Terms of Service

Effective: October 9, 2025

Last updated: October 9, 2025

1. Acceptance of terms

By creating a Ledgex account or otherwise using the app or website (“Service”), you agree to these Terms. If you do not agree, do not use Ledgex.

2. Eligibility

You must be at least 16 years old to use Ledgex. If you’re using the Service on behalf of an organization, you represent that you have authority to bind that organization.

3. Account and security

4. License

We grant you a personal, revocable, non-transferable license to use Ledgex in accordance with these Terms. You agree not to reverse engineer, distribute, or create derivative works from the Service.

5. User content

You retain all rights to expense information, receipts, and other content you submit. You grant Ledgex a limited license to host, process, and display that content solely for providing the Service.

6. Acceptable use

7. Payments and balances

Ledgex calculates balances for informational purposes only. We do not process actual money transfers or provide financial services. Settlement is between trip members.

8. Third-party services

The Service integrates with third parties such as Firebase, Apple, and Google. Your use of those services is subject to their respective terms and policies.

9. Feedback

Any feedback or suggestions you provide may be used by Ledgex without obligation to you.

10. Modifications

We may modify the Service or these Terms at any time. Material changes will be communicated via the app or email. Continued use after changes become effective constitutes acceptance.

11. Termination

You may stop using Ledgex at any time and delete your account in-app. We may suspend or terminate access if you breach these Terms or if it is necessary to protect other users.

12. Disclaimers

Ledgex is provided “as is” without warranties of any kind. We do not guarantee accuracy of calculated balances or continuous availability of the Service.

13. Limitation of liability

To the fullest extent allowed by law, Ledgex and its team will not be liable for indirect, incidental, special, or consequential damages, or any loss of profits or data, arising from your use of the Service.

14. Indemnification

You agree to indemnify and hold Ledgex harmless from claims arising out of your misuse of the Service or violation of these Terms.

15. Governing law

These Terms are governed by the laws of the State of California, excluding conflict-of-law principles. Any disputes will be resolved in the state or federal courts located in San Francisco County, California.

16. Contact

Questions about these Terms should be sent to support@ledgex.app or by mail to Ledgex, 123 Market Street, Suite 500, San Francisco, CA 94105.