Last updated: October 6, 2026

1. Introduction

1.1. This website, keystoneyard.com (the “Site” or “Keystoneyard”), is owned and operated by Tailor Brands Ltd. and its affiliated companies (“Tailor Brands,” “we,” “us,” or “our”).

1.2. These terms of service (the “Terms”) are a binding agreement between you and us. By accessing or using the Site, you accept the Terms. If you don't agree, don't use the Site.

1.3. If you're using the Site on behalf of a company or other entity, you confirm you have the authority to bind that entity to these Terms, and “you” refers to that entity.

2. What Keystoneyard Is

2.1. Keystoneyard is a free website that helps business owners, and people starting a business, work out what they need and identify a provider or next step that fits their situation. For each topic we cover (each a “Category,” such as payroll providers or whether and how to form an LLC), you answer a short set of questions, and the Site shows you a result: a recommended provider or next step, and the reasons other options were ruled out or weren't a fit. The Site doesn't require an account, an email address, or any payment (the tools, collectively, the “Service”). We add, change, and remove Categories over time.

2.2. Keystoneyard also publishes free informational content (“Field Notes”) about the topics we cover, such as payroll, contractor pay, and forming and running a business, provided on an “as is” basis.

2.3. WE ARE NOT A LAW FIRM, LAWYER, ACCOUNTANT, TAX ADVISOR, OR INSURANCE BROKER. NOTHING ON THE SITE, INCLUDING ANY RESULT YOU RECEIVE FROM A TOOL AND ANYTHING IN THE FIELD NOTES, IS LEGAL, TAX, ACCOUNTING, FINANCIAL, OR INSURANCE ADVICE, AND USING THE SITE DOES NOT CREATE AN ATTORNEY-CLIENT OR OTHER PROFESSIONAL RELATIONSHIP BETWEEN YOU AND US. A RESULT (FOR EXAMPLE, A “YES” OR “NO” ON WHETHER YOU NEED AN LLC) IS GENERAL INFORMATION BASED ONLY ON THE ANSWERS YOU GAVE. IT DOESN'T REVIEW YOUR SITUATION FOR LEGAL OR REGULATORY ACCURACY, THE LAW VARIES BY STATE AND CHANGES OVER TIME, AND IT ISN'T A SUBSTITUTE FOR ADVICE FROM A QUALIFIED PROFESSIONAL. CONFIRM ANY PROVIDER'S PRICING, PLAN DETAILS, AND COMPLIANCE FEATURES DIRECTLY WITH THAT PROVIDER BEFORE YOU SIGN UP.

2.4. The result you receive is generated by applying our eligibility rules to the answers you give us; this process may also involve AI-assisted or automated analysis. Either way, it's a starting point for your own research, not a guarantee that the named provider or next step is the cheapest, best, or only option for your business, and not a guarantee that our pricing or feature information is current, since provider plans and pricing change without notice to us. Where AI-assisted or automated tools are used, their output is provided “as is” and isn't a substitute for professional advice; you're responsible for reviewing and independently confirming any result before acting on it.

3. Who We Recommend, and How We're Connected to Them

3.1. Third-party providers and referral fees. We may earn a referral fee if you sign up with a third-party provider we name, through a link on the Site. Where that's the case, we say so next to the recommendation, before you click. The fee doesn't change the price you pay the provider, and it isn't an input to our eligibility rules.

3.2. Tailor Brands services. Keystoneyard is operated by Tailor Brands. In some Categories, the result we show you is a service offered by Tailor Brands or its affiliates (for example, an LLC formation service). In those Categories we are promoting our own services, we may recommend them without comparing them to services offered by other companies, and we benefit financially if you sign up. A Tailor Brands recommendation is not the opinion of an independent third party.

3.3. Separate terms apply to services you buy. When you click through to a Tailor Brands service, you go to a Tailor Brands website or checkout, and the Tailor Brands Terms of Service, privacy policy, and any service-specific terms govern what you buy. When you click through to a third-party provider, that provider's own terms and privacy policy apply. These Terms govern only your use of the Site. Pricing, what's included, and any government or state fees for a service are set out by the provider at checkout and may differ from any summary on the Site.

3.4. Trademarks. All provider and company names, logos, and marks that appear on the Site are trademarks of their respective owners. Other than Tailor Brands, which operates the Site, we are not affiliated with, sponsored by, or endorsed by any company named or referenced on the Site.

3.5. Third-party websites. The Site links to websites operated by providers and others. We don't operate, monitor, or endorse those websites, and we're not responsible for their content, accuracy, availability, or your dealings with them.

4. Data Sharing

4.1. Keystoneyard is operated by Tailor Brands. As described in our Privacy Policy, Tailor Brands automatically receives data about your activity on the Site through a tracking pixel from the moment you begin using it. If you click through to a third-party provider we name, that click may be routed through a Tailor Brands domain before you reach the provider's website. Neither of these is a step you'll see happen.

4.2. If you click through to a Tailor Brands service, you will arrive at a Tailor Brands website, and information you provide there is collected by Tailor Brands under its own privacy policy.

4.3. Once Tailor Brands has data from the Site, the Tailor Brands General Privacy Policy governs how Tailor Brands uses it.

5. Acceptable Use

5.1. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Site for its intended purpose: getting information and provider recommendations and reading our content. You will not, and will not permit anyone else to:

5.2. We may suspend or block access to the Site, at our discretion and without notice, if we believe these Terms have been breached.

6. Intellectual Property

6.1. Unless we say otherwise in writing, everything on the Site (text, design, our eligibility rules and methodology, and our trademarks and logo) is our property or used with permission. You're not granted any rights to it beyond what's needed to use the Site as intended, and we reserve everything else.

6.2. If you send us feedback or suggestions about the Site, you agree we can use them freely, without any obligation or compensation to you.

7. Availability and Changes

7.1. We may change, suspend, or discontinue the Site or any part of it, including specific Categories, providers, or Field Notes, at any time and without notice.

7.2. We don't guarantee the Site will be available, uninterrupted, or error-free. Software and networks fail; that isn't a breach of these Terms.

8. Disclaimer of Warranty

THE SITE AND ITS CONTENT, INCLUDING ANY RESULT OR RECOMMENDATION YOU RECEIVE, ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DON'T WARRANT THAT ANY PRICING, PLAN, FEE, OR FEATURE INFORMATION ON THE SITE IS CURRENT, COMPLETE, OR ERROR-FREE, THAT ANY RECOMMENDATION IS SUITABLE FOR YOUR BUSINESS, OR THAT ANY FILING, ENTITY, OR PROVIDER YOU CHOOSE WILL ACHIEVE ANY PARTICULAR LEGAL, TAX, OR LIABILITY-PROTECTION RESULT. YOUR USE OF THE SITE IS AT YOUR OWN RISK.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR EMPLOYEES, DIRECTORS, AND ANYONE ACTING ON OUR BEHALF WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF WE'VE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE THE SITE IS FREE AND WE DON'T CHARGE FOR IT, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). THIS SECTION APPLIES TO THE SITE. IT DOESN'T CHANGE THE TERMS THAT APPLY TO ANY PRODUCT OR SERVICE YOU BUY FROM TAILOR BRANDS OR ANY OTHER PROVIDER, WHICH ARE GOVERNED BY THEIR OWN TERMS.

10. Indemnification

10.1. You'll indemnify and hold us harmless from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Site, or your violation of any law or third party's rights in connection with the Site.

11. Updates to These Terms

11.1. We may update these Terms from time to time. We'll post the updated version here with a new “Last Updated” date. Material changes will be flagged on the Site at least 30 days before they take effect, except where an urgent change is needed for legal, security, or fraud-prevention reasons. Continuing to use the Site after an update takes effect means you accept it.

12. Dispute Resolution, Arbitration, and Governing Law

12.1. Most concerns can be resolved by contacting support@tailorbrands.com. Section 12 applies if that doesn't resolve things.

12.2. You and we each waive the right to a jury trial for any dispute arising out of or related to these Terms or the Site, including disputes about privacy or data.

12.3. CLASS ACTION WAIVER. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. UNLESS BOTH PARTIES AGREE OTHERWISE, AN ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING.

12.4. If you're located in the United States or its territories: these Terms and any dispute arising from them are governed by the laws of the State of New York, without regard to conflict-of-law rules. Any dispute not resolved informally will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules (available at adr.org), rather than in court, except that either party may bring an individual claim in small claims court where it qualifies. If the class-action waiver in Section 12.3 is found unenforceable as to a particular claim, this arbitration agreement won't apply to that claim, and it will proceed in court instead.

12.5. If you're located outside the United States and its territories: these Terms and any dispute arising from them are governed by the laws of the State of Israel, and any claim will be brought exclusively in the competent courts of Tel Aviv, Israel, to whose jurisdiction you consent.

13. Assignment

13.1. We may assign these Terms or our rights under them to any third party, including in connection with a merger, acquisition, or sale of assets. You may not assign your rights under these Terms without our written consent.

14. Miscellaneous

14.1. These Terms are the entire agreement between you and us regarding the Site, and supersede any prior agreements on the subject.

14.2. If any provision of these Terms is found unenforceable, the rest remain in full force.

14.3. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and us.

14.4. Section headings are for convenience only and don't affect interpretation.

14.5. To report a violation of these Terms or for any other question, contact support@tailorbrands.com, or write to Tailor Brands Ltd., 420 Lexington Ave., Suite 2400, New York, NY 10170.