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The YarnyBookkeeper Terms and Conditions explain the rules for using The YarnyBookkeeper website and its related resources.

Terms & Conditions

Last updated: July 17, 2026

These Terms and Conditions explain the rules for using The YarnyBookkeeper website and its related resources, products, courses, communities, and services. They are not especially thrilling, but they help make sure we both understand what is—and is not—included when you use something I create.

By visiting yarnybookkeeper.com, downloading a resource, subscribing to an email list, making a purchase, creating an account, accessing a course, or participating in a related community, you agree to these Terms and Conditions. If you do not agree with them, please do not use the website or its related products and services.

Who we are

The YarnyBookkeeper is owned and operated by Fanciful Things, LLC, a Vermont limited liability company.

Throughout these terms, “The YarnyBookkeeper,” “Fanciful Things, LLC,” “we,” “us,” and “our” refer to the business. “You” and “your” refer to the person visiting the website, making a purchase, accessing a resource, or participating in a course or community.

Other policies and purchase terms

These Terms and Conditions incorporate the following policies:

  • The Privacy Policy
  • The Copyright Notice
  • Any refund policy, license, guarantee, community guideline, sales-page term, or checkout condition that applies to a particular product or service

When a product page or checkout contains terms that are more specific than these general Terms and Conditions, those specific terms will control that purchase. All other portions of these Terms and Conditions will continue to apply.

Age and authority to agree

You must be at least 18 years old and legally able to enter into a binding agreement to purchase products, create an account, or participate in a course or community offered by The YarnyBookkeeper.

If you use the website or make a purchase on behalf of a business or other organization, you confirm that you have authority to accept these terms on its behalf.

Educational information only

The YarnyBookkeeper provides educational and informational content primarily for handmade and creative business owners located in the United States. Visitors in other countries may use the information as a general reference, but bookkeeping rules, tax requirements, terminology, business laws, and reporting obligations may differ.

The information provided through the website, emails, resources, spreadsheets, calculators, courses, videos, community discussions, and other materials is general information. It is not personalized bookkeeping, accounting, tax, legal, investment, or financial advice.

Using The YarnyBookkeeper does not create a bookkeeper-client, accountant-client, attorney-client, fiduciary, or other professional relationship between you and Nancy Smyth, The YarnyBookkeeper, or Fanciful Things, LLC. You remain responsible for your business decisions, records, tax filings, legal compliance, and use of the information provided.

When you need advice about your specific circumstances, you should consult a qualified professional who understands your business and the laws that apply where you live and operate.

No guaranteed results

The YarnyBookkeeper provides tools and education designed to help you understand and manage your business numbers more confidently. However, no particular financial, bookkeeping, tax, business, revenue, profit, or other result is promised or guaranteed.

Your results depend on many things beyond our control, including the accuracy and completeness of the information you enter, your business decisions, your effort, your market, your pricing, your expenses, changes in laws, and advice you receive from your own professional advisers.

Testimonials, reviews, examples, case studies, and customer stories describe individual experiences. They are not promises that every person will receive the same outcome.

Website content and availability

We make reasonable efforts to provide useful and accurate information, but website content may contain mistakes, omissions, outdated information, broken links, or technical problems. Laws, tax rules, software, payment platforms, and business practices can also change after something is published.

We may update, correct, reorganize, remove, or discontinue website content at any time. We are not required to update every older article immediately when a rule, law, platform, or recommendation changes.

We do not guarantee that the website or any particular feature will always be available, uninterrupted, secure, or free from errors. Temporary outages, maintenance, security problems, platform changes, and circumstances outside our control may affect access.

Intellectual property

Unless otherwise stated, the original content created for The YarnyBookkeeper is owned by Fanciful Things, LLC and protected by copyright and other intellectual-property laws.

This includes articles, emails, graphics, photographs, videos, training materials, spreadsheets, formulas, calculators, workbooks, worksheets, checklists, templates, downloads, course lessons, recordings, and other original materials.

Your use of those materials is also governed by the Copyright Notice. Purchasing or downloading something gives you a limited license to use it—it does not transfer ownership of the material or its copyright to you.

Limited license for personal business use

Public website content may be used as a reference for your own personal or business bookkeeping. Purchased products and free downloads may be used only by the person or business for whom they were obtained, unless the product description or license specifically allows broader use.

You may enter your own business information into a spreadsheet, calculator, workbook, or template and use the resulting records or reports for your own business. You may also provide your completed business records to your bookkeeper, accountant, tax professional, attorney, or other adviser when reasonably necessary to assist you.

You may not share blank templates, original formulas, course materials, login credentials, videos, downloads, or editable files with clients, students, members, colleagues, social-media groups, online communities, or other businesses. Each separate person or business must obtain its own authorized copy unless a different license has been granted in writing.

Purchases and payment

Products and services may be sold through ThriveCart or another authorized checkout platform, with payments processed by companies such as Stripe or PayPal.

You agree to provide current, accurate, and complete purchasing and billing information. You authorize the applicable payment provider to charge the payment method you select for the amount shown at checkout.

Prices are listed in U.S. dollars unless otherwise stated. Applicable taxes, payment-plan terms, discounts, and additional charges will be displayed at checkout or handled as required by law.

We may correct pricing or product-description errors, refuse or cancel a fraudulent transaction, or suspend access when payment fails, is reversed, or was made without proper authorization. If we cancel an order after payment has been completed, the amount paid for the canceled order will be refunded.

Digital delivery and access

Digital downloads may be delivered through email, a download page, ThriveCart, a course account, or another online platform. You are responsible for providing an accurate email address, checking spam or promotional folders, maintaining access to your account, and downloading files when download access is provided.

Course access and product availability last for the period described on the applicable sales page or checkout. Unless an offer expressly promises a particular access period, purchasing a digital product does not guarantee permanent or uninterrupted access to the hosting platform.

We may make reasonable changes to the format, location, platform, or delivery method of a product when needed. For example, a course may be moved to a new platform or a downloadable file may be replaced with an updated version.

Please save backup copies of downloadable files you are permitted to retain. We cannot guarantee that an old download link or discontinued platform will remain available forever.

Software and spreadsheet compatibility

Some YarnyBookkeeper products are spreadsheets, calculators, templates, or other digital files that require compatible software and a suitable device. Product descriptions may identify the intended file type, software, or system requirements.

You are responsible for confirming that you have the necessary software, device, internet connection, and basic technical ability before purchasing. We cannot guarantee that a file will work with every operating system, outdated software version, mobile application, third-party conversion tool, or altered copy.

Reasonable support may be provided for the product as originally delivered and used with its intended software. Support does not include repairing files that have been substantially altered, rebuilding a customer’s bookkeeping records, providing general computer instruction, or resolving problems caused by unrelated software or equipment.

Refunds and guarantees

Refund policies vary because downloadable spreadsheets, recorded courses, live training, memberships, subscriptions, and other services are not all the same thing.

Unless a sales page or checkout expressly provides a refund policy or money-back guarantee, purchases of digital products and immediately accessible content are final once the product or access has been delivered, except where applicable law requires otherwise.

Bookkeeping Academy annual guarantee

The conditional 14-day money-back guarantee for the Bookkeeping Academy applies only to the Annual Pay-in-Full enrollment option. It does not apply to monthly payments, installment plans, renewals, or other YarnyBookkeeper products unless a separate guarantee is clearly stated on the applicable sales page and checkout.

To request a refund under this guarantee, you must contact hello@yarnybookkeeper.com within 14 calendar days of the original purchase and provide the completed work or other evidence of participation described in the guarantee terms presented when you enrolled. The guarantee is intended for students who made a good-faith effort to use the program and determined that it was not right for them.

The guarantee terms displayed on the Bookkeeping Academy sales page and checkout at the time of purchase form part of the purchase agreement. Requests that do not meet those stated conditions may be denied.

When a refund is approved, access to the Academy, its community, downloads, course materials, and other included resources may be removed. You must stop using and delete any downloaded materials associated with the refunded purchase.

Other refund requests

Not using a product, changing your mind, failing to download it, or deciding that you no longer need it does not automatically create a right to a refund.

Refund requests must include the purchaser’s name, email address, product purchased, purchase date, and reason for the request. Nothing in this section removes a refund, cancellation, or consumer right that cannot legally be waived where you live.

International purchases and cancellation rights

Customers outside the United States may have mandatory consumer rights that differ from those available under U.S. law. These rights vary by country and may apply regardless of what a general refund policy says.

For example, European Union rules generally provide cancellation rights for certain online purchases, although a customer may lose the withdrawal right for immediately delivered digital content after expressly consenting to immediate delivery and acknowledging that loss.

Where a non-waivable law conflicts with these Terms and Conditions, the applicable law will control.

Payment plans and recurring subscriptions

Some products or services may be offered through a payment plan or recurring subscription. The checkout page will describe the amount charged, payment schedule, billing frequency, trial period if any, renewal terms, and available cancellation method.

A payment plan for a fixed purchase price is not automatically a cancel-anytime subscription. If you agree to make several payments for immediate access to a product, you remain responsible for the full purchase price unless the applicable refund policy says otherwise.

When an offer is a recurring subscription, you authorize the stated recurring charges until you cancel according to the instructions provided. Unless the applicable policy or law provides otherwise, cancellation stops future renewal charges but does not retroactively refund charges that were properly incurred before cancellation.

Recurring terms must be presented clearly, and customers must be given a workable cancellation method. Vermont imposes specific disclosure, affirmative-consent, renewal-notice, and cancellation requirements on certain automatically renewing consumer contracts. Federal consumer-protection principles also require material subscription terms to be disclosed before billing, informed consent to the charges, and a simple cancellation method.

Chargebacks and payment disputes

Please contact hello@yarnybookkeeper.com promptly if you believe you were billed incorrectly, did not receive access, or have another problem with a purchase. We would much rather investigate and fix a legitimate problem than have everyone spend quality time filling out dispute paperwork.

Nothing in these terms limits your right to dispute an unauthorized or incorrect charge through your bank or payment provider. However, knowingly filing a false or misleading chargeback, claiming fraud for a purchase you knowingly made, or continuing to use a product after receiving a refund is prohibited.

Access may be suspended while a payment dispute is investigated. We may provide the payment processor with relevant transaction records, delivery records, account activity, communications, and applicable purchase terms when responding to a dispute.

Accounts and login information

You may need an account to access a course, product, community, or customer portal. You are responsible for protecting your username, password, download links, and other login information.

Accounts and login credentials may not be shared with people outside the authorized purchaser’s business or household unless the applicable offer expressly permits it. Please notify us promptly if you believe an account has been accessed without authorization.

We may suspend or terminate an account when we reasonably believe it is being shared improperly, used fraudulently, used to copy or distribute protected materials, or used in violation of these terms.

Comments, communities, and user submissions

The website and related community spaces may allow you to submit comments, questions, profile information, images, messages, or other content. You retain ownership of your original content, but you give Fanciful Things, LLC a non-exclusive, royalty-free license to host, store, reproduce, display, and format it as reasonably necessary to operate and moderate the website, course, or community.

Submitting something does not give us permission to use your private community post as a public testimonial or advertisement without additional permission.

You confirm that you have the right to submit your content and that it does not violate another person’s copyright, trademark, privacy, confidentiality, or other legal rights.

Comments and community contributions may be removed when they are spammy, misleading, abusive, unlawful, unrelated to the discussion, excessively promotional, or otherwise disruptive. We may also remove content or restrict access when needed to protect another member, the community, or the business.

Community conduct

Community spaces are meant to provide practical education and support. You agree to communicate respectfully and avoid harassment, threats, discrimination, bullying, impersonation, spam, repeated self-promotion, illegal activity, or attempts to obtain another member’s private information.

Do not post Social Security numbers, complete financial account numbers, payment-card information, passwords, tax identification numbers, confidential customer records, medical information, or other highly sensitive information. Even in a private community, complete confidentiality cannot be guaranteed.

Community discussions reflect the experiences and opinions of individual members. A statement made by another participant is not professional advice from The YarnyBookkeeper, and we do not guarantee that another member’s suggestion is correct or suitable for your business.

Additional community guidelines may apply to a particular space. Those guidelines are incorporated into these terms.

Prohibited uses

You may not use the website, products, services, accounts, courses, or communities to:

  • Break the law or encourage illegal activity.
  • Copy, scrape, republish, sell, distribute, or misuse protected content.
  • Share paid materials, download links, course access, or login credentials without permission.
  • Upload malware, attempt unauthorized access, interfere with security, or disrupt website operation.
  • Collect information about other users without permission.
  • Harass, threaten, deceive, impersonate, or exploit another person.
  • Send spam or use the website primarily to promote unrelated products or services.
  • Misrepresent your relationship with The YarnyBookkeeper.
  • Use protected materials to train an artificial-intelligence system, build a competing product, or generate derivative content without written permission.

We may investigate suspected misuse and take reasonable action, including removing content, blocking access, terminating accounts, preserving records, or reporting unlawful conduct.

Third-party websites and platforms

The website and its products may rely on or link to third-party services, including payment processors, course platforms, community platforms, email providers, video hosts, social-media websites, plugins, and other technology providers.

Those services operate under their own terms, privacy policies, availability, and technical requirements. We do not control and are not responsible for the security, content, policies, performance, or availability of an outside platform.

A link, recommendation, or embedded item does not necessarily mean that The YarnyBookkeeper controls or guarantees the third party’s products or services.

Affiliate relationships

Some links may be affiliate links. This means Fanciful Things, LLC may receive compensation if you click the link or make a purchase, usually without changing the price you pay.

Affiliate relationships will be disclosed where appropriate. A recommendation does not guarantee that a product or service will suit your circumstances, and you remain responsible for evaluating it before purchasing.

Privacy

Your use of the website and related services is also governed by the Privacy Policy. That policy explains how personal information may be collected, used, stored, and disclosed.

Please review the Privacy Policy before submitting personal information, creating an account, or completing a purchase.

Disclaimer of warranties

To the fullest extent permitted by law, the website, information, downloads, courses, communities, and other products or services are provided on an “as is” and “as available” basis.

Fanciful Things, LLC does not make warranties—express or implied—about uninterrupted availability, error-free operation, fitness for a particular purpose, merchantability, accuracy, compatibility, or a particular business or financial result.

Nothing in these terms excludes a warranty, guarantee, or consumer protection that cannot legally be excluded.

Limitation of liability

To the fullest extent permitted by law, Fanciful Things, LLC, The YarnyBookkeeper, Nancy Smyth, and their contractors or service providers will not be liable for indirect, incidental, special, punitive, or consequential losses arising from your use of—or inability to use—the website, products, courses, communities, or information.

This includes loss of profits, revenue, business opportunities, data, files, customer information, tax deductions, or anticipated savings, as well as penalties or costs resulting from inaccurate records, missed deadlines, incorrect data entry, software incompatibility, or decisions made using general educational information.

To the fullest extent permitted by law, the total liability arising from a paid product or service will not exceed the amount you paid for the specific product or service giving rise to the claim during the 12 months before the event that created the claim.

These limitations do not apply where liability cannot lawfully be limited or excluded.

Responsibility for misuse

To the extent permitted by law, you are responsible for claims, losses, or costs caused by your unlawful conduct, unauthorized sharing of materials, infringement of another person’s rights, misuse of an account, or material violation of these Terms and Conditions.

This does not require you to compensate us for losses caused by our own unlawful conduct or for responsibilities that cannot legally be shifted to you.

Suspension and termination

We may suspend or terminate access to a website feature, download, course, account, membership, or community when you materially violate these terms, fail to make an agreed payment, misuse protected materials, threaten others, create a security risk, or engage in fraudulent or unlawful conduct.

When reasonably possible, we may provide notice and an opportunity to correct the issue. Immediate action may be taken when necessary to protect another person, the business, intellectual property, payment systems, or website security.

Termination for a violation does not automatically create a right to a refund. Any refund will be determined by the applicable purchase policy and law.

Changes to these terms

These Terms and Conditions may be updated when the website, products, services, technology, or legal requirements change. The current version will be posted on this page with a revised “Last updated” date.

Changes apply prospectively from the date they are posted unless a different effective date is stated. When a change materially affects an active paid service or recurring subscription, additional notice may be provided when reasonably required.

Governing law and disputes

These terms are governed by the laws of the State of Vermont and applicable United States federal law, without regard to conflict-of-law rules.

Before filing a formal legal claim, you agree to contact hello@yarnybookkeeper.com and make a reasonable effort to resolve the matter informally. Nothing in this paragraph prevents either party from seeking urgent relief when needed to protect safety, security, confidential information, or intellectual property.

To the extent permitted by law, legal proceedings concerning these terms will be brought in a state or federal court with appropriate jurisdiction in Vermont. This choice of law and location does not take away consumer rights or access to a forum that cannot legally be waived where you live.

Severability, waiver, and entire agreement

If one part of these terms is found unenforceable, the remaining portions will continue in effect to the extent legally possible. Failure to enforce a provision once does not waive the right to enforce it later.

These Terms and Conditions, together with the Privacy Policy, Copyright Notice, and applicable product-specific terms, form the entire agreement concerning your use of the website and related offerings. They replace earlier general terms covering the same subject.

You may not transfer your account, license, or rights under these terms without written permission. Fanciful Things, LLC may transfer its rights and obligations in connection with a sale, reorganization, or transfer of the business or its assets.

Contact

Questions about these Terms and Conditions may be sent to:

Fanciful Things, LLC d/b/a The YarnyBookkeeper
Vermont, United States
hello@yarnybookkeeper.com

Nancy Smyth, The YarnyBookkeeper
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