Welcome to Ledgerize.ai! These Terms of Service ("Terms") govern your access to and use of the Ledgerize.ai website and services ("Service") provided by Ledgerize Limited, a company registered in the United Kingdom (referred to as "Ledgerize", "we", "us", or "our"). By using our Service, you ("User" or "you") agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree with these Terms or the Privacy Policy, you must not use the Service.

Please read these Terms carefully. They outline your rights and responsibilities and form a legal agreement between you and Ledgerize. If you have any questions, feel free to contact us at support@ledgerize.ai.

1. The Service

Ledgerize.ai provides an online platform that allows users to upload bank statements and other financial documents and convert them into formats like Excel or CSV. We use advanced technology to process PDFs and similar files to extract financial data for your use. The Service may also include related features such as document viewing, an API for integrations, credit or subscription management, and referral programs to earn credits.

While we strive to offer highly accurate conversions, the output may depend on the quality of the input documents. You acknowledge that the Service is provided on an "as is" and "as available" basis. We make no guarantee that the Service will be error-free, and it remains your responsibility to review the converted data for accuracy. (See Disclaimers and Liability sections below for more information).

We reserve the right to improve, modify, or discontinue any aspect of the Service at any time. We will attempt to notify users of major changes (such as significant new features or the removal of core features), but there may be times when updates or changes need to be made without notice.

2. Accounts and Eligibility

Eligibility: You must be at least 18 years old to use Ledgerize.ai. By using the Service, you represent and warrant that you are 18 or older and legally capable of entering into these Terms. The Service is intended for adults; if you are under 18, do not use the Service. We reserve the right to ask for proof of age if needed.
Account Registration: To use certain features, you need to create an account. Currently, we offer login via Google OAuth. This means you will sign in using your Google account credentials. By using Google login, you authorize us to access and use your Google account information (such as your name and email) as permitted by your Google privacy settings and our Privacy Policy.
Account Security: You are responsible for maintaining the confidentiality of your account credentials (for example, ensuring your Google account is secure and not letting others use your login). Any activity that occurs under your Ledgerize account is your responsibility. If you suspect any unauthorized access to your account, you must inform us immediately. We recommend using appropriate security on your Google account (like two-factor authentication) to protect your credentials.
Accurate Information: You agree to provide true, accurate, and current information about yourself during registration. You must not impersonate someone else or provide an email that you do not own. If your information changes, please update it in your account settings.
One Account Per User: To prevent abuse, each user is generally limited to one account, unless otherwise permitted by us (for example, if you have separate personal and business needs). Creating multiple accounts to circumvent usage limits or earn referral credits is a violation of these Terms and may result in account termination.
Account Termination: We reserve the right to suspend or terminate your account if we determine (in our reasonable discretion) that you have violated these Terms or that your use of the Service poses a security, legal, or business risk to us or other users. (See Termination below for more details on what happens if an account is terminated).

3. Subscription Plans, Credits, and Payments

Ledgerize may offer a free tier (with limited usage) and paid plans or credit-based usage for advanced or continued use of the Service. By purchasing or subscribing to our Service, you agree to the following terms:

Free Usage: We may provide a certain number of free conversion credits or pages for new users to try the Service. These free credits are a courtesy and have no monetary value. They may be subject to limitations (for example, expiration after a period or a cap per user).
Paid Plans and Credits: For heavier use, we offer paid options – this might be a subscription (monthly/yearly) that includes a bundle of conversion pages/credits, or one-time purchases of credit packages. The details of available plans, pricing, and included credits are described on our website. All fees are in GBP as indicated, and are exclusive of any applicable taxes unless stated otherwise.
Payment Processing: Payments are handled via Stripe. When you enter your payment information, you agree to be charged according to the plan or purchase you selected. Recurring subscriptions will charge your provided payment method at the start of each billing cycle. By submitting payment details, you confirm that you are authorized to use the payment method and you authorize Stripe to charge the fees through our arrangement with them. If Stripe or your bank declines payment, we may suspend or downgrade your account for non-payment, so please ensure your provided information is accurate and up-to-date.
Subscription Renewal: Subscriptions will automatically renew at the end of each billing cycle (e.g., monthly or annually) unless you cancel beforehand. We will bill the subscription fee to your saved payment method upon renewal. You can cancel auto-renewal at any time through your account settings or by contacting support. If you cancel, you will retain access to premium features until the end of the current paid period, after which your account may revert to the free plan.
Refunds: We want you to be satisfied with Ledgerize. If you encounter an issue or feel the Service didn't meet your expectations, please contact us. We will review refund requests on a case-by-case basis. Generally, unused credits in a pay-as-you-go purchase might be refundable within a certain period, whereas partial refunds for subscription periods already started may be granted at our discretion (or as required by consumer protection laws). We reserve the right to issue or deny refunds. Any approved refunds will be processed back to the original payment method.
Changes in Fees: We may change our pricing or introduce new charges for the Service in the future. If you are on a subscription, we will give you advance notice of any fee changes affecting you, so you can decide whether to continue. Fee changes for subscriptions will not take effect until the start of the next billing cycle following the notice. Continuing to use the Service after a price change signifies your agreement to the new fees.
Promotional Credits: Occasionally, Ledgerize might offer promotional credits (for example, via an referral program or special event). Such credits are subject to the terms of the promotion and can be used towards Service usage but cannot be exchanged for cash. They may have an expiration date and may be revoked if we find any fraudulent or abusive use.

4. Acceptable Use Policy

We are committed to keeping Ledgerize.ai a trustworthy and legal service for all users. By using the Service, you agree to use it only for lawful purposes and in accordance with these Terms. Specifically, you agree NOT to:

4.1. Violate Laws: Use the Service in any way that breaches any applicable local, national, or international law or regulation. This includes, but is not limited to, laws relating to data privacy, intellectual property, and financial regulations. You are responsible for ensuring that your use of the financial data you obtain through Ledgerize is compliant with any laws applicable to you.
4.2. Infringe on Rights: Upload or process documents through our Service that you do not have a right to use. You must only upload financial statements or documents that either belong to you or that you have permission to use. You may not use our Service to convert stolen data, copyrighted materials that you're not allowed to reproduce, or any content that violates privacy or proprietary rights of others. Essentially, you retain ownership of the documents you upload, and we make no claim to them – but you must have the rights to use and process that content. We are not liable for the content you submit, and you agree to indemnify us if your content causes legal issues (see Indemnification).
4.3. Malicious Activities: Upload any content that contains viruses, malware, or any other harmful code that could damage or interfere with our systems or other users' systems. Also, do not attempt to gain unauthorized access to our Service or servers (no hacking, probing, or scanning). Any attempt to breach security or to use our Service to attack others (e.g., by uploading malicious files to someone via our platform) is strictly prohibited.
4.4. Abuse the Service: Engage in any behavior that could harm or overburden the Service's infrastructure. This includes using automated scripts or bots to continuously call the Service in an excessive manner, attempting to scrape data or reverse engineer our algorithms, or any usage that is outside the intended purpose of converting documents for analysis. We reserve the right to throttle or block excessive usage that we suspect is abuse.
4.5. Harassment or Fraud: Use the Service to harass, defraud, deceive, or mislead anyone. This might include generating fake financial documents, altering outputs to commit fraud, or any misuse of the converted data for unlawful activities. While Ledgerize provides conversion, the content of your documents and what you do with the output are under your control – you must not use them for unlawful purposes.
4.6. Impersonation and Unauthorized Access: You must not impersonate Ledgerize or our staff, or falsely imply that you are associated with us. Do not build a competing service by copying our interface or using our outputs in a way that breaches our intellectual property (see Section 5). Also, do not try to use another user's account or share accounts between multiple people without authorization.
4.7. Spam and Unsolicited Messages: If we provide any means to share or invite others (such as referral links or invite emails), you must use them responsibly. Do not spam other people with invites or promotions for Ledgerize. You should also comply with any anti-spam laws (like CAN-SPAM or PECR) if you send referral emails – meaning only send to people who would reasonably welcome such an invite.

Consequences of Violations: Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account, and possibly legal action if warranted. We reserve the right to investigate any activity that we suspect violates this policy or any part of the Terms. This may include reviewing content in your account (if needed, though we typically do not monitor user documents) and cooperating with law enforcement authorities if a violation of law is suspected.

We appreciate your cooperation in keeping Ledgerize.ai safe and useful for everyone. If you encounter any misuse of the Service by another user or have security concerns, please report it to us at support@ledgerize.ai.

5. Intellectual Property and User Content

5.1. Our Intellectual Property: All content and materials available on Ledgerize.ai, including but not limited to software, algorithms, design elements, logos, graphics, text, documentation, and the overall look-and-feel of the Service, are the property of Ledgerize Limited or our licensors. They are protected by intellectual property laws (such as copyright, trademark, and patent laws). Ledgerize grants you a limited, revocable, non-transferable, and non-exclusive license to use our Service for its intended purpose in accordance with these Terms. You do not obtain any ownership rights in our software or content by using the Service. You agree not to reproduce, distribute, create derivative works from, publicly display, or reverse engineer any portion of our Service unless expressly permitted by us in writing. If you want to use any of our branding or content (for example, in a blog post or review), please contact us for permission.

5.2. Your Content (User Uploaded Data): When you upload or input any content into the Service (such as your bank statements, financial documents, or any data), you retain full ownership of that content. We do not claim any ownership over the documents or data you provide. These Terms do not grant us any rights to your content except for the limited rights that are needed to run the Service. Specifically, by uploading a document, you grant Ledgerize a limited, temporary license to process that document for the purpose of providing the conversion Service to you. This means, for example, we have your permission to store the file, analyze it, convert it to Excel/CSV, and produce output for you, and to store or display the output for you to download. This license is worldwide (so we can process data through servers in other regions, under secure conditions), and non-exclusive (you are free to use your documents elsewhere). It is also royalty-free – we do not pay you for the content you provide, as you are providing it to use our Service.

Once the processing is done and the retention period passes, our license to your content effectively ends because we no longer have the content (we delete it as described in the Privacy Policy). If you choose to share your content or outputs through any feature of our Service (for example, if in the future we allow you to share a converted spreadsheet via a link), then you would be granting us the rights to facilitate that sharing as well. We will not use your content for any purpose other than to provide the Service to you, unless you give us permission (for example, if you volunteer a testimonial or sample file for us to improve our algorithms, that would be separately agreed).

5.3. Feedback: We welcome feedback, ideas, or suggestions about Ledgerize ("Feedback"). If you submit Feedback to us, you agree that we can use it freely for any purpose. While you retain rights to your Feedback, you grant us a worldwide, perpetual, irrevocable, sublicensable license to use, modify, and incorporate your Feedback into our products or services without any obligation to compensate you. (This is to avoid any complications if we implement an idea similar to something you suggested, we don't want to be unable to use it or to owe you royalties – thank you for understanding).

5.4. Third-Party Content: Some third-party logos or trademarks (like bank names, if visible on statements) may appear in your documents that you upload. Those are the property of their respective owners and are not part of Ledgerize's intellectual property. We process them only incidentally as part of your document. Additionally, any open-source libraries or third-party components used in our Service remain under their respective licenses. We will provide acknowledgments or notices of third-party software in our documentation as required.

6. Privacy

Your privacy is very important to us. Please review our Privacy Policy to understand how we collect and use your personal information and your documents. By using the Service, you consent to our collection and use of information as outlined in the Privacy Policy. If you have any privacy-related questions, you can contact us as specified in the Privacy Policy.

In short, we handle your data with care. We use strong encryption and security practices, and we do not sell or share your uploaded content. Our Privacy Policy also explains how we comply with GDPR and other regulations. Using Ledgerize means you agree that we can process your data as necessary to provide the service, but always in line with the commitments in our Privacy Policy.

7. Disclaimers

Use at Your Own Risk: While we aim to provide a top-notch service, there are some things we need to disclaim legally. Ledgerize.ai and all its services are provided "as is" and "as available" without any warranties of any kind, unless explicitly stated otherwise. To the fullest extent permitted by law, Ledgerize disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the Service will be 100% accurate, error-free, uninterrupted, or secure. For example, if a bank statement has an unusual layout or poor scan quality, our conversion might misinterpret a figure or text. We continually improve our accuracy, but a small chance of error is inherent in any OCR or data extraction process. You should verify critical data before relying on it.
We do not warrant that any financial decisions or outcomes obtained by using our Service will be correct or profitable. The Service is a tool to assist you, but the ultimate use of the data is in your hands.
Any information or advice (legal, financial, or otherwise) obtained from us or through the Service, whether written or oral, is for general informational purposes only. You should consult professionals for advice tailored to your situation. For instance, converting bank statements with Ledgerize can greatly speed up your bookkeeping, but it's not a substitute for professional accounting judgment.
We are not responsible for issues outside our control, such as problems with the internet, issues on the part of Google or Stripe, or matters attributable to your hardware or software.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, our warranties are limited to the minimum scope permitted by applicable law.

8. Limitation of Liability

To the maximum extent permitted by law, Ledgerize Limited and its employees, officers, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses. This applies even if we have been advised of the possibility of such damages. For example, we are not liable if a conversion error in a statement leads to incorrect financial reports and you face any loss, or if our Service is unavailable and that delays your work, causing you harm.

In no event will our total cumulative liability to you for all claims arising out of or relating to these Terms or the Service exceed the amount you have paid to Ledgerize in the last 12 months (if any) for the Service or fifty (£50) British Pounds, whichever is greater. If you have not paid anything (e.g., you're on a free plan), we owe you no damages to the extent allowed by law.

These limitations of liability form an essential basis of the bargain between us; without them, we would not be able to offer the Service at the current pricing (or at all). Note that some jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages, so the above limitation may not apply to you fully. In such cases, our liability is limited to the greatest extent permitted by law.

9. Indemnification

You agree to indemnify, defend, and hold harmless Ledgerize Limited and its affiliates, officers, agents, and employees from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) that arise from or relate to:

Your use or misuse of the Service,
Your violation of these Terms or any policies referenced herein,
Your violation of any law or regulation, or the rights of any third party (for example, if you upload data that you didn't have the right to and a copyright holder or data subject claims against us, or if you use converted data to mislead someone and there's a legal dispute),
Any content you submit or process via the Service, including our processing of your content as you instructed.

We reserve the right to handle our legal defense as we see fit, including choosing our counsel, and you agree to cooperate with us in such a defense at your expense. This indemnity obligation will survive the termination of your relationship with Ledgerize.

10. Termination

Termination by You: You are free to stop using Ledgerize at any time. You may delete your account through the account settings if you wish to terminate your use of the Service. If you are on a subscription and you cancel, you'll typically retain access until the period you paid for ends, unless we decide to issue a pro-rated refund at our discretion. Keep in mind that termination of your account will result in the loss of access to the Service and any data in your online account (though you should have your original documents and any downloaded results; we advise saving any results you need before deleting your account).

Termination by Us: We may suspend or terminate your access to the Service (or any part thereof, including paid features) immediately and without prior notice under certain serious circumstances, including but not limited to: (a) your breach of these Terms or the law, (b) extended periods of inactivity (for free accounts), (c) unexpected technical or security issues or problems, (d) your use of the Service in a manner that may cause us legal liability or disrupt others' use of the Service, or (e) if we cease the operation of the Service. In most less severe cases, we will provide a warning or try to work with you to resolve the issue before termination. However, if we determine that termination is necessary, we will do so.

If your account is terminated by us due to a violation of these Terms or unlawful conduct, you will not be entitled to any refunds for any subscription or credits you have paid for (to the extent permitted by law). We also reserve the right to refuse service to you in the future.

Effect of Termination: Upon termination, your right to use the Service will immediately cease. Sections of these Terms that by their nature should survive termination (such as intellectual property rights, disclaimers, limitation of liability, indemnity, and governing law) will continue to be in effect.

11. Governing Law and Jurisdiction

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the laws of England and Wales (United Kingdom). By using the Service, you agree that any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales. If you are a consumer residing outside the UK, you may also have rights to bring proceedings in your local jurisdiction under applicable consumer protection laws – these Terms do not override any such rights you have by law.

If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, that provision will be eliminated or limited to the minimum extent such that the remainder of the Terms will continue in full force and effect.

12. Changes to These Terms

We may update or revise these Terms from time to time. When we do, we will change the "Last updated" date at the top of this document. For significant changes, we will try to provide additional notice (such as via email notification to account holders or a prominent notice on our site). However, it is also your responsibility to review the Terms periodically for any changes.

By continuing to use the Service after the Terms have been updated, you agree to the revised Terms. If you do not agree to the changes, you should stop using the Service and, if applicable, cancel your account before the new Terms take effect.

13. Miscellaneous

Entire Agreement: These Terms (along with the Privacy Policy and any additional terms you agree to when using specific features) constitute the entire agreement between you and Ledgerize regarding the Service. They supersede any prior agreements or communications, whether written or oral, relating to the subject matter.
Waiver: Our failure to exercise or enforce any right or provision of these Terms is not a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Ledgerize.
Assignment: You may not assign or transfer your rights or obligations under these Terms to anyone else without our prior written consent. We may assign our rights and obligations to an affiliate or in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise.
Third-Party Rights: These Terms do not create any rights for anyone who is not a party to them. No third party (except permitted successors or assigns) has any right to enforce any portion of these Terms.
Force Majeure: Ledgerize will not be liable for any failure or delay in performance of its obligations (excluding payment obligations) where the failure or delay results from any cause beyond our reasonable control, including but not limited to acts of God, labor disputes, war, terrorism, malicious damage, fire, governmental actions, or any failure of third-party services.
Contact Information: If you have any questions about these Terms, or need to contact us for any reason, please reach out to: support@ledgerize.ai or mail us at Ledgerize Limited, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, UK.

Thank you for reading our Terms of Service. We appreciate you using Ledgerize.ai, and we are dedicated to providing you with a valuable and trustworthy service. By following these terms, we can ensure a better experience for all users.