Terms & Conditions

These Terms and Conditions  govern the use of the MindLedger platform. By accessing or using the website, you agree to these Terms. If you do not agree, you may discontinue use of the Service at any time.

1. Purpose of the Platform
MindLedger provides a neutral digital space for individuals to organize their personal budgeting information.
The platform is designed for self-managed use only. It is not intended to offer financial, tax, legal, or personal advice. All content entered by the user remains personal and private.

2. User Eligibility
You may use the platform if you are an individual aged 18 or older.
Accounts are intended for personal, non-commercial use.
You are responsible for ensuring that the use of this platform complies with applicable laws in your location.

3. Account Registration
To access certain features, users may need to create an account.
During registration, you must provide a valid email address and create a password.
You are solely responsible for keeping your login credentials confidential and for all activity under your account.

4. User Content
MindLedger does not claim ownership over any content or data that you enter.
All entries, notes, or custom categories you create remain accessible only to you.
We do not review, analyze, or interpret your data. You may export or delete your information at any time from your account settings.

5. Platform Usage Rules
By using the Service, you agree to:

Not upload or store content that contains malicious code, scripts, or unauthorized third-party materials.
Not attempt to access accounts or information belonging to other users.
Use the platform only for personal budgeting organization, not for group, commercial, or shared purposes.
Respect the integrity and intended use of the software.

6. Availability and Access
MindLedger is available through standard web browsers.
We may make periodic updates to improve stability or layout.
Access may be temporarily limited during maintenance periods or for technical reasons. We aim to keep service interruptions minimal.

7. Modifications to the Terms
We may revise these Terms occasionally to reflect platform changes.
If changes are made, the updated version will be posted on this page with a new effective date.
Your continued use of the platform constitutes acceptance of the revised Terms.

8. Data Handling
All user data is processed according to the Privacy Policy and Cookie Policy.
No financial or sensitive information is collected unless explicitly provided by the user.
MindLedger does not integrate with external databases or financial institutions.

9. Termination
You may stop using the platform at any time.
You may also delete your account via the settings menu, which will remove all associated content.
MindLedger reserves the right to suspend or close an account in case of technical misuse or security concerns, without prior notice.

10. Contact Information
For questions regarding these Terms or the use of the platform, you can reach us at:

MindLedger
10320 124 St, Edmonton, AB T5N 1R2, Canada
Phone: +1 780 908 2253
Email: [email protected]