Terms of Service

1. The service

LedgerAI is a personal finance record-keeping and analysis tool. It helps you log income, expenses, investments, EMIs, SIPs, subscriptions, budgets and bank balances, and produces summaries, projections and AI-generated commentary based on the data you enter.

2. Not financial, investment or tax advice

LedgerAI is not a SEBI-registered investment adviser or research analyst, not a tax practitioner, and not a chartered accountant. Nothing in the App — including AI insights, portfolio commentary, benchmark comparisons, XIRR figures and tax estimates — is investment, legal or tax advice, or a recommendation to buy, sell or hold any security.

Tax estimates are indicative only, based on rules as we understand them and the data you enter. Verify every figure with a qualified professional before filing or acting on it. Market prices and NAVs come from third-party sources, may be delayed or wrong, and are provided as-is.

3. Your account

• You must be 18 or older and provide accurate information.
• You are responsible for your credentials and for all activity under your account.
• Do not share your account. Shared family access is available as a read-only feature inside the App.
• Tell us promptly at support@prodigiai.org if you suspect unauthorised access.

4. Free tier and Pro

The free tier includes limited numbers of entries per category. Pro is a one-time payment of ₹499 for lifetime access to the current Pro feature set on a single account. "Lifetime" means for as long as we continue to operate the service; it does not create an obligation to operate the service forever. If we permanently discontinue LedgerAI, we will give at least 30 days' notice and let you export your data.

Prices are shown in Indian Rupees. The seller is not registered under GST. The total amount charged for LedgerAI Pro is ₹499.

5. Fair use of AI features

AI features carry a real per-request cost, so each account has a daily allowance per feature. If you hit it, the feature resumes the next day. We may adjust allowances to keep the service sustainable, and may suspend accounts that attempt to circumvent them.

6. Acceptable use

• Do not attempt to access another user's data or bypass security controls.
• Do not scrape, resell, or redistribute the service or its outputs commercially.
• Do not upload malware or unlawful content.
• Do not use the App for money laundering, tax evasion or any unlawful purpose.

7. Your data

You own the data you enter. You grant us a limited licence to store and process it solely to operate the service as described in the Privacy Policy. You can export it or delete your account at any time from Settings.

8. Availability

We aim for high availability but do not guarantee uninterrupted service. Features may change, and third-party data sources may be unavailable from time to time.

9. Limitation of liability

To the maximum extent permitted by law, our total aggregate liability arising out of or relating to the service is limited to the amount you actually paid us in the 12 months preceding the claim. We are not liable for indirect or consequential losses, including investment losses, lost profits, or tax penalties resulting from reliance on the App's figures.

Nothing here excludes liability that cannot be excluded under Indian law.

10. Termination

You may stop using the service and delete your account at any time. We may suspend or terminate an account that materially breaches these Terms, after notice where practicable. A one-time Pro payment is non-transferable.

11. Governing law

These Terms are governed by the laws of India. Courts at Mumbai, Maharashtra have exclusive jurisdiction, subject to your rights as a consumer under the Consumer Protection Act, 2019.

12. Contact

Varun Chatlani, an individual trading as Prodigi AI, Maker Tower A, Cuffe Parade, Mumbai – 400005, Maharashtra, India — support@prodigiai.org