Terms of Service

Acceptance of Terms

By accessing or using OpenLedger (“the Application”), you agree to be bound by these Terms of Service. If you do not agree to all of these terms, do not access or use the Application.

Description of Service

OpenLedger is a personal finance ledger that runs in your browser. It allows you to record transactions, organise accounts, set budgets and goals, and review your financial records. The Application is provided as free, open-source software and may be self-hosted independently.

License

OpenLedger is free, open-source software released under the GNU Affero General Public License v3.0 (AGPL-3.0). You may use, modify, copy, and distribute the software in accordance with the terms of that license. The full source code is available on GitHub.

No Financial Advice

OpenLedger is a tool for recording and organising financial records. It does not provide financial, investment, legal, accounting, or tax advice of any kind. Nothing in the Application constitutes a recommendation or solicitation to buy, sell, or hold any financial instrument. You are solely responsible for your financial decisions and should consult qualified professionals for personalised advice.

Disclaimer of Warranties

The Application is provided “as is” and “as available” without any warranty of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement. The developer makes no representation or warranty that:

• The Application will meet your specific requirements.
• The Application will be uninterrupted, timely, secure, or error-free.
• Any errors in the software will be corrected.

No advice or information obtained from the Application shall create any warranty not expressly stated in these terms.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the developer be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with your use of the Application. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory, even if the developer has been advised of the possibility of such damages.

Data Responsibility

You are solely responsible for maintaining copies of your data. The Application provides JSON export and optional cloud backup as convenience features, but these are not guarantees against data loss. The developer is not responsible for:

• Data loss resulting from clearing browser storage.
• Failed backups, overwrites, or corruption of backup files.
• Loss of access due to forgotten credentials or unavailable services.
• Any data loss arising from user error, hardware failure, or software bugs.

Service Availability

The hosted version of OpenLedger at ledger.kovina.org is provided on a best-effort basis. We do not guarantee uninterrupted availability. The Application may be unavailable for maintenance, updates, or due to unforeseen issues with hosting infrastructure. Because the software is open-source, you may self-host it independently at any time.

User Responsibilities

You agree to:

• Use the Application only for lawful purposes.
• Not use the Application to store or transmit unlawful, harmful, or fraudulent information.
• Not attempt to disrupt, compromise, or reverse-engineer the hosted service.
• Comply with all applicable local, national, and international laws.

Third-Party Services

The optional cloud backup feature relies on Supabase, a third-party platform. If you choose to use cloud backup, your data is subject to Supabase's Terms of Service. The Application is hosted on Vercel, subject to Vercel's Terms of Service. We are not responsible for the operation, security, or availability of these third-party services.

Governing Law

These terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions. Any disputes arising out of these terms shall be resolved in the courts of Toronto, Ontario.

Changes to These Terms

We reserve the right to update these terms at any time. Changes will be effective immediately upon posting the revised terms. Continued use of the Application after changes constitutes acceptance of the new terms. Material changes will be communicated through the Application. We encourage you to review these terms periodically.

Severability

If any provision of these terms is found to be unenforceable or invalid under applicable law, the remaining provisions shall continue in full force and effect.

Contact

For questions about these terms, please contact:

Sparsh Sam
Email: sparshsam@gmail.com
GitHub: github.com/sparshsam