Terms of Use and Licence Agreement

1. Who these terms are between

These Terms of Use and Licence Agreement (the "Terms") are an agreement between you and the independent developer trading as EstateLedger ("we", "us", "our"), covering the EstateLedger desktop software (the "Software"), this website, and the guides published on it (together, the "Service").

By downloading, installing or using the Software, or by using this website, you accept these Terms. If you do not accept them, do not download or use the Software and do not use this website.

2. What the Software is — and what it is not

The Software reads transaction data that you supply, applies rules you can inspect, and produces a workbook from the entries you have reviewed and classified. It does not decide whether an item is a proper estate expense, a distribution, or anything else — every flagged item is presented to you with the reason it was flagged, and you make the determination.

3. Your responsibilities

You are solely responsible for:

• The accuracy and completeness of what you put in. The Software cannot know about an account you did not import, a statement you did not obtain, or a transaction that never reached a bank record.
• Every classification and judgement you make while reviewing flagged items, and every figure you enter, including opening and closing balances.
• Checking the output before anyone relies on it. You must review the workbook and satisfy yourself that it is correct and complete before you give it to a beneficiary, an attorney, an accountant, a court, or any other person.
• Meeting the requirements that apply to you — the format your court accepts, filing deadlines, the terms of the will, and your duties as a fiduciary. We make no representation that a workbook produced by the Software will satisfy any particular court, registry, statute or other party.
• Your own data. The Software stores your estate file on your own computer. Keeping backups, and keeping that computer secure, is up to you.

4. Licence

The Software is free to download, install, and use for importing, reconciling and reviewing an estate. Exporting the finished workbook requires a licence key.

When you purchase a licence key we grant you a personal, non-exclusive, non-transferable, revocable licence to use the Software to administer one estate, for as long as these Terms are in force. Licences are per estate; administering a second estate requires a second licence.

You may not: resell, rent, sublicense, publish or share your licence key; remove or circumvent the licensing mechanism; reverse engineer, decompile or disassemble the Software except to the extent that applicable law expressly permits it despite this restriction; or use the Software for any unlawful purpose.

We retain all intellectual property rights in the Software, this website and its content. You keep everything you create with it: your estate data and the workbooks you export are yours, and we claim no rights in them.

5. Price, payment, refunds and tax

Purchases are processed by Gumroad, not by us, and are subject to Gumroad's own terms. Gumroad issues your licence key and your receipt, and handles refunds. Sales tax or VAT may be added at checkout depending on where you live.

A 7-day money back guarantee applies to licence purchases. Because importing, reconciling and reviewing are free, you can determine whether the Software does what you need before you pay anything. To request a refund, reply to your Gumroad receipt or write to the address in section 12.

We may change the price of a licence at any time. A change never affects a purchase already made.

6. Availability, changes and support

We may modify, suspend or discontinue the Software, the website, or any part of either, at any time and without notice. We are not obliged to provide updates, new versions, or continued compatibility with future operating systems. Because the Software runs entirely on your own computer and requires no server, a copy you have already installed and activated will continue to work as it did.

We try to answer support questions about the Software, but we do not guarantee any response time, and we do not provide advice about your estate (see section 2).

7. Disclaimer of warranties

THE SERVICE, INCLUDING THE SOFTWARE, THIS WEBSITE AND ALL GUIDES AND OTHER CONTENT, IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SOFTWARE WILL BE ERROR-FREE OR UNINTERRUPTED, THAT IT WILL DETECT EVERY ITEM THAT MATTERS, THAT ANY CALCULATION, FLAG, RECONCILIATION OR OUTPUT WILL BE ACCURATE OR COMPLETE, OR THAT ANY WORKBOOK IT PRODUCES WILL BE ACCEPTED BY ANY COURT, AUTHORITY, BENEFICIARY OR OTHER PERSON. WE DO NOT WARRANT THAT ANY GUIDE OR OTHER CONTENT ON THIS WEBSITE IS ACCURATE, CURRENT OR APPLICABLE TO YOUR SITUATION.

Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions the above exclusions apply to the fullest extent permitted, and nothing in these Terms limits any warranty or right that cannot lawfully be limited.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS EXPRESSLY INCLUDES, WITHOUT LIMITATION, ANY SURCHARGE, PENALTY, INTEREST, TAX, FEE, REMOVAL, PERSONAL LIABILITY, LITIGATION COST, DELAY, OR OTHER LOSS ARISING FROM AN ACCOUNTING THAT IS INCOMPLETE, INACCURATE, REJECTED, OR DISPUTED — INCLUDING ONE PREPARED WITH THE HELP OF THE SOFTWARE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU ACTUALLY PAID US FOR A LICENCE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD 59. IF YOU HAVE NOT PAID US ANYTHING, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE SERVICE.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of the above may not apply to you. Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, wilful misconduct, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded. Where liability cannot be excluded, it is limited to the minimum permitted by law.

9. Indemnity

To the extent permitted by law, you agree to indemnify and hold us harmless from any claim, demand, loss, liability or expense (including reasonable legal fees) brought by a third party — including a beneficiary, co-executor, creditor, court or authority — and arising out of your use of the Service, any accounting or document you produce with it, your breach of these Terms, or your breach of any duty you owe in your capacity as executor, administrator, trustee or other fiduciary.

10. Third parties and links

This website links to third-party sites and services, including Gumroad and public sources such as government agencies. We do not control them, we are not responsible for their content, practices or availability, and a link is not an endorsement.

11. Governing law and disputes

These Terms are governed by the laws of the Republic of Korea, without regard to its conflict-of-laws rules, and the courts of the Republic of Korea will have jurisdiction over any dispute.

If you are a consumer, this does not deprive you of the protection of any mandatory consumer-protection provisions of the law of the country where you habitually reside, and you may also have the right to bring proceedings there.

You agree to contact us first and give us a reasonable opportunity to resolve any complaint before starting formal proceedings.

12. Changes, severability and contact

We may update these Terms. The effective date at the top will change, and the updated Terms apply to your use of the Service from the date they are posted. If a change is material and you do not accept it, your remedy is to stop using the Service.

If any provision of these Terms is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the remaining provisions will stay in full force. Our failure to enforce a provision is not a waiver of it. These Terms, together with the Privacy Policy, are the entire agreement between us regarding the Service.

Questions about these Terms: swm.lee0294@gmail.com.