Last updated: May 21, 2026
These Terms of Service (“Terms”) govern your access to and use of KeepMyLedger (“the Service”), operated by Creek Ridge LLC (“we”, “us”). By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.
KeepMyLedger is a personal-finance tool that allows you to import bank and credit-card statements, categorize transactions, attach receipts, generate reports, and optionally use AI-assisted categorization. The Service is available at https://keepmyledger.com.
You must be at least 18 years old and capable of forming a binding contract to use the Service. By creating an account you represent that you meet these requirements.
You may sign in using a supported OAuth provider (currently Google). You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. Notify us immediately at [email protected] if you suspect unauthorized access.
New accounts receive a 14-day free trial with full access to the Service. No payment method is required to start a trial. At the end of the trial period, continued access to write operations (importing statements, editing transactions, managing accounts, rules, and categories) requires an active paid subscription.
Paid plans will be offered when payment processing is enabled. Pricing, billing intervals, and feature limits will be displayed on the pricing page and in the app at that time. All fees are in US dollars and are non-refundable except as required by law or as stated in our refund policy.
You may cancel your subscription at any time from your billing settings. Cancellation takes effect at the end of the current billing period; you retain access until then. After cancellation, your data is retained in read-only form for 90 days, after which it may be deleted.
You agree not to:
You retain ownership of all financial data and files you upload. By using the Service you grant us a limited license to store, process, and display your data solely for the purpose of providing the Service to you. We do not sell your data to third parties. See our Privacy Policy for full details on how we handle your information.
The AI Assist feature sends transaction descriptions and contextual data to a third-party large-language-model API for categorization suggestions. AI-generated suggestions are not guaranteed to be accurate. You are responsible for reviewing and confirming all categorizations. By using AI Assist you consent to this data being sent to our LLM provider subject to their applicable terms and privacy policy.
The Service integrates with Google Sign-In, Google Drive (optional), and may integrate with Stripe for payment processing. Your use of those services is subject to their respective terms of service and privacy policies. We are not responsible for the availability or conduct of third-party services.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT PARSED TRANSACTION DATA WILL BE ACCURATE OR COMPLETE.
KeepMyLedger is a financial organization tool, not a financial advisor. Nothing on the Service constitutes financial, tax, legal, or investment advice.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CREEK RIDGE LLC AND ITS OFFICERS, EMPLOYEES, AND CONTRACTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS OR DATA, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE THREE MONTHS PRECEDING THE CLAIM OR (B) US$50.
You agree to indemnify and hold harmless Creek Ridge LLC and its affiliates from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.
We may update these Terms from time to time. Material changes will be communicated by updating the “Last updated” date and, where feasible, by email or in-app notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of Maryland, United States, without regard to conflict-of-law principles. Any disputes will be resolved in the state or federal courts located in Maryland, and you consent to personal jurisdiction there.
Questions about these Terms should be sent to [email protected].