Privacy Policy

Effective Date: August 8, 2026

Form & Ledger (“Company,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit formandledger.com (the “Site”), purchase products, book a consultation, or otherwise interact with us. This Policy is incorporated by reference into our Terms & Conditions.

By using the Site, you agree to the practices described in this Policy.

1. Information We Collect

We may collect the following categories of information:

Contact information — name, email address, business name

Payment information — processed by our third-party payment processor; we do not store full card numbers

Order and transaction information — products purchased, consultation bookings, order history

Communications — messages you send us, consultation notes, support inquiries

Newsletter/marketing information — email address, if you opt in

Technical and usage information — IP address, browser type, device type, pages visited, referring URLs, collected automatically via cookies and analytics tools

2. How We Use Your Information

We use your information to:

Fulfill orders and deliver digital products
Schedule, conduct, and follow up on consultations
Process payments and comply with tax and accounting obligations
Respond to inquiries and provide customer support
Send you marketing communications, where you have opted in
Monitor, maintain, and improve the Site and our offerings
Detect and prevent fraud or misuse of our products and services

Legal bases (EU/UK users): we rely on contractual necessity (fulfilling your order), legal obligation (tax/accounting), legitimate interests (improving our Site and preventing fraud), and consent (marketing emails, non-essential cookies).

We do not use your information for purposes incompatible with those above, and we do not sell your personal information.

3. How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information with service providers who assist us in operating our website and conducting our business, as long as those parties agree to keep this information confidential.

We share information only as necessary, with:

Payment processors — to complete transactions
Email/marketing platforms — to deliver newsletters or product updates you’ve opted into
Analytics providers — to understand Site traffic and performance
Scheduling/consultation tools — to manage bookings
Professional advisors — accountants, attorneys, where necessary
Legal authorities — where required by law, subpoena, or to protect our legal rights

We do not sell or rent your personal information to third parties for their own marketing purposes.

4. Cookies & Tracking Technologies

The Site uses cookies and similar technologies to operate core functionality, remember preferences, and gather analytics. You can control cookies through your browser settings. Disabling certain cookies may limit Site functionality.

5. Data Retention

We retain personal information only as long as necessary to:

Fulfill the purposes described in this Policy
Comply with legal, tax, and accounting obligations (typically up to 7 years for financial records)
Resolve disputes and enforce our agreements

Newsletter data is retained until you unsubscribe. After retention periods lapse, data is securely deleted or anonymized.

6. International Data Transfers

If you are located outside the United States, your information will be transferred to and processed in the United States, where our systems and service providers operate. We take reasonable steps to ensure appropriate safeguards are in place for such transfers, consistent with GDPR requirements (e.g., Standard Contractual Clauses where applicable).

7. Your Privacy Rights
EU/UK Residents (GDPR)

You have the right to:

Access the personal data we hold about you
Correct inaccurate or incomplete data
Request deletion of your data
Restrict or object to certain processing
Receive your data in a portable format
Withdraw consent at any time (without affecting prior processing)
Lodge a complaint with your local data protection authority

8. California Residents (CCPA/CPRA)

You have the right to:

Know what personal information we collect, use, and disclose
Request deletion of your personal information
Correct inaccurate personal information
Opt out of the “sale” or “sharing” of personal information (we do not sell or share personal information as defined under CCPA)
Non-discrimination for exercising your rights

To exercise any of these rights, contact us using the information in Section 10 below. We may need to verify your identity before fulfilling a request.

9. Children’s Privacy

The Site is not directed to individuals under 18. We do not knowingly collect personal information from children.

10. Contact Us

For privacy questions, requests, or concerns, contact:

Form&Ledger Email: hello@formandledger.com

EU residents may also contact their local data protection authority. California residents may also contact the California Attorney General’s office.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective Date” above reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the updated Policy.