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Terms of Service

The legal agreement between you and Practical Sense Labs governing your use of Bunker Ledger.

Last updated: May 9, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you") and Practical Sense Labs, a French-registered sole proprietorship ("Company", "we", "us"), governing your access to and use of the Bunker Ledger desktop application and any related services (collectively, the "Service").

By downloading, installing, or using Bunker Ledger, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not install or use the software.

You represent that you are at least 18 years of age, or the age of legal majority in your jurisdiction, whichever is greater. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Service

Bunker Ledger is a desktop wealth-tracking application designed for individual investors. The Service includes the following core capabilities:

  • Portfolio management: Track holdings across multiple asset classes including stocks, ETFs, mutual funds, crypto, gold, real estate, fixed deposits, bonds, retirement accounts, insurance, and other assets across 15 global exchanges in 12 countries.
  • Local data storage: All financial data, portfolio information, and user preferences are stored exclusively on your local device in a SQLite database. No financial data is transmitted to, processed by, or stored on any server operated by Practical Sense Labs.
  • SensAI — AI Financial Advisor: An integrated conversational AI assistant powered by Anthropic's Claude API. SensAI provides portfolio analysis, stock research, and general financial commentary through natural-language interaction. When SensAI is used, your queries and relevant portfolio context are sent to Anthropic's API for processing. This requires you to provide your own Anthropic API key (see Section 8).
  • Market data: Real-time and delayed market prices retrieved via third-party data providers (see Section 10).

3. License Grant

Subject to your compliance with these Terms and payment of all applicable fees, Practical Sense Labs grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use one copy of Bunker Ledger on a single device that you own or control.

This license is machine-bound. Each license key is cryptographically linked to the hardware fingerprint of the device on which it is first activated. You may not transfer, share, or use the license on any device other than the one to which it is bound.

This license does not grant you any ownership interest in the software. All rights not expressly granted herein are reserved by Practical Sense Labs.

4. Free Trial

Bunker Ledger includes a complimentary 14-day trial period that begins automatically upon first installation. During the trial period:

  • You have access to all features of the application without restriction.
  • No credit card or payment information is required.
  • No account registration is required.
  • The application will display the number of remaining trial days.

At the end of the 14-day trial, the application will cease to function until a valid license key is activated. Your locally stored data will be preserved and will remain accessible once you subscribe and activate a license.

Each device is entitled to one free trial. Reinstalling the application on the same device does not reset the trial period.

5. Subscriptions and Payment

Bunker Ledger is offered as a subscription service with the following plans:

  • Monthly plan: $15.00 USD per month, billed monthly.
  • Annual plan: $150.00 USD per year, billed annually (equivalent to $12.50/month).

All payments are processed securely through Stripe. Practical Sense Labs does not collect, store, or have access to your payment card details at any time.

Subscriptions auto-renew at the end of each billing cycle unless cancelled before the renewal date. You may cancel your subscription at any time through the Stripe customer portal or by contacting us at support@practicalsense.dev. Cancellation takes effect at the end of the current billing period; you will retain access to the Service until that date.

Prices are stated in US Dollars. Applicable taxes (VAT, GST, or other local taxes) may be added to the stated price depending on your jurisdiction and will be displayed before you confirm payment.

We reserve the right to change subscription pricing with at least 30 days' prior notice. Any price change will apply only to billing periods that begin after the effective date of the change.

6. License Keys

Upon successful payment, you will receive a license key. License keys have the following characteristics:

  • RSA-signed: Each key is a cryptographically signed token that is verified locally by the application. This ensures that keys cannot be forged or tampered with.
  • Machine-bound: The key is bound to the hardware fingerprint of the device on which activation occurs. A key activated on one device cannot be used on a different device.
  • One device per license: Each subscription entitles you to use Bunker Ledger on exactly one device. If you need to use the software on additional devices, you must purchase additional subscriptions.
  • Non-transferable: You may not share, sell, give away, publish, or otherwise transfer your license key to any other person or entity.

If you replace your device or make significant hardware changes, contact support@practicalsense.dev to request a license transfer. We will assist you on a reasonable basis, subject to verification of your identity and subscription status.

7. Intellectual Property

Bunker Ledger, including but not limited to its source code, object code, user interface designs, graphics, documentation, logos, and trade names, is the exclusive property of Practical Sense Labs and is protected by French and international copyright, trademark, and intellectual property laws.

You agree not to:

  • Copy, reproduce, or distribute the software or any part thereof.
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the software.
  • Modify, adapt, translate, or create derivative works based on the software.
  • Remove, alter, or obscure any proprietary notices, labels, or marks on the software.
  • Use the Practical Sense Labs or Bunker Ledger name, logo, or branding for any purpose without prior written consent.

8. User Responsibilities

As a user of Bunker Ledger, you agree to:

  • Provide your own API key for AI features: The SensAI advisor requires an Anthropic API key that you must obtain directly from Anthropic. You are solely responsible for any charges incurred through your use of the Anthropic API, and you must comply with Anthropic's own terms of service and usage policies.
  • Safeguard your API key: Your Anthropic API key is stored locally on your device using encrypted storage. You are responsible for the security of your device and any credentials stored on it.
  • Not circumvent licensing: You shall not attempt to bypass, disable, or interfere with the license verification system, the trial period mechanism, or any other security or access-control measures built into the software.
  • Use the software lawfully: You shall use Bunker Ledger only for lawful purposes and in compliance with all applicable local, national, and international laws and regulations.
  • Maintain backups: Because all data is stored locally on your device, you are solely responsible for maintaining adequate backups of your portfolio data.

9. Data and Privacy

Your privacy is fundamental to the design of Bunker Ledger. Please review our Privacy Policy for full details on how we handle your information.

Key principles:

  • Local storage only: All portfolio data, transaction history, account information, and user preferences are stored exclusively in a local SQLite database on your device. Practical Sense Labs has no access to this data.
  • No cloud synchronization: Bunker Ledger does not upload, sync, or back up your financial data to any cloud service or remote server.
  • No telemetry or tracking: The application does not collect usage analytics, behavioral data, or any form of telemetry.
  • Minimal server-side data: The only information Practical Sense Labs stores on its servers is your email address and license activation status, which are necessary for subscription management and license verification.

10. Third-Party Services

Bunker Ledger integrates with the following third-party services. Your use of these services is subject to their respective terms and privacy policies:

  • Stripe (stripe.com) — Payment processing for subscriptions. Stripe collects and processes your payment information directly. Practical Sense Labs does not have access to your full card details. Stripe's terms are available at stripe.com/legal.
  • Anthropic Claude API (anthropic.com) — Powers the SensAI financial advisor. When you use SensAI, your queries and relevant context are sent to Anthropic's servers for processing. You must provide your own API key and are subject to Anthropic's usage policies.
  • yfinance / Yahoo Finance — Provides market data including stock prices, exchange rates, and financial instrument information. This data is retrieved directly by the application on your device. Yahoo's terms of service apply to this data.

Practical Sense Labs is not responsible for the availability, accuracy, or performance of any third-party service. Changes to third-party APIs, pricing, or terms may affect the functionality of certain features in Bunker Ledger.

11. Disclaimers

Bunker Ledger is not a financial advisory service. The software, including the SensAI feature, is provided as a tool for personal portfolio tracking and general informational purposes only. Nothing in the application constitutes financial advice, investment advice, tax advice, or a recommendation to buy, sell, or hold any security or financial instrument.

You should consult a qualified financial advisor before making any investment decisions. Practical Sense Labs, its owner, and its affiliates are not licensed financial advisors, brokers, or dealers.

Market data may be delayed or inaccurate. Pricing data displayed in Bunker Ledger is sourced from third-party providers and may be delayed by 15 minutes or more depending on the exchange and data source. We do not guarantee the accuracy, completeness, timeliness, or reliability of any market data displayed in the application.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. To the fullest extent permitted by applicable law, Practical Sense Labs disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade.

We do not warrant that the software will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that defects will be corrected.

12. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Practical Sense Labs, its owner, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

  • Loss of profits, revenue, data, or business opportunities.
  • Financial losses resulting from investment decisions made using the software or SensAI.
  • Losses arising from inaccurate, delayed, or incomplete market data.
  • Damages resulting from unauthorized access to or alteration of your local data.
  • Damages resulting from any third-party service interruption or failure.

In any event, the total cumulative liability of Practical Sense Labs for all claims arising out of or related to these Terms or the Service shall not exceed the total amount you have paid to us in the twelve (12) months immediately preceding the event giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the limitations above shall apply to the fullest extent permitted by law.

13. Termination

Termination by you: You may stop using Bunker Ledger and cancel your subscription at any time. Cancellation can be performed through the Stripe customer portal or by contacting support@practicalsense.dev. Upon cancellation, your license will remain active until the end of the current billing period. After that, the application will revert to an inactive state, but your locally stored data will not be deleted.

Termination by us: We reserve the right to suspend or terminate your license immediately if you breach any provision of these Terms, including but not limited to:

  • Circumventing or attempting to circumvent the licensing or security mechanisms.
  • Sharing, distributing, or selling your license key.
  • Reverse engineering, decompiling, or modifying the software.
  • Using the software for any unlawful purpose.

Upon termination for breach, your license key will be revoked and you will lose access to the Service. No refund will be provided for the remaining portion of any prepaid subscription period in cases of termination for breach.

Effect of termination: Sections 7 (Intellectual Property), 11 (Disclaimers), 12 (Limitation of Liability), 14 (Governing Law), and 17 (Contact) shall survive any termination of these Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the French Republic, without regard to its conflict-of-law provisions.

Any dispute arising out of or in connection with these Terms that cannot be resolved amicably shall be submitted to the exclusive jurisdiction of the competent courts of [City], France, subject to any mandatory consumer-protection rules that may grant you the right to bring proceedings in the courts of your place of residence.

15. Consumer Rights (European Union)

If you are a consumer residing in the European Union, you benefit from mandatory consumer protection provisions under EU law. Nothing in these Terms shall be construed to limit or exclude any rights you may have under applicable EU consumer protection legislation, including Directive 2011/83/EU on consumer rights.

Right of withdrawal: Under EU law, you have the right to withdraw from a purchase of digital content within 14 days of the transaction without giving any reason. However, by proceeding with the purchase and expressly consenting to the immediate delivery of digital content (the license key and access to Bunker Ledger), you acknowledge and agree that you waive your 14-day right of withdrawal once the license key has been delivered and activated.

If you have not yet activated your license key, you may exercise your right of withdrawal by contacting us at support@practicalsense.dev within 14 days of purchase. We will issue a full refund using the same payment method you used for the original transaction.

EU dispute resolution: The European Commission provides an Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr. You may use this platform to resolve disputes related to online purchases. Our email address for the purposes of the ODR platform is support@practicalsense.dev.

16. Changes to Terms

Practical Sense Labs reserves the right to modify or update these Terms at any time. When we make material changes, we will:

  • Update the "Last updated" date at the top of this page.
  • Notify active subscribers by email at least 30 days before the changes take effect.
  • Display a notice within the Bunker Ledger application upon the next launch.

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree with the revised Terms, you must stop using the software and cancel your subscription before the changes take effect.

17. Contact

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us using the information below:

We aim to respond to all inquiries within two (2) business days.