Privacy Policy

1. Introduction

By using the service, you agree to the practices described in this policy.

2. Information We Collect

2.1 Information You Provide

• Name and email address
• Account credentials through authentication providers
• Loan and repayment data you enter
• Support requests and feedback

2.2 Information Collected Automatically

• Device type and operating system
• App version
• Notification token (for push notifications)
• Diagnostic and usage events for reliability and analytics

2.3 Information From Third Parties

If you sign in with Google or Apple, we may receive basic profile details from those providers as permitted by your account settings.

3. How We Use Information

• Provide and operate app features
• Authenticate users and manage sessions
• Sync schedules, transactions, and shared or mirror records
• Send reminders and notifications
• Improve performance, reliability, and user experience
• Respond to support requests
• Meet legal and compliance obligations

4. Legal Basis for Processing

Depending on your location, we process personal data under one or more of the following bases: contract performance, legitimate interests, consent, and legal obligations.

5. Data Sharing

We do not sell personal data.

We may share data with infrastructure, authentication, messaging, analytics, and legal providers when required.

6. Data Retention

We retain data only as long as needed to provide services, satisfy legal obligations, resolve disputes, and enforce agreements.

If you request account deletion, we will delete or anonymize data unless retention is required by law.

7. Security Measures

• Encrypted transport (HTTPS/TLS)
• Access controls and authentication protections
• Monitoring and incident response practices

No system is 100 percent secure, but we continuously improve controls.

8. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, restrict, object, port data, and withdraw consent where applicable.

To exercise rights, contact privacy@ledgeo.app.

9. Children Privacy

Our services are not directed to children under 13, or higher age where required by local law. We do not knowingly collect personal data from children.

10. International Data Transfers

Data may be processed in regions outside your country. Where required, we use appropriate safeguards for cross-border transfers.

11. Cookies and Similar Technologies

For web properties, we may use cookies or similar technologies for authentication, preferences, and analytics. You may control cookies in browser settings.

12. Third-Party Links and Services

Our services may link to third-party websites or services. Their privacy practices are governed by their own policies.

13. Changes to This Policy

We may update this policy from time to time. Material changes will be communicated via app notice, website update, or email where appropriate.

14. Contact

• Privacy inquiries: privacy@ledgeo.app
• General support: support@ledgeo.app
• Legal notices: legal@ledgeo.app

Disclaimer: This template is operationally detailed but should be reviewed by legal counsel to ensure jurisdiction-specific compliance.