Privacy Policy for Ledgify

 Last updated: 21 February 2026

Ledgify (“we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how Ledgify: Money & Debt Tracker collects, uses, and safeguards data when you use our mobile application.

By using Ledgify, you agree to the practices described in this policy.

1. Information We Collect

Ledgify is designed to work offline-first and collect only the data necessary for core functionality.

a) User-Provided Data

We collect information that you voluntarily provide, including:

  • Expense and income records

  • Lend & borrow (debt) entries

  • Categories, notes, and dates related to transactions

This data is stored locally on your device by default.

b) Cloud Sync Data (Optional)

If you enable cloud backup or sync:

  • Your financial records may be securely stored in the cloud

  • Sync is optional and can be disabled at any time

We do not access or analyze your financial data for advertising or profiling.

c) Automatically Collected Data

Ledgify does not collect:

  • Contacts

  • SMS

  • Call logs

  • Location data

  • Banking credentials

Basic technical data (such as app version or crash logs) may be collected by the platform (e.g., Google Play services) to improve app stability.

2. How We Use Your Information

Your data is used strictly to:

  • Record and manage expenses and income

  • Track lend & borrow transactions

  • Generate PDF and CSV reports

  • Restore data through cloud backup (if enabled)

We do not sell, rent, or share your personal data with third parties for advertising purposes.

3. Data Storage & Security

  • All financial data is stored locally on your device by default

  • Cloud-synced data is protected using industry-standard security measures

  • We take reasonable steps to prevent unauthorized access, loss, or misuse

However, no method of electronic storage is 100% secure, and we cannot guarantee absolute security.

4. Offline Usage

Ledgify works fully offline.
An internet connection is required only for optional features such as cloud sync or sharing reports.

5. Data Sharing

We do not share your personal or financial data with:

  • Advertisers

  • Data brokers

  • Analytics companies for profiling

Data may be disclosed only if required by law or legal process.

6. Your Rights & Control

You have full control over your data:

  • Add, edit, or delete records at any time

  • Disable cloud sync

  • Uninstalling the app removes locally stored data

If cloud sync is enabled, deleting your account or disabling sync will stop future data uploads.

7. Children’s Privacy

Ledgify is not intended for children under the age of 13.
We do not knowingly collect personal data from children.

8. Third-Party Services

Ledgify may rely on trusted third-party services (such as cloud storage providers) solely to deliver core functionality. These services are required to handle data responsibly and securely.

9. Changes to This Policy

We may update this Privacy Policy from time to time.
Any changes will be reflected here with an updated “Last updated” date.

10. Contact Us

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

Email: niloy64529@gmail.com
App Name: Ledgify – Money & Debt Tracker

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