Quaestor Ledger

Terms of Service

Last Updated: May 31, 2026

1. Acceptance of Terms

By accessing or using Quaestor Ledger (the "Service"), operated by SilkTech, LLC d/b/a Quaestor Ledger ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree, you may not use our services.

2. Description of Service

Quaestor Ledger provides AI-powered financial tracking and receipt parsing tools. We grant you a limited, non-exclusive, non-transferable license to use the service for your personal or internal business use.

3. AI Agent, Heuristics, and Accuracy Disclaimer

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.

4. User Responsibilities

You agree not to:

  • Upload illegal, harmful, or malicious content.
  • Upload or submit sensitive personal information not required for use of the Service, including Social Security numbers, full unmasked account numbers, passwords, government identification numbers, medical records, protected health information, biometric identifiers, or highly sensitive personal data.
  • Reverse engineer, decompile, scrape, crawl, probe, overload, interfere with, bypass rate limits for, or attempt to gain unauthorized access to the Service, its AI workflows, prompts, systems, infrastructure, or security controls.

User Content License: You retain ownership of receipts, transaction data, chat prompts, uploaded files, and other content you submit. You grant SilkTech, LLC a limited, non-exclusive, worldwide license to host, store, process, reproduce, transmit, display, modify, extract, categorize, analyze, and create derivative operational outputs from your content solely as needed to provide, secure, support, improve, and operate the Service, comply with law, and enforce these Terms.

Account Security: You are responsible for maintaining the confidentiality of your account credentials, devices, and authentication methods. You are responsible for all activity under your account unless caused by our breach of these Terms or applicable law. You must promptly notify us at support@quaestorledger.com if you believe your account has been compromised.

5. Payments, Subscriptions, and Free Trials

Subscription terms, including price, billing interval, trial duration, renewal date, cancellation method, and any applicable taxes, will be disclosed at checkout. By starting a paid subscription or free trial that converts to a paid subscription, you authorize us or our payment processor to charge your payment method on a recurring basis until you cancel.

  • Free Trial: Quaestor Ledger may offer free trials for a specified period. The exact duration of your free trial will be clearly communicated to you at the time of sign-up. You may be required to enter your billing information to initiate the trial. You will not be charged until the applicable free trial period concludes.
  • AUTO-RENEWAL: UNLESS YOU CANCEL BEFORE THE END OF YOUR FREE TRIAL OR CURRENT BILLING PERIOD, YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW, AND YOUR PAYMENT METHOD WILL BE CHARGED THE THEN-APPLICABLE SUBSCRIPTION FEE PLUS ANY APPLICABLE TAXES. YOU MAY CANCEL THROUGH YOUR ACCOUNT SETTINGS OR BY CONTACTING SUPPORT@QUAESTORLEDGER.COM.
  • Refunds: Except where required by law or expressly stated by us in writing, fees are non-refundable and we do not provide prorated refunds for partial billing periods. If you cancel, you will retain access until the end of the current paid billing period, unless your account is terminated for violation of these Terms.

6. Third-Party Data Aggregation & Integrations

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.

7. Third-Party Terms

Your use of third-party integrations, including bank-sync and payment-processing services, may be subject to the third party's own terms, privacy policies, permissions, and account requirements. We do not control those third-party services.

8. Termination

We may suspend, limit, or terminate your access to the Service if we believe you violated these Terms, created security or legal risk, abused AI or API limits, submitted unlawful or harmful content, failed to pay fees, or used the Service in a way that could harm us, users, third parties, or the integrity of the Service. You may stop using the Service at any time and may request account deletion as described in the Privacy Policy.

9. Service Availability and Changes

We may modify, suspend, discontinue, throttle, or limit any part of the Service at any time. We do not guarantee that the Service, integrations, AI features, data feeds, or account connections will be uninterrupted, error-free, secure, or available at all times.

10. Beta and Experimental Features

Some features, including AI chat, receipt extraction, categorization, cash-flow insights, and multi-currency features, may be experimental or in beta. These features may be changed, limited, suspended, or discontinued at any time and may produce inaccurate or incomplete results.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SILKTECH, LLC D/B/A QUAESTOR LEDGER, ITS AFFILIATES, DIRECTORS, 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 ACTUALLY PAID TO US TO USE THE SERVICE IN THE ONE (1) MONTH IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) IF YOU ARE IN A FREE TRIAL PERIOD AND HAVE NOT YET PAID FOR THE SERVICE, THE SUM OF FIFTY U.S. DOLLARS ($50.00).

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.

12. Governing Law and Dispute Resolution

Governing Law: These Terms and your relationship with SilkTech, LLC d/b/a Quaestor Ledger are governed by the laws of the State of Texas, United States, without regard to conflict-of-law rules.

Informal Dispute Resolution: Before filing any claim, you agree to first contact us at support@quaestorledger.com with a written notice describing the dispute, the email address associated with your account, the relief requested, and any relevant information. The parties will attempt in good faith to resolve the dispute informally for 30 days.

Small Claims: If a dispute is not resolved informally, either party may bring an individual claim in a small-claims court of competent jurisdiction if the claim qualifies.

Court Venue: For disputes that are not resolved informally and do not qualify for small-claims court, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Texas, United States, except where applicable law requires another venue.

Class Action Waiver: TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND SILKTECH, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, MASS, OR PRIVATE-ATTORNEY-GENERAL PROCEEDING.

Injunctive Relief: Nothing in this section prevents either party from seeking temporary, preliminary, or permanent injunctive relief to address unauthorized access, misuse of the Service, intellectual-property violations, security threats, or misuse of confidential information.

13. Indemnification

You agree to defend, indemnify, and hold harmless SilkTech, LLC d/b/a Quaestor Ledger, its founders, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms of Service; (b) your misuse of the App or its AI features; (c) your reliance on the Service's data for tax, accounting, or financial reporting; or (d) your violation of any third-party right, including financial institution terms. This indemnity does not apply to the extent a claim arises from SilkTech, LLC's gross negligence, willful misconduct, or violation of applicable law.

14. Sanctions and Export Compliance

You may not use the Service if you are located in, ordinarily resident in, organized under the laws of, or acting on behalf of a country, region, person, or entity subject to applicable sanctions or trade restrictions. You may not use the Service in violation of export-control, sanctions, anti-money-laundering, or similar laws. We may suspend or terminate access where we believe continued access creates legal or compliance risk.

15. Taxes

Subscription fees are exclusive of applicable taxes unless stated otherwise at checkout. You are responsible for any taxes, duties, or governmental charges associated with your purchase, except taxes based on our income.

16. Changes to These Terms

We may update these Terms from time to time. If changes are material, we will provide notice by posting the updated Terms, updating the "Last Updated" date, emailing you, or providing in-app notice. Continued use of the Service after the effective date of updated Terms means you accept the updated Terms.

17. General Terms

These Terms, together with the Privacy Policy and any checkout or subscription terms, form the entire agreement between you and SilkTech, LLC regarding the Service. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, financing, corporate reorganization, or sale of assets.