The short version. Our apps measure and describe. They do not give advice. You own what you enter. Subscriptions renew until you cancel. We keep these terms as plain as we can.
Grumpy Guy Labs LLC ("we", "us") is a software company based in Maryland, USA. These terms cover this website and our apps, including The Ledger. By creating an account or using an app, you agree to them. If you do not agree, please do not use the apps.
The Ledger keeps a record of the money figures you enter and does arithmetic on them. It also shows public market figures, such as prices and interest rates, and where a price sits within its own history.
Nothing in our apps or on this site is financial, investment, tax, legal or accounting advice. The apps describe figures. They do not tell you to buy, sell or hold anything, and they do not recommend any product, account or strategy.
Market data comes from outside sources. It can be late, incomplete or wrong, and it can stop without notice. Your own entries can be wrong too. The apps never connect to your bank or broker and never move money. Check any figure that matters against the source before you rely on it.
You need an email address and a password to use The Ledger. Keep your password to yourself; you are responsible for what happens under your account. You must be at least 18 to create one. Tell us at admin@grumpyguylabs.com if you think someone else has gotten in.
What you enter is yours. You give us permission to store and process it only to run the apps for you. You can export it at any time, free, and you can delete your account and everything in it from inside the app. Our Privacy Policy says what we collect and where it goes.
Please do not break into the apps, overload them, resell them, scrape them, or use them to break the law. We may suspend an account that does.
The apps, their design, their code and their names belong to Grumpy Guy Labs LLC. You may use them for your own household or business records. These terms do not hand you any other rights in them.
We may change, pause or retire an app or a feature. If we retire a paid app, we will give notice and time to export your data. You may stop using the apps and delete your account at any time. We may close an account that breaks these terms.
The apps are provided "as is" and "as available". To the fullest extent the law allows, we make no warranties, express or implied, including that the apps will be accurate, uninterrupted, error-free, or fit for a particular purpose.
To the fullest extent the law allows, Grumpy Guy Labs LLC is not liable for any indirect, incidental or consequential loss, or for any investment, trading, tax or financial loss, that follows from using the apps or relying on a figure in them. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim, or $50 if you paid nothing.
These terms are governed by the laws of the State of Maryland, USA. Any dispute will be heard in the state or federal courts located in Maryland.
If we change these terms, we will post the new version here with a new date. For a change that matters, we will also tell you in the app or by email. Using the apps after a change means you accept it.
Grumpy Guy Labs LLC, Maryland, USA. admin@grumpyguylabs.com