Cardelith

Terms of Service – Cardelith and its brands

Last updated: 13 November 2026

Seller: Marco Martiradonna (Italy), trading as Cardelith and Ledgecroft.

These terms apply when you buy or download a product from Cardelith or one of its brands, such as Ledgecroft, through our Whop store. They're written to be read, so they're short. If something isn't clear, email us at contact@cardelith.store.

  1. Who we are. Cardelith and Ledgecroft are trading names of Marco Martiradonna, a sole trader based in Italy. We make digital workbooks, spreadsheets and checklists. We're a small, independent business.

  2. What you're buying. Every product is digital: files you download or open in your browser. Nothing is posted to you. The product page tells you what's included, the file formats and the date the information is current to. Please check it before you buy.

  3. Payment and checkout. Payments, checkout and file delivery are handled by Whop. When you buy, Whop's own terms and privacy policy also apply to the payment. We never see or store your full card number. Prices are shown in Australian dollars unless the product page says otherwise.

  4. Getting your files. After payment, your product appears in your Whop library, and Whop emails you a link to it. If you can't find it, check your spam folder first, then email us and we'll sort it out.

  5. What you can do with the files. You can use them yourself and within your own business, including printing them and filling them in as often as you like. Please don't resell them, share them publicly, or pass them on as your own product. If you'd like to use a product across a larger organisation, ask us first.

  6. General information, not advice. Our products help you organise your own thinking and records. They don't tell you what the law requires in your situation, and they don't replace a lawyer, accountant, auditor or the relevant government agency. Rules change, and each product shows the date its information is current to. Always check the official sources before you act.

  7. Refunds and your consumer rights. No change-of-mind refunds on digital products once access is granted; your rights under the Australian Consumer Law (for example, if it's faulty or not as described) are not affected. If a product is faulty or not as described, tell us and we'll fix it, replace it or refund you as the Australian Consumer Law requires. If the problem is major, you can choose a refund or a replacement. If we can't fulfil a purchase, we refund the full amount. The details are in our refund policy.

  8. Updates. If a product page promises an update (for example, once an official list is published), we'll add it to your Whop library and email you. We don't promise updates that the product page doesn't mention.

  9. Our responsibility. We take care to check our facts and list our sources with access dates, but we can't guarantee that official rules won't change after the date shown. As far as the law allows, we're not responsible for decisions you make based on the general information in our products. Nothing in these terms limits any rights you have under the Australian Consumer Law or any other consumer law that applies to you and can't be excluded.

  10. Your information. How we handle your email address and order details is explained in our privacy notice.

  11. Changes to these terms. We may update these terms from time to time. The version that applies to your purchase is the one shown when you bought.

  12. Contact. Marco Martiradonna (Italy), trading as Cardelith and Ledgecroft · contact@cardelith.store. We reply within 2 business days. You can also open a case through Whop's Resolution Center.

General information only, not legal, financial, tax or compliance advice. Ledgecroft is independent and not affiliated with or endorsed by the NDIS Quality and Safeguards Commission, the NDIA or the Australian Government.

  1. Executor Balance Book. The disclaimer above is for our NDIS provider products and does not cover the Ledgecroft Executor Balance Book. For that product: General information only, not legal, financial, tax or accounting advice. It doesn't replace a lawyer, accountant, the IRS, the ATO or the court. Ledgecroft is independent and not affiliated with or endorsed by the IRS, the ATO or any court or government agency. Check your own situation with a probate attorney, solicitor, CPA or registered tax agent.