LEGAL

Terms and software licence

These terms govern use of the Finance Ledger website and the licence for Finance Ledger for Mac. The product and this site are provided by James Erringham-Bruce, a sole trader trading as Kernyard (“Kernyard”, “we”, “us”). Finance Ledger is not a separate company.

Effective date: 9 September 2026.

1. Website terms of use

1.1 The website

The site at finance-ledger.kernyard.com is a marketing and purchase storefront for Finance Ledger for Mac. You may browse it and, if you choose, buy the software through Stripe Checkout.

1.2 Acceptable use

You agree not to:

• Misuse the site, attempt unauthorised access, or disrupt its operation
• Use automated means to scrape or overload the site in a harmful way
• Use the site for unlawful purposes

1.3 Intellectual property

Content on this website—including text, branding, layout and trademarks relating to Finance Ledger and Kernyard—belongs to James Erringham-Bruce or its licensors. You may not copy or reuse it except as allowed by law or with our written permission.

1.4 No warranty for the marketing site

The website is provided on an “as is” and “as available” basis. We aim to keep it accurate and available, but we do not warrant that it will be uninterrupted or error-free.

1.5 Related policies

Your privacy is described in our Privacy Policy. Purchases of downloadable software are subject to our Refund Policy.

2. Software licence (EULA)

This section is the end-user licence agreement for Finance Ledger for Mac. By purchasing or installing the software, you agree to these licence terms.

2.1 Licence grant

Subject to payment and these terms, we grant you a personal, non-exclusive, non-transferable licence to download, install and use Finance Ledger for Mac on Apple Silicon Mac computers you own or control, for your personal or household use.

2.2 What you may not do

Except as allowed by applicable law, you may not:

• Sell, rent, sublicense, redistribute or publicly share the installer or licensed copies
• Remove proprietary notices from the software
• Circumvent technical measures that protect the software or download delivery
• Use the software to provide commercial bureau or multi-tenant services to others

2.3 Purchase and updates

Finance Ledger is sold as a one-time purchase. After a successful purchase, you receive access to download the Mac app. Your purchase includes access to future updates of Finance Ledger for Mac that we make available, at no extra charge. Updates may change features or requirements; continued use of updates is subject to these terms.

2.4 Compatibility and support

The software is provided for supported Apple Silicon Mac systems as described on this website. We do not guarantee compatibility with every macOS version, hardware configuration or third-party software. Reasonable support is available via madebykernyard@gmail.com; see also Support.

2.5 Local data and backups

Finance Ledger stores your financial records locally on your Mac. You are responsible for backing up your data and for any loss arising from device failure, deletion or migration. We do not hold a cloud copy of your in-app financial records.

2.6 No financial advice

Finance Ledger is a financial organisation and planning tool. It does not provide financial, investment, tax or legal advice. You remain solely responsible for decisions about your money.

2.7 Termination

This licence continues until terminated. It terminates automatically if you breach these terms. On termination you must stop using the software and delete copies in your possession, except where law requires otherwise. Sections that by nature should survive (including disclaimers and liability limits) continue to apply.

2.8 Liability

Nothing in these terms excludes or limits liability that cannot be excluded or limited under the law of England and Wales, including liability for death or personal injury caused by negligence, or for fraud. Subject to that, to the fullest extent permitted by law:

• The software and website are provided without warranties beyond those that cannot be excluded for consumers
• We are not liable for indirect or consequential loss, loss of profits, or loss of data, except where the law does not allow that exclusion
• Our total liability arising from a purchase or use of Finance Ledger is limited to the amount you paid us for that purchase

If you are a consumer in the UK, your statutory rights are not affected where the law does not allow them to be limited.

3. Governing law

These terms are governed by the laws of England and Wales. Courts of England and Wales have non-exclusive jurisdiction, without prejudice to any mandatory consumer protections that apply where you live.

4. Contact

James Erringham-Bruce trading as Kernyard
madebykernyard@gmail.com