1. Transactional Email Only

LedgerNotify exclusively processes system-generated transactional emails triggered by verified financial events. A transactional email is defined as a message sent to an individual who has an active, registered account and is sent as a direct result of a specific action taken by or affecting that account holder. Examples of permitted email types include:

• Invoice delivery and payment request notifications
• Payment confirmation and receipt emails
• Billing reminders for upcoming or overdue balances
• Subscription renewal alerts and plan change confirmations
• Failed payment notifications and retry alerts
• Monthly account statements and balance summaries
• Tax document availability notifications (1099, W-2, VAT)
• Account security alerts related to billing access

No other email types are permitted. Marketing campaigns, newsletters, cold outreach, and promotional blasts are strictly prohibited.

2. Recipient Requirements

2.1 Active Registered Accounts

All recipients of emails sent through LedgerNotify must be existing customers with active registered accounts on the sending platform. Emails may not be sent to:

• Purchased, rented, leased, or scraped email lists
• Individuals who have not registered an account with the sender
• Contacts obtained from third-party lead generation services
• Anyone who has not provided explicit consent for account creation

2.2 Double Opt-In Requirement

LedgerNotify requires that all recipient accounts be created through a double opt-in process. This means:

• The individual voluntarily initiates the account creation process
• A verification email is sent to confirm the email address
• The individual clicks the verification link to confirm the address
• Consent is recorded with timestamp, IP address, and user agent
• Transactional email delivery only commences after verification is complete

2.3 Consent Documentation

Senders must maintain records of consent for each recipient and must be able to produce these records upon request by LedgerNotify's compliance team, regulators, or in response to a valid legal process. Consent records must include the date and time of opt-in, the method of consent collection, and the version of the privacy policy presented at the time of registration.

3. Prohibited Activities

4. Deliverability Standards

4.1 Bounce Rate

LedgerNotify maintains a platform-wide bounce rate SLA of under 2%. Individual sender accounts that consistently produce bounce rates above 2% will receive automated warnings and may have sending paused pending list hygiene review. Hard bounces are auto-suppressed within 60 seconds of bounce receipt.

4.2 Complaint Rate

The platform maintains a complaint rate SLA of under 0.1%. This is enforced via FBL (Feedback Loop) integration with major ISPs including Gmail, Yahoo, and Outlook. Accounts exceeding 0.1% complaint rate will receive immediate notice. Accounts reaching 0.5% will be suspended pending review.

4.3 Suppression List Management

LedgerNotify maintains automated suppression lists including hard bounces, spam complaints, and manual unsubscribe requests. These lists are enforced at the infrastructure level — suppressed addresses cannot be emailed regardless of the sending request. Suppression lists are synced in real-time and can be retrieved via API.

5. Complaint Handling

Upon receipt of a spam complaint, LedgerNotify will:

1. Immediately suppress the complaining recipient from all future sends
2. Notify the account holder via webhook and email within 15 minutes
3. Log the complaint in the audit trail with ISP source and timestamp
4. Review the sending account if complaint rate approaches threshold
5. Initiate formal review if complaint rate exceeds 0.1%

6. Policy Enforcement

Violation of this Email Sending Policy may result in: temporary sending suspension, permanent account termination, forfeiture of prepaid credits, and reporting to relevant authorities where required by law. LedgerNotify reserves the right to audit any account at any time to verify compliance with this policy.

1. Information We Collect

LedgerNotify, Inc. ("LedgerNotify," "we," "our," or "us") collects information to provide transactional email infrastructure services to our business customers ("Customers") and to ensure the platform is used only for permitted transactional purposes.

1.1 Account Information

When you register for a LedgerNotify account, we collect: name, business email address, company name, business address, EIN/tax identification (for enterprise billing), and payment method information processed by our PCI-compliant payment processor.

1.2 Usage Data

We collect data about emails sent through our platform including: timestamps, recipient account identifiers (not email addresses stored in our system), template IDs, delivery events, bounce events, and complaint events.

1.3 Technical Data

We collect IP addresses, API key usage logs, browser/SDK version data, and connection metadata for security and abuse prevention purposes.

2. How We Use Information

We use collected information to: provide and maintain the transactional email infrastructure service, enforce our Email Sending Policy and Acceptable Use Policy, detect and prevent abuse of our platform, comply with legal obligations, and communicate with you about your account and service changes.

3. Data Retention

Email event logs are retained for 7 years by default (configurable for Enterprise accounts) to support financial compliance requirements. Account information is retained for the duration of the customer relationship plus 5 years. You may request deletion of data subject to our legal retention obligations.

4. GDPR Rights

If you are located in the European Economic Area, you have rights under GDPR including access, rectification, erasure, restriction, portability, and objection. To exercise these rights, contact privacy@ledgernotify.com. We will respond within 30 days.

5. Data Security

We implement AES-256 encryption at rest, TLS 1.3 in transit, access controls, audit logging, and regular security assessments. In the event of a data breach affecting your account, we will notify you within 72 hours as required by applicable law.

6. Contact

Privacy inquiries: privacy@ledgernotify.com
LedgerNotify, Inc., 3920 Financial District Way, Suite 1400, San Francisco, CA 94105

1. Service Description

LedgerNotify provides transactional email delivery infrastructure to businesses for the purpose of sending system-generated financial notification emails to their verified account holders. The service is strictly limited to transactional email and does not include, permit, or support marketing email, cold outreach, newsletters, or bulk unsolicited messaging.

2. Account Registration

You must provide accurate business information, including a valid business entity name, tax identification number (for Enterprise), and business email address. You are responsible for maintaining the confidentiality of your API keys. You must notify us immediately of any unauthorized use at security@ledgernotify.com.

3. Permitted Use

You may only use LedgerNotify to send transactional emails to individuals who have: (a) registered an account with your platform, (b) confirmed their email address through double opt-in verification, (c) consented to receive transactional communications during account registration, and (d) not been suppressed from receiving communications.

4. Prohibited Use

The following are strictly prohibited: sending unsolicited email of any kind, using purchased, rented, scraped, or third-party email lists, sending marketing or promotional content, circumventing suppression lists, misrepresenting the transactional nature of emails, and using the platform for any purpose that violates applicable law.

5. Service Level Agreement

LedgerNotify commits to 99.9% uptime on Starter, 99.95% on Growth, and 99.99% on Enterprise tiers. Bounce rate SLA is under 2%. Complaint rate SLA is under 0.1%. In the event of an SLA breach, customers may request service credits per the SLA policy.

6. Termination

We may suspend or terminate your account immediately and without notice for violations of our Email Sending Policy or Acceptable Use Policy. LedgerNotify is not liable for any damages arising from account termination due to policy violation. You may terminate your account at any time by contacting support.

7. Limitation of Liability

LedgerNotify's liability to you is limited to the amount paid for the service in the 12 months preceding the claim. We are not liable for indirect, consequential, or incidental damages. This limitation applies to the fullest extent permitted by law.

8. Governing Law

These Terms are governed by the laws of the State of Delaware, United States. Disputes shall be resolved by binding arbitration in San Francisco, California, except where prohibited by law.

1. Purpose

This Acceptable Use Policy ("AUP") defines the boundaries of permissible use of the LedgerNotify transactional email infrastructure platform. Compliance with this AUP is a condition of service. Violations may result in immediate account suspension without refund.

2. Acceptable Use

You may use LedgerNotify solely to send the following types of transactional emails to your verified account holders:

• Invoice and billing notifications triggered by a financial transaction
• Payment confirmations and receipts sent immediately upon payment capture
• Billing reminders sent within 30 days of a due date
• Failed payment alerts sent immediately upon payment failure
• Subscription renewal notifications sent within 45 days of renewal
• Account statements sent on a predetermined billing cycle
• Tax document notifications sent during applicable tax periods
• Account security alerts directly related to billing or payment access

3. Unacceptable Use

The following uses are expressly prohibited and will result in immediate termination:

• Sending any email that is not directly triggered by a financial transaction
• Using email lists not derived from your own registered customer base
• Sending promotional, marketing, or advertising content of any kind
• Cold emailing or prospecting to non-customers
• Sending newsletters, digests, or content marketing
• Re-engagement campaigns to former customers who have not re-registered
• Using the platform to launder sending reputation
• Attempting to circumvent bounce or complaint handling systems
• Sending on behalf of third parties without disclosure
• Violating CAN-SPAM, GDPR, CASL, or any applicable law

4. Compliance Monitoring

LedgerNotify continuously monitors delivery metrics across all accounts. Accounts with anomalous bounce rates, complaint rates, or sending patterns are subject to automatic review holds. Our compliance team may request documentation of recipient consent at any time.

5. Reporting Violations

To report a violation of this AUP, contact abuse@ledgernotify.com. Include the full email headers of any suspected policy-violating message. We investigate all reports within 24 hours.

1. Our Spam Prevention Architecture

LedgerNotify operates exclusively as a transactional email infrastructure. Unlike general-purpose email platforms, we do not offer marketing email tools, list management features, campaign builders, or any functionality that would enable bulk unsolicited messaging. This is an architectural decision made to protect recipients and maintain the highest possible deliverability standards.

2. Technical Controls

We implement the following technical controls to prevent spam:

• Account verification: All LedgerNotify accounts are manually reviewed by our compliance team before activation
• Recipient verification: Every send request is validated against the sender's registered account holder database via API
• Double opt-in enforcement: Recipients must have completed double opt-in verification to be eligible for email delivery
• Real-time suppression: Hard bounces, complaints, and unsubscribes are suppressed within 60 seconds
• Volume anomaly detection: ML models flag unusual sending spikes for human review
• Pattern analysis: High complaint or bounce rates trigger automated account holds
• FBL integration: Feedback loop data from major ISPs is processed in real-time

3. CAN-SPAM Compliance

All emails sent through LedgerNotify must comply with the CAN-SPAM Act. Transactional emails that contain any promotional content lose their transactional exemption and are subject to the full requirements of CAN-SPAM. LedgerNotify enforces transactional content purity through template review and monitoring.

4. GDPR Compliance

For emails sent to data subjects in the European Union, senders must have a valid lawful basis for processing (typically contractual necessity for transactional emails). LedgerNotify requires senders to maintain records of consent and to honor erasure requests. We provide APIs for consent and suppression management to support these obligations.

5. Complaint Handling

Recipients who believe they have received an unsolicited email from a LedgerNotify customer may report it to abuse@ledgernotify.com. We will: acknowledge receipt within 4 business hours, investigate within 24 hours, suppress the recipient immediately upon complaint receipt, and take action against the sending account if a violation is found. Complaints are never ignored.

6. Penalties for Spam

Any customer found to have used LedgerNotify for spam will face: immediate account suspension, forfeiture of prepaid credits, permanent ban from the platform, and where required by law, referral to relevant authorities. We cooperate fully with law enforcement investigations involving email abuse.