Terms of Service

Effective date: March 25, 2026 Last updated: March 25, 2026

These Terms of Service (“Terms”) form a binding legal agreement between you and Contractor’s Ledger, Inc. (“Contractor’s Ledger,” “we,” “our,” or “us”) governing your access to and use of the platform at contractorsledger.com and all associated services (the “Service”).

Please read these Terms carefully. By creating an account or using the Service, you accept these Terms in full. If you are using the Service on behalf of a business, you represent that you have authority to bind that business to these Terms.

1. Eligibility and Account Registration

1.1 Eligibility. You must be at least 18 years old and capable of forming a binding contract to use the Service. The Service is intended for use by contractors, freelancers, and small business owners in the United States. Use from outside the United States is permitted but not officially supported.

1.2 Account creation. You must provide accurate, complete, and current information when registering. You may not use a false identity, impersonate another person, or create an account on behalf of someone else without authorization.

1.3 Account security. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at [email protected] if you suspect unauthorized access. We are not liable for losses caused by unauthorized access resulting from your failure to safeguard your credentials.

1.4 One account per user. Each subscription is for a single business entity. You may invite additional users (team members) within your subscription tier. You may not share login credentials between individuals.

2. Subscriptions and Billing

2.1 Free trial. We may offer a free trial period. No payment method is required to start a trial unless stated otherwise. At the end of the trial, your account will automatically convert to a paid subscription or be downgraded to a free tier, as applicable. We will notify you by email before any charge occurs.

2.2 Subscription plans. Subscription pricing, features, and billing cycles are described at contractorsledger.com/pricing. We may offer monthly or annual billing options.

2.3 Automatic renewal. Subscriptions renew automatically at the end of each billing cycle at the then-current rate unless you cancel before the renewal date. You authorize us (and our payment processor, Stripe) to charge your payment method on file for each renewal.

2.4 Price changes. We may change subscription prices at any time. For existing subscribers, price changes take effect at the next renewal after 30 days’ written notice by email.

2.5 Payment failure. If a payment fails, we will retry the charge according to our standard dunning schedule. If payment remains outstanding after three attempts, we may suspend your account until payment is received. You remain responsible for all amounts owed during any suspension period.

2.6 Refunds. All fees are non-refundable except as required by applicable law or as described below:

If you cancel within 7 days of a paid renewal and have not used the Service during that billing period, you may request a full refund by contacting [email protected].
Annual subscribers who cancel within 30 days of their annual renewal date may request a pro-rated refund for unused months.
We do not issue refunds for partial months.

2.7 Taxes. Prices listed do not include applicable sales taxes. You are responsible for any taxes, duties, or levies imposed on your subscription by your local jurisdiction.

2.8 Cancellation. You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. You will retain access to the Service until that date. We do not prorate cancellations for partial periods.

3. Your Data

3.1 Ownership. You own all financial records, job data, invoices, and client information you enter into the Service (“Your Data”). We do not claim ownership of Your Data.

3.2 License to operate the Service. By using the Service, you grant us a limited, non-exclusive, royalty-free license to store, process, and display Your Data solely as necessary to provide the Service to you.

3.3 Data export. You may export Your Data at any time in CSV or PDF format through your account dashboard. We encourage you to export regularly and maintain your own backups.

3.4 Data after cancellation. After you cancel your account, we will retain Your Data for 90 days during which you may request an export. After 90 days, your data will be permanently deleted from our active systems, subject to our legal retention obligations described in our Privacy Policy.

3.5 Accuracy of data. You are solely responsible for the accuracy, completeness, and legality of Your Data. We are not responsible for errors in financial reports, tax calculations, or other outputs that result from inaccurate or incomplete input data.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in a manner consistent with these Terms. You agree not to:

Use the Service to commit fraud, tax evasion, money laundering, or any other illegal activity
Enter false, fabricated, or misleading financial data for the purpose of deceiving any person, lender, surety, or government agency
Reverse engineer, decompile, or otherwise attempt to access the source code of the Service
Use automated tools (bots, scrapers, crawlers) to access the Service without our written permission
Attempt to probe, test, or exploit security vulnerabilities in the Service
Resell, sublicense, or provide access to the Service to third parties outside of your authorized team members
Interfere with the operation of the Service or place unreasonable load on our infrastructure
Use the Service to store or transmit malware, spyware, or other malicious code
Impersonate Contractor’s Ledger or its employees in any communication

We reserve the right to suspend or terminate any account that we believe, in our reasonable judgment, is violating this section.

5. Service Availability and Support

5.1 Availability. We target 99.5% monthly uptime for the Service, excluding scheduled maintenance windows announced at least 48 hours in advance. We do not guarantee uninterrupted availability and are not liable for any downtime, data loss, or damages arising from service interruptions.

5.2 Scheduled maintenance. We may take the Service offline for maintenance. We will post advance notice on our status page at status.contractorsledger.com and send email notification when maintenance windows exceed 30 minutes.

5.3 Support. Paid subscribers receive email support with a target first response time of one business day. Support is available in English, Monday through Friday, 9am–6pm Eastern time. Enterprise subscribers may have access to priority support as described in their plan.

5.4 Feature changes. We may add, change, or remove features at any time. We will provide advance notice for removals that materially impact existing functionality.

6. Intellectual Property

6.1 Our intellectual property. All software, algorithms, interfaces, designs, trademarks, logos, and content comprising the Service (excluding Your Data) are owned by Contractor’s Ledger or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you ownership of or a license to our intellectual property except the limited right to use the Service as described herein.

6.2 Feedback. If you submit ideas, bug reports, feature requests, or other feedback, you grant us an irrevocable, perpetual, royalty-free license to use and incorporate that feedback into the Service without compensation or attribution to you.

7. Third-Party Services and Integrations

The Service may integrate with or link to third-party services (such as Stripe, QuickBooks, or bank connections via Plaid). Your use of third-party services is subject to those providers’ terms and privacy policies. We do not endorse and are not responsible for the practices, availability, or content of third-party services.

8. Disclaimers

8.1 No professional advice. The Service provides tools to help you organize and track financial information. It does not constitute accounting, tax, legal, or financial advice. You should consult a qualified professional for advice specific to your situation. Any reports, calculations, or summaries generated by the Service are provided for informational purposes only.

8.2 No warranty. THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES.

9. Limitation of Liability

9.1 Exclusion of consequential damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER CONTRACTOR’S LEDGER NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9.2 Cap on liability. OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO US IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

9.3 Essential basis. THE LIMITATIONS IN THIS SECTION REFLECT A REASONABLE ALLOCATION OF RISK AND ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND US. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

10. Indemnification

You agree to indemnify, defend, and hold harmless Contractor’s Ledger and its officers, directors, employees, contractors, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) Your Data; (c) your violation of these Terms; or (d) your violation of any applicable law or the rights of any third party.

11. Termination

11.1 By you. You may terminate your account at any time by canceling your subscription in your account settings or by contacting us at [email protected].

11.2 By us. We may suspend or terminate your account immediately without notice if: (a) you materially breach these Terms and fail to cure within 10 days of notice; (b) you engage in fraudulent or illegal activity; (c) we are required to do so by law; or (d) your payment remains delinquent after our dunning process concludes.

11.3 Effect of termination. Upon termination, your right to access the Service ceases. Sections 3.4, 6, 8, 9, 10, and 12 survive termination.

12. Governing Law and Dispute Resolution

12.1 Governing law. These Terms are governed by the laws of the State of [STATE], without regard to conflict of law principles.

12.2 Informal resolution. Before initiating any formal dispute, you agree to contact us at [email protected] and attempt to resolve the matter informally for at least 30 days.

12.3 Arbitration. If informal resolution fails, any dispute arising out of or related to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that either party may seek injunctive relief in a court of competent jurisdiction. Arbitration will be conducted on an individual basis — you waive any right to participate in a class action lawsuit or class-wide arbitration.

12.4 Jurisdiction. For matters not subject to arbitration, you consent to exclusive jurisdiction in the state and federal courts located in [COUNTY, STATE].

13. Changes to These Terms

We may update these Terms at any time. We will notify you by email and post a prominent notice in the platform at least 14 days before material changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the changes, you must cancel your account before the effective date.

14. Miscellaneous

14.1 Entire agreement. These Terms, together with our Privacy Policy and any applicable order forms or engagement letters, constitute the entire agreement between you and Contractor’s Ledger with respect to the Service.

14.2 Severability. If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

14.3 Waiver. Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it in the future.

14.4 Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. We may assign these Terms to a successor entity in connection with a merger, acquisition, or sale of assets.

14.5 Force majeure. We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including natural disasters, internet outages, or government actions.

15. Contact

For questions about these Terms:

Email: [email protected] Mailing address: Contractor’s Ledger, Inc. [Street Address] [City, State, ZIP]