Legal
Privacy Policy
Version 2026-11-02 · Written in plain language, transparent and honest.
The short version
Ethical Ledger is designed around privacy and zero interest. You can use the app entirely on your own device without an account. When you choose to create an account, your records sync securely to our cloud database (hosted on PostgreSQL via Neon) so you can access them across your devices. Your data is strictly confidential, encrypted in transit and at rest, and never sold, rented, or shared with advertisers or third parties.
What we collect
- Guest mode (without an account): nothing leaves your device. Your loans, debts, repayments, income, and expenses live in your browser's local storage only.
- Cloud account: your email address, optional display name, and the financial records you record (borrower/creditor names, amounts, dates, categories, and notes).
- Consent records: confirmation that you are 18 or older and have accepted these Terms and Privacy Policy, stored with a timestamp.
- Never collected: BVN, National ID / NIN, bank login details, debit card numbers, device contacts, or credit scores. We never ask for them.
Where your data lives & how it is protected
Local Storage: On-device records stay in your browser or mobile app sandbox until you clear them.
Cloud Storage & Security: If you sign in, your records are synchronized to a managed PostgreSQL database hosted on Neon. All connections use TLS/SSL encryption in transit and AES encryption at rest.
Account Isolation: All database queries are strictly isolated by authenticated user ID and ledger ID. No other user can ever view, query, or modify your financial records.
Confidentiality & Administration: Authorized technical administrators have direct access to database infrastructure strictly for system maintenance, reliability, security patches, and database backups. Your records are never monetized, shared with advertisers, or disclosed except where required by lawful judicial process.
Account Deletion: Signing out preserves your cloud backup so you can sign in again later. Selecting “Delete Account” from Settings permanently and irrevocably wipes all your ledgers, records, repayments, and account data from the cloud database.
Your rights
Under the Nigeria Data Protection Act (NDPA) and global privacy principles, you have full ownership and control over your personal and financial information:
Access
You can view and export all personal and financial data we hold directly from Settings in structured JSON and printable PDF formats.
Correction
You can update or rectify any record, loan, debt, repayment, or category at any time directly in the app.
Erasure
You can clear local data or permanently delete your account from Settings, removing all personal and ledger records from the cloud database.
Portability
You can download full data backups as JSON or transaction history as CSV at any time with no lock-in.
Restriction & objection
You can pause cloud synchronization anytime by signing out or switching to local-only guest mode.
Complaint
You can contact us directly via Feedback & Support, and you have the right to lodge a complaint with the Nigeria Data Protection Commission (NDPC).
You can exercise your access, export, correction, and deletion rights self-serve in Settings. For any custom inquiry or restriction request, reach out through Feedback & Support.
Who this app is for
Ethical Ledger is for adults managing their personal and business finances. You must be 18 or older to use it, and we ask everyone to confirm this before they start. We do not knowingly collect data from children.
Changes to this policy
When this policy is materially updated, we bump the version date above and prompt users once upon next launch to review and confirm the updated terms before proceeding.
Important disclaimer
Ethical Ledger is a personal record-keeping tool, not a bank, lender or payment service. It never holds, moves or charges money, and interest is never calculated or applied anywhere in the app.