Terms of Service

1. Acceptance of Terms

By creating an account, logging in, or utilizing any features of LedgerBI, you acknowledge that you have read, understood, and agree to be bound by these Terms. This agreement is a legal contract between you and LedgerBI (operated by [insert your company name or "the developers"]). If you are using the app on behalf of a company or organization, you represent that you have authority to bind that entity to these Terms. We reserve the right to update these Terms at any time, with notice provided via the app or email. Your continued use after modifications constitutes consent to the revised Terms.

2. Description of Service

LedgerBI is a development-stage application offering automated accounting solutions, financial reporting tools, and business intelligence features. During this phase, the service is provided "as is" and "as available," meaning we are actively refining functionality and may introduce changes or limitations. Our goal is to empower your business with effortless financial management, but we do not guarantee uninterrupted service or specific outcomes at this stage. Full warranties and support will be detailed upon official release.

3. User Accounts

To access LedgerBI's features, you must create an account. Your responsibilities include:

• Registration: Providing accurate, current, and complete information (e.g., name, email). You must update this information if it changes.
• Security: Safeguarding your account credentials (e.g., password) and notifying us through our contact page if you suspect unauthorized use.
• Account Activity: You are liable for all actions taken under your account, whether authorized by you or not.

We may suspend or terminate your account without prior notice if we detect violations of these Terms, illegal activities, or security risks. You may deactivate your account at any time by contacting us, though some data may be retained for legal or operational purposes (e.g., transaction records).

4. Use of Cookies

LedgerBI uses essential cookies to enable core functionality, as described in our Privacy Policy. These cookies manage your session, authenticate your login, and ensure security with settings like httpOnly: true and secure: true. Since these are necessary for the app to operate, no consent is required. If we introduce non-essential cookies (e.g., for analytics or personalization) in the future, we will seek your explicit consent through a visible banner and allow you to manage your preferences.

5. Prohibited Conduct

To maintain a safe and functional environment, you agree not to:

• Use LedgerBI for any illegal purpose, including fraud, money laundering, or tax evasion, which violates laws in Canada, the USA, or India.
• Attempt to reverse engineer, decompile, disassemble, or hack the app's code or infrastructure.
• Distribute viruses, malware, or other harmful content that could disrupt the app or other users.
• Impersonate another user, misrepresent your identity, or engage in spamming or phishing.
• Interfere with the app's operation, such as overloading servers or bypassing security measures.

Violations may result in immediate account termination, legal action, and reporting to relevant authorities. We reserve the right to investigate and cooperate with law enforcement if necessary.

6. Intellectual Property

LedgerBI, including its software, design, logos, content, and documentation, is protected by copyright law and owned by [insert your company name or "the developers"] under copyright © 2025 LedgerBI. All rights are reserved. We grant you a limited, non-exclusive, non-transferable license to use LedgerBI for its intended personal or business purpose (e.g., accounting automation). You may not:

• Reproduce, distribute, or create derivative works from the app without permission.
• Sell, lease, or sublicense the app to third parties.
• Remove or alter copyright notices or trademarks.

Any unauthorized use constitutes infringement and may lead to legal proceedings.

7. Limitation of Liability

During this development phase, LedgerBI is provided without express or implied warranties, except as required by law. Our liability is limited as follows:

• We are not responsible for indirect, incidental, consequential, or punitive damages, including lost profits, data loss, or business interruption, even if foreseeable.
• We are not liable for issues caused by your misuse, third-party actions, or internet failures beyond our control.
• Our total liability to you shall not exceed the amount you have paid us for the app, if any, during the past 12 months. Since this is a pre-release stage, no fees are currently charged.

These limitations apply to the fullest extent permitted by law in Canada, the USA, and India, and may be adjusted upon legal review after release.

8. Governing Law and Dispute Resolution

These Terms are governed by the laws of [insert your location, e.g., Ontario, Canada], without regard to conflict of law principles. Depending on your location, the following applies:

• Canada: Disputes will be resolved in the courts of [your city/province].
• USA: For California residents, disputes may be subject to CCPA provisions and resolved in [your U.S. state] courts.
• India: Disputes will follow the IT Act and be resolved in [your Indian city/state] courts.

We may offer arbitration as an alternative dispute resolution method upon full release. This section will be refined with legal counsel to address jurisdictional nuances.

9. Termination

You may terminate your use of LedgerBI at any time by deleting the app or requesting account deactivation through our contact page. We may terminate or suspend your access with or without notice if:

• You breach these Terms or engage in prohibited conduct.
• We discontinue the app or a specific feature.
• It is necessary for security or legal reasons.

Upon termination, your right to use LedgerBI ends, but we may retain certain data (e.g., transaction logs) as required by law for a specified period.

10. General Provisions

Severability: If any provision of these Terms is found invalid, the remaining provisions will remain enforceable.

Waiver: Our failure to enforce any right does not waive it.

Assignment: We may assign these Terms to a successor in case of merger or acquisition, with notice to you.

Entire Agreement: These Terms, along with the Privacy Policy, constitute the entire agreement between you and LedgerBI.

11. Contact Us

For questions, support, or to report issues with these Terms, please contact us:

• Contact Us: Visit our contact page for support and inquiries
• Support Hours: [Insert hours, e.g., Monday-Friday, 9 AM - 5 PM EST, to be determined post-release]