Terms of Service

The Service We Provide

LedgerWriter is cloud-based accounting software. You use it to:

• Create and maintain a chart of accounts
• Record journal entries and financial transactions
• Generate financial reports (trial balance, income statement, etc.)
• Manage multiple companies in one platform
• Collaborate with team members and clients
• Access your accounting data from anywhere

We provide the software, infrastructure, support, and security. You provide the data and use it responsibly.

Your Account & Your Responsibilities

When you create a LedgerWriter account:

• You're responsible for keeping your password secure
• You're responsible for all activity under your account
• If you give teammates access, you're responsible for their actions
• You must use the service legally and ethically (no hacking, no circumventing features, etc.)

We reserve the right to suspend accounts that violate these terms.

Your Data Is Yours

You own all data you input into LedgerWriter. We don't own it, sell it, or claim rights to it.

Here's what we do with your data:

• Store it securely: Encrypted at rest and in transit. Automatic daily backups.
• Process it: Only to provide the service and improve the service.
• Protect it: Role-based access controls, continuous security monitoring, and cybersecurity insurance.
• Keep it private: We don't share it with third parties without your consent (except where legally required).
• Let you export it: You can download your data in standard formats (CSV, JSON) anytime, even after you leave.

If LedgerWriter shuts down, we'll give you 30 days to export your data before we delete it.

How Billing Works

Pricing is based on your tier (Free/Dev, Paid, or Enterprise) and your data isolation requirements — see the pricing page for the current tier structure.

What's included: cloud infrastructure, automatic backups, security, updates and new features, and support at the level your tier includes.

What's not included: custom development or bespoke integration work (available for Enterprise), and professional services (consulting, training — available for hire).

If we change pricing: we'll give 30 days notice. Changes apply to new billing cycles, not current ones. If you disagree, you can cancel without penalty during the 30-day notice period.

Payment & Suspension

We need payment to keep the lights on. If payment fails, we'll let you know; you have 7 days to fix it. If payment isn't received, we'll suspend your account (you can't access it, but your data stays safe).

If your account is suspended, you have 30 days to pay the balance. After 30 days, we delete your data permanently.

To avoid this: keep your payment method current, set up auto-pay if that helps, and contact us if you're having trouble — we work with people.

What You Can't Do With LedgerWriter

You can't use LedgerWriter to:

• Violate any law or regulation
• Commit fraud, tax evasion, or money laundering
• Store non-financial data at scale (it's accounting software, not cloud storage)
• Attack the service (hacking, DDoS, etc.)
• Reverse-engineer or copy the software
• Resell or redistribute access to the service

If you do these things: we'll suspend your account, we'll comply with law enforcement requests, and we may report illegal activity to authorities. Most issues are honest mistakes; we'll work with you.

If Something Goes Wrong

We take security seriously. We encrypt all data at rest and in transit, monitor around the clock, and carry cyber liability insurance.

If there's a data breach: we'll investigate immediately, notify affected customers as soon as possible and no later than required by applicable law, tell you what happened and what you should do, and cover the cost of legally-required notifications.

What you should do: enable two-factor authentication on your account, use proper access controls instead of sharing passwords, and report suspicious activity immediately.

What We're Not Responsible For

We try hard to provide a reliable service. But we're not liable for indirect damages (lost revenue, lost profits, lost data — even if it's our fault), consequential damages from downtime or errors, third-party actions (data breaches from stolen passwords or social engineering), or acts of God.

Our maximum liability for any claim is limited to the fees you paid us in the last 12 months.

Why we have this clause: if we were liable for unlimited damages, the insurance would be unaffordable, and we'd have to charge much more.

Ending Your Service

You can cancel anytime — go to Settings → Billing → Cancel. One click; no phone calls required.

What happens when you cancel: your access stops immediately, your data stays available for 30 days (download it anytime), and after 30 days we delete it permanently. No refunds for remaining time, but you can downgrade instead.

If we terminate your account: we'll give 30 days notice (unless you violated terms), you have 30 days to download your data, and we'll explain why in plain language.

If We Change These Terms

We might update these terms as the service evolves. If we make big changes, we'll email you 30 days in advance; you can review and decide if you agree. If you disagree, you can cancel without penalty during the notice period.

Small clarifications (fixing typos, clarifying existing rules) take effect immediately.

If We Have a Disagreement

Step 1: Talk to us — email support@ledgerwriter.com with the issue. We respond within 5 business days.

Step 2: Escalate if needed — if support doesn't resolve it, email legal@ledgerwriter.com.

Step 3: Arbitration (if necessary) — disputes are resolved through binding arbitration, not court. A neutral arbitrator decides the outcome. Either side can still seek emergency injunctions if needed.

What you can't do: class action lawsuits against us (you agree to individual arbitration).

Where disputes are handled: governed by the laws of California; arbitration happens in California unless both sides agree otherwise.

If Part of This Is Invalid

If a court decides one part of these terms is illegal or unenforceable, the rest of the terms still stand. We don't want one bad clause to blow up the whole agreement.

Questions?

• General questions: support@ledgerwriter.com
• Legal/Terms questions: legal@ledgerwriter.com
• Billing questions: billing@ledgerwriter.com