Privacy Policy

This Privacy Policy explains how Ledger AI, a sole proprietorship operating under the registered name "Ledger AI" ("Ledger AI", "we", "us", or "our"), collects, uses, shares, and protects your information when you use our website, applications, and related services (the "Service"). Ledger AI is the data controller for the personal information described below. By using the Service, you agree to the practices described here.

We collect the following categories of information:

• Account information. Your email address, password (stored hashed), name, and profile preferences.
• Financial content you upload. PDF statements you provide, and the transactions, balances, merchants, and metadata we extract from them.
• Personalization data. Goals, the financial brief you write, custom categorization rules, and similar settings.
• Usage and device data. Log data such as IP address, browser, pages viewed, timestamps, and basic diagnostics.
• Billing data. When you subscribe, payment is processed by Stripe, Inc. ("Stripe"), our payment processor. Stripe receives your name, email, billing address, and card details directly. We receive limited details from Stripe (such as plan, subscription status, billing country, and the last four digits of your card) but not your full card number.

We use your information to:

• Provide, operate, and improve the Service.
• Extract, categorize, and summarize transactions and produce insights, charts, and Copilot responses.
• Personalize results based on your stated goals and brief.
• Authenticate accounts, prevent abuse, and enforce our Terms.
• Process payments and manage subscriptions.
• Communicate with you about your account, security, and product changes.
• Comply with legal obligations.

We do not sell your personal information, and we do not use your financial content for advertising.

Ledger AI uses third-party large language model providers to extract data from statements and to power the Copilot and insights features. When we send content to these providers, we do so under enterprise agreements that prohibit using your content to train their models.

AI outputs (categories, summaries, answers) may be stored alongside your account so that the app remains fast and consistent between sessions. AI outputs can be inaccurate; you are responsible for verifying important figures and for any decisions you make based on them. See our Terms of Service for the full disclaimer.

We share information only with:

• Service providers and sub-processors who help us run the Service — for example hosting, database, authentication, AI model providers, analytics, error monitoring, and email delivery — under contracts that require appropriate confidentiality and security.
• Stripe, Inc. processes all subscription payments on our behalf. Stripe receives your name, email, billing address, and payment method information for the purpose of processing transactions, fraud prevention, and tax compliance. See Stripe's Privacy Policy for details on how Stripe handles your information.
• Legal and safety recipients when required by law, valid legal process, or to protect rights, safety, or the integrity of the Service.
• Business transfers. If Ledger AI is involved in a merger, acquisition, or asset sale, your information may transfer as part of that transaction, subject to this Policy.

We do not sell or rent your personal information to third parties.

We use industry-standard safeguards including encryption in transit (TLS), encryption at rest, scoped database access controls, and authentication best practices. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security. Please use a strong, unique password and notify us immediately if you suspect unauthorized access.

We keep your information for as long as your account is active. Specifically:

• Account and profile data are retained until you delete your account.
• Statements and transactions remain in your account until you delete them or your account.
• Backups and logs may persist for a limited period (typically up to 30 days) after deletion before they are purged.
• Billing records may be retained longer where required by tax, accounting, or other legal obligations.

You can permanently delete individual statements, your full transaction history, or your entire account at any time from Settings.

Depending on where you live, you may have the right to access, correct, export, restrict, or delete your personal information, to object to certain processing, and to withdraw consent. Most of these can be done directly from the app:

• Access and edit your profile from Settings.
• Export or delete your data from Settings.
• Update or remove your financial brief and personalization at any time.
• Cancel your subscription from your billing settings.

To exercise any other right, email support@useledgerai.com. We will respond within the timeframe required by applicable law. You also have the right to lodge a complaint with your local data protection authority.

Ledger AI operates from Canada and uses service providers located in Canada, the United States, and other countries. By using the Service, you understand that your information may be processed in jurisdictions with data protection laws different from those of your country. Where required, we put in place appropriate safeguards for cross-border transfers.

The Service is not directed to children under the age of 16, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take steps to delete it.

We use a small number of cookies and similar technologies that are necessary to keep you signed in, remember preferences, and measure basic product usage. You can control cookies through your browser settings, though disabling them may impact parts of the Service.

We may update this Privacy Policy from time to time. When we make material changes, we will update the effective date above and, where appropriate, notify you in-app or by email. Your continued use of the Service after changes take effect constitutes acceptance of the updated Policy.

Questions or requests about your privacy? Contact us at support@useledgerai.com.