Terms of service

Ledgerly is published by Mad Max Labs, operating from India. Mad Max Labs is the trading name of Syed Zaid, who operates as a sole proprietor. You can reach us at madmaxlabsllc@gmail.com.

Ledgerly is a personal-finance app for Android. Your financial data stays on your device, as described in the privacy policy. The app is provided as-is: we work hard to make it accurate and reliable, but you use it at your own discretion.

Ledgerly’s card suggestions, savings estimates, forecasts, and AI answers are informational tools computed from your own data. They are not financial, investment, or tax advice, and we are not a financial adviser. Verify anything important against your bank’s own records before acting on it.

Ledgerly is intended for adults. You must be at least 18 to use the app or buy the subscription.

The Ledgerly AI subscription (currently ₹99 per month; the price shown on the subscribe page at the time you buy governs) gives you a personal access key that runs Ledgerly’s chat AI features through our hosted service, with no OpenAI account of your own. Receipt and screenshot OCR is not part of the hosted service today; it still requires your own OpenAI key.

Billing is monthly and recurring, processed by Razorpay. Your subscription renews automatically until you cancel. We may change the price with notice; a change never applies retroactively, and an announced early-supporter rate stays locked while your subscription remains active.

The service has fair-use limits (a daily usage allowance per key) so one subscriber cannot exhaust the service for everyone. We may tune these limits to keep the service healthy for all subscribers. Your access key is personal: keep it private, and do not share, resell, or use it outside the Ledgerly app. We may deactivate keys that are abused, leaked, or used in automated volume that no person produces by hand.

When your subscription ends, whether you cancelled or a renewal charge failed after retries, your access key is deactivated. How to cancel, and how refunds work, is described in the refund and cancellation policy, which is part of these terms.

The hosted AI service depends on third-party model providers and cloud infrastructure. Short interruptions can happen, and the underlying model may change as better options become available. If we ever discontinue the subscription entirely, we will stop renewals and refund the unused portion of the current period.

To the extent permitted by law, our total liability for any claim arising out of the app or the subscription is limited to the amount you paid us in the twelve months before the claim. We are not liable for indirect or consequential losses, or for decisions you make based on the app’s informational output. Nothing in these terms limits rights that Indian law does not allow to be limited.

These terms are governed by the laws of India, and any dispute is subject to the jurisdiction of the courts of India.

If we change these terms, we will update the date at the top. For a significant change that affects the subscription, we will also tell subscribers by email before it takes effect.