Privacy Policy

Effective and last updated: October 22, 2026

This Policy explains what information Ledgant collects, why we use it, when it is shared, and the choices available to you.

1. About Ledgant

Ledgant is a personal budgeting application. It helps you plan income and expenses, record spending, use recurring budget templates, review budget history, and manage optional Premium features. In this Policy, “Ledgant,” “we,” and “us” refer to the provider of the Ledgant application and service.

2. Information we collect

Account and authentication information

• Your email address and account creation information.
• Your password in hashed form. We do not store your password in plain text.
• Authentication and password-recovery records, including session or refresh tokens and short-lived recovery-code records.

Budget information you provide

• Budget names, income amounts, expense categories and amounts, spending entries, planned expenses, templates, and budget history.
• This information may reveal details about your finances. You decide what descriptions and amounts to enter.

Settings, device, and technical information

• Currency, time-zone offset, onboarding state, and other application preferences.
• Device identifier, platform, and push token when supplied by the device or application.
• Security and operational data such as request timestamps, error information, IP address, and basic server logs.

Purchase and subscription information

If you purchase Premium, we receive information needed to verify and administer the subscription, such as platform, product or subscription identifier, purchase token or receipt, transaction identifier, subscription status, renewal and expiration dates, price, and currency. We do not receive your complete payment-card details.

3. How we use information

• To create and secure your account, authenticate you, and help recover access.
• To store, calculate, synchronize, and display your budgets and preferences.
• To verify purchases and provide Premium features.
• To operate, troubleshoot, protect, and improve the reliability of the Service.
• To comply with law, enforce our Terms, and prevent fraud or abuse.

We do not sell your personal information. Ledgant does not use your budget data for advertising or to make lending, credit, employment, insurance, or similar eligibility decisions.

4. When information is shared

We disclose information only as needed to operate the Service or when legally required. Relevant providers include:

• Apple App Store and Google Play, for purchases, subscription management, and purchase verification.
• Email delivery providers, to send password-recovery or service messages.
• Hosting, database, and infrastructure providers, which process information on our behalf to run and secure Ledgant.
• Authorities or other parties, when reasonably necessary to comply with law, protect rights and safety, investigate abuse, or complete a corporate transaction subject to appropriate safeguards.

These providers may process information in countries other than yours and apply their own legally required retention practices.

5. Retention and account deletion

We generally retain account, budget, settings, and subscription records while your account is active. Authentication and recovery records expire or are removed when no longer needed. Operational and security logs are retained only for a reasonable period appropriate to their purpose.

You can delete your account from Settings → Delete account. Account deletion removes the account and associated budgets, operations, history, templates, settings, device records, authentication records, and Ledgant subscription records from active systems. Apple or Google may retain their own purchase records under their policies and legal duties. Limited residual copies may remain temporarily in protected backups or where retention is required by law.

6. Security

We use reasonable technical and organizational measures, including encrypted transport, password hashing, access controls, and restricted service credentials. No online service can guarantee absolute security. Keep your password confidential and contact us if you believe your account has been compromised.

7. Your choices and rights

Depending on where you live, you may have rights to access, correct, delete, restrict, or object to processing of personal information, or to receive a portable copy. You may update certain settings in the App, delete your account in the App, or contact us. We may need to verify your identity before completing a request.

8. Children

Ledgant is not directed to children under 13, and we do not knowingly collect personal information from them. If local law requires a higher minimum age to consent to data processing, a parent or guardian must authorize use. Contact us if you believe a child provided personal information without appropriate authorization.

9. Changes to this Policy

We may update this Policy as the Service or legal requirements change. We will post the revised version here and update the date above. Where required, we will provide additional notice or request consent.

10. Contact

For privacy questions or requests, email neir.care@gmail.com.

Terms of Use

Effective and last updated: October 22, 2026

These Terms govern your use of the Ledgant application, website, and related services. By creating an account or using Ledgant, you agree to them.

1. Eligibility and account

You must be legally capable of agreeing to these Terms. If you are a minor under applicable law, you may use Ledgant only with authorization from a parent or legal guardian. You must provide accurate account information, protect your credentials, and promptly tell us about suspected unauthorized access. You are responsible for activity performed through your account.

2. The Service

Ledgant provides tools for personal budgeting, expense planning, spending records, templates, and history. Features may differ by platform, country, subscription tier, or version. We may improve, change, suspend, or discontinue features when reasonably necessary.

3. Free and Premium features

Some features require a paid subscription. Prices, billing periods, trials, and included features are displayed in Apple App Store or Google Play before purchase. Payment is charged by the applicable store. Unless the store states otherwise, subscriptions renew automatically until cancelled through your store account. Deleting Ledgant or your Ledgant account does not itself cancel a store subscription.

Cancellation takes effect according to the store’s rules, generally at the end of the current billing period. Refunds are handled by Apple or Google under their policies and applicable law. We may verify receipts and subscription status with the applicable store.

4. Your content

You retain your rights in the budget names, categories, amounts, and other content you enter. You give us a limited, non-exclusive right to host, process, transmit, and display that content only as necessary to provide, secure, and maintain the Service. You are responsible for your content and must have the right to submit it.

5. Acceptable use

You may not:

• Use Ledgant unlawfully, fraudulently, or to harm another person.
• Attempt to access another account or bypass authentication, subscription, rate-limit, or security controls.
• Probe, attack, overload, interfere with, scrape, or reverse engineer the Service except where applicable law expressly permits it.
• Upload malicious code or use automated means that unreasonably burden the Service.
• Resell or commercially exploit the Service without our written permission.

6. Our intellectual property

Ledgant, its software, visual design, logos, and service content are owned by us or our licensors and are protected by law. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the App for its intended purpose.

7. Availability and third-party services

The Service may occasionally be unavailable because of maintenance, failures, security issues, or events outside our control. Apple, Google, email providers, and other third-party services have their own terms and policies. We are not responsible for third-party services, though consumer law may give you rights that cannot be excluded.

8. Suspension and termination

You may stop using Ledgant or delete your account at any time. We may restrict or terminate access if you materially breach these Terms, create risk or harm, fail to pay applicable fees, or if required by law. Where reasonable, we will provide notice and an opportunity to remedy the issue.

9. Disclaimers and limitation of liability

To the fullest extent permitted by law, the Service is provided “as is” and “as available,” without warranties of uninterrupted availability, fitness for a particular purpose, or error-free calculations. We are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, savings, or opportunities arising from use of the Service.

Nothing in these Terms excludes warranties, remedies, or liability that applicable law does not allow us to exclude or limit.

10. Changes to these Terms

We may update these Terms as the Service or legal requirements change. We will post the revised Terms and update the date above. If a material change requires notice or consent under applicable law, we will provide it. Continued use after an effective update means you accept the revised Terms.

11. Governing law and disputes

These Terms are governed by the laws applicable where the Ledgant provider is established, without overriding mandatory consumer protections in your country of residence. Before starting formal proceedings, please contact us so we can try to resolve the issue informally.

12. Contact

Questions about these Terms may be sent to neir.care@gmail.com.