Terms of Use
The ground rules for using Ledgerly. It is educational and it depends on everyone using it with integrity.
Effective October 28, 2026
These Terms of Use are two agreements. The User Agreement applies to everyone who creates an account — group administrators, instructors, and members alike. The Group License Agreement is between Native Chaos Holdings LLC and the group that registers on the platform. By creating an account you agree to the User Agreement and our Privacy Policy; if you register a group, you additionally confirm you are authorized to bind your group and that your group agrees to the Group License Agreement.
Part 1: User Agreement
For users accessing Ledgerly under a group’s license.
Agreement
By creating an account or using ledgerly.app, you agree to these Terms and to our Privacy Policy. This User Agreement applies to individuals accessing the platform under a group’s organizational license. Your access depends on your group’s active license.
Platform access
Ledgerly is provided to groups and their members. We may add, change, or remove features as the platform grows. Your access continues only while your group’s license remains active and your group authorizes your use.
Educational purpose only
Ledgerly provides financial education, not advice. Nothing on the platform is personalized financial, investment, tax, insurance, or legal advice, and no professional relationship is created by using it. Calculators and projections are estimates based on the numbers you enter. Consult a qualified professional before making significant financial decisions.
Accounts
- Provide accurate information and keep your password confidential.
- You are responsible for activity under your account. Tell us promptly if you suspect unauthorized access.
- Children should use the platform only with the involvement of a parent or guardian.
Acceptable use
Be honest, kind, and respectful in everything you submit to the platform. Do not submit content that is unlawful, harassing, hateful, sexually explicit, or that shares someone else’s private information. Do not use the platform to sell products or solicit investments. We and group administrators may remove content or suspend accounts that violate these standards.
Security and fair access
Do not attempt to access other users’ or other groups’ data, disrupt the service, probe it for vulnerabilities without permission, or use automated tools to scrape it.
Content and sharing
The curriculum, workbooks, and platform are owned by Ledgerly.app / Native Chaos Holdings LLC. Groups and members may use, print, and share the courses and workbooks for non-commercial group and personal use. Do not sell the materials, clone them, or present them as your own. You keep ownership of what you post and grant us permission to display it within your group community to operate the platform. We retain all right, title, and interest in the software. Cloning, replication, or unauthorized copying is strictly prohibited.
Restrictions
You shall not:
- Copy, modify, adapt, translate, clone, replicate, or create derivative works of the software or curriculum;
- Reverse engineer, decompile, or attempt to derive source code;
- Rent, lease, sell, sublicense, distribute, or transfer the software or your access;
- Use the software to develop or offer competing products; or
- Remove proprietary notices or share login credentials.
Availability and liability
The platform is provided “as is” and “as available.” We work to keep it reliable and accurate but do not guarantee uninterrupted service or error-free content. To the fullest extent permitted by law, we are not liable for financial decisions made or losses incurred based on use of the platform. Our total liability to you shall not exceed one hundred dollars ($100) or the amount paid for your access, whichever is less. You agree to indemnify us against claims arising from your use.
Ending use
You may stop using Ledgerly at any time and request account deletion. We or your group may suspend or close accounts that violate these Terms. Upon termination, you must stop using the platform and delete any downloaded materials.
Changes
We may update these Terms. Material changes will be reflected in the effective date above. Continued use after a change means you accept the updated Terms.
Governing law
This Agreement is governed by the laws of the State of Texas. Exclusive venue lies in the courts of Henderson County, Texas, or the Eastern District of Texas.
Part 2: Group License Agreement
Between Native Chaos Holdings LLC (“we,” “us”) and the group that accepts it (“Group”). This applies in addition to the User Agreement above whenever a group registers on the platform.
Agreement
By creating an account or using ledgerly.app on behalf of a group, you confirm that you are authorized to bind the group and agree to these Terms and to our Privacy Policy.
Platform access
Ledgerly is provided to groups and their members. We may add, change, or remove features as the platform grows. Access is limited to the number of seats purchased and remains subject to the Group’s payment of fees.
Educational purpose only
Ledgerly provides financial education, not advice. Nothing on the platform is personalized financial, investment, tax, insurance, or legal advice, and no professional relationship is created by using it. Calculators and projections are estimates based on the numbers entered. Consult a qualified professional before making significant financial decisions.
Group responsibilities
Group administrators and instructors can see member progress. The Group agrees to use member information only to teach, support, and encourage its members, to respect member privacy, and to manage invite codes and roles responsibly. The Group is responsible for all activity under its account and for ensuring that its members accept and comply with the User Agreement above. The Group remains liable for breaches by its authorized users.
Acceptable use
Be honest, kind, and respectful in everything submitted to the platform. Do not submit content that is unlawful, harassing, hateful, sexually explicit, or that shares someone else’s private information. Do not use the platform to sell products or solicit investments. We and group administrators may remove content or suspend accounts that violate these standards.
Security and fair access
Do not attempt to access other users’ or other groups’ data, disrupt the service, probe it for vulnerabilities without permission, or use automated tools to scrape it. Do not share credentials or exceed authorized seats.
Content and sharing
The curriculum, workbooks, and platform are owned by Ledgerly.app / Native Chaos Holdings LLC. Groups and members may use, print, and share the courses and workbooks for non-commercial group and personal use. Do not sell the materials, clone them, or present them as your own. Users keep ownership of what they post and grant permission to display it within the group community to operate the platform. We retain all right, title, and interest in the software. Cloning, replication, or unauthorized copying of the software, its code, curriculum, or workbooks is strictly prohibited.
Restrictions
The Group shall not, and shall not permit any third party to:
- Copy, modify, adapt, translate, clone, replicate, or create derivative works of the software or curriculum;
- Reverse engineer, decompile, or attempt to derive source code;
- Rent, lease, sell, sublicense, distribute, or transfer the software;
- Use the software to develop or offer competing products; or
- Remove proprietary notices.
Availability and liability
The platform is provided “as is” and “as available.” We work to keep it reliable and accurate but do not guarantee uninterrupted service or error-free content. To the fullest extent permitted by law, we are not liable for financial decisions made or losses incurred based on use of the platform. Our total liability shall not exceed the fees paid by the Group in the twelve months preceding the claim. The Group agrees to indemnify us against claims arising from the Group’s use or the use by its members.
Ending use
The Group may stop using Ledgerly at any time. We may suspend or close accounts that violate these Terms. Upon termination, all licenses cease and the Group must cause its members to stop using the platform and delete materials.
Changes
We may update these Terms. Material changes will be reflected in the effective date above. Continued use after a change means the Group accepts the updated Terms.
Governing law
This Agreement is governed by the laws of the State of Texas. Exclusive venue lies in the courts of Henderson County, Texas, or the Eastern District of Texas.
Contact
Questions about these Terms: info@ledgerly.app.