Terms of enrollment

Effective date: [effective date, owner to set]
Provider: [company legal name, owner to set], [mailing address, owner to set] ("Ledger & Agent", "we", "us").
Contact: [support email, owner to set]

These terms are an agreement between you and us. Each seat is sold to one person, at one price per seat. By checking the box on the payment page you accept them.

1. What you are buying

You are buying one seat in one cohort of one of our four online programs. Each program has one price per seat. There is no team price; for several people, see "Team training" below.

AI You Can Sign Off On [working title, owner to set] (the four-week course; US $1,495 per seat):

• 4 weekly live sessions of 60 minutes, on the dates and times published on the enrollment page before enrollment opens.
• About one to two hours of coursework a week, submitted in the portal, with written feedback.
• A final deliverable [final deliverable name and description, owner to set].
• Recordings of every live session, posted to the portal within 24 hours.
• All exercises use the fictional company Northwind Supply Co. (section 11).
• [Seat cap, owner to set] [whether this course counts toward AI for Accounting Professionals, owner to set]
• Completion: you complete the course when all four weekly submissions and the final deliverable have been accepted [completion rule, owner to set].

AI for Accounting Professionals (US $2,950 per seat; for staff and senior accountants; first cohort dates [dates, owner to set]):

• 8 weeks, with one live 60-minute session each week, on [day and time, owner to set].
• Weekly coursework submitted in the portal, with written feedback.
• A capstone project built across the weeks and finished in Weeks 9 and 10 [capstone description, owner to set].
• A discussion forum shared with the whole cohort.
• Recordings of every live session, posted to the portal within 24 hours.
• You complete the program when all eight weekly submissions have been accepted and your capstone scores 70 or more out of 100.

AI for Finance Leaders (US $3,450 per seat; for controllers, finance and accounting managers and others who lead a team; first cohort dates [dates, owner to set]):

• 6 weeks, with one live 60-minute session each week, on [day and time, owner to set].
• About two to three hours of coursework a week, submitted in the portal, with written feedback.
• A capstone: a team adoption dossier for your CFO, covering one to three workflows, built a section a week and presented to your peer group.
• A peer group of six to eight.
• Recordings of every live session, posted to the portal within 24 hours.
• You complete the program when all six weekly submissions have been accepted and your dossier scores 70 or more out of 100.

AI for CFOs (US $4,950 per seat; for CFOs, VPs of Finance and firm partners; first cohort dates [dates, owner to set]):

• About 4 live executive sessions of 60 minutes, on [day and time, owner to set] [number of sessions, owner to set].
• Pre-reading and one decision brief each session, submitted in the portal, with written feedback [coursework hours a session, owner to set].
• A capstone: a board paper of six to eight pages with a one-page executive summary, drawn from your decision briefs and presented in 10 minutes to your peer group.
• A peer group of six to eight.
• Recordings of every live session, posted to the portal within 24 hours.
• You complete the program when all four decision briefs have been accepted and your board paper scores 70 or more out of 100.

Team training and private cohorts. These are not sold through the enrollment page. If you want training for several people, contact us at [support email, owner to set]. Team training is agreed in a separate written agreement, which sets the price, payment terms and any data terms. These terms do not apply to it unless that agreement says so.

Access. Your portal account stays open for [access period after the last session, owner to set] after the last session of your program so you can download your work and watch recordings.

Certificate. [Whether a certificate of completion is issued, owner to set] A certificate, if issued, records that you finished our program. It is not a professional credential.

We may change a speaker, a session time or a minor part of the content. If a change is large, section 6 applies.

2. Who can enroll

You must be 18 or older. A seat is for one named person and cannot be shared. Anyone who signs in with your account is treated as you. You may pass your seat to a colleague under section 5.

3. Price and payment

• Prices are in US dollars and are the prices on the enrollment page when you pay. A price change does not affect a seat you have already paid for.
• You pay by card (including Apple Pay and Google Pay where offered) on a payment page run by Stripe. We never see or store your card details. Stripe's own terms and privacy policy apply to that page.
• Seats are paid by card, by the person who takes the seat. A seat is confirmed when payment clears. Team training is agreed in a separate written agreement (section 1).
• Sales tax. [States where sales tax is added, and on what basis, owner to set] Your bank or card issuer may charge currency-conversion fees. We do not control them.
• If a payment fails, the seat is not confirmed.
• If you dispute a charge with your card issuer without first writing to us, we may suspend your account until it is resolved. Please write to us first. We will answer within 2 business days.
• We send a receipt by email.

4. Refunds

The same rule applies to each program, counted from the first live session of the cohort you bought.

The enrollment page shows the exact refund date for each cohort.

After that date we do not give cash refunds. You may instead transfer your seat to a later cohort of the same program, or pass it to a colleague, as set out in section 5. Transfer stays open from that date until the first live session (and after it, at our discretion; see section 5), so a buyer who can no longer attend always has an alternative to losing the seat.

Where a law gives you a cancellation right that we cannot remove, this section gives way to it.

• If we cancel or move a cohort, you may choose a full refund or a seat in the next cohort (section 6).
• Refunds go back to the original payment method. Card refunds usually appear on your statement 5 to 10 business days after we issue them, depending on your bank.

5. Transfers and deferrals

These rules apply to each program separately.

• To a later cohort. You may move your seat once, free of charge, to a later cohort of the same program, if you ask in writing at any time up to the start of the first live session. The new cohort must start within [time limit for the new cohort, owner to set]. If the price of the new cohort is higher, [whether you pay the difference, owner to set].
• To another program. [Whether a seat may move to a different program, and how any price difference is settled, owner to set]
• To a colleague. You may pass your seat to another named person, free of charge, if you ask in writing up to the start of the first live session. They must accept these terms and agree to the privacy policy. You and they settle any payment between yourselves; we do not refund you.
• After the first live session. A transfer is at our discretion. We tell you the answer in writing. If you miss sessions you can watch the recordings and still complete in the same cohort. Late work is accepted until [late-work cut-off, owner to set].
• If you ask to move more than once, we decide case by case.
• A transfer is not a refund and has no cash value.

6. If we change or cancel a cohort

If we cancel a cohort, or move it by more than [number of days, owner to set], you may choose a full refund or a seat in another cohort of the same program. We may cancel a cohort that has fewer than [minimum number of seats filled, owner to set], with at least [notice period, owner to set] notice. If a live session is canceled we will reschedule it or provide an equivalent recording. Other than that, we are not liable for your other costs, such as travel or time off work.

7. Conduct

You agree to:

• treat others with respect, and not harass, threaten or discriminate against anyone;
• not share your sign-in, or let anyone else use your account;
• do your own coursework. You may use AI tools: the programs expect it, and ask you to log the tool and model you used. You may not submit another person's work as your own;
• not try to manipulate the grading assistant. Putting instructions aimed at the assistant inside a submission, outside an exercise the program sets, counts as misconduct;
• not try to extract, copy or publish the marking guides or feedback keys;
• not upload anything that section 11 forbids.

If you break these rules we may warn you, remove your work or posts, suspend your account, or end your place. If we end your place for serious misconduct, [whether any refund is due, pending counsel].

8. Discussion forum, peer groups and Chatham House

Learners meet in the cohort discussion forum, in live sessions and, in AI for Finance Leaders and AI for CFOs, in peer groups of about six to eight, to discuss real situations. To make that safe, the forum, the peer groups and live sessions run under a rule modeled on the Chatham House Rule.

In plain words: you may use what you learn in the forum, a peer group or a live session. You may not reveal who said it, or which firm or employer they belong to, or who else took part. You may not circulate the list of participants.

The rule means:

• you may use an idea, an approach or a technique in your own work;
• you may not say "a controller at a named firm told us...", or post a screenshot of the forum or a group;
• it does not stop you describing your own experience and your own employer.

This binds you as a term of the agreement. The forum's size and the instructor's moderation are not a substitute for your own care. Do not post anything about your employer that you are not permitted to share. If you do, you are responsible for it. We may remove a post at any time. We cannot control what other learners do once they have left the program, and we do not guarantee confidentiality beyond our own conduct and these terms. Recordings of live sessions are not covered by this section; section 10 governs them.

9. Your work (learner IP)

• You keep ownership of your coursework, discussion posts and anything else you create, including your capstone. We do not claim it.
• You give us a limited license to host, copy, store, display and process your work, and to give it to our service providers (including the AI grading assistant), for one purpose: to mark it, give you feedback, run the discussion and peer groups, keep the records described in the privacy policy and answer review requests. The license is worldwide, non-exclusive and royalty-free. It ends when we delete your work under the retention schedule (subject to the backup period in the privacy policy).
• We will not use your work to train an AI model, and we will not allow our AI provider to.
• We will not publish, quote or use your work in marketing without your separate written permission. We may use anonymized, combined statistics (for example, average scores).
• You confirm that you have the right to upload what you upload, that it does not breach your employer's rules or anyone's confidentiality, and that you have followed section 11. You are responsible for what you share.

10. Our materials (course IP)

The slides, guides, recordings, exercises, templates, marking guides, feedback keys, Northwind data, software and the Ledger & Agent name and logo belong to us or our licensors. We give you a personal, non-exclusive, non-transferable license to use the materials for your own learning and, in your job, to apply what you learn.

You may not:

• share, post, sell, lend or publish the materials or recordings, or give anyone access to the portal;
• record the live sessions yourself, or take a screen capture of the recordings;
• copy the materials into your employer's own training, or use them to build a competing course;
• put the materials into an AI model or any tool for the purpose of training or building another product;
• remove copyright or ownership notices.

Each seat licenses one named person. Recordings may include the voices, images or chat of other learners. We tell you at the start of each session that it is being recorded. By staying in a recorded session you agree to that recording, and you may use the chat or the question form instead of speaking. See the privacy policy, section 5.

11. What not to upload

For the four-week course, and for any cohort we name on the enrollment page, use Northwind Supply Co. data only. [Northwind-only rule for the first cohorts, owner to set] Northwind is the fictional company we provide. Do not upload employer data, client data or your own organization's data to the portal, even if you have anonymized it. This applies until we have completed and published our security test of the portal and say, on the enrollment page, that later cohorts may use their own anonymized material.

For any later cohort that is allowed to use its own material, do not upload personal information about other people, client records, bank or payment details, payroll data, or tax return information. Do not upload anything your employer or a confidentiality duty forbids you to share.

We may delete a submission that breaks this section and ask you to resubmit.

12. AI-drafted feedback and your right to human review

• An AI grading assistant reads each submission and drafts the feedback, using the grading guide for that week or session.
• A person approves every piece of work returned for revision, a sample of work marked complete [sampling rate, owner to set], every capstone score in every program and every final-deliverable score in the four-week course.
• Other work marked complete is released on the assistant's draft. You can ask for a person to review it, as below.
• You can ask for a person to review any result. Write to [review request email, owner to set] within [time limit for a review request, owner to set] of receiving it, and say which item. A person who did not draft the feedback will review it and reply within 5 business days. Their decision on that item is final within the program, subject to section 17.
• We log each draft and each human decision. See the privacy policy, section 6.
• The assistant can be wrong. We do not promise that every item of feedback is correct. We do promise to correct an error when you tell us.
• We may change the AI tools we use. We will keep the human review described here.

13. Not professional advice

The programs are general education. They are not legal, tax, accounting, audit, security or investment advice and do not create a client relationship. A capstone, dossier or board paper you write is your own work and your own recommendation to your organization. Rules and frameworks change; check them against current primary sources and with your own advisers. AI tools make mistakes: you remain responsible for checking anything an AI produces before you rely on it. We do not guarantee any result, such as a job, promotion, time saving, approval of a proposal or audit outcome.

14. Continuing education

At the effective date of these terms, no session of any program is registered for continuing professional education (CPE) credit. Whether a licensing body accepts your attendance toward its continuing education requirement is for you and that body to decide. If we register a session for CPE, the enrollment page will say which one, and that will not change what you have bought.

15. Accessibility

If you need an adjustment, such as captions, a transcript or extra time, write to [accessibility email, owner to set] before the cohort starts or as soon as you need it. We will work with you in good faith.

16. Limits on our responsibility

• We provide the programs "as is", with reasonable skill and care. We do not give any other warranty, express or implied, to the extent the law allows.
• To the extent the law allows, we are not liable for indirect or consequential loss, lost profit, loss of data, loss of business or reputation, or any loss arising from your reliance on AI output or on the course material.
• To the extent the law allows, our total liability to you arising from these terms or the program is limited to the amount you paid for your seat.
• Nothing in these terms limits liability that cannot be limited by law, including for fraud, or for death or personal injury caused by negligence. Some places do not allow the exclusions above, and if you live in one of them, they apply to you only so far as the law lets them.
• You agree to indemnify us against claims by a third party arising from material you uploaded in breach of section 11. [Consumer indemnity, pending counsel]

17. Disputes and governing law

• Please contact us first at [support email, owner to set]. We will try to settle a problem informally within [informal resolution period, pending counsel].
• These terms are governed by the laws of [governing-law state, pending counsel] and applicable US federal law, without regard to conflict-of-laws rules.
• Courts: [courts and county with exclusive jurisdiction, pending counsel] have exclusive jurisdiction, except that either party may seek urgent relief to protect intellectual property or confidential information anywhere.
• Nothing in this section removes rights you have as a consumer under the law of the place where you live. For learners in Canada, see section 20.

18. Ending your place

You may stop at any time. Stopping does not give you a refund unless section 4 does. We may end your place for the reasons in section 7, and we will tell you why. Sections that are meant to continue (IP, confidentiality, limits on responsibility, disputes) do so after the end.

19. Changes to these terms

We may change these terms for future cohorts by posting the new version with a new date. If we change them during your cohort in a way that makes your position worse, we will tell you by email at least [notice period for changes, pending counsel] beforehand and you may end your place and receive [remedy, such as a pro rata refund, owner to set]. The terms you accepted at purchase apply to your cohort otherwise. Earlier versions are kept on request.

20. Canada and Quebec

[Canada and Quebec terms, pending counsel] If you live in Canada, the consumer protection law of your province may give you rights that these terms cannot remove, and those rights apply.

21. General

• These terms, the enrollment page and the privacy policy are the whole agreement. A separate written agreement for team training prevails over these terms for the people it covers.
• If a part is unenforceable, the rest continues.
• We may assign this agreement to a successor of the business (for example when our company is formed or sold). You may not assign it, except under section 5.
• Notices go to the email address on your account, or to [support email, owner to set] for us.
• [Company legal name and state of formation, owner to set]