Terms of Service

Last Updated: June 29, 2026

Welcome to LedgAR ("Platform", "Service", "we", "our", or "us").

By accessing or using the Platform, you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Platform.

1. Informational and Visualization Tool Only

LedgAR is an organizational, visualization, and workflow assistance platform designed to help users organize business-related information, transactions, records, and operational resources.

THE PLATFORM IS NOT:

accounting software certified for tax filing,
a substitute for a licensed accountant,
a substitute for legal counsel,
a substitute for financial advisors,
bookkeeping certification software,
tax preparation software,
financial auditing software,
or a professional advisory service.

All information, categorizations, summaries, forecasts, calculations, insights, recommendations, AI-generated outputs, and visualizations are provided strictly for informational and convenience purposes only.

Users must independently verify all information before relying on it.

2. User Responsibility

You acknowledge and agree that:

you are solely responsible for your business records,
you are solely responsible for tracking and reporting taxes,
you are solely responsible for maintaining accurate books and records,
you are solely responsible for verifying all transaction categorizations,
you are solely responsible for reviewing all imported or AI-generated data,
you are solely responsible for maintaining legal and financial compliance,
you are solely responsible for consulting licensed professionals where appropriate.

You understand that AI systems, automated categorization systems, imports, calculations, OCR systems, integrations, synchronization tools, and financial summaries are inherently prone to errors, omissions, inaccuracies, delays, corruption, duplication, or misclassification.

You agree that you will independently review and verify all data.

3. No Reliance

You agree not to rely on the Platform for:

tax filing decisions,
legal compliance decisions,
accounting conclusions,
investment decisions,
lending decisions,
financial reporting,
operational decisions,
business valuations,
regulatory compliance,
or any other material business decision.

Any reliance on the Platform is solely at your own risk.

4. No Professional Advice

Nothing provided through the Platform constitutes:

legal advice,
tax advice,
accounting advice,
financial advice,
fiduciary advice,
investment advice,
compliance advice,
or professional consulting.

Any educational content, recommendations, insights, alerts, warnings, or suggestions are general informational materials only.

5. AI and Automation Disclaimer

The Platform may use:

artificial intelligence,
machine learning,
automated categorization,
predictive systems,
OCR,
integrations,
third-party APIs,
rules engines,
and automated financial analysis systems.

These systems are experimental in nature and may produce inaccurate, incomplete, misleading, delayed, duplicated, corrupted, or incorrect results.

Users must independently verify all outputs.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

WE DISCLAIM ALL WARRANTIES, INCLUDING:

accuracy,
completeness,
reliability,
fitness for a particular purpose,
merchantability,
non-infringement,
uninterrupted availability,
security,
or data integrity.

UNDER NO CIRCUMSTANCES SHALL THE PLATFORM, ITS OWNERS, AFFILIATES, EMPLOYEES, CONTRACTORS, MANAGERS, DEVELOPERS, REPRESENTATIVES, LICENSORS, OR AGENTS BE LIABLE FOR:

lost profits,
lost revenue,
tax penalties,
audits,
business interruption,
data loss,
accounting errors,
missed deadlines,
financial losses,
legal claims,
operational damages,
security incidents,
third-party misuse,
identity theft,
data exposure,
or consequential damages of any kind.

YOUR USE OF THE PLATFORM IS ENTIRELY AT YOUR OWN RISK.

7. Data Security Disclaimer

While we may implement commercially reasonable security practices, no software platform, cloud provider, database, API integration, or online service can guarantee absolute security.

You acknowledge and agree that:

internet transmissions are inherently insecure,
software vulnerabilities may exist,
unauthorized access may occur,
third-party services may fail,
data breaches may occur,
uploaded documents may contain sensitive information,
and no security measures are guaranteed.

You assume all risks associated with storing information on the Platform.

Users are strongly encouraged NOT to upload:

highly sensitive personal information,
banking credentials,
social security numbers,
unencrypted confidential information,
or irreplaceable records.

8. Stored Offline Features

Certain features may allow users to mark information as "Stored Offline."

Users are solely responsible for maintaining, protecting, securing, and locating any offline records.

We do not verify or maintain any physical records.

9. Third-Party Integrations

The Platform may integrate with third-party providers including banks, APIs, financial institutions, cloud providers, AI systems, or software vendors.

We are not responsible for:

third-party outages,
incorrect third-party data,
API failures,
integration errors,
revoked access,
security incidents,
or actions of third-party providers.

10. Beta Features

Certain features may be experimental or beta features.

Beta features may:

malfunction,
lose data,
produce inaccurate results,
become unavailable,
or change without notice.

Use of beta functionality is entirely at your own risk.

11. Indemnification

You agree to defend, indemnify, and hold harmless the Platform and its owners, affiliates, managers, contractors, employees, and representatives from any claims, liabilities, damages, losses, or expenses arising from:

your use of the Platform,
your business activities,
your financial reporting,
your uploaded content,
your tax filings,
your regulatory obligations,
or your violation of these Terms.

12. Governing Law

These Terms shall be governed by the laws of the State of Indiana, without regard to conflict of law principles.

13. Arbitration

Any disputes arising from use of the Platform shall be resolved exclusively through binding arbitration in Indiana.

Users waive any right to participate in class action litigation.

14. Changes

We may modify these Terms at any time without notice.

Continued use of the Platform constitutes acceptance of updated Terms.

15. Contact

For questions regarding these Terms: hello@ledgar.online