Terms and Conditions for Personal Ledger

Effective Date: May 10, 2026
Last Updated: May 17, 2026
Developer: MosTech Zone (Moshahed)

1. Acceptance of Terms

By downloading or using the Personal Ledger app, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the application.

2. Description of Service

Personal Ledger is a tool designed to help users track expenses, income, assets, and liabilities. It provides data visualization, report generation (PDF/CSV), and cloud backup via Google Drive.

3. Financial Disclaimer
- Not a Financial Advisor: The app is a record-keeping tool only. It does not provide financial, investment, or legal advice.
- Accuracy of Data: You are responsible for the accuracy of the data you input. We are not liable for any financial decisions or losses resulting from the use of this app.

4. Data Ownership and Security
- Your Data, Your Responsibility: All financial records are stored locally on your device or in your personal Google Drive account. We do not have access to your financial data.
- Loss of Data: While we provide backup features, we are not responsible for data loss caused by device failure, app uninstallation, or issues with third-party services like Google Drive.
- Security Lock: If you enable the Fingerprint/PIN lock, you are responsible for maintaining the security of your device.

5. Pro Features and Subscriptions
- Payments: Pro features are available via one-time purchases or subscriptions processed through the Google Play Store
- Refunds: Refund requests must be handled through the Google Play Store's standard refund policies.
- Ad-Supported Access: Temporary access to Pro features via rewarded ads is subject to availability from the ad provider (AdMob).

6. Third-Party Services

The app integrates with third-party services:
- Google Drive: Used for cloud backup. Your use is subject to Google’s Terms of Service
AdMob: Used to display advertisements.

7. Prohibited Use

You agree not to attempt to decompile, reverse engineer, or bypass any security features or premium locks within the app.

8. Limitation of Liability

To the maximum extent permitted by law, the developer of Personal Ledger shall not be liable for any indirect, incidental, or consequential damages (including financial loss) arising out of the use or inability to use the app.

9. Changes to Terms

We reserve the right to update these terms at any time. Your continued use of the app after changes are made constitutes acceptance of the new terms.