Terms of Service

Last updated: July 26, 2026  ·  Effective: July 26, 2026

1. Who we are

The Service is provided by CoreLedgery, Inc., a corporation organized under the laws of Arkansas, doing business as Investimates.

"We," "us," and "our" mean CoreLedgery, Inc. "You" and "your" mean the person or business using the Service. "Service" means the Investimates web application at app.investimates.io, the investimates.io website, and anything we provide through them.

2. What Investimates is — and what it is not

Investimates is bookkeeping and business software. You use it to record bank accounts and transactions, write and print checks, build estimates and invoices, track bills, and organize the money side of your business.

Nothing in the Service is accounting, tax, legal, or financial advice. Categories, totals, reports, and any figure the Service calculates are conveniences based on data you entered. You are responsible for the accuracy of your books, your tax filings, and every business decision you make. Have a qualified professional review anything that matters.

3. Your account

• You must be at least 18 years old and able to enter a binding contract.
• You must give accurate registration information and keep it current.
• You are responsible for everything that happens under your account, and for keeping your password and any magic-link emails secure. Tell us promptly at info@investimates.io if you believe your account has been accessed by someone else.
• One account is one workspace. Each account's data lives in its own separate database.

4. Acceptable use

You agree not to:

• use the Service for anything illegal, or to record or facilitate fraud, money laundering, or tax evasion;
• upload malware, attempt to breach or probe our systems, or access another customer's data;
• reverse engineer, decompile, scrape, or attempt to derive the source code of the Service, except to the extent that restriction is unenforceable where you live;
• resell, sublicense, rent, or provide the Service to third parties as your own product;
• use automated means to place unreasonable load on the Service;
• send messages through the Service to people who have not consented to receive them (see Section 10).

5. Your right to use the software

Investimates is hosted software. Nothing is installed on your computer, so there is no separate end-user license agreement — this section is the license.

Subject to these Terms and your payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Service for your own business purposes for as long as your account is active. That's the whole grant.

We and our licensors own the Service, including all software, design, text, graphics, logos, and the Investimates and CoreLedgery names and marks. Nothing in these Terms transfers any of that to you. Any feedback or suggestions you send us, we may use freely and without obligation.

If we ever release a desktop or locally installed version of Investimates, it will come with its own license terms, and those will govern that software instead of this section.

6. Your data

Your data is yours. The bank accounts, transactions, clients, estimates, invoices, bills, items, and business details you enter belong to you. We claim no ownership of them.

You grant us only the license we need to actually run the Service: to store, copy, transmit, back up, and display your data so we can provide it to you, and to have our service providers (Section 9) do the same on our behalf. We do not sell your data, and we do not use it to train machine-learning models.

You are responsible for having the right to enter the data you enter — including your clients' names, addresses, phone numbers and email addresses — and for handling that information in line with whatever laws apply to you.

Our Privacy Policy explains what we collect and how we handle it, and is part of these Terms.

7. Plans, plugins, and pricing

The Service has a free tier and paid features:

• Proprietor (free) includes core banking with up to two bank accounts, the transaction ledger, clients, your business profile, and the dashboard. No trial clock, no card required.
• Plugins are individual paid features you turn on and off yourself, each priced separately and billed monthly.
• Plans (Entrepreneur, Shop) bundle plugins at a combined monthly price. Only one plan can be active at a time. Choosing a plan automatically cancels any individual plugin subscriptions it now covers, so you are not billed twice for the same feature.
• Office is quoted individually rather than sold self-serve. Its terms are set in a separate written agreement.

Current prices are shown on the Plugins page inside the app, which reflects exactly what will be charged. We may change prices with at least 30 days' notice by email or in-app; changes take effect at your next renewal, and if you don't want the new price you can cancel before then.

8. Billing, cancellation, and refunds

Paid features renew monthly and are billed through Stripe. We never see or store your full card number.

You can cancel any plugin or plan at any time, from inside the app. Cancellation takes effect at the end of the period you have already paid for — the feature keeps working until then, and you are not billed again.

If a payment fails, we may suspend the affected paid features until it is resolved. Your free-tier data remains accessible. We may terminate accounts that remain unpaid for an extended period, after notice, as described in Section 13.

9. Third-party services

Parts of the Service depend on companies we work with. Their handling of data is covered in our Privacy Policy. In short: Stripe processes payments, Resend sends email, Telnyx sends text messages, and Cloudflare stores encrypted backups.

Online Payments (Stripe Connect). If you activate this feature, you connect your own Stripe account. Money your clients pay you goes directly to your Stripe account, not to us — we never hold or route it. Your relationship with Stripe is governed by Stripe's own agreements, and Stripe decides whether to approve and maintain your account, not us.

10. Email and text messaging

The Email Sending and SMS plugins let you send estimates and invoices to your own clients. When you do, you are the sender, and you are solely responsible for having the recipient's consent and for complying with the law that applies to you — including the TCPA, CAN-SPAM, and carrier rules. Do not use these features for marketing to people who have not opted in.

Messages are delivered by third parties over networks we do not control. We cannot guarantee that any specific message is delivered, or delivered on time. See our Messaging Policy for details.

11. Cloud Backup — what it does and does not do

Cloud Backup is an optional paid feature. Please read this section carefully; it describes real limits, not hypothetical ones.

What it does. When enabled, we take a snapshot of your data automatically — when you log out, and after a period of inactivity — encrypt it, and store it with our storage provider. You can also take one on demand. From inside the app you can restore your account to that snapshot.

Restoring replaces everything. A restore overwrites your current data with the backup's contents. Anything entered since that snapshot is lost. We require you to type the backup's date to confirm, and we tell you what will happen, but the choice and its consequences are yours.

Backups are not a substitute for your own records. You remain responsible for keeping your own copies of anything you cannot afford to lose, and for meeting whatever record-keeping obligations apply to your business and your taxes. We provide backup as a convenience, and while we take it seriously, we do not guarantee that any backup will be available, complete, or restorable at any given moment.

Backups are encrypted at rest with a key we hold, so we can restore your account for you. This means we are technically able to decrypt backup contents; we do so only to operate the Service, and never to browse your books.

12. Availability

We work to keep the Service running, but we do not promise any particular uptime. The Service may be unavailable for maintenance, updates, provider outages, or reasons outside our control. Access to Investimates requires an internet connection; the Service does not currently function offline.

We may change, add, or remove features. If we discontinue a paid feature you are actively paying for, we will give you reasonable notice and stop billing you for it.

13. Suspension and termination

You may cancel at any time by canceling your paid features and, if you wish, asking us to close your account entirely.

We may suspend or terminate your account if you materially breach these Terms, if your payments fail and remain unresolved, if we are required to by law, or if your use puts the Service or other customers at risk. Except where the law or an emergency requires otherwise, we will give you notice and a reasonable chance to fix the problem first.

Getting your data out. Before you close your account, export or copy anything you want to keep. On request within 30 days of closure we will provide a copy of your data in a machine-readable format where reasonably practicable. After that window we may permanently delete your data and backups, and once deleted they cannot be recovered.

14. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or secure against every threat; that any calculation, category, or report is accurate or suitable for your tax, accounting, or legal purposes; or that data will never be lost.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS, OR LOST OR CORRUPTED DATA, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (a) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing here limits liability that cannot be limited by law.

16. Disputes — arbitration and class action waiver

Talk to us first. Before starting a formal proceeding, email info@investimates.io describing the problem. We'll try to resolve it informally within 60 days. Most things end here.

Arbitration. If we can't resolve it, you and we agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration, administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. Arbitration will take place in Marion County, Arkansas, or by telephone or video, or in another mutually agreed location. The arbitrator's decision may be entered as a judgment in any court with jurisdiction.

Class action waiver. You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

Small claims carve-out. Either party may bring an individual action in small claims court instead, if it qualifies. Either party may also seek injunctive relief in court to stop infringement or misuse of intellectual property.

Your right to opt out. You may opt out of this Section 16 by emailing info@investimates.io with the subject line "Arbitration Opt Out," including your account email, within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms, and we will not close your account or treat you differently for doing so.

If the class action waiver is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this section still applies to all other claims.

17. Governing law

These Terms are governed by the laws of the State of Arkansas, without regard to its conflict of laws rules. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in or serving Marion County, Arkansas.

18. Indemnification

You will defend, indemnify, and hold harmless CoreLedgery, Inc. and its officers, directors, and employees from any third-party claim arising out of your data, your use of the Service, your breach of these Terms, your violation of law, or messages you send through the Service to your own clients.

19. Changes to these Terms

We may update these Terms. If a change is material we will give you at least 30 days' notice by email or in-app before it takes effect. Continuing to use the Service after that means you accept the updated Terms. If you don't accept them, cancel before they take effect. The "Last updated" date at the top always reflects the current version.

20. General

These Terms, together with the Privacy Policy and Messaging Policy, are the entire agreement between you and us regarding the Service, and replace any prior understandings. If a provision is found unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our written consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control. Sections 2, 5, 6, 11, 14, 15, 16, 17, 18, and 20 survive termination.

21. Contact

Questions about these Terms: