1. Introduction

RidgeWood Bookkeeping Inc. ("RidgeWood Bookkeeping," "we," "us," or "our") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.ridgewoodbk.com (the "Site"), use our services, or communicate with us, including by text message (SMS). By using the Site or our services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

Personal Information. Information you voluntarily provide, such as your name, business name, mailing address, email address, and mobile phone number, when you fill out a form, book a consultation, become a client, or contact us.

Usage Data. Information collected automatically when you visit the Site, such as your IP address, browser type, operating system, access times, and pages viewed.

Financial Information. Information related to payment for our services. Payments are processed by our third-party payment processor, and we store little or no payment card information ourselves.

Client Bookkeeping Data. Financial records and documents you provide so we can perform bookkeeping services for your business. This information is used only to deliver those services.

Mobile Information. Your mobile phone number and SMS consent, if you choose to receive text messages from us.

Information from Referral Partners. If you are referred to us by a partner, such as Mercury or Intuit QuickBooks, the partner may share your name, business name, contact details, and a description of your bookkeeping needs with us so we can contact you.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our bookkeeping services

• Respond to inquiries and schedule consultations

• Send service-related communications, including appointment reminders, document requests, account updates, and customer support messages

• Send text messages to those who have opted in to receive them

• Process payments and send invoices

• Monitor and analyze Site usage to improve your experience

• Comply with legal obligations and resolve disputes

4. SMS / Text Messaging

If you opt in to receive text messages from RidgeWood Bookkeeping, we collect your mobile phone number and record your consent. We use this information only to send you the messages you agreed to receive.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except as needed to provide the messaging service itself (for example, our SMS platform provider and wireless carriers that deliver the messages).

You can opt out of text messages at any time by replying STOP. Reply HELP for help. See the SMS Terms in our Terms of Service for full details.

5. How We Share Your Information

We do not sell, rent, or trade your personal information. We share information only in these limited situations:

Service Providers. We share information with vendors who help us operate our business, such as website hosting, payment processing, cloud storage, accounting software, email, and SMS delivery. These providers may use your information only to perform services for us and are required to protect it.

Legal Requirements. We may disclose information if required by law, subpoena, or other legal process, or to protect the rights, property, or safety of RidgeWood Bookkeeping, our clients, or others.

Business Transfers. If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same protections described in this policy.

Referral Partners. We receive client referrals from partners, including Mercury and Intuit QuickBooks. We may share limited information with a referring partner, such as confirming that we contacted you or that you became a client, as needed to manage the referral relationship. We do not share your financial records or bookkeeping data with referral partners without your consent.

All of the above categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties for their own marketing or promotional purposes.

6. Cookies and Analytics

Our Site uses cookies and similar technologies, provided by our website hosting and analytics providers, to operate the Site and understand how visitors use it. You can control cookies through your browser settings.

7. Marketing Emails

If you receive marketing emails from us, you can unsubscribe at any time by clicking the link at the bottom of the email.

8. Data Security

We use administrative, technical, and physical safeguards to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Where your information is stored. RidgeWood Bookkeeping Inc. is based in British Columbia, Canada. Some of our service providers, including our accounting software, cloud storage, and communication platforms, are located in the United States or other countries. Your information may therefore be stored and processed in Canada, the United States, or elsewhere, and may be subject to the laws of those countries.

9. Data Retention

We keep personal information only as long as needed to provide our services, meet legal and professional obligations, and resolve disputes.

10. Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you

• Request correction of inaccurate information

• Request deletion of your information

• Opt out of certain uses of your information

• Withdraw consent you previously gave

To exercise these rights, contact us at hello@ridgewoodbk.com. We will not discriminate against you for exercising your rights.

11. Children's Privacy

Our services are intended for businesses and are not directed to anyone under 18. We do not knowingly collect information from children.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes take effect when posted on the Site with an updated "Last Updated" date.

13. Contact Us

If you have questions about this Privacy Policy, contact us at hello@ridgewoodbk.com.

Terms of Service

Last Updated: October 10, 2026

1. Acceptance of Terms

By accessing or using www.ridgewoodbk.com (the "Site") or the services of RidgeWood Bookkeeping Inc. ("RidgeWood Bookkeeping," "we," "us," or "our"), you agree to these Terms of Service ("Terms"). If you do not agree, please do not use the Site or our services.

2. Use of the Site

Content on the Site is for general informational purposes only and is not tax, legal, or financial advice. We may modify, suspend, or discontinue the Site at any time without notice. Bookkeeping services are governed by a separate engagement agreement between you and RidgeWood Bookkeeping.

3. Privacy Policy

Your use of the Site and our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

4. SMS Terms and Conditions

Program description. RidgeWood Bookkeeping offers text messaging to clients and prospective clients who opt in. Messages may include appointment and consultation reminders, document and information requests, account and service updates, and customer support.

How to opt in. You can opt in by checking the SMS consent box when submitting a form on our Site, or by providing verbal or written consent to a member of our team. Consent to receive text messages is not a condition of purchasing any service.

Message frequency. Message frequency varies based on your account activity and service needs.

Cost. Message and data rates may apply. Check your mobile plan for details.

Opting out. You can cancel at any time by replying STOP to any message. You will receive one final message confirming you have been unsubscribed, and no further messages will be sent. To rejoin, reply START or opt in again through our Site.

Help. Reply HELP to any message for assistance, or contact us at hello@ridgewoodbk.com.

Carrier liability. Wireless carriers are not liable for delayed or undelivered messages.

Privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. See our Privacy Policy for details.

5. Intellectual Property

The Site and its content, including the RidgeWood Bookkeeping name and logo, text, graphics, and designs, are the property of RidgeWood Bookkeeping Inc. or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy or use them without our written permission.

6. User Conduct

You agree not to use the Site for any unlawful purpose, or to:

• Disable, overburden, damage, or impair the Site or interfere with others' use of it

• Attempt to access information not intentionally made available through the Site

• Use robots, scrapers, or other automated means to access or copy the Site

• Introduce viruses or other malicious or harmful material

• Attempt to gain unauthorized access to the Site, its servers, or connected systems

7. Disclaimers

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, RidgeWood Bookkeeping Inc. and its directors, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of data, use, or profits, arising from your use of the Site. Your sole remedy if you are dissatisfied with the Site is to stop using it.

9. Indemnification

You agree to indemnify and hold harmless RidgeWood Bookkeeping Inc. and its officers, directors, employees, and agents from any claims, losses, damages, and costs, including reasonable attorneys' fees, arising from your violation of these Terms or your use of the Site.

10. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. You agree to submit to the exclusive jurisdiction of the courts located in Vancouver, British Columbia, for any disputes arising out of or relating to these Terms or the Site.

11. Changes to These Terms

We may update these Terms at any time. Changes take effect when posted on the Site with an updated "Last Updated" date. Continued use of the Site means you accept the updated Terms.

12. Contact Us

If you have questions about these Terms, contact us at hello@ridgewoodbk.com.