Ledger Book – Terms & Conditions and Privacy Policy

Ledger Book (“we”, “our”, “us”), developed by Lufick, provides a financial tracking service (“Service”). By accessing or using the Service, you agree to the collection and use of information in accordance with this Privacy Policy and to comply with these Terms and Conditions.

1. Information Collection and Use

To provide, operate, and improve our Service, we may collect:

  • Personal Information: name, email address, and profile details (if applicable)

  • Financial Data: expenses, income, transactions, budgets, and related records

  • User Content: receipts, images, and documents uploaded by you

  • Device Information: device model, operating system, app version, and IP address

  • Usage Data: feature interactions, crash logs, and diagnostic data

  • Advertising Data: Google Advertising ID (for ads and fraud prevention)

  • Support Data: information provided when contacting us

This information is used solely to provide, maintain, and improve the Service.

2. Permissions

The Service may request access to:

  • Camera (for scanning receipts)

  • Storage / Media (for uploading files)

  • Internet (for syncing data and app functionality)

  • Notifications (for reminders and alerts)

  • Biometric authentication (for secure access)

Biometric data is processed locally on your device and is not collected, stored, or transmitted by us.

3. Use of the Service

Ledger Book is intended solely for tracking and managing expenses, income, and financial transactions.

  • The Service does not provide financial, tax, or investment advice

  • You are responsible for the accuracy and completeness of your data and transactions

  • You agree to use the Service only for lawful purposes and not for fraudulent or harmful activities

4. Workspaces and Shared Data

The Service may allow the creation of shared workspaces with role-based access.

  • Data within a workspace may be accessible to its members

  • You are solely responsible for managing access and permissions

  • We are not responsible for misuse, unauthorized sharing, or disputes between users

5. Data Sharing and Disclosure

We do not sell your personal information.

We may share data:

  • With trusted service providers (cloud, analytics, advertising)

  • When required by law or legal process

  • To detect, prevent, or address fraud and security issues

We may also share anonymized or aggregated data for analytical purposes.

6. Third-Party Services

The Service may use third-party services such as:

  • Firebase (authentication, database, storage, analytics)

  • Advertising and analytics networks

These services operate under their own privacy policies.

7. Data Storage and Security

  • Data may be stored locally on your device and/or on secure cloud infrastructure

  • We implement commercially reasonable safeguards to protect your data

However, no system is completely secure, and you acknowledge that use of the Service is at your own risk.

8. Data Retention

We retain your data only as long as necessary to:

  • Provide and maintain the Service

  • Comply with legal obligations

  • Resolve disputes and enforce agreements

You may request deletion of your data at any time.

9. Payments and Advertisements

  • Certain features may be offered as paid or premium services

  • Payments are processed through third-party platforms and subject to their policies

  • The free version of the Service may display advertisements

10. Terms and Conditions of Use

By using the Service, you agree to the following:

  • The Service is provided for managing expenses, income, and transactions only and should not be relied upon for financial decisions

  • You are responsible for maintaining account security and ensuring data accuracy

  • You must not use the Service for illegal, fraudulent, or harmful activities

  • You are responsible for any data or transactions shared within workspaces

  • Reports, analytics, and calculations are generated based on user input and system logic; we do not guarantee their accuracy or completeness

  • Data may be stored locally or on cloud services; you are responsible for maintaining backups

  • You may upload files (such as receipts or documents) but must ensure they do not violate any laws or third-party rights

  • Certain features may require payment; billing and refunds are governed by app store policies

  • The Service may include advertisements and use third-party providers

  • To the maximum extent permitted by law, we are not liable for any data loss, financial loss, transaction errors, or damages arising from use of the Service

  • We reserve the right to modify, suspend, or discontinue the Service at any time without prior notice

  • Continued use of the Service after updates constitutes acceptance of revised Terms

11. Limitation of Liability

The Service is provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, we shall not be liable for:

  • Data loss or corruption

  • Financial loss or transaction inaccuracies

  • Service interruptions or technical issues

12. Changes to Terms and Policy

We may update these Terms and Privacy Policy from time to time. Continued use of the Service constitutes acceptance of the updated version.

13. Children’s Privacy

The Service is not intended for individuals under the age of 13. We do not knowingly collect personal information from children.

14. Contact Us

If you have any questions or concerns, please contact:

📧 support@ledgerbook.app
🏢 Lufick