Terms of service.

Your account.

To use LedgerInbox 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 LedgerInbox for your firm's bookkeeping work. That's the whole acceptable-use policy.

Things you can't do

• Resell, sublicense, or “white-label” LedgerInbox 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 LedgerInbox 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

• Core — $40 per location per month, unlimited seats, charged monthly to the card on file. Annual prepay is $29.99 per location per month, billed yearly at $359.88.
• Plus — $70 per location per month, unlimited seats, monthly or annually. Annual prepay is $49.99 per location per month, billed yearly at $599.88.
• Team — custom (from ~$1,500/month, 25+ locations), billed via invoice with net-15 terms. Multi-year locks available.
• Free trial — 7 days of full access, no card. The clock starts when your first files land, not when you sign up, so a week you were too busy to use is not a week you lose. At the end the account becomes read-only — your findings stay visible and exportable; posting to QuickBooks and signing a period off stop. We will not silently auto-enroll you or charge a card we never took.

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 30we 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 LedgerInbox 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

LedgerInbox 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.

There is no uptime SLA in force. LedgerInbox is not yet serving production traffic, so there is no availability history to commit against and no service credits are offered. We will not publish a target we cannot measure.

What we do commit to now: incidents are posted publicly before they are explained privately, degraded performance is treated as an incident, and post-mortems name the cause — including when the cause is us. Live status, and the systems we will report on: ledgerinbox.com/status.

When LedgerInbox is serving real books and uptime is measured, an SLA and any credit schedule will be published here and announced before it takes effect. Scheduled maintenance will be announced 7 days ahead. Third-party outages we cannot route around (Plaid, Intuit, OpenAI) will always be excluded from any figure we publish.

How this ends.

Either of us can end the relationship.

• You can cancel any time, self-serve, in Settings → Billing. Effective at the end of the paid period. To delete the firm and its data as well, Settings → Danger zone does both.
• 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:

• LedgerInbox will substantially conform to its documented behavior.
• We'll pursue SOC 2 certification when we scale to Team-plan customers. Until certification, we operate to the same controls the audit will measure (see our Security page).
• 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 LedgerInbox 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.