Terms of service.
What you can expect from us, and what we expect from you. Written by humans, mostly. We tried to keep the lawyerly bits to the places they actually matter. Read sections 7, 8, and 9 carefully — that's where the limitations live.
TL;DR
You can use Ledger for bookkeeping work for your own firm and your firm's clients. Pay on time, don't try to break it, don't resell access. You own your data; we hold a license only to run the service for you. Either side can end the relationship with 30 days' notice. Our liability is capped at the last 12 months of fees. Illinois law, Cook County courts.
Your account.
To use Ledger you need to:
- Be at least 18 years old and able to enter a binding contract under US law.
- Provide a real, working email — we use it for sign-in verification codes and billing notices.
- Keep your account credentials and team-member list current.
- Be authorized by your clients to push data to their QuickBooks Online company file. We assume you have this authority when you connect a book; if you don't, you're in breach.
You're responsible for what happens under your account. If you suspect unauthorized use, email security@ledgerinbox.com — we can revoke active sessions inside an hour.
What's acceptable.
Use Ledger for your firm's bookkeeping work. That's the whole acceptable-use policy.
Things you can't do
- Resell, sublicense, or “white-label” Ledger to other firms (Team plan customers — talk to us).
- Use it to launder, hide, or misclassify transactions for fraud, money laundering, or tax evasion.
- Reverse-engineer the AI, scrape the inbox via headless browsers, or build a competing product on top of our API without a written agreement.
- Connect a book you're not legally authorized to access.
- Use Ledger to send unsolicited communications to your clients (the platform doesn't ship that feature, but if you find a workaround — don't).
We monitor for these only when something breaks or a customer reports it; we don't read your books to police you.
Fees & billing.
Pricing is on our pricing page. Current published rates apply at the start of every renewal period.
How billing works
- Solo — $19/month, charged monthly to the card on file.
- Pro — $49 per seat per month, monthly or annually. Annual prepay saves 16%.
- Team — custom, billed via invoice with net-15 terms. Multi-year locks available.
- Trials — 14 days, full Pro access, no card required. We will not silently auto-enroll you.
Changes to your plan
- Upgrades are prorated to the day and charged on the next billing cycle.
- Downgrades take effect at the next renewal — you keep your current plan until then.
- Cancellations stop renewal at the end of the current period. Annual plans get a prorated refund minus a flat $50 processing fee. Monthly plans run to the end of the paid month.
Late or failed payments
If a charge fails, we retry over 7 days with email warnings. After day 7 we suspend writes to QBO and bank syncs (you can still read the inbox). After day 30 we suspend the account. After 60 days we may delete data after notice. No customer in our history has hit day 60 — we'd much rather just talk to you.
Your data & ours.
This part is short because it matters.
What's yours
You own all data you put into Ledger or that arrives via your connected accounts: bank-line descriptions, vendor mappings, rules, overrides, categorization history, receipts. We hold a non-exclusive, royalty-free license only to operate the service for you — reading, transforming, syncing it where you've told us to. That license expires when you delete your firm.
What's ours
Ledger the application, the brand, the trained model weights (we fine-tune some classifiers on aggregate signal, not your raw lines — see Privacy §4), the UI, the documentation. You don't get a license to any of that beyond using it as a customer.
What we won't do
Service & uptime.
We target 99.9% monthly uptime on the inbox and on QBO write-back. Excludes scheduled maintenance (announced 7 days ahead) and third-party outages (Plaid, Intuit, Anthropic) that we can't route around. Live status: ledgerinbox.com/status.
Credits, when we miss
| Monthly uptime | Service credit |
|---|---|
| < 99.9% but ≥ 99.0% | 10% of that month's fee |
| < 99.0% but ≥ 95.0% | 25% of that month's fee |
| < 95.0% | 50% of that month's fee |
Request credits within 30 days of the incident at billing@ledgerinbox.com. Credits apply to future invoices, not refunds. Annual cap: 50% of one month's fee per quarter.
How this ends.
Either of us can end the relationship.
- You can cancel any time, self-serve, in Settings → Danger zone. Effective at the end of the paid period.
- We can terminate with 30 days' notice for any reason, with full refund of any prepaid unused time.
- We can suspend immediately for breach of §2 (acceptable use), with notice and a chance to cure if the breach is fixable.
On termination, you get a 30-day window to export your data. After that, we hard-delete within 7 days. See Privacy §5 for the retention table.
Warranties.
We make these promises:
- Ledger will substantially conform to its documented behavior.
- We will maintain SOC 2 Type I (in audit; Type II commitment within 12 months of close).
- We will not introduce features that work against you (no dark patterns, no surprise upsells, no auto-enroll trials).
Beyond those, the service is provided “as-is.” We do not warrant that suggestions will always be correct (the model is wrong 5–15% of the time — that's why every accept is a real keystroke). We do not warrant that third-party services (Intuit, Plaid, your bank) will always be reachable. We do not warrant that Ledger will fit your tax situation — talk to a CPA for that.
Limit of liability.
If something goes wrong and we owe you money, the most we'll ever owe is the total fees you paid us in the 12 months before the claim arose. That cap applies whether the claim is for breach of contract, negligence, IP infringement, or anything else.
Neither side is liable for indirect, incidental, consequential, special, or punitive damages — even if we've been warned about the possibility. Lost profits, lost data after we did our best to keep it, lost goodwill: those aren't on the table.
This cap does not apply to (a) your obligation to pay fees, (b) your indemnification obligations in §2, or (c) gross negligence or willful misconduct by either side.
Law & disputes.
These terms are governed by the laws of the State of Illinois, excluding its conflict-of-laws rules. Any lawsuit must be filed in the state or federal courts of Cook County, Illinois, and both sides consent to personal jurisdiction there.
Before suing, both sides agree to spend 30 days in good-faith negotiation. Email legal@ledgerinbox.com; we will respond within 5 business days with a named contact. We don't require binding arbitration; we don't waive class action rights; we don't include any clauses we'd be embarrassed to read out loud.
When this changes.
Material changes are announced 30 days in advance via email to your account contact and in the changelog. Continued use after the effective date is acceptance. If a change shrinks your rights or expands our liability cap, you can cancel within 30 days and get a prorated refund — no questions.