Terms of Service

These Terms of Service (“Terms”) govern your access to and use of Ledgerary (the “Service”), including the website, the REST API and the MCP server. By creating an account, uploading a statement, generating an API key, or otherwise using the Service, you agree to these Terms. If you don’t agree, please don’t use the Service.

What the Service is — and isn’t

Ledgerary converts bank, credit-card and financial-statement PDFs you upload into structured data (transactions, totals, a balance check and a confidence score), exportable as Excel, CSV, JSON, or on paid plans QuickBooks/Xero/Sage-ready files — as a website, a REST API and an MCP server for AI agents. Ledgerary is a document-conversion tool. It is not a bank, lender or financial institution, is not affiliated with any bank or card issuer named on this site, and does not provide financial, accounting, tax or lending advice. Automated extraction can misread a low-quality scan; every result carries a balance check and a confidence score so you can judge it, but you remain solely responsible for reviewing the output before you file, post, or otherwise rely on it. Ledgerary extracts only the data present in the files you choose to upload — you are responsible for having the right to upload and process any statement you submit.

Accounts & API keys

You must provide accurate information when creating an account and keep your login credentials and API keys confidential. You’re responsible for all activity under your account and your API keys, including calls made by software or AI agents you configure with them. Tell us right away at hello@ledgerary.comif you suspect unauthorized access or a leaked key — we’ll help you rotate it.

Plans, billing & usage limits

Ledgerary offers the following plans: Free (free), Pro ($29/month), Scale ($99/month). Paid plans are billed monthly in advance via Stripe and renew automatically until cancelled. You can cancel at any time from your billing settings; your paid features remain active through the end of the period you’ve already paid for, and no partial-month refunds are issued except where required by law. Each plan carries a published monthly page allowance and rate limit (see Pricing); usage beyond the included allowance on Pro and Scale is billed as metered per-page overage rather than blocked outright, at the rate published on that page. The Free plan simply stops at its page allowance each month. We may change prices or quotas going forward, with notice before your next renewal.

Acceptable use of the API & MCP server

The API and MCP server are for converting your own statement documents as part of your product, workflow or agent — fair use consistent with your plan’s published rate limit and monthly page allowance. You agree not to:

• Exceed your plan’s published rate limit or attempt to circumvent it (key rotation, distributed calling, etc.);
• Upload documents you do not have the legal right to submit for processing, including statements belonging to a third party without authorization;
• Attempt to access other users’ accounts, API keys, uploaded files or extraction results, or reverse-engineer non-public parts of the Service; or
• Interfere with the Service’s normal operation, including through excessive automated load outside your plan’s limits.

Free-plan exports carry a small attribution footer; paid plans remove it. We may suspend or terminate accounts, or revoke API keys, that violate this section.

Your data

You own the statements you upload and the extraction results Ledgerary produces for you. We use them only to operate the Service for you, as described in our Privacy Policy — your source file is deleted after processing. You can export or delete your extraction results, and revoke API keys, at any time from your account.

Disclaimers & limitation of liability

The Service is provided “as is” without warranties of any kind, express or implied, and without any guarantee that an extraction result is complete, accurate, or suitable for a specific accounting, tax, lending or compliance purpose. To the fullest extent permitted by law, Ledgerary and its team are not liable for any indirect, incidental or consequential damages arising from your use of the Service, including a misread transaction, a reconciliation error, or a decision made by you or an agent you configure, even if we were advised of the possibility of such damages. Nothing in these Terms limits liability that cannot be limited under applicable law.

Termination

You may stop using the Service and close your account at any time. We may suspend or terminate access, or revoke API keys, for violation of these Terms or for non-payment on a paid plan, with reasonable notice where practical.

Changes to these Terms

We may update these Terms as the Service evolves. If we make a material change, we’ll update the date above and, where appropriate, notify you by email before it takes effect.

Contact

Questions about these Terms can be sent to hello@ledgerary.com.