Terms and Conditions

1. Acceptance of Terms

By downloading, installing, or using the Ledgerly mobile application ("the App"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the App.

2. Service Description

Ledgerly is a financial management application that allows users to:

• Track and monitor personal expenses
• Create and manage budgets
• Analyze spending patterns
• Set financial goals
• Manage multiple accounts

3. Privacy and Data Protection

Your privacy is important to us. Here's how we handle your data:

• All financial data is stored locally on your device
• We do not collect or transmit your financial information to external servers
• No personal or financial data is shared with third parties
• You maintain full control over your data at all times

4. User Responsibilities

As a user of the App, you agree to:

• Provide accurate information when using the App
• Maintain the security of your device and app access
• Not attempt to reverse engineer or modify the App
• Use the App only for its intended purpose
• Regularly backup your data

5. Limitation of Liability

The App is provided "as is" and "as available." We make no warranties, expressed or implied, and hereby disclaim all warranties, including without limitation:

• The accuracy of financial calculations and reports
• The availability of the App at all times
• The suitability of the App for your specific needs

We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the App.

6. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes through the App or via email. Your continued use of the App after such modifications constitutes acceptance of the updated terms.