Terms of Service

These Terms apply to the LoanLedger website and network services at loanledger.dev, operated by LoanLedger. Separate products or entities (including any separate Devvit app) are governed by their own terms.

By accessing or using LoanLedger services, you agree to these Terms of Service. If you do not agree, do not use the service.

You must be at least 13 years old to use LoanLedger services. If you are under the age of majority where you live, you may use the service only with permission and supervision from a parent or legal guardian.

LoanLedger provides software and related services for lending records, network signaling, and account management. Features may change over time.

LoanLedger is not a lender, broker, debt collector, or loan servicer. LoanLedger does not originate loans, set loan terms, or guarantee borrower performance. Users are solely responsible for their lending decisions, contract terms, and legal compliance.

• You are responsible for maintaining confidentiality of your account credentials.
• You must provide accurate account information.
• You are responsible for activity under your account.

• Do not use the service for unlawful, abusive, or fraudulent activity.
• Do not attempt unauthorized access, disruption, or reverse engineering beyond applicable law.
• Do not submit malicious payloads or interfere with service availability.

Some features require a paid subscription. Payments are processed by Stripe and subject to Stripe terms. Subscription status may affect access to network-related features.

Unless required by law, subscription payments are non-refundable. If you cancel, access continues through the current paid period and then ends (or downgrades) at renewal.

We may add, remove, or modify features at any time. We try to keep the service available and reliable, but we do not guarantee uninterrupted availability.

Your use of the service is also governed by our Privacy Policy.

LoanLedger and related branding, software, and content are owned by LoanLedger or its licensors. These Terms do not transfer ownership rights to you.

The service is provided on an "as is" and "as available" basis without warranties of any kind, to the fullest extent permitted by law.

LoanLedger provides software tools and network signals for recordkeeping and risk visibility. The service does not provide legal, tax, accounting, or financial advice.

To the fullest extent permitted by law, LoanLedger is not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, data, or goodwill.

We may suspend or terminate access for violations of these Terms, security risk, or operational necessity.

If you have a dispute or concern, contact support@loanledger.dev first so we can try to resolve it informally.

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. Any dispute not resolved informally will be brought exclusively in the state or federal courts located in Ohio, and you consent to that jurisdiction and venue.

We may update these Terms from time to time. Continued use after updates means you accept the revised Terms.

• Support: support@loanledger.dev
• Support URL: /support