Terms of Service
Last updated: July 2026
These terms are a binding agreement between you and Hiurda's Holistic Agency, the operator of SoloLedger. By creating an account or using the service you accept them. Please also read our Privacy Policy, which explains how your data is handled.
1. Who provides the service
SoloLedger is operated by Hiurda's Holistic Agency, Route de Blessens 3, CH-1675 Vauderens, Switzerland ("we", "us"). You can reach us through the contact options listed in the app and in the legal notice (impressum).
2. What SoloLedger is
SoloLedger is a bookkeeping layer for one-person businesses. Your ledger — invoices, expenses, receipts and related records — is stored in your own Google Sheets and Google Drive; SoloLedger reads and writes it there and does not keep a hosted database of your books. The service includes invoicing (including Swiss QR-bills), expense capture, optional receipt reading via Google Gemini, bank statement matching, charts, and indicative Swiss tax estimates. We continuously improve SoloLedger and may add, change or discontinue individual features, provided the overall character of the paid service is preserved.
3. Your account
You sign in with a Google account and must grant the Google permissions the service needs to operate (Sheets and Drive file access; Gemini access is optional). You are responsible for keeping your Google account secure and for all activity that occurs through it. SoloLedger is intended for business use by self-employed persons and small businesses. You must be of legal age and legally capable of entering into this agreement.
4. Subscriptions, trials and payment
SoloLedger is a paid subscription, billed monthly or annually through our payment provider Stripe. Prices are shown before you subscribe. Where a free trial is offered, no payment method is required to start: the trial simply ends unless you add one before it expires — there is no automatic charge. With a payment method on file, the subscription starts automatically at the end of the trial unless you cancel first. Promotional prices (such as early-bird offers) apply under the conditions shown at the time of purchase. We may change prices for future billing periods; we will notify you in advance, and the change applies from your next renewal. If a payment fails and remains unpaid after a reasonable retry period, we may suspend access to paid features until payment is settled.
5. Cancellation and refunds
You can cancel your subscription at any time via the billing portal in the app. Cancellation takes effect at the end of the paid period already started; access continues until then. Except where mandatory law provides otherwise, fees already paid are not refunded for partial periods. A free trial without a payment method simply expires at no cost; if one is on file, cancel before the trial ends to avoid the first charge.
6. Your responsibilities
You agree to use SoloLedger lawfully and only for its intended purpose. You are responsible for the accuracy and completeness of the data you record — SoloLedger is a tool, not a substitute for your legal bookkeeping and tax obligations. You may not abuse the service, attempt to gain unauthorised access, disrupt its operation, resell it without our consent, or use API keys beyond reasonable fair use. We may apply technical limits (such as rate limits) to protect the service.
7. Your data stays yours
The business records you keep with SoloLedger live in your own Google account and remain yours. You can export your data at any time and you keep your Google Sheets and Drive files even if you stop using SoloLedger. We store only the minimum needed to run the service — such as encrypted Google access tokens, billing status and API-key hashes — as described in the Privacy Policy. When your account ends, we delete these server-side records; the files in your Google account are untouched and remain with you.
8. Tax estimates are indicative only
Tax figures, thresholds, alerts, optimization suggestions and AI-generated answers shown by SoloLedger are simplified, indicative estimates. They are not tax, legal or accounting advice, and actual obligations can differ. Always verify important figures with your trustee (fiduciaire/Treuhänder) or the competent authorities before relying on them. We accept no responsibility for decisions made solely on the basis of these estimates.
9. Availability and third-party services
We operate SoloLedger with reasonable skill and care but do not guarantee uninterrupted or error-free availability. The service depends on third-party platforms — in particular Google (Sheets, Drive, Gemini) and Stripe — whose availability, terms and technical changes are outside our control. We may temporarily restrict availability for maintenance or security reasons and will keep such interruptions as short as reasonably possible.
10. Liability
To the extent permitted by Swiss law, we are liable only for damage caused by our intent or gross negligence. Liability for slight negligence, for indirect or consequential damage (including lost profits and loss of data caused by third-party services), and for auxiliary persons is excluded. Where liability cannot be excluded, it is limited in total to the subscription fees you paid in the twelve months preceding the event. Mandatory statutory liability remains unaffected.
11. Termination
You may stop using SoloLedger at any time (see section 5 for the effect on paid periods). We may suspend or terminate your access with immediate effect if you materially breach these terms, if required by law, or if continued operation would put the service or other users at risk; where reasonable, we will warn you first. Sections that by their nature survive termination (in particular sections 8, 10 and 12) remain in force.
12. Changes to these terms
We may amend these terms with effect for the future, for example when features, legal requirements or prices change. For material changes we will notify you in advance in the app or by email; if you do not agree, you may cancel before the change takes effect. Continued use after the effective date constitutes acceptance.
13. Governing law and jurisdiction
These terms are governed by Swiss substantive law, excluding conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods. The exclusive place of jurisdiction is the registered seat of Hiurda's Holistic Agency, subject to mandatory statutory venues (in particular for consumers).
If these terms are made available in several languages, the English version prevails in case of discrepancies. Should individual provisions be invalid, the remaining provisions stay in force.