Terms of Use
Effective October 21, 2026
These terms govern your use of LedgerLine, the website at ledgerline-dv0.pages.dev and its app (the “Service”), operated by Kevin Rodrigue (“we”, “us”). By signing in to or using the Service you agree to them. If you do not agree, do not use the Service.
1. Information only, not advice
The Service provides financial data, ratios, scores, fair-value estimates and verdicts for information and education only. Nothing on the Service is investment, financial, legal, tax or accounting advice, or a recommendation or solicitation to buy, sell or hold any security. We are not a registered investment adviser, broker-dealer or financial planner, and we do not know your financial situation, objectives or risk tolerance.
You make your own investment decisions and you are solely responsible for them. Consult a licensed financial adviser, CPA or tax professional before acting.
2. Trade at your own risk
Investing involves risk, including the loss of all money invested. Trading on margin, or in options, futures, leveraged or inverse products, can produce losses greater than the amount invested. Past performance, back-tested results and model outputs do not guarantee future results.
3. Data and accuracy
Financial statements are read from XBRL data in filings on the SEC’s EDGAR system. Intraday prices are delayed at least 15 minutes and come from IEX through Marketstack; outside market hours prices are end-of-day closes. Scores, fair values and verdicts are produced automatically by fixed rules. Any of this can be incomplete, delayed, misclassified or wrong, including where companies tag their filings inconsistently. The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including accuracy, completeness, timeliness, merchantability or fitness for a particular purpose. Verify figures against the original filings before relying on them.
4. Your account
Access is by invitation or subscription, using a one-time code sent to your email. Keep access to your email account secure; you are responsible for activity under your login. Each subscription is for one person and may not be shared.
5. Beta, trials and subscriptions
- Beta. During the private beta the Service is free. Features may change or break, and we may end the beta at any time.
- Free trial. When paid plans open, new subscriptions start with a 21-day free trial. A payment card is required. You will be charged the plan price on day 22 unless you cancel before then.
- Billing. Plans are $19 per month or $190 per year, billed in advance through Stripe and renewing automatically until cancelled. Prices may change with at least 30 days’ notice before your next renewal.
- Cancelling. Cancel any time from Account inside the app. You keep access until the end of the period you have paid for. Except where required by law, payments are non-refundable.
6. Acceptable use
Do not scrape, bulk-download, resell or redistribute the Service or its data; do not attempt to bypass the login, rate limits or security; and do not use the Service for any unlawful purpose. Market data is licensed from third parties and is for your personal use only.
7. Ownership
The Service’s design, methodology, software and text are owned by Kevin Rodrigue and protected by copyright. SEC filings are public records. Third-party data remains the property of its providers. You may save and share your own notes and screenshots for personal, non-commercial use.
8. Limitation of liability
To the fullest extent permitted by law, we are not liable for any investment losses, lost profits or indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, the Service or any data on it. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim, or $100 if you have paid nothing.
9. Indemnity
You agree to indemnify and hold us harmless from claims arising from your use of the Service, your investment decisions or your breach of these terms.
10. Suspension and changes
We may suspend or end access for breach of these terms, or change or discontinue the Service. We may update these terms; the effective date above will change, and continuing to use the Service after an update means you accept it.
11. Governing law
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Disputes will be brought in the state or federal courts located in Florida.
12. Contact
Questions about these terms: kgrodrigue@yahoo.com.