Version 1.1 · Effective July 6, 2026
FlagLedger is operated by LUUCKA INC, doing business as FlagLedger ("FlagLedger," "Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of flagledger.com and the related services, reports, and tools we provide (collectively, the "Service"). By accessing or using the Service, creating an account, or purchasing a report or subscription, you agree to be bound by these Terms. If you do not agree, do not use the Service.
FlagLedger provides two categories of service: (a) Automated Reports. Software-generated Financial Diagnostic and Loan Readiness reports produced using algorithmic and AI-assisted analysis of the financial data you provide. These reports are generated automatically based solely on the information you submit. (b) Expert Review. An optional, paid professional service in which members of the LUUCKA advisory team perform a human review of your financial information or of an existing FlagLedger report, and provide written observations. Expert Review is performed by people, is limited to the scope described at the time of purchase, and is delivered within the timeframe stated at purchase (typically within five business days of our receipt of all required documents). Completed reports and account information remain accessible to you for the retention period described in Section 7. The specific reports, plans, allowances, and services available, and their prices, are described on our website and may change over time.
Automated Reports are informational only. FlagLedger's automated Financial Diagnostic and Loan Readiness reports are produced by software from the information you provide. They are intended as a preparation and self-assessment tool and as general informational guidance only. They do not constitute, and must not be relied upon as, legal, accounting, tax, financial, investment, or lending advice. An Automated Report is not a pre-approval, credit decision, credit commitment, audit, audit opinion, attestation, valuation, or guarantee of any outcome, including loan approval, loan terms, or financing of any kind. FlagLedger is not a registered investment adviser, certified public accountant, auditor, law firm, bank, or lender, and no fiduciary, advisory, or professional relationship is created by your use of the Automated Reports. The analysis is based entirely on unverified information you provide. FlagLedger generates each report solely from the financial data and documents you submit. We do not audit, verify, validate, or independently confirm that information, and we do not guarantee its accuracy, completeness, or reliability. The data you provide is not audited or guaranteed data. You are solely responsible for the accuracy and completeness of everything you submit. Because all outputs depend entirely on your inputs, inaccurate, incomplete, or misstated data will produce inaccurate or misleading results, and you accept that risk. Outputs may also contain errors or omissions and are conservative and illustrative by design — they simulate how a lender or analyst might view the information provided, and are not a determination by any actual lender, regulator, or authority. You are responsible for your own decisions. You should not make any financial, borrowing, business, or other decision in reliance on an Automated Report alone. You are solely responsible for your own decisions and for engaging your own qualified professionals (such as a CPA, attorney, or licensed financial adviser) and your actual lender before acting. To the maximum extent permitted by law, FlagLedger and LUUCKA INC accept no responsibility or liability for any decision you make, or any action you take or do not take, based on an Automated Report or any other output of the Service. Expert Review is a limited professional service. Where you purchase an Expert Review, the LUUCKA advisory team provides written observations limited to the scope agreed at purchase, based on the information available to us at the time, which we likewise do not audit or guarantee. Expert Review reflects professional judgment, is not a guarantee of any financial or lending outcome, and does not create an ongoing advisory, fiduciary, audit, or attorney-client relationship unless separately agreed in writing.
You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself and any organization you represent. By using the Service you represent that you meet these requirements.
To use most features you must create an account with a valid email address and password. You are responsible for safeguarding your account credentials and for all activity under your account. Notify us promptly at info@flagledger.com if you suspect unauthorized access.
You retain ownership of the financial data and documents you upload. By using the Service, you grant FlagLedger a limited, non-exclusive license to process, store, and analyze your data solely to provide the Service to you, including generating reports and, where purchased, performing an Expert Review. We do not sell your financial data, and we do not use it for any purpose other than delivering the Service. Our handling of personal and financial data is described further in our Privacy Policy.
Completed reports are retained in your account for 90 days from the date they are generated, after which they may be removed. You are responsible for downloading or exporting any report you wish to keep. Free preview outputs are temporary and may be removed sooner. Our handling of data retention is described further in our Privacy Policy.
Payments are processed by our third-party payment processor, Stripe. The Service is offered through a combination of one-time purchases and recurring subscriptions, which may include: · Per-report purchases, charged at the time a report is generated; · Monthly subscription plans, which include a set allowance of reports per billing period and renew automatically each month until cancelled; · Add-on report packs, one-time purchases that add reports to your current billing period and do not roll over to the next period; and · Expert Review, charged at the time of purchase. The current plans, allowances, and prices are shown on our website and may change; we will give notice of material changes as required by law. Subscriptions renew automatically until you cancel. You may cancel at any time, and cancellation takes effect at the end of the current billing period; you retain access to your plan's features through the end of that period. Where a report fails to generate due to an error on our part, we will refund the applicable charge. Except as stated here or as required by law, payments for completed reports and delivered services are non-refundable.
You agree not to: use the Service for any unlawful purpose; submit data you do not have the right to provide, or fabricated or fraudulent data; attempt to reverse-engineer, scrape, or extract the Service's software, algorithms, models, or prompts; resell, redistribute, or sublicense reports without our written permission; or use the Service to harass, defraud, or harm others or to violate the rights of any third party.
The Service, including its software, design, algorithms, models, prompts, templates, methodologies, and branding, is owned by LUUCKA INC and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the reports we generate for you for your own personal or business purposes. These Terms do not transfer any ownership of the Service to you.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or that any report or output will be accurate, complete, or suitable for any particular purpose. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL LUUCKA INC OR ITS OFFICERS, EMPLOYEES, CONTRACTORS, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL LUUCKA INC'S TOTAL AGGREGATE LIABILITY EXCEED THE TOTAL AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
You agree to indemnify and hold harmless LUUCKA INC and its officers, employees, contractors, and partners from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, the data you submit, or your violation of these Terms or of any law or third-party right.
We may suspend or terminate your access to the Service if you violate these Terms or use the Service in a manner that may cause harm or legal liability. You may cancel your account or subscription at any time. Upon termination, your right to use the Service ends; subscription access continues through the end of the current billing period, and reports remain subject to the retention period in Section 7.
These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of those courts.
We may update these Terms from time to time. If we make material changes, we will notify you by email or through a notice within the Service. Your continued use of the Service after the changes take effect constitutes acceptance of the updated Terms.
LUUCKA INC dba FlagLedger Email: info@flagledger.com Web: flagledger.com