Terms of Service

Who we are

LedgerMeAI is operated by Aarils Inc. (d/b/a LedgerMe), a Delaware corporation, [ADDRESS] (“we,” “us”). These terms cover the LedgerMeAI apps and ledgermeai.com (together, the “service”). By using the service you agree to them.

Eligibility and your account

You must be at least 18 to use LedgerMeAI. Keep your login details safe; you're responsible for activity on your account. Tell us right away if you think someone else has accessed it.

What LedgerMeAI is — and isn't

LedgerMeAI is a budgeting and organizing tool. Your guides teach, explain, and organize. They do not give financial, investment, tax, or legal advice, and nothing in the service is a recommendation to buy, sell, or do anything with your money.

LedgerMeAI does not move money. It is not a bank, lender, broker, or financial advisor. Your guide proposes changes to your budget and records; nothing is applied until you tap to confirm.

AI can make mistakes. Check proposals, categories, and imported figures before relying on them. Your financial decisions are your own responsibility. For advice about your situation, talk to a licensed professional.

Bank connections

By connecting a bank, you authorize us and our provider Plaid to access and retrieve your account and transaction information from your financial institution on your behalf. Plaid’s handling of your data is governed by the Plaid End User Privacy Policy.

Plaid provides the connection under its own terms. Connections are read-only. We don't control your bank or Plaid, and we aren't responsible for their availability or the accuracy of the data they send.

Plans, billing, and cancellation

LedgerMeAI has a free plan and paid subscriptions: Plus at $2.99 per month and Premium at $14.99 per month (US prices; local prices may differ and are shown in the app store before you buy). Planned: an optional Premium add-on to connect your own AI agent, planned at $4.99 per month. It isn't available yet, and you won't be charged for it until it launches and you choose to add it. Features and limits for each plan are shown on our pricing section and in the app.

Before you subscribe, the app shows the price, billing period, and what's included. Any free trial converts to a paid subscription at the price shown unless you cancel at least 24 hours before the trial ends.

Subscriptions are billed through the Apple App Store or Google Play, under their terms. They renew automatically until you cancel. Your payment method is charged at confirmation of purchase and at the start of each renewal period unless you cancel at least 24 hours before the end of the current period. You can cancel any time in your app store account settings (iPhone: Settings > your name > Subscriptions; Android: Google Play > Payments & subscriptions > Subscriptions). Heads up: deleting the app or your account doesn't cancel a store subscription. Cancellation takes effect at the end of the current billing period. Refunds are handled by the app store under its policies.

We may change prices or plan features. We'll give you notice before a price change affects your subscription, as required by the app stores and applicable law.

Features on our roadmap

Anything we describe as "coming soon" or on our roadmap isn't part of the service yet. Joining a waitlist doesn't guarantee a feature will launch, when, or at what price.

Your content and data

Your data stays yours. You give us permission to store and process it only to run the service for you, as described in our Privacy Policy. You can delete your account and data at any time at ledgermeai.com/delete-account.

Acceptable use

Don't misuse the service: no breaking the law, accessing other people's accounts or data, reverse engineering or overloading the service, using it to build a competing product, or trying to get around plan limits.

Our service

We own the LedgerMeAI apps, site, brand, and guide characters. We give you a personal, non-transferable right to use the service while these terms apply. We may update, change, or discontinue features, and we may suspend or close accounts that break these terms.

Disclaimers and limits on liability

The service is provided "as is" and "as available," without warranties of any kind, to the extent the law allows. We don't warrant that the service, its AI output, or data from banks or Plaid will be accurate, complete, or uninterrupted.

[DRAFT — COUNSEL TO REVIEW] To the fullest extent permitted by law, we won't be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, savings, or data, or for decisions you make based on the service. Our total liability for any claim relating to the service is limited to the greater of the amount you paid us in the 12 months before the claim or $50. Some jurisdictions don't allow these limits, so they may not apply to you.

[DRAFT — COUNSEL TO REVIEW] You agree to indemnify us against claims arising from your misuse of the service or breach of these terms.

Governing law and disputes (arbitration)

[COUNSEL TO CONFIRM] These terms are governed by the laws of the State of Texas, United States, except that this arbitration section is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.).

Informal resolution first. Before starting arbitration, email us at stefan@ledgermeai.com with your name, the email on your account, and a description of the dispute and the relief you want. You and we agree to try in good faith to resolve it informally for 60 days.

Binding individual arbitration. If we can't resolve it, you and we agree that any dispute arising out of or relating to these terms or the service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules and Consumer Fee Schedule then in effect (adr.org). You pay no more than the consumer filing fee those rules allow; we pay all other AAA and arbitrator fees. The arbitrator may award the same individual relief a court could.

Hearing location. Any hearing will take place in the county where you live, or by phone or video if you prefer. Claims under $25,000 may be decided on written submissions if you choose.

Exceptions. Either party may bring an individual claim in small claims court if it qualifies. Either party may also go to court to protect its intellectual property or to seek a temporary injunction to stop misuse of the service.

CLASS-ACTION AND JURY WAIVER. YOU AND WE EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION OR ARBITRATION. Claims may be brought only on an individual basis.

Your right to opt out. You may opt out of this arbitration agreement within 30 days of creating your account by emailing stefan@ledgermeai.com or writing to [ADDRESS] with your name, account email, and a clear statement that you opt out of arbitration. Opting out doesn't affect any other part of these terms.

Mass arbitration. [COUNSEL TO CONFIRM — batching terms] If 25 or more similar demands are filed by or with the help of the same law firm or organization, they will be administered in batches of up to 100 under the AAA's Mass Arbitration Supplementary Rules, with one arbitrator per batch, and statutes of limitation are paused while demands wait in the queue.

Severability. If the class-action waiver is found unenforceable for any claim, that claim (and only that claim) will proceed in court, not arbitration. If any other part of this section is found unenforceable, the rest still applies.

Courts. Any claim that isn't arbitrated (including opt-outs and the exceptions above) will be brought only in the state or federal courts located in Travis County, Texas [DRAFT - COUNSEL TO CONFIRM], and you and we consent to their jurisdiction.

Assignment

We may assign or transfer these terms, and our rights and obligations under them, to an affiliate or successor (including a planned Ledgermeai LLC), or in connection with a merger, acquisition, or sale of assets, by giving you notice. You may not assign these terms without our written consent.

Changes to these terms

If we change these terms, we'll update the date at the top and, for significant changes, tell you in the app before they take effect. Continuing to use the service after that means you accept the new terms.