Terms of Service

1. Acceptance of Terms

By accessing or using Ledger Wiser (“the Service”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

2. Use of the Service

Ledger Wiser is a personal finance tracking tool. You are granted a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial financial record-keeping.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice.

3. Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Ensuring the accuracy of the financial data you enter
• Notifying us immediately if you suspect unauthorized access to your account

You must be at least 18 years old to use the Service.

4. Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose or in violation of any regulations
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Reverse engineer, decompile, or disassemble any portion of the Service
• Use automated tools to scrape, crawl, or extract data from the Service
• Interfere with or disrupt the integrity or performance of the Service

5. Financial Information Disclaimer

Ledger Wiser is a personal record-keeping tool only. Nothing within the Service constitutes financial, investment, tax, or legal advice. You are solely responsible for your financial decisions. We recommend consulting a qualified professional for advice specific to your situation.

6. Limitation of Liability

To the maximum extent permitted by law, Ledger Wiser and its operators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of — or inability to use — the Service, even if we have been advised of the possibility of such damages.

The Service is provided “as is” and “as available” without warranties of any kind, either express or implied.

7. Termination

We reserve the right to suspend or terminate your account if you violate these Terms, with or without prior notice.

8. Changes to These Terms

We may revise these Terms from time to time. The “Last updated” date at the top of this page reflects when the most recent changes were made. Continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.