Legal
Effective: February 2026 · Last updated: February 2026
These Terms of Service (“Terms”) govern your access to and use of Living Ledger (the “Platform”). By creating an account or using the Platform in any way, you agree to these Terms in full. If you do not agree, do not use the Platform.
You must be at least 18 years old to use Living Ledger. By registering, you represent that you are 18 or older, that you will provide accurate information about yourself, and that you will maintain only one account per person.
Living Ledger is a peer-to-peer marketplace where community members post requests for help and offers of service. We facilitate transactions using a credit-based system (“Gratitude Credits”). Living Ledger does not itself provide any services listed by users and is not a party to agreements made between users.
Credits are sold at a rate of $1 USD per credit, with a minimum purchase of 5 credits. All credit purchases are processed through Stripe and are non-refundable. Only purchase credits you intend to use.
Purchased and earned credits never expire. They remain in your account for as long as your account is active. Accounts that remain inactive for more than 24 consecutive months may be subject to closure following 60 days' written notice to the email address on file. Any credits remaining at the time of account closure will be addressed in accordance with applicable law.
Credits earned by providing services are held in escrow during a 7-day safety window before becoming eligible for cashout. A 10% platform fee is deducted when escrow releases to the provider.
Earned credits (received through completed services) may be cashed out via Stripe. Payouts are delivered in your local currency (Stripe handles conversion). The minimum cashout amount is $20 USD equivalent. Cashout requests are reviewed by an admin within 24–48 hours. Purchased credits cannot be cashed out. Standard bank transfers are covered by Living Ledger at no additional cost to you. Instant payout options, if offered in the future, may carry a small fee disclosed at the time of the request. Cross-border transfers may incur a small Stripe fee (typically 0.25%) absorbed by the platform.
When a buyer agrees to a transaction, the agreed credit amount is placed into escrow. Credits are released to the service provider only after delivery is confirmed by the buyer, or after admin review if a dispute is raised. Providers receive 90% of the agreed amount (10% platform fee). Credits released in error are subject to administrative correction.
Living Ledger charges a 10% platform fee on all completed service transactions. This fee is automatically deducted when escrow releases. No additional fees are charged on earned credits at the time of standard cashout.
You may not use Living Ledger to:
Full conduct standards are in our Community Guidelines.
Disputes between buyers and sellers should first be attempted to be resolved between the parties via Platform messaging. If unsuccessful, either party may escalate to admin review from the order page within the dispute window. Admin decisions are final. Living Ledger is not liable for the outcome of user disputes or the quality of services exchanged between users.
You retain ownership of content you post. By posting, you grant Living Ledger a limited, non-exclusive, royalty-free license to display and transmit your content solely to operate the Platform. You represent that you have all necessary rights to any content you post and that it does not infringe third-party rights.
Living Ledger supports listings for physical goods (handmade items, art, collectibles, crafts, and similar tangible products) in addition to digital services. When a listing is marked as a physical item, the following terms apply:
Living Ledger is provided “as is” without warranties of any kind, express or implied. We do not guarantee the quality, safety, legality, or timely delivery of services listed by users. Use the Platform at your own risk.
To the maximum extent permitted by applicable law, Living Ledger and its operators shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Platform or any transaction between users. Our total liability to you shall not exceed the platform fees you paid in the 3 months preceding the claim.
You agree to indemnify and hold Living Ledger and its operators harmless from any claims, losses, damages, or legal fees arising from your use of the Platform, your violations of these Terms, or your interactions with other users.
We may update these Terms at any time. Material changes will be communicated by email or a prominent notice on the Platform at least 14 days before taking effect. Continued use after the effective date constitutes acceptance. We may suspend or terminate your account for violations of these Terms, at our discretion, with or without prior notice.
Questions about these Terms? support@livingledger.org