Terms of Service & Editorial Policy

1. Acceptance of Terms

Welcome to LedgerlyTools (https://ledgerlytools.com), operated by Grandview Spaces LLC ("we," "us," or "our"). By accessing or using our website, financial calculators, document generators, or educational guides, you agree to be bound by these Terms of Service. If you do not agree to these terms, please discontinue use of the site immediately.

2. Educational & Informational Purpose Only (No Financial, Tax, or Legal Advice)

All calculators, mathematical projections, tables, and articles published on LedgerlyTools are provided strictly for general informational and educational purposes. LedgerlyTools is not a registered investment advisor, broker-dealer, certified public accountant (CPA), tax preparer, mortgage lender, or law firm.

• No Fiduciary Relationship: Your use of any calculator or guide on LedgerlyTools does not create a financial advisory, fiduciary, accountant-client, or attorney-client relationship.
• Estimates & Assumptions: Financial calculations rely on user-entered assumptions (such as constant rates of return, inflation rates, or effective tax rates) and simplified mathematical models. Real-world loan terms, tax liabilities, investment returns, and credit scores depend on lender underwriting rules, federal and state statutory changes, market volatility, and individual credit bureau algorithms.
• Consult a Qualified Professional: Before making any significant financial decision — including taking out a mortgage, consolidating debt, refinancing student loans, taking an early 401(k) distribution, or filing taxes — you should consult a certified financial planner (CFP®), CPA, or qualified legal professional.

3. Editorial Policy & Mathematical Methodology

We hold our tools and educational guides to strict mathematical and editorial standards:

• Primary Public Data Sources: Tax brackets, standard deductions, retirement contribution limits, wage statistics, and household wealth benchmarks are sourced directly from official U.S. government publications, including Internal Revenue Service (IRS) Revenue Procedures, the Federal Reserve Survey of Consumer Finances (SCF), the Bureau of Labor Statistics (BLS) Occupational Employment and Wage Statistics (OEWS), and the Consumer Financial Protection Bureau (CFPB).
• Transparent Formulas: Every calculator page includes a dedicated explainer section documenting the exact mathematical formula used (such as standard fixed-rate loan amortization, compound interest time-value-of-money equations, or progressive tax bracket marginal calculations) along with its real-world limitations.
• Editorial Independence: Calculator outputs are 100% mathematical. We never alter, bias, or weight any calculation result to favor any bank, lender, or advertiser.

4. Local-First Privacy & Data Handling

All financial inputs you enter into LedgerlyTools calculators (income, balances, interest rates, invoice line items, or net worth figures) are processed locally in your browser via client-side JavaScript. We do not transmit, store, or sell your personal financial inputs. Certain tools (such as the Net Worth Calculator) optionally use your browser's local storage (localStorage) solely on your own device so you don't lose your place between visits. For full details on cookies and analytics, please review our Privacy Policy.

5. Intellectual Property & Permitted Use

All original code, interface designs, calculator logic, and written guides on LedgerlyTools are the property of Grandview Spaces LLC and are protected by applicable copyright and intellectual property laws. You may use our tools freely for personal or internal business planning (including generating and downloading PDF invoices using our Invoice Generator). You may not scrape, mirror, frame, or republish our calculators or articles on another website without prior written permission.

6. Disclaimer of Warranties & Limitation of Liability

LedgerlyTools is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied. While we test our formulas rigorously for mathematical accuracy, we do not warrant that any calculator or guide is free from typographical errors, software bugs, or outdated statutory thresholds.

To the fullest extent permitted by law, Grandview Spaces LLC and its contributors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or connected with your reliance on any calculation, projection, invoice, or article provided on this site.

7. Contact Information

If you have questions about these Terms of Service, want to report a calculation discrepancy, or have a general inquiry, please reach out through our Contact page.