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Terms of Service

Last Updated: April 2026

1. Acceptance of Terms

By accessing and using The Ledger ("the Platform"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this service.

2. Important Disclaimers

  • Not Financial Advice: The content, AI-generated narratives, theses, and analyses provided by The Ledger are for informational and educational purposes only. They do not constitute financial, investment, legal, or tax advice. You should consult with a qualified professional before making any financial decisions.
  • No Affiliation: The Ledger is an independent financial intelligence platform. We are entirely unaffiliated with, and not endorsed by, theledger.com, ledger.com (Ledger SAS), or any of their respective products or services.
  • Data Accuracy: While we strive to process SEC filings (EDGAR) and other financial data in real-time with zero lag, algorithmic synthesis can produce errors or hallucinate. We do not guarantee the absolute accuracy, completeness, or timeliness of our reports.

3. Subscription and Billing

Certain features of the Platform are available under a paid subscription ("Pro Account"). By subscribing, you agree to pay the fees associated with your chosen plan. Payments are processed securely via third-party providers (e.g., PayPal). All fees are non-refundable unless legally required. We reserve the right to change our pricing upon prior notice.

4. User Conduct and Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree not to share your account access, scrape our data, or use our platform for any illegal or unauthorized purpose. Violation of these terms may result in immediate termination of your account without a refund.

5. Intellectual Property

All proprietary algorithms, design, code, and content on the Platform are owned by The Ledger. You may not copy, modify, distribute, or reproduce any part of our platform without explicit written consent.

6. Limitation of Liability

In no event shall The Ledger, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.