Privacy Policy

1. Overview

Ledger55 helps users maintain manually entered or imported personal financial records, including account names, balances, transactions, payees, categories, schedules, budgets, and reconciliation information.

Ledger55 is not a bank, financial institution, payment account, credit-reporting service, accounting firm, or professional adviser. It does not automatically connect to financial institutions and does not require bank usernames or passwords.

We seek to collect only information reasonably necessary to provide, secure, support, and improve Ledger55. Financial records can remain sensitive even when they do not contain complete account numbers or banking credentials.

2. Information We Collect

Account information

When you create or maintain a Ledger55 account, we may collect:

• Your name and email address.
• Password authentication data stored in hashed form.
• Account status, access settings, preferences, and subscription information when applicable.
• Communications you send regarding your account or technical support.

Financial records you provide

Ledger55 stores information that you voluntarily enter or submit for import, which may include:

• Financial account names and account types.
• Optional partial account identifiers, such as the last four digits.
• Opening, current, and reconciled balances.
• Payments, deposits, transfers, and schedules.
• Transaction dates, amounts, and status.
• Payees, categories, references, and memos.
• Budgets and reconciliation records.
• CSV files and the transaction records submitted through the import feature.
• Customer backup files and records submitted through restore features.

These records may reveal private financial and personal activity, including income, debts, recurring expenses, employers, merchants, healthcare-related payments, charitable activity, travel, or other spending patterns.

Payment and subscription information

When paid subscriptions are offered, payment information may be collected and processed by a third-party payment processor. Ledger55 may receive limited information such as payment status, subscription status, renewal date, billing contact information, and transaction or customer identifiers.

Ledger55 does not store complete debit-card or credit-card numbers on its own servers.

Technical and security information

Certain technical information may be collected automatically for authentication, security, troubleshooting, and service operation, including:

• IP addresses.
• Browser and device information.
• Login dates and security-attempt records.
• Pages requested and application errors.
• Administrative actions and information used to detect unauthorized access or misuse.

3. Information You Should Not Enter

This restriction applies to account names, payees, categories, references, memos, transaction descriptions, CSV files, backup files, and any other user-provided field. Review imported files before submission and remove columns or text containing information that Ledger55 does not need.

Optional last-four account digits are intended only to help distinguish similar accounts and should not be used to store a complete account number.

4. How We Use Information

Information collected through Ledger55 may be used to:

• Create, authenticate, and maintain accounts.
• Store and display records entered by users.
• Provide imports, exports, backups, and restores.
• Apply customer preferences and account limits.
• Process subscriptions and payments when offered.
• Send service and security communications.
• Respond to questions and provide support.
• Diagnose errors and improve service performance.
• Prevent fraud, abuse, unauthorized access, or security threats.
• Maintain business, billing, security, and audit records.
• Comply with applicable legal obligations.

Personal and financial information is not used to create advertising profiles or deliver targeted advertising.

5. Recordkeeping, Accuracy, and User Responsibility

Ledger55 is a personal recordkeeping tool. It does not guarantee that balances, calculations, imported records, schedules, reports, or reconciliation results are complete, current, or error-free.

Users are responsible for reviewing entries and verifying important balances and transactions against statements and records provided by their financial institutions. Ledger55 should not be treated as the official record of a bank, creditor, employer, tax authority, or other third party.

Ledger55 does not provide banking, accounting, tax, investment, credit, insurance, or legal advice. Users should obtain appropriate professional advice before making decisions that require it.

6. Selling and Disclosure of Personal Information

Information may be processed or disclosed to service providers only as reasonably necessary to host, secure, operate, support, back up, restore, communicate about, or process payments for Ledger55. Information may also be disclosed with your permission or when required or permitted by law as described below.

7. Service Providers

Ledger55 may use third-party providers for essential business and technical functions, including:

• Website, application, and database hosting.
• Content delivery and network security.
• Email delivery and account communications.
• Payment and subscription processing.
• Data backup, recovery, and storage.
• Security monitoring and fraud prevention.
• Technical support and error diagnosis.

Depending on the service performed, a provider may process account information, IP addresses, technical logs, billing information, or customer records. Providers are expected to process information only for the services supplied to Ledger55 and not for their own advertising or unrelated marketing.

8. Cookies and Session Information

Ledger55 uses essential cookies and similar session technology to:

• Keep users signed in.
• Maintain authenticated sessions.
• Remember necessary account preferences.
• Protect forms against unauthorized submissions.

Ledger55 does not use cookies for third-party behavioral advertising. Disabling essential cookies may prevent login and other features from working.

9. Data Security and Security Incidents

We use reasonable administrative, technical, and organizational safeguards intended to reduce the risk of unauthorized access, alteration, disclosure, destruction, or loss.

Safeguards may include HTTPS connections, password hashing, authentication controls, customer-scoped database access, login rate limiting, security logging, restricted administrative access, software updates, and data backups.

No website, server, database, backup, or electronic transmission can be guaranteed to be completely secure. Users are responsible for choosing a unique password, protecting login information, securing their email account, signing out on shared devices, and promptly reporting suspected unauthorized access.

When a security incident occurs, we may investigate, contain, document, and remediate the incident and notify affected users, service providers, insurers, regulators, law enforcement, or other parties when reasonably appropriate or legally required.

10. Backups, Data Loss, and Retention

Information may be retained for as long as reasonably necessary to provide and maintain accounts, preserve records selected by users, process payments, provide support, investigate misuse, resolve disputes, enforce agreements, and meet legal or accounting obligations.

Routine backups may be maintained for disaster recovery. Backups are not a guarantee against every form of data loss, corruption, accidental deletion, software error, hosting failure, or other interruption. Users should periodically export records or download personal backups and keep an independent copy in a secure location.

When information is no longer reasonably necessary, it may be deleted, anonymized, or securely disposed of. Residual copies may remain temporarily in routine backups until those backups are replaced or expire.

11. Your Choices and Account Information

Users may review and update certain information through Ledger55. Available tools may also allow users to export records, create personal backups, change preferences, or request account deletion.

You may contact us to request correction of account information, additional information about processing, a copy of available records, or deletion of your account. Some information may be retained when reasonably necessary for security, fraud prevention, billing, dispute resolution, legal compliance, or enforcement of agreements.

12. Children's Privacy

Ledger55 is not directed to children under 13 years of age, and we do not knowingly collect personal information from children under 13.

If we learn that information was collected from a child under 13 without appropriate authorization, we will take reasonable steps to delete it. A parent or guardian who believes a child has provided personal information may contact us using the information below.

13. Legal and Safety Disclosures

Information may be preserved or disclosed when reasonably necessary to:

• Comply with a valid subpoena, court order, legal process, or applicable legal requirement.
• Investigate fraud, unauthorized access, abuse, security incidents, or violations of agreements.
• Protect the rights, property, safety, and security of Ledger55, its users, service providers, or others.
• Establish, exercise, or defend legal claims.
• Complete a business reorganization, financing, merger, acquisition, or transfer of assets, subject to appropriate confidentiality and legal requirements.

Information will not be voluntarily disclosed to unrelated third parties except as described in this policy, with your permission, or as otherwise required or permitted by law.

14. Changes to This Privacy Policy

This Privacy Policy may be updated when Ledger55's features, service providers, security practices, business operations, or legal obligations change.

The effective date displayed at the top will be updated when material changes are made. Significant changes may also be communicated through Ledger55 or by email when appropriate.

15. Contact Us

Questions, concerns, security reports, or requests regarding this Privacy Policy or your Ledger55 information may be submitted to: