Legal

Terms of Service

The agreement between you and Ledger. We’ve kept it as plain as we can.

Last updated: November 5, 2026

These Terms govern your use of Ledger Personal & Business Finance (“Ledger”), provided by Ledger Financial, LLC (“we”, “us”). By creating an account or using Ledger you agree to these Terms and to our Privacy Policy. If you don’t agree, don’t use Ledger.

1. Who can use Ledger

You must be at least 18 and able to form a binding contract. If you use Ledger for a business, you confirm you can agree to these Terms for it. You are responsible for the accuracy of what you give us and for keeping your sign-in details and two-factor devices safe. Tell us right away if you think someone else has access to your account.

2. What Ledger is, and what it isn’t

Ledger is a tool for organizing and understanding your finances. It is not a bank, broker, accountant, tax preparer, lawyer or financial adviser, and nothing in Ledger is financial, investment, tax, legal or insurance advice. Reports, forecasts, estimated tax figures, credit analysis, value estimates, calculators and answers from our Lumen assistant are for information and planning. They rely on the data you provide and on assumptions that may be wrong or out of date, and they can contain mistakes, including AI-generated ones. Check anything important with a qualified professional before you act on it, and check the numbers against your official statements and records. You are responsible for your own tax filings, payments and deadlines.

Ledger does not move your money. We don’t pay bills, make tax payments or transfer funds for you.

3. Your subscription

  • Free trial. New accounts start with a 7-day free trial. A card is required to start it. You won’t be charged during the trial.
  • Billing. Unless you cancel before the trial ends, your card is charged on day 8 and then every billing period: $14.99 per month, or $119.99 per year if you choose the yearly plan. Prices may change; we will tell you in advance, and a change applies from your next billing period.
  • Automatic renewal. Your subscription renews automatically until you cancel.
  • Cancelling. You can cancel any time in the app under Settings › Billing. You keep access until the end of the period you’ve paid for. Cancel before the trial ends and you pay nothing.
  • Refunds. Payments are generally not refunded for time already used, but if you think you were charged in error, contact us and we will look into it. Where the law gives you a right to a refund, that right is not affected.
  • Taxes and failed payments. You are responsible for any taxes that apply. If a payment fails, we may retry it and may suspend access until it is resolved.
  • Promotions. Coupon or voucher codes (including from third-party deal sites) are subject to their own terms and expiry, are not redeemable for cash, and may be limited to one per customer.

4. Your data

You own the information you put into Ledger. You give us permission to store, process and display it, and to share it with the providers listed in the Privacy Policy, only as needed to run Ledger for you. You can download your data or delete your account at any time from Account & security. We don’t sell your data.

You are responsible for having the right to enter the information you add, including details about your clients, employees and other people. Please keep your own backups of records you can’t afford to lose.

5. Connected accounts

If you connect a bank through Plaid, you authorize us and Plaid to retrieve your account information from that bank. Data from banks can be delayed, incomplete or wrong, and a connection can stop working without notice. Plaid’s own terms and privacy policy apply when you use it. You can disconnect at any time.

6. Invoices you send

Ledger can email invoices and payment reminders to your clients for you. You are the sender of those messages and are responsible for their content and for having a legitimate business reason to send them. Send them only to people you do business with. Don’t use Ledger to send spam or unwanted messages. Invoices are available to anyone who has the invoice link, so send links only to the right person. You, not Ledger, are responsible for the invoices’ legal and tax correctness, including sales tax.

7. Acceptable use

Don’t:

  • break the law, or use Ledger to commit fraud, launder money or evade taxes;
  • access another person’s account or data, or share your account with others;
  • probe, scan, overload, or try to break or bypass the security of Ledger;
  • scrape, copy, resell or reverse engineer Ledger, except where the law allows;
  • upload malware or content that you have no right to upload; or
  • use Ledger to build a competing product.

We may limit, suspend or end accounts that break these rules or put others at risk.

8. Our property

Ledger, including its software, design, text and logos, belongs to Ledger Financial, LLC or its licensors and is protected by law. While you have an active account, we give you a personal, limited, non-exclusive, non-transferable right to use it. If you send us feedback, we may use it without owing you anything.

9. Availability and changes

We work to keep Ledger available but can’t promise it will always be uninterrupted or error-free. We may change, add or remove features. We may update these Terms; if a change is significant we will give you notice by email or in the app, and using Ledger after it takes effect means you accept it. If you don’t agree, you can cancel.

10. Ending your account

You can stop using Ledger and delete your account at any time. We may suspend or end your access if you break these Terms, if your payments fail and aren’t fixed, or if we must by law. Sections that by their nature should survive (including 2, 11, 12 and 13) survive ending your account.

11. Disclaimer

Ledger is provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We don’t warrant that the results, estimates or forecasts will be accurate or that Ledger will meet your needs.

12. Limit of liability

To the fullest extent the law allows, Ledger Financial, LLC and its owners, employees and providers will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data, missed payments, penalties, interest or tax consequences, arising from your use of Ledger. Our total liability for any claim related to Ledger will not exceed the greater of the amount you paid us in the 12 months before the claim or $100. Some places don’t allow these limits, so they may not apply to you in full. Nothing in these Terms limits liability that can’t legally be limited.

13. Disputes

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules. Before filing a claim, please contact us and give us a chance to fix the problem. Any dispute that we cannot resolve will be brought in the state or federal courts located in Tennessee, and you and we consent to those courts. To the extent the law allows, claims must be brought individually and not as part of a class action. If a part of these Terms is found unenforceable, the rest stays in effect.

14. General

These Terms and the Privacy Policy are the whole agreement between you and us about Ledger. You may not transfer your rights under them; we may transfer ours as part of a sale or reorganization. If we don’t enforce a right, we haven’t given it up.

15. Contact

Questions about these Terms? Use the Support page after you sign in, or email support@ledgerpersonalfinance.com.

Ledger Financial, LLC, registered in Colorado and operating from East Tennessee, United States.