Privacy Policy for Ledgerly

Effective Date: August 4, 2026
Last Updated: August 4, 2026

Ledgerly ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile/web application Ledgerly (the "App"), which helps users track loans given ("Udhaar Diya"), loans received or repaid ("Udhaar Wapas"), and billing/invoicing activities.

This Privacy Policy applies to users in the United States and, where applicable, complies with relevant U.S. state privacy laws (such as the California Consumer Privacy Act/CPRA) and other applicable regulations.

1. Information We Collect

a. Information You Provide Directly

• Account Information: Name, email address, phone number, password (encrypted).
• Transaction/Ledger Data: Details of amounts lent (Udhaar Diya), amounts received/repaid (Udhaar Wapas), billing entries, invoice details, due dates, and payment status.
• Contact/Party Information: Names, phone numbers, or other identifying details of people or businesses you record transactions with (e.g., customers, borrowers, lenders).
• Business Information (if applicable): Business name, address, GSTIN/Tax ID, or similar business identifiers you choose to enter.
• Support Communications: Information you provide when contacting customer support.

b. Information Collected Automatically

• Device Information: Device type, operating system, unique device identifiers, IP address.
• Usage Data: App interactions, features used, session duration, crash logs, timestamps.
• Location Data (if enabled): Approximate location, only if you grant permission (e.g., for regional billing/currency settings).

c. Information from Third Parties

• Payment processor confirmations (if you use in-app payment/billing features).
• Data from cloud backup or sync services you connect (e.g., Google Drive backup), if applicable.

2. How We Use Your Information

We use the collected information to:

• Create and manage your account.
• Record, calculate, and display your udhaar (lending/borrowing) ledger and billing history.
• Send reminders/notifications about pending udhaar, due payments, or invoices.
• Provide customer support and respond to inquiries.
• Improve app performance, fix bugs, and develop new features.
• Detect and prevent fraud, unauthorized access, or misuse.
• Comply with legal obligations.

We do not sell your personal or financial data to third parties.

3. How We Share Your Information

We may share information only in the following circumstances:

• Service Providers: With third-party vendors who help us operate the App (e.g., cloud hosting providers like AWS/Google Cloud/Firebase, payment gateways, analytics providers), under confidentiality agreements.
• Legal Requirements: If required by law, subpoena, or government request, or to protect our legal rights.
• Business Transfers: In case of a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction, with notice to you.
• With Your Consent: Any other sharing will only occur with your explicit permission.

4. Data Storage and Security

• Your data is stored on secure servers, encrypted both in transit (TLS/SSL) and at rest.
• We implement reasonable administrative, technical, and physical safeguards to protect your data.
• However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your account and transaction data for as long as your account is active or as needed to provide services. You may request deletion of your account and associated data at any time (see Section 7).

6. Children's Privacy

Ledgerly is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected such data, we will delete it promptly.

7. Your Rights and Choices

Depending on your location, you may have the right to:

• Access the personal data we hold about you.
• Correct inaccurate data.
• Request deletion of your data ("right to be forgotten").
• Opt out of promotional communications.
• (California residents) Request disclosure of data collected/sold under CCPA/CPRA — note: we do not sell personal data.

To exercise these rights, contact us at: Zentroxstudioscare@gmail.com

8. Third-Party Services

The App may use third-party SDKs/services for analytics, crash reporting, or payment processing (e.g., Google Analytics, Stripe, Firebase). These providers have their own privacy policies governing their use of your information.

9. Cookies and Tracking (Web Version, if applicable)

If Ledgerly is accessed via a website, we may use cookies or similar tracking technologies to improve user experience. You can control cookie preferences through your browser settings.

10. International Users

Ledgerly is based in the United States. If you access the App from outside the U.S., your information will be transferred to and processed in the U.S., where data protection laws may differ from your country.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with a revised "Last Updated" date. Continued use of the App after changes constitutes acceptance.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact:

Ledgerly Support
Email: Zentroxstudioscare@gmail.com