These Terms of Service ("Terms") govern your access to and use of LedgerCraft, including its websites, applications, APIs, software, and related services (collectively, the "Service").
The Service is provided by LedgerCraft Labs ("we," "us," or "our"), located at Bolingbrook, IL, USA.
By creating an account, accessing, or using the Service, you agree to these Terms. If you do not agree to these Terms, you may not access or use the Service.
1. The LedgerCraft Service
LedgerCraft is a self-directed financial ledger and financial-organization software platform. The Service provides tools for:
- Transaction ingestion, canonicalization, and categorization;
- Statement parsing, reconciliation, and audit trailing;
- Financial reporting, cash flow analysis, and net worth visualization;
- Multi-asset and liability tracking, including real estate, vehicles, entities, and physical goods;
- Zakat, charitable giving, and expense estimation recordkeeping.
LedgerCraft is a software and information-management service. LedgerCraft is not a bank, investment adviser, broker-dealer, accountant, tax adviser, lawyer, fiduciary, religious adviser, or other professional adviser.
2. Not Financial, Investment, Tax, Zakat, or Legal Advice
You are solely responsible for reviewing and verifying information produced by the Service before relying upon it for tax filings, accounting records, investment decisions, legal documents, charitable obligations, Zakat calculations, or other financial or legal purposes.
The Service may provide calculations, estimates, classifications, summaries, projections, valuations, or other analytical outputs based on information supplied by you or obtained through supported integrations. Such outputs may contain errors, omissions, assumptions, or limitations and should be independently reviewed before being relied upon.
3. User Content and Financial Data
You retain whatever ownership rights you have in financial records, documents, CSV statements, data, notes, and other information that you upload or enter into the Service ("User Content").
You grant LedgerCraft a limited, non-exclusive, worldwide license to host, store, reproduce, process, transmit, and display User Content solely as reasonably necessary to provide, secure, maintain, troubleshoot, and operate the Service, as described in our Privacy Policy.
LedgerCraft is designed around data minimization. The Service does not require users to provide unnecessary identity information merely to maintain a basic account, and supported file-import workflows are designed to process supported financial information rather than provide a general-purpose system for importing arbitrary personal information.
You should not intentionally upload passwords, authentication credentials, Social Security numbers, government identification numbers, or other highly sensitive information that is unrelated to the financial records you want the Service to process.
4. Uploaded Files and Data Processing
The Service may accept user-uploaded files, including financial statements and other supported documents, for automated processing.
Uploaded files may be stored temporarily in a processing queue so that the Service can process files in an orderly manner. During processing, the Service extracts and processes supported financial fields according to the applicable import and mapping rules. After processing is completed, the temporary uploaded file is deleted in accordance with the Service's file-processing procedures.
The Service does not provide a general-purpose interface for mapping arbitrary source fields into the ledger. Information that is not mapped to a supported ledger field is not intentionally incorporated into the resulting ledger records.
For audit, diagnostics, processing analysis, or future import improvements, the Service may retain limited information about unmapped field names or processing outcomes. Such records are intended to describe the structure or result of the import process and are not intended to serve as a retained copy of the uploaded source file or its underlying financial data.
Because files may contain information beyond the fields required by the Service, you are responsible for reviewing files before uploading them and should avoid including unnecessary sensitive information.
5. Accuracy and Third-Party Data
The Service processes data from user-uploaded statements, CSV files, financial feeds, supported third-party services, and manual entries. You acknowledge that:
- Financial institutions may periodically update statement layouts, transaction schemas, or CSV headers;
- Uploaded documents may contain incomplete, inconsistent, duplicated, or unparseable information;
- Automated parsing, canonicalization, categorization, and reconciliation algorithms may produce errors or require manual adjustment;
- Historical reporting metrics may change as new source records are imported, corrected, reconciled, or reclassified;
- Third-party financial data may be delayed, incomplete, unavailable, or inaccurate; and
- Market prices, valuations, exchange rates, and other externally sourced information may change without notice.
You are responsible for reviewing your records and confirming that the information maintained in your workspace is appropriate for your intended use.
6. Accounts and Security
You are responsible for maintaining the security of your account and for activities occurring under your account, except to the extent caused by our failure to maintain reasonable security measures.
You agree to provide accurate account information and to notify us promptly of suspected unauthorized access, compromised credentials, or other security incidents involving your account.
Where supported, you may authenticate using third-party identity providers such as Google or Apple. Those authentication services are subject to the applicable provider's own terms and privacy policies.
7. Workspace and Tenant Structure
The Service organizes user financial information within workspaces or tenants. Workspace membership determines the scope of access to workspace information.
You are responsible for ensuring that individuals you invite or authorize to access a workspace are appropriate recipients of the information available within that workspace.
You may not attempt to access, modify, disclose, or otherwise interact with information belonging to another workspace or tenant without authorization.
8. Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms.
You agree not to:
- Attempt unauthorized access to another user, workspace, tenant, account, or system;
- Probe, scan, or test the vulnerability of the Service or its infrastructure without authorization;
- Reverse-engineer, decompile, or attempt to extract proprietary source code or system algorithms except where permitted by applicable law;
- Use the Service to facilitate fraud, unlawful asset concealment, money laundering, or other unlawful activity;
- Upload malicious software, destructive code, or content intended to interfere with the Service;
- Use the Service to violate the rights of another person or organization; or
- Attempt to circumvent subscription, entitlement, authentication, security, or access-control mechanisms.
9. Subscriptions, Fees, and Billing
Certain features require a paid workspace subscription. Paid subscriptions renew automatically at the end of each billing cycle unless canceled prior to the renewal date through the available account billing controls.
Subscription prices, billing intervals, applicable taxes, and available features are presented at the time of purchase and may be updated from time to time.
Payment processing is handled by third-party payment providers. We do not store raw payment card numbers on our application servers.
10. Cancellation and Refunds
You may cancel a paid subscription at any time through the available billing controls. Cancellation prevents future renewal and generally retains access to paid features through the end of the applicable paid billing period.
Subscription fees are non-refundable except where required by applicable law or expressly stated at the time of purchase.
11. Intellectual Property
LedgerCraft, its branding, brand marks, design system, interfaces, documentation, software, and underlying technology are owned by LedgerCraft Labs or its licensors and are protected by applicable intellectual property laws.
Except for the limited rights expressly granted under these Terms, no ownership rights in the Service are transferred to you.
12. Third-Party Services
The Service may interoperate with third-party providers, including authentication providers, cloud infrastructure providers, email delivery services, payment processors, financial-data providers, and other technology providers.
Third-party services are governed by their own terms, policies, availability, and technical limitations. We are not responsible for the independent acts, omissions, policies, or availability of third-party services.
13. Service Availability and Updates
We may perform maintenance, deploy security updates, modify system architecture, change supported integrations, or modify platform features from time to time.
We do not guarantee uninterrupted or completely error-free availability of the Service. Features, integrations, supported file formats, and third-party services may change or become unavailable.
14. Suspension and Termination
We may suspend or terminate account or workspace access where reasonably necessary because of a material violation of these Terms, non-payment, legal obligation, security concerns, suspected unauthorized activity, or circumstances that create a material risk to the Service or other users.
Where reasonably practicable, we may provide notice before suspension or termination, except where immediate action is necessary for security, legal, or operational reasons.
15. Data Handling After Termination
Following account closure or termination, User Content and account information may be deleted, de-identified, or retained for a limited period in accordance with our Privacy Policy, applicable retention procedures, backup processes, or legal obligations.
Users are encouraged to export their financial ledgers and other information before closing an account.
16. Disclaimer of Warranties
To the maximum extent permitted by applicable law, the Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express, implied, statutory, or otherwise.
To the maximum extent permitted by applicable law, we do not warrant that the Service will be uninterrupted, completely secure, completely accurate, error-free, or suitable for any particular financial, tax, accounting, investment, legal, religious, or other purpose.
17. Limitation of Liability
To the maximum extent permitted by applicable law, LedgerCraft Labs shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, business opportunities, goodwill, or data arising out of or related to your access to or use of the Service.
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under applicable law.
18. Indemnification
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless LedgerCraft Labs and its officers, directors, employees, contractors, and agents from third-party claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful use of the Service, violation of these Terms, or infringement of another party's rights.
19. Changes to Terms
We may update these Terms periodically to reflect changes to the Service, applicable law, or our business practices.
Notice of material changes will be provided through the Service, on our website, by email, or through another reasonable method before the changes become effective where required by applicable law.
Your continued use of the Service after the effective date of updated Terms constitutes acceptance of the updated Terms to the extent permitted by applicable law.
20. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to conflict-of-law principles, except to the extent applicable law requires otherwise.
Any dispute concerning the Service or these Terms shall be subject to the jurisdiction and venue permitted under applicable law.
21. Severability and Entire Agreement
If any provision of these Terms is held invalid, unlawful, or unenforceable, the remaining provisions will continue in full force and effect to the maximum extent permitted by law.
These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference, constitute the agreement governing your use of the Service.
22. Legal Contact Information
Questions regarding these Terms should be directed to:
LedgerCraft Labs
support@ledgercrafthq.com
+1 (329) 200-2010
Support: LedgerCraft Support <support@ledgercrafthq.com>
Legal: LedgerCraft Legal <legal@ledgercrafthq.com>