1. Acceptance of Terms

By accessing and using Ledger Lite ("we", "our", or "us"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use our service. Continued use of the service after the posting of changes constitutes your acceptance of the new terms.

2. Description of Service

Ledger Lite is a personal financial management application that helps you track income, expenses, budgets, and provides Easy-powered insights. We offer various subscription plans with different features and usage limits. The service allows you to organize your personal finances, automatically categorize transactions, set budgets, receive reminders, and obtain financial analyses through an Easy assistant.

3. User Accounts

To use our service, you must:

• Provide accurate and complete information when creating an account
• Maintain the security of your account credentials
• Be responsible for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account
• Be at least 18 years of age or have parental consent
• Accept the Terms of Service and Privacy Policy

4. Subscription and Payment

Some features of Ledger Lite require a paid subscription. By subscribing, you agree to pay the applicable fees. Subscriptions automatically renew unless cancelled. You may cancel your subscription at any time through your account settings. All payments are processed securely through third-party payment providers. We do not offer refunds for already used periods, but you may cancel at any time to prevent future charges.

5. User Responsibilities

You agree to:

• Use the service only for lawful purposes and in accordance with all applicable laws
• Not attempt to gain unauthorized access to our systems or other users' data
• Not interfere with or disrupt the service or connected servers
• Not use the service to transmit malicious code, viruses, or malicious software
• Maintain the accuracy of your financial data and update information when necessary
• Not share your account credentials with third parties
• Be responsible for all transactions and activities performed on your account

6. Intellectual Property

All content, features, and functionality of Ledger Lite are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or rent any part of our service, nor may you reverse engineer or attempt to extract the source code of our software. You retain all rights to your own financial data that you enter into the service.

7. Limitation of Liability

Ledger Lite is provided "as is" without warranties of any kind, express or implied. We are not responsible for any financial decisions made based on information provided by our service. You use the service at your own risk. We do not guarantee that the service will always be available, error-free, or meet all your needs. In no event shall we be liable for indirect, incidental, special, or consequential damages resulting from the use or inability to use the service.

8. Termination

We reserve the right to terminate or suspend your account at any time for violation of these Terms of Service, fraudulent activity, or any other reason we deem appropriate. You may also delete your account at any time through the Settings page. After deletion, all your data will be permanently removed from our systems, as described in our Privacy Policy.

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the new terms on this page and updating the "Last updated" date. Continued use of the service after changes constitutes your acceptance of the new terms. If you do not agree to the changes, you must stop using the service and may delete your account.

10. Contact Information

If you have questions about these Terms of Service, please contact us through the support channels available in the application, including WhatsApp and Telegram. Our support team is available to assist you with any questions related to the service.