Terms of Service

These Terms of Service (the "Terms") are a legal agreement between you and Blueprint Ledger LLC, a Texas limited liability company with a mailing address at 5900 Balcones Drive STE 100, Austin, TX 78731 ("Blueprint Ledger," "we," "us," or "our"). The Terms govern your access to and use of the website at blueprintledger.com and the bank statement extraction service offered through it (collectively, the "Service").

By creating an account, accessing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

If you are using the Service on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms, in which case "you" refers to that entity.

You must be at least 18 years old and capable of forming a binding contract to use the Service. You agree to provide accurate and current information when you create an account, and to keep that information up to date.

You are responsible for all activity that occurs under your account, including any activity by your employees, contractors, and agents. Keep your account credentials secure and notify us promptly at contact@blueprintledger.com of any unauthorized access.

The Service helps you convert bank statement PDF files into structured transaction data. You upload a statement, our extraction engine reads the contents, our system reconciles totals against the statement's own summary, and you receive a review-ready dataset that you can download in CSV, Excel, or JSON format.

We continuously improve the Service. We may add, modify, or remove features. We will not materially reduce the functionality of a paid plan during a billing period for which you have already paid.

"Your Content" means the PDFs you upload, the extraction results we produce from them, and any edits, reviews, comments, or other materials you submit through the Service.

You own Your Content. We do not claim ownership of Your Content. You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, process, and transmit Your Content solely for the purpose of providing and improving the Service for you, and as otherwise instructed by you.

We do not use Your Content to train our own or any third party's machine-learning models.

By using the Service, you agree that you will not:

• Upload any document or data you do not have the legal right to upload and process — including bank statements belonging to another person or entity for whom you do not have a current authorization or engagement;
• Use the Service for any unlawful, harmful, fraudulent, infringing, or harassing activity;
• Reverse engineer, decompile, scrape, copy, or attempt to derive the source code, algorithms, or trade secrets of the Service, except to the extent applicable law expressly permits such activity;
• Probe, scan, attack, or test the vulnerability of any system or network associated with the Service except in accordance with our security disclosure policy;
• Bypass authentication, rate limits, or other access controls;
• Resell, sublicense, or commercially redistribute the Service without our prior written agreement;
• Use the Service to develop a competing product or service.

We may suspend or terminate your access if we reasonably believe you have violated this section.

The Service is a software tool. It is not a substitute for professional accounting, tax, legal, or financial advice. Extraction results may contain errors. You are responsible for reviewing, verifying, and reconciling all extracted data before relying on it for any tax, accounting, audit, regulatory, or other purpose. We make no representation that the Service is sufficient to meet your professional obligations, including obligations under the IRS Safeguards Rule, IRS Publication 4557, the Gramm-Leach-Bliley Act, or any state licensing rules applicable to accountants, bookkeepers, or tax preparers.

Some features of the Service are offered for a fee. By selecting a paid plan, you authorize us to charge you the applicable fees on the schedule shown at purchase.

• Billing. Subscription fees are billed in advance on a recurring basis (monthly or annual, as selected). All amounts are stated in U.S. dollars and are exclusive of any applicable taxes.
• Renewal. Subscriptions renew automatically at the end of each billing period at the then-current price unless you cancel before renewal.
• Cancellation. You may cancel at any time from your account settings or by emailing contact@blueprintledger.com. Cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable except as required by law.
• Price changes. We may change subscription prices for new billing periods with at least thirty (30) days' advance notice by email.
• Failed payment. If a charge fails, we may suspend access until the balance is paid.

We may offer a free tier of the Service with limits on usage. We reserve the right to change the limits of the free tier or discontinue the free tier with reasonable advance notice. The free tier is provided "as is" and without any service-level commitment.

The Service, including the website, software, documentation, visual design, and our logos and brand names, is owned by Blueprint Ledger and protected by U.S. and international intellectual-property laws. We grant you a non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms.

We welcome feedback. If you send us suggestions, ideas, or other feedback about the Service, you grant us a perpetual, royalty-free, irrevocable license to use that feedback for any purpose without any obligation to you.

You may stop using the Service at any time by closing your account. We may suspend or terminate your access if you materially breach these Terms; if we are required to do so by law; or if we discontinue the Service. If we terminate your account other than for your breach, we will refund any prepaid fees on a prorated basis.

On termination, we will delete Your Content within thirty (30) days unless retention is required by law. Sections that by their nature should survive termination — including those relating to payment for prior use, intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution — survive.

The Service is provided "as is" and "as available." To the maximum extent permitted by law, Blueprint Ledger and its affiliates, officers, employees, agents, and licensors disclaim all warranties, whether express, implied, statutory, or otherwise, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement, and quiet enjoyment.

We do not warrant that the Service will be uninterrupted, secure, timely, error-free, or that extraction results will be complete or accurate. Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, this section applies only to the extent permitted.

To the maximum extent permitted by law, in no event will Blueprint Ledger or its affiliates, officers, employees, agents, or licensors be liable for:

• any indirect, incidental, consequential, special, exemplary, or punitive damages;
• any loss of profits, revenue, business, goodwill, data, or business opportunities;
• any damages arising from your reliance on extraction results that contain errors;
• any damages arising from unauthorized access to or use of your account or content by a third party.

Our total cumulative liability for all claims arising out of or related to the Service is limited to the greater of (i) the amount you paid us for the Service in the twelve (12) months preceding the event giving rise to the claim, or (ii) one hundred U.S. dollars ($100).

These limitations apply even if a remedy fails of its essential purpose. Some jurisdictions do not allow these limitations; in those jurisdictions, our liability is limited to the smallest amount permitted by law.

You agree to indemnify, defend, and hold harmless Blueprint Ledger and its affiliates, officers, employees, agents, and licensors from and against any claim, demand, loss, liability, damage, or expense (including reasonable attorneys' fees) arising from or related to: (i) Your Content, including any allegation that Your Content infringes a third party's rights or that you uploaded data you were not authorized to upload; (ii) your violation of these Terms or applicable law; or (iii) your misuse of the Service.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

For any dispute arising out of or related to these Terms or the Service, you and Blueprint Ledger agree first to attempt informal resolution by emailing contact@blueprintledger.com. If we cannot resolve the dispute within sixty (60) days, the dispute will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be conducted in Lubbock County, Texas, in English. Judgment on the award may be entered in any court of competent jurisdiction. Notwithstanding the foregoing, either party may bring an action in small-claims court for claims within its jurisdiction, and either party may seek injunctive relief in court to protect its intellectual property.

You and Blueprint Ledger agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator has no authority to conduct class arbitration or consolidate the claims of multiple parties.

We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a notice on the Service before the change takes effect. The "Effective" date at the top of this page shows when the current version took effect. Continued use of the Service after a change becomes effective constitutes acceptance of the updated Terms.

These Terms, together with our Privacy Policy and any Data Processing Agreement applicable to you, constitute the entire agreement between you and Blueprint Ledger regarding the Service and supersede any prior agreements on that subject. If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force and effect. Our failure to enforce any right or provision is not a waiver of that right. You may not assign these Terms without our prior written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets. Notices must be sent to the contact addresses listed on this page.