Terms of Service

A. No Financial, Tax, or Legal Advice (No Fiduciary Duty): Quaestor Ledger is strictly a data organization and analytics utility. The Company is not a broker-dealer, registered investment adviser, certified public accountant (CPA), fiduciary, or legal counsel. None of the outputs generated by the Service, including the AI chat agent, constitute financial, investment, tax, or legal advice.

B. Not a Consumer Reporting Agency: Quaestor Ledger is not a consumer reporting agency and does not provide consumer reports as those terms are used under the Fair Credit Reporting Act or similar laws. You may not use the Service or any output from the Service to determine eligibility for credit, employment, insurance, housing, government benefits, or any other purpose requiring a consumer report.

C. AI Hallucinations & Heuristic Limitations: You acknowledge that AI features and heuristic systems are automated and may produce incomplete, stale, inaccurate, mislabeled, duplicated, or incorrect outputs. AI-generated outputs, categorizations, summaries, projections, confidence scores, and cash-flow estimates are provided for informational and organizational purposes only and may not reflect your official financial records.

D. Strict User Verification Required: You are responsible for reviewing and verifying all balances, transactions, categorizations, receipt extractions, tax-related summaries, cash-flow estimates, and AI chat outputs against official bank, card, tax, accounting, and legal records before relying on them. SilkTech, LLC is not responsible for financial losses, tax penalties, audit outcomes, missed deductions, overdrafts, bounced payments, or other damages resulting from reliance on automated outputs.

E. No Guarantee of Outcomes: Any budgets, cash-flow projections, savings insights, spending trends, or financial summaries are estimates based on available data and may be incomplete, delayed, duplicated, miscategorized, or inaccurate. We do not guarantee any financial outcome.

If you ask us to help move your records from another application ("Assisted Migration"), the following terms apply to your request and, if we accept it, to the move, in addition to the rest of these Terms.

Eligibility: Assisted Migration is available only where you have sent us a request and we have accepted it in writing before your free trial or subscription starts, and only with the subscription plan our website names for it at the time. Starting a free trial or a subscription does not by itself entitle you to Assisted Migration, and we may decline any request, for any reason, without having to give one. An accepted request lapses 14 days after our acceptance if, by then, neither a free trial of nor a subscription to the plan our website names for Assisted Migration has started, unless we agree a later date in writing. We may agree that date after the lapse, but, for a move inside your free trial, not once your free trial has ended or your first payment has been made; after your first payment, a move is one we may offer you as a subscriber under the last sentence of this paragraph. A request revived by such a date is no longer lapsed from the day we agree it; a copy or key that was deleted before that day, or whose deadline for deletion had passed by then, is not kept, and you provide a new one if the move needs it. A request you withdraw by telling us includes no move until we accept a new one; a lapsed request includes none until we accept a new one or agree that later date. If you are already a subscriber when you ask, we may offer a move on terms we agree with you in writing, and this Section applies to it other than its free-trial provisions.

What you provide: Once you have agreed to these Terms, by confirming your agreement to us in writing or by starting your free trial or subscription, you give us a copy of your records (for example an export, a backup, or the application's own data file) through the private channel we agree with you. Where your previous application offers it and its terms allow it, you may instead or in addition grant us access to your records there through an access key or token that you create for the move and can revoke, handed over through the same channel. We use that access only to read your records for the move, we change nothing in your previous application, we keep the key no longer than our copy of your records, and never longer at your request, and we ask you to revoke it as soon as any event occurs after which this Section has us delete the key. Where we ask to see records to judge whether and what can be moved, you may send them, or grant that access, under this Section before we have accepted your request and before your free trial starts; if we then decline your request, the copy and any key are deleted as this Section provides. Never send us passwords, bank credentials or recovery keys. Do not send files before we have agreed the channel, and do not send records that you do not have the right to share. By asking for a move you confirm that you control the account the records go into and that you may share the records, and any access key, with us for it. Section 4's limits on sensitive information do not apply to records or access you provide for an Assisted Migration; we use them only to judge your request and to make the move. Any cost of obtaining your records from your previous application, such as a paid tier it requires for an export, is yours. Any tool we provide to help you export your records is provided as is and for that purpose only; you run it on your own device, under your previous application's terms, and we never receive the credentials it uses.

How the move is done: We direct the Assisted Migration. We decide what can be moved, in what order and by what method, and our assessment of what is feasible is final. We review the records, prepare the move (the accounts, categories and history to be brought over, with transfers between the accounts that come over kept as transfers where your previous application recorded them as such, and, where your connected-bank history overlaps the moved history, a cutoff date we agree with you so a transaction is not counted twice), show you the result for your review, send you a written summary of it (the accounts, balances, totals, category mappings, the period the moved history covers, what stays behind, any agreed cutoff date and any difference we noted with its next step, never a copy of your records), and write it to your account only after you confirm that summary. What we discuss with you by email before or during the move is a plan, not a promise, and this Section governs it. Where our website states that the offer is included with a subscription plan, nothing is charged for it separately.

Scope: What can be moved depends on the condition of your records and on our ability to read them. Out of scope are records we cannot access or read, including (a) encrypted data you cannot open or export yourself first, (b) data held behind another service's access controls with no export and no access you can grant us, and (c) data in a format we cannot interpret. Some elements of your previous application, such as investment lots, budgets, rules, reports, scheduled items and attachments, may not be moved. Any limits stated on our website at the time of your request apply.

Inside your free trial: The Assisted Migration is done, reviewed by you and confirmed inside your free trial, before your first payment. If it will not be complete and confirmed by the end of your free trial, for any reason, including that we have not received what we need from you in time, then before your free trial ends we either extend your free trial, which we may do at our discretion, or end the move. If we end the move, we cancel your free trial before your first payment unless you tell us in writing that you want to keep your account. You may also cancel your free trial yourself at no charge at any time before your first payment. A free trial is available once; a later subscription starts without one.

If your free trial does not convert: "If your free trial does not convert" in Section 5 applies to your free trial, whether your first payment fails or the trial is cancelled, and our copy of your records and any access key are deleted with your account.

Our right to stop: We may stop an Assisted Migration at any stage, at any time and for any lawful reason, without having to give one. If we do during your free trial, we cancel the trial before your first payment unless you tell us in writing that you want to keep your account, you may cancel it yourself at no charge at any time before then, and, at your request, we remove any moved records from your account; that is your sole and exclusive remedy for our stopping it. If we stop a move made outside a free trial, your sole and exclusive remedy is the removal of any moved records from your account at your request. Section 9 also applies to your free trial or subscription.

Your review: Moved records are provided for your review, and Section 3 applies to them. You are responsible for checking balances, transactions and categorizations against your official records, and we do not guarantee that moved records are complete or that they match your previous application. Once you have confirmed the move and your first payment has been made, the move is accepted as reviewed, and no refund is owed for it under this Section except as "If your free trial does not convert" provides.

SOLE REMEDY: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IF THE ASSISTED MIGRATION GOES WRONG, OR YOU ARE NOT SATISFIED WITH ITS RESULT FOR ANY REASON, YOUR SOLE AND EXCLUSIVE REMEDY IS TO CANCEL BEFORE YOUR FIRST PAYMENT AT NO CHARGE, DURING YOUR FREE TRIAL OR AS "IF YOUR FREE TRIAL DOES NOT CONVERT" PROVIDES, AND, AT YOUR REQUEST, TO HAVE THE MOVED RECORDS REMOVED FROM YOUR ACCOUNT, INCLUDING FOR A RESULT CAUSED BY OUR NEGLIGENCE. FOR A MOVE MADE OUTSIDE A FREE TRIAL, YOUR SOLE AND EXCLUSIVE REMEDY IS TO HAVE THE MOVED RECORDS REMOVED FROM YOUR ACCOUNT AT YOUR REQUEST. SECTION 12 APPLIES TO ANY OTHER CLAIM IN CONNECTION WITH THE ASSISTED MIGRATION. THESE LIMITS APPLY INDEPENDENTLY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THIS SECTION LIMITS LIABILITY FOR FRAUD, GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

Our copy of your records: We keep our copy, and any access key you gave us, only as long as needed to judge your request, complete the move and any agreed follow-up, and delete them within 30 days after your request is declined, withdrawn or lapsed (a lapse undone within those 30 days by a later date we agree in writing no longer counts), or the move is completed or ends, or after your free trial or subscription ends, unless you ask us in writing to keep the copy longer, which never keeps the key, and except what we must keep, secured and for that purpose only, for a legal obligation or a claim between us, which we delete when that need ends. Until it is deleted, the Privacy Policy applies to our copy as it does to the records in your account; once records are in your account, they are your content under Section 4. Our correspondence with you, including our acceptance of your request, our replies, your confirmation and the summary you confirmed, is not part of our copy or our materials, and the confirmation and the summary are kept with it as the record of what was accepted; but your records in it, whoever sent or quoted them, are part of our copy, and a review page or plan attached to it, other than the summary, is part of our materials.

Our tools and review materials: The tools, scripts, methods, review pages, plans and decision formats we use to prepare and review the move are ours, whether or not any payment is made, and the ownership terms and restrictions of Section 2 apply to them and to any tool we provide to help you export your records, though your use of that tool is governed by "What you provide" above and not by the rest of this paragraph. Any access we give you to them, in whatever form, is for your review of the move only, may be withdrawn at any time, and gives you no right to copy, keep, extract or reuse them, or to share them except with your own advisers for that review; on request, and within 30 days after any event on which this Section has us delete our copy, you delete any copy of them you hold, ask any adviser you shared them with to do the same and use reasonable efforts to see it done, except what law or professional rules require the adviser to keep. This does not reach our correspondence with you, the acceptance of your request or anything else we agree with you in writing, or your own record of what you were shown and confirmed, such as balances, totals, mappings, an agreed cutoff date and any difference we noted with its next step, which you and your advisers may keep and use for your own records and any dispute with us, though a copy of a review page or plan itself is not such a record. This duty does reach a review page or plan attached to our correspondence, other than the summary. Your records and the facts in them or drawn from them remain yours wherever they appear, including in our materials, and those parts of our materials are deleted with our copy as this Section provides. Our general knowledge of how your previous application stores, exports or gives access to its data, learned while judging your request or making your move, is not one of those facts: it is ours to keep and use, and it never includes your records or any part or sample of them, even with names removed. The records in your account and your decisions about the move are yours as well.

The Service relies on third-party financial data aggregators and financial institutions to connect accounts, retrieve transactions and balances, and provide financial-data features.

Data Staleness & Delays: Bank syncs and third-party data feeds may be delayed, incomplete, duplicated, miscategorized, stale, unavailable, temporarily disconnected, or permanently unsupported by a financial institution. Account balances and cash-flow metrics may not be real-time and may differ from official bank or card records.

Third-Party Security: We are not responsible for acts, omissions, outages, data inaccuracies, unauthorized access, or security failures of third-party aggregators, financial institutions, payment processors, cloud providers, or other third-party services, except to the extent liability cannot be excluded under applicable law.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SILKTECH, LLC D/B/A QUAESTOR LEDGER, ITS MEMBERS, MANAGERS, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICE.

UNDER NO CIRCUMSTANCES WILL SILKTECH, LLC D/B/A QUAESTOR LEDGER BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF SILKTECH, LLC D/B/A QUAESTOR LEDGER FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE FORM OF THE ACTION, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU PAID TO US FOR THE SERVICE FOR THE BILLING PERIOD IN WHICH THE EVENT GIVING RISE TO THE CLAIM OCCURRED, OR (B) FIFTY U.S. DOLLARS ($50.00). THIS LIMIT DOES NOT REDUCE A REFUND THESE TERMS PROVIDE IN SECTIONS 5, 6 AND 9.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

Disclaimer of Warranties: THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND RELIABILITY.