Terms of Service — Highgate Ledger

1. Acceptance of Terms

These Terms of Service ("Terms") form a binding agreement between you ("you" or "User") and Hrdlicka Apps LLC, an Iowa limited liability company ("Hrdlicka Apps," "we," "us," or "our"), governing your download, installation, and use of the Highgate Ledger mobile application, including its companion widgets and Live Activities (collectively, the "App").

By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App. If you are using the App on behalf of a household member or family, you represent that you have their permission to do so as described in Section 5.

2. Description of the App

Highgate Ledger is a personal budgeting and net-worth tracking tool for iOS. It helps you record transactions, set budgets and goals, track accounts and net worth over time, import transaction files you provide, and optionally sync your data across your own devices using your personal iCloud account.

Highgate Ledger does not connect directly to your bank, does not request your online banking credentials, and does not aggregate financial account data through any third-party financial data provider. All financial figures in the App come from information you enter yourself or from files you choose to import.

3. Eligibility

You must be at least 13 years old to use the App. If you are under the age of majority in your jurisdiction, you may only use the App with the involvement and consent of a parent or legal guardian, who agrees to be bound by these Terms on your behalf where required by law.

4. License Grant & Restrictions

Subject to your compliance with these Terms, Hrdlicka Apps grants you a limited, non-exclusive, non-transferable, revocable license to download and use the App on Apple-branded devices that you own or control, solely for your personal, non-commercial use, in accordance with Apple's applicable usage rules.

You agree not to:

Copy, modify, or create derivative works of the App, except as permitted by applicable law;
Reverse engineer, decompile, or disassemble the App, except to the extent such restriction is prohibited by law;
Rent, lease, sell, sublicense, redistribute, or otherwise transfer the App or your license to it;
Remove, obscure, or alter any proprietary notices in the App;
Use the App to build a competing product or service.

5. iCloud, Sync & Household Sharing

The App can optionally store and sync your data using your personal iCloud account via Apple's CloudKit framework. This sync is between your own devices, using your own private iCloud database — Hrdlicka Apps does not operate servers that store your financial data, and we do not have access to your synced data. Your use of iCloud is also governed by Apple's own terms and privacy practices.

The App also includes an optional household-sharing feature that lets you invite another person to view or contribute to a shared set of financial data via Apple's CloudKit sharing tools. If you enable this feature:

You are solely responsible for deciding who to invite and what data you choose to share;
Anyone you invite will be able to see the shared data according to the permissions you grant;
You should only invite people you trust with that financial information;
You can revoke access to shared data at any time from within the App, and doing so applies going forward, not retroactively to information already viewed.

If you disable iCloud sync or are not signed into iCloud, the App stores your data locally on your device only, and that data is not backed up by us. You are responsible for maintaining your own device backups.

6. Your Data

You retain all ownership rights in the financial information, transactions, notes, categories, goals, and other content you enter into the App ("Your Data"). We do not claim ownership over Your Data.

You are solely responsible for the accuracy of Your Data and for maintaining independent backups or exports (using the App's built-in export tools) of any information you cannot afford to lose. Deleting the App, resetting your device, or losing access to your iCloud account may result in permanent loss of Your Data if no independent backup exists.

Practical tip: Use the App's export feature periodically if your financial records matter to you long-term. Local-only data that has never synced to iCloud exists in exactly one place: your device.

7. Importing Bank Files

The App allows you to import transaction files in common bank-export formats (such as CSV, OFX/QFX, and QIF) that you download yourself from your bank's or card issuer's website and choose to bring into the App. This import happens locally on your device — the App parses the file you selected; it does not fetch files from your bank on its own and does not transmit these files to Hrdlicka Apps or any third party.

You are responsible for verifying imported transactions for accuracy before relying on them, and for the security of any exported bank files on your own device.

8. Highgate Ledger Pro & Purchases

Certain features of the App ("Highgate Ledger Pro") may be offered as a paid unlock or auto-renewing subscription through Apple's In-App Purchase system (StoreKit). Where a paid feature is offered:

Pricing, billing cycle, and renewal terms will be disclosed at the point of purchase;
Payment is charged to your Apple ID account at confirmation of purchase;
Auto-renewing subscriptions, if offered, renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period;
You can manage or cancel a subscription at any time in your device's Settings > Apple ID > Subscriptions;
All purchases are processed by Apple, and refunds are handled by Apple in accordance with Apple's own policies — Hrdlicka Apps does not process payments or issue refunds directly.

Your entitlement to purchased features is verified against your Apple ID and stored securely on your device (including the device's Secure Enclave / Keychain, where applicable). If you restore your purchase on a new device using the same Apple ID, previously purchased entitlements should be restored automatically; a manual "Restore Purchases" option is also available in the App.

9. Not Financial, Tax, or Legal Advice

      Highgate Ledger is a record-keeping and planning tool, not a financial advisor. Budgets, projections, net-worth calculations, debt-payoff simulations, emergency-fund estimates, and any other figures the App generates are based solely on the data you provide and general calculations (such as amortization formulas). They are estimates for personal organizational purposes only.
    

Nothing in the App constitutes investment, tax, accounting, or legal advice, and nothing in the App should be construed as a recommendation to buy, sell, or hold any security or financial product, or to take any specific financial action. You should consult a qualified, licensed professional (such as a CPA, attorney, or financial advisor) before making significant financial decisions. Hrdlicka Apps is not a registered investment advisor, broker-dealer, or financial institution.

10. Acceptable Use

You agree not to use the App to:

Violate any applicable law or regulation;
Attempt to gain unauthorized access to any part of the App, another user's shared household data, or any related systems;
Interfere with or disrupt the integrity or performance of the App;
Introduce malware, viruses, or other harmful code through any import feature;
Use the App in any way that infringes the rights of a third party.

11. Intellectual Property

The App, including its design, source code, graphics, icons, and the "Highgate Ledger" name and logo, is the property of Hrdlicka Apps LLC and is protected by applicable copyright, trademark, and other intellectual property laws. Except for the limited license in Section 4, no rights are granted to you in the App's intellectual property.

12. Third-Party Services

The App relies on services provided by Apple Inc., including the App Store, iCloud/CloudKit, StoreKit, WidgetKit, and ActivityKit (Live Activities). Your use of these services is subject to Apple's own terms and privacy policies, which are separate from these Terms. Hrdlicka Apps is not responsible for the availability, performance, or content of Apple's services.

13. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF DATA. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF DATA LOSS, OR THAT ANY CALCULATION, PROJECTION, OR IMPORTED TRANSACTION WILL BE ACCURATE OR COMPLETE.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HRDLICKA APPS LLC AND ITS OWNER(S) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, PROFITS, OR FINANCIAL LOSS, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE APP — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE APP WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US, IF ANY, FOR HIGHGATE LEDGER PRO IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE, OR (B) TWENTY-FIVE U.S. DOLLARS ($25).

This limitation does not apply to liability that cannot be limited or excluded under applicable law (such as liability for fraud or gross negligence in jurisdictions that prohibit its exclusion).

15. Indemnification

You agree to indemnify and hold harmless Hrdlicka Apps LLC from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the App, your violation of these Terms, or your violation of any third party's rights, including any dispute arising from data you chose to share with another person through the household-sharing feature.

16. Termination

These Terms remain in effect until terminated by you or by us. You may terminate at any time by deleting the App from your devices. We may suspend or terminate your access to features of the App (such as Highgate Ledger Pro entitlements tied to fraudulent purchases) if you materially breach these Terms. Sections of these Terms that by their nature should survive termination (including Sections 6, 9, 11, 13, 14, 15, and 17) will survive.

17. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Iowa, United States, without regard to its conflict-of-law principles, except where superseded by applicable Apple Media Services Terms and Conditions for matters Apple requires to be governed differently.

Informal resolution first

Before filing a claim, you agree to contact us at the email address in Section 20 and give us 30 days to informally resolve the dispute.

Arbitration & class action waiver

If informal resolution fails, any dispute arising out of or relating to these Terms or the App will be resolved by binding arbitration on an individual basis, rather than in court, except that either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to prevent misuse of intellectual property. You and Hrdlicka Apps each waive the right to a jury trial and to participate in a class, collective, or representative action. This arbitration and class-action-waiver provision applies to the extent permitted by applicable law; where prohibited, disputes will instead be resolved exclusively in the state or federal courts located in Iowa, and both parties consent to personal jurisdiction there.

18. Changes to These Terms

We may update these Terms from time to time, for example to reflect new features, legal requirements, or clarifications. If we make material changes, we will update the "Last updated" date above and, where appropriate, notify you within the App before the change takes effect. Your continued use of the App after a material change takes effect constitutes acceptance of the revised Terms; if you do not agree, you should stop using the App.

19. Miscellaneous

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Hrdlicka Apps LLC regarding the App and supersede any prior agreements on this subject.

Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

No waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

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.

Acknowledgment regarding Apple. You acknowledge that these Terms are between you and Hrdlicka Apps LLC only, not with Apple Inc., and Apple has no obligation to furnish any maintenance or support services for the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for the App; Apple has no other warranty obligation with respect to the App. Apple is not responsible for addressing any claims relating to the App, including product liability claims, claims that the App fails to conform to legal or regulatory requirements, and claims arising under consumer protection law. Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms as they relate to your license to use the App, and, upon your acceptance of these Terms, Apple will have the right to enforce these Terms against you as a third-party beneficiary.

20. Contact

Questions about these Terms can be sent to:

Hrdlicka Apps LLC
Iowa, United States
Email: support@hrdlickaapps.com

Update the contact email above to your actual support address before publishing this document.

Last updated: August 20, 2026 · Highgate Ledger · hrdlickaapps.com