Terms of Service

Last updated: June 30, 2026 · Governing law: State of Florida

Please read these Terms of Service ("Terms") carefully before using Goldledger. By accessing or using our platform, you agree to be bound by these Terms. If you do not agree, do not use Goldledger.

1. About Goldledger

Goldledger is an AI-powered financial operating system that automatically generates income statements, cash flow statements, balance sheets, and a Gold Score from your connected bank account data. Goldledger provides financial information — it does not provide financial advice, accounting services, tax preparation, or any other licensed professional service.

2. Eligibility

• You must be at least 18 years of age to use Goldledger
• You must have the legal authority to connect the bank accounts you link
• You must provide accurate information when creating your account
• Goldledger is currently available to users in the United States only

3. Not Financial Advice

Everything Goldledger generates — including income statements, cash flow statements, balance sheets, Gold Scores, GoldExplain summaries, GoldTax analysis, and AI recommendations — is provided for informational purposes only. None of it constitutes financial advice, investment advice, tax advice, or accounting advice.

You are solely responsible for verifying all financial information and for any financial decisions you make. Consult a licensed financial advisor, CPA, or attorney for advice specific to your situation.

4. Subscription and Pricing

• Standard subscription: $29/month, billed monthly
• Founding member pricing: $19/month, locked for life as long as your subscription remains continuously active
• Founding member pricing is forfeited if you cancel and resubscribe
• You may cancel your subscription at any time from your account settings
• Cancellation takes effect at the end of your current billing period
• We reserve the right to update standard pricing with 30 days advance notice

5. Free Trial and Refunds

• New users receive a 7-day free trial with full access to all features
• No credit card is required during the free trial period
• After the trial period ends, your subscription will begin automatically if you choose to continue
• We do not offer refunds after the 7-day free trial period has ended
• If you experience a technical issue that prevents you from using the service, contact hello@goldledger.co within 7 days for review

6. Bank Connections and Data

• Bank connections are powered by Plaid with read-only access only
• Goldledger cannot initiate transfers, make payments, or move money in any way
• You may revoke bank access at any time from your account settings
• Transaction data is used only to generate your financial statements and Gold Score
• We do not sell your financial data to any third party

7. Accuracy of Information

Goldledger generates financial statements and analysis based on the transaction data available from your connected accounts. The accuracy of our outputs depends on the completeness and accuracy of your bank data. We make no warranty that our statements, scores, or analysis are error-free or complete.

You are responsible for reviewing all generated statements before using them for any purpose, including tax filing, loan applications, or business decisions.

8. GoldTax — Coming 2027

GoldTax is a planned feature expected to launch in 2027. Any draft tax information generated by GoldTax is for informational purposes only and must be reviewed carefully before filing. Goldledger is not a licensed tax preparation service. You are responsible for the accuracy of any tax return you file.

9. Limitation of Liability

To the fullest extent permitted by law, Goldledger shall not be liable for any financial losses, decisions, or damages resulting from your use of our platform. This includes but is not limited to losses arising from:

• Inaccurate or incomplete financial statements
• Gold Score calculations that do not reflect your full financial picture
• AI analysis or recommendations you act upon
• Tax information generated by GoldTax
• Decisions made based on any Goldledger output

10. Account Termination

You may close your account at any time by contacting hello@goldledger.co. We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or misuse our platform. Upon termination, your data will be deleted within 30 days.

11. Changes to These Terms

We may update these Terms from time to time. We will notify you of significant changes by email or platform notice with at least 14 days advance notice. Continued use of Goldledger after changes take effect constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of Florida. Any disputes arising from these Terms or your use of Goldledger shall be resolved in the courts of Florida.