Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between FaithLedger, LLC ("FaithLedger," "we," "us," or "our") and you — the church, organization, or individual ("you," "your," or "Subscriber") accessing or using the FaithLedger platform and related services (collectively, the "Service").

By creating an account, clicking "I agree," or otherwise accessing or using the Service, you represent that you have the authority to bind your organization to these Terms and that you agree to be bound by them. If you do not agree, do not use the Service.

These Terms incorporate our Privacy Policy and Data Retention and Deletion Policy, both of which are hereby incorporated by reference.

By using the Service, you also consent to receive required notices, disclosures, and communications from FaithLedger electronically, including via email or in-application notifications. Electronic communications satisfy any legal requirement that such communications be provided in writing, consistent with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state law.

2. Subscriber Representations and Warranties

By accessing or using the Service, you represent and warrant that:

• You are a legitimate church, religious organization, ministry, or other faith-based entity, or an authorized representative thereof
• You have full legal authority to enter into these Terms on behalf of your organization and to bind it to these Terms
• Your organization operates in good faith as a church or faith-based organization. You acknowledge that churches are automatically exempt from federal income tax under IRC Section 501(c)(3) without requiring a formal IRS determination letter, and you represent that your organization qualifies for and operates consistent with that status
• All financial data, records, and information you enter into the Service are accurate to the best of your knowledge
• Your use of the Service does not and will not violate any applicable law, regulation, court order, or third-party agreement
• You are not using the Service to facilitate financial fraud, embezzlement, money laundering, tax evasion, or any other unlawful financial activity
• You are not located in, or using the Service on behalf of any entity located in, a jurisdiction subject to U.S. government embargo or sanctions

Breach of any of the above representations is grounds for immediate termination of your account without prior notice.

3. Description of Service

FaithLedger provides a cloud-based church treasury management platform that includes but is not limited to: transaction import and classification, chart of accounts management, budget tracking, donor and giving management, bill pay with approval workflows, fixed asset tracking, volunteer management, financial reporting, and integrations with third-party financial services such as Plaid (bank connections) and QuickBooks.

The Service is provided on a subscription basis. Features available to you depend on your subscription plan. We reserve the right to modify, suspend, or discontinue any feature or aspect of the Service at any time, with reasonable notice where practicable. FaithLedger shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service or any feature thereof, even where reasonable advance notice was provided.

The Service is intended for use within the United States. FaithLedger makes no representation that the Service complies with the laws of any jurisdiction outside the United States. Use of the Service from outside the United States is at your own risk.

3.1 Service Availability

FaithLedger targets 99.5% monthly uptime but does not guarantee any specific uptime level. Scheduled maintenance will be communicated in advance where practicable. No service level agreement (SLA) is included with standard subscription plans.

3.2 AI-Assisted and Automated Features

FaithLedger may incorporate artificial intelligence, machine learning, or other automated features into the Service, including but not limited to automated transaction classification, anomaly detection, budget suggestions, and similar functionality. You acknowledge and agree that:

• Outputs generated by AI-assisted or automated features are provided for informational and convenience purposes only and may be inaccurate, incomplete, or inappropriate for your organization's specific circumstances
• AI-generated outputs do not constitute financial, accounting, tax, or legal advice and do not replace the judgment of qualified professionals
• FaithLedger is not liable for any loss, error, or adverse outcome arising from your reliance on AI-generated or automated outputs without independent verification
• You are solely responsible for reviewing, verifying, and approving any AI-generated suggestions, classifications, or recommendations before acting on them

4. Accounts and Access

4.1 Account Registration

To use the Service, your church or organization must establish an account. The primary account holder (the "Admin") is responsible for all activity that occurs under the account. Where an account has more than one Admin, each Admin is considered a primary account holder and is individually and jointly responsible for all activity that occurs under the account. You agree to provide accurate, current, and complete information during registration and to keep that information up to date.

Each subscription is scoped to a single physical location or campus. Organizations operating multiple campuses under a single legal entity may be eligible for multi-site pricing; please contact us at [email protected] for details.

4.2 User Roles

FaithLedger supports three user role tiers, each with distinct levels of authority. The account Admin is responsible for assigning and maintaining roles and ensuring that access permissions are appropriate for each individual.

Administrator (Admin)

Admins hold full financial authority within the account, including the ability to initiate, approve, and manage transactions up to any configured limit. Admins have full record viewing authority across all areas of the account regardless of ministry or department. Admins may unilaterally create, modify, suspend, or remove other user accounts and adjust any user's role, permissions, or approval limits without the consent of the affected user. Each Admin is individually and fully responsible for all actions taken using their account credentials. FaithLedger is not liable for financial decisions, configuration changes, or access modifications made by an Admin, whether authorized or unauthorized by the subscribing organization.

User (Ministry Leader)

Users have partial financial authority limited to the ministry areas, budget categories, and spending limits assigned to them by an Admin. Record viewing access is similarly scoped to their assigned areas; Users may not access financial records, budgets, or transaction history outside of their designated scope unless an Admin expressly grants broader access. Users may not modify the permissions or settings of other users. Users are responsible for all actions taken under their account credentials within their assigned scope.

Volunteer

Volunteers have no financial authority and may not initiate, approve, or view financial transactions or budgets. Volunteers may view partial records strictly limited to the access level assigned by an Admin, or records they personally submitted (such as attendance counts or contribution tallies). Volunteers have no ability to modify financial data, user accounts, or organizational settings. Volunteers are responsible for the accuracy of any records they submit through the Service.

FaithLedger is not liable for actions taken by any user whose role or access level was not properly configured or monitored by the account Admin.

4.3 Account Security and Two-Factor Authentication

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at [email protected] of any unauthorized use or suspected security breach. We are not liable for losses arising from unauthorized use of your credentials.

Two-factor authentication (2FA) is required for all users with Admin-level access. 2FA may be satisfied by one of the following methods:

• A one-time passcode delivered via SMS text message to a verified mobile phone number; or
• A time-based one-time password (TOTP) generated by a compatible authenticator application or hardware authentication device

Admin users are solely responsible for:

• Enrolling in and maintaining a valid 2FA method at all times
• Keeping their registered mobile device or authenticator application secure and accessible
• Promptly updating their 2FA enrollment if their registered device is lost, stolen, replaced, or compromised
• Notifying FaithLedger immediately at [email protected] if they believe their 2FA method has been compromised

SMS text message delivery is provided as a convenience and is subject to your mobile carrier's network availability and messaging rates. Standard message and data rates may apply. FaithLedger is not responsible for SMS delivery failures, carrier delays, or any fees charged by your carrier in connection with 2FA messages. If SMS delivery is unreliable, we recommend enrolling in an authenticator application as your primary 2FA method.

FaithLedger is not liable for any unauthorized access to an account where 2FA was properly required and the compromise resulted from the Admin user's failure to secure their enrolled device or authentication method.

To the extent permitted by applicable law, you accept responsibility for all activities that occur under your account credentials, including all transactions and configuration changes initiated through the Service, whether or not authorized by you. You acknowledge that allowing any person access to your account credentials — whether intentionally or through failure to secure them — constitutes your authorization of that person's use of the Service, and you will be responsible for all resulting actions.

By providing a mobile phone number to FaithLedger and affirmatively accepting these Terms, you provide your prior express written consent — as required under the Florida Telephone Solicitation Act and the federal Telephone Consumer Protection Act — to receive automated text messages from FaithLedger at that number, including for purposes of two-factor authentication, account alerts, and administrative notices. This consent remains valid for 18 months from the date provided, after which FaithLedger may ask you to reconfirm it. SMS consent is not a condition of using the Service. Standard message and data rates from your carrier may apply. You may revoke consent to receive non-essential automated messages at any time through any reasonable means, including by replying STOP to any text message, by contacting [email protected], or through your account settings. FaithLedger will honor revocation requests within 10 business days of receipt. Revoking consent to SMS-based communications may impair your ability to use SMS-based two-factor authentication, which is required for Admin-level users. FaithLedger is not liable for SMS delivery failures, carrier delays, or any fees your carrier charges in connection with messages we send.

4.4 Invite-Only Access

New users join an existing church account via invite codes issued by the church Admin. Invite codes are non-transferable and may not be shared publicly. Admins are solely responsible for ensuring that invite codes are distributed only to individuals the organization intends to grant access to the Service. By issuing an invite code, the Admin takes full responsibility for the access granted to the recipient. Admins are further responsible for promptly removing any Volunteer or User whose access is no longer appropriate, whether due to a change in role, departure from the organization, or any other reason. FaithLedger is not liable for any unauthorized access, data exposure, or actions taken by a user whose access was not promptly revoked by the Admin.

4.5 Account Suspension

In addition to the right of termination described in Section 15, FaithLedger reserves the right to suspend your account — without terminating it — in any of the following circumstances:

• Non-payment of subscription fees
• Suspected fraudulent, abusive, or unauthorized activity on the account
• A security incident requiring investigation or remediation
• Receipt of a valid legal hold, subpoena, or law enforcement request relating to the account
• Reasonable belief that continued access poses a risk to the integrity of the Service or other subscribers
• Extended inactivity, defined as twelve (12) or more consecutive months with no login activity by any user on the account

During a suspension, your Church Data is preserved and not deleted. FaithLedger will make reasonable efforts to notify you of a suspension and its basis, except where doing so would compromise a security investigation or is prohibited by law. Access will be restored promptly once the basis for suspension is resolved. In the case of suspension due to inactivity, FaithLedger will provide at least 30 days' advance written notice to the registered account email before taking any action, and your Church Data will be preserved during this notice period.

4.6 Employee-Assisted Account Changes

In the event that a FaithLedger employee assists you in setting up or modifying any part of your account, you agree to review and verify that all such changes are accurate and appropriate for your organization. FaithLedger shall not be liable for any changes made to your account with the assistance of a FaithLedger employee. It is your responsibility to confirm that assisted changes are correct before relying on them.

5. Acceptable Use Policy

This Acceptable Use Policy ("AUP") governs your use of the Service. FaithLedger reserves the right to update this AUP from time to time with reasonable notice. Your continued use of the Service following any update constitutes your acceptance of the revised AUP.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service to process, store, or transmit data in violation of applicable laws, including tax, financial reporting, or anti-money laundering regulations
• Use the Service to facilitate, conceal, or enable financial fraud, embezzlement, money laundering, tax evasion, or any other unlawful financial activity
• Attempt to gain unauthorized access to any portion of the Service, other accounts, or systems connected to the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to transmit malware, spam, or any harmful code
• Misrepresent your identity or affiliation when using the Service
• Use the Service in a manner that could damage, disable, overburden, or impair its infrastructure
• Resell, sublicense, or otherwise commercially exploit the Service without our written consent
• Use the Service for any purpose other than legitimate church, ministry, or faith-based organization financial management
• Use any information about other FaithLedger subscribers that you may encounter through the Service — including through benchmarking tools, shared integrations, or any other feature — for marketing, solicitation, or any purpose other than your own internal use of the Service

We reserve the right to suspend or terminate accounts that violate these provisions, without prior notice in cases of serious or repeated violations.

6. Subscription and Billing

6.1 Subscription Plans

FaithLedger offers tiered subscription plans as described on our pricing page. Plan features, pricing, and included services are subject to change. We will provide at least 30 days' advance notice of any price increases, which will take effect at your next renewal date.

6.2 Payment

Subscription fees are billed in advance on a monthly or annual basis, depending on your selected billing cycle. Payment is processed via Stripe. You authorize us to charge your payment method on file for all fees due. All fees are non-refundable except as expressly stated in these Terms or required by applicable law.

Required Payment Method. All subscription fees must be paid by ACH bank account transfer. Credit card and debit card payments are not accepted. By providing your bank account information, you authorize FaithLedger and its payment processor (Stripe) to initiate ACH debit entries to your account for all subscription fees due. You are responsible for ensuring sufficient funds are available in your account on each billing date. FaithLedger is not liable for any bank fees, overdraft charges, or penalties your financial institution may impose in connection with an ACH debit.

Discounts. FaithLedger may offer promotional pricing, discounts, or special rates at our sole discretion. Any discount applied to your subscription does not create an obligation for FaithLedger to continue, extend, or offer that discount in the future. Discounts may be modified or discontinued at any time without notice and will not automatically renew unless expressly stated at the time the discount is applied.

Annual Subscription Renewal. For subscriptions billed on an annual basis, FaithLedger will send a written renewal reminder to your registered account email address no less than thirty (30) days and no more than sixty (60) days before the cancellation deadline for the upcoming renewal period, consistent with Florida Statute § 501.165. This reminder will state the upcoming renewal date, the cancellation deadline by which you must act to prevent automatic renewal, the subscription plan, and the billing amount that will be charged. If you do not cancel your subscription before the cancellation deadline, you authorize FaithLedger to charge your payment method on file for the applicable annual subscription fee.

6.3 Free Trial

We may offer a free trial period at our discretion. At the end of the trial, your account will automatically convert to a paid subscription unless you cancel before the trial ends. We will send a written reminder notification to your registered account email address at least 14 days before your free trial expires. That notification will clearly state: the trial end date; the subscription plan and billing amount your account will convert to; the payment method that will be charged; and instructions for how to cancel before the trial ends. If you do not cancel before the trial end date, you authorize FaithLedger to charge your payment method on file for the applicable subscription fee beginning on the first day of your paid subscription.

6.4 Cancellation

You may cancel your subscription at any time from your account settings or by contacting us. Cancellation takes effect at the end of the current billing period. You will retain access to the Service through the end of the period for which you have paid. FaithLedger will always provide an online cancellation method accessible through your account settings, consistent with Florida Statute § 501.165.

Following cancellation, your Church Data will be handled as follows:

• You may request a full data export at any time by contacting [email protected]. Exports are provided within 10 business days in CSV and/or PDF format, covering all transactions, donor records, budgets, and fixed assets associated with your account.
• Your Church Data will be permanently deleted from our systems within 30 days of export delivery, or within 90 days of your cancellation date if no export is requested, whichever is earlier.
• Certain financial records (transactions, donor giving history, fixed assets) may be retained for up to 7 years from the date of creation where required by applicable law. Such retained records are not accessible through the application after account closure.
• Connected bank account tokens (Plaid) are revoked immediately upon cancellation. As a result, automated bank feed data will no longer be imported or refreshed from the moment of cancellation, even if you retain access to the Service through the end of your paid billing period. Financial data already imported prior to cancellation remains accessible and is unaffected, but it will not be updated. You are responsible for any manual recordkeeping needed during this period.

You will receive written confirmation when your data deletion is complete.

6.5 Taxes

Subscription fees do not include applicable taxes. You are responsible for any sales, use, value-added, or similar taxes imposed by your jurisdiction on the Service.

6.6 Bill Payment Overage Fees

Your subscription plan includes a specified number of bill payments per billing period. If your organization exceeds the included bill payment allotment, additional bill payments will be charged at a rate of $2.50 per bill payment. These overage fees will be billed in accordance with your subscription billing cycle. FaithLedger reserves the right to modify overage fee rates at any time, with reasonable advance notice.

6.7 Add-On Features

Certain features included in higher-tier subscription plans may be made available as optional add-ons to lower-tier base subscriptions. FaithLedger reserves the right to modify or change access to, or the pricing of, any such add-on features at any time. In the event that you cancel an add-on feature, that feature will cease functioning immediately upon cancellation, and the associated charge will be removed from your account during your next billing cycle.

7. Your Data and Intellectual Property

7.1 Your Data

You retain full ownership of all data you upload, import, or create within the Service ("Church Data"). You grant FaithLedger a limited, non-exclusive license to store, process, and display your Church Data solely for the purpose of providing the Service to you. We do not claim any ownership rights in your Church Data.

7.2 Data Retention

FaithLedger retains different categories of Church Data for different periods depending on their nature and applicable legal requirements. The key retention commitments are:

• Financial records (transactions, budgets, donor giving history, vendor and bill pay records, fixed assets): retained for a minimum of 7 years from creation, consistent with IRS recordkeeping guidance applicable to nonprofit organizations.
• Account and identity data: retained for the life of your active subscription, plus a 90-day grace period following cancellation during which you may request an export.
• Security and access logs: retained for 12 months.
• Bank connection tokens (Plaid): revoked and deleted immediately upon account disconnection or cancellation. Revocation takes effect at the time of cancellation and not at the end of the billing period; automated bank feed data will therefore be unavailable for the remainder of any paid period following cancellation.

A complete Data Retention and Deletion Policy is available upon request at [email protected]. Our Privacy Policy also describes these practices and is incorporated into these Terms by reference.

7.3 Audit Logs

FaithLedger maintains in-application audit logs recording user activity, transaction approvals, and configuration changes within your account. These logs are provided as an operational convenience to assist with your internal financial oversight. You acknowledge and agree that:

• Audit logs are provided on an as-is basis and FaithLedger does not warrant their completeness, accuracy, or suitability for any specific legal, regulatory, or denominational compliance purpose
• FaithLedger's audit logs do not constitute an official financial record and do not replace your organization's obligation to maintain independent books and records as required by applicable law, IRS regulations, or your denomination's governance requirements
• FaithLedger is not liable for any loss, penalty, or adverse finding arising from a subscriber's reliance on in-application audit logs as a substitute for independent recordkeeping

7.4 Accuracy of Imported Data

The Service supports data imports from third-party platforms including QuickBooks, Planning Center, Pushpay, and bank feeds via Plaid. FaithLedger transmits and stores imported data as received and does not independently verify, validate, or reconcile imported data against your organization's source records. You are solely responsible for verifying the accuracy and completeness of all data imported into the Service from any third-party source.

7.5 Data Security

FaithLedger employs industry-standard security practices including TLS 1.2+ encryption in transit, AES-256 encryption at rest, row-level security controls at the database layer, and multi-factor authentication for administrative access. In the event of a data breach affecting your information, we will notify you as expeditiously as practicable and no later than 30 days after we determine a breach has occurred, consistent with the Florida Information Protection Act (Fla. Stat. § 501.171) and other applicable law. If a breach affects 500 or more Florida residents, we will also notify the Florida Department of Legal Affairs as required by law.

7.6 FaithLedger Intellectual Property

The Service, including its software, design, features, and content (excluding your Church Data), is owned by FaithLedger, LLC and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without our express written permission.

7.7 Feedback

If you submit suggestions, ideas, or feedback about the Service, you grant us a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without compensation to you.

8. Payment Approval Workflows

FaithLedger provides bill pay and payment approval workflow functionality that allows your organization to configure automatic payment approval rules, spending limits, and authorization thresholds within the Service. The following terms govern your use of these features and define the boundaries of FaithLedger's responsibility.

8.1 Administrator Responsibility

Your designated account Admin(s) are solely responsible for:

• Configuring and maintaining all payment approval rules, spending limits, and authorization thresholds within the Service
• Assigning appropriate user roles and permissions that govern who may submit, approve, or process payments
• Reviewing and updating approval limits to reflect your organization's current financial controls and governance policies
• Ensuring that all payment workflows comply with your church's internal financial policies, bylaws, and applicable law

FaithLedger does not review, audit, or supervise your organization's payment approval configurations. The Service processes payments in accordance with the rules and limits your Admins have established — it does not independently verify whether those rules are appropriate, sufficient, or consistent with your organization's governance requirements.

8.2 Automatic Payment Processing

Payments that fall within the approval thresholds and workflow rules configured by your Admins may be processed automatically by the Service without additional manual review. By enabling automatic approval functionality, you acknowledge and agree that:

• FaithLedger will process such payments based solely on the rules and limits your Admins have set, without independent review or approval by FaithLedger
• FaithLedger is not a party to, and assumes no responsibility for, any payment transaction processed through the Service
• It is your organization's responsibility to ensure that automatic approval thresholds are set at levels consistent with your internal controls and financial oversight requirements

8.3 No Monitoring Obligation

FaithLedger has no obligation to monitor your payment approval configurations, track changes made to spending limits or authorization rules, alert you to changes in your approval settings, or intervene in or reverse any payment that was processed in accordance with your configured rules. FaithLedger is not responsible for any payment processed correctly under the rules your Admins have established, even if those rules were subsequently determined to be inadequate, unauthorized, or inconsistent with your organization's policies.

8.4 Changes to Approval Settings

Any change to payment approval limits, thresholds, or workflow rules made by a user with Admin-level access is binding on your organization. FaithLedger is not responsible for verifying whether such changes were authorized by your organization's leadership, board, or governance structure. You are solely responsible for implementing internal controls to govern who within your organization may modify payment approval settings.

8.5 Disputes and Errors

If you believe a payment was processed in error, you must notify us promptly at [email protected]. FaithLedger will provide transaction records and audit logs to assist your investigation. However, FaithLedger is not liable for any loss, unauthorized transaction, or financial harm arising from payment approval configurations set by your Admins, changes to those configurations, or payments processed in accordance with those configurations.

9. Financial Services Disclaimer

FaithLedger is not a bank, financial institution, payment processor, or money transmitter. FaithLedger does not hold, custody, move, or transmit funds on your behalf. Any movement of funds facilitated through the Service is executed entirely by third-party financial institutions, payment processors, or ACH networks — not by FaithLedger.

As a result:

• FaithLedger has no ability to initiate, reverse, freeze, recall, or cancel any financial transaction once it has been submitted to a financial institution or payment network
• FaithLedger is not responsible for the availability, speed, accuracy, or failure of any financial institution, ACH network, or payment processor involved in processing a transaction
• FaithLedger is not liable for any loss arising from a failed, delayed, duplicate, or erroneous transaction processed by a third-party financial institution
• Any dispute regarding a specific financial transaction must be directed to the relevant financial institution or payment processor

Nothing in the Service constitutes financial, tax, legal, investment, or accounting advice. FaithLedger is not a licensed accounting firm, CPA, tax advisor, or legal counsel. You are solely responsible for the accuracy of your financial records and compliance with applicable laws, including IRS regulations governing churches and nonprofit organizations.

10. Third-Party Services and Integrations

The Service integrates with third-party services including Plaid, QuickBooks, Planning Center, Pushpay, Stripe, and others. Your use of these integrations is subject to the respective third-party terms of service and privacy policies. FaithLedger is not responsible for the availability, accuracy, or conduct of any third-party service. We do not endorse any third-party service and are not liable for any losses arising from your use of them.

11. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, either 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 Service will be uninterrupted, error-free, or free of viruses or other harmful components.

FaithLedger does not owe and expressly disclaims any fiduciary duty to you, your organization, your members, your donors, or any other third party. Nothing in the Service or these Terms creates or implies a fiduciary, advisory, or agency relationship of any kind.

12. Limitation of Liability

To the fullest extent permitted by applicable law, FaithLedger, LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claims arising under or related to these Terms or the Service shall not exceed the greater of (a) the total fees paid by you to FaithLedger in the twelve months preceding the claim, or (b) one hundred dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless FaithLedger, LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: your access to or use of the Service; your violation of these Terms; your violation of any rights of another party; any breach of your representations and warranties under Section 2; or any payment transaction processed through the Service in accordance with your organization's configured approval rules.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Service shall first be subject to good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Jacksonville, Florida, under the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction without first submitting to arbitration, including but not limited to relief for intellectual property violations or data security breaches. Nothing in this Section prevents either party from bringing an eligible claim in a small claims court of competent jurisdiction in lieu of arbitration.

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If the prohibition on class proceedings in the preceding sentence is found to be unenforceable by a court of competent jurisdiction, the entirety of this arbitration clause shall be null and void, and the dispute shall proceed in a court of competent jurisdiction in Jacksonville, Florida.

TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY HEREBY WAIVES ITS RIGHT TO A JURY TRIAL IN CONNECTION WITH ANY DISPUTE ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will notify account administrators via email and display a notice within the application at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must discontinue use of the Service before the effective date.

16. Termination

Either party may terminate these Terms at any time. You may terminate by canceling your subscription and ceasing use of the Service. We may terminate or suspend your access immediately, without prior notice or liability, if you breach these Terms, breach your representations and warranties under Section 2, or if we are required to do so by law. Upon termination, your right to use the Service ceases immediately.

Regardless of the reason for termination, your Church Data will be treated in accordance with Section 7.2 and the cancellation procedures described in Section 6.4. You retain the right to request a data export within 90 days of termination. Sections 2, 7, 8, 9, 11, 12, 13, 14, and 18 survive termination.

17. Force Majeure

FaithLedger shall not be liable for any delay or failure to perform its obligations under these Terms to the extent such delay or failure is caused by circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, government action, internet or telecommunications failures, power outages, or failure of third-party service providers (including Plaid, Supabase, or Stripe). We will make reasonable efforts to resume performance as soon as practicable and will notify you of any material service disruption caused by such events.

18. Beta and Early Access Features

FaithLedger may make certain features available in beta or early access form prior to general release. These features are provided "as is" without any warranty, may be modified or discontinued at any time without notice, and are not subject to any uptime commitment. By using early access features, you acknowledge that they may contain bugs or incomplete functionality. Feedback you provide regarding beta features may be used to improve the Service in accordance with Section 7.7.

19. Miscellaneous

19.1 Entire Agreement; No Reliance on Outside Representations

These Terms, together with the Privacy Policy, the Data Retention and Deletion Policy, and any applicable order forms or subscription agreements, constitute the entire agreement between you and FaithLedger regarding the Service and supersede all prior agreements, representations, and understandings, whether written or oral. You acknowledge that you have not relied on any representation, warranty, or statement not expressly contained in these Terms in entering into this agreement.

19.2 Publicity

FaithLedger may identify your organization by name as a customer in marketing materials, on our website, or in investor communications. If you prefer not to be identified as a customer, please notify us in writing at [email protected] and we will honor your request within 30 days.

19.3 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

19.4 Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

19.5 Children

The Service is not directed to individuals under the age of 13. We do not knowingly permit persons under 13 to create accounts or use the Service.

20. Contact Us

If you have questions or concerns about these Terms, please contact us: