Welcome to LyfeLedger ("the Platform," "the Application"), an all-in-one management platform that helps users streamline their finances, tasks, calendar, and group collaborations. LyfeLedger is developed, owned, and operated by BHZ Software Services ("the Business," "we," "us," or "our"), a sole proprietorship. These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and BHZ Software Services governing your access to and use of the LyfeLedger Platform, including our website, mobile application, and all related services, features, content, and functionality. By accessing or using LyfeLedger, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Platform.
To use LyfeLedger, you must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater.
By using the Platform, you represent and warrant that you have the legal capacity to enter into these Terms and that you are not prohibited from using the Platform under applicable laws.
If you are using LyfeLedger on behalf of an entity, organization, or company, you represent and warrant that you have the authority to bind such entity to these Terms, and you agree to be bound by these Terms on behalf of such entity.
To access certain features of the Platform, you must create an account. When creating an account, you agree to provide accurate, current, and complete information and to update your information as necessary to maintain its accuracy.
You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to immediately notify us of any unauthorized use of your account or any other breach of security.
You are responsible for all activities that occur under your account, whether or not you authorized such activities. We reserve the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, false, or misleading.
You may not share your account credentials with any third party. You agree that you will not allow any other person to use your account, and you accept full responsibility for any actions taken through your account.
LyfeLedger provides various services and features, including but not limited to: - Financial management tools for tracking expenses, income, budgets, and bills - Task management functionality - Calendar and event planning - Group collaboration capabilities - Loan and credit account management - Personal financial analytics - AI-powered insights and personal assistant features
We reserve the right to modify, update, or discontinue any service or feature of the Platform at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of any aspect of the Platform.
Some features of the Platform may be labeled as "early access" or "experimental." These features are provided on an "as is" and "as available" basis and may contain errors or inaccuracies that could cause failures, corruption, or loss of data and/or information.
"User Content" refers to any information, data, text, files, images, or other materials that you upload, store, send, or receive through the Platform.
You retain all ownership rights to your User Content. By submitting User Content to the Platform, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute your User Content solely for the purpose of providing and improving the Platform.
You represent and warrant that: (i) you own your User Content or have the right to grant the rights and licenses described in these Terms; (ii) your User Content does not violate the rights of any third party, including intellectual property rights or privacy rights; and (iii) your User Content complies with these Terms and all applicable laws and regulations.
We do not claim ownership of your financial data, personal information, or other User Content. However, by inputting financial information into the Platform, you authorize us to use such information to provide the financial management services and features of the Platform.
We reserve the right to review, remove, or disable access to any User Content that we determine, in our sole discretion, violates these Terms or is otherwise objectionable.
LyfeLedger provides tools for financial management and analysis, but does not provide financial advice, tax advice, or investment recommendations. The Platform is intended for informational and organizational purposes only.
You acknowledge that any financial or budgeting information provided through the Platform, including AI-generated insights and recommendations, is for general informational purposes only and should not be considered as financial, investment, tax, or legal advice. Our Platform is not intended to replace the services of qualified financial professionals.
Accuracy of Financial Tools: While we strive to ensure the accuracy of our financial calculation tools and AI-powered insights, we make no representations or warranties regarding their accuracy, reliability, or suitability for any particular purpose. Financial calculations, projections, and analyses may contain errors or omissions and should not be the sole basis for any financial decision.
You are solely responsible for verifying the accuracy of any financial information, calculations, AI-generated insights, or reports generated through the Platform. We strongly encourage you to consult with qualified financial professionals before making any financial decisions, particularly those involving investments, taxes, or substantial financial commitments.
You agree to use the Platform only for lawful purposes and in accordance with these Terms. You agree not to:
a. Use the Platform in any way that violates any applicable federal, state, local, or international law or regulation; b. Impersonate or attempt to impersonate LyfeLedger, a LyfeLedger employee, another user, or any other person or entity; c. Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Platform; d. Use the Platform to upload, transmit, or distribute any viruses, malware, or other malicious code; e. Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Platform, the server on which the Platform is stored, or any server, computer, or database connected to the Platform; f. Use any robot, spider, or other automatic device, process, or means to access the Platform for any purpose, including monitoring or copying any of the material on the Platform; g. Use the Platform to store or transmit harmful code, violate the security of any computer network, or crack passwords; h. Use the Platform to engage in any activity that could damage, disable, overburden, or impair the Platform or interfere with any other party's use of the Platform; i. Use the Platform to store or share illegal content or for any illegal purpose; j. Share your account, credentials, or access to the Platform with any third party.
We reserve the right to terminate or suspend your access to the Platform immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms.
The Platform may include features that allow you to collaborate with other users, create groups, share expenses, create polls, and send messages ("Group Features").
You are solely responsible for any content you share through the Group Features. You agree not to use Group Features to: a. Harass, abuse, threaten, or intimidate other users; b. Share inappropriate, offensive, or illegal content; c. Infringe on the intellectual property rights of others; d. Engage in any activity that violates the privacy of others.
We reserve the right to review, monitor, and remove any content shared through Group Features that violates these Terms or is otherwise objectionable, in our sole discretion.
You understand that by participating in Group Features, you may be exposed to content from other users that you may find offensive, indecent, or objectionable. We disclaim all liability in connection with user content shared through Group Features.
The Platform and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by BHZ Software Services, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms do not grant you any right, title, or interest in the Platform or any content, features, or functionality of the Platform, other than the limited right to use the Platform in accordance with these Terms.
The LyfeLedger name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of BHZ Software Services or its affiliates or licensors. You may not use such marks without the prior written permission of BHZ Software Services.
The Platform may contain links to third-party websites or services that are not owned or controlled by BHZ Software Services. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that BHZ Software Services shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods, or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit or use.
Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and disclose information about you. By using the Platform, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.
THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. BHZ SOFTWARE SERVICES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PLATFORM OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID TO BHZ SOFTWARE SERVICES IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100). NOTHING IN THESE TERMS SHALL LIMIT ANY RIGHTS YOU MAY HAVE AS A CONSUMER UNDER APPLICABLE LOCAL LAW OR REGULATION THAT CANNOT BE WAIVED BY CONTRACT.
THE LIMITATIONS OF LIABILITY IN THIS SECTION SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless BHZ Software Services, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:
a. Your use of and access to the Platform; b. Your violation of any term of these Terms; c. Your violation of any third-party right, including without limitation any copyright, property, or privacy right; or d. Any claim that your User Content caused damage to a third party.
This defense and indemnification obligation will survive these Terms and your use of the Platform.
These Terms shall be governed by and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or the Platform shall be resolved exclusively through final and binding arbitration in Toronto, Ontario in accordance with the rules of the ADR Institute of Canada, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
YOU UNDERSTAND THAT BY AGREEING TO THESE TERMS, YOU AND BHZ SOFTWARE SERVICES ARE EACH WAIVING THE RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION LAWSUIT. THIS CLASS ACTION WAIVER MAY NOT BE ENFORCEABLE IN ALL JURISDICTIONS, AND LOCAL CONSUMER PROTECTION LAWS MAY SUPERSEDE THIS PROVISION WHERE REQUIRED BY APPLICABLE LAW.
Notwithstanding the foregoing, you agree that BHZ Software Services shall be entitled to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the updated Terms on the Platform and updating the "Effective Date" at the top of these Terms.
Your continued use of the Platform after any such changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Platform.
It is your responsibility to review these Terms periodically for changes. We recommend checking these Terms each time you access the Platform.
We may terminate or suspend your account and access to the Platform immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.
Upon termination, your right to use the Platform will immediately cease. If you wish to terminate your account, you may simply discontinue using the Platform or contact us to request account deletion.
All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
When you request account deletion, we will immediately and permanently delete all your personal data from our active systems. However, your information may remain in our database backups for up to 30 days after deletion as these backups are maintained by our infrastructure provider.
We may retain certain legally required transaction records for compliance purposes and anonymized analytics data that cannot be linked back to you. Any retained information will continue to be subject to our Privacy Policy.
When you request account deletion, your data is immediately removed from active systems and marked for deletion in backups. Specifically, backup systems are purged on a 30-day rolling schedule, meaning all user data will be permanently deleted from all systems no later than 30 days following your deletion request. During this period, your data is not accessible through normal operations. We maintain logs confirming the deletion of your data from all systems, and we do not restore deleted user data from backups.
You agree to comply with all applicable Canadian export laws and regulations. If you access the Platform from outside Canada, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
Legacy Beta Users: Users who were accepted into the beta program before the official release of LyfeLedger ("Legacy Beta Users") are granted specific rights as outlined in this section.
As promised during the beta program, Legacy Beta Users will maintain lifetime access to LyfeLedger and its core features for as long as the Platform continues to be owned and operated by BHZ Software Services, without requiring a paid subscription. This lifetime access guarantee will remain valid for the natural life of the user or until BHZ Software Services ceases operations, whichever occurs first.
Core features include fundamental financial management, task management, calendar, and group functionality that was available during the beta period. New premium features developed after the beta period may not be included in this lifetime access guarantee.
In the event of a merger, acquisition, or sale of BHZ Software Services, we will make commercially reasonable efforts to ensure that the acquiring entity honors the lifetime access benefit for Legacy Beta Users, but we cannot guarantee this benefit will be maintained indefinitely under new ownership.
The lifetime access benefit for Legacy Beta Users is linked to the specific account created during the beta program and cannot be transferred to another person or account.
Notwithstanding the lifetime access guarantee, LyfeLedger reserves the right to terminate a Legacy Beta User's account in cases of violation of these Terms, fraudulent activity, or as required by law.
Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and BHZ Software Services regarding your use of the Platform and supersede all prior and contemporaneous written or oral agreements between you and BHZ Software Services.
The failure of BHZ Software Services to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to reflect the parties' intention, and the remaining provisions of the Terms shall remain in full force and effect.
You may not assign or transfer these Terms, by operation of law or otherwise, without BHZ Software Services' prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. BHZ Software Services may freely assign or transfer these Terms without restriction.
No agency, partnership, joint venture, or employment is created as a result of these Terms, and you do not have any authority of any kind to bind BHZ Software Services in any respect whatsoever.
Any notices or other communications provided by BHZ Software Services under these Terms will be given by posting to the Platform or, at BHZ Software Services' discretion, by email to the email address you provide in your account.
If you have any questions about these Terms, please contact us at: Email: info@bhzsoftware.com Phone: +1 (647) 806-0379 BHZ Software Services East York, Ontario
AI-Powered Features: LyfeLedger incorporates artificial intelligence ("AI") capabilities, including but not limited to: - AI Insights that analyze your financial data, tasks, and calendar - A Personal Assistant feature that can answer questions about your personal data - Budget optimization recommendations and spending analysis
By using the AI features, you authorize LyfeLedger to process your User Content and data through our AI systems. This processing is conducted solely to provide you with personalized insights, recommendations, and responses based on your data.
We use OpenAI's services to process certain user data for AI-powered features. When you interact with our AI features, your queries and relevant data may be processed by OpenAI in accordance with their privacy policy and terms of service. We have implemented appropriate safeguards and data minimization practices when sharing data with OpenAI, and only share what is necessary for the functioning of the AI features.
You acknowledge and agree that: - AI-generated content and recommendations are for informational purposes only - AI features may not always be accurate, complete, or suitable for your specific circumstances - The Personal Assistant can only access and respond based on data stored in your LyfeLedger account - You should independently verify any important information or recommendations provided by AI features - AI responses should not be considered professional advice (financial, legal, tax, or otherwise)
The AI features in LyfeLedger are specifically designed to work with your personal data within the Platform. The Personal Assistant is restricted to answering questions about your personal data and cannot be used as a general-purpose AI assistant or for purposes unrelated to your LyfeLedger data.