibility, dashboard design, and advisory services. Clean books, financial dashboards, and advisory sessions are tools for financial clarity - they do not guarantee specific business outcomes, tax savings, revenue growth, profitability, loan approval, 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.
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.
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.
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.
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, and advisory services as an independent contractor. Nothing in these Terms or Services constitutes legal, tax, investment, or financial planning advice.
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.
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.
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.
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.
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.
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.
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.
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.
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 the ongoing service engagement.
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.
How to Contact Us
Kellcat (a DBA of Kellcat Bookkeeping, LLC), 9187 Swan River Street, Littleton, CO 80125, Email: [email protected], Website: kellcat.com.
How to Contact Us
Kellcat (a DBA of Kellcat Bookkeeping, LLC), 9187 Swan River Street, Littleton, CO 80125, Email: [email protected], Website: kellcat.com.
Clean Books. Clear Picture. Confident Decisions.
Financial systems for real estate investors and small business owners. Built by an engineer with a CPA legacy. Based in Littleton, Colorado, we serve clients nationwide with deep roots in the Denver Metro area.
What We Do
Monthly Bookkeeping
Financial Dashboards
Advisory Partnership
Books Cleanup
Financial Starter Kits
Contact
Phone
(720) 257-9211
Location
Littleton, Colorado
Fully Remote Nationwide
Hours
Monday – Friday · Mountain Time