Terms of Service

Last updated: June 19, 2026

These Terms of Service ("Terms") govern your use of Fresnaye Ledger ("the Service"), operated by Fresnaye & Company ("we", "our", or "us"). By creating an account or using the Service, you agree to these Terms.

1. Account Eligibility

To use the Service, you must:

• Be at least 13 years old (or 16 in jurisdictions where the higher minimum applies)
• Be capable of entering a binding contract under the laws of your jurisdiction
• Provide accurate, current information when you create your account
• Keep your password (or your Fresnaye ID credentials) confidential

2. Your Account

You are responsible for activity that occurs under your account. If you suspect unauthorized access, contact us immediately at security@fresnayeledger.com.

You may close your account at any time from the Settings page. Closing your account scrambles your personal information and ends your session; see our Privacy Policy for details on data retention.

3. Permitted Use

You may use the Service to:

• Track your personal finances, budgets, and debt payoff plans
• Upload statements and documents for your own analysis
• Generate reports for personal use, tax filing, or legal proceedings (e.g., bankruptcy trustee submissions)
• Use AI-powered features within your assigned daily token quota

4. Prohibited Conduct

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law
• Access the Service or its infrastructure by means other than the provided interface
• Attempt to probe, scan, or test the vulnerability of the Service, or breach security or authentication measures
• Reverse-engineer, decompile, or attempt to extract the source code of any part of the Service
• Use automated systems (bots, scrapers, etc.) to access the Service except as permitted by our published APIs
• Interfere with or disrupt the integrity or performance of the Service
• Use the Service to transmit malware, harmful code, or any content that infringes third-party rights
• Impersonate another person or entity, or misrepresent your affiliation with any person or entity
• Share your account credentials with another person, or use another person's account without permission
• Submit fraudulent or misleading information through any account-creation form

5. AI Features and Token Quota

The Service provides optional AI-powered features. Each account has a daily token quota for AI usage. We may adjust quotas based on plan, abuse patterns, or operating costs. We may rate-limit, suspend, or terminate AI feature access for accounts that exceed reasonable usage.

6. Financial Disclaimer

The Service is a tool for personal financial organization and tracking. It is not financial, tax, legal, or bankruptcy advice.

• Reports, projections, and AI-generated narratives are estimates based on the data you provide.
• Chapter 13 tracking features are for your own organization; they do not replace communication with your bankruptcy trustee or attorney.
• Always consult a licensed financial advisor, accountant, attorney, or other qualified professional before making material financial decisions.
• We are not responsible for financial decisions you make based on the Service.

7. Your Data

You retain all rights to the data you enter into the Service. You grant us a limited license to store, process, and display that data solely for the purpose of providing the Service to you.

You can export a complete copy of your data at any time from the Settings page.

8. Service Availability

We strive to keep the Service available, but we do not guarantee uninterrupted operation. We may suspend access for maintenance, updates, or security investigations. We are not liable for downtime, data loss, or other issues arising from interruptions to the Service.

9. Termination

We may suspend or terminate your account if you violate these Terms, abuse the Service, or engage in fraudulent activity. We will provide notice when possible. Upon termination, your right to access the Service ends immediately; provisions of these Terms that by their nature should survive (e.g., disclaimers, indemnity) will survive.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of security vulnerabilities.

11. Limitation of Liability

To the maximum extent permitted by law, Fresnaye & Company and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or use, arising from your use of the Service. Our total liability for any claim arising from the Service shall not exceed the greater of one hundred dollars (USD $100) or the fees you paid us in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Fresnaye & Company from any claims, damages, losses, or expenses (including attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

13. Changes to These Terms

We may revise these Terms from time to time. The "Last updated" date reflects the most recent revision. If we make material changes, we will notify you by email or through the Service. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of the State of Indiana, United States, without regard to its conflict-of-law provisions. Any disputes arising from these Terms or the Service shall be resolved exclusively in the state or federal courts located in Indiana.

15. Contact

Questions about these Terms? Contact us at:

Fresnaye & Company
Email: legal@fresnayeledger.com
Support: support@fresnaye.com