Ledge Financial Group

Terms of Service

TERMS AND CONDITIONS OF USE Ledge Financial Effective Date: June 18, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website located at https://ledgefinancial.net (the "Website"), operated by Ledge Financial ("Company," "we," "us," or "our").

By accessing or using this Website, you agree to be legally bound by these Terms. If you do not agree, you must not use the Website.

1. Purpose of the Website

This Website is provided for general informational purposes and to allow users to:

Access account-related information

Review available resolution pathways

Obtain contact and communication support information

Ledge Financial does not provide legal, financial, or credit advice through this Website.

2. No Advice Disclaimer

Information provided on this Website is for general informational purposes only and does not constitute legal, financial, or credit advice. Users should not rely solely on information from this Website when making financial or legal decisions.

3. Changes to Terms

We may modify these Terms at any time. Updated Terms will be posted on the Website with a revised effective date. Notice of material changes will remain available for at least 60 days. Your continued use of the Website following any posted changes constitutes acceptance of the revised Terms.

4. Use of Website

You agree to use this Website only for lawful purposes and in a manner that does not:

Violate any applicable laws or regulations

Infringe upon the rights of others

Interfere with or disrupt Website functionality

Attempt unauthorized access to systems or data

Unauthorized use of this Website may result in restricted access or legal action.

5. No Reliance on Information

Content on this Website may be updated, modified, or removed at any time without notice. We do not guarantee accuracy, completeness, or timeliness of any content. Use of Website information is at your own risk.

6. Account Access and External Services

Ledge Financial may provide links to external systems or portals for account access or payment processing. These systems are operated separately and are subject to their own terms, conditions, and privacy practices. Ledge Financial is not responsible for the operation, availability, or content of third-party systems.

7. Intellectual Property

All Website content — including text, graphics, design, layout, logos, and materials — is owned by Ledge Financial or its licensors and protected by applicable laws.

Limited License: You are granted a limited, revocable, non-exclusive, non-transferable license to use the Website for personal, non-commercial purposes.

Restrictions: You may not, without prior written consent:

Copy, reproduce, distribute, or modify content

Create derivative works

Frame, scrape, harvest, or extract data

Create links implying endorsement

Removal of copyright or proprietary notices is strictly prohibited.

8. User Submissions

Any information submitted through the Website may be used to respond to inquiries or provide account support. Users should avoid submitting sensitive or confidential information through unsecured channels. Ledge Financial does not guarantee the security of communications sent over the internet.

By submitting any content, feedback, or materials, you grant Ledge Financial a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, and distribute such submissions for any lawful purpose.

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEDGE FINANCIAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY OR RELIABILITY, AND SYSTEM INTEGRATION OR SECURITY. WE DO NOT GUARANTEE THAT THE WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LEDGE FINANCIAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS OR DATA, ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE. In no event shall our total liability exceed the amount you paid (if any) to use the Website.

11. Third-Party Links

The Website may contain links to third-party websites for convenience. Ledge Financial does not control or endorse these websites and is not responsible for their content, policies, or practices.

12. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of the WY, without regard to conflict of law principles. Any disputes shall be resolved exclusively in state or federal courts located in Cheyenne, WY. You consent to jurisdiction and waive any objections to venue.

14. International Use

This Website is operated from the United States. We make no representation that the Website is appropriate or available outside the U.S. Users accessing from outside the U.S. do so at their own risk and are responsible for compliance with local laws.

15. Termination

We reserve the right to suspend or terminate access to the Website at any time, with or without notice, for any violation of these Terms or other lawful reason.

16. Severability and Waiver

If any provision is deemed unenforceable, the remaining provisions remain in effect. Failure to enforce any provision does not constitute a waiver.

17. Entire Agreement

These Terms, together with the Privacy Policy and any legal notices posted on the Website, constitute the entire agreement between you and Ledge Financial regarding Website use.

8. Contact Information

Ledge Financial Website: https://ledgefinancial.net [Insert Address] [Insert Phone]

Ledge Financial manages consumer receivable accounts through licensed servicing partners. All consumer communications and payment processing are handled by authorized third-party servicing providers.