Terms of Service

1. Acceptance of Terms

Welcome to Ledgiva. By accessing or using our website at ledgiva.com (the "Site") and our invoicing and business management platform (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you and Ledgiva ("we," "us," or "our"). By creating an account or using the Service, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

2. Description of Service

Ledgiva is a Software-as-a-Service (SaaS) platform designed to help businesses manage their financial operations. Our Service includes, but is not limited to:

• Invoice creation, customization, and management
• Expense tracking and categorization
• Customer and vendor management
• Financial reporting and analytics
• Payment processing integration (via third-party providers)
• Multi-user access and team collaboration
• Data export and backup capabilities

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice.

3. Account Registration and Responsibilities

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information to keep it accurate and complete
• Maintain the security of your password and account credentials
• Accept all responsibility for activities that occur under your account
• Notify us immediately of any unauthorized use of your account

You are solely responsible for all content, data, and information uploaded, stored, or transmitted through your account. We are not liable for any loss or damage arising from your failure to comply with these security obligations.

4. Subscription and Billing Terms

4.1 Subscription Plans

Ledgiva offers various subscription plans with different features and pricing tiers. Subscription fees are billed on a monthly basis unless otherwise specified. All fees are stated in the currency displayed at the time of purchase.

4.2 Billing and Payment

By subscribing to a paid plan, you authorize us to charge your designated payment method on a recurring basis. You are responsible for providing valid payment information and maintaining sufficient funds or credit.

4.3 Auto-Renewal

Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current subscription fee for the renewal period.

4.4 Cancellation Policy

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of the current billing period. We do not provide refunds for partial billing periods or unused portions of the Service.

4.5 Price Changes

We reserve the right to modify our pricing at any time. We will provide at least 30 days' notice of any price changes. Your continued use of the Service after the price change takes effect constitutes acceptance of the new pricing.

5. User Data and Privacy

We take your privacy seriously. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

You retain all ownership rights to the data you upload to the Service ("User Data"). By using the Service, you grant us a limited license to access, store, process, and display your User Data solely for the purpose of providing the Service to you.

You are solely responsible for ensuring that your User Data does not violate any laws, infringe any third-party rights, or contain malicious code. You must have all necessary rights and consents to upload User Data to the Service.

6. Intellectual Property

The Service, including its software, features, functionality, design, text, graphics, logos, and other content (excluding User Data), is owned by Ledgiva and is protected by copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes.

You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works based on the Service or any portion thereof without our express written permission.

7. Prohibited Uses

You agree not to use the Service:

• For any unlawful purpose or in violation of any applicable laws or regulations
• To transmit any harmful, fraudulent, or deceptive content
• To interfere with or disrupt the Service or servers or networks connected to the Service
• To attempt to gain unauthorized access to any portion of the Service
• To impersonate any person or entity
• To collect or harvest any information from other users without their consent
• To resell or redistribute the Service to third parties
• To use automated systems (bots, scrapers) to access the Service

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEDGIVA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO 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
• Any conduct or content of any third party on the Service
• Any unauthorized access, use, or alteration of your data
• Any bugs, viruses, or harmful code transmitted through the Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

9. Indemnification

You agree to indemnify, defend, and hold harmless Ledgiva and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your User Data; (c) your violation of these Terms; or (d) your violation of any rights of another person or entity.

10. Termination

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause, with or without notice. Grounds for termination include, but are not limited to:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Extended period of inactivity

Upon termination, your right to use the Service will immediately cease. We will make reasonable efforts to provide you with access to export your User Data for a period of 30 days following termination, after which your data may be permanently deleted.

Sections of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, limitation of liability, and indemnification.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our Site and updating the "Last Updated" date. We may also send you an email notification of significant changes.

Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must stop using the Service and cancel your account.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Ledgiva operates, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Service shall be resolved through good faith negotiations. If a dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration or the courts of competent jurisdiction in our operating jurisdiction.

13. Miscellaneous

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ledgiva regarding the Service.

Severability: If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Waiver: No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term.

Assignment: You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

14. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us at: