LedgerMCP: Terms of Service

LedgerMCP, LLC

Effective date: July 7, 2026

Last updated: July 9, 2026

These Terms of Service ("Terms") are a legal agreement between you ("you," "your,"

or "Customer") and LedgerMCP, LLC ("LedgerMCP," "we," "us," or "our") governing

your access to and use of the LedgerMCP bookkeeping software, website, API, and

related services (collectively, the "Service").

By creating an account or using the Service, you agree to these Terms and to our

1. The Service

LedgerMCP provides double-entry bookkeeping software that you, and AI agents you

authorize, can use to record and manage financial information. The Service may

connect to your financial accounts through Plaid at your direction and may offer

paid features (such as live bank feeds).

2. Eligibility and Accounts

You must be at least 18 years old and able to form a binding contract. You are

responsible for the accuracy of your account information, for maintaining the

security of your login and any API keys you generate, and for all activity that

occurs under your account, including activity by AI agents you connect.

Authentication is passwordless via one-time email codes; keep access to your

email secure. You may generate and revoke API keys, and disconnect OAuth

connected apps, at any time; you are responsible for keys and connections until

revoked.

3. Your Data and License

You retain all rights to the data you submit to the Service ("Customer Data").

You grant LedgerMCP a limited license to host, process, and transmit Customer

Data solely to provide and improve the Service and as described in our Privacy

Policy. You represent that you have the right to submit the Customer Data and to

authorize any connected financial accounts.

You may export your Customer Data at any time.

4. Financial Data and Plaid

If you connect a financial account, you do so through Plaid, and your use of

Plaid is subject to Plaid's applicable end-user terms and privacy policy. You

authorize LedgerMCP to access and use financial account information obtained

through Plaid to provide the Service. You are responsible for the accuracy of

account connections and for reviewing the resulting bookkeeping records.

5. AI Agents

The Service is designed to be operated by AI agents you connect via an API key

or an OAuth authorization you grant. Any AI agent you authorize acts on your

behalf and within the access you provide (API keys may be full or read-only;

OAuth connections have full account access). **You are responsible for the

actions of agents you connect, including the transactions and changes they

make.** AI agents are provided by third parties (e.g., Anthropic, OpenAI) under

those parties' own terms; LedgerMCP does not control and is not responsible for

third-party agents. Every agent change is recorded in an audit log and financial

postings can be reversed.

6. Acceptable Use

You agree not to: (a) use the Service unlawfully or in violation of these Terms;

(b) attempt to gain unauthorized access to the Service, other users' data, or

our systems; (c) interfere with or disrupt the Service, including via excessive

or abusive request volume; (d) reverse engineer or circumvent security or usage

controls except as permitted by law; (e) upload malicious code; or (f) use the

Service to violate the rights of others.

7. Paid Features and Billing

Certain features (such as live bank feeds via Plaid) are offered on paid plans

priced by the number of connected accounts. Fees, plan limits, and billing terms

are presented in the Service. Unless stated otherwise, fees are billed in

advance, are non-refundable except as required by law, and paid plans renew

until cancelled. We may change pricing prospectively with notice.

Free and paid plans are subject to reasonable usage limits (such as caps on the

number of businesses and, on free plans, stored transactions) presented in the

Service. We may enforce these limits; when you reach one, the Service will tell

you how to raise it.

8. Not Financial, Tax, or Accounting Advice

The Service is a software tool. LedgerMCP is not an accountant, auditor, tax

advisor, or fiduciary, and the Service does not constitute financial, tax, legal,

or accounting advice. You are responsible for the accuracy and completeness of

your books and for consulting qualified professionals as needed. You are

responsible for reviewing any work performed by AI agents.

9. Third-Party Services

The Service integrates with third parties (including Plaid, AI-agent providers,

and infrastructure vendors). We are not responsible for third-party services,

and your use of them may be subject to their separate terms.

10. Intellectual Property

The Service, including its software, design, and content (excluding Customer

Data), is owned by LedgerMCP, LLC and protected by intellectual-property laws.

We grant you a limited, non-exclusive, non-transferable, revocable right to use

the Service in accordance with these Terms. All rights not expressly granted are

reserved.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY

KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY,

FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT

THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL ALWAYS BE

ACCURATE OR AVAILABLE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEDGERMCP, LLC AND ITS OWNERS AND

AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL,

CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT

EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE

MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S.

DOLLARS ($100).

13. Indemnification

You agree to indemnify and hold harmless LedgerMCP, LLC and its owners and

affiliates from any claims, damages, liabilities, and expenses (including

reasonable attorneys' fees) arising out of your Customer Data, your use of the

Service, your connected agents, or your violation of these Terms or applicable

law.

14. Termination

You may stop using the Service at any time and request account deletion as

described in the Privacy Policy. We may

suspend or terminate your access if you violate these Terms, create risk or

legal exposure, or as necessary to protect the Service or other users. On

termination, your right to use the Service ends; you may export your data before

termination, and we will handle remaining data as described in the Privacy

Policy.

15. Changes to These Terms

We may modify these Terms from time to time. We will post the updated version

with a revised "Last updated" date and, where appropriate, provide additional

notice. Your continued use of the Service after an update constitutes acceptance

of the revised Terms.

16. Governing Law and Disputes

These Terms are governed by the laws of the State of Florida, without regard

to its conflict-of-laws rules. The exclusive venue for any dispute not subject to

arbitration will be the state or federal courts located in Florida,

and you consent to their jurisdiction.

17. Miscellaneous

These Terms, together with the Privacy Policy, are the entire agreement between

you and LedgerMCP regarding the Service. If any provision is held unenforceable,

the remaining provisions remain in effect. Our failure to enforce a provision is

not a waiver. You may not assign these Terms without our consent; we may assign

them in connection with a merger, acquisition, or sale of assets.

18. Contact

LedgerMCP, LLC

Email: support@ledgermcp.com

Website: https://ledgermcp.com