Terms of Service

Service status

Local Ledger is launching worldwide as an invite-only personal finance app. Waitlist access does not guarantee an invitation, a specific launch date, or availability of every planned feature.

We may change, suspend, or discontinue parts of the service as the product develops.

Your account

You are responsible for the accuracy of the data you enter and for keeping your account secure.

Authentication, waitlist, and billing account flows are provided through Clerk. You must provide accurate account information and must not use another person’s account without permission.

Using Local Ledger

Local Ledger is a budgeting and personal finance tracking tool. It is not financial advice, tax advice, legal advice, investment advice, or accounting advice.

AI and scan features create transaction suggestions from images, text, or audio. You are responsible for reviewing, correcting, and deciding whether to save those suggestions.

Subscriptions and billing

Local Ledger may offer Free, Pro, Max, or other plans. Paid plan purchase, payment method handling, subscription management, invoices, and related payment processing are handled by Clerk Billing with Stripe as the payment processor.

Plan features, limits, prices, taxes, and renewal periods are shown at checkout or in the app. Unless otherwise stated at checkout, paid subscriptions renew until cancelled.

Acceptable use

Do not use Local Ledger to break the law, abuse the service, interfere with security, attempt to access another user's data, overload the app, reverse engineer non-public systems, or upload content you do not have the right to process.

Do not submit sensitive information that is not needed for personal finance tracking.

Local-first sync and availability

Local Ledger is designed to be local-first and offline-enabled, but synced account data is also processed through a hosted sync provider when online so it can be available across devices.

We aim to provide a reliable service, but we do not guarantee uninterrupted availability, error-free operation, or that every local or synced change will be available in every circumstance.

Third-party providers

Local Ledger relies on professional third-party providers with security and compliance programs for hosting, authentication, billing, payment processing, data sync, optional analytics, and AI infrastructure.

Your use of features involving those providers may also be subject to their terms, policies, and service availability.

Disclaimers and liability

To the maximum extent permitted by law, Local Ledger is provided "as is" and "as available." We disclaim warranties that the app will meet every need, produce accurate AI results, or remain available without interruption.

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or business interruption arising from use of the service.

Governing law

These terms are governed by the laws of New South Wales, Australia, unless mandatory local consumer laws require otherwise.

Changes and contact

We may update these terms as Local Ledger changes. Continued use after an update means you accept the revised terms.

Questions about these terms can be sent to privacy@local-ledger.app.