Terms for using BNI Ledger chapter operations and dues collection software.

These Terms of Service are a legal agreement between you and the operator of BNI Ledger. By accessing or using BNI Ledger, creating an account, signing in, connecting a Stripe account, sending invoices, paying an invoice, or otherwise using the service, you agree to these terms.

If you use BNI Ledger on behalf of a chapter, company, organization, or third-party payer, you represent that you have authority to accept these terms for that organization and to bind that organization to these terms.

If you do not agree to these terms, do not use BNI Ledger.

BNI Ledger is a web-based chapter operations and payment tracking app for BNI-style networking groups. The service may include chapter setup, member records, dues configuration, invoice generation, payment links, payment tracking, receipts, simple reporting, speaker rotation tracking, third-party payer workflows, and administrative dashboards.

BNI Ledger is not a bank, money transmitter, accounting firm, law firm, tax adviser, financial adviser, or official chapter governance authority. BNI Ledger provides software tools; chapters remain responsible for chapter decisions, dues policies, records, tax treatment, refunds, disputes, and compliance obligations.

BNI Ledger is an independently created software application. It is not created by, endorsed by, sponsored by, approved by, or affiliated with Business Network International (BNI) or any BNI franchise, region, or chapter unless a written agreement says otherwise. References to BNI-style chapters are descriptive only. BNI and related names, marks, and trademarks belong to their respective owners.

Users may not state or imply that BNI Ledger is officially endorsed, sponsored, approved, affiliated with, or operated by Business Network International (BNI) unless that relationship has been verified and authorized in writing.

Users may need an account to access BNI Ledger. Users are responsible for keeping login credentials secure, maintaining accurate account information, and promptly notifying BNI Ledger or chapter administrators of suspected unauthorized access.

Chapter administrators are responsible for assigning appropriate roles and permissions. Access should be limited to people with a legitimate chapter, member, payer, or administrative need.

BNI Ledger may suspend or restrict access if it reasonably believes an account is compromised, being misused, creating risk, violating these terms, or causing harm to the service or other users.

Chapters and their authorized administrators are responsible for how they configure and use BNI Ledger. This includes the following responsibilities:

• Confirm that the chapter is authorized to use BNI Ledger and to invite users, members, administrators, and third-party payers.
• Enter accurate chapter details, dues amounts, due dates, member information, invoice details, payment requests, and speaker rotation information.
• Maintain appropriate access controls and remove users who no longer need chapter access.
• Comply with applicable chapter policies, tax, accounting, consumer protection, privacy, payment, and recordkeeping obligations.
• Review payment and invoice information before sending payment requests or collecting dues.
• Handle member disputes, refunds, credits, offline payments, and chapter-specific dues decisions unless BNI Ledger expressly agrees otherwise in writing.

Members and third-party payers may use BNI Ledger to view invoices, pay dues or event charges, save payment method preferences when available, enable payer workflows, receive receipts, and manage payment-related information for authorized chapter invoices.

By paying through BNI Ledger, the payer confirms that they are authorized to use the payment method and to pay the applicable invoice. Payers are responsible for reviewing the invoice amount, fees, payment method, and any autopay or saved-card settings before confirming payment.

Third-party payer access does not transfer chapter membership rights or chapter administration rights unless separately granted by the chapter through the service.

BNI Ledger pricing and transaction fees are shown below based on the current product documentation and application fee configuration. Fees are listed in U.S. dollars unless otherwise stated.

Current payment logic also calculates Stripe card processing at 2.9% plus $0.30 per online card payment. Online card payers may be charged the invoice amount plus the applicable BNI Ledger transaction fee and Stripe processing fee. BNI Ledger calculates the total charge so the chapter receives the invoice principal.

Chapters are responsible for reviewing whether fees are properly disclosed to members or third-party payers under applicable law and chapter policy. Placeholder to verify before launch: final refund policy, taxes, chargeback handling, and whether any special chapter or regional fee arrangements apply.

BNI Ledger uses Stripe for online card payments, Stripe Connect account setup, stored payment method workflows, and platform subscription billing. Stripe may require users or chapters to accept Stripe terms, complete onboarding, verify identity, provide business information, and comply with Stripe rules.

BNI Ledger may create payment intents, setup intents, payment links, customer records, connected-account records, and subscription checkout sessions through Stripe. BNI Ledger may receive and store Stripe-generated identifiers and limited payment metadata needed to update payment status, receipts, reports, and records.

Stripe may decline, hold, reverse, review, or delay payments under its own rules. BNI Ledger is not responsible for Stripe outages, Stripe account restrictions, payment network decisions, bank delays, chargebacks, or disputes outside BNI Ledger’s direct control.

Paid BNI Ledger plans are billed as platform subscriptions through Stripe. Based on current product behavior, a chapter may subscribe to Pro or Enterprise, and cancellation is scheduled at the end of the current billing period. When a paid subscription ends, the chapter may revert to the Starter plan.

Unless a separate written agreement says otherwise, subscription fees are charged in advance and are not automatically prorated or refunded. Placeholder to verify before launch: final refund rules, upgrade/downgrade proration, free-trial language if any, and renewal notice requirements.

BNI Ledger may suspend or limit paid features if subscription payment fails, a subscription becomes past due, or the chapter cancels the paid plan.

Users must use BNI Ledger responsibly and only for authorized chapter operations, payment tracking, and related administrative workflows. The following restrictions apply:

• Do not use BNI Ledger for unlawful, fraudulent, deceptive, abusive, or unauthorized activity.
• Do not submit false payment requests, misleading invoices, unauthorized charges, or inaccurate payer information.
• Do not interfere with the service, probe or attack systems, bypass access controls, or attempt to access data that does not belong to you.
• Do not upload malware or harmful code, scrape the service in abusive ways, or overload infrastructure.
• Do not use BNI Ledger to send spam, harassing messages, discriminatory content, or communications that violate applicable laws.
• Do not copy, resell, sublicense, reverse engineer, or commercially exploit the service except as permitted by these terms or a written agreement.

BNI Ledger may provide dashboards, reports, exports, receipts, and payment history to support chapter administration. These tools are provided for convenience and operational tracking.

Chapters remain responsible for maintaining any records required by chapter policies, accounting practices, tax obligations, audits, or applicable law. Users should review exports and reports for accuracy before relying on them for official purposes.

BNI Ledger may retain records as described in the Privacy Policy and as needed for legal, accounting, payment, dispute, security, backup, and operational purposes.

BNI Ledger’s collection and use of information is described in the Privacy Policy. By using the service, users acknowledge that information may be processed as described there.

BNI Ledger uses reasonable safeguards designed to protect the service, but no online service can be guaranteed to be completely secure. Users are responsible for protecting their login credentials, devices, connected accounts, and payment authorizations.

BNI Ledger may change, improve, suspend, discontinue, or limit features from time to time. The service may be unavailable during maintenance, updates, outages, third-party service disruptions, internet failures, or events outside BNI Ledger’s control.

BNI Ledger may release new features, modify existing workflows, update pricing for future periods, or change integrations as the product evolves. Material pricing or terms changes should be communicated as required by applicable law or contract.

BNI Ledger and its software, design, branding, workflows, documentation, and related materials are owned by BNI Ledger or its licensors. Subject to these terms, users receive a limited, non-exclusive, non-transferable, revocable right to use the service for authorized chapter operations.

Users and chapters retain ownership of information they submit to BNI Ledger, subject to the rights needed for BNI Ledger to host, process, transmit, display, back up, secure, and provide the service.

Feedback, suggestions, or ideas submitted to BNI Ledger may be used without restriction or compensation, unless a separate written agreement says otherwise.

BNI Ledger integrates with third-party services such as Stripe, Clerk, hosting providers, database providers, email delivery providers, and file/media storage providers. Third-party services may have their own terms, privacy policies, security practices, fees, and availability.

BNI Ledger is not responsible for third-party services outside its control. Users are responsible for reviewing and complying with third-party terms that apply to their use of those services.

BNI Ledger is provided on an "as is" and "as available" basis to the maximum extent permitted by law. BNI Ledger does not guarantee that the service will be uninterrupted, error-free, secure, or that all records, reports, calculations, reminders, exports, payment statuses, or speaker rotation information will be complete or accurate in every circumstance.

BNI Ledger does not provide legal, tax, accounting, financial, or chapter governance advice. Chapters and users should consult appropriate professionals for those matters.

To the maximum extent permitted by law, BNI Ledger will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost goodwill, lost data, business interruption, payment delays, chargebacks, disputes, or unauthorized access that is outside BNI Ledger’s reasonable control.

To the maximum extent permitted by law, BNI Ledger’s total liability for claims relating to the service will not exceed the amounts paid to BNI Ledger by the applicable chapter for the service during the three months before the event giving rise to the claim, or one hundred dollars ($100), whichever is greater. Placeholder to verify final liability cap with counsel before launch.

To the maximum extent permitted by law, chapters and users agree to defend, indemnify, and hold harmless BNI Ledger from claims, losses, liabilities, damages, costs, and expenses arising from misuse of the service, inaccurate chapter or invoice information, unauthorized payment requests, violation of these terms, violation of law, disputes with members or payers, or infringement of third-party rights.

Users may stop using BNI Ledger at any time. Chapter administrators may remove users or request chapter account changes subject to any active subscription, payment, recordkeeping, backup, and legal obligations.

BNI Ledger may suspend or terminate access if a user or chapter violates these terms, creates risk, fails to pay applicable fees, misuses payment workflows, violates third-party service requirements, or if continued service would create legal, security, or operational risk.

Sections that by their nature should survive termination will survive, including payment obligations, record retention, privacy, intellectual property, disclaimers, limitations of liability, indemnity, dispute terms, and any accrued rights or obligations.

Placeholder to verify before launch: governing law, venue, arbitration or court process, class action waiver if any, small-claims process, consumer notice requirements, and any mandatory state-specific terms.

Until final legal terms are verified, users should contact BNI Ledger using the contact information below to attempt to resolve any dispute informally before starting a formal claim.

BNI Ledger may update these Terms of Service from time to time. The updated version will be posted on this page with a revised effective date. If changes are material, BNI Ledger may provide additional notice through the application, email, or another appropriate channel.

Continued use of BNI Ledger after updated terms become effective means the user accepts the updated terms.

For questions about these terms, contact BNI Ledger using the verified legal or support contact listed below once available.