LedgerOne Financial Terms

1. No financial advice

LedgerOne is a financial organization, tracking, budgeting, and invoicing tool. LedgerOne does not provide banking, lending, credit repair, debt settlement, tax preparation, investment advisory, brokerage, accounting, or legal services.

2. Estimates only

Forecasts, payoff simulations, budget projections, category breakdowns, balance estimates, and recommendations are informational estimates only. They may differ from actual balances, payment obligations, fees, interest, penalties, or account activity.

3. User verification

You are responsible for verifying all bills, balances, due dates, invoices, tax information, payment obligations, and account information with the relevant financial institution, creditor, merchant, professional adviser, or official record. LedgerOne is a planning surface, not a system of record.

4. Plaid / bank linking

By connecting a financial account through Plaid, you authorize Orvica and its service providers (currently Plaid Inc.) to access, process, and display read-only account information as necessary to provide the requested features. You may disconnect at any time from /finance/settings; we will revoke the access token and delete or de-identify related synced data in accordance with our Privacy Policy, backup-retention rules, and legal obligations.

5. No fiduciary relationship

Use of LedgerOne does not create a fiduciary, advisory, accountant-client, attorney-client, broker-client, or lender-borrower relationship.

6. Card benefits, offers, and issuer data

LedgerOne may display credit-card rewards, issuer benefits, statement credits, insurance protections, purchase protections, annual fees, APR ranges, promotions, and eligibility notes. This information is informational only and may vary by issuer, card version, location, account status, enrollment, merchant coding, product changes, underwriting, and applicable law. Benefits can change without notice.

LedgerOne is not the issuer, network, insurer, underwriter, broker, or benefits administrator for any card. You must confirm all benefits, credits, reward rates, protections, exclusions, caps, enrollment requirements, claim procedures, and promotional terms directly with the issuer or official Guide to Benefits before relying on them.

7. Subscriptions, invoices, and shared expenses

LedgerOne may help detect recurring subscriptions, estimate renewal dates, categorize charges, split household expenses, generate invoices, and send reminders or receipts. These features depend on data from you, Plaid, Stripe, merchants, banks, and other users, and may be incomplete, delayed, duplicated, or incorrectly categorized.

• Invoices. You are responsible for the accuracy, legality, tax treatment, and recipient consent for invoices or payment requests you send.
• Payment status. Payment-received notices reflect data from Stripe or other payment providers and are not a guarantee that funds are final, irreversible, or free from dispute.
• Recurring charges. Recurring-detection is a prediction. You remain responsible for canceling subscriptions with the merchant and paying any amounts owed.
• No collection activity. LedgerOne is not a debt collector and does not collect debts, enforce private obligations, or adjudicate disputes between split participants.

8. Communications and consent

LedgerOne may send email, in-product, push, and SMS notifications for bill reminders, subscription alerts, card-benefit changes, invoice delivery, payment status, and security events. Non-security notifications can be turned off from notification settings or by using the unsubscribe or STOP instructions in the message. Security and account-service notices may still be sent where legally or operationally required.

9. Shared workspaces and authority

Inviting a household member, roommate, or partner to a shared workspace grants them access to the data scoped to their role (owner / editor / viewer). You represent that you have authority to add such persons and that they have consented to the data access. The workspace owner controls invitations and revocations.

10. GLBA scope

See the LedgerOne Financial Privacy Notice for the Gramm-Leach-Bliley Act disclosures regarding our handling of nonpublic personal financial information.

11. Order of precedence

For LedgerOne-specific matters: these LedgerOne Financial Terms control over the Orvica General Terms of Service, which control over any non-binding marketing copy.

12. Contact

Financial-data questions: privacy@orvica.co. Billing and subscription questions: billing@orvica.co.