Terms of Service

Punch Ledgerprovides a cloud-based job cost tracking platform for contractors, including tools for expense management, invoicing, payroll tracking, bank reconciliation, and financial reporting (“the Service”). The Service is provided “as a service” via a subscription and is accessed through a web browser.

We may update, modify, or discontinue features of the Service at any time. We will give you reasonable advance notice of any material change that negatively affects your use.

You must be at least 18 years old and have the legal authority to enter into a binding contract to use the Service. By registering, you represent that these conditions are met.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@punchledger.com if you suspect unauthorised access.

You may not share your account or allow others to access the Service using your credentials. Each individual user must have their own account.

Access to the full Service requires a paid subscription. Plan details, pricing, and feature inclusions are described on our pricing page and may change with notice.

Billing. Subscriptions are billed in advance on a monthly or annual basis. Payment is processed by Stripe. By providing payment details, you authorise us to charge the applicable subscription fee on each renewal date.

Upgrades and downgrades. Plan upgrades take effect immediately with a prorated charge. Plan downgrades take effect at the end of the current billing period.

Plan features and limits. We reserve the right to add, remove, or modify the features, usage limits, and entitlements included in any subscription plan at any time. We will provide reasonable advance notice of material changes. Your continued use of the Service after the effective date of a plan change constitutes acceptance of the updated plan terms. If a change materially reduces the functionality you rely on, you may cancel your subscription as described in Section 4.

California residents — automatic renewal disclosure. Pursuant to California Business and Professions Code § 17600 et seq., the following automatic-renewal terms apply to California subscribers: Your paid subscription will automatically renew at the end of each billing period (monthly or annual, as selected) at the then-current price for your plan unless you cancel before the renewal date. The charge will be applied to the payment method on file. For annual subscriptions, we will send a reminder email at least 15 days before the renewal date stating the amount to be charged and the cancellation deadline. You may cancel at any time through your account settings page or by emailing support@punchledger.com. Cancellation stops future charges; no refund is issued for the current period except where required by law.

Taxes. Subscription prices are exclusive of applicable taxes. You are responsible for any sales tax, VAT, GST, or similar taxes applicable in your jurisdiction.

Failed payments. If a payment fails, we will retry it and notify you by email. If the payment is not resolved within 7 days, your account may be suspended until payment is made.

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period; you retain access to the Service until then.

We do not provide refunds for partial billing periods, except where required by applicable law. If you believe you were charged in error, contact us within 30 days of the charge at support@punchledger.com.

Upon cancellation, your data is retained for 90 days to allow export or re-activation, then permanently deleted. See our Privacy Policy for more detail.

All financial data, documents, and business information you upload or enter into the Service (“Your Data”) remains yours. You grant us a limited licence to store, process, and display Your Data solely to provide and operate the Service on your behalf.

We do not sell Your Data or disclose it to third parties except as described in our Privacy Policy. We do not permit third-party AI providers to use Your Data to train their general-purpose models; see Section 6 (“AI Features”) for how Your Data is used when you use an AI Feature.

You are responsible for ensuring that Your Data does not violate any third-party rights or applicable laws, and that you have the authority to upload it.

The Service includes features that use artificial intelligence and machine learning (“AI Features”) to assist you, including generating or auto-filling documents (e.g., invoices, estimates, contracts), extracting data from photos or scanned documents (e.g., receipts, invoices), a conversational assistant, and automated financial analysis, categorisation, or anomaly detection.

Human review required. AI Features are provided as a productivity aid, not a substitute for your own judgment. AI-generated or AI-extracted content may be incomplete, inaccurate, or inappropriate for your situation. You are solely responsible for reviewing, verifying, and correcting any output of an AI Feature before you rely on it, send it to a third party (including customers, subcontractors, lenders, or government agencies), or use it to make a financial, legal, or business decision. Do not treat any AI Feature output as professional advice.

No professional advice. AI Features do not provide legal, tax, accounting, engineering, or safety advice, and nothing generated by an AI Feature should be treated as such. Where a decision requires professional judgment (e.g., contract terms, tax treatment, structural or safety matters), consult a qualified, licensed professional.

Accuracy and errors. We do not warrant that AI Feature output will be accurate, complete, or error-free, or that data extraction (e.g., OCR) will correctly capture every field from a source document. Errors in AI-generated figures, extracted data, or auto-filled documents may occur and can compound if not caught before use (e.g., an invoice sent to a customer, a payroll figure, a filed compliance document).

Third-party AI providers. Some AI Features are powered by third-party AI model providers acting as sub-processors. Data you submit to an AI Feature may be transmitted to these providers solely to generate the output you requested, subject to the terms in our Privacy Policy. We do not permit these providers to use Your Data to train their general-purpose models, consistent with Section 5 (“Your Data”).

Our right to modify or discontinue. We may modify, limit, or discontinue any AI Feature, or change the underlying model or provider, at any time, including where necessary for legal, safety, or cost reasons.

The Service provides template documents for convenience, including business and contract templates (e.g., proposals, change orders, estimates, lien waivers), general business and administrative forms, and safety or compliance-related checklists and forms (“Templates”).

Templates are a starting point, not advice.Templates are provided “as is” for general informational and convenience purposes only. They are not legal, tax, accounting, engineering, or safety advice, and are not a substitute for review by a qualified, licensed professional (e.g., an attorney, licensed engineer, accountant, or safety officer) appropriate to your jurisdiction and trade.

No warranty of legal or regulatory compliance. We do not warrant that any Template complies with applicable federal, state, local, or industry-specific laws, codes, regulations, or standards (including OSHA or other workplace safety requirements) in your jurisdiction, or that it is suitable for your specific project, trade, or circumstances. Laws and regulatory requirements vary by location and change over time; you are responsible for confirming a Template meets current requirements before you use it.

Safety and compliance templates.Templates relating to job-site safety or regulatory compliance are provided as a general starting point only. They do not replace a site-specific safety plan, a qualified safety professional’s review, or your own compliance obligations as an employer or contractor. Using a Template does not by itself establish compliance with any law, code, or regulation, and does not shift your legal responsibility for job-site safety to us.

Your responsibility. Before using any Template — and before relying on it for a safety-critical, regulatory, or legally binding purpose — you must review and, where appropriate, have it reviewed by a qualified professional and adapt it to your specific project, jurisdiction, and circumstances. You assume all risk arising from your use of, modification to, or reliance on any Template.

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorised access to any part of the Service or its infrastructure.
• Introduce viruses, malware, or other harmful code.
• Scrape, crawl, or reverse-engineer any part of the Service.
• Resell, sublicense, or provide the Service to third parties without our written consent.
• Use the Service to store, transmit, or distribute content that is illegal, defamatory, or infringes third-party intellectual property rights.
• Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.
• Rely on AI Feature output or a Template as a substitute for required professional, legal, or safety review, or represent to a third party (including regulators or customers) that AI-generated or auto-filled content has been independently verified when it has not.

We may suspend or terminate your account without notice if we determine you have violated these rules.

The Service, including its software, design, branding, and content (excluding Your Data), is owned by Punch Ledger and protected by copyright, trademark, and other intellectual property laws. Nothing in these Terms grants you any ownership interest in the Service.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for your internal business purposes during your subscription term.

The Service integrates with third-party providers including Stripe (payments) and Amazon Web Services (infrastructure). Your use of those services is also subject to their own terms and privacy policies. We are not responsible for the practices or content of third-party services.

If a sub-processor such as AWS or Stripe suffers a security incident or data breach that affects Your Data, we will cooperate with the incident investigation and notify affected users in accordance with our Privacy Policy. We are not liable for security incidents, data losses, or service outages caused by third-party providers.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Punch Ledger does not warrant that the Service will be uninterrupted, error-free, or free of viruses. Financial figures generated by the Service (reports, dashboards, payroll calculations) are based solely on the data you enter; they are not a substitute for professional accounting or tax advice.

AI FEATURE OUTPUT AND TEMPLATES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ACCURACY, COMPLETENESS, LEGAL SUFFICIENCY, OR FITNESS FOR A PARTICULAR PURPOSE. YOU ARE SOLELY RESPONSIBLE FOR REVIEWING AND VERIFYING ANY AI-GENERATED CONTENT, EXTRACTED DATA, OR TEMPLATE BEFORE USE OR RELIANCE, INCLUDING BY A QUALIFIED PROFESSIONAL WHERE APPROPRIATE.

WE DO NOT GUARANTEE ANY SPECIFIC LEVEL OF UPTIME OR SERVICE AVAILABILITY. NO SERVICE LEVEL AGREEMENT (SLA) IS PROVIDED UNLESS SEPARATELY AGREED IN A WRITTEN AGREEMENT SIGNED BY AN AUTHORISED OFFICER OF PUNCH LEDGER. SCHEDULED AND UNSCHEDULED MAINTENANCE MAY RESULT IN TEMPORARY UNAVAILABILITY.

Punch Ledgeris not liable for delays or failures in performance caused by events outside our reasonable control, including but not limited to natural disasters, acts of war or terrorism, pandemics, government action, telecommunications or internet infrastructure failures, or third-party distributed denial-of-service (DDoS) attacks (“Force Majeure Events”). Our obligations are suspended for the duration of the Force Majeure Event.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PUNCH LEDGER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) USD $100.

FOR THE AVOIDANCE OF DOUBT, THE LIMITATION IN THIS SECTION APPLIES TO ANY CLAIM ARISING FROM A SECURITY INCIDENT, DATA BREACH, OR UNAUTHORISED ACCESS TO YOUR DATA, WHETHER CAUSED BY OUR OWN SYSTEMS OR BY A THIRD-PARTY SUB-PROCESSOR. IN NO EVENT SHALL OUR LIABILITY FOR A SECURITY INCIDENT EXCEED THE CAP SET FORTH ABOVE.

THE LIMITATION IN THIS SECTION ALSO APPLIES TO ANY CLAIM ARISING FROM (A) INACCURATE, INCOMPLETE, OR ERRONEOUS OUTPUT OF AN AI FEATURE (INCLUDING GENERATED DOCUMENTS, EXTRACTED DATA, OR AUTOMATED ANALYSIS), OR (B) YOUR USE OF, MODIFICATION TO, OR RELIANCE ON ANY TEMPLATE, INCLUDING SAFETY OR COMPLIANCE TEMPLATES. IN NO EVENT SHALL OUR LIABILITY FOR SUCH CLAIMS EXCEED THE CAP SET FORTH ABOVE.

You agree to indemnify, defend, and hold harmless Punch Ledger and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from (a) your use of the Service, (b) Your Data, (c) your violation of these Terms or any applicable law, or (d) your use of, reliance on, or distribution of any AI Feature output or Template, including any failure to have such output or Template reviewed by a qualified professional before use.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law provisions.

Any dispute arising from these Terms or the Service shall first be submitted to informal negotiation by emailing legal@punchledger.com. If not resolved within 30 days, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association, conducted in English in the State of Delaware, except that either party may seek injunctive relief in a court of competent jurisdiction.

You waive any right to participate in a class-action lawsuit or class-wide arbitration.

We may update these Terms at any time. We will notify you of material changes by email and by updating the effective date above. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may cancel your subscription.

Either party may terminate the relationship at any time. You may cancel your subscription at any time as described in Section 4. We may terminate or suspend your account immediately if you materially breach these Terms or if required by law.

Sections 5, 6, 7, 9, 11, 12, 13, and 14 survive any termination of these Terms.

Questions about these Terms? Reach us at: