Ledger Software – Terms & Conditions

1. Introduction

This agreement governs the access and use of services provided by Ledger Software Pte. Ltd. ("Ledger", "we", "our", "us"). It applies to all users accessing the platform, including the website, applications, APIs, and related services (collectively, "Services").

By using Ledger, you agree to these Terms. If you disagree, you may not use the Services.

2. Use of Services

You agree to:

Use Services only for legal, authorized, and ethical business purposes.
Maintain accurate account information.
Accept that Ledger may modify, suspend, or terminate Services with or without prior notice.

We reserve the right to suspend any account that causes harm to the platform or violates these Terms.

3. Data Usage

Ledger Software processes your data to provide Services and improve performance.

You retain ownership of your business data, but by using our Services, you grant us a non-exclusive, royalty-free, worldwide license to:

Store and index your data;
Analyze aggregated usage patterns to improve system performance;
Use anonymized data to train internal ML/AI models;
Generate insights, benchmarks, or features available across all user accounts;
Retain metadata and transactional logs for diagnostics and performance optimization.

We will not sell identifiable user data. We may share aggregated, non-identifiable summaries for analytics, product development, and partnerships.

4. Data Integrity and Platform Security

You agree NOT to:

Use automated systems (e.g., bots, scrapers, crawlers) to access any part of the platform;
Bypass or attempt to breach platform security;
Introduce malware, phishing, or unauthorized payloads;
Reverse-engineer, disassemble, or modify Services or their components;
Use the Services to violate the law or infringe rights.

5. Payments & Subscriptions

Certain features may require a paid subscription.

All fees are due upfront and billed in your local currency unless otherwise stated.
Subscriptions auto-renew unless cancelled before the billing cycle.
Refunds are not guaranteed and are issued only at Ledger's discretion.

6. Suspension & Termination

Ledger reserves the right to suspend or terminate your account at any time for violation of these Terms or misuse of the platform.

You may cancel at any time through your dashboard.
Upon cancellation or termination, data may be retained or deleted based on our operational needs.

7. Disclaimer of Warranty

Services are provided "as is." We do not guarantee:

That Services will be available uninterrupted;
That any data, analytics, or outputs are accurate;
That the Services are free from defects or harmful components.

8. Limitation of Liability

To the maximum extent permitted by law, Ledger shall not be liable for indirect, incidental, or consequential damages including:

Loss of data or profits;
Business interruptions;
Platform downtime or outages.

9. Governing Law

These Terms are governed by the laws of the Republic of Singapore. Any dispute shall be resolved in the courts of Singapore.