Terms of Service

FamilyLedger (AccountBook) — Household Expense Tracker

Welcome to FamilyLedger / AccountBook ("the App," "we," "us," or "our"), operated by Jayden Shin ("Developer"). These Terms of Service ("Terms") govern your access to and use of the FamilyLedger mobile application, website (familyledger.us), and related services (collectively, the "Service").

By creating an account, checking the agreement box during registration, or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the Service.

1. Description of the Service

FamilyLedger is a household expense-tracking application that helps individuals and families organize spending in one place. Depending on your plan tier, features of the Service include:

• Capturing or uploading receipt photos and extracting merchant, line-item, and total information using automated AI processing.
• Entering manual expense records and tracking cash on hand.
• Linking eligible bank and credit card accounts via Plaid Inc. to import balances and transactions automatically.
• Connecting a Gmail account (read-only access) to import eligible purchase and order-confirmation receipts.
• Automatic deduplication between receipt records and bank transactions, monthly summaries, calendar views, category analytics, and shared family ledgers.

Informational Tool Only: FamilyLedger is an expense-organization tool. We are not a bank, financial institution, certified public accountant, financial advisor, or tax advisor. Nothing in the Service constitutes financial, investment, legal, or tax advice.

2. Eligibility and Account Registration

• You must be at least 13 years old (or the minimum legal age in your jurisdiction) to create an account and use the Service.
• You must provide a valid email address and verify it using the one-time verification code sent to your email before your account is activated.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately at gagebu.support@gmail.com if you suspect unauthorized access.

3. Family Sharing and Household Groups

• Every verified user starts with a personal family ledger as its owner. Owners on an eligible Pro plan may generate invite codes to invite up to five (5) total household members.
• When you join a family group, your expense records (receipts, manual entries, and imported bank transactions) are shared with and visible to all members of that family group. Your personal connection credentials and linked account identifiers (such as which specific bank or Gmail address you linked) remain private to you.
• The family owner manages the family group's subscription tier and may remove a member from the group. If a member is removed or joins another family group, that member's own expense records and linked connections move with them to their new solo or target family ledger.

4. Subscriptions, Auto-Renewal, and Cancellation

Plan Tiers

The Service offers a Free tier and paid subscription tiers ("Plus" and "Pro"):

• Free Plan: Up to 30 receipt scans per month, manual expense and cash entry, calendar and summary views. Bank and email auto-sync and multi-member family invites are not included.
• Plus Plan ($4.99/month): Unlimited receipt scans, email receipt sync, and bank auto-sync for up to 5 connected financial institutions per family.
• Pro Plan ($8.99/month): All Plus features, family sharing for up to 5 members via invite codes, and bank auto-sync for up to 10 connected financial institutions per family.

Prices may vary by region, currency, or promotional offers displayed in the Apple App Store or Google Play Store at the time of purchase.

Billing and Automatic Renewal

• Paid subscriptions are billed through your Apple App Store or Google Play Store account upon confirmation of purchase.
• Automatic Renewal: Subscriptions automatically renew at the end of each monthly billing cycle at the then-current price unless you cancel at least 24 hours before the end of the current billing period.
• Your store account will be charged for renewal within 24 hours prior to the end of the current billing period.

Cancellation and Expiration Policy

• How to Cancel: You may manage or cancel your subscription at any time through your device's Apple App Store or Google Play Store subscription settings (accessible via Settings > Subscription > Cancel Subscription in the App). Deleting the App or your FamilyLedger account does not automatically cancel an active store subscription.
• Effect of Cancellation or Expiration: If you cancel, your paid plan benefits remain active until the end of your current paid billing period, after which your family ledger transitions to the Free plan (or to Plus if you switched from Pro to Plus).
• No Data Loss on Downgrade: When a subscription expires or is downgraded, your family group is not dissolved and your existing family members and historical spending records remain intact. However, plan-restricted features (such as creating or redeeming new family invite codes, or automatic bank syncing if connected banks exceed your current plan's limit) are paused until the family owner resubscribes or brings usage within the current plan's limits.
• Refunds: All billing and refund requests are handled directly by Apple or Google in accordance with their respective store refund policies.

5. Acceptable Use

You agree to use the Service only for lawful personal or household expense-tracking purposes. You agree not to:

• Upload unlawful, fraudulent, defamatory, or malicious content, or files containing malware.
• Link bank or email accounts that you do not own or are not legally authorized to access.
• Attempt to bypass plan limits, authentication checks, Row-Level Security policies, or rate limits.
• Reverse engineer, decompile, scrape, or interfere with the operation or security of the Service or its backend infrastructure.
• Use automated scripts or bots to abuse AI receipt extraction, coupon redemption, or verification emails.

6. Third-Party Services and AI Processing

• Plaid & Google APIs: Bank connectivity is provided through Plaid Inc. and email receipt retrieval is provided through Google's Gmail API. Availability of specific financial institutions or email providers is not guaranteed and may be subject to maintenance windows or third-party limitations.
• AI Receipt Extraction & Categorization: Receipt scanning and transaction deduplication use automated AI models. AI outputs may occasionally misread a merchant name, date, line item, or amount. You are responsible for reviewing and verifying your expense records for accuracy.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT BANK SYNCING OR AI RECEIPT EXTRACTION WILL BE 100% ACCURATE AT ALL TIMES.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JAYDEN SHIN (DEVELOPER) OR OUR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, FINANCIAL LOSS, OR GOODWILL ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) TWENTY U.S. DOLLARS ($20.00).

9. Account Termination and Suspension

• By You: You may stop using the Service, disconnect linked accounts, or request deletion of your account at any time through the App or by contacting us at gagebu.support@gmail.com.
• By Us: We reserve the right to suspend or terminate your access to the Service if you materially breach these Terms, abuse third-party APIs or AI processing quotas, or engage in fraudulent or unlawful activity, or if required by law.

10. Governing Law and Updates to Terms

These Terms are governed by the laws of the Commonwealth of Virginia and applicable federal laws of the United States, without regard to conflict-of-law principles. We may update these Terms from time to time. When we make material changes, we will update the "Effective Date" and "Version" above and, where appropriate, notify you in the App or request your renewed consent.

11. Contact Us

If you have questions about these Terms of Service, please contact us at:

Jayden Shin
200 Tudor Dr., Winchester, VA 22603
Email: gagebu.support@gmail.com