Terms of Service

These Terms of Service ("Terms") govern your access to and use of the AbroadLedger website and the informational products and features offered through it (collectively, the "Service"), operated by AbroadLedger ("AbroadLedger", "we", "us", or "our"). By accessing the Service, completing a questionnaire, uploading any document, or purchasing a report, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and Disclaimer, which are incorporated here by reference. 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, and on publicly available sources consulted at the time of generation, 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. Reports are generated by automated systems and are produced individually for each request. The Service consists of general educational information designed to help you understand how tax rules generally work and what questions to bring to a qualified professional. It is not, and is not intended to be, tax advice, legal advice, financial advice, accounting advice, or a recommendation, and it is not a determination of any amount you owe or any action you should take.

2. No Professional Relationship

Your use of the Service does not create an accountant-client, attorney-client, advisor-client, fiduciary, or any other professional relationship between you and AbroadLedger. AbroadLedger is not a law firm, accounting firm, tax-preparation service, investment adviser, or registered tax or financial advisory business, and none of its owners, operators, employees, or contractors is acting as your tax adviser, lawyer, accountant, or fiduciary. The Service is not a substitute for the advice of a qualified, licensed professional who has been engaged to review your complete individual circumstances. You should not act, or refrain from acting, on the basis of anything provided through the Service without first obtaining advice from such a professional.

3. Eligibility and Accuracy of Your Information

You must be at least 18 years of age and have the legal capacity to enter into a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements, that you are using the Service for your own lawful, personal purposes, and that all information you submit is accurate, complete, and provided in good faith to the best of your knowledge. The quality and relevance of any report depends entirely on the accuracy of the information you provide. We are not responsible for outputs that are affected by information that is inaccurate, incomplete, out of date, or misunderstood.

4. Payment and Delivery

Paid reports are offered for a one-time fee stated at the point of purchase, in the currency shown. Payments are processed by PayPal, a third-party payment processor, and are subject to PayPal's own terms and privacy policy. We do not receive or store your full card or bank account details. By purchasing, you authorize the charge for the amount displayed and confirm that you are authorized to use the selected payment method. 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, and delivery may be delayed or prevented by factors outside our control, including issues with your email provider, spam filtering, or an address entered incorrectly. It is your responsibility to provide a valid email address that can receive our messages.

5. Refund and Regeneration Policy

Because reports are digital products that are generated individually and delivered immediately upon purchase, and because you receive immediate access to the content, all sales are final and cash refunds are not provided once a report has been generated and delivered, except where a refund is required by applicable non-waivable law.

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. The free regeneration is your sole and exclusive remedy for dissatisfaction with a report, and a regeneration is not an admission that the original report was incorrect.

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, fraudulent, or harmful purpose, or in violation of any applicable law or regulation; (b) resell, sublicense, redistribute, publish, or commercially exploit any report or other content without our prior written consent; (c) copy, scrape, mine, frame, or systematically extract content from the Service, or use it to develop, train, or improve any competing product or any machine-learning model; (d) attempt to access, interfere with, probe, reverse engineer, overload, or disrupt the Service, its systems, or its infrastructure, or circumvent any security or access control; (e) submit information about another person without their authorization, or impersonate any person or entity; or (f) use any robot, bot, or automated means to access the Service other than as expressly permitted. We may suspend or terminate access for any actual or suspected violation, without notice and without refund.

7. Intellectual Property and License

The Service, including its software, text, reports, templates, layouts, design, graphics, logos, trademarks, and branding, is owned by or licensed to AbroadLedger and is protected by intellectual property and other laws. Upon full payment, you are granted a limited, personal, non-exclusive, non-transferable, revocable license to access and use your report for your own personal, non-commercial purposes. All rights not expressly granted are reserved. The AbroadLedger name and logo may not be used without our prior written permission. Any feedback or suggestions you provide may be used by us without restriction or obligation to you.

8. Accuracy and Currency of Information

Tax laws, treaties, rates, thresholds, filing requirements, and administrative practices change frequently and vary by jurisdiction and by individual circumstances. While the Service is designed to draw on publicly available sources, those sources may themselves be incomplete, outdated, or in error, and automated systems can produce content that is inaccurate or incomplete. We make no representation or warranty that any information provided is accurate, complete, current, or applicable to your specific situation at the time you read it. You are solely responsible for independently verifying any information with a qualified professional or an official source before relying on it or acting on it.

9. Third-Party Services and Links

The Service relies on, and may contain links to, third-party services and websites that we do not control, including our payment processor, email provider, hosting and infrastructure providers, and any external sources referenced in a report. We do not endorse and are not responsible for the content, products, policies, availability, or practices of any third party. Your use of any third-party service is governed by that party's own terms and privacy policy, and we disclaim all liability arising from your use of, or reliance on, any third party.

10. Documents and Content You Provide

If you choose a tier that allows you to upload documents, you are responsible for the content you submit and you represent that you have the right to provide it. You must not upload content that infringes the rights of others, that you are not authorized to share, or that contains more sensitive information than is necessary. You grant us a limited license to process the content you submit solely to provide the Service to you, as described in the Privacy Policy. We are not responsible for any content you choose to provide, and you should not rely on the Service to retain, back up, or safeguard your documents.

11. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Service and all reports and content are 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, title, accuracy, quiet enjoyment, and non-infringement, and any warranties arising from course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, secure, error-free, or free of harmful components, that any defects will be corrected, or that any report will achieve any particular result, be free from error, or meet your expectations. Any reliance you place on the Service is strictly at your own risk.

12. Assumption of Risk

You acknowledge that decisions about taxes, residency, filings, and finances carry inherent risk, that outcomes depend on facts no questionnaire can fully capture and on the judgment of the relevant authorities, and that the Service provides general educational information rather than a personalized determination. You accept full responsibility for evaluating, verifying, and deciding whether and how to act on any information provided, and for the consequences of doing so.

13. Limitation of Liability

To the maximum extent permitted by applicable law, AbroadLedger and its owners, operators, affiliates, employees, contractors, and suppliers (the "Protected Parties") shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, savings, data, business, opportunity, reputation, or goodwill, arising out of or in connection with the Service, any report, or your reliance on any information, whether based in contract, tort (including negligence), strict liability, or any other theory, and whether or not the Protected Parties were advised of the possibility of such damages. This includes, without limitation, any taxes, interest, penalties, surcharges, audits, filing obligations, missed deadlines, or professional fees incurred as a result of any action taken or not taken on the basis of the Service.

To the maximum extent permitted by applicable law, the total aggregate liability of the Protected Parties arising out of or relating to the Service shall not exceed the greater of (a) the total amount you paid to us for the Service in the twelve (12) months preceding the event giving rise to the claim, or (b) fifty United States dollars (US $50). Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so some of the above limitations may not apply to you; in that case our liability is limited to the smallest extent permitted by law. These limitations are a fundamental basis of the bargain between you and us and apply even if any limited remedy fails of its essential purpose.

14. Indemnification

You agree to defend, indemnify, and hold harmless the Protected Parties from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your breach of these Terms, the Privacy Policy, or any applicable law; (b) your misuse of the Service or any report; (c) any content or information you submit, including documents you upload or information about another person; or (d) any decision, filing, or action you take or fail to take in connection with the Service. We reserve the right to assume the exclusive defense of any matter subject to indemnification, in which case you agree to cooperate with us.

15. Electronic Communications and Consent

By using the Service, you consent to receive communications from us electronically, including by email and through the website, and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. Transactional emails relating to your purchase or request are a necessary part of the Service. You may opt out of non-essential marketing emails at any time using the unsubscribe link they contain.

16. Force Majeure

We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, power or internet failures, cyberattacks, or the failure, interruption, or change of any third-party service, network, or supplier on which the Service depends.

17. Dispute Resolution, Governing Law, and Class Action Waiver

These Terms and any dispute arising out of or relating to them or the Service are governed by and construed in accordance with the laws of [JURISDICTION], without regard to its conflict of laws principles and excluding the United Nations Convention on Contracts for the International Sale of Goods. Subject to any non-waivable rights you have as a consumer in your country of residence, you and we agree to submit to the exclusive jurisdiction of the courts located in [JURISDICTION] for the resolution of any dispute.

Before filing any claim, you agree to first contact us using the details in the Contact section and to attempt in good faith to resolve the dispute informally for at least thirty (30) days. To the maximum extent permitted by applicable law, any dispute will be resolved on an individual basis only, and you and we waive any right to bring or participate in a class, collective, consolidated, or representative action. Any claim you may have arising out of or relating to the Service must be filed within one (1) year after the claim arose, or it is permanently barred, except where a longer period is required by applicable non-waivable law.

18. Termination

We may suspend, restrict, or terminate your access to the Service at any time, with or without notice, including for any violation of these Terms or where we reasonably believe it is necessary to protect the Service or other users. You may stop using the Service at any time. Sections that by their nature should survive termination, including those on intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution, survive any termination.

19. Changes to the Service or These Terms

We may modify, suspend, or discontinue all or any part of the Service at any time, and we may revise these Terms from time to time. Material changes will be indicated by updating the "Last updated" date on this page, and where appropriate by other reasonable means. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

20. Assignment

You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets. These Terms bind and benefit the parties and their permitted successors and assigns.

21. Entire Agreement; Waiver; Severability

These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and AbroadLedger regarding the Service and supersede all prior or contemporaneous understandings on that subject. Our failure to enforce any provision is not a waiver of that or any other provision. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will continue in full force and effect.

22. Affiliate and Partner Program

If you join our affiliate or partner program, you do so as an independent participant and not as an employee, agent, partner, or legal representative of AbroadLedger, and you have no authority to bind us or make any commitment on our behalf. Your participation is also governed by the program rules and any terms presented to you when you sign up, which are incorporated here by reference.

You are solely responsible for how you promote AbroadLedger, including the content, placement, and accuracy of your promotion and your compliance with all applicable laws, advertising and disclosure rules, and platform policies. AbroadLedger is educational: it explains how tax rules generally work for a situation like the reader's and points them to the questions to ask a qualified professional, and it never tells anyone what they owe or what to do. You must keep your promotion within that educational framing and must not present the Service as tax, legal, or financial advice, promise any specific outcome, refund, or savings, misuse our name, logo, or brand, imply endorsement by any government or tax authority, or use spam, pressure, or false or misleading claims.

You are responsible and liable for any misbranding, misrepresentation, unauthorized claim, or other conduct by you in connection with your promotion, and to the maximum extent permitted by applicable law AbroadLedger and the Protected Parties are not responsible or liable for it. The indemnification in Section 14 applies to your participation in the program, including any claim arising out of your promotion or your breach of these rules.

We may, at our sole discretion and with or without notice, suspend, restrict, or terminate your affiliate account and withhold, reverse, or cancel any commission or payout if you breach these Terms or the program rules, if we reasonably suspect fraud, abuse, self-referral, misrepresentation, or other improper activity, or where we consider it necessary to protect the Service, our customers, or our brand. Commissions are earned only on qualifying, completed sales and are subject to the minimum payout threshold, review, and any reversal for refunds or chargebacks described in the program. We may change or discontinue the program, or its rates and rules, at any time.

23. Contact

Questions about these Terms may be directed to us through the Contact page.

Educational information only. This explains how tax rules generally work for situations like yours. It is not tax, legal, or financial advice, not a recommendation, and not a conclusion about what you owe or should do. Consult a qualified tax professional before making any decision.