Agreement to these terms
These Terms & Conditions ("Terms") form an agreement between you and Nitinbhai Viras ("we", "us") governing your use of the Ledgerly browser extension, its synchronisation service, and this website (together, the "Service").
By installing or using the Service you accept these Terms. If you do not accept them, do not install the extension, and uninstall it if you already have.
Our Privacy Policy explains what data we handle and forms part of these Terms.
What Ledgerly is — and is not
Ledgerly is a personal record-keeping tool. You type in your own expenses, income, debts, budgets and recurring rules; it stores them, synchronises them between your devices, and generates reports from them.
Ledgerly is not a financial service. Specifically:
It is not a bank and holds no money. It does not move, hold, transfer or process funds of any kind.
It does not connect to your bank and never asks for banking credentials, card numbers or account numbers. Nothing in it is capable of initiating a payment.
Its reports are not financial, investment, accounting or tax advice. They are arithmetic performed on figures you entered yourself. Do not rely on them for a tax filing, a loan application, or any regulated purpose without independent verification by a qualified professional.
Debt tracking is a personal record of amounts you choose to note down. It creates, alters or discharges no legal obligation between you and anyone else, and a debt marked "settled" in Ledgerly is not evidence that it was.
Eligibility
You must be at least 13 years old to use the Service. If you are under the age of majority where you live, you may only use it with the consent of a parent or guardian. The Service is not directed at children under 13, and we do not knowingly create accounts for them.
If you use Ledgerly on behalf of an organisation, you confirm you are authorised to accept these Terms for it.
Your account
Signing up requires an email address and a password. Passwords are stored only as a salted hash by our authentication provider; we never see yours and cannot recover it — we can only send you a reset link.
You agree to:
- Give an email address you actually control, so password resets can reach you.
- Keep your password confidential and not share your account with others.
- Tell us promptly at nitinbhaiviras@gmail.com if you believe your account has been accessed without your permission.
You are responsible for activity that happens under your account. One account is intended for one person's records.
Acceptable use
You agree not to:
- Use the Service unlawfully, or to record or facilitate unlawful activity.
- Attempt to access another user's account or data, or to circumvent the row-level security controls that separate accounts.
- Probe, scan or load-test the infrastructure, or interfere with its normal operation — including by automating requests at a volume a person could not plausibly generate.
- Reverse-engineer the Service in order to extract credentials or bypass access controls. (Inspecting the extension's own bundled code, which ships to your device, is fine.)
- Resell, sublicense or redistribute the Service, or present it as your own product.
- Upload content that infringes anyone's rights, or that is unlawful to store.
If you find a security vulnerability, please report it to nitinbhaiviras@gmail.com before disclosing it publicly. Good-faith research reported this way is welcome and we will not pursue action over it.
Your data and content
Your records remain yours. You keep all rights in the transactions, notes, categories, budgets and other content you enter.
You grant us only the narrow, non-exclusive licence needed to operate the Service for you: to store your content, transmit it between your devices, back it up, and compute the reports you ask for. That licence exists for no other purpose, ends when you delete the content or your account, and does not permit us to sell, share, publish or mine your records. We do not use your data to assess creditworthiness or for lending decisions, and we do not use it to train machine-learning models.
You can leave with everything. Settings → Your data exports your full ledger as CSV or JSON at any time, without asking us and at no cost. To delete your account and all associated records, email nitinbhaiviras@gmail.com.
You are responsible for what you enter. Do not store other people's personal or financial information in Ledgerly beyond what you need for your own records.
Accuracy, rates and backups
Reports are only as accurate as what you type. Ledgerly reproduces and totals your entries; it cannot detect an amount entered wrongly, an expense logged twice, or one never logged at all.
Exchange rates. Foreign-currency entries are converted using a rate obtained from a third-party public rates source on the day you make the entry, and that converted figure is then stored permanently so historical totals stay stable. Those rates are indicative reference rates. They are not the rate your bank or card issuer gave you, and they may lag or be unavailable. When no rate is available, Ledgerly saves the entry at 1:1 and flags it in the interface rather than refusing the entry — a flagged entry needs your attention before you rely on any total containing it. We do not warrant the accuracy of any rate.
Automation is best-effort. Recurring transactions and budget notifications are generated by scheduled jobs inside your browser. Browsers suspend extensions when idle and do not run them at all while closed, so timing is approximate. Ledgerly is designed to catch up on missed occurrences the next time it runs, but you should not treat a recurring rule as a reminder you can depend on for a payment deadline.
Keep your own backups. Export your data periodically. It takes one click, costs nothing, and is the only thing that makes your records independent of this Service, of your Supabase project, and of your browser profile.
Availability, changes and support
The Service is provided free of charge. There is no paid tier and no fee, and accordingly there is no service-level commitment and no guaranteed uptime.
We may add, change, or remove features; alter how synchronisation works; or discontinue the Service entirely. If we decide to shut the sync service down, we will give reasonable advance notice by email to the address on your account so you can export your data first.
The extension works offline by design: entries you make without a connection are saved on your device and uploaded later. Sync therefore continues to depend on the availability of our hosting provider, on the Chrome Web Store for updates, and on your own browser and connection — none of which we control.
Support is best-effort by email at nitinbhaiviras@gmail.com. We aim to reply, but do not promise a response time.
Third-party services
The Service depends on providers we do not operate:
| Provider | What it does |
|---|---|
| Supabase | Hosts the database and handles authentication |
| Google Chrome Web Store | Distributes and updates the extension |
| Public exchange-rate source | Supplies daily currency rates, requested server-side with no user data attached |
Your use of those providers' own products is governed by their terms, not ours. We are not responsible for their acts, omissions, outages or changes, and an interruption originating with them is not a breach of these Terms by us.
Intellectual property
The Ledgerly name, logo, interface design and software are owned by Nitinbhai Viras and protected by intellectual property law. Installing the extension grants you a personal, revocable, non-transferable licence to use it for its intended purpose. It transfers no ownership.
You may not remove or obscure proprietary notices, or use our name or logo to suggest endorsement of something we have not endorsed.
Ledgerly is not affiliated with, sponsored by, or endorsed by Google, Supabase, or any bank or financial institution. Their trademarks belong to them and are used here only to identify the services involved.
Disclaimer of warranties
The Service is provided "as is" and "as available", without warranty of any kind, whether express, implied or statutory, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
We do not warrant that the Service will be uninterrupted, timely, secure or error-free; that any defect will be corrected; that stored data will never be lost or corrupted; or that any figure, total, projection or exchange rate it displays is accurate or fit for any particular purpose.
Some jurisdictions do not allow the exclusion of certain warranties. Where that is the case, the exclusions above apply only to the extent permitted, and nothing in these Terms limits any non-excludable statutory or consumer right you have.
Limitation of liability
To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, punitive or exemplary damages, nor for any loss of profits, revenue, savings, goodwill, business opportunity, or data — however caused and on any theory of liability, whether or not we were advised of the possibility.
This includes, without limitation, any loss arising from a financial decision made in reliance on a report, total, budget state or exchange rate shown by the Service; from a missed payment where a recurring rule or notification did not run when expected; or from the loss, corruption or unavailability of records you did not export.
Because the Service is provided free of charge, our total aggregate liability arising out of or relating to the Service is limited to the greater of the total amount you have paid us for it (which is zero) or USD 50.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded or limited. If a limitation above is unenforceable where you live, it applies to the fullest extent that is enforceable there.
Suspension and termination
By you. Stop using the Service at any time by uninstalling the extension. Signing out erases the local copy of your ledger from that device. To have your account and server-side records deleted, email nitinbhaiviras@gmail.com.
By us. We may suspend or terminate your access if you materially breach these Terms — in particular section 5 (Acceptable use) — or if we are legally required to. Where circumstances allow, we will give you notice and a chance to export your data first.
Sections 6 (Your data and content), 10 (Intellectual property), 11 (Disclaimer of warranties), 12 (Limitation of liability) and 14 (Governing law) survive termination.
Governing law
These Terms are governed by the laws of India, without regard to its conflict-of-laws rules. The courts at Surat, Gujarat, India have non-exclusive jurisdiction over any dispute.
If you are a consumer, this does not deprive you of the protection of the mandatory law of your country of residence, or of any right to bring proceedings in your local courts.
Before starting formal proceedings, please email us — most issues are a misunderstanding and are quicker to resolve directly.
Changes to these terms
We may update these Terms as the Service changes. When we do, we will revise the "last updated" date above and, for material changes, note them in the extension's release notes. Continuing to use the Service after a change takes effect means you accept the revised Terms; if you do not, stop using the Service and export your data.
These Terms, together with the Privacy Policy, are the whole agreement between us about the Service. If any provision is found unenforceable, the rest stays in force. Our not enforcing a provision on one occasion does not waive it.
Contact
Nitinbhai Viras — individual developer, no registered company.
nitinbhaiviras@gmail.com
Email is the contact channel for all notices under these Terms, including account deletion requests and security reports.