Terms of Service
Last updated: January 2026
1. Acceptance of Terms
By accessing and using Ledger, you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use this service.
2. Description of Service
Ledger is a free, browser-based lifestyle planning calculator that provides financial projections and estimates for educational purposes only.
Some features of Ledger allow users to model hypothetical, aspirational, or fictional scenarios. These scenarios are not representations of real-world outcomes and should not be interpreted as forecasts or guarantees.
3. Disclaimer
Ledger provides approximations only. 100% accuracy is not possible.
The calculations, tax estimates, and financial projections provided by Ledger are for informational and educational purposes only. They should not be considered as financial, tax, legal, or investment advice.
Tax laws vary by jurisdiction and change frequently. Always consult a qualified professional for decisions affecting your finances. Use of Ledger does not create any fiduciary, advisory, or professional relationship between you and Ledger or its creators.
4. No Warranty
Ledger is provided "as is" without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or reliability of any calculations or information provided.
5. Limitation of Liability
In no event shall Ledger, its creators, or affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this service.
6. User Responsibilities
You are solely responsible for any decisions you make based on information from Ledger. You agree to verify all calculations independently before making financial decisions.
7. Intellectual Property
All content, design, and code of Ledger are protected by intellectual property rights. You may not copy, modify, or distribute the application without permission.
8. Third-Party Advertisements
Ledger displays advertisements from third-party networks. We are not responsible for the content of these advertisements or any products/services advertised.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Continued use of Ledger after changes constitutes acceptance of the new Terms.
10. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.