Terms of Use
Last updated November 14, 2026
The short version: Ledger helps you keep track of your own spending. Use it for yourself, keep your password safe, and keep a backup of anything important. Ledger is a tracking tool, not financial advice.
Using Ledger
By creating an account or using Ledger, you agree to these terms. If you don't agree, please don't use Ledger.
Your account
- Give accurate information when you sign up, and keep your email address up to date.
- Keep your password private. You're responsible for activity on your account. We recommend turning on two-step verification.
- Accounts are for one person. Usernames must not impersonate others or be offensive; we may change or remove usernames that break this rule.
Acceptable use
Don't misuse Ledger: no attempts to break into accounts or systems, disrupt the service, send spam through our sign-up or email features, or use Ledger for anything unlawful.
Your data
- Your expenses belong to you. They are saved on your device, so clearing your browser's data or losing your device can erase them. Use Settings → Backup to keep a copy.
- How we handle account information is described in our Privacy Policy.
Not financial advice
Ledger shows you your own records. It doesn't give financial, tax or investment advice, and totals are only as accurate as what's entered.
Early access
Ledger is in early access. Features may change, and the service may occasionally be unavailable. Ledger is free during early access; if we ever introduce paid plans, we'll tell you before anything changes for you.
Ending your account
You can delete your account at any time in Settings → Account. We may suspend accounts that break these terms or put other people or the service at risk.
Disclaimer and liability
Ledger is provided "as is", without warranties of any kind. To the extent the law allows, we're not liable for indirect or consequential losses, or for lost data, arising from your use of Ledger.
Changes to these terms
We may update these terms. We'll change the date above, and for significant changes we'll let you know in the app or by email. Continuing to use Ledger after a change means you accept the updated terms.