Terms of Service

These Terms of Service ("Terms") govern your access to and use of the AbroadLedger website and the informational products offered through it (collectively, the "Service"), operated by AbroadLedger ("AbroadLedger", "we", "us", or "our"). By accessing the Service, completing a questionnaire, or purchasing a report, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

1. Description of the Service

AbroadLedger provides educational information products. Based on the responses you provide in a questionnaire, the Service produces a written report describing tax concepts, rules, and considerations that may be relevant to persons in circumstances similar to those you describe. The Service consists of general educational information. It is not, and is not intended to be, tax advice, legal advice, financial advice, or accounting advice.

2. No Professional Relationship

Your use of the Service does not create an accountant-client, attorney-client, advisor-client, or any other professional or fiduciary relationship between you and AbroadLedger. AbroadLedger is not a law firm, accounting firm, or registered tax preparation or advisory business. The Service is not a substitute for the advice of a qualified tax professional who has been engaged to review your individual circumstances.

3. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent that you meet this requirement and that all information you submit is accurate to the best of your knowledge.

4. Payment and Delivery

Paid reports are offered for a one-time fee stated at the point of purchase. Payments are processed by Stripe, a third-party payment processor, and are subject to Stripe's own terms. We do not receive or store your card details. Reports are digital products delivered electronically to the email address you provide. Delivery is normally completed within minutes of payment confirmation, but we do not guarantee any specific delivery time.

5. Refund and Regeneration Policy

Because reports are digital products that are generated individually and delivered immediately upon purchase, all sales are final and cash refunds are not provided once a report has been generated and delivered.

If you are not satisfied with your report, you may request one (1) regeneration of the report at no additional cost. A regeneration request must be submitted within fourteen (14) days of delivery to the contact address in the Contact section, and should describe what you believe was inaccurate, unclear, or incomplete. You may correct or clarify your questionnaire responses as part of a regeneration request. The regenerated report replaces the original and is subject to these same Terms.

Nothing in this section limits any non-waivable statutory rights you may hold under the consumer protection laws of your place of residence.

6. Acceptable Use

You agree not to: (a) use the Service for any unlawful purpose; (b) resell, redistribute, or commercially exploit reports without our prior written consent; (c) attempt to interfere with, probe, or disrupt the Service or its infrastructure; or (d) submit information about another person without their authorization.

7. Intellectual Property

The Service, including its content, design, and branding, is owned by or licensed to AbroadLedger. Upon purchase, you are granted a non-exclusive, non-transferable license to use your report for your personal, non-commercial purposes. All other rights are reserved.

8. Accuracy and Currency of Information

Tax laws, treaties, rates, thresholds, and administrative practices change frequently and vary by jurisdiction and by individual circumstances. While the Service is designed to draw on current publicly available sources, we make no representation or warranty that any information provided is accurate, complete, or current at the time you read it, or that it applies to your specific situation. You are solely responsible for verifying any information before relying on it.

9. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory, including without limitation implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by applicable law, AbroadLedger and its owners, operators, employees, and contractors shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, savings, data, or goodwill, arising out of or in connection with your use of the Service or your reliance on any information contained in a report. This includes, without limitation, any taxes, interest, penalties, filing obligations, or professional fees incurred as a result of actions taken or not taken on the basis of the Service.

To the maximum extent permitted by applicable law, our total aggregate liability arising out of or relating to the Service shall not exceed the amount you paid to us for the Service in the twelve (12) months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless AbroadLedger from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Service.

12. Changes to the Service or These Terms

We may modify the Service or these Terms at any time. Material changes will be indicated by updating the "Last updated" date on this page. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of [JURISDICTION], without regard to its conflict of laws principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of [JURISDICTION].

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.