Terms of Service

These Terms of Service ("Terms") govern your access to and use of Simpler Ledger (the "Service"), operated by Simpler Ledger ("we," "us," or "our"). By creating an account, clicking "I agree," or using the Service, you agree to be bound by these Terms and by our Privacy Policy and Disclaimer, which are incorporated into these Terms by reference. If you do not agree, do not use the Service.

1. What the Service is — and is not

Simpler Ledger is a software tool for recording and organizing business financial information: transactions, categories, reports, and estimates. It is provided for informational and organizational purposes only.

Simpler Ledger is not an accounting firm, tax preparer, law firm, or financial advisor, and nothing in the Service constitutes accounting, tax, legal, investment, or other professional advice. No accountant-client, attorney-client, or fiduciary relationship is created by your use of the Service. Category names, tax-form mappings (such as Schedule C line references), tax estimates, and report labels are general organizational aids — not professional determinations about your specific situation. You should consult a qualified professional (such as a CPA or tax attorney) before making decisions or filings based on information in the Service.

2. Your responsibility for your books

You are solely responsible for the accuracy, completeness, and lawfulness of the information you enter into or import into the Service, and for reviewing all outputs before relying on them. In particular, you acknowledge and agree that:

• You must verify every entry. Transactions created from receipt scans, bank imports, bank connections, automation rules, or any AI-assisted feature may contain errors. Transactions from bank imports and bank connections are queued for your review by default, and approving them is your decision and your responsibility. By uploading a receipt you choose to record it: the AI-parsed transaction is added directly to your books, and you are responsible for reviewing it and correcting or deleting anything inaccurate.
• Automatic import is opt-in. You may enable automatic import for a connected bank account, in which case its transactions are added to your books without individual review. You enable this per account with an explicit acknowledgment, and by doing so you accept responsibility for reviewing your books periodically and correcting anything inaccurate or misapplied. You may disable it at any time.
• Reports reflect your data. Profit & loss statements, custom reports, pivot tables, computed formula fields, and tax estimates are arithmetic performed on the data you provided. If the underlying data is wrong or incomplete, the outputs will be too.
• Tax filings are yours alone. You (or your professional advisor) are solely responsible for the preparation, accuracy, and timely filing of any tax return or government filing, and for any tax, penalty, or interest that results. We are not responsible for incorrect reporting, missed deductions, miscategorized transactions, estimation errors, or any outcome of a filing prepared with the help of the Service.

3. Accounts

You must provide accurate account information and keep your credentials secure. You are responsible for all activity under your account, including activity by team members you invite. You must be at least 18 years old to use the Service. You may not share accounts, misrepresent your identity, or use the Service on behalf of a business you are not authorized to act for.

4. Subscriptions and billing

• The free plan and paid plans are described on our pricing page. Prices may change with notice; changes apply at your next billing cycle.
• Paid subscriptions are billed monthly in advance through Stripe. By subscribing, you authorize recurring charges to your payment method.
• You may cancel at any time; cancellation takes effect at the end of the current billing period. After cancellation you retain read access to your existing data, but paid features and the ability to add new data on paid-only features are disabled.
• Except where required by law, payments are non-refundable, including for partial billing periods.

5. Your data

You own the financial data you enter into the Service. You grant us a limited license to host, process, encrypt, back up, and display that data solely to operate and improve the Service, as described in our Privacy Policy. You are responsible for maintaining your own copies of records you are required to keep by law — the Service's exports (CSV and reports) exist for this purpose, and we recommend exporting regularly.

6. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, including fraud, money laundering, or tax evasion;
• attempt to access another user's data or probe, scan, or test the vulnerability of the Service;
• reverse engineer, scrape, resell, or sublicense the Service;
• upload malicious code or content you don't have the right to use; or
• interfere with or disrupt the integrity or performance of the Service.

7. Third-party services

The Service integrates with third parties — including Stripe (payments), Plaid (bank connections), Supabase (hosting and storage), and Anthropic (AI processing). Your use of bank connections is also subject to Plaid's terms. We are not responsible for the acts, omissions, availability, or data accuracy of third-party services, including transaction data delivered by your bank.

8. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CALCULATION, CATEGORIZATION, ESTIMATE, REPORT, OR AI-GENERATED SUGGESTION WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR ANY PARTICULAR PURPOSE, INCLUDING TAX PREPARATION.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE — INCLUDING, WITHOUT LIMITATION, DAMAGES ARISING FROM INCORRECT REPORTING, MISCATEGORIZED TRANSACTIONS, INACCURATE TAX ESTIMATES, ERRONEOUS AI SUGGESTIONS, IMPORT OR SYNC ERRORS, TAX PENALTIES, INTEREST, AUDITS, OR MISSED FILINGS — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS ($50). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you; in that case our liability is limited to the smallest amount permitted by law.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your data, your tax or regulatory filings, your violation of these Terms, or your violation of any law or third-party right.

11. Termination

You may stop using the Service and delete your entities at any time. We may suspend or terminate your access if you materially breach these Terms, create risk or legal exposure for us, or if we discontinue the Service (with reasonable notice where practicable, and an opportunity to export your data). Sections 1, 2, 5, and 8–13 survive termination.

12. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and ask you to accept the new version inside the app before continuing to use the Service. Continued use after acceptance constitutes agreement to the updated Terms.

13. Governing law & disputes

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-law principles. Any dispute arising out of these Terms or the Service will be brought exclusively in the state or federal courts located in Utah, and you consent to their jurisdiction. If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

14. Contact

Questions about these Terms: kyleklintworth@simplerledger.com