Last updated: June 24, 2026
Welcome to Marrow & Ledger, operated by Negishi Leo (“we,” “us”). By using marrowledger.com or buying our products, you agree to these terms.
We sell digital educational products (downloadable PDFs and similar). Descriptions and prices are on each product page. Prices are shown in US dollars (USD) unless stated otherwise.
When you buy a product, we grant you a personal, non-transferable license to use it for your own personal, non-commercial purposes. You may not resell, redistribute, share, sublicense, or publicly post the files or their contents.
Our products and content are for educational and informational purposes only. They are not financial, investment, tax, or legal advice, and nothing in them is a recommendation to buy, sell, or hold any financial product. You are responsible for your own decisions; for advice specific to your situation, consult a qualified professional.
We make no promises about financial outcomes, savings, or income. Examples are illustrative only.
Payments are processed by Stripe and PayPal. Digital products are delivered by download immediately after successful payment.
See our Refund & Cancellation Policy.
All content, branding, and materials are owned by Negishi Leo or its licensors and are protected by law.
To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from use of our site or products. Our total liability for any claim is limited to the amount you paid for the relevant product.
These terms are governed by the laws of Japan, without regard to conflict-of-law rules.
We may update these terms; continued use after changes means you accept them.
Contact. Questions? Email info@marrowledger.com.