Terms & Conditions

Introduction

These Terms and Conditions ("Terms") govern your access to and use of LedgerBeam's website, products, and services ("Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

LedgerBeam provides AI-powered financial data solutions, including but not limited to Talk to Data, Transaction Enrichment, and related analytics. These Terms apply to all visitors, users, and others who access or use the Service, whether as an individual or on behalf of an organization.

Acceptance of Terms

By accessing or using LedgerBeam, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you are using our Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

If you do not agree to these Terms, you must not access or use the Services. We may update these Terms from time to time, and your continued use of the Services after any changes constitutes acceptance of those changes. It is your responsibility to review the Terms regularly.

Description of Services

LedgerBeam provides a suite of AI-powered financial data services designed to help businesses and individuals gain actionable insights from their financial data. Our core offerings include:

• Talk to Data: Natural language interface for querying and analyzing your financial data, generating reports, and visualizing trends.
• Transaction Enrichment: Automated enhancement of transaction data with merchant identification, categorization, and contextual information.
• Entity Identification: Recognition and classification of merchants, vendors, and payment processors in your transaction data.
• Transaction Categorization: Machine learning-based classification of transactions into spending categories for budgeting and analytics.
• Recurrence Detection: Identification and prediction of recurring payments, subscriptions, and regular expenses.
• Other Analytics: Additional features and tools for financial data analysis, visualization, and reporting.

We may add, modify, or discontinue features at any time. Some features may be subject to additional terms or fees.

User Responsibilities

You agree to use the Services only for lawful purposes and in accordance with these Terms. You are responsible for:

• Maintaining the confidentiality of your account credentials and restricting access to your account.
• Ensuring that all information you provide is accurate, current, and complete.
• Complying with all applicable laws, regulations, and third-party rights when using the Services.
• Notifying us immediately of any unauthorized use of your account or any other breach of security.
• Obtaining all necessary consents and authorizations to provide us with any data you upload or process through the Services.

You are solely responsible for your conduct and any data, content, or materials you submit, upload, or display while using the Services.

Account Registration & Security

To access certain features, you may be required to register for an account. You agree to:

• Provide accurate, current, and complete registration information.
• Maintain and promptly update your information as necessary.
• Safeguard your password and not share your account with others.
• Accept responsibility for all activities that occur under your account.
• Notify us immediately if you suspect any unauthorized access or use of your account.

We reserve the right to suspend or terminate your account if you provide false information or violate these Terms.

Payment & Billing

Some Services may require payment of fees. By providing payment information, you authorize us (or our third-party payment processor) to charge all applicable fees to your chosen payment method. You agree to:

• Pay all fees and applicable taxes incurred by you or anyone using your account.
• Maintain valid and up-to-date payment information.
• Understand that all payments are non-refundable except as required by law or as otherwise stated in writing.
• Be responsible for any bank fees, chargebacks, or penalties resulting from your payment method.

We reserve the right to change our fees or introduce new charges at any time, with notice as required by law. Failure to pay may result in suspension or termination of your access to the Services.

Acceptable Use & Prohibited Activities

You agree not to misuse the Services or help anyone else do so. Prohibited activities include, but are not limited to:

• Violating any applicable law, regulation, or third-party right.
• Infringing or misappropriating intellectual property rights.
• Reverse engineering, decompiling, or disassembling the Services or any part thereof.
• Uploading, transmitting, or distributing viruses, malware, or other harmful code.
• Accessing or searching the Services by any means other than our supported interfaces (e.g., scraping, crawling, or using automated tools).
• Using the Services to transmit spam, unsolicited communications, or promotional materials.
• Attempting to gain unauthorized access to any part of the Services, accounts, or systems.
• Impersonating any person or entity, or misrepresenting your affiliation with any person or entity.
• Interfering with or disrupting the integrity or performance of the Services.
• Collecting or harvesting any information from the Services without our consent.

We reserve the right to investigate and take appropriate action against any violation of these Terms, including removing content, suspending accounts, and reporting violations to law enforcement.

Intellectual Property

All content, trademarks, logos, software, and intellectual property related to the Services are owned by LedgerBeam or its licensors. This includes, but is not limited to, all text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software.

You may not use, copy, reproduce, modify, distribute, transmit, display, perform, or create derivative works from any content or intellectual property from the Services without our prior written consent. All rights not expressly granted are reserved by LedgerBeam.

If you believe that any content on the Services infringes your intellectual property rights, please contact us at [email protected].

Data & Privacy

Your use of the Services is also governed by our Privacy Policy. By using the Services, you consent to the collection, use, and sharing of your information as described in the Privacy Policy, which explains how we handle your data, including:

• What information we collect and how we use it
• How we protect your data and ensure its security
• Your rights regarding your personal information
• How to contact us with privacy questions or concerns

Please review our Privacy Policy for more details. If you do not agree with our data practices, you must not use the Services.

Disclaimers & Limitation of Liability

The Services are provided "as is" and "as available" without warranties of any kind, either express or implied. LedgerBeam does not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

To the fullest extent permitted by law, LedgerBeam disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. LedgerBeam and its affiliates, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your use of or inability to use the Services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from the Services
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through the Services by any third party
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the Services

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless LedgerBeam, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, debt, or expenses (including attorney's fees) arising from:

• Your use of and access to the Services
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your content caused damage to a third party

This defense and indemnification obligation will survive these Terms and your use of the Services.

Modifications to Service or Terms

We reserve the right to modify, suspend, or discontinue the Services (or any part thereof) at any time, with or without notice. We may also update these Terms from time to time. Material changes will be communicated to you via email or through the Services.

Your continued use of the Services after any changes to the Terms constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Services.

Governing Law

These Terms and any dispute arising out of or related to them or the Services will be governed by and construed in accordance with the laws of the jurisdiction in which LedgerBeam is incorporated, without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in that jurisdiction, and you consent to the personal jurisdiction and venue therein.

Contact Information

If you have any questions about these Terms, the Services, or your account, please contact us at [email protected].

For legal notices or service of process, please use the contact information above and include "Legal Notice" in the subject line.