1. Agreement and service provider
These Terms of Service form a binding agreement between Ivorycom LLC, located at 5208 White Chicory Dr, Apollo Beach, FL 33572, United States (“Ivorycom,” “TightLedger,” “we,” “us,” or “our”), and the person or organization that accesses or uses TightLedger (“Customer” or “you”). TightLedger includes our websites, applications, APIs, financial-recovery workflows, reports, integrations, and related services.
By creating an account, accepting an order, or using TightLedger, you accept these Terms, the Privacy Notice, and any order form or billing policy presented to you. If you use TightLedger for an organization, you represent that you have authority to bind it. If you do not agree, do not use the service.
2. Business-use eligibility
You must be at least 18 years old and legally able to enter a contract. TightLedger is intended for business, professional, freelance, independent-contractor, gig, nonprofit, or other income-producing activity. A sole proprietor—including a rideshare driver or other self-employed person—may use TightLedger without forming an LLC, corporation, or registered business.
TightLedger is not offered primarily for personal, family, or household use. You are responsible for confirming that your use is lawful in every location where you operate.
3. Accounts and authorized users
You must provide accurate account information, keep it current, protect credentials and recovery codes, and promptly report suspected unauthorized access. You are responsible for activity by people you authorize and for assigning roles that match their responsibilities.
Organization administrators may invite users, control access, configure policies, and manage connected sources. An administrator must have authority to provide those instructions and may not use TightLedger to access another person’s or organization’s information without permission.
4. Connected sources and customer instructions
TightLedger can connect to financial, accounting, payment, commerce, email, file, identity, customer-management, and other systems selected by you. You direct which sources to connect and which permissions to grant. Connections should begin with read-only or least-privilege access where available.
You represent that you have all rights, notices, permissions, and lawful bases needed for us to access and process information from those sources. You must not connect personal or third-party accounts that you are not authorized to use.
5. Findings, evidence, approvals, and recoveries
TightLedger uses automated and human-directed workflows to identify possible financial leakage, assemble supporting evidence, and help customers pursue approved actions. Findings move through distinct states. “Potential” is a hypothesis, “Verified” means configured evidence requirements were satisfied, and “Recovered” requires an authoritative outcome match. A potential or verified amount is not cash, savings, or a guaranteed recovery.
You remain responsible for reviewing evidence, calculations, recipients, amounts, messages, and consequences before approving an external action. TightLedger may require recent authentication or additional approval for sensitive actions.
6. AI-assisted outputs
TightLedger may use automated systems and artificial intelligence to classify records, identify patterns, summarize evidence, propose actions, and generate drafts. Outputs can be incomplete, delayed, or wrong. You must apply appropriate human judgment before relying on an output or communicating it to another person.
Ivorycom and its AI providers will not use Customer Content to train general-purpose AI models unless the Customer separately gives explicit opt-in consent. We may use deidentified operational information to secure, operate, and improve TightLedger only when it cannot reasonably identify a customer or person.
7. No professional advice or guaranteed outcome
TightLedger is a software service, not an accounting firm, law firm, tax preparer, collection agency, investment adviser, or financial institution. Information and outputs are not legal, tax, accounting, investment, or other professional advice. Consult qualified professionals for decisions that require professional judgment.
We do not guarantee that TightLedger will find money, validate a claim, prevent loss, obtain a refund, reduce spending, collect a receivable, produce tax savings, or achieve any other outcome.
8. Acceptable use
You may not use TightLedger to:
- break a law, contract, court order, or third-party right;
- access data or systems without authorization or exceed granted permissions;
- submit false evidence, impersonate another person, conceal message origin, or pursue a claim you know is invalid;
- collect consumer debts or make regulated financial, employment, housing, insurance, or credit decisions unless you have confirmed all applicable obligations;
- upload malware, probe vulnerabilities, disrupt the service, evade rate limits, or bypass security controls;
- reverse engineer or copy the service except where applicable law expressly permits it;
- use outputs to discriminate unlawfully or cause material harm; or
- resell or provide service-bureau access unless an order expressly allows it.
9. Third-party services
Connected services and other third-party products are governed by their own terms and privacy practices. TightLedger does not control their availability, accuracy, permissions, data retention, or changes. We may suspend an integration when necessary to protect customers, comply with law, or respond to a provider change.
Signing in through an identity provider does not by itself authorize access to that provider’s email, files, or business data. Each additional connection requires its own permission flow.
10. Fees, attribution, taxes, and disputes
Fees, success-fee rates, minimums, billing periods, currency, attribution rules, and dispute windows are stated in the order form or billing policy you accept. TightLedger does not charge a recovery fee merely because an opportunity is Potential or Verified. When outcome pricing applies, a fee event requires the authoritative confirmation described in the applicable billing policy.
You must raise an attribution or billing dispute within the stated dispute window and provide relevant evidence. Except where an order says otherwise or law requires, fees are non-refundable. You are responsible for applicable sales, use, value-added, withholding, and similar taxes, excluding taxes on Ivorycom’s income.
11. Customer Content and permissions
“Customer Content” means information submitted, uploaded, connected, generated for, or otherwise processed on behalf of a Customer, including financial records, evidence, communications, policies, and user data. As between the parties, the Customer retains its rights in Customer Content.
The Customer grants Ivorycom a limited, nonexclusive right to host, copy, transmit, transform, and otherwise process Customer Content only to provide, secure, support, and improve the service as permitted by these Terms and the Data Processing Agreement. This permission ends when the content is deleted, except for lawful retention and backup expiry.
12. TightLedger intellectual property and feedback
Ivorycom and its licensors retain all rights in TightLedger, including software, models, workflows, designs, documentation, trademarks, and service improvements. These Terms provide a limited, revocable, nontransferable right to use the service during the subscription; they do not transfer ownership.
If you provide feedback, you allow Ivorycom to use it without restriction or payment, provided we do not identify you publicly without permission.
13. Confidentiality
Each party may receive nonpublic information that a reasonable person would understand is confidential. The receiving party will use it only for the agreement, protect it with reasonable care, and disclose it only to personnel and service providers who need it and are bound by confidentiality duties.
Confidential information excludes information independently developed, lawfully received without restriction, or publicly available through no breach. A party may disclose information when legally required after giving notice where lawful and reasonably assisting with protective measures.
14. Privacy and security
Our Privacy Notice explains how Ivorycom handles personal information as a controller. The Data Processing Agreement applies when Ivorycom processes personal data for a Customer. We use administrative, technical, and organizational safeguards appropriate to the service and the sensitivity of the information, but no system is completely secure.
You are responsible for configuring access, reviewing permissions, protecting endpoints, and promptly removing users who no longer need access.
15. Suspension and termination
You may stop using TightLedger and terminate as stated in your order. We may suspend access when reasonably necessary to address a security risk, unlawful use, nonpayment, material breach, provider restriction, or threat to the service or others. Where practical, we will provide notice and an opportunity to cure.
Either party may terminate for an uncured material breach after reasonable written notice, or immediately if cure is impossible. After termination, access ends and Customer Content is deleted or anonymized within 30 days, with encrypted backups expiring within 90 days, unless law, an unresolved dispute, or the Customer’s documented instruction requires otherwise.
16. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, TIGHTLEDGER IS PROVIDED “AS IS” AND “AS AVAILABLE.” IVORYCOM DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION, COMPLETE OR ACCURATE DATA, OR A PARTICULAR FINANCIAL RESULT.
Some jurisdictions do not allow certain disclaimers. In that case, the disclaimer applies only to the extent permitted.
17. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY.
EXCEPT FOR AMOUNTS THAT CANNOT LAWFULLY BE LIMITED, EACH PARTY’S TOTAL LIABILITY ARISING FROM THE SERVICE WILL NOT EXCEED THE FEES PAID OR PAYABLE BY THE CUSTOMER FOR TIGHTLEDGER DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY. IF THE CUSTOMER USED ONLY A FREE SERVICE, THE CAP IS US$100. These limits do not limit payment obligations, fraud, willful misconduct, infringement, confidentiality breaches, or indemnity obligations to the extent such exclusions are enforceable.
18. Indemnity
To the extent permitted by law, the Customer will defend and indemnify Ivorycom and its personnel from third-party claims arising from Customer Content, connected-source permissions, unlawful use, or the Customer’s material breach of these Terms. Ivorycom will provide prompt notice, reasonable cooperation, and control of the defense, subject to Ivorycom’s right to participate and to approve any settlement that admits fault or imposes obligations on Ivorycom.
19. Governing law and disputes
Florida law governs these Terms without regard to conflict-of-law principles. The state and federal courts serving Hillsborough County, Florida have exclusive jurisdiction, and each party consents to venue there. These Terms do not require arbitration or waive class proceedings.
Nothing in these Terms removes a right or remedy that applicable law does not permit the parties to waive. Before filing a claim, each party will make a good-faith effort to resolve it through written notice and 30 days of discussion.
20. Changes to the service or Terms
We may update the service and these Terms. We will post the new version and provide reasonable advance notice of a material change when required. A change will not retroactively reduce rights for an existing dispute. Continued use after the effective date means acceptance where permitted; if you do not accept, you must stop using the service.
21. General terms and notices
Neither party may assign the agreement without the other’s consent, except in connection with a merger, reorganization, or sale of substantially all relevant assets if the assignee accepts the agreement. The parties are independent contractors. Failure to enforce a term is not a waiver. If a term is unenforceable, it will be limited to the minimum extent necessary and the remainder stays effective.
Notices to Ivorycom must be sent to legal@tightledger.com and 5208 White Chicory Dr, Apollo Beach, FL 33572, United States. Operational notices may be sent to the email associated with your account.