Terms of Service

1. Agreement to these Terms

These Terms of Service (the “Terms”) are a binding agreement between you and Sesame Byte LLC, a limited liability company (“calQledg,” “we,” “us,” or “our”), governing your access to and use of the calQledg websites, web application and mobile applications, and all related features, content and services (together, the “Service”). By creating an account, clicking to accept, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you use the Service on behalf of a business, you represent that you are authorized to bind that business, and “you” includes that business. If you do not agree, do not use the Service.

2. Eligibility and where we operate

You must be at least 18 years old and able to form a binding contract. The Service is offered only to individuals and businesses located in the United States and is designed for United States federal and state tax recordkeeping. We do not offer the Service outside the United States. Each login belongs to one person; you may not share your credentials.

3. Electronic agreement and communications

You consent to receive these Terms, notices, disclosures, receipts and other communications from us electronically, including by email to the address on your account and within the Service, and you agree that they satisfy any legal requirement that such communications be in writing. Your electronic acceptance has the same force as a handwritten signature under the federal Electronic Signatures in Global and National Commerce Act and applicable state law. You may request a paper copy, or withdraw this consent, by emailing support@calqledg.com; withdrawing consent may require us to close your account. Keep your email address current; notices sent to it are deemed received.

4. calQledg is not tax, legal or accounting advice

calQledg is a recordkeeping tool. It helps you capture, categorize and organize business income and expenses and produces summaries, estimates and worksheets from the information you enter. calQledg does not prepare, review, sign or file tax returns, does not act as your tax preparer, accountant, attorney or fiduciary, and does not provide tax, legal, accounting or financial advice. Categories, deduction suggestions, mileage figures, estimated-tax amounts, and Schedule C and Schedule E figures are informational aids and worksheets to be verified, not forms ready to file. They may be incomplete or incorrect, including where the Service uses automated or artificial-intelligence processing. You are solely responsible for the accuracy of your records and of any return or filing you make. Consult a qualified tax professional before relying on any output.

5. Your account and security

You are responsible for the accuracy of your account information, for keeping your credentials confidential, and for all activity under your account. Notify us promptly at support@calqledg.com of any unauthorized access. We may require you to verify your identity before acting on a request about your account.

6. License to use the Service

Subject to these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own internal business recordkeeping. We may add, change, suspend or discontinue any feature at any time.

7. Your data

As between you and us, you own the records, receipts, documents and other content you submit (“Your Data”). You grant us a worldwide, royalty-free license to host, copy, process, transmit and display Your Data solely to provide, secure and support the Service for you, including the automated processing described in Section 8 and our Privacy Policy. You represent that you have the rights necessary to submit Your Data, including any information about your own customers, tenants, contractors or other third parties, and that our processing of it as described will not violate any law or anyone’s rights. We process such third-party information only on your behalf and at your direction.

Export. You may export your own raw entries at any time from a paid or Free account. A raw export contains what you entered or what your bank provided; it does not include categories or other figures generated by the Service. Self-service export is not available during a free trial. This does not limit any right you have under privacy law to request a copy of your personal information (see our Privacy Policy).

Retention and deletion. We keep Your Data as described in our Privacy Policy, including these rules: receipt files on the Free plan are kept through the end of the calendar month after the month you upload them; if your account has no activity for 24 months, we will email you deletion notices at 23 and 24 months and then delete your account data, and only a payment for a month of any paid plan stops a deletion once those notices have been sent; and tax documents we generate are kept with the rest of Your Data until your account is deleted. The Service is not a records-retention system of record; keep your own copies of any records the law requires you to keep.

8. Automated and AI features

Some features use automated processing, including artificial-intelligence services provided by third parties acting on our behalf, to read voice input, photos, PDFs and emails you send us and to suggest amounts, dates, vendors and categories. Our providers process that content only to perform the service for you and do not use it to train their models. Automated output can be wrong. Review every suggestion before you rely on it.

9. Plans, free month and automatic renewal

The Service is offered on a free plan (“Free”) and on paid plans, billed monthly or yearly, with optional add-ons such as additional businesses, team seats, and project or door packages. Current plans, features and prices are shown on our pricing page and at checkout before you pay. Add-ons renew on the same billing cycle as your plan and end when your plan ends. If your plan is billed through the App Store or Google Play, add-ons you buy on the web are billed on the web, on their own billing period; when that App Store or Google Play plan ends, they stop renewing, stay active until the end of the period you paid for, and then end.

Automatic renewal. PAID PLANS AND ADD-ONS RENEW AUTOMATICALLY AT THE END OF EACH BILLING PERIOD (MONTHLY OR YEARLY, AS YOU CHOSE) AND YOUR PAYMENT METHOD WILL BE CHARGED THE THEN-CURRENT PRICE, PLUS ANY APPLICABLE TAX, UNTIL YOU CANCEL. You authorize us, or the app store through which you subscribed, to charge your payment method on each renewal. If we increase a price, we will notify you by email at least 30 days before the increase takes effect, and you may cancel before it applies.

Free month. The Tax Ready plan may be offered with one free month (30 days) to an account that has never been on a paid plan or had a free month. When it is offered, you choose “Free month first” or “Pay now” before you buy; a free month is never added without your choice. A payment method is required to start a free month. UNLESS YOU CANCEL BEFORE THE FREE MONTH ENDS, IT WILL CONVERT TO THE PAID PLAN YOU SELECTED AND YOUR PAYMENT METHOD WILL BE CHARGED THE PRICE SHOWN WHEN YOU BOUGHT IT, AND THEN ON EACH RENEWAL, UNTIL YOU CANCEL. One free month is available per person; we may use your email address, payment method and account details to determine eligibility. Add-ons cannot be purchased during a free month. During a free month you may record entries dated on or after the day it began; earlier entries are not available.

10. Cancelling

You may cancel at any time, online, through the same channel you used to subscribe: web subscriptions in the Store section of your account, and App Store or Google Play subscriptions in your Apple or Google account settings. You can also turn automatic renewal off at any time with the auto-renew setting in the Store section of your account; turning it off, like cancelling, stops the next renewal, and you keep access through the end of the period you paid for. When an App Store or Google Play subscription ends, add-ons you bought on the web stop renewing; they stay active until the end of the period you paid for and are not refunded. You can also turn their renewal off yourself in the Store section of your account. When a paid plan ends, your account becomes a Free account as described in Section 13.

11. Refunds

Payments are not refunded, except where the law requires it. Renewal charges are never refunded. You can turn automatic renewal off, or cancel, at any time before a renewal (Section 10). How to ask for a refund the law requires, and how refunds work for purchases made through the Apple App Store or Google Play, is set out in our Refund Policy. If a refund is issued or a charge is reversed, your account becomes a Free account as described in Section 13.

12. Founders pricing

“Founders” is a launch offer available for a limited time and to a limited number of customers, which we may end at any time without notice. It is available only on the web and only on yearly items. On the first purchase you make under the offer (the “first cart”), every yearly item is discounted 30% (or 50% for beta testers we have invited by email), including your plan, additional businesses, team seats and packages, and that discounted price applies at each renewal, without any later price increase, for as long as you keep that item continuously. Yearly items you add later are discounted 15% from the price in effect when you add them. Founders discounts do not apply to monthly items. Upgrades take effect immediately and you pay the difference for the rest of the current year, discounted 15%; downgrades take effect at renewal. If you cancel, remove or let lapse any Founders item, its Founders price ends permanently. Founders purchases follow Section 11 (Refunds), and there is no second Founders first cart. The Founder badge has no cash value.

Reserving a Founders spot before launch. Before the Service opens to the public, you may reserve a Founders spot by giving us your email address. Reserving is free, requires no payment and does not create an account or a subscription. Founders spots are limited in number, and spots are held in the order requests are received. When the Service opens, we will email you to complete a first purchase under the offer. Your reservation holds your spot until you claim it or cancel it, for as long as the offer is available; it does not guarantee a price after the offer ends. A reservation is personal to the email address that made it, cannot be transferred, and may be cancelled by emailing us. We use the email address only to hold your reservation and to tell you about the launch.

13. Free plan, lapsed plans and failed payments

The Free plan includes one business and up to 15 new expense entries per calendar month, counted on the day each entry is added. When a paid plan ends for any reason, your account becomes a Free account. Everything already in your account stays, and you can view and export all of it. Your first business stays usable within the Free allowance. Every other business becomes read-only: you can view and export its records, but you cannot add, change or delete anything in it until you choose a plan that includes it. The same applies to a business an add-on paid for, once that add-on ends (Sections 9 and 10). Entries made while you were paying keep their paid status. If a renewal payment fails, paid features continue while our payment processor retries the charge; if the charge still fails, your plan ends.

Closing a business or a project also makes it read-only: you can view and export its records, but not add, change or delete anything until you reopen it.

14. Team members and accountants

The account owner may invite team members, up to five people in total including the owner, and may grant access to a licensed tax professional. People you invite act on your behalf; you are responsible for their use of the Service and for removing access you no longer want to grant. An accountant can see only what you authorize, until you revoke it, and calQledg is not responsible for any professional’s advice or services. An invitation can be accepted only while your account has a paid seat for it. If your paid plan lapses before an invitee accepts, the invitation cannot be accepted until a paid seat is available again.

15. Invoicing and online payments

If you accept online payment of your invoices through the Service, payment processing is provided by Stripe, Inc. and is subject to the Stripe Connected Account Agreement, which includes the Stripe Services Agreement; by enabling online payments you agree to it and authorize us to share information about you and your transactions with Stripe. calQledg charges a posting fee of $0.50 for each payment you receive online, with no cap and no minimum; Stripe’s processing fees are separate and passed through at cost. We record the posting fee as an expense in your books. calQledg does not hold or transmit your funds. You are responsible for the prices, taxes and sales-tax rates on your invoices and for remitting any tax you collect.

Invoices you have sent stay open only while the business that sent them is on a paid plan that includes invoicing. If that ends, because you cancel, because your plan or the add-on that paid for that business ends, or because a failed payment is not recovered, every unpaid invoice that business has sent is voided. A voided invoice can no longer be paid online, and any sales tax recorded for it is reversed. Drafts and paid invoices are not affected. While a failed payment is being retried, your invoices stay open. To keep sent invoices payable, keep your plan until they are paid.

16. Bank connections, location and other features

Bank connections. Bank connections are provided by Plaid Inc. By connecting an account you authorize us and Plaid to retrieve your account and transaction information, and you agree that your use of Plaid is governed by the Plaid End User Privacy Policy. You may disconnect at any time. Location. If you turn on automatic mileage, the Service uses your device’s location while a drive is being recorded. You can turn it off at any time. Mileage figures are estimates for you to review.

17. Acceptable use

You agree not to, and not to help anyone else to:

• use the Service for any unlawful, fraudulent or deceptive purpose, or record entries you know to be false;
• access or attempt to access accounts, records or systems that are not yours, or probe, scan or test the vulnerability of the Service;
• upload malware or interfere with or disrupt the Service or its infrastructure;
• copy, scrape, reverse engineer, resell or build a competing product from the Service, except as the law expressly permits;
• share your login, or create multiple accounts, emails or payment methods to obtain additional trials, discounts or promotions, or to avoid limits or fees;
• use automated means to submit entries in a way designed to avoid plan limits; or
• misrepresent your identity or your authority to act for a business.

We may investigate suspected violations and may suspend, limit or close any account involved, and cancel any benefit obtained through a violation, as described in Section 19.

18. Disclaimers and limitation of liability

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT ANY CATEGORIZATION, CALCULATION, ESTIMATE OR WORKSHEET WILL BE ACCURATE, COMPLETE OR SUITABLE FOR ANY TAX FILING.

TO THE FULLEST EXTENT PERMITTED BY LAW, SESAME BYTE LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, AGENTS AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA OR GOODWILL, OR FOR ANY TAX, PENALTY, INTEREST OR ADDITION TO TAX ASSESSED AGAINST YOU, EVEN IF ADVISED OF THEIR POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow certain exclusions or limitations, so some of the above may not apply to you; in that case our liability is limited to the fullest extent permitted.

19. Suspension, termination and indemnity

You may close your account at any time (see Account deletion). We may suspend, limit or terminate your access, with or without notice, if you breach these Terms, if your account presents a security, fraud or payment risk, if required by law, or if we discontinue the Service. Sections that by their nature should survive termination survive, including Sections 4, 7, 11, 18, 19 and 21. You will indemnify and hold harmless Sesame Byte LLC and its members, managers, employees and agents from any third-party claim, loss or expense (including reasonable attorneys’ fees) arising from your misuse of the Service, Your Data, or your breach of these Terms or of law.

20. Intellectual property and copyright complaints

The Service, including its software, design and the calQledg name and logo, is owned by Sesame Byte LLC and protected by intellectual-property laws; these Terms grant you no rights in our trademarks. If you send us feedback, we may use it without obligation to you.

We respond to notices of alleged copyright infringement under the Digital Millennium Copyright Act, 17 U.S.C. § 512. Send notices to our designated agent: Copyright Agent, Sesame Byte LLC, 1001 Bishop St Ste 2685A, Honolulu HI 96813, support@calqledg.com. A notice must include your physical or electronic signature; identification of the copyrighted work; identification of the material claimed to infringe and where it is located; your contact information; a statement that you have a good-faith belief the use is not authorized by the owner, its agent or the law; and a statement, under penalty of perjury, that the information is accurate and that you are authorized to act for the owner. We may remove material and will terminate repeat infringers in appropriate circumstances. Counter-notices may be sent to the same agent and must meet 17 U.S.C. § 512(g)(3).

21. Dispute resolution: arbitration and class-action waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND US TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND LIMITS HOW YOU CAN SEEK RELIEF.

21.1 Informal resolution. Before starting an arbitration or small-claims case, the party with a claim must send the other a written notice describing the claim and the relief sought (to us at 1001 Bishop St Ste 2685A, Honolulu HI 96813 and support@calqledg.com; to you at your account email), and the parties will try in good faith to resolve it for 60 days. Statutes of limitations are tolled during this period. This step is a condition of starting any proceeding.

21.2 Agreement to arbitrate. Except as provided in Sections 21.4 and 21.6, any dispute, claim or controversy arising out of or relating to these Terms or the Service, including its formation, scope or enforceability, will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules, in effect when the arbitration is filed. The Federal Arbitration Act governs this Section. The arbitrator may award any individual relief a court could award, and judgment on the award may be entered in any court of competent jurisdiction.

21.3 Fees and location. Payment of filing, administration and arbitrator fees will be governed by the AAA’s rules, under which the business pays most fees in consumer cases. The arbitration will take place by video or in the county where you live, unless both parties agree otherwise.

21.4 Class-action and jury-trial waiver. YOU AND WE MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING, AND YOU AND WE WAIVE ANY RIGHT TO A JURY TRIAL. If a court finds this waiver unenforceable as to a particular claim or request for relief (such as public injunctive relief), that claim or request will be severed and decided by a court after the individual claims are arbitrated, and the rest of this Section remains in effect.

21.5 Mass filings. If 25 or more similar claims are filed by or with the help of the same or coordinated counsel, the claims will be administered under the AAA Mass Arbitration Supplementary Rules, and the parties will cooperate in good faith to resolve them efficiently, including through the batching and process-arbitrator procedures those rules provide.

21.6 Exceptions. Either party may bring an individual claim in small-claims court if it qualifies and remains there, and either party may seek injunctive relief in court to protect its intellectual property or to stop unauthorized access to the Service.

21.7 Your right to opt out. You may opt out of this arbitration agreement by emailing support@calqledg.com within 30 days after you first accept these Terms, with your full name, account email and a statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

22. Governing law and venue

These Terms are governed by the laws of the State of Hawaii, without regard to its conflict-of-laws rules, and by the Federal Arbitration Act. For any matter not subject to arbitration, you and we consent to the exclusive jurisdiction of the state and federal courts located in Honolulu, Hawaii.

23. App store terms

If you download our app from the Apple App Store or Google Play, you also agree to that store’s terms. These Terms are between you and us, not Apple or Google. Apple and Google are not responsible for the app, its maintenance or support, or any claim relating to it, and have no obligation to provide maintenance or support. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you with respect to the iOS app.

24. Changes to these Terms

We may update these Terms. If a change is material, we will notify you by email or in the Service at least 30 days before it takes effect, except where a change is required by law or addresses a security issue. Changes do not apply retroactively. If you do not agree to a change, you may cancel before it takes effect; continuing to use the Service after that means you accept the updated Terms. Changes to Section 21 will not apply to any dispute of which we had notice before the change.

25. General

These Terms, together with the Privacy Policy and any terms presented at the point of a specific purchase or feature, are the entire agreement between you and us about the Service and supersede any prior agreements. If any provision is held unenforceable, it will be enforced to the maximum extent permissible and the rest will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, reorganization or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control. There are no third-party beneficiaries except as stated in Section 23. Headings are for convenience only.

26. Notice to California residents

Under California Civil Code § 1789.3, California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

27. Contact

Sesame Byte LLC
1001 Bishop St Ste 2685A, Honolulu HI 96813
support@calqledg.com