Legal
Terms of Use
Version 2026-11-02 ยท Short, honest and in plain English.
What Ethical Ledger is
A personal and small business record-keeping tool. You write down money you earned, spent, lent or borrowed, and the app keeps the arithmetic straight. It is a notebook with good manners - zero interest, ever.
What it is not
Ethical Ledger is not a bank, lender, payment service, debt collector, investment adviser or credit bureau. It never holds, moves, receives or sends money, never runs a credit check, and never charges interest or late fees.
Who may use it
You must be 18 or older to use Ethical Ledger, and you confirm this when you start. One person, one account - keep your password to yourself.
Your records are yours
Everything you write is your own statement of your financial matters. You are responsible for its accuracy, and for any agreement you make with the people you lend to or borrow from. The app records your intentions; it is not itself an agreement.
Fair use
Do not use Ethical Ledger to harass anyone, to disguise an illegal loan or interest scheme, or to break any law. Interest-free is the foundational invariant - keep it that way.
Availability & Cloud Sync
The app works offline and stores records locally on your device. Cloud accounts are powered by a secure cloud database (PostgreSQL on Neon) with multi-ledger account isolation. While administrators maintain the infrastructure with strict confidentiality, you are encouraged to periodically download backups from Settings. We are not liable for losses resulting from user record errors.
Ending your use
You can stop using the app and delete your data at any time - locally from Settings, or permanently deleting your account and all associated cloud records from our servers.
The legal bit
These terms are governed by the laws of the Federal Republic of Nigeria, including the Nigeria Data Protection Act (NDPA). If any part is unenforceable, the remaining provisions remain in full force.