Terms of Service

Please read these Terms of Service ("Terms") carefully before using Ledgewise (the "Service") operated by TenderLab ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By using the Service, you represent that you meet these requirements.

2. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at founder@tenderlab.studio if you suspect unauthorized access.

3. Subscription and Billing

Ledgewise offers a free tier and a Premium subscription billed monthly or annually. Subscription fees are charged in advance and are non-refundable except as required by applicable law or as described below.

Refund policy. If you end up with both a web subscription and an App Store or Google Play subscription, we cancel the web subscription immediately and refund the unused part of the period you paid for, pro rata, to your original payment method, so you are not charged twice. Subscriptions bought through Apple or Google are billed, managed and refunded by them under their policies; contact them to cancel or request a refund. For anything else, write to founder@tenderlab.studio and we will review it.

We may change subscription pricing with 30 days' notice. Continued use after a price change constitutes acceptance of the new price.

Free trials, if offered, convert automatically to a paid subscription at the end of the trial period unless you cancel before the trial ends.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law
• Attempt to gain unauthorized access to our systems or other users' accounts
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to transmit spam, malware, or other harmful content
• Misrepresent your identity or affiliation with any person or organization

5. Financial Data Disclaimer

Ledgewise is a personal budgeting tool, not a financial advisor. The Service provides budget tracking, forecasting, and organizational tools. Nothing in the Service constitutes financial, investment, tax, or legal advice. Always consult a qualified professional for financial decisions.

If you link accounts with a partner, you decide which debts to share, and you are responsible for sharing only what you are comfortable with. A shared debt shows your linked partner its name (which may identify the lender), balance, interest rate and minimum payment while the link is active. If you enter a monthly extra amount toward shared debts, your partner sees it too. It is a planning figure only: Ledgewise does not move money. Disconnecting your partner turns sharing off.

You can also share individual envelopes with your linked partner. They see the envelope's name and this month's budgeted and spent totals, never its transactions, and you decide which envelopes to share. Disconnecting your partner turns this sharing off too.

The negotiation kit provides call scripts and letter templates for you to edit and send yourself. Ledgewise does not contact creditors or collectors on your behalf, does not guarantee any outcome, and the templates are not legal advice.

6. No Money Movement

Apart from collecting your Ledgewise subscription fee through Stripe (see section 3), Ledgewise does not hold, transmit, or move your money. We are not a bank, a payment processor, a money transmitter, or a lender. We never take custody of your funds and we never initiate, authorize, or execute a payment, transfer, or withdrawal on your behalf. Our access to your bank accounts through Plaid is read-only.

Envelopes, balances, forecasts, debt payoff plans, and "safe to spend" figures are record-keeping and planning tools. An envelope is a label on your own budget, not an account that holds money. Any payment you choose to make happens outside Ledgewise, directly between you and your bank or creditor, and you are solely responsible for making it. The "next payments" list shows how much your plan suggests you pay each debt and when it is due. It is a checklist for you to follow, not an instruction to anyone: Ledgewise sends nothing to your bank or creditor and does not schedule or make the payment. If you tell us you made a payment ("I paid this"), or approve a plan, Ledgewise only records that: it updates your balance and saves your choice, and does not make, schedule, or confirm any payment.

If we ever offer a feature that involves payments, we will update these Terms first and ask for your separate consent before it is available to you.

7. Connected Apps and AI Assistants

You may authorize a third-party app or AI assistant (for example, Meta Muse) to read parts of your Ledgewise data. Before an app can connect, you are shown what it is asking to read and you decide whether to allow it, and you can revoke access at any time in Settings. Connected apps can read your data only; they cannot change your budget or move money. We log the requests a connected app makes (which app, which tool, when, how long it took, and whether it succeeded or was blocked) and never record the figures involved. Entries are deleted after 90 days.

Connected apps and AI assistants are operated by third parties. We do not control what they say or do with the information you share with them, and anything they tell you is not financial advice from us. Your use of them is governed by their own terms.

8. Third-Party Services

The Service integrates with Plaid (bank connectivity), Stripe (payments), and Anthropic (AI features). Your use of these integrations is also governed by their respective terms of service. We are not responsible for the availability or accuracy of third-party services.

9. Intellectual Property

The Service and its original content, features, and functionality are owned by TenderLab and are protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, or distribute any part of the Service without our written permission.

You retain ownership of the financial data you import or enter into the Service.

10. Termination

We may suspend or terminate your account at our discretion if you violate these Terms or engage in conduct we determine to be harmful to the Service or other users. You may cancel your account at any time from the account settings page.

Upon termination, your right to use the Service ceases immediately. We delete your personal data as described in our Privacy Policy.

11. Limitation of Liability

To the maximum extent permitted by law, TenderLab shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the Service.

Our total liability to you for any claim arising from these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

12. Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranty of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.

13. Governing Law

These Terms are governed by applicable law, without regard to conflict of law provisions.

14. Changes to These Terms

We may update these Terms from time to time. We will provide at least 14 days' notice of material changes via email or in-app notice. Continued use of the Service after changes take effect constitutes your acceptance of the new Terms.

15. Contact

Questions about these Terms? Contact us at founder@tenderlab.studio.