Terms of Service

1. Accepting these terms

By creating an account or using Lamp & Ledger (the “Service”), you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not use the Service. If you are agreeing on behalf of an organization, you represent that you have authority to bind it.

2. Who may use the Service

You must be at least 18 years old, a resident of the United States, and legally able to enter a binding contract. You must provide accurate registration information and keep it current. One person, one account, unless we agree otherwise in writing. A Spouse you invite through Family Sharing uses a login of their own to see your account; that is the one arrangement for a second person these terms provide for.

3. What the Service is

Lamp & Ledger is a personal budgeting and debt-payoff tool. It reads your financial accounts with your permission and helps you categorize spending, plan a budget, project upcoming balances, and model a debt payoff strategy.

It is a planning tool, not a bank, a lender, a money transmitter, a broker-dealer, or an investment adviser. It holds no funds and cannot move money. It cannot pay your bills, transfer between accounts, or make any change at your financial institution.

4. Not financial advice

Everything the Service shows you — budgets, payoff dates, interest projections, cash-flow forecasts, savings targets, and any comparison between strategies — is informational only. It is not financial, investment, tax, accounting, or legal advice, and it is not a recommendation to take or avoid any particular action.

Projections are estimates produced by a model from the data available to it. They rely on assumptions that may not hold, on data your bank supplies that may be incomplete, delayed, or wrong, and on figures you enter yourself. Actual results will differ. Interest, fees, and payoff dates shown by the Service are not a substitute for the terms in your account agreements, and where the two disagree, your lender’s figures govern.

You are solely responsible for your financial decisions. Consider consulting a qualified professional before acting on anything you see here.

5. Your account

• You are responsible for keeping your password confidential.
• You are responsible for all activity that happens under your account.
• Tell us promptly at info@lampandledger.com if you believe your account has been accessed without your permission.
• If you invite your Spouse through Family Sharing, you are responsible for what they do in your account with the access you gave them. Full Edit lets them add and change your financial records; Read Only lets them see everything and change nothing. You may change their access or remove them at any time from Settings → Family Sharing. You may invite one Spouse, and only to an email address that belongs to them.
• You may delete your account at any time from Settings → Security, once no Spouse is attached to it and no invitation is pending. Deletion is permanent and we cannot restore the data afterwards.

6. Bank connections

When you link a financial institution, you authorize us and our provider, Plaid Inc., to access and retrieve information from that institution on your behalf, on an ongoing basis, until you disconnect it. You represent that you are an authorized owner or user of every account you link.

Access is read-only. We are not responsible for the accuracy, completeness, or timeliness of data your institution provides, for outages at your institution or at Plaid, or for changes an institution makes that break a connection. You can disconnect at any time from Settings → Bank Connections.

Only the Owner of an account can link, reconnect, or disconnect an institution. A Spouse who shares the account cannot, whatever their access, and never receives the credential that reads it.

7. Fees and subscriptions

The Service is currently offered free of charge while in development. We may introduce paid plans in the future. If we do, we will describe the price and what it includes before you are asked to pay, and no charge will be made without your express authorization at that time. Any paid plan will be governed by additional terms presented at checkout, including billing cycle, renewal, and refund terms.

8. Acceptable use

You agree not to:

• Link an account you are not authorized to access.
• Use the Service for any unlawful purpose, or to violate anyone’s rights.
• Attempt to gain unauthorized access to the Service, other users’ data, or our systems; probe or test our security without our written permission; or interfere with normal operation.
• Scrape, crawl, or use automated means to access the Service, except for search engines obeying our robots file.
• Reverse engineer, decompile, or attempt to derive source code, except where that restriction is unenforceable by law.
• Resell, sublicense, or provide the Service to third parties as a service of your own.
• Upload malware, or content that is unlawful, infringing, or abusive.

If you find a security vulnerability, please report it to info@lampandledger.com rather than exploiting it. See our Security page.

9. Your content

Your financial data and anything you enter into the Service remain yours. You grant us a limited, non-exclusive license to host, process, transmit, and display that content solely to operate and improve the Service for you. This license ends when you delete the content or your account, except for copies in routine backups that expire on their own schedule.

Records in a shared account belong to that account and to its Owner. Anything a Spouse adds or changes with Full Edit becomes part of the Owner’s content, and leaving the account, or being removed from it, does not carry any of it with them.

We may create and use aggregated, de-identified information that cannot reasonably be linked back to you or your accounts.

10. Our intellectual property

The Service, including its software, design, text, graphics, and the Lamp & Ledger name and logo, is owned by Lamp & Ledger, LLC and protected by intellectual property law. We grant you a personal, non-transferable, revocable license to use the Service for your own personal, non-commercial financial management. We reserve all rights not expressly granted.

If you send us feedback or suggestions, you grant us an unrestricted right to use them without obligation to you.

11. Third-party services

The Service depends on third parties, including Plaid, your financial institutions, and our hosting and database providers. Your use of those services may be governed by their own terms. We are not responsible for third-party services, and their acts or omissions are not a breach of these terms by us.

12. Suspension and termination

You may stop using the Service and delete your account at any time, subject to the Family Sharing precondition in section 5: end any sharing first. A Spouse who deletes their own login leaves the shared account first, automatically. We may suspend or terminate your access if you breach these terms, if we are required to by law, or if continuing to provide the Service to you would create a security or legal risk. We may also discontinue the Service, in whole or in part, with reasonable notice where practicable.

Sections that by their nature should survive termination — including sections 4, 9, 10, 13, 14, 15, 16 and 18 — survive.

13. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DATA, CALCULATION, PROJECTION, OR CATEGORIZATION IT PRODUCES WILL BE ACCURATE OR COMPLETE. Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

14. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER LAMP & LEDGER, LLC NOR ITS OFFICERS, EMPLOYEES, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE — INCLUDING ANY FINANCIAL DECISION MADE IN RELIANCE ON IT — WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY.

OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow these limitations, so parts of this section may not apply to you.

15. Indemnification

You agree to indemnify and hold harmless Lamp & Ledger, LLC and its officers, employees, and suppliers from any claim, demand, loss, or expense, including reasonable legal fees, arising out of your use of the Service, your content, your violation of these terms, or your violation of any law or third-party right.

16. Disputes and governing law

These terms are governed by the laws of Tennessee, without regard to its conflict of laws rules.

Informal resolution first. Before filing a claim, you agree to contact us at info@lampandledger.com and give us 30 days to resolve the dispute informally.

If we cannot resolve it, you and we agree that any dispute will be brought exclusively in the state or federal courts located in Tennessee, and you consent to their jurisdiction. Each of us waives any right to a jury trial and to participate in a class action. Nothing in this section prevents either of us from seeking relief in small claims court, or from seeking injunctive relief in any court to protect intellectual property or to stop unauthorized access.

If a court holds either waiver in the previous paragraph unenforceable — some states do not permit a pre-dispute jury waiver — that waiver alone is severed and the rest of this section stays in force, including the choice of law and the choice of forum.

17. Changes to these terms

We may update these terms. We will change the “Last updated” date, and for material changes we will give notice by email or in the app before they take effect. Continuing to use the Service after that means you accept the updated terms. If you do not accept them, stop using the Service and delete your account.

18. General terms

• Electronic communications. You consent to receive notices, agreements, and disclosures from us electronically — by email to the address on your account, or shown in the Service — and you agree they satisfy any requirement that such communications be in writing. You may withdraw this consent by closing your account. To keep receiving them, keep your email address current.
• Notices to people you invite. When you invite your Spouse, we email them from a lampandledger.com address with your name and the access you offered, and we email each of you when the sharing starts, changes, or ends. By inviting someone you confirm that they would expect to hear from us about it.
• Entire agreement. These terms and the Privacy Policy are the whole agreement between us about the Service.
• Severability. If a provision is unenforceable, the rest stays in effect.
• No waiver. Not enforcing a provision is not a waiver of it.
• Assignment. You may not assign these terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither party is liable for delays caused by events outside its reasonable control.

19. How to contact us

Lamp & Ledger, LLC
info@lampandledger.com